vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I started investing my savings ( est. {$120000.00} ) with Robinhood in XX/XX/XXXX, uneventfully so until Friday, the XXXX of XXXX, XXXX, when my account was, without notice or reason given, restricted from performing any action. I then contacted their in-app support, requesting details and solutions, and offering to share any information I have at my disposal, as well as double checking that all my information they have on record is correct. I was told that they have all the information they need, and that I will receive an update within XXXX business days. On the following Monday, the XXXX of XXXX, my case was listed as closed with no further information given to me, upon which I contacted in-app support again. I confirmed my identity through upload of an image of my ID as well as a XXXXpoint selfie and requested details on why my account has been restricted, and what actions I can take to access the remainder of my savings, currently tied up in stocks and XXXX which I can not sell due to the restriction placed upon my account. I was told they would look into it, and days later I received an e-mail providing no further details on the reasoning behind the restriction, merely stating that the decision is final, and the restriction is permanent and can not be lifted. I tried contacting in-app support again, but was prevented from doing so by their support 's chat bot asking me to confirm my identity, a function that does not exists, yet prompted me to update my app, when no such update is anywhere to be found, effectively cutting off a point of contact with the firm. Furthermore, there is no callable phone number for support listed anywhere, only the option to request a call back, which I have done to no avail. E-mail correspondence is now my only remaining point of contact with support, which is still refusing to offer any details or solutions to my issue. I have requested liquidation of my assets to withdraw my invested money back to my linked bank account, which has been refused, leaving me with no option but to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Victim Profile : The consumer is XXXX XXXX XXXX and has been a loyal client of this specific branch for over XXXX years. Description of Incident & Discovery : On XX/XX/XXXX, the consumer issued a check for {$9400.00} payable to the " United States Treasury. '' This check was intercepted, chemically washed, and altered. First Citizens Bank failed in its duty of Ordinary Care by honoring this check despite it being endorsed by a hand-printed private individual rather than a government entity. Concealment via Bank Statement : The banks monthly statements clearly showed the check as " Cleared and Reconciled. '' Because the bank maintains a fee-based " paywall '' and does not provide check images as part of the standard statement, the XXXX consumer had no physical evidence to review and no reason to suspect a criminal alteration. Discovery via IRS : The fraud was only discovered months later when the IRS sent a notice of a delinquent quarterly payment. This IRS notification triggered the discovery of the washed check. A formal criminal report was filed with the XXXX Police Department ( Case No. XXXX ). Bad Faith Denial & Elder Abuse : Despite this evidence, the bank has issued XXXX formal denials ( most recently on XX/XX/XXXX ), citing an internal XXXX policy to bypass XXXX Commercial Code 4406, which provides a one-year statutory window for alterations. By refusing to credit the account, the bank is in " Wrongful Retention '' of a seniors property ( XXXX XXXX XXXX ). Furthermore, while reporting this felony, staff attempted to solicit a new credit card from the victima predatory tactic violating XXXX SB 278 ( XXXX ). Ongoing Investigations : A formal state complaint is currently active with the XXXX DFPI ( Complaint ID : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Description of Incident : I am a victim of XXXX XXXX XXXX XXXX XXXX, as documented in XXXX Police Report # XXXX and XXXX XXXX XXXX XXXX # XXXX. While major credit bureaus ( XXXX and XXXX ) have already verified this claim and implemented a permanent block on XXXX 's reporting under 15 U.S.C. 1681c-2 ( FCRA 605B ) resulting in a restored credit score of XXXXXXXX XXXX continues XXXX furnish inaccurate, fraudulent data. Legal Violations : Ineffective Consent ( 12 CFR 1026.12 ) : I am disputing the entire account balance, including all transactions, interest, and fees. Under the Truth in Lending Act ( XXXX XXXX ), authority can not be granted through criminal coercion. Any logins or payments ( including settlement payments ) were " survival mechanisms '' performed under active duress to protect my standing. This constitutes ineffective consent, and the burden of proof is on XXXX to prove voluntary authorization. Failure of Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX is willfully furnishing data that has been legally suppressed by other national bureaus. This is a direct failure to maintain the accuracy of my consumer file. XXXX XXXX : My liability for these coerced transactions is strictly capped at {$50.00} by federal law. Desired Resolution : Full Restitution of XXXX Funds : I demand a full refund of all payments, settlement payments, interest, and fees ever made to this account. These funds must be issued via check to my address in XXXX, OH. Immediate Permanent Deletion : Permanent cessation of furnishing to Equifax and all other agencies to match the XXXX blocks already in place at other bureaus. Account XXXX : XXXX of the account for all funds lost to coerced transactions and an adjustment of the balance to {$0.00}. Final Statutory Notice : Failure to meet these demands by XX/XX/year>, will result in litigation in the XXXX XXXX XXXX XXXX XXXX XXXX seeking a minimum of {$50000.00} in statutory and punitive damages for willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint regarding a missing refund that has not been properly handled. I was charged {$120.00} by XXXX XXXX in XXXX for a membership that I had already cancelled in XXXX and did not authorize. XXXX XXXX has informed me that a refund for this charge was already issued back to my credit card issuer, Citibank. However, I have not received this refund, and Citibank states they can not locate it. I contacted both parties multiple times. XXXX XXXX claims the refund is already processed, while Citibank refuses to investigate further or locate the funds. As a result, I am left without my money, and neither party is taking responsibility. I am requesting Citibank to conduct a full investigation, trace the refund transaction, and credit my account accordingly.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Inquires : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> XXXX stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
It was originally from maybe bestbuy but was charged off and sold to a company I owe nothing to this company. I will not reach out to them cause I have nothing with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I feel deeply wronged by the credit acceptance with whom I leased my vehicle from. From the start they ignored my legitimate concerns and failed to take reasonable action to resolve problems, leaving me stranded while charges and notices piled up. Their neglect forced me into a position where I could no longer keep up with billing for services I never received, and now they act as if I alone am at fault and owe them money. Their indifference and lack of accountability have been both unfair and damaging, and its painful to be treated with such disregard after trusting them.

