vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
b'Subject: Formal Complaint Unauthorized Credit Card Charges and Improper Dispute Handling\n\nTo: Consumer Financial Protection Bureau (CFPB)\n\nDear Consumer Financial Protection Bureau,\n\nI am submitting a formal complaint regarding the handling of disputed credit card charges by Citibank (credit card issuer) on my account.\n\nI am disputing charges totaling approximately XXXX and XXXX from XXXX XXXX XXXX These charges were not authorized by me, and I did not agree to be financially responsible for them.\n\nUnder the Fair Credit Billing Act (15 U.S.C. 1666), a cardholder is not liable for unauthorized use of a credit card, defined as use without actual, implied, or apparent authority. I did not provide authorization for these charges, and I did not receive the benefit of the services billed.\n\nDespite this, Citibank has indicated that the charges may be considered valid based on the assertion that I had knowledge of the transactions because the individual involved is a family member. I was informed that this relationship and awareness alone may be treated as authorization. I do not agree with this determination, as knowledge of a person does not constitute legal authorization under the Fair Credit Billing Act.\n\nAdditionally, I have requested documentation showing my authorization of the charges or any agreement making me financially responsible. No such documentation has been provided.\n\nI am requesting CFPB assistance in reviewing whether the creditor properly:\n\nInvestigated my dispute under the Fair Credit Billing Act\nApplied the correct legal standard for unauthorized use\nImproperly treated knowledge of the user as authorization\nFailed to require proof of actual authorization before holding me liable\n\nI am seeking correction of the account, removal of the disputed charges, and a full review of Citibanks handling of my dispute.\n\nThank you for your time and assistance.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I am a joint account holder on this account with my son, XXXX XXXX. Much of the communication with SoFi was handled by him, who is also an authorized user. To the extent this affected how the claim was evaluated or communicated, I want to clarify that I am formally asserting this dispute as a primary account holder and expect it to be reviewed accordingly. On XX/XX/year>, his XXXX account was accessed by an unauthorized third party, as confirmed by an official security alert showing a login from an unfamiliar location and device. He did not authorize this access. Shortly after this unauthorized login, two charges of {$99.00} each were made on XX/XX/year> using his debit card that was saved on the account. These transactions were processed within approximately 15 seconds of each other, which is not consistent with his normal usage. At the time of these transactions, we, as a family, were physically in XXXX, Alabama, with documented purchases confirming our location. He was not in the location associated with the unauthorized login and did not make these purchases. After reviewing his account activity, I found that the purchased XXXX were immediately spent in obscure, inactive games associated with unknown accounts. This is consistent with known account takeover fraud, where stolen funds are rapidly converted and transferred. We reported the transactions promptly and provided supporting documentation, including the unauthorized login alert, transaction receipts, and proof of my location. SoFi initially issued a provisional credit but later reversed it and denied our claim. The denial relied on an XXXX match and general statements about prior activity, without addressing the unauthorized access or the evidence we submitted. We believe these are unauthorized electronic fund transfers resulting from account compromise, and that SoFi did not conduct a reasonable investigation as required under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I received an email telling me my account has been closed, it can't be changed. Then I tried to call them and their automated system flagged my phone number saying my account is closed and hung up every time. I had to download an app to call them and get to customer service who also hung up on me several times telling me they can't and don't have e to tell me why they closed the account. They are shady and rude and refuse to give me any reasons for the closure. Current bank is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I disputed a {$1000.00} charge to XXXX ( transaction date XX/XX/2026 ) for an accommodation in XXXX, XXXX ( XXXX XXXX XXXX XXXX that was illegal under XXXXXXXX XXXX Safety Law XXXX. The host admitted in writing on XXXX 's platform that mandatory CO alarms were broken and that the gas stove vented illegally into wooden cabinetry. I submitted a signed rebuttal letter, photographs of exposed electrical wiring, written host admissions of safety violations, an official Italian government complaint processed by XXXX XXXX XXXX XXXX XXXX under Case # XXXX, and a XXXX customer service email contradicting the merchant 's claim that service was delivered in good condition. XXXX itself logged a formal complaint against the host and issued a XXXX XXXXXXXX credit. Capital One denied my dispute twice using identical automated letters stating my submission lacked information without specifying what was missing. On XX/XX/2026 I called Capital One and an agent confirmed the initial review was XXXXgenerated, not human. The agent identified a missing booking confirmation receipt as the only missing item and agreed to reopen the case. Hours later I received