vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I was informed my Wells Fargo Legal team that I was sued by XXXX XXXX XXXX XXXX. I was told to contact my district court to overturn the dispute. Money was already taken out of my XXXX  account as they are the third party because my name is associated with this accounts. I contacted my district court and was told that the person being sued has a different middle and last name. I called back to Wells Fargo Legal team and told them to go back and look at the middle and last name on the legal documents that were sent to them. The verified and the names did not match.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am submitting this complaint regarding Citibank , N.A . ( CBNA ) and its continued reporting of inaccurate and unverified information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). 

I disputed the CBNA credit card account ending in # XXXX after Citibank was provided with documentation and context related to a documented financial loss event. Despite this, the dispute was closed within approximately three days with no substantive changes, indicating that no reasonable or manual investigation was conducted.

Citibank continues to report charge-off status, paid in settlement, written off, and adverse payment history codes, along with discretionary narrative comments such as consumer disagrees, even though the account reflects a {$0.00} balance and Citibank has acknowledged the dispute and underlying circumstances.

The rapid closure of the dispute strongly suggests automated verification rather than a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ). Citibank failed to review all relevant information provided and continues to furnish data that is incomplete, misleading, and inconsistent across consumer reporting agencies.

Additionally, Citibank has failed to respond substantively to follow-up communications sent by fax and written correspondence, leaving inaccurate derogatory information active on my credit file

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: COLLECTION ASSOCIATES, LTD.
State: MI

Complaint narrative:
on XX/XX/year> at XXXX EST : My phone was being called from the number XXXX My cousin had picked up my phone, and the person on the other end stated that they were looking for a person with my name and then proceeded to give them my date of birth. The debt collector was immediately told that this was personal information and that a compliant would be placed. Call was ended at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: IA

Complaint narrative:
XXXX XXXX my wife was hit by a car as she was walking across a parking lot. She was airlifted to a hospital and spent several weeks hospitalized. After our attorney settled with the other parties insurance we assumed all the bills had been paid. However, there was one bill overlooked. When this was brought to my attention about 10 months later, I resubmitted the bill to my health insurance company on appeal requesting it be covered. Because the appeal was taking several months, the bill was sent to collection by XXXX XXXX XXXX. When the collection company, Revco, contacted me I explained the bill was being reviewed by my insurance company but they implied that I may be delaying with this explanation and said if I didn't set-up a payment plan with them they would pursue further measures. Although I found this insulting, I agreed because I'm proud of my XXXX XXXX and didn't want a ding to it. On XXXX XXXX I paid Revco {$230.00}, on XXXX XXXX I paid Revco {$350.00} and on XXXX XXXX I paid Revco {$350.00}. The {$930.00} was the total amount of the bill with XXXX XXXX. Then on or about XXXX XXXX I received a statement from XXXX stating that the appeal had been approved and the bill for XXXX XXXX had been paid by them ( XXXX ). Needless to say, I contacted Revco and informed them the bill had been paid by XXXX and asked that Revco refund my {$930.00}. The Revco representative told me they don't do refunds and that I would need to get my money from somewhere else! First they pressured me into making payments when they had been informed it was under review by my insurance and once the insurance paid the bill Revco refused to give my money back! Please help, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Account frozen since XX/XX/year>, over 70 days as of today and they won't return my funds to me ( over {$480.00} ). No explanation whatsoever. 
Can't use the account, can't access online, can't use debit card. Permanently frozen, and yet they still charge me account maintenance fee every month. 
I've provided everything they asked for, no reply no folow up from their side. 
Please, help me get my money back! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I HAVE A LOAN SECURED BY MY VEHICLE. I TOOK OUT INSURANCE IN CASE I AM OUT OF A JOB. I HAVE BEEN OUT OF A JOB SINCE XX/XX/year>. I FILED A CLAIM WITH THE COMPANY. THE COMPANY XXXX XXXX. CO SAYS I HAVE HAVE TO BE REGISTERED WITH MY STATE UNEMPLOYMENT OFFICE IN ORDER TO MY CLAIM TO BE PAID. I AM REGISTERED, AND CONTINUES TO BE REGISTERED. I SHOWED THEM PROOF. BUT THEY SEND ME A LETTER REQUESTING THE SAME THING EVERY MONTH. NOW THEY SAY I HAVE TO SHOW THAT I AM RECEIVING FUNDS FROM UNEMPLOYMENT LIKE A CHECK STUB OR BANK STATEMENT. I HAVE NOT RECEIVED ANY FUNDS AS UNEMPLOYMENT FLORIDA SAYS I WAS PREVIOUSLY OVERPAID IN PANDEMIC ERA. HOWEVER, I HAVE TO FILE THE FIVE ( 5 ) JOB SEARCH EVERY WEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
Hello, I am writing to file a complaint about predatory personal loans. 

