vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for an XXXXXX/XX/XXXXXX/XX/XXXXcredit card issued by Citibank on XX/XX/year>2026 at approximately XXXXXX/XX/XXXX using a targeted in-flight promotional link provided directly by a flight attendant. The offer presented at the time of application was : XXXXXX/XX/XXXX miles after {$1000.00} in qualifying spend. This was not a public offer, but a targeted promotion accessed through a specific application link. Despite applying through that link, my account is currently reflecting a different, lower promotional offer that is for the general public. It appears that the promotional cXX/XX/XXXXe ( XXXX ) did not properly attach to my application during submission. This is not something I had visibility into or control over during the application process. I have fulfilled ( or am in the process of fulfilling ) the required spending threshold in good faith based on the terms presented at the time of application. I have reached out multiple times via cell to both companies and to the email they have provided but have received no response or been pushed to other departments.

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 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Im in the process of selling my home as I can no longer afford it. I have been out of work. Shellpoint denied my request for assistance because they don my consider unemployment as income. I requested a postponement of the auction date of XXXX so HUD can review. Shellpoint said they dont have the records and it was against the law in VA to postpone or cancel the auction even though they need to provide the documentation. Also, I requested a detailed breakdown of the fees and never got it. I XXXX requested the amount that was transferred was told that the information wasnt available. Each representative will tell you something different. The fees are more than the principal owed.

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 2026-04-09 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: IN

Complaint narrative:
I am filing a complaint against Capital One regarding their refusal to process a dispute involving a fraudulent transaction. On XX/XX/year>, I was charged {$990.00} by a merchant identified as XXXX XXXX XXXXXXXX. This transaction was later determined to be part of a fraudulent scheme involving a fake prop firm management service. The merchant represented that they would manage trading accounts and issue payouts after certain performance targets were met. These types of programs typically require 6090 days before a payout is expected. In my case, the expected completion window was between late XXXX and late XX/XX/year>. It was only after this periodwhen no payout was issued and the platform became unresponsivethat I discovered the fraudulent nature of the transaction. Additionally, the merchant has since become completely unreachable and removed all communication channels. I submitted a dispute with Capital One and provided extensive documentation demonstrating : * The service was misrepresented and could not be fulfilled * The merchants own materials confirm that no real trading accounts or funds existed * Multiple independent reports ( including Better Business Bureau XXXX XXXX ) identify this as a scam operation * The merchant is no longer reachable, preventing resolution Despite this, Capital One declined to process my claim, stating that the dispute fell outside of the 60-day billing dispute window. This reasoning is inappropriate for a fraud claim. The fraudulent nature of this transaction was not reasonably discoverable within 60 days because the service itself was structured to delay payout beyond that period. Applying a strict 60-day billing error rule to a case of delayed fraud discovery effectively denies consumer protection in situations where fraud is intentionally concealed over time. I believe Capital Ones handling of this matter is inconsistent with consumer protection principles and unfairly shifts the burden of a sophisticated scam onto the consumer. I have attached supporting documentation, including evidence of the fraudulent scheme, timeline of events, and prior correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I tried XX/XX/XXXX to sign up with XX/XX/XXXX. The first time, I could not add my debit or bank. Then the account was frozen for some reason. I contacted XX/XX/XXXX they unfroze the account without ID, but I still could not add and card or bank, the app simply said there was a problem/error. So I decided to close my account and try signing up again. Still no change, I could not add a bank or debit. I tried to close my account for good this time but for some reason my account was frozen again. XX/XX/XXXX refuses to close my unused account unless I upload a government ID. I do not wish to provide ID and am requesting manual closure. They refuse despite my ability to verify ownership via phone/email. I have never used XX/XX/XXXX to send or receive money so the account is clean and empty. The ticket number for my request withXX/XX/XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am reporting unauthorized electronic fund transfers ( debit card transactions ) on my XXXX account that I did not authorize. On or about XX/XX/year>, I received fraud alert text messages from SoFi asking whether I authorized certain transactions. I responded NO promptly. SoFis system replied that it was unable to process my response and instructed me to call. I immediately called SoFi, as instructed, to report the fraud. While I was actively attempting to report and stop the unauthorized activity, additional unauthorized transactions occurred. I formally disputed these transactions and requested escalation and written review under Regulation E/ the Electronic Fund Transfer Act. However : - SoFi has indicated or implied that I failed to respond to fraud alerts, which is incorrect. - I have not received a clear written determination of my dispute. - I have not received confirmation regarding provisional credit. - I have not received a meaningful status update despite follow-up. - I have not been provided with the records or documentation relied upon in evaluating my claim. It has now been approximately XXXX days since my escalation and the issue remains unresolved. I have evidence supporting my claim, including : - fraud alert messages, - my NO responses, - SoFis system error message, - call timing records, - and records of the unauthorized transactions. I believe SoFi has failed to properly handle this dispute and may not be complying with Regulation E error resolution requirements. I am requesting : 1. Immediate reimbursement or provisional credit for the unauthorized transactions, 2. A written determination explaining the outcome of the investigation, 3. The documentation relied upon in evaluating my claim, 4. Confirmation that my timely response to fraud alerts is properly reflected in the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Definitely the account its been closed and still showing late payments on my credit report now Im unable to get approval