the identical automated denial letter again, word for word, before any human reviewed my resubmission. Capital One has failed to conduct a proper human investigation of documented merchant fraud. I am requesting Capital One reopen this dispute and conduct a genuine human review of the evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I applied for mortgage assistance and received a letter stating that additional documents were needed but did the say what documents that they were requesting. The is a vague statement that borrower need to answer prequalified notes but a list a notes to answer was not provided. Carrington Mortgage is knowingly and intentionally working against the borrowers to wrongfully foreclose on their home. And not provide mortgage assistance. Again Carrington Mortgage intentionally omitted the list of documents and/or notes that the borrowers need to provide and/or answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
I am submitting this complaint about the debt collection practices of Transworld Systems Inc. ( TSI ), assuming the narrative I have received from the number below is accurate. I first received a call from TSI on XXXX ( XXXX ) XXXX number on XX/XX/year> @ XXXX. Prior to this call I never received official correspondence through letter indicating that my bill had been staged to a debt collection phase. The agent failed to identify themselves and immediately started asking questions about my personal identity because of this. I told them that I don't answer questions like this over the phone from someone I do not know because of the state of fraud in the world right now. In fact, I was a victim of fraud a couple of years ago, and it was stressful to have to deal with that entire process. Today, XX/XX/year>, my mother called me saying that someone had called her asking about my whereabouts, I don't understand how they even got her number, I'm XXXX XXXX XXXX and I'm not a XXXX, in fact, I'm not even sure how that is legal. My mother received that call today @ XXXX, I want to emphasize this caused XXXX to her because she was wondering if something had happened to me. I never left my mothers number at the hospital, to my knowledge this wouldn't be on their record, so I'm assuming they must have gotten this data from somewhere else. Today, I called this, ( XXXX ) XXXX number again, I requested that the agent stop calling me, stop calling my family members, and that I would like to receive mail correspondence from now on for any issues. The agent told me that this was not possible. This is why I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hollis Cobb Associates
State: MS

Complaint narrative:
I am filing a complaint regarding an improper medical debt collection. I received a bill for {$2000.00} related to XXXX services from my XXXX at a XXXX in XX/XX/year>. At the time of service, I had active coverage through XXXX XXXX XXXX XXXX XXXX. This provider failed to submit the claim to XXXX within the required timely filing deadline. I have since contacted XXXX, and they confirmed that it is now too late for the provider to bill XXXX and that, as a XXXX patient, I should not be held financially responsible for this charge. Despite this, the account was sent to collections and is currently being pursued by Hollis Cobb Associates. I did not sign any waiver or agreement accepting financial responsibility for services that should have been covered by XXXX. Under XXXX rules, providers are prohibited from billing patients when they fail to submit claims within the required timeframe. I have disputed this debt and informed the collection agency of my XXXX coverage and the providers failure to bill appropriately. However, collection efforts are continuing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' SYNCB/XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am filing another formal complaint against American Express National Bank ( Amex ) for the unlawful withholding of my personal property and the resulting extreme financial hardship. It has been a little over a month of me trying to recover my property, despite exhaustive efforts to resolve this through executive channels and the provision of all requested documentation, Amex continues to restrict access to my capital without legal justification. Chronology of Dispute XX/XX/year> : A clerical error occurred during an initial transfer from my external XXXX account. I immediately attempted to cancel the transaction and submitted the correct amount, acting in good faith to rectify the mistake. Initial Response : Amex responded by restricting and subsequently closing my account. Documentation & Compliance : I have been fully compliant with all requests for verification, including providing external bank statements to confirm the source of funds and my identity. Contradictory Correspondence : On XX/XX/XXXX, XXXX I had already verified my identity and the legitimacy of the transferAmex issued a letter stating the account was closed due to a suspicion that it was opened without my authorization. This claim is factually incorrect and ignores the verified documentation already on file. Failure of Executive Resolution I have made exhaustive efforts to resolve this matter through the Office of the Chief Corporate Affairs Officer, XXXX XXXX. Despite XXXX separate points of contact, no substantive progress has been made : Contact Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Status : I have completed the formal Claim Notice as requested. However, Amex continues to claim there is " no administrative way '' to release the funds except through the external banka statement that contradicts standard banking