I live in California. I received installment personal loans from lenders is name credit Ninja charging extremely high interest rates, more than 179 %. my loan amount financed {$2900.00} and a monthly payment {$450.00} for 18 month and The amount I will have paid after I have made all payments scheduled {$8100.00}. This payment are very difficult for me to afford. 

I did not fully understand the loan contract when I signed them because my English is limited. The terms were not clearly explained to me. I believe I was taken advantage of.

The lenders are not reporting these loans to my credit report. My credit history is otherwise excellent. I believe the lenders may be avoiding credit reporting because the loans may be illegal under California law.

I am concerned about : Extremely high and unfair interest rates Contracts I did not understand due to language barrier Possible unlicensed or illegal lending practices Financial hardship caused by This loan. 
I am requesting the CFPB to investigate these lenders and help protect my consumer rights. 

My information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
Phone : XXXX Email : 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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Square for holding my business funds without a clear, consistent, or legally supported explanation. 
My business account with Square was deactivated on or about XX/XX/XXXX, and Square placed a hold on funds totaling approximately {$20000.00}. They did a hold for XXXX  days which was up XX/XX/XXXX. Then they proceeded to email me that there was an additional XXXX  day hold sent to me XX/XX/XXXX. At first, Square told me that the XXXX hold was due to chargebacks and disputes. Later, Square changed its explanation and stated that the XXXX hold is required by XXXX XXXX and XXXX XXXX. 
I have repeatedly requested : Confirmation of any actual chargebacks or disputes ; and A citation to the specific law, regulation, cardnetwork rule, or contractual provision that requires this additional XXXX hold. 
XXXX has not provided this information and has not given a clear or consistent reason for the hold. The shifting explanations and lack of transparency feel deceptive and unfair. The held amount is significant for my business, and this is harming my ability to operate and meet obligations. 
I am requesting that the CFPB : Review Squares conduct in holding my funds ; Require Square to provide a clear, written explanation and legal/contractual basis for the hold ; and Require Square to release my funds if no valid basis exists. 
Business name : XXXX XXXX XXXX Your name : XXXX XXXX Contact information : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a formal complaint regarding funds that remain unpaid to me following the closure of my BMO bank account. 

Account information : Name : XXXX XXXX Closed Account Ending : * XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX BMO closed my account and informed me that a cashiers check for the remaining balance was issued in XXXX. I never received this check. After reporting this, the bank acknowledged the issue and sent me stop-payment and reissuance documents. 

I completed all required forms, had them notarized as instructed, and returned them over a month ago. Despite this : I have visited multiple BMO branches I have spent hours on the phone with customer service I have been transferred repeatedly and disconnected No one has provided a status update, check number, or reissue date At this point, BMO has confirmed the funds are mine and that the original check was not received, yet the replacement check has still not been issued. The bank is effectively holding my money without explanation or resolution, despite my full compliance with your required process. 

I am requesting the following immediately : 1. Confirmation that stop-payment on the original cashiers check has been completed 2. Written confirmation of the exact amount owed to me 3. Immediate issuance of a replacement cashiers check ( or alternative payment method ) 4. Written confirmation of when and how the funds will be delivered This matter has now been ongoing for several months and has caused significant inconvenience and stress. If this issue is not resolved promptly, I will continue pursuing resolution through federal regulatory channels. 

Please escalate this matter to the appropriate department and provide a written response as soon as possible. 

Sincerely, 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 monetary relief
Consumer complaint received 2026-01-28 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed a {$3000.00} credit card charge with Navy Federal Credit Union related to merchant YCORP for a bundled service described on the invoice as Website + Ads Setup., as well as a {$390.00} subscription charge. The advertising campaign portion of the service never commenced. 

My complaint concerns how XXXX XXXX handled the dispute, including misclassification, lack of notice, denial of an opportunity to respond to merchant evidence, and premature closure. 

Timeline and XXXX XXXX actions : XX/XX/XXXX : Charge posted for Website + Ads Setup. 
XX/XX/XXXX : I filed a dispute with XXXX XXXX due to non-delivery of services. 
XX/XX/XXXX : XXXX XXXX closed the dispute without clearly informing me whether the merchant had been contacted or whether any merchant response existed, and without giving me an opportunity to respond. 
XXXX XX/XX/XXXX : After I followed up, XXXX XXXX advised me to reframe and resubmit my claim and provide additional documentation. I did so in reliance on that guidance. 
XX/XX/XXXX : XXXX XXXX received a merchant response but did not notify me at that time. 
XX/XX/XXXX : I called XXXX XXXX to check on the status of my case and first learned that a merchant response existed. 
XX/XX/XXXX : XXXX XXXX sent me the merchant response. 
XX/XX/XXXX : XXXX XXXX closed the dispute, giving me no meaningful opportunity to review or respond. 

