vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Frustrating experience with Remitly especially for business users. Heres what happened : XX/XX/year> " XXXX USD They advertise a new-user promotional rate, but after signing up, I was told Im not eligible because they couldnt text my phone even though XXXX texts worked just fine. the just bait customers like this. I proceeded anyway and initiated a XXXX XXXX business transfer ( to a well-known sporting goods company ). After days of delays and document verification, it was approved only to be put on hold AGAIN days later. This time, they claimed their partner bank rejected the transfer and suggested I send to a personal account or switch to cash pickup. Seriously? For a legitimate XXXX transaction? Support ( including a supervisor ) repeated the same unacceptable options with no real resolution. My funds were held for XXXX days- with XXXX accountability. When I asked the supervisor for basic identification, they refused citing security, yet expected full personal details from me. The most concerning part : when I informed the supervisor I would record the conversation and asked her to repeat her statement, she suddenly went silent for a few moments and then pretended she couldnt hear me ( Hello sir, I cant hear you ). Completely unprofessional and felt like deliberate avoidance. The experience felt inconsistent, unprofessional, and concerning especially for financial transactions. Reference # : XXXX # Remitly # CustomerExperience # Fintech # BusinessPayments # InternationalTransfers # XXXX # Payments # Finance # CustomerService # TrustMatters # GlobalBusiness # Entrepreneurship # ServiceFailure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX Discover credit card approved through a student referral while I was a full-time student. XX/XX/XXXX- XX/XX/XXXX I traveled to XXXX for winter break. While abroad, I opened the Discover app to make my monthly payment and discovered that my account had been closed without any prior phone call, email, or document explaining the reason. After the account closure, many app features were restricted, and even making a payment required pressing the payment option multiple times to initiate and confirm the transaction. XX/XX/XXXX I returned to the XXXX and contacted Discover ; I was told the account was closed due to insufficient information. XXXX XXXX I repeatedly tried to resolve the issue, thinking there might be an error related to my SSN, but I received no clear assistance from Discover. XX/XX/XXXX Due to app issues and payment processing confusion, a payment I believed had been made was recorded as a late payment. I contacted Discover to resolve the issue and understand why the account had been closed. I later sent an email requesting clarification on the account closure but have not received a response even after several weeks. I requested a goodwill adjustment for this single late payment because the account closure and restricted access made managing payments difficult and significantly affected my credit score. Discover responded that they could not make a goodwill adjustment and would continue reporting the late payment. XXXX submitted a cfpb complaint, closed the complaint saying that I did not submit the complaint and they have no one named XXXX XXXX XXXX in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis 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 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Nelnet for inaccurate tracking of my student loan payments. I have been in repayment since XXXX yet only approximately XXXX years are credited toward forgiveness. XXXX XXXX XXXX records indicate loan payment count but it is not accurate. This discrepancy has caused financial harm by extending my repayment timeline and increasing interest accrual. I am requesting a full audit, correction of my payment count, and written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: OK

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 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint to demand reimbursement or credit of {$96.00} in rewards value earned through the Shop Your Way credit card program previously issued by Citibank. The rewards points at issue were earned through purchases made on a Citibank-issued Shop Your Way credit card while Citibank was sponsoring and administering the program. On XX/XX/year>, I redeemed {$96.00} in points for a virtual Debit Visa card through the Shop Your Way program. At the time of redemption, I was not clearly informed that the virtual debit card would expire within XXXX months. This material limitation was not clearly and conspicuously disclosed. As a result, the full value of {$96.00} was forfeited. Because these rewards were earned through a Citibank credit card program and subsequently converted into a financial instrument labeled as a Debit Visa card, I reasonably relied on the expectation that the value would function similarly to a prepaid debit product or cash equivalent. The undisclosed expiration resulted in a loss of funds and constitutes a failure of transparency in a rewards program tied to a regulated credit card. Even if the Shop Your Way program has since transitioned to a different structure, Citibank remains responsible for ensuring that rewards earned under its card program are not subject to misleading or inadequately disclosed forfeiture conditions upon redemption. Accordingly, I request that Citibank : Credit {$96.00} to my account ( or issue equivalent reimbursement ) ; or Work with the program administrator to reinstate the lost value.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am filing a complaint regarding an account reported by Synchrony Bank XXXX XXXX XXXX in the amount of {$290.00}. I have made multiple written requests for verification and clarification regarding this account and have not received any meaningful response. Timeline : XX/XX/XXXX Initial written request for IRS Form XXXX and account clarification XX/XX/XXXX Second request sent via certified mail XX/XX/XXXX Final written demand sent via certified mail Despite these repeated attempts, Synchrony Bank has failed to respond or provide any documentation. Key issues : The account is being reported as charged off without proper verification I do not acknowledge or recognize this account There is a possibility of unauthorized use or identity-related issues No documentation has been provided to confirm that I opened or authorized this account The company has failed to conduct a reasonable investigation This raises serious concerns under the Fair Credit Reporting Act ( FCRA 623 ), which requires furnishers to report only accurate and verifiable information. See attached documentation showing inconsistent reporting across bureaus. Requested Resolution : Conduct a proper investigation Provide documentation proving I am responsible for this account Delete the account if it can not be verified

