vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I did not apply for, authorize, or benefit from any accounts, services, or transactions associated with these institutions. I became aware of this issue after noticing unfamiliar activity and/or accounts that I do not recognize. This activity appears to have been conducted by an unknown individual using my personal information without my consent. I have not shared my personal information with anyone who would have permission to open or use these accounts. I am requesting that these fraudulent accounts and any related transactions be investigated, removed, and blocked, and that my identity be protected moving forward. I certify that the information I have provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I was marketed the Citi Double Cash in multiple places, including the exact credit bureau that Citi pulls their credit reports from, XXXX. I applied for a Citi Double Cash credit card and was denied immediately. I called and escalated to an account supervisor. Basic support and supervisor support were both horribly rude and unhelpful.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/year> - {$2.00} my Gap insurance did not pay for the rest of the car or it got flooded out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: TX

Complaint narrative:
Well I tried to go back into all of my old accounts I just was released from XXXX about a year ago and since I've got out I've not been able to get into none of my accounts they were all somebody stole my wallet and they went into my account so they got my information was in my wallet so they went into my account and they changed my account information with all their information and now I don't know their information so they won't let me get back into my account unless I have the information that's on file so everywhere I go to try and open an account they deny me so they have really social security office my driver 's license on file I'm having trouble with them like everybody whoever stole my wallet really screwed me cash app my other accounts XXXX all of them I'm not able to get in my XXXX all my accounts were touched and gone through and changed and now I can't get into nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I obtained an installment loan through XXXX ( XXXX ) to purchase airline tickets from XXXX XXXX in XX/XX/year>. The loan amount was approximately {$2500.00} and was paid directly to the airline. The tickets were purchased as refundable fares. I canceled the trip within the allowed timeframe and followed XXXX XXXX instructions to request a refund to the original form of payment. XXXX acknowledged receipt of my refund request. A separate itinerary from the same trip, purchased using the same payment method, was successfully refunded to the original form of payment, confirming that refunds were both eligible and processed under the same conditions. However, the remaining itinerary was not refunded and instead converted into a travel credit, despite my refund request. I notified the lender of this issue in XX/XX/year> and requested that the account be reviewed and that collection activity cease while the refund issue was resolved. Despite this, the lender continued to report the account as delinquent, charged it off, and sold it to a collection agency. The collection agency is now reporting a balance of approximately {$2900.00}, which is higher than the original loan amount. I requested documentation showing how this balance was calculated, including a payment history and whether any refund from XXXX XXXX was received and applied. The company did not provide this information. This debt results from a failure to properly process or apply a refund for a refundable transaction. The reported balance is inaccurate and has not been adequately verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was told that my money was being returned to my account and it was not I was informed that XXXX XXXX also a BMO customer like myself was returning the funds thats were accidentally sent to her account she contacted BMO and they told her they will handle the situation but they didnt I still have my XXXX dollars in my account I was told that their fraud department was closed but online it states it 24 hrs 6 days a week by a representative they said they closed at XXXX XXXX I did call around 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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened a Barclays XXXX credit card in early XX/XX/year>. I used the card only once for a small bakery purchase during the first week after receiving it. In the second week, Barclays froze the account and required identity verification. I immediately attempted to comply. Over the next several weeks, I mailed the requested documents to Barclays in Delaware and contacted customer service weekly. Each time, I was asked to provide more documents. By XX/XX/year>, I had sent three separate mailings, each containing multiple documents requested by Barclays. On XX/XX/year>, Barclays informed me that it had decided to close the account because it still could not verify my identity, despite the documents I submitted. However, Barclays has continued billing me and is demanding payment of the full annual fee. My statement balance is {$520.00}, due XX/XX/year>, including the annual fee and my one small purchase. Barclays froze and then closed the account shortly after it was opened, which prevented meaningful use of the account. I believe it is unfair and improper to require payment of the full annual fee under these circumstances, especially when I made repeated good-faith efforts to comply with Barclays verification requests. The company froze and then closed the account almost immediately after opening, while continuing to charge the full annual fee. I had almost no opportunity to use the card, and the inability to use it resulted from Barclays own actions. I made repeated good-faith efforts to provide identity verification documents, but Barclays still refused to verify me and then insisted that I remain responsible for the annual fee. I believe this may constitute unfair billing and unfair treatment of a consumer account because Barclays denied the practical benefit of the credit card while still demanding the full annual fee.

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 2026-04-24 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: TX

Complaint narrative:
I am filing a complaint regarding how Capital One handled a billing dispute involving unauthorized add-on charges from XXXX XXXX ( Order # XXXX ). On the date of purchase, XX/XX/year>, I bought prescription glasses. After reviewing my receipt, I discovered I was charged an additional {$140.00} for optional lens add-ons that I did not knowingly authorize. These charges include XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. At no point during the transaction were these add-ons services clearly disclosed as optional or presented for my explicit approval. I did not agree to these charges. I returned to the store the same day to address the issue directly. The salesperson stated that the add-ons were default and could not be removed. However, I later confirmed through both XXXX XXXX customer support and my vision insurance provider that these add-ons are optional services that require customer consent. I also attempted to resolve the issue further with the merchant, but they claimed they could not locate my order despite the order number being provided. I then filed a dispute with Capital One. The dispute was denied on the basis of insufficient documentation. However, I provided supporting evidence including my receipt with highlighted charges, written explanation of the issue, and documentation of my attempts to resolve the matter with the merchant. This complaint concerns unauthorized add-on charges and the handling of my dispute, which I believe was not fully or properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: VA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with L J ROSS ASSOC. They did not provide me with the original contract as requested.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
We applied for a personal line of credit with RCI at the request of XXXX XXXX. This paid the initial payment. We then took loans from our XXXX XXXX XXXX to pay the remaining balance in full. Once paid the company didnt honor or meet any of the contractual agreements. Now know as XXXX XXXX they refused to pay off our XXXX time share as agreed, they didnt provide us with the agreed funds and will not allow us to book dates to us the resort or sale our weeks.

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 2026-04-24 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
XX/XX/year> {$13000.00} I Never received the money from the student loans. That Im being asked to pay back which is not right. I also never received a career that was promised to me for taking the course. Even the high school diploma course I did my best in and it was not credited by the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
I had a chime account for 2 years and all of a sudden they closed my account and will not tell me why they closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX, I paid {$4000.00} to a merchant ( XXXX XXXX, XXXX, FL ) for a cryptocurrency trading coaching program. The signed contract ( executed via XXXX ) explicitly listed " Lifetime Access to XXXX XXXX XXXX '' as a contracted deliverable in Section 3, Item E. The merchant subsequently shut down and discontinued the XXXX XXXX XXXX entirely, publicly announcing it was " closed and fully sunset. '' This was done without my consent, without offering a substitute, and without any contract amendment. This is a direct breach of a lifetime deliverable I paid for. Additionally, during the sales process I was told the program would be compatible with my timezone ( I am located in XXXX, XXXX ). In practice, all live sessions were held at XXXX XXXX and XXXX XXXX New York XXXX, which is XXXX XXXX and XXXX XXXX my time. Real-time trading calls were posted at XXXX XXXX and XXXX XXXX my local time. For a meme coin trading program where entries must be immediate, this made the service functionally unusable as sold. On XX/XX/XXXX, I sent the merchant a detailed written message outlining both issues and requesting resolution. He never responded. I filed a dispute with my credit card company. The dispute was denied. I am requesting the CFPB intervene because my credit card company failed to properly resolve a clear case of non-delivery of contracted services and material misrepresentation by the merchant. I am seeking a full refund of {$4000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: TX

