vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing a complaint regarding Citis handling of a disputed credit card transaction involving the purchase of herbal/medicinal products in XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$550.00} on XX/XX/year>. The dispute was filed under Citi XXXX XXXX XXXX XXXX. I disp uted the charge because I believe the merchant engaged in deceptive and unfair business practices, including misrepresentation of the products, possible counterfeit goods, and charging an amount that was not properly disclosed during the sales process. During the transaction, I believe I was pressured into purchasing products represented as legitimate medicinal goods. After the purchase, I became concerned that the products may not have been authentic and that the pricing was grossly inflated compared to what was represented at the time of sale. I promptly contacted Citi and disputed the transaction. Citi acknowledged receipt of the dispute and later acknowledged receiving additional documentation from me on XX/XX/year>. I provided supporting information, including a physician letter from my treating doctor stating that there were substantial concerns regarding the authenticity and safety of the products and advising that I should not use them because they could present a health risk if counterfeit or misrepresented. Despite this supporting documentation, Citi denied the dispute on XX/XX/year> and reversed the conditional credit previously issued to my account. Citi did not provide meaningful evidence supporting its decision. Instead, I received only a brief letter stating that the documentation or facts provided do not support the billing error dispute claim without providing the merchants response, supporting transaction documentation, or any explanation demonstrating how the investigation was conducted. I believe Citi failed to conduct a reasonable investigation into my billing dispute. The fact that I submitted medical documentation supporting concerns about counterfeit or materially misrepresented medicinal products appears to have been disregarded entirely. I do not believe Citi adequately considered the evidence provided or explained why it was rejected. I believe this handling may not comply with the Fair Credit Billing Act ( FCBA ) and Regulation Z, which require credit card issuers to conduct a reasonable investigation of billing disputes and explain the results of the investigation. I am seeking regulatory review of Citis dispute handling process, transparency, and compliance with consumer protection requirements relating to disputed credit card transactions involving potentially counterfeit or materially misrepresented goods.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive been a Citibank customer for over XXXX years, and now Citibank has closed my account and referred my balances to a collection agency. On XX/XX/XXXX, I attempted to withdraw {$1200.00} from a Citibank ATM. The ATM did not dispense the full amount of cash, but my account was still debited for the full {$1200.00}. I immediately reported the issue to Citibank and filed an official dispute on XX/XX/XXXX they provided an provisona credit and After their investigation, Citibank denied my claim, stating that their ATM showed no discrepancy. And debited my account {$1200.00} putting my account negative However, Citibank has not provided any documentation, audit logs, or proof showing that the full amount was dispensed to me. The latest letter from them says that {$370.00} was not dispensed by the atm but the rest of the money was leaving me with a balance of {$850.00} which I never received from the ATM. As stated before I never received the money from the atm. Also Citibank refuses to show proof of how they got this numbers. Now as a result they have closed my account and referred my balances to a collection agency which can ruin my credit. I also visited a Citibank branch in person, but I was advised only to re-dispute the charge without receiving any explanation or evidence regarding the ATM review. I believe Citibank did not conduct a reasonable or transparent investigation and failed to protect me as a consumer. I am requesting a proper review of the ATM transaction, access to the investigation details, and reimbursement of the missing funds. I am filing this complaint because Citibank has refused to resolve the issue despite my good-faith efforts.

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 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC is reporting a collection account on my credit report even thought i have never entered into contact with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Re : Citi Bank failure to honour advertised XXXX mile bonus offer. I applied through a public XXXX mile promotional offer, was approved for the account and completed the required spending in accordance to the terms of that offer. Despite fulfilling the requirements. Citibank has not awarded the bonus. I applied and incurred the spending in good faith. If Citi Bank felt that I am not eligible for the offer, they should have highlighted or denied my application at that time.

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 2026-05-22 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:
I state that I have tried correcting information on my credit report with no success. The agency has failed to provide any information regarding my disputes and do not fully investigate and does not provide method of verification for the accounts.