regulations regarding the disbursement of remaining balances upon account closure. Formal Demand Amexs refusal to release my capital constitutes an unreasonable seizure of assets. The banks internal administrative confusion regarding the " authorization '' of the account should not result in the indefinite withholding of my verified personal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This is a follow-up to complaint # XXXX. The company responded previously but has not responded to multiple attempts via phone or email. I am attempting to resolve this matter and request written confirmation of a pay-for-delete agreement in exchange for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On or about XX/XX/XXXX, Navy Federal Credit Union froze my bank account without prior notice, preventing me from accessing my funds. When I contacted the bank, I was told the restriction was due to suspected fraud involving someone with the same name as me who either has an account or attempted to open one. I explained that I am not involved in any fraudulent activity and that a name match alone should not be enough to restrict my account. I requested more specific information, including what personal identifiers ( such as my Social Security number, date of birth, or address ) were used to justify this action, but I was not given a clear explanation. As a result of this freeze, I have been unable to access my money to pay essential living expenses, including rent, utilities, and other bills. This has caused significant financial hardship. On XXXX and XX/XX/XXXX I contacted Navy Federal to resolve the issue and requested that they verify my identity and remove the restriction. I also asked for written documentation explaining the reason for the freeze and what steps are required to restore access to my account. As of today, the issue has not been resolved. I believe my account has been wrongfully restricted due to an error or misidentification, and I am requesting immediate action to correct this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as MIDLAND CRED - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that MIDLAND CRED has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX of 2026 a user using a XXXX, while i used a XXXX, had longed into my cashapp account and proceeded to remove my pin, my phone number, my email, and my back up email of which the fraudulent user proceeded to use the money in my savings account which was XXXX $ plus a additional XXXX dollars using Cashapp 's loan system. i immediately brought this to cashapp 's support the same day and tried to have them freeze and or remove the user from my account which they failed miserably to do. after which i was told by a support team member that my situation will be turned into a case and sent to the investigation team and that after 10 business days had passed someone from the team would reach out to me. after ten days NO ONE had so i called them again on the XXXX XXXX only to be told the same thing, called again on the XXXX only to be told the same thing, again on XX/XX/XXXX, and then again on XX/XX/XXXX where i requested to speak with a " supervisor '' which Cashapp told me that one would reach out to me via my email and when they had a hour after the phone call they proceeded to write to me same thing where i had to wait to here from the investigation team but the supervisor i wrote to, named XXXX, was able to help me gain access back to my account which showed me the full transaction history of the user that had control of my account, with them having spent my money at a place or business called XXXX before proceeding to take out another loan using my account for XXXX $ which i had called about today ( XX/XX/XXXX ). Everything i had mention i have brought up to cash app support but to be told to still wait after a month, coming up on XXXX, is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC
State: MS

Complaint narrative:
I am writing to formally report that I am a victim of a fraud scheme involving Zelle transactions and to request an immediate investigation into this matter. On XX/XX/XXXX, I received an email appearing to be from XXXX XXXX regarding a Zelle transaction that was allegedly processed into my account and needed to be returned. The communication included contact information for an individual I was instructed to reach out to. After attempting to verify this with XXXX XXXX and not receiving clear guidance, I contacted the number provided, believing it to be legitimate. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Regarding my previous complain Consumer Financial Protection Bureau / Case No. XXXX and XXXX Hello, My last complain was closed, and I was provided an contact of XXXX XXXX in the decision letter with phone number XXXX extension XXXX but she is not reachable on the number provided. I have already provided the documents that were asked for, and providing you once again. Attachment has - XXXX. What the merchant XXXX promised to deliver, and signed from them. XXXX. Payment receipt of {$1900.00} on their portal dated same as Bofa. XXXX. Message of following up with them, and they not responding. XXXX. Bank of America last decision letter. These documents were also provided to Bank of America before but were not reviewed properly and closed. I have provided XXXX pages of document proof before too. Again, this is more than 1 year long project, and had to be payed in parts. I made pre-payment for the service I was supposed to receive later which I did not. Please look into it and I look forward to hearing back from you shortly. Regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation