vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Issue : Account access / Funds unavailable / Poor customer service Company : Citibank Complaint : I am filing this complaint on behalf of my uncle, XXXX XXXX, regarding Citibanks failure to restore access to his account under Case # XXXX. For over 2.5 months, Citibank has locked his account and repeatedly stated that a letter containing a verification code was mailed ( on XX/XX/XXXX and XX/XX/XXXX ). No letter has been received. Despite multiple calls to Citibank and its Fraud Department, no resolution has been provided. Citibank has failed to : * Deliver the required verification code * Provide proof of mailing or tracking * Offer any alternative method to verify identity and restore access As a result, my uncle is experiencing significant financial hardship, as he can not access his own funds. Requested Resolution : * Immediate restoration of account access, OR * Reissuance of the verification code via trackable courier ( FedEx/DHL ) , OR * A secure phone or digital verification method to unlock the account immediately This issue has gone unresolved for an unreasonable amount of time and requires urgent intervention. Consumer Information : XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: FL

Complaint narrative:
I am filing this complaint regarding the handling of a dispute on my credit card account with Chase. I was introduced to what was presented as a legitimate e-commerce business opportunity through an acquaintance. I was referred to a third party who represented that they would assist in operating an online store that would generate income. Based on these representations, I authorized payments totaling approximately {$40000.00} on my Chase credit card. At the time of the transactions, I believed the business and services were legitimate. However, the services were not delivered as promised, the business failed, and I later discovered that the operation involved deceptive and misleading practices. I have since learned that this matter is associated with an investigation by the Federal Trade Commission. I submitted a dispute with Chase once I became aware that I had been misled. However, the dispute was denied, primarily on the basis that the transactions were authorized and not reported within the standard timeframe. My concern is that this situation was not a typical authorized purchase, but rather a scam involving misrepresentation. I did not have a reasonable opportunity to identify the fraudulent nature of the business within the required reporting period. I acted in good faith based on false information provided to me. I am requesting that Chase reconsider this matter as a scam/misrepresentation case rather than a standard authorized transaction, and review the supporting documentation I can provide, including evidence of deceptive practices and related investigations. As a result of this situation, I have suffered significant financial harm, with total exposure across institutions of approximately {$80000.00}. I respectfully request a thorough review of this case and a reconsideration of the decision. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted Equifax multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I closed the account with {$910.00} on XX/XX/XXXX. I was a joint account holder with my mother. My mother died XX/XX/XXXX but apparently they tried to send the check to her despite them having multiple copies of her death certificate. Chase is now refusing to send me the money. They will not issue a stop check order and will not reissue another check. They have given me every excuse in the book and say that they can see the money was never mailed to me and the check was never cashed but their hands are tied and there's nothing they can do. So it seems they think it's okay if they just my money. I want them to issue me the check for this balance amount. It is my money, not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/year> Subject : Debt Validation Request FDCPA 809 To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you are required to provide proper documentation to validate this debt. Please provide the following : - A copy of the original signed contract - Complete account payment history - Proof of your legal ownership of this debt - Chain of assignment from the original creditor - Name and address of the original creditor Until this validation is provided, you must cease all collection activity and reporting on this account. If you can not provide this documentation, you must delete this account from all credit reporting agencies immediately. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. This is not a refusal to pay, but a request for validation. Sincerely, -- - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/XXXX, we have interacted with Wells Fargo Unclaimed Property over 28 times related to recovering check # XXXX for {$7100.00} through XX/XX/XXXX, speaking with over 11 different people in the organization. Each time we are assured the case is either completed or being handled. However, we frequently find that a case opened is now closed or needs to be reopened, triggering a Wells Fargo process that adds another 10 days for the next response. We have now spent over 30 hours trying to recover our property over the course of 4 months and need assistance to bring this case to closure. In late XX/XX/XXXX, we received 2 letters from Wells Fargo Unclaimed Property dated XXXX XX/XX/XXXX, notifying us that there were 2 checks for unclaimed property : Check # XXXX for {$61.00} that was issued on XX/XX/XXXX, and another check # XXXX for {$7100.00}. These were related to a loan refinance at a time where my loan was sold to XXXX XXXX, then to XXXX XXXX, who sold loan to XXXX ( my current mortgage holder ). During this time, we were not notified of the financial error or of the checks existence, and did not receive the checks listed above. We notified Wells Fargo Unclaimed Property through their email process ( XXXX ) on XX/XX/XXXX for the smaller check ( # XXXX for {$61.00} ) and received and deposited the check by XX/XX/XXXX. However, the second check required a notarized affidavit, which we completed and submitted in the same manner on XX/XX/XXXX, including attaching the notarized affidavit. We also followed up with a registered letter with the same information sent on XX/XX/XXXX and received return receipt confirmation on XX/XX/XXXX. Since contacting Wells Fargo Unclaimed Property on XX/XX/XXXX to recover check # XXXX for {$7100.00}, we are still waiting to receive our property.