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 2026-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Block, Inc.
State: MS

Complaint narrative:
XX/XX/year> .. I had XXXX deposits to go to cashapp and they declined my payments for the amounts of XXXX XXXX and XXXX .. and taking they time sending it back to the government

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am a XXXX citizen, retiree, and small business owner filing this complaint against PayPal , Inc. due to an ongoing account suspension that has completely cut off my sole source of income and disrupted my business for the past 9 days. I have been a loyal customer for over 23 years ( Email : XXXX, Case ID : XXXX ) with zero history of fraud or chargeback abuse. PayPal is currently freezing and denying me access to my {$6500.00} account balance. It appears their automated AI system erroneously flagged my website for selling legitimate handmade items.I respectfully request immediate human review of my account and the information already submitted. I have fully cooperated with every request made during this review process, including providing business registration documentation, tax records showing my EIN and XXXX for XXXX, corrective actions taken on both websites, and requested guest login credentials XXXX XXXX At this point, all PayPal integrations, payment links, checkout buttons, and PayPal references have been completely removed from both XXXX and XXXX. I have also added public notices and updated website wording in good faith to address PayPals concerns.This limitation is causing severe damage to my operations and immediate personal financial hardship. Customers have been unable to purchase products for several days, and I can not access the {$6500.00} in business funds needed to pay vendors, purchase materials and components, and continue fulfilling customer orders. I request that PayPal immediately assign an executive XXXX XXXX to verify my compliance and fully restore access to my account and funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Resurgent Capital Services and LVNV Funding LLC are reporting a credit card debt on my credit report that they have not validated and can not prove belongs to me. I disputed this account and requested full validation, including : A copy of the original credit card agreement The name of the original creditor Proof of ownership or assignment ( chain of title ) Itemized accounting showing how the balance was calculated The date of first delinquency Proof they have the legal right to collect or report the debt I did not receive any of this information. Despite failing to validate the debt, Resurgent/LVNV continues to report the account to the credit bureaus, which is causing inaccurate and harmful information to appear on my credit report. Because they have not provided any documentation proving this debt is mine, they are attempting to collect and report a debt that is not owed. I am requesting CFPB assistance because the company has not responded with the required documentation and continues to furnish unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In my prior CFPB complaint ( submitted XX/XX/year> ), I reported that Citi reduced my credit limit on XX/XX/year> based on inaccurate XXXX information caused by a fraudulent XXXX XXXX XXXX. XXXX completed its investigation on XX/XX/year> and deleted the tradeline, restoring my score to XXXX with no derogatory information. Citi did not reconsider the adverse action during the prior complaint. After the CFPB closed that complaint, I submitted a full written reconsideration request to Citi on XX/XX/year>. Citi received it via certified mail on XX/XX/year>. On XX/XX/year>, I also sent a Final Written Notice requiring that all communications remain in writing for documentation and accuracy. Despite receiving complete documentation and a writtenonly requirement, Citi did not conduct a reconsideration. Instead, on XX/XX/year>, Citi sent a form letter stating that they were unable to approve your request to increase the credit limit because income and/or mortgage/rent information was not provided. I did not request a new credit limit increase. I requested a written reconsideration of the XX/XX/XXXX adverse action based on corrected credit data. XXXX XX/XX/XXXX letter did not address the inaccurate information used in the XX/XX/XXXX decision, did not review the corrected XXXX file, and did not reconsider the adverse action. The letter also stated that Citi can not take this information in writing and must speak with you, which contradicts my writtenonly requirement and does not satisfy their obligations under the Fair Credit Reporting Act to base adverseaction decisions on accurate information. Citi has now failed twice to conduct a meaningful review : once during the original CFPB complaint, and again after receiving a certified Final Written Notice. The adverse action remains in place without any current creditfile basis.

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 2026-05-22 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: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
At XXXX XX/XX/XXXX, I saw a pending amount of XXXX ach debit on my account. I immediately contacted the fraud dispute number with my Truist bank. The woman immediately opened a dispute claim showing it was a merchant with an instacash company unauthorized transaction and cancelled my debit card. I was advised that funds would be placed back in my account XXXX to XXXX days after it posts to account. Funds have not been returned. I have contacted dispute department daily and it still has not been assigned to anyone. I spoke to XXXX on XX/XX/XXXX with dispute department and he was suppose to escalate claim due that I lost my apartment to move in due to lack of funds and utilities are past due. I called today and claim still has not been assigned. I also contacted local branch in XXXX XXXX, KY with no assistance. I have not had success with Truist and this has caused a loss of new home and delinquent bills.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AL

