vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I dispute a {$4800.00} collection account from XXXX XXXX. The debt collector provided a balance statement and partial documentation but did not provide full itemization or complete proof supporting all charges. I requested validation including itemized charges, the lease agreement, the move-out inspection report, invoices or receipts for damages, justification for carpet replacement, the interest calculation, ledger adjustments, the re-rental date, and proof of authority to collect. The response did not include all requested documentation or a full reconciliation of the balance. I submitted settlement offers of {$800.00} and {$1500.00}, which were not accepted. I am disputing the accuracy and substantiation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I bought a new car XXXX XXXX they initiated the car loan with Santander . On XX/XX/XXXX, I received my first statement with account information. My monthly amount due was contracted to be {$1000.00}. On the XXXX of XXXX I made a {$5000.00} and a {$1000.00} payment that were applied to my XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of {$1700.00} then I made an additional payment of {$1000.00} on XX/XX/XXXX ( so {$2700.00} towards the XX/XX/XXXX due date ). My XXXX statement has both of those XXXX payments noted, but the amount due on XX/XX/XXXX has now INCREASED to {$1100.00}. In the 2 months that I have had this loan, I have already paid {$11000.00} towards it. After multiple phone calls with them, they can not give me a reason why there was an increase. Their business practices need to be evaluated and closely monitored because they clearly are doing something shady. Additionally, upon request to speak to a supervisor for clarification they initially stated that they could not do that. They also told me that they are not able to make outgoing phone calls to a consumer after a disconnected call- COME ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CL Holdings LLC
State: FL

Complaint narrative:
My rights are being violated. 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian is reporting inaccurate, inconsistent, and misleading information about an account furnished by XXXX XXXX. I disputed the account because the payment history, chargeoff dates, and balance reporting do not match and are not possible. Experian marked the account as updated but did not correct the errors or provide verification. The account shows a chargeoff from XX/XX/XXXX through XX/XX/XXXX, which is not possible. The balance was updated in XX/XX/XXXX even though the account was charged off in XXXX. The status shows {$120.00} past due as of XX/XX/XXXX, which is inaccurate for a chargedoff account. The Status updated date of XX/XX/XXXX does not match the timeline. The payment history also shows conflicting dates for delinquency, collections, and chargeoff. These inconsistencies violate the FCRA requirement that information be accurate, complete, and not misleading. Experian did not provide documentation showing how the information was verified. They simply refreshed dates without correcting the inaccurate reporting. I am requesting that the CFPB require Experian and XXXX XXXX to : XXXXProvide documentation proving the accuracy of the reporting, including the true Date of First Delinquency. XXXXCorrect all inaccurate dates and balances. XXXXRemove the account entirely if they can not verify the accuracy as required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
FINAL COMPLAINT NARRATIVE ( XX/XX/year> ) : I am filing this formal complaint against Capital One for a direct, ongoing violation of Federal Regulation E ( 12 CFR Part XXXX ). Capital One has unlawfully withheld {$2800.00} from my account following a documented, unauthorized XXXX transaction that occurred due to a physical device compromise.I timely reported this fraud within 48 hours. I have proactively provided Capital One with an FBI IC3 Cybercrime Report ( Confirmation No : [ XXXX ] and an XXXX police report reference number ( Reference No : [ XXXX ) .Today, Wednesday, XX/XX/year> ( Day 12 of the dispute process ), Capital One customer service supervisors confirmed that the bank is " still investigating '' but explicitly refused to provide the legally mandated provisional credit required under 12 CFR 1005.11 ( c ) when an investigation exceeds 10 business days. Furthermore, management refused to provide any definitive timeline or resolution date for this escalation, effectively stonewalling me and causing severe, immediate financial hardship.Capital One can not use internal escalation loops to bypass federal consumer protection timelines. I demand that Capital One immediately issue a full credit of {$2800.00} to my account and provide all case documents, IP logs, and evidence relied upon during this investigation as required by 12 CFR 1005.11 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Here 's a statement you can use regarding the closure of your Citi Bank account due to your claim : -- - To Whom It May Concern, I am writing to formally address the recent closure of my Citi Bank account following my filing of a claim regarding unreturned funds. I am disappointed to learn that my account has been closed as a result of this claim, as I believe it was filed in good faith and in accordance with the bank 's policies for dispute resolution. I expected that the claim process would be handled with transparency and support from your team, particularly given the nature of the circumstances surrounding my funds. The closure of my account not only impacts my access to my finances but also raises concerns about the handling of my claim. I kindly request a detailed explanation regarding the reasons for this decision and any potential steps I can take to resolve this matter. I look forward to your prompt response. I have the receipt for the refund but it was never put back in my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: GA