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 2026-03-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year> {$290.00} was fraudulently charge to 3 of my credit cards. AMEX ( 1 of the 3 ) has failed to complete any due diligence and attempted to make me responsible for the charges. I disputed the charge stating it was fraud, they did nothing. The stated it was a " chip '' charge and that I was responsible. From my initial notification I offered video and GPS data along with police and merchant case numbers to assist. I was told the fraud team would contact me. The AMEX Fraud team never contacted me, and AMEX said looks like this was done in person at the store, so I was responsible. I then again called and insisted to speak to the fraud team. I asked what investigation they did, answer of course, NONE! They simply validated the charge type. Then after I had to educate the fraud team that credit cards can be cloned and used in person, I was asked if I was sure I wanted the fraud to be investigated since it was an in-person charge and I still had possession of the card? I reminded AMEX yet again for the second or third time, I have XXXX XXXX footage and GPS evidence that I was over 8 miles away when the " in-person '' charge was made. Then at my insistence provided police report and store investigation numbers since they still seem to have no desire to do anything. This card charges {$590.00} as an annual fee, I'm a clear victim of fraud and they express no interest or willingness to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Messerli & Kramer P.A.
State: OH

Complaint narrative:
They filed against me in court my wages were garnished my work took XXXX out of my checks ending that in XX/XX/XXXX and sent the company their money. I am still trying to get a release from them. I finally spoke to someone at Messerli and Kramer as XXXX XXXX XXXX XXXX stated they moved it to there, and that I owed {$150.00} still. I said no one notified me. I paid by bank card and {$150.00} has came out of my account already and the lady stated they will not give me a release for 21 days. I am working with my mortgage company and need that. They have held up a process for over 7 months after getting their money. Not sure where the {$150.00} came from. When I called XX/XX/XXXX at XXXX XXXX The lady said there is nothing I can do about and its my opinion I did get a supervisor name from her XXXX XXXX XXXX The above complaint was closed I still have no release since have called XXXX and Messerli and Kramer several times as recent as today messerli & kramer XXXX spoke to XXXX XXXX XXXX XXXXreports can not speak to or give me any information on account supervisor - XXXX XXXX XXXXinstructed to call Messerli spoke to XXXX -thats how it goes- called XXXX again XXXX requested to speak supervisor XXXX XXXX XXXX supervisor XXXX XXXX XXXX spoke to Boss - XXXX XXXX - located in XXXX consumer report team reports she sees payment was made on XX/XX/XXXX notifying - system issue emailing law firm with internal communication called law firm with XXXX from XXXX to XXXX at Messerli- located in XXXX XXXX XXXX told XXXX payment of {$150.00} was received on XX/XX/XXXX and she would be sending internal email XXXX confirmed email stated release could be emailed once their notified and lawyer looks over XXXX spoke to XXXX had to remind of notes from last week with XXXX reports he sees those notes from XXXX put on hold for 12 mins stating let me get this closed out - got back on line reports he sees nothing from XXXX and will not provide release

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding unauthorized fraudulent charges on my credit card account. I discovered a large charge of {$2400.00} that I did not authorize. This transaction occurred in a different state where I do not live ( XXXX ), and I do not know anyone in that location. I have maintained possession of my physical credit cards at all times. I promptly reported the charges once I became aware of the charge. However, Capital One denied my fraud claim, stating that the charges were outside of their 118-day reporting window. This transaction is clearly fraudulent and not legitimate purchases made by me. This situation involves unauthorized use of my account, not a billing dispute. Under federal consumer protection laws, I should not be held responsible for fraudulent charges that I did not authorize. Other credit card companies involved in similar fraudulent activity on my accounts have already removed the charges after investigation, further supporting that this was fraud. I am requesting that Capital One : 1. Reopen and reinvestigate this case as fraud 2. Remove the unauthorized charges permanently 3. Provide written confirmation that I am not responsible for these charges I am also requesting a detailed explanation of why these charges were not treated as fraud despite clear indicators. This issue is causing financial hardship and stress, and I am seeking a prompt and fair resolution. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OR

Complaint narrative:
my online access got disabled by the bank and I am not able to access my money. I've tried to call in several times to verify myself but they won't give 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diverse Funding Associates LLC
State: TN

Complaint narrative:
XXXX I sent this letter to D N F Associates requesting a copy of the 1099c form, and a validation of debt, and assignment letter. the company has failed to send the requested information.

