vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XX/XX/year> I contacted Navy Federal agent via chat through the app to see why my credit card wasn't working with my XXXX XXXX points again, it happens quite often. She put in all caps INSUF FUNDS. Which with my play points I did have enough. I asked again and explained and again in all caps INSUF FUNDS was all they put and then the chat ended and not by my doing. On the XXXX I went on the app to make sure I had locked my card and I had a message about they were going to issue a refund and/or send a card and my credit card was gone! I tried to chat in the app and it wasn't working so I called and the agent didn't want to tell me where the card was being sent at XXXX until I was upset, but she blew me off when I said I didn't authorize this nor would I have my card sent to Michigan when I'm in NC! Then they tried to charge me {$12.00} to expedite a card to me because I am going to be homeless after the XXXX. Finally got a supervisor on and he said since it was a holiday he wouldn't be able to do anything and wasn't sure if he would be able to wave the fee, so I gave him my father 's address if it would be next week before I got it. He then expedited my card to my father 's address!! On XXXX XXXX I called the bank because I had {$800.00} in my savings account and before I touched it I wanted to make sure. The agent asked if I could move it and I could. She made me believe that it was good. The next day I was - {$800.00} in my savings account because oops that was your deposit for my secured credit card and it should not have been anywhere shown in my savings account for me to move around! When I called the bank to work something out because I only get $ XXXX a month in XXXX and will be homeless and need my money to pay for a hotel for myself and my medically fragile child the agent belittled me, talked to me like I was stupid, then told me to hold on and ended the call. This bank will not help me with anything! If their agent hadn't manually entered the Michigan address to send a new card without my consent nor knowledge, none of this would have happened! They have a thief on their payroll and agents who don't care about their customers. I have called almost every day since the XXXX with no help from the bank!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED BANKSHARES, INC.
State: FL

Complaint narrative:
I got a mail that my account was closed but unfortunately I havent received my funds in my mailing address I provided to them in the email .i have XXXX in my reward checking account and XXXX in my savings account but yet still hasnt received my funds and denying me of my funds .I gave them an instruction on how and where to send my remaining funds, but still yet nothing has been received from them and I need my money .They said they would be sending it back to my external account which is credit union and that I should ask my external bank to accept their request to send those funds, but my bank told me they wont receive any funds and my account has been closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am writing to request a review of my customer profile and any internal restrictions that may currently prevent me from opening a personal or business banking relationship with Navy Federal Credit Union. I have been dealing with identity theft issues since XXXX, during the height of the pandemic, when fraudulent activity and account takeovers became increasingly common. During that time, my personal information was compromised and used without my authorization to open accounts, obtain credit, and conduct fraudulent activity across multiple financial institutions. As a result, I have spent years working with banks, law enforcement, credit reporting agencies, XXXX XXXXXXXX, and legal counsel to restore my identity and clear my name. I have substantial documentation supporting my identity theft claims, including FTC XXXX XXXX XXXX, police reports, attorney correspondence, and responses from financial institutions acknowledging the fraud. A police report filed regarding my identity theft specifically references fraudulent accounts and loans opened using my personal information at multiple financial institutions, including XXXX XXXX XXXX XXXX and other lenders, without my authorization. I have also received confirmation from multiple financial institutions that identity theft occurred and that I was not responsible for the fraudulent activity. Most notably, XXXXXXXX XXXX confirmed that XXXX validated my identity theft claim and removed the reporting associated with the account. XXXX further acknowledged the matter and advised that I may apply for new accounts through its standard account opening process. I also possess documentation from XXXXXXXX XXXX XXXX Fraud Department confirming that, after completing its investigation, XXXX XXXX determined I was not financially responsible for fraudulent activity associated with an account opened using my information. At this time, my XXXX and XXXX files have largely been corrected, and I have worked diligently over the last several years to resolve the consequences of this identity theft. My attorney continues to assist me with the remaining matters, and I am prepared to provide any supporting documentation necessary for your review. Because of the steps I have taken and the documentation I possess, I am respectfully requesting that Navy Federal review any internal records, fraud markers, account restrictions, customer notes, or " do not open '' designations that may still exist under my name or Social Security number as a result of this identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/year>, I accidentally made two identical payments of {$2500.00} to my PayPal Credit account, resulting in an overpayment of {$2500.00}. After noticing that my available credit had not been restored and that the excess payment had not been returned, I contacted customer service on XX/XX/year>. During that call, I was informed that payments over {$2500.00} on newer accounts require approximately 15 days to clear. I was further told that the excess payment could either be returned electronically within approximately 12 days or by paper check within approximately 10 days. Based on that information, I elected to receive the refund electronically. I waited based on the information provided. However, after receiving no refund and no restoration of my available credit, I contacted customer service again on XX/XX/year>. During the second call, I was informed that the information provided on XX/XX/XXXX was incorrect. I was told that my available credit would not be restored until approximately XX/XX/year>, that an electronic refund was not available, and that the only method of returning my excess payment was by paper check, which could take up to 15 business days. I also requested written confirmation of the applicable policy and the status of my funds, but customer service declined to provide it. My complaint is not simply that funds were placed on hold. My complaint is that I received materially conflicting information regarding the status of my money, the timing of the refund, and the method by which the refund would be returned. As a result, my excess payment of {$2500.00} has been unavailable to me since XX/XX/year>, and I still do not have a clear written explanation of when or how it will be returned. I am requesting a written explanation of the policy being applied, prompt return of my excess payment, and clarification regarding the conflicting information provided by customer service representatives.

