vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: MD

Complaint narrative:
Re : Case ID : XXXX I am filing a complaint against Citi for failing to conduct a reasonable investigation under the Fair Credit Billing Act. Citi denied my dispute for a {$250.00} 'cleaning fee ' from XXXX XXXX XXXX XXXX simply because the merchant provided a signed contract. Citi completely ignored the physical evidence I provided showing the merchant 's 'damage report ' was dated 5 days AFTER I returned the car, and the odometer had increased by 5 miles. A signed contract does not give a merchant a blank check to charge me for damage discovered a week after the vehicle left my custody. Furthermore, the merchant 's photos show only light, vacuumable sand ( normal wear-and-tear for a Florida beach rental ) , yet they deceptively included 4 different photos of the exact same small cargo area to inflate the appearance of damage. Citi 's dispute team refused to look at the dates, mileage, or deceptive photos, blindly sided with the merchant, and a supervisor refused to escalate my appeal, blaming XXXX rules. I want this decision reversed and my account credited. Note on Attached Documents : 1 ) XXXX Damage Capture Report : Proves the inspection was done 5 days after return, the car was driven an additional 5 miles while in XXXXXXXX XXXX custody, and shows the redundant photos padding the claim. 2 ) XXXX XXXX Agreement ( Receipt ) : Proves XXXXXXXX XXXX system recorded an erroneous starting mileage of 200 and claims a total driven distance of 3,219 miles. 3 ) XXXX Credit Card Statement & XXXX Receipt : I am attaching these to irrefutably prove my family 's location. These documents show we stayed locally in XXXX, FL for the entire duration of the trip. This proves it is physically impossible for us to have driven the 3,219 miles that XXXX erroneous paperwork implies ( over 500 miles a day ). This proves XXXX 's documentation of the vehicle 's condition is entirely falsified and unreliable.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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 2026-05-26 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I am filing this complaint regarding a fraudulent credit/debit card transaction in the amount of {$180.00} that my financial institution ( Chase Bank ) has refused to reverse, despite clear evidence that I could not have been physically present where the transaction allegedly occurred. On XX/XX/year>, while traveling in XXXX, XXXX, I used my card legitimately for lunch at approximately XXXX XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Shortly afterward, an allegedly in-person transaction in the amount of {$180.00} was processed through a merchant identified as XXXX in XXXX, XXXX. I have never been to XXXX, XXXX. XXXX is approximately two hours away from XXXX ( roughly four hours round trip depending on transportation ). It would have been impossible for me to physically travel there, complete a transaction, and return to XXXX within the timeframe reflected by my activity that same day. Additional evidence supporting my location in XXXX includes my visit to XXXX XXXX later that afternoon. I was at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX at approximately XXXX XXXX on XX/XX/year>. This timeline demonstrates that I remained in XXXX and could not have conducted an in-person transaction in XXXX. Despite this, my credit card provider denied my fraud claim and informed me that the transaction was considered valid because it was processed as an in-person charge. I dispute that conclusion. The fact that a transaction was processed as card present does not prove that I authorized it. The circumstances strongly indicate that my card information was compromised or fraudulently used without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS ACCOUNT IS NOT MINE AND HAS BEEN INCORRECTLY PLACED ON MY CREDIT REPORT. I HAVE NEVER INITIATED, HELD, OR PERMITTED THIS ACCOUNT AND HAVE NO INVOLVEMENT WITH IT WHATSOEVER. ITS INCLUSION ON MY REPORT IS ERRONEOUS, DECEPTIVE, AND DOES NOT ACCURATELY REPRESENT MY CREDIT PROFILE. I AM FORMALLY CHALLENGING THIS ENTRY AND REQUEST A COMPREHENSIVE REVIEW AND PROPER AUTHENTICATION. IF YOU ARE UNABLE TO PROVIDE VALID AND COMPLETE EVIDENCE CONNECTING THIS ACCOUNT TO ME, IT MUST BE DELETED FROM MY CREDIT REPORT WITHOUT DELAY.

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 2026-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
XXXX XXXX M & T Bank XXXX Department XXXX XXXX Failure to Release XXXX After XXXX XXXX XXXX : XXXX The XXXX XXXX, XXXX, VA XXXX XXXX : M & T Bank XXXX Department XXXX XXXX XXXX XXXX XXXX Failure to Fulfill Contractual Obligations Complaint Summary I am filing this complaint due to M & T Banks failure to XXXX XXXX and XXXX the XXXX on my Home Equity Line of Credit ( HELOC ) after it was fully paid off. This procedural failure has caused financial harm, unnecessary delays, and forced expenses that I should not be responsible for.Full Complaint Details I am filing this complaint due to a significant procedural failure by M & T Bank regarding the HELOC associated with my property at XXXX The XXXX XXXX, XXXX, VA XXXX. After the HELOC was fully paid off, M & T Bank was responsible for closing the account and filing the appropriate legal documentation to release the XXXX, such as a Certificate and Affidavit of Satisfaction. M & T Bank did not complete this required step. Because the XXXX was never released, the HELOC remained accessible despite being paid in full. This situation was created entirely by M & T Banks failure to follow standard procedures for closing a paidoff loan. To correct this error, I was informed that I must pay for an appraisal in order for M & T Bank to release the XXXX. I have already submitted payment and am currently waiting for an XXXX to be assigned. However, this cost should not be my responsibility. I am being required to pay to fix a clerical and procedural mistake made by the bank. I have repeatedly requested updates from M & T Bank, but communication has been poor and the issue remains unresolved. This matter is timesensitive due to upcoming deadlines related to the property. Desired Resolution I am requesting the following : Full reimbursement for the appraisal cost ( {$460.00} ) I was required to pay due to M & T Banks error