Complaint narrative:
Vehicle repossessed XX/XX/year>. I never received letter on intent to sale. XXXX XXXX XXXX has sold off the loan to Jefferson Capital systems who is seeking said balance. I sent a certified letter requesting proof of notice of intent to sale and a detailed letter explaining deficiency. I never received any requested information. I have provided letter sent, front and back of receipt showing proof that I sent and that they received certified letter along with a letter/bill from the company seeking deficiency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to file a fraud dispute for the past XXXX months but every time I call i received an excuse. Last thing they said they don't know my identity or a dispute is already filed but it isn't now they want to close my account after years of me being a good question. My dispute is with reatility apps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: CO

Complaint narrative:
This complaint is valid and requires immediate attention. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy and is causing serious and ongoing harm to my financial well-being. These inaccuracies must be thoroughly investigated without delay. Any information that can not be fully verified as accurate must be corrected or removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I reported suspicious activity on my account on XX/XX/year>. There was an attempted charge that I did not authorize - it did not go through. I reached out to XXXX support to notify them of this suspicious activity, and they promptly suspended my account without any additional information. I have {$55.00} in my XXXX account. On XX/XX/year>, I followed up with the support team to request an update on this case. They provide a generic template response, stating they are not able to discuss any details. I followed up on XX/XX/year> to see if there had been any update. They responded with the same generic template response, stating they cant discuss any details. The generic template response has been the only response provided to me in any attempts to outreach. Now, nearly 6 months later, my account is still suspended and Im unable to access my funds. Im also unable to obtain any information as to why my account is still suspended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: U.S. BANCORP
State: TX

Complaint narrative:
I purchased 3 tickets on XXXX with points in XX/XX/XXXX. After points my dollar cost was {$65.00} per ticket or {$190.00} total. In XX/XX/XXXX I cancelled the 3 tickets for a full refund with points returned. I received confirmation email for all 3 refunds from XXXX XXXX and received all my points. However when I checked my credit card statement I only received a refund for 1 ticket totaling {$65.00}. After waiting 10 days as advised by the credit card company I did still did not see refunds for the other 2 tickets. After calling the credit card company several times after, they admitted they had a system issue and so the 2 tickets refunds never reached my account and XXXX XXXX needed to resubmit the refunds. After speaking with XXXX XXXX several times, they insist the money was sent and debited from their account. They also sent me a website where I can input the ticket info and see the refunds as being issued. I finally did a three way call with both companies where both representative were saying the other is at fault and no resolution was reached. The credit card company wants to me to dispute the transaction but I worry that I could be blacklisted from XXXX XXXX for doing that and therefore am unwilling to do that. For what it's worth, I do believe XXXX XXXX sent the refunds as they provided proof from their emails and website lookup information. XXXX XXXX XXXX refuses to provide me with documentation of the system error they experienced as to why 2 refunded were not received.