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates LLC ( XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) is reporting a {$1300.00} collection on my credit report ( opened XX/XX/XXXX ). XXXX has not provided debt validation. I am an Illinois consumer filing this complaint under the FDCPA and FCRA. PRA is a repeat CFPB offender fined {$24.00} XXXX in XXXX for violations of the XXXX CFPB XXXX XXXX including collecting on unsubstantiated debt without documentation. Under the XXXX court order PRA is prohibited from collecting debts unless it has access to specific documentation proving the debt is valid. I am requesting : ( 1 ) the original creditor name and account number ; ( 2 ) original signed account agreement bearing my signature; ( 3 ) complete account history showing how {$1300.00} was calculated ; ( 4 ) date of first delinquency on the original account ; ( 5 ) complete chain of ownership from original creditor to PRA including purchase price ; ( 6 ) confirmation this debt is within the Illinois statute of limitations. If PRA can not produce this documentation per the XXXX CFPB consent order requirements, I demand immediate deletion from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/year>, I paid the remaining interest on loan XXXX in full, which put it in a negative balance of - {$1.00}. I also paid in full loan XXXX, which now has a negative balance of - {$0.00}. It's been almost 8 months, and neither loan has been marked as " paid in full, '' nor did I receive a refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
someone committed fraud to my BOA checking account. BOA decided to close my account and advice the other 2 banks i had to drop me as well. when i contacted them they dismissed me without any proof or evidence of the fraudulent activities. They simply closed my account after years in business.