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 2026-05-26 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: LDF Holdings, LLC
State: LA

Complaint narrative:
The settlement amount was too high. I borrowed {$1300.00} and the settlement amount is {$1900.00} after XXXX months. I have already repaid {$4200.00} towards this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of a XXXX scam involving a false investment opportunity. I was told that I would receive profits from beverage pallet sales and that my money would be returned with earnings. The person used misleading information and false promises to convince me to send money through XXXX. After the payments were sent, the individual delayed repayment and later provided excuses and false emergency stories instead of returning the money. I later discovered that the same photos and excuses had reportedly been used with other people as well. I contacted Wells Fargo and reported the transactions as fraud/scam. I requested an investigation and reimbursement for the fraudulent XXXX transfers. However, my claim was denied even though I explained that I was deceived into sending the money under false pretenses. Wells Fargo denied my claim without properly reviewing the evidence I have available. I was not contacted or interviewed by the bank to verify the screenshots, messages, and proof related to this scam before the claim was denied. I am requesting that this case be reviewed again as a scam/fraud situation and that Wells Fargo provide a more complete investigation regarding the recipient account and the handling of these fraudulent transactions. Transantions : XXXX To XXXX XXXX ( XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Other Outgoing Transfers XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX ON XXXX REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other Outgoing Transfers XXXX XXXX XXXX XXXX XXXX TO XXXX ON XXXX REF XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other Outgoing Transfers XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX ON XXXX REF XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other Outgoing Transfers XXXX XXXX XXXX XXXX XXXX TO XXXX XXXX ON XX/XX/XXXX REF # XXXX Total amount involved : {$3700.00}. Service used : 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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Caine Weiner regarding an inaccurate collection account that continues to report on my credit reports despite having been paid in full in XX/XX/year>. The account is still reporting with a balance due and remains listed as an active collection, which is false, misleading, and causing significant harm to my credit standing. This inaccurate reporting is negatively impacting my credit scores and directly interfering with my ability to qualify for a mortgage and complete my home purchase. A paid collection that continues to reflect an outstanding balance is materially misleading and does not accurately reflect the true status of the account. Under the Fair Credit Reporting Act, furnishers of information to consumer reporting agencies are required to report information accurately and correct or delete inaccurate information. Continuing to report a balance after payment has been made is a violation of the obligation to provide complete and accurate reporting. I paid this account in full in XX/XX/year>, yet the account still appears on my reports with a balance due. This is unacceptable and has caused ongoing financial harm by suppressing my credit scores during an active mortgage approval process. I am demanding the following actions immediately : Remove this collection account completely from all consumer credit reporting agencies. Update all reporting to reflect a XXXX balance and paid status while deletion is being processed. Conduct a full investigation into why inaccurate balance reporting continued after payment was received. Provide written confirmation that the account has been deleted from all credit bureaus. Due to the urgency of my pending home purchase, I request expedited handling of this complaint and immediate correction of the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX of this year, I tried to purchase an XXXX using my BofA credit card. The charge was {$1100.00}. XXXX sent that phone to the wrong address. I had to get a new phone before I could retrieve the one sent to the wrong address, so I sent the original back for a refund. ( I have an attached a copy of the credit memo for {$1100.00}. ). I also returned my XXXX for a credit of {$250.00} ( that credit memo is also attached ). Bank of America correctly credited the {$250.00}, but then incorrectly credited the second amount as, again, {$250.00} instead of {$1100.00}. After a long call with a helpful representative, an inquiry was opened. I sent BofA the credit memo for the larger amount. But instead of crediting the full amount and deducting just the {$250.00} they had mistakenly credited twice, they deducted both payments for {$250.00} and gave me just {$600.00}. Which means that instead of {$1300.00} in credits I have just over {$600.00} -- and BofA left me no way to communicate the problem. I called on a Friday -- the department closes at XXXX XXXX XXXX. So I called today, to the number the customer service rep gave me for disputes. That routed me right back into the general queue. After 20 minutes, I reached a person -- who transferred me to disputes, where I was left on hold for 50 minutes. I then met a person who spent the next half hour trying to prove that BofA had refunded the {$600.00} and ignoring what I was saying, despite my showing him the two credit memos from XXXX. He then said he understood me -- that XXXX had made a mistake! ( They did not ; BofA did. XXXX sent the appropriate amounts for both transactions. I spent another hour with XXXX getting copies of those credit memos. ) I am now again on hold, hoping for some resolution. But I am furious that BofA closed this dispute, having made an approximately {$770.00} error in their favor, and left me no way to correct it other than this painful process ( which I am still uncertain will get clarified ). It would have been easy if I could have uploaded hte second credit memo and explained the error online.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I just want CFPB to be aware of predatory credit card practices by Bank of America. Previously it was simple to add B of A credit cards to my B of A bill pay web page. B of A changed their web site design, deleted all my B of A credit cards from the bill pay web page and you now have to go to each credit card account individually and click through multiple menus to pay your bill. I didn't notice they had deleted them from bill pay and did not pay them on time and was charged there very high interest rates. They also stopped sending the e-mail notifications to pay the bill. None of this is illegal, but it constitutes a predatory practice in that they have made changes specifically designed to maximize the probability that a consumer will pay late ( or not at all ) so that the bank can earn extra late fees. I simply paid the fees and require no intervention by CFPB, but would like you to let our elected officials know what B of A is up to. Thanks.

