vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My Citi credit card account was closed due to a high frequency of disputes, and my accumulated rewards were forfeited. I would like to clarify the context of these disputes. The transactions in question were primarily small everyday purchases such as parking and coffee-related charges. In most cases, I attempted to resolve the issues directly with the merchants first. However, many merchants did not respond, were unreachable, or failed to resolve the issue despite multiple attempts. As a result, disputes were used as a last resort when merchant resolution was not successful. These were not intended as misuse of the dispute system, but rather legitimate attempts to address unresolved transaction issues. I acknowledge that, from a system perspective, the number of disputes may have appeared high. However, this was driven by repeated non-response from merchants rather than intentional misuse. I now understand that disputes should only be filed after exhausting all reasonable merchant resolution efforts, and I will strictly follow this standard going forward. I respectfully request a review of the account closure decision and reconsideration of the forfeited rewards as a one-time courtesy based on my customer history and the nature of the transactions involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
In XXXX of XXXX, I was utilizing XXXX to search for jobs. Upon applying for a position, I received an email from the company ( I thought ) on XX/XX/XXXX, asking if I was interested. In a subsequent email, I was asked to set an interview appointment time via a supposed link to a XXXX XXXX calendar. The link did not work. Instead, it downloaded something ( I suspect malware ) to my computer. Once I clicked the link, the person emailing me stopped responding and shut down their account. Unfortunately, I did not notice until it was too late that the emailer was impersonating a legitimate business. They were also using different names in their email address and the body of the email. Shortly after the email conversation, my accounts through USBank, XXXX cards, and XXXX were all accessed and used for false transactions. In the case of USBank ( my primary complaint ) the malware somehow gave the user access to my online accounts, either remotely or through my computer directly. On or around XX/XX/XXXX, they executed a XXXX money transfer to another party in the amount of {$3000.00}, nearly the full balance of my account. I reported the transaction very quickly, on or around XX/XX/XXXX. USBank shut down all of my accounts due to the activity and started a fraud claim. This claim and at least 3-4 subsequent claims have all been denied even though I've provided clear evidence and immediate reporting. The reasons I've been given for the denials ( verbally ) have been poor at best. I have the email addresses, names used, and IP address for the instigating emails. I've also been given the name of the person who received the funds, their phone number used, and financial institution the funds were transferred to ( XXXX ). I do not know any of these parties nor have I conducted any form of business with them. The emails and phone numbers of the fake employer and person who received the funds have all been shut down, a clear fraud indicator. Lastly, rarely, if ever have I used USBank 's XXXX service to transfer funds to a person. Never had I used this bank account to do so. This bank account was used as a means to save funds for certain bills 6-months in advance. No external transfers to 3rd parties.

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 2026-04-16 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: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On or around XX/XX/year>, a charge was made to my checking account for merchandise that I did not receive. There is no confirmed proof of delivery tied to me, and I did not receive the goods associated with this transaction. I contacted my financial institution and filed a dispute regarding the transaction. More than 10 business days passed, and no provisional credit was issued while the investigation remained ongoing. When I followed up with the company, I was informed that this type of dispute ( merchandise not received ) is considered non-Regulation E and therefore does not qualify for provisional credit. However, the funds remain withdrawn from my account while the investigation is still unresolved. I requested escalation to a supervisor and further review, but I was not provided an immediate resolution. The company stated the dispute could take up to 90 days to complete, leaving me without access to my funds during this period. I am seeking a fair review of my dispute, including reconsideration for provisional credit or other relief, given that there is no confirmed delivery and I have not received the merchandise. I am also requesting clearer justification for the denial of provisional credit and timely resolution of this matter. I have attempted to resolve this directly with the company, including escalation to management, but the issue remains unresolved. I believe this situation is unfair because my funds were removed without confirmed delivery of goods, and I am being required to wait an extended period without access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was gifted this prepaid card in XXXX and recently found it while moving. I used the online portal to try and check the balance ( as stated on the card ) but received an error message. I then called and the automated system also gave an error stating that they could not find my account. I then hit the pound key in an attempt to talk to a representative who told me that since I did not know the state of purchase ( I don't know who gave it to me 5 years ago let alone where they purchased it ) I had to register the card to me. I then called another representative to try and register it ( as suggested by the first employee ) who told me to register online ( I was unable to as it was continuously throwing an error message about my card ). She then told me to fax government documents to a number, but I don't feel comfortable doing that nor do I have access to a fax machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
I am formally asserting my rights under the FTC Holder Rule ( 16 C.F.R. 433.2 ), which is explicitly included in my contract. This loan was originated by XXXX XXXX XXXX and is held by XXXX XXXX, but it is currently serviced by Launch Servicing , LLC. Under the FTC Holder Rule, any holder of this contract is legally subject to all claims and defenses I have against the " Seller '' ( XXXX ). I previously disputed this on XX/XX/year>, and XXXX responded on XX/XX/year> claiming they are a " separate entity '' not responsible for XXXX actions. This is a legal error. The Grounds for My Dispute : 1. Documented Fraud : The CFPB ( Consent Order XXXX ) found XXXX guilty of deceptive marketing, specifically inflating job placement rates. I was recruited based on these false metrics. 2. Abusive Practices : XXXX used a deceptive " Tuition Refund Guarantee Audit '' to disqualify me from relief. They required responses within 3 business daysa tactic the CFPB identified as an abusive way to avoid student relief. 3. Breach of Contract : XXXX is refusing to honor the mandatory Holder Rule notice in my contract, which allows me to use XXXXXXXX XXXX fraud as a defense against repayment. I have attached a Full Claim PDF containing the contract, the " Ineligible '' email from XXXX, and the XXXX refusal letter from XXXX. I demand a full discharge of the debt and deletion of the credit tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX a debit transaction of XXXX was withdrawn from my checking account stating : FUNDS TRANSFER DEBIT REF # XXXX GARNISHMENTS/TAX LEVY. I do not have tax debt. I never received a notice from the IRS. I immediately contacted my accountant and he stated this is not associated with what he filed. I froze all my credit accounts through : XXXX, XXXX and XXXX. Fifth third bank will not process as a fraudulent charge because it says government, so Im hoping you can help me dispute this so I can get it handled quickly. Please be careful to watch for identity theft and data breaches especially during tax season.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
am filing this complaint against Midland Credit Management ( MCM ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Harassment and Aggressive Communication : MCM representatives have contacted me