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 2026-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I dropped my debit card and as soon as i realized it was gone somebody was using it I called Chime to let them know and i put in a dispute that was the first time so the first time they denied it saying it was me using the card and I didnt have a police report So now Im putting in the dispute for the 2nd time now I have the police report because one of the customer service reps said 1 of the reasons why it was denied because I didnt t have police report I just got the report and they denied me again .. Its crazy because I didnt make the charges somebody picked up my card and used it.. So why am i being penalized for something someone else did .. Its unfair to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I had a CareCredit/Synchrony promotional financing plan ( original balance {$12000.00}, purchase date XX/XX/XXXX, expiration XX/XX/XXXX ). During the promotional period, Synchrony migrated to a new portal requiring re-registration with a physical card number. I did not have my physical card available and was unable to complete re-registration. I attempted to call multiple times and could not reach a live representative. As a direct result, I lost access to my account during the critical window before expiration and was unable to monitor my balance or pay off the remaining {$2000.00} promotional balance in time. Upon expiration, Synchrony assessed {$2400.00} in retroactive deferred interest calculated on the full original {$12000.00} rather than the remaining balance bringing my account to {$3200.00}. On XX/XX/XXXX I submitted a formal written dispute requesting removal of the deferred interest and proposing a 3-payment settlement of {$1100.00} ( principal plus legitimate post-expiration interest only ). On XX/XX/XXXX Synchrony responded with a generic form letter denying my request with no itemization, no acknowledgment of the portal access issue, and no substantive engagement with my dispute. I am requesting the CFPB require Synchrony to reverse the retroactive deferred interest charges caused by their platform migration disrupting my account access.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am a resident of Wisconsin, but the debt collector ( LVNV Funding/Resurgent Capital Services ) is conducting collection activities as if I am a resident of Minnesota. 1. Unauthorized Third-Party Disclosure ( Privacy Violation ) : The company is mailing sensitive financial documents and collection notices ( dated XX/XX/XXXX and XX/XX/year> ) to a third-party residence in Minnesota. As a Wisconsin resident, this exposure of my private debt information to a third-party household is a violation of FDCPA 1692c ( b ) and Wis. Stat . 427.104 ( 1 ) ( e ). 2. Failure to Provide Proper State Notice : Under Wis. Stat. 425.104, a collector must provide a specific " Notice of Right to Cure Default '' to a Wisconsin consumers actual residence. By mailing an out-of-state address, the company has failed to meet the mandatory procedural requirements of the Wisconsin Consumer Act. 3. Insufficient Debt Verification : The account was already deleted by the original creditor ( XXXX XXXX ) as unverifiable. I requested a Chain of Title/Bill of Sale proving LVNV Funding legally owns this specific account. In response, they provided only an internal " Account Summary '' generated from their own system. Under Wisconsin law ( Bahena v. Jefferson Capital ), a self-generated summary is not sufficient proof of ownership for a debt buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> I open account with Citibank I put {$50000.00} in my savings and I put {$15000.00} in my checking I gave them a money order check from previous Bank. Total of {$65000.00}. XX/XX/year> I was moving and realized Citibank is too far away. So I close my account and ask for return of my funds. I received {$51000.00} on XXXX, 2021. At the time I pay no mind I assumed the bank would seal from me. I was also XXXX at this time recently in a accident and had a lot of neurologic issues i a lot different doctors I was seeing daily to deal with rehabbing to walk and talk. Not until I recently opened a monthly statement from Citibank that I realized it shows a deposit for savings for {$6000.00} not {$15000.00}. I pulled out my original receipt from the teller of my transaction on the XXXX of XXXX for checking amount of {$50000.00} and saving amount of {$15000.00}. The monthly statement does show that I spent {$4.00}, XXXX while banking with Citibank. And a return check of {$51000.00}. but why wasn't savings account amount incorrect? But my receipt from teller is correct? There is {$8800.00} vanished. I called the bank and they told me because I close the account they can not access my information and that I should go into a bank store and talk to someone and maybe they can help me.