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified debt reporting by National Credit Systems. Within a short period of time, this company reported two separate collection amounts originating from the same account ( a joint lease held by me and my husband ). The first amount ( approximately {$1000.00} ) was reported on both of our credit reports. I disputed this account and provided evidence, and the company determined that the debt was not owed. Shortly thereafter, a second, larger amount ( {$2700.00} ) from the same account was reported. When I disputed this second amount, the company claimed that it is owed but has failed to provide any validation or supporting documentation despite multiple requests. They have not provided me with any documentation detailing where exactly these changes come from. The apartment tried to evict us after we had already left. Additionally : * The second debt originates from the same account as the first, previously resolved dispute * The company has not explained the difference in amounts * The account is now being reported only on my credit report, despite the lease being joint * The company continues to verify the debt with XXXX but does not respond to my direct validation requests I am requesting : 1. Full validation of this alleged debt, including lease agreement, itemized charges, and accounting history 2. Explanation of how two different balances were reported from the same account 3. Immediate deletion of this account if validation can not be provided This conduct raises concerns regarding accuracy, verification, and compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am submitting a formal complaint against XXXX regarding my account ( credit limit {$1000.00} ), which is currently overdrawn by {$200.00} due to unauthorized charges. Previously, I filed a dispute with Fortiva, but they closed it without providing any evidence, explanation, or documentation to justify their decision. Because of this, I am incurring late fees and my account has exceeded the credit limit, causing significant financial stress. XXXX has refused to provide the requested information regarding the closure of my dispute. I am requesting CFPB assistance in investigating this matter and ensuring XXXX provides a fair resolution, including removal of unauthorized charges and related fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I entered into a financing agreement through Bread Financial for purchases made at XXXX XXXX XXXX under a 0 % APR installment loan with a term of XXXX months. Following a partial refund processed by The XXXX XXXX, Bread Financial unilaterally modified my loan terms without my knowledge or consent. Specifically, XXXX of my loans ( Loan # XXXX ) was changed from the original XXXX term to a XXXX term with a monthly payment of {$110.00} and a total balance of {$4700.00}. Bread Financial stated that this change was due to the refund. However, per the XXXX XXXX XXXX, the Adjustments clause only allows for a reduction of the loan balance and does not authorize any change to the loan duration or structure. I did not request, approve, or authorize any modification to the loan term. I have requested that Bread Financial provide documentation showing where I agreed to this change, as well as the specific clause in the agreement that permits such modification. They have not provided any such documentation. Instead of correcting the issue, Bread Financial attempted to offer new loan terms rather than restoring the original agreement. I have made multiple attempts to resolve this directly with the company, but they have refused to restore the original XXXX term. I am requesting : Restoration of the original loan terms ( XXXX months at 0 % XXXX ) with adjusted balance reflecting the refund Documentation showing any authorization for the modification ( if it exists ) A full explanation of why the loan was altered without consent This appears to be an unauthorized modification of a financial agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: VA

Complaint narrative:
My brother and I set up this account earlier this month as a repository for funds from our deceased father 's estate. I successfully linked another account that I own ( XXXX ) and tried to transfer funds to cover funeral expenses. Without notice, my brother and I were both locked out of our account with no call, no email and no explanation. When I finally got through to the company by phone ( 20 minute hold time ), I was told that the account was locked due to a fraud flag ( again, no notification ). I was directed to come into a branch and present a picture ID to reinstate the account. There are no branches near me in Virginia and I requested an exception to the policy. 5 days later, I still have not heard back and am still locked out of my account. Have been an XXXX XXXX XXXX for a major financial company, I understand the need for fraud controls. However, in my opinion ( and experience ), Huntington Bank 's practices are unfair and abusive. They have essentially cut me off from funds in a time of need with little regard for the customer. If I can ever actually get ahold of them, I intend to transfer all of my funds to a more reputable institution.

Company response to consumer: Closed with non-monetary relief