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
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The continued reporting of the disputed account without producing competent, verifiable, and legally sufficient evidence of its accuracy, my ownership, and your lawful authority to report it constitutes a knowing and willful violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ). Reporting unverified information undermines the integrity of the consumer reporting system and violates non-discretionary statutory obligations.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
On XX/XX/XXXX, {$4500.00} was taken from my federal tax refund through the Treasury Offset Program for this alleged debt. However, AAFES previously responded to a CFPB complaint stating that this account was charged off on XX/XX/XXXX and marked paid in full on XX/XX/XXXX. Despite this paid in full designation, collection activity has continued. When I contacted the collection agency servicing this account, I was informed that multiple Treasury offsets have already been applied over several years, totaling approximately {$15000.00}, in addition to the recent {$4500.00} offset. This indicates that nearly {$20000.00} has been collected on this account, yet no complete accounting has been provided, this far exceeds the original balance. I have requested a full itemized accounting of the debt, including the original balance, all transactions, payments, offsets, fees, and adjustments. Both AAFES and the collection agency have failed to provide this information clearly. AAFES has refused to discuss the account by phone and directed me to the collection agency, while the collection agency has provided only partial and inconsistent information. Additionally, I was not provided with a meaningful opportunity to dispute or review this debt prior to the Treasury Offset. Whenever I try to talk to AAFES, they send me back to the collection agency, who sends me back to AAFES. Given the prior paid in full status and the significant amount already collected, I am requesting : A complete itemized accounting of the account Clarification of how any balance remained after the paid in full designation Review of whether excessive or improper collections have occurred Refund of any improperly collected funds Suspension of further collection activity pending investigation

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/year>, my phone was stolen from my person in XXXX XXXX, Florida. At that point, I no longer had possession or control of the device. After the theft, an unauthorized individual accessed my phone and accounts. Using XXXXXXXX XXXX XXXX XXXXXXXX, I located the device in XXXX, Florida and contacted law enforcement, who accompanied me to the location. On XX/XX/year>, multiple unauthorized transactions occurred, including a {$2000.00} XXXX transfer to XXXX XXXX ( Claim # XXXX ). I did not authorize this transaction. I filed police reports in both XXXX XXXX ( Report # XXXX ) and XXXX XXXX, and law enforcement confirmed individuals using my card on surveillance footage. Due to an active investigation, full reports may be redacted, but report numbers and details have been provided. Bank of America denied my claim, stating the transaction was authorized because it originated from my device and was confirmed via text message. This is incorrect. My phone was stolen and not in my possession, and the unauthorized individual had access to any verification messages. Under the Electronic Fund Transfer Act, this qualifies as an unauthorized transaction. I am requesting reimbursement of the {$2000.00} transfer and a proper investigation in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I paid my famous footwear card off in full and asked them not to charge me a credit card fee thst would result in interest later and they agreed. They ended up charging me XXXX after I paid the balance off and now have charged me interest for a card I paid off and closed with them a year ago. Will not stop harrassing me with phone calls

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
HIS DEBT IS CONSIDERED A CHARGE OFF. HOWEVER, THIS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED AN 1099c IN ORDER TO COUNT THIS AS INCOME. THIS IS NOT A CHARGE OFF. IM REQUESTIONG THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT. NAVY FEDERAL CR UNION-XXXX ...,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ava Finance, Inc
State: NY

Complaint narrative:
My account has automatic payments enabled, but the companys system is failing to process my payments even though I have sufficient funds available. I have received repeated failed payment notifications such as insufficient funds or payment not processed, which is inaccurate. I contacted customer support on XX/XX/year> and XX/XX/year>, as well as prior dates. On XX/XX/year> I was told the issue was fixed and would be investigated, but I did not receive any follow-up and the problem is still ongoing. Because of this system error, I am concerned about potential late fees and incorrect negative credit reporting. I am requesting that my account be corrected immediately, that autopay be properly fixed, and that no negative credit reporting or fees be applied due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am filing a complaint regarding a Synchrony Bank account that is reporting as a charge-off. I was placed on a hardship/repayment plan where I was told the account would be closed and I would make monthly payments of {$25.00} until the balance was paid. However, the account still ended up being charged off. I am requesting a full review of the repayment plan, including how payments were set up and whether there was any issue with processing those payments. This was not an intentional failure to pay, as I had entered into an agreement to resolve the account. I am requesting that the reporting be reviewed and corrected or adjusted 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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am trying to transfer my money for pickup at a store and PayPal says to go through XXXX to do the transfer. I go to XXXX to transfer my funds and it tells me I have to have a different card on file to transfer funds from PayPal to XXXX. I call PayPal customer service to have them accept the transfer and they said I have to put a card on file before they can transfer the money. The problem with that is is they want {$1.00} to add the card ( which I do not have ) and without that {$1.00} if I try to link the card it blocks me out of my account. Then they said my account isnt eligible for a physical card because basically I have to earn credit through transactions but if I dont have a card from them or money on another card then theyre holding my money hostage until they get the {$1.00} to link a card. It should not be this difficult to get MY money out or get a physical card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc

Complaint narrative:
I disabled autopay on my Affirm account after noticing unauthorized or unwanted payment attempts. Despite this, the company continued to initiate automatic payment attempts on my account. I contacted Affirm multiple times to resolve the issue and was assured that autopay had been disabled. However, I kept receiving notifications that payment attempts were still being made. This situation is concerning because I explicitly withdrew authorization for automatic payments, yet the company continues to act as if authorization is still in place. This has caused stress and concern about unauthorized withdrawals. I am requesting that Affirm immediately stop all automatic payment attempts, confirm that autopay is fully disabled, and ensure that no further unauthorized transactions are initiated.

Company response to consumer: Closed with explanation