Complaint narrative:
On XX/XX/year>, Wise closed my account. On XX/XX/year>, Wise attempted to return my remaining balance to my bank account. However, my bank did not accept transfers from Wise, so the refund was returned back to Wise. On XX/XX/year>, I submitted a complaint to Wise requesting that they resend my funds to a different bank account. As of tonight, XX/XX/year>, I still have not received any response, update, or resolution from Wise regarding my money. I am very concerned because my funds are still being held without any clear communication or timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I called Capital One with my XXXX phone number on XX/XX/year>, to try to login to my account and to obtain a new debit card, since my old one was canceled ( I did not cancel it, and it was not supposed to expire until XX/XX/year>XXXX ). Every method of verifying my identity that they " offer '' is the same - only through a US phone number, which I no longer have. They also refuse to send me a new card to my international address and wouldn't issue a virtual card, nor would I be able to use it, because of their discrimination against expats and travelers without US phone numbers/ SIMs. I'm stuck in XXXX, with no access to my funds, and no way to pay for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Attached is a XX/XX/year> SPS Trial Modification packet confirming in writing that SPS pre-approved me for a Trial Mortgage Assistance Plan and stated that foreclosure proceedings would not start or continue while timely Trial Modification payments are being made. The SPS packet also provides written Trial Modification payment instructions and confirms SPS continues actively discussing mortgage assistance and foreclosure alternatives while foreclosure-related disputes, regulatory complaints, and servicing issues remain unresolved. This supplemental evidence further supports my dispute regarding SPSs servicing conduct, contradictory foreclosure activity, disputed foreclosure-related fees, legal fees, inspection fees, penalties, servicer advances, foreclosure costs, payment handling, and active foreclosure activity during the loss mitigation and Trial Modification process. Recent SPS monthly mortgage statements also show foreclosure-related charges and FC COSTS continuing to increase during active Trial Modification review and pending regulatory complaints. In addition, SPS successfully confirmed receipt of my supplemental evidence uploads through its online portal on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: TX

Complaint narrative:
XXXX Debt Collector : Right email address on file? Click XXXX or call XXXX. State disclosures : XXXX Reply STOP to opt out

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Yesterday, Wed, XX/XX/XXXX, I called to report 3 unauthorized charges to my debit card which resulted in that card being cancelled. The representative who assisted me told me to call back to order a new debit card because she wasnt able to get it ordered for me and it would be XXXX to me overnight. This morning I called to order a new card and the stupid AI IVR system ordered it for me but told me it was going to arrive in 5-10 business days. I then got a rep on the phone who told me there was no way to fix or undo the order the stupid AI IVR incorrectly placed and I would have to wait the 5-10 business days. I explained that is NOT acceptable as Discover is my ONLY active financial institution and without a working debit card I essentially have NO WAY to pay for things, including my power bill which is due soon and will shut off if it is not paid. She wasnt completely unhelpful so I demanded to speak with a supervisor who was just as unhelpful. I can not believe that any company would empower an AI to make errors and actual PERSON can not correct! This is completely unacceptable and should NOT be legal. Discover Bank has, essentially left me without any access to MY funds while they twiddle their thumbs and take 5-10 business days to send me a new debit card! I am so furious! Ive been with Discover for years and used to think they were great and cared about their account holders but am discovering that they are just a massive uncaring bank that puts policies above people and doesnt empower their people to fix their mistakes! I am filing this complaint so the CFPB is aware they they have cut me off from access to MY funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A collection account is being reported with an original balance of {$970.00} and a current balance of {$620.00}. I disputed the accuracy of the reported balance and requested validation, including itemized charges, payment history, proof of joint liability, and documentation showing legal authority to collect the debt. In XX/XX/year>, I mailed a certified validation request to the company, but the letter was returned marked unclaimed and unable to forward. Despite this, the company continues updating and reporting the account to the credit bureaus without providing the requested documentation. I am requesting investigation and removal of unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am filing a complaint regarding the servicing of my federal student loans and the circumstances surrounding the school I attended. I enrolled in a paralegal program based on representations that the school was reputable, that the program would prepare me for employment in the legal field, and that career services would assist graduates in obtaining jobs after completion. I was also led to believe that the education would provide meaningful career opportunities and value after graduation. After completing the program, I was unable to obtain employment in the paralegal field, and I did not receive the level of job placement assistance that was represented to me during enrollment. Additionally, the school later ceased operating in its original form/closed or merged, which further affected the value and credibility of the education I received. My loans were later serviced by MOHELA, and I experienced confusion regarding my loan servicing, repayment obligations, and account management after the transfer. I did not clearly understand or consent to changes in servicing terms, and communication regarding my account has been unclear at times. These combined issuesthe failure of the school to deliver the promised career outcomes and the lack of clarity in loan servicinghave caused financial stress and hardship. I am requesting a full review of my account for errors, clarification of my loan history and servicing transfers, and consideration of any available relief options or corrections that may apply.

Company response to consumer: Untimely response