vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint XXXX : Citibank , N.A . To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau regarding Citibanks handling of a fraud report and subsequent restriction of my accounts. On XX/XX/year>, I reported suspected fraudulent activity. Citibank acknowledged the complaint and indicated that a response would be provided within fifteen ( 15 ) calendar days. This timeframe was not met. Instead, on XX/XX/XXXX, XXXXeleven ( 11 ) days laterCitibank froze both my checking and savings accounts without any prior notification. This resulted in my debit card being declined at a restaurant, leaving me temporarily without access to funds. I attempted to resolve the issue by calling Citibanks fraud department twice ( XXXXXXXX XXXX. and XXXXXXXX XXXX. PT ), spending a total of 101 minutes without obtaining assistance. I was promised a callback that never occurred. On XX/XX/year>, I was forced to visit a branch in person. The XXXX XXXX, XXXX XXXX, had to wait over an hour to reach Citibanks fraud department, confirming systemic internal failures. Key concerns : Failure to respond within stated 15-day timeframe Freezing of accounts without prior notification Denial of access to funds Inability to access fraud support Failure to follow through on promised callback I believe these actions may violate obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. I request a formal investigation and appropriate corrective action. Sincerely, 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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLIANT CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year>, I was charged approximately {$1800.00} at a merchant in XXXX XXXX, XXXX. I disputed the transaction with Alliant Credit Union, stating that the amount charged was not authorized as presented and that I did not receive services consistent with the amount billed. I left the establishment shortly after arrival and immediately raised the issue with staff. As part of my dispute, I informed Alliant that I do not recognize the signature on the receipt as my own and did not authorize additional amounts, including gratuity. I also provided witness evidence confirming that I disputed the charge at the time and that no services were received that would justify the amount charged. Alliant denied the dispute, stating that the transaction was authorized and that services were completed. However, Alliant did not address the witness evidence, did not verify whether the signature matched my actual signature, and did not provide any independent verification that services were rendered ( such as video footage or itemized service records ). Alliants determination appears to rely solely on documentation provided by the merchant without independently evaluating conflicting evidence. I requested reconsideration and additional documentation, but the response did not clarify what investigation steps were taken beyond accepting the merchants representation. Given these facts, I am concerned that Alliant did not conduct a reasonable investigation into this dispute as required under Regulation E. I am requesting review of Alliants handling of this matter and whether it complied with its obligations to properly investigate disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
XXXXXX/XX/XXXX received {$1200.00}, To date have paid {$1500.00}. This loan is causing financial hardship. XX/XX/XXXX yrs old, am on the verge of losing my car. I live on a fixed income, was not aware of loans coming from Utah, as all correspondence had been coming from XXXX. Last week sent something from Utah. I made them aware on line that this was causing financial hardship. Was told by them, they couldnt respond through email only via phone. Then was told that to payoff loan would cost {$900.00}, while interest, penalties, etc would be accruing. Also, was given chance to refinance only, to find out that the interest rate was still in the ( XXXX ) digits. I refused to sign the loan agreement because of the interest rates not changing, and then shortly received a loan denial letter. But, to date, am still receiving new loan with {$500.00} to add to my bank account, if I would just sign the bank agreement. This is entrapment, deceitful and misleading with a non Utah address.