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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I received an alert through my XXXX XXXX account stating that there has been a derogatory remark due to a reporting of a credit collection agency by the name of HARRIS & HARRIS , LTD, as of XX/XX/year> in the amount of {$62.00}, which caused my score to decrease through Equifax. I was never notified of this debt, and it is unverified.

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 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
This is affecting my credit in so many ways. I can't rent an apartment ; I can't get a credit card it's just keeping me back from so much right now. I been trying to get in contact with this collection company and when I did, they directed me to another collection agency, and this comes from a old car loan I had and surrendered because I was involved in a armed robbery and they stole my car and they have they had that documented by XXXX XXXX XXXX by the looks of it which doesn't make any sense how XXXX XXXX is trying to collect now on top of NCB. I have already filed a complaint with NCB MANAGEMENT SERVICE in the XXXX Aswell a week ago after I spoke to them on XX/XX/year> because I ended up getting a new MAIL letter through mail of a company as XXXX XXXX SOLUTIONS REAL RESULTS trying to collect XXXX the same amount as NCB MANAGEMENT and they told me that's them trying to collect the payment and they gave me the same number that's on the MAIL I got which is a whole different company now and I told NCB through the phone what is this. I logged into credit karma today and they closed the account of NCB MANAGEMENT SERVICE it on XX/XX/year> which is literally recent this not acceptable. I have requested the original contract agreement and everything to see how this is even possible and no answer has been given, and XXXX can't provide no details on my account back then.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I dont know who this company is False allegations period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding an incorrect debt that XXXX XXXX has sent to collections. Account number is XXXX I canceled my XXXX service when I switched to another XXXX. At that time, I returned the XXXX devices as required. I have a XXXX drop-off receipt ( uploaded document ) with tracking confirming that the devices were returned on XX/XX/year>. After the return, I noticed that charges remained on my account. I contacted XXXX customer service multiple times ( at least XXXX separate calls ) to resolve this issue. During one of my most recent conversations, I was told by a XXXX representative that the remaining fees would be removed. Despite my repeated attempts to resolve this directly with XXXX, the charges were never corrected. Instead, XXXX sent an alleged balance of approximately {$1900.00} to a third-party collection agency, CBE Group , Inc . This debt is not valid. The devices associated with these charges were returned, and I made multiple good-faith efforts to resolve the issue before it was sent to collections. I have now formally disputed this debt with the collection agency via certified mail ( uploaded usps receipt ) and have attached proof of that mailing. I am requesting the following actions : - Immediate investigation of this account - Removal of all charges related to the returned devices - Recall of this account from collections - Confirmation that this debt will not be reported, or if already reported, that it will be removed from all credit reporting agencies I have attached documentation supporting my claim, including my XXXX return receipt and certified mail receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This collection agency keeps sending me demands by email. Nothing by mail no validation paperwork as required by law. I have emailed them back each and every time stating this was included in bankruptcy and they need to stop. But they think they are above the laws and from what Ive read online they dont care

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inquires : XXXX XXXXXXXX XXXX, XXXX XX/XX/year> XXXX : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> Mentioned stated inquires and accounts are acts of fraudulent activity which I don't recognize. Please remove them from my Credit Report from all Credit bureaus ( Experian , 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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was XXXX XXXX times by Westlake financial services. The first time was back in XXXX. The second time was a big beer in the last time was last XX/XX/XXXX for a late amount of {$98.00} active. I was told that I had to pay off my remaining balance at first what I saw online whats {$2200.00}. The lady on the phone told me I had XXXX days to get it. I hung up the phone so I can try to retrieve the funds. The next day I look online it went up {$400.00}. I called Westlake financial and set up a lock on that amount and I promised to pay on Saturday. I paid on Wednesday of that week and I was told multiple times. I called Westlake multiple times during this process and ask every single representative because the calls are record recorded that after I paid this {$2600.00} I will be finished with my contract. The car will be mine. I wont have to pay them no money at all. Friday yesterday I called them asking for the title. I look online and see I still owe {$600.00} left over. Looking over my statements, I see that after my car was in my possession in XXXX. They kept increasing fees. The fees kept growing every single month and XXXX XXXX trying to figure out where are these fees from some places online to say repossession fee then on my statement, it says fee/other taxes. They keep charging me and I dont know why so I told him that I was going to sue them and get a lawyer and report them.

Company response to consumer: Closed with explanation