During this process, I was repeatedly assured that my case was with the correct department and under active review, only to later be told it had been misclassified. Progress appeared to occur primarily when I proactively called to check in. 

The message transmitting the merchant response indicated that XXXX XXXX had already determined the chargeback to be invalid on the basis that the customer received the product or service. This determination was made without addressing the undisputed fact that the advertising campaign a core component of the purchased service never commenced, and without allowing me to respond to the merchants submission. 

As a result, XXXX XXXX handling of the dispute prevented fair participation, meaningful review, and timely notice, despite my repeated efforts to comply with guidance and provide documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
I submitted a Request for Public Service Loan Forgiveness Buyback on XX/XX/year>. Case # XXXX. I have called back twice to try to get a status of my application and an approximate timeline of when I can expect approval of this request. The chat and phone lines for students.gov are so automated that they often prompt you or transfer you to XXXX even though that is not the correct person who services these requests. 

The only response I get is it takes at least XXXX business days for a response, but theres no final time line. That is unacceptable to me.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally bank has not sent me the lien release for a vehicle that has been paid off since XXXX of XXXX, I waited for the lien release. It was never sent, I contacted them in XXXX to send it to me. They said they would. I never received it. Now I can't log into my account with them. Their customer service is beyond terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: ND

Complaint narrative:
Total Visa XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, I paid off account balance of {$52.00}, IN Full and called Total Visa that day to demand that account be closed. The Total Visa representative assured me that day that the account is Closed. 

Now, on XX/XX/XXXX Total Visa is sending email that I owe them a payment. I called Total Visa today to inform them the account was paid in full and closed on XX/XX/XXXX. The representative told me I owe them {$63.00}. 

I told the Total Visa representative if this account is not closed immediately and reported to the Credit Bureaus as paid in full and closed on XX/XX/XXXX at the Consumers request, I will be going to the Court house to file for damages for Predatory Bad Business Practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I was contacted by XXXX XXXX regarding a payday loan from the CashStore. They called my wife saying there was a pending file against me, I got on the phone and they did not disclose the mini XXXX as required in Texas nor told me that they were a debt collector. They proceeded to tell me I had to pay or the file would proceed. They violated state and federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went to a Wells Fargo branch on XX/XX/year> to deposit {$400.00} in cash at the teller window. The teller mistakenly processed the transaction as a withdrawal instead of a deposit. As a result, {$400.00} was taken from my account and the {$400.00} cash I handed over was not credited, causing a total loss of {$800.00} at the time. The branch instructed me to call the back office number and file a claim for the teller error. The branch later reversed the withdrawal on XX/XX/year> but only for the {$400.00} that was taken from my account electronically. I am still missing the {$400.00} cash that was suppose to be credited to my account but instead it wasn't and an additional {$400.00} was " withdrawn '' ( I did not receive any cash ) totaling to {$800.00}. I went to the branch today XX/XX/year> to speak with the branch XXXX who also told me that the issue was resolved. The issue was resolved the for the {$400.00} that was taken from my account but the cash deposit is still missing. She told me that the night of the incident they were over {$400.00} and now since the issue has been resolved, they are back to normal/no overage. Originally, I already had around {$400.00} in my bank account, which means if the error never occurred, I would be at {$800.00}. When I spoke to the XXXX today, I asked her to review camera footage and she told me she does not have access to them. This has been going on for over a week now, and I was told to wait even longer.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Back in XX/XX/XXXX I filed bankruptcy, and of course my car was included with that and they had to return my car, during this time while in active bankruptcy my trustee was making payments to XXXX on my behalf because they were included with the plan. While in a active bankruptcy they charged off my account I found this out in the process of me ended my bankruptcy XX/XX/XXXX, I was told today that they charged it off in XX/XX/XXXX which they werent supposed to do because of the automatic stay. I was notified by the bankruptcy department with. XXXX to contact XXXX in 30 days which then would be XXXX and they instructed me to continue to make payments like i was pre bankruptcy and as long as I did my car wouldnt be repossessed. Well i called in both in XXXX and XXXX and made payments a spoke with an agent and not once was i told I had to pay anything other than my monthly payment. Last night XX/XX/XXXX they repossessed my car said I was behind. I asked how when I followed what they told me. The first agent I got he got snappy and said well you werent paying enough, again never was told a amount. Cant access my online account because it says closed, cant see balance details or anything. They werent even sending me real receipts with balances but I got my bank statements and its shown on their account that I made 2 payments after post bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX {$1000.00} I called the representative I went to branch manager all of them kept saying one more day one more day

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