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 2026-04-09 00:00:00
Product: Credit card — Store credit 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:
I purchased a XX/XX/XXXXXXXX TV from Best Buy on XX/XX/scrub> 2026. The box contained a completely different TV ( a XXXX XXXX ) when opened. I disputed the charge of {$270.00} under the Fair Credit Billing Act as merchandise not as described. Citibank denied my dispute, incorrectly classifying it as a manufacturer warranty issue. It is not a warranty claim. I received a different brand of product entirely. I have photographic evidence. I have sent a formal written rebuttal via certified mail but am filing this complaint as the denial was improper under the 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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I signed up for a free trial with XXXX XXXX funded by XX/XX/XXXX and cancelled the service within the trial period. Despite cancelling properly, the company charged me and allowed a debt to be reported to my credit report. I never received the service beyond the trial and do not owe this debt. I attempted to resolve this directly with the company, spending over XX/XX/XXXXcommunicating with their customer service, without resolution. This has negatively impacted my credit due to an invalid charge. I am requesting : - Immediate removal of this account from my credit report - Refund of any improper charges- Written confirmation that the account will not be reported again I have attached documentation proving cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
I opened my checking account with First Interstate Bank on XX/XX/year>. There was a {$300.00} promtion for the Checking account by transferring {$500.00} three times from an external account into First Interstate Account within the first XXXX days and keeping the account open for an additional XXXX days, for a total of XXXX days. The bank did not pay out my {$300.00}, claiming that I did not meet their requirements. I was given the go around numerous times, from the personal banker I have worked with to the branch XXXX after they have contacted corporate. I am submitting a complaint to hopefully get paid out the {$300.00} that the bank owes me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX {$2000.00} Spend Bonus Not Credited Despite Meeting Terms I hold a Capital One Spark 2 % XXXX XXXX business charge card. Per the published card terms at the time of my application, the offer states : " Earn an additional {$2000.00} cash bonus for every {$500000.00} spent in the first year. '' I have exceeded {$500000.00} in spend within my first year. However, Capital One has not credited the {$2000.00} spend bonus to my account. When I called customer service at ( XXXX ) XXXX, I was told I must wait until my account anniversary date plus two billing cycles before the bonus would be applied. This condition is nowhere in the published terms not on the card 's product page, not in the Rewards Terms, and not in any disclosure I received at account opening. The terms state the spending must occur " during the first year '' this defines the qualifying window for spend, not a waiting period for payment. The welcome bonus ( {$2000.00} for $ XXXX in 3 months ) was credited promptly after meeting the threshold, confirming that bonuses are paid upon reaching the spend requirement. I am requesting : Immediate credit of the {$2000.00} spend bonus to my account Written explanation of where in the original card terms it states a XXXX + XXXX billing cycle waiting period If no such language exists, confirmation that this policy is being applied outside of the disclosed terms I believe Capital One is not honoring its advertised offer as presented at the time of application. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
This involves XX/XX/XXXXand their refusal to accept a payoff of the balance because they doubled it with 45 % interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
I am filing a formal complaint against IQ Data International , Inc. regarding a collection account being reported on my credit file. I have made multiple requests for validation of this alleged debt ; however, the company has failed to provide the required documentation. Specifically, I requested : - A copy of the signed lease agreement - A complete itemized statement of the balance - A detailed breakdown explaining how the amount was calculated - Documentation showing the application of my security deposit - Proof of the date the unit was re-rented To date, none of this documentation has been provided. Despite this, IQ Data International , Inc. continues to report this account to the credit bureaus as verified and accurate. This is concerning, as the debt has not been properly validated. Additionally, the amount being reported is inconsistent with prior communications from the original creditor, which further raises concerns about the accuracy of the balance. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the company is reporting a debt without providing proper validation upon request. I respectfully request : - A full investigation into this matter - That IQ Data International , Inc. provide proper validation of the debt - Correction or deletion of any inaccurate or unverified information from my credit reports Until proper documentation is provided, I dispute this account in its entirety. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Real Time Group, Inc.
State: MO

Complaint narrative:
My husband and I purchased an XXXX house, in XXXX... We needed a second mortgage, and obtained XXXX... The second mortgage company, closed -- -as did several others ... Over the past XXXX years, we have responded, but get no clear answers... My husband became very ill, and we declared ( XXXX ) medical bankruptcies, and repaid our debts... The second mortgage made no claim, but this was many years, ago... Then, we never heard, from them.... again... The house is at the end, of an IRS lien... I have worked, hard to settle all accounts... My husband is XXXX XXXX XXXX, with a very delicate XXXX... XX/XX/XXXX : we received a notification of foreclosure : XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Representing : Real Time Solutions ( a debt collector ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX They are instructed, to foreclose on our property, starting on XX/XX/XXXX... I contacted the law firm, and asked them for the point of contact number, of this debt collector, which purchased our old mortgage debt.. The representative demanded immediate payment... The second mortgage history is so tangled, been purchased so many times, and exchanged hands so many times, we rejected the debt, said the amount was incorrect, and wanted validation... In addition, there is still an IRS lien... Real Time Solutions, in conjunction with the ( one-star rated ) XXXX & XXXX, XXXX seem out to steal our home, by putting an impossible time-frame, on my elderly husband, and I... We have been responsible, with our bankruptcies, and have honored all proper claims... The second mortgage never laid any claim, by any of the owners... My husband served XXXX years, in the United States XXXX, dispatched overseas, through XXXX XXXX XXXX XXXX... He can not beat, this sort of stress.... If possible, please advise.... Thank you, very much

Company response to consumer: Closed with explanation