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 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
I received a letter from Citibank stating that my Citibank account was closed as of XX/XX/XXXX. I actively used this account until XXXX, and I kept the account open after moving to XXXX. The account was originally opened at the Citibank branch in XXXX, XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, United States. According to the account statement I received, the account had remaining balances of {$20000.00} in my XXXX XXXX account and {$1600.00} in my Regular Checking account. I also paid a monthly maintenance fee of {$15.00} for approximately the last year before the account was closed. I have tried to recover these funds, but I have not been able to do so. First, I contacted Citibank by phone from XXXX, but the issue was not resolved. Later, when I visited the United States, I went to a Citibank branch in person. The branch staff attempted to assist me, including by making an additional phone call on site, but the funds still could not be located or returned to me. The Citibank branch I visited was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX, United States, and I visited there on XX/XX/XXXX. I also sent an email to XXXX @ citibank.com as I was instructed to do following the phone call I had with Citibank on XX/XX/XXXX, but I have not received a response. As of now, the funds do not appear to be listed on the relevant state unclaimed property website ( of New York State, XXXX XXXX XXXX ). I therefore request that Citibank locate the closed-account balances, confirm where the funds are currently held, and return the full remaining balances to me. My preferred resolution is to have the funds transferred by international wire transfer to my XXXX foreign currency account ( which I will provide through other secure channel ). If Citibank can not complete an international wire transfer due to its internal security policy, I request that Citibank issue a cashiers check for the full amount and mail it to my current home address ( which I will also provide through other secure channel ).

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 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XX/XX/year>, a XXXXXXXX XXXX XXXXXXXX installer came to my home to install an XXXX security system. During the installation process, the installer had possession of my phone and used it to complete account setup activities. I never knowingly authorized a {$5500.00} XXXX XXXXSynchrony credit account. Shortly after the installation, I discovered that a Synchrony financing account had been opened and charged approximately {$5500.00}. I immediately disputed the account and charge. Since that time, I have filed multiple fraud claims, billing disputes, written disputes, completed Synchrony 's fraud affidavit process, provided supporting documentation, and previously filed a CFPB complaint. I have consistently maintained that I did not knowingly authorize this account. As part of Synchrony 's fraud investigation process, I submitted a signed fraud affidavit, supporting documentation, and phone records supporting my position. Despite receiving this information, Synchrony has repeatedly denied my claim and continues to report and collect on the account. However, Synchrony has never provided the evidence it relied upon to conclude that I knowingly authorized the account. I have specifically requested the complete credit application, electronic signature audit trail, IP address records, device identification records, authentication records, SMS verification records, recordings of any alleged authorization calls, merchant documentation, investigation notes, and any other evidence reviewed during Synchrony 's fraud investigation. Instead of providing the requested evidence, Synchrony has only provided denial letters stating that the purchase was made at my address, that the account was associated with my phone number, and that I allegedly benefited from the transaction. These statements do not establish that I knowingly authorized the credit application or financing agreement. I also dispute the authenticity and authorization of the signatures and initials relied upon by the merchant. Despite multiple investigations over more than two years, Synchrony has not produced documentation demonstrating that I knowingly consented to open this account or incur this debt. This account has remained disputed since XXXX and is negatively affecting my credit profile and my ability to refinance my home. I am requesting that Synchrony provide all evidence relied upon in determining that I knowingly authorized this account, conduct a new investigation focused on authorization rather than merchant representations, and correct or remove any inaccurate credit reporting if valid authorization can not be established.

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 2026-05-31 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: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> My cashapp account was hacked they deleted all of my info and took it over I had about {$500.00} in checking XXXX in savings and XXXX in XXXX on there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I began a process to apply for a Truist Credit Card on-line. During the application process I was asked to scan a my driver 's license and provide personal information. At that point, the application process was stopped, and I was informed that information provided by XXXX XXXX XXXX. They provided me a telephone number that I could call to get a copy of the report. I called the number and contacted XXXX XXXX and I was informed that they were unable to provide me the necessary information until I uploaded a copy of my DL and again verified my identity. After doing that, I received a complete 29 page report detailing all my banking relationships. I examined the report and found no mis-information in the report. I then called First Warning and asked what information contained within the report led to my denial of credit by Truist. They informed me that they could not tell me because it was Truist 's decision. With that information in hand, I contacted Truist Bank on XX/XX/year> and after going through the phone tree from XXXX taking over XXXX hour, I was finally able to speak to one of their agents. I explained my problem in detail and they said that they did not have access to the information so that they could address the issue. I asked who I could speak to and they were unable to give me a name or contact department to address the problem. I told them that I had, in effect been rejected by Truist and that I wanted a letter of denial from them so that I could dispute it. I was told that I was not denied credit and than if I wanted, I could go into a branch and re-apply. I would like CFPB to investigate this practice by Truist as it is attempting the circumvent the FRCA and not inform the consumer of the reason for rejection or giving them a way to challenge it when there is no negative information contained within the XXXX XXXX report. They have used AI to remove recourse for the consumer and no live person is able to address the situation. This is a clear violation of the Fair Credit Reporting act and I would like to see Truist answer this complaint.

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