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 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This company, Oportun, appears to be engaging in deceptive practices. They seem to be taking advantage of customers through hidden fees and unfair charges. Instead of my loan balance decreasing, it has continued to increase since the beginning of the loan. Payments have been automatically withdrawn from my account, yet after five months, the amount owed is higher instead of lower. I am requesting that this account be removed from my name due to fraudulent activity, misleading practices, and breach of customer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed out of {$300.00} for a service & the person promised that she would refund me if shouldnt help me. She wasnt able to help me and she never refunded me. At first she said she would refund me the entire {$300.00} back but then when I kept asking for a refund due to the horrible communication and how this person kept not responding and going missing multiple days without responding to me, then the person promised to refund {$150.00} which wasnt the agreement and I never even got {$150.00} back even though Im suppose to get {$300.00} back for a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a fraudulent wire transfer totaling approximately {$20000.00}. On XX/XX/year>, I was deceived into initiating a wire transfer in person at a Bank of America financial center. Shortly after completing the transaction, I realized I had been the victim of a scam and immediately contacted Bank of Americas fraud department the same day to report the incident, freeze the account and opened a new one. Despite my immediate report, Bank of America representatives informed me that no recovery action could be taken because the transfer was authorized in person. I was repeatedly told that a wire recall could not be initiated due to the type of transaction, which I later learned is not an accurate or complete explanation. My account was subsequently frozen, and I observed internal transaction entries including a temporary RETURN OF POSTED CHECK for the {$20000.00}, followed by a FORCE POST DEBIT, which suggests that some form of internal action was attempted but ultimately failed. However, I have been unable to obtain clear answers as to whether a formal wire recall request was ever sent to the receiving bank or whether timely interbank communication occurred to attempt to freeze the funds. Key concerns : I reported the fraud immediately, within hours of the transaction Bank of America did not initiate or can not confirm initiating a formal wire recall I received inconsistent and potentially misleading explanations from multiple representatives I was told recovery was not possible solely because the transaction was authorized in person, without further effort to attempt recovery There is no transparency regarding what specific recovery actions were taken, when, and with which institutions Additionally, the police officer who took my report indicated that there were multiple similar fraud cases in the same area within the same week, all involving Bank of America customers. This suggests a pattern of targeted scams and underscores the importance of timely and effective recovery actions when fraud is reported immediately.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: LA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any XXXX authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. I am also tracking this letter so I will know when your company receives this Letter. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Louisiana medical privacy rules . I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I am filing this complaint regarding ongoing debt collection activity by XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX related to an alleged consumer debt originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In or around XXXX, I previously received collection communications regarding this account and I submitted a written dispute and request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I requested a full breakdown of the balance, including principal, interest, fees, and proof of ownership of the debt. I did not receive proper validation or documentation in response. After approximately XXXX year without meaningful resolution or validation, I began receiving renewed collection communications in XXXX from XXXX XXXX XXXX, XXXX indicating that the account was now in their care. These communications attempted to collect payment and directed me to a payment portal. The most recent communication includes language implying potential asset freezing or enforcement actions. However, no court judgment has been entered against me, and no legal process authorizing garnishment, levy, or asset seizure exists. The company has not provided : - A complete itemization of the alleged balance ( {$1100.00} ) - Documentation of how interest and fees were calculated - Proof of a valid chain of ownership from the original creditor to the current collector - Proper validation of the debt after my dispute request I believe the debt collector is engaging in unfair or misleading collection practices and has failed to properly validate the debt as required under FDCPA regulations. I am requesting that the company be required to provide full validation and cease any misleading or unverified collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I have formally disputed the payday loan ( world Finance ) account with the credit reporting agencies. As part of my dispute, I provided supporting documentation showing that this account was included in my bankruptcy and subsequently discharged. Based on this, the account should not be reported or pursued for collection. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
I applied for a loan with XXXX, then XXXX, Now Mohela. The original loan was for XXXX dollars to attend The XXXX for XXXX XXXX XXXX in XXXX MA in XXXX. XXXX years later I now have repayed XXXX XXXX and according to Mohela XXXX I still owe XXXX XXXXXXXX and its not due for a payoff for years. Following their escalation over this time period of another XXXX years, this original loan could end up costing XXXX XXXX dollars. XXXX. In XXXX, I was steered towards forbearance, instead of a lower payment plan and this according to the internet is a common practice at this company. XXXX. It appears they were also in violation of the cost of attendance cap when I took the original loan out as the tuition was around {$22000.00} and they gave me {$35000.00}. XXXX. The institution of XXXX itself was accused of accreditation fraud and misrepresenting job placements, etc. All in all, I'd like some help or guidance on this. I've made good on my loan, paid the money back and they made a profit of {$7000.00} dollars. I have already paid 20 % over the original amount and they are still trying to take me for another {$15000.00} dollars XXXX which amounts to 62 % over the original amount. How is this even allowed? Thanks I appreciate any help or advice on this-

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: GA

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 XXXX 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.

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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
CASH APP DIDNT HAVE A Y INFO AND DIDNT TRY TO HELP ME SOLVE THE SEVERAL TIMES PLACES TOOK MONEY OFF MY CASH APP CARD AND THEY DIDNT HAVE ANY HUMAN PERSON TO TALK TO. AND I NEVER GOT MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally report fraudulent activity on my account and to request that my legitimate account not be closed, suspended, or deleted as a result of this fraud. I am the rightful account holder and have been a victim of unauthorized activity that I did not initiate or authorize. A fraudulent account or fraudulent transactions have been associated with my account without my knowledge or consent. I am deeply concerned that my legitimate account may be penalized, restricted, or deleted due to activity that I had no part in. I am requesting that the Consumer Financial Protection Bureau take note of the following : XXXX. I am the verified, lawful account holder in good standing. XXXX. The fraudulent activity on my account was conducted without my authorization. XXXX. I have reported this fraud to my financial institution and have taken steps to protect my account. XXXX. I am requesting that no adverse action including account deletion, suspension, or negative reporting be taken against my legitimate account as a result of this fraudulent activity. I respectfully ask the CFPB to investigate this matter and ensure that my rights as a consumer are protected. I am prepared to provide any supporting documentation, including account records, communication with my financial institution, and any fraud reports I have filed. Thank you for your attention

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Valon Technologies, Inc.
State: LA

Complaint narrative:
I can set up payment plan keep changing down payment jumps up XXXX dollars everyone i call end of XXXX called said set up payment plan have XXXX then called XXXX weeks ago XXXX now today XXXX i dont understand why they keep changing up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
I bought a XXXX XXXX XXXXXXXX XXXX with financing through Santander XXXX and was charged 25 % interest with a {$680.00} payment a month. With my job I cant afford this payment and interest. Now they are reposting the vehicle.

Company response to consumer: Closed with explanation