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 2026-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Caramel Dealer Services, LLC
State: TN

Complaint narrative:
I purchased vehicle thru caramel dealer services thru XXXX secure purchase. I paid {$500.00} deposit on XXXX and {$13000.00} for balance thru wire transfer but never received vehicle. XXXX received on XXXX. No info available on vehicle. Asked to cancel transaction and was gave runaround by Caramel Dealer Services Arizona branch. Policy stated could cancel up until vehicle shipped but wouldnt cancel nor has vehicle been shipped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime Financial is the banking institution that I bank with. On XX/XX/year> there were several unauthorize transactions on my account {$1000.00} {$160.00} and {$80.00}. I filed a dispute with the financial institution and my claim was denied. I was informed that I would be receiving more information about these transactions via email. I have yet to receive the information. I contacted Chime again to find out more information about where or who the funds were sent and Chime could not provide me with the information. I have been dealing with this for almost 3 months and it really has not been resolved. My money is gone any I can not get any information on where the funds went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Subject : Citizens Bank Holding My Funds Without Explanation or Timeline I am filing a complaint against Citizens Bank regarding my bank account being placed under review with no meaningful explanation and no access to my funds. I contacted Citizens Bank customer service to ask why my account was restricted and when my funds would be released. I was told they could not provide any information and that I would simply need to wait for a letter in the mail. No clear reason for the review was provided, no timeline was given, and I was not told whether my account is frozen, being closed, or whether my remaining balance will be returned by check. As of today, I am unable to access money that belongs to me, and the bank has failed to provide adequate communication regarding : * the reason for the restriction, * the status of my account, * what documentation ( if any ) is needed from me, * and when my funds will be released. I am requesting that Citizens Bank : 1. Provide a clear explanation for the account restriction/review ; 2. Confirm whether the account is open, frozen, or closed ; 3. Provide a timeline for resolution ; 4. Release my remaining funds immediately if there is no legal basis to continue holding them. I would appreciate prompt assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Account Servicing, LLC
State: TX

Complaint narrative:
I am disputing a misrepresented financing account/loan for {$3500.00} with UGA Finance ( Universal Account Servicing , LLC ). I authorized a one-time retail purchase with the merchant, XXXX XXXX, for {$130.00}. The merchant completely misrepresented the transaction and signed me up for a multi-thousand-dollar financing contract without clear, conspicuous disclosure. When I discovered the error, I attempted to contact the lender to submit a formal dispute. A phone representative hung up on me, and the lender 's official customer service email address ( XXXX ) actively rejects incoming messages, generating delivery failure notices. The portal provided by the company is restricted and provides no function to submit an internal dispute message. The items delivered remain completely unopened, untouched, and unused in their original shipping boxes. I want this unauthorized loan cancelled in full, as it was established through deceptive trade practices and bait-and-switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: VA

Complaint narrative:
Hi, My name is XXXX XXXX and I have serval debt collections on my account that are not mines nor did i give any permission for such debt. 1.Valor Intelligent Processing {$2700.00} XX/XX/XXXX 2.XXXX XXXX {$590.00} XX/XX/XXXX 3.XXXX XXXX XXXX {$1900.00} XX/XX/XXXX 4.XXXX XXXX XXXX {$1600.00} XX/XX/XXXX 5.XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX 6.XXXX XXXX XXXX {$190.00} XX/XX/XXXX 7.XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 8.XXXX XXXX XXXX {$690.00} XX/XX/XXXX These are the 8 items on my credit Report that I'm not a wear of and would love help investigating such mutterers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding Citibanks reduction of my Home Depot consumer credit card credit limit from approximately {$6300.00} to {$600.00} following several missed payments caused by an unintended interruption of autopay after I changed banks. As soon as I became aware of the issue, I immediately corrected it and have since paid the account balance in full. Despite the account now having a zero balance, Citibank drastically reduced my available credit limit to {$300.00} and refused reconsideration unless I agreed to a hard credit inquiry and additional financial review. I understand that lenders may review accounts for risk management purposes. However, the severity of this reduction appears disproportionate considering : The delinquency was tied to a banking transition and autopay interruption, The balance has been fully paid. And I took prompt corrective action once the issue was discovered. I am especially concerned about the negative impact this action may have on my consumer credit profile. A reduction from {$6000.00} to {$600.00} significantly decreases my total available credit and may negatively affect my credit utilization ratio, credit score, and future access to affordable credit, even though the account has been paid in full.

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