vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding the closure of my Citi / AAdvantage Executive World Elite Mastercard account. Citi closed my account citing returned payments. However, those returned payments were caused by a compromised XXXX XXXX XXXXXXXX account that was restricted due to suspected fraudulent activity. As documented in the attached XXXX XXXX XXXX records : A hold was placed on the account due to fraud concerns Payments, including Citi XXXX transactions, were returned as a result XXXX XXXX XXXXXXXX has confirmed this situation was not the customers fault and has requested that related fees and penalties be waived Additionally, I made multiple good-faith efforts to pay the account, including several payments through XXXX XXXX XXXXXXXX XXXX XXXX XXXX Citis system continued retrying payments from a restricted account, which created a pattern of returned payments that does not accurately reflect my payment behavior. Citi has since refused to reopen the account, citing credit reporting, without fully considering the documented fraud-related circumstances. Requested resolution : Reinstatement of my Citi 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 2026-04-27 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: TN

Complaint narrative:
On XX/XX/year>, while I was in the hospital with my wife XXXX receiving XXXX XXXX, I received a text from Bank of America Visa asking if I made a transaction for cash transfer for {$14000.00}. I replied NO. Almost immediately I received a call from Bank of America and after a lengthy discussion, I again denied making this transaction. I was told they would look into it and let me know. A second notification came the next day asking to accept the charge so they ( BOA? ) could clear my account. I did not approve and terminated the call, thinking it may be a scam. I was away from home and planned to contact BOA when I was home. The next morning before calling BOA, I received a text saying the funds had been sent. I called BOA immediately to see what was going on and was told to file a fraud claim which I did. A week later I received in the mail a letter saying the fraud claim was denied ; that the transaction had been made on my verified device. I called to complain and was told the claim would be reopened. XXXX days later I again received a letter in the mail denying the claim for the same reason. After talking to a lawyer I was told to talk to a manager and to mot make any payment. I talked to XXXX ( BOA ) and faxed him the police report XX/XX/year>. I've heard nothing since. XXXX went past due with interest and other charges added on XX/XX/year>. Incidentally, this visa card is only used at XXXX and never used for a cash loan, Monthly charges never exceeded {$300.00} for over XXXX years. I feel this handling of this unusual and out of character transaction by BOA was irresponsible.

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 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing an inaccurate XXXX late delinquency reported by Synchrony Bank XXXX XXXX XXXX account XXXX in XXXX. On XX/XX/year>, I proactively made a full payment of {$890.00} to clear the entire balance. At the time of payment, I was not even aware that a delinquency report was being prepared, which proves my intent as a responsible customer to fulfill my obligations regardless of credit reporting pressure. To further demonstrate my financial responsibility, I also paid off my other XXXX account ( XXXX XXXX # XXXX ) in full on the same day. The bank acknowledged the situation by voluntarily issuing a " Refund of Late Fees '' on XX/XX/year>. Despite waiving the penalty and accepting the payment, the bank has reported a XXXX late mark. I attempted to resolve this with XXXX supervisors on XX/XX/XXXX, but they refused to provide a deletion letter despite the clear inconsistency between the fee refund and the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXXThere was a fraud charge from XXXX XXXX for XXXX. They closed my account and later recharged me for XXXX on my new card Citi (XXXX XXXX XXXX XXXX). They refused to take it off my new card, so I refused to pay them. I called them five times and they said it would be removed today. I called today and they said they refuse to take it off. Thank you, 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 2026-04-27 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
In XX/XX/XXXX, I added an individual as an authorized user on my Apple Card account issued by Goldman Sachs Bank USA. On XX/XX/XXXX, I contacted Apple Card and explicitly requested that the authorized user be removed due to misuse of the account. I revoked all consent for that individual to access or use my account. Multiple representatives acknowledged this request and noted internally that the user was supposed to be removed. Despite this, the authorized user was not removed and remained active, retaining access to the account and associated payment credentials. The individual continued making transactions after XX/XX/XXXX, without my authorization. Between XX/XX/XXXX, and XX/XX/XXXX, a total of approximately {$5800.00} in transactions were made by this individual. These included charges such as rent, retail purchases, utilities, and personal services. I did not authorize any of these transactions. I disputed these charges with Goldman Sachs. The bank initially issued temporary credits, then reversed those credits and denied the disputes, stating the transactions were authorized. In at least one instance, a dispute was incorrectly closed as customer withdrew, which I did not request. I provided supporting documentation, including a consolidated transaction list, merchant-provided fraud confirmation, and police reports documenting unauthorized use. Despite this, the bank continued to deny the disputes without addressing the fact that authorization had already been revoked. Additionally, I was informed by Apple Card representatives that the authorized user remains active on my account, even though I requested removal in XX/XX/XXXX. This contradicts a prior statement made by Goldman Sachs indicating that the user had been removed on XX/XX/XXXX. This issue is not related to merchant error or third-party fraud. It concerns unauthorized use resulting from the banks failure to remove an authorized user after consent was revoked, allowing continued access and transactions. I am seeking correction of these unauthorized charges and review of the banks handling of authorized user removal and dispute investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Midland Credit Management for reporting and attempting to collect on a debt that does not belong to me. Midland Credit Management claims to have purchased or acquired an account related to a credit card that is unauthorized, unrecognized, inaccurate, and invalid. I dispute this debt in its entirety. I never opened this account, I never authorized it, and I have no legal obligation tied to it. Since becoming aware of this account, I have made multiple attempts to get clear and accurate information from Midland Credit Management. Despite my efforts, I have not received : Proof that this debt actually belongs to me ; Documentation showing Midland Credit Managements legal right to collect on this account ; Any signed agreement, contract, or application in my name ; A complete account history from the original creditor Written correspondence mailed to my physical address, even though I have requested this several times ; Simply put, I have received no real validation, no clarity, and no proof. What is most concerning is that while failing to provide verification, Midland Credit Management has continued to report this trade line on my credit report, which is causing ongoing harm. Reporting information that has not been properly verified especially while a dispute is active is unacceptable. This conduct violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). A debt collector does not have the right to report or collect on a debt unless it can be properly validated. To date, that has not happened. I am an informed and responsible consumer, and I am fully aware of my rights. I have been patient and cooperative in asking for documentation, but I have reached a point where continuing to report a debt that has not been proven to belong to me is simply not acceptable. I am submitting this complaint through the Consumer Financial Protection Bureau because Midland Credit Management has failed to resolve this matter directly or provide the validation required by law. If this issue is not corrected promptly, I am prepared to pursue further action, including seeking legal guidance, to protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I applied to an apartment complex on XX/XX/XXXX. There was an ad running that stated we receive the application fee back to our account once we get approved. Me, my partner, and co signer were all approved. They both received their money within the week. I never received mine so I repeatedly called XXXX, with no answer. I took to the chat to request assistance and they just opened a dispute even though that isnt what I asked for. Now, it has been over three weeks with no update, they continue to tell me I have to just wait and they cant connect me with the account specialist and then cancelled my dispute with no communication. I am disgusted by their predatory and thieving tactics and want my {$110.00}, and then want my XXXX account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
I received an invoice saying XXXX XXXX XXXX XXXX were going to remove the debt off my credit XX/XX/XXXX of XXXX previously reached an agreement with the creditor to pay the account in full in exchange for its removal from my credit report. The account has since been paid as agreed, and I also received written confirmation stating that the account would be removed. However, I have not yet seen this update reflected on my credit report. I am requesting that the agreed-upon removal be completed promptly in accordance with the agreement and supporting documentation provided. I have supporting documents I can include. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: WI