Complaint narrative:
I am submitting this complaint regarding my Macys XXXX XXXX card. I opened this card on XX/XX/year> at Macys in XXXX XXXX in XXXX, Texas. When I was approached in the store, the representative told me that if I opened a Macys XXXX XXXX card, I would receive 30 % off my total bill. I agreed to open the card based on that representation. The only charges placed on that new card were the purchases made that day in the store. However, I have not seen the 30 % discount reflected on the account. I contacted customer service on XX/XX/year> regarding this issue, but it still has not been resolved. My bill is due on XX/XX/year>, and this issue remains unresolved as that due date approaches. This is especially concerning because I want this matter resolved well before my bill is due and before I make payment, so I can verify that the account is accurate and that the promised discount has been properly applied. I am requesting that the company honor the promised 30 % discount associated with opening the Macys XXXX XXXX card, or provide a clear written explanation for why it was not applied, investigate and correct any related billing or account servicing issues, and provide a prompt written response before my upcoming payment due date.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding the actions of Capital One, which recently closed XXXX of my credit card accounts without providing any prior written notice or a clear explanation. Both accounts were in my name and, to my knowledge, were in good standing at the time of closure. I did not receive any formal communicationeither by mail or emailexplaining the reason for these closures. The lack of transparency has caused confusion and concern, particularly given the potential negative impact on my credit profile. As a consumer, I understand that financial institutions may close accounts at their discretion ; however, I believe I am entitled to clear communication regarding such actions, especially when they may affect my creditworthiness and financial standing. I am requesting the following : A written explanation detailing the specific reason ( XXXX ) for the closure of both accounts. Confirmation of whether any adverse information related to these closures has been reported to credit bureaus. Copies of any internal notes, communications, or determinations that led to the decision. Clarification on whether these closures were related to any compliance, risk, or account review processes. Additionally, I would like to understand why no prior notice was provided and whether this aligns with Capital Ones policies and applicable consumer protection standards. I respectfully request that this matter be reviewed and that I receive a timely and transparent response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: Cedars Business Services, LLC
State: TX

Complaint narrative:
I placed an order from XXXX. They over charged me almost doubt for the amount of the order. They credited my credit card but zeroed out the whole amount instead of just crediting me just the amount that they over charged me. XXXX states they cant recharge the credit card for the correct amount? There system doesnt allow this. Instead of contacting me or charging me again for just the amount of the order they sent it to collections. Since I pay the credit card off monthly when I can I had no idea of this second error that they made. I have very good credit and am very upset how they handled this. They told me they would resolve this since this was their errors but after weeks of calling them they told me today I would have to pay the collection agency because there is nothing they can do even though they are saying the overcharge was a systems issue. I think its terrible that no one will take accountability for this issue. The first time I knew of a balance due was when the debt collections contacted me by email. Why would a company do this when this is their errors not mine. The least they could of done was to contacted me about the second error instead of trying to ruin my good credit. The invoice for the order and credit card statement dont add up so I have no idea if what they say I owe is correct because none of the charges are for items in the order. I will be happy to send invoice and statement. I cant make any sense out of them. I went to the XXXX website and sent a picture of what is now showing on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: MN

Complaint narrative:
My college allotted more student loans than was allowable per semester for my student aid for 2 semesters. I paid that money back out of pocket to the college, as they required, since they lowered the amount of money I borrowed from federal loans due to increased financial aid from Veterans Affairs ( VA ). ( you only are allowed a set dollar amount of financial aid per semester & my VA benefits, which come in later than all other aid, that were received put it over the top. So the college repaid my loans without my permission and as required by law & had me pay them back for the loans, as is BAU - business as usual ). However, the full amount was still taken ( without the amount I had paid out of pocket ) out as student loans. I called MOHELA to ask why I still owed the extra roughly {$2000.00} in loans ( after my amount borrowed was reduced ) and they said it was because the college hadn't yet paid them the difference. I called my school and they said they would pay MOHELA once I had payed the college per our payment plan. Once fully paid, ( 1 year ago now ), I still haven't seen the {$2000.00} deduction of what I paid to my college ( who is responsible for repaying MOHELA the difference of what was ACTUALLY received vs. what I owe ), and what my college subtracted from my loans. This has resulted in me paying {$2000.00} out of pocket to pay back loans that were reduced BY THE COLLEGE a week or two after taking them out and still owing MOHELA {$2000.00} + interest for the past 2 years of money that was immediately refunded. These were federal subsidized and unsubsidized loans. Please help me, because I am now paying double the money for money I never even borrowed. Thanks.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. XXXX XXXX XX/XX/year> -- {$1500.00}

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX, I opened a Truist account because it was the closest bank to my workplace, as I had decided to stop using XXXX XXXX. I deposited my first paycheck from work on XX/XX/XXXX, and it was placed under review. I understood that was normal. Two weeks later, I deposited my second paycheck, and it was still under review. After another two weeks, Truist closed my account, stating it was due to suspected fraud. I called multiple times to ask what I could do, and they told me I needed to wait and also provide a letter from my employer confirming that they had issued the checks. Two weeks ago, I submitted that letter, and I still have not received any resolution. The funds have not been released, and they have not even been returned to the issuer of the checks. The total is {$3400.00} It has been a month and a half without access to both of my paychecks, and I am now in debt because of this situation.

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 non-monetary relief