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX provided by certified Vendor XXXX who is contracted with XXXX ; has allowed various hackers to access my account and impeded my banking XXXX and amongst other areas. This has also been reported to XXXX and FBI with reel time footage. XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On my XX/XX/year> I received a tracking number for my check to be returned to me and was told 2-3 business days. It is now the XXXX Ive yet to receive my check and every time I call no one can give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I completed a purchase on a Best Buy rewards XXXX issued by Citi bank. The purchase was made under an activated promotional offer of XXXX % back on entertainment purchases. This transaction was approved and posted to my credit card account on XX/XX/XXXX. While the purchase posted, no rewards were paid out, either at the standard rate or the promotional rate. Curiously enough, in my rewards history, there is a line item for XX/XX/XXXX but it is all blanks. I then waited further as the offer listed a XXXX week timeline on the offer. However, we are since past that and there still have been no credits. Even more curious, I then completed a XXXX purchase with the same merchant on XX/XX/XXXX and the rewards did pay out at the promotional rate. The offer period is XX/XX/XXXX through XX/XX/XXXX and the merchant code matches the offer requirement. We can further prove that it matches requirements based on the payout of the XX/XX/XXXX transaction. I first contacted Citi via the online portal on on XX/XX/XXXX. They referred me to the Best Buy rewards desk, whom I called on XX/XX/XXXX. They said they can not see the transaction details and referred me back to Citi whom I called on XX/XX/XXXX. That representative in turn sent me back to Best Buy who in turn sent me back to Citi who in turn sent me back to Best Buy. We ended the XXXX just being bounced around between the XXXX parties with no clear path forward to resolution. At this point, they refuse to work together to research and rectify this issue and instead keep passing the buck to each other. I have provided screenshots of the rewards history, the offer details, and both the XXXX and XXXX transactions.

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 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I recieved a alert from XXXX that a debt collection was opened against me by Source Receivable Management, LLC in XXXX, NC. This was my first time even knowing a debt collection agency was going after me. I called the agency that same day and verified I was the right person. Source Receivable Management, LLC violated Regulation F of the Fair Debt Collections Act by not notifying me before reporting to the Credit Bureau 's. Yes, they never contacted me through mail, email, phone or text, which I can prove. I never received any form of validation and if done so, I could prove this information was incorrect as I have 30 days to dispute. Through Debt Parking in violation of both Massachusetts and Federal Law, this agency caused me damage by lowering my score XXXX points. My credit report shows 100 % on time payments which I can gladly share. On XXXX XXXX of XXXX, I verbally notified XXXX that I was closing my account after they would not honor my monthly paid insurance on my phone and replace my phone due to enternal XXXX failure . They tried numerous times to fix it and could not. I informed them I could not wait any longer and was switching to XXXX. When they asked for the {$200.00} left owed on a phone, I asked for my last 1 year and a half of insurance payments returned since they violated our contract agreement where I could pay {$99.00} and sales tax for a refurbished phone. XXXX refused to reimburse me for my unused and un-honored insurance. On XXXX XXXX XXXX I paid XXXX their last XXXX XXXX monthly payment after I canceled XXXX XXXX XXXX. Today under a mutual recorded phone call which I initially voiced that I was recording. Source Receivables Management, said I owed {$200.00} unpaid for a phone and {$560.00} for my last month 's bill which I paid and was always {$240.00}, which I can provide bank statements for. I am now filing a complaint with the XXXX, XXXX and will respond by Cert. Mail. This must immediately be removed from my credit report. This company has a long history verified through XXXX complaints for no notice and violations. This company has numerous public records of court proceedings for the same. I am asking the Massachusetts Attorney General to review and cancel their right to practice in Massachusetts.

Company response to consumer: Closed with explanation