Complaint narrative:
Iam filing a complaint regarding an unauthorized electronic funds transfer resulting from an account takeover and social engineering scam. My financial institution incorrectly classified this transaction as authorized despite clear evidence of fraud. What happened On XX/XX/2026, I was targeted in a social engineering scam involving impersonation of XXXX XXXX customer support. I located what appeared to be an official customer service number online related to a supposed XXXX XXXX settlement. I called this number believing it was legitimate. The individuals I spoke with impersonated support representatives and instructed me to install remote access software, specifically XXXX XXXX. I was deceived into installing this software under the belief it was required to process or verify settlement funds. Once installed, the third party gained remote access to my device without my informed consent. Unauthorized transactions While my device was under remote control : {$1600.00} was transferred from my Chime account to XXXX XXXX The funds were then used to purchase XXXX The XXXX was subsequently sold during the same compromised session All transactions occurred without my authorization or informed consent I discovered the fraudulent activity within minutes and immediately reported the issue to both Chime and XXXX XXXX. Despite this, my claim has been denied and/or misclassified as an authorized transaction. I also contacted the police. This was not a voluntary or knowingly authorized transfer. The transaction occurred during an active account takeover resulting from : impersonation of financial institution support social engineering deception remote access control of my device Any authentication ( including biometric approval ) occurred while my device was compromised and does not represent informed consent. My financial institution has repeatedly denied my claim, classifying the transaction as authorized despite evidence of fraud, remote access compromise, and immediate reporting. I believe this classification is incorrect under unauthorized electronic funds transfer protections. This incident involved impersonation fraud, social engineering, and remote access compromise, not user-initiated payment behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Hyundai Motor Finance sold me a defective vehicle, a XXXX XXXX XXXX XXXX, that has raised serious safety concerns. In less than XXXX months of ownership, the vehicle has already had XXXX recalls. Because of these repeated issues, I no longer feel safe driving this vehicle. I attempted to resolve the matter fairly by asking XXXX to buy the vehicle back, but they refused. Since XXXX is also the original lender, I am requesting that they repossess the vehicle and remove the loan obligation from my name due to selling an unsafe vehicle and failing to properly resolve the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
This is a follow-up to my existing complaint ( ID XXXX ). On XX/XX/year>, I met with XXXX XXXX ( XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX ). She stated she is unable to provide any written or verbal explanation for the closure of my account, claiming the decision was not hers and she was not given any details. She confirmed the decision originated from someone above her level. On XX/XX/year>, I sent a formal demand to Old Nationals Legal Department requesting they immediately reopen and support my remaining ~ {$11000.00} in XXXX XXXX disputes. I have received no substantive response. The closure of my account while these disputes were still open has made it impossible to resolve them. I am requesting CFPB assistance in forcing Old National Bank to reopen and fully support my remaining XXXX disputes and provide a written explanation for the account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX XXXX transactions were made but not by me ive explained that I hadnt given information, and the accounts transferred to are unknown to me.The charges being {$400.00} on XX/XX/XXXX and two {$350.00} charges on the XXXX totaling to {$1100.00}. Ive tried to follow their steps for fraudulent charges such as request money back and call chime representatives to change my account password and info, Ive opened an investigation as soon as I seen the discrepancy in my statement on the XXXX and the next day it was closed with a denial and an email saying there was nothing strange about the transactions.

Company response to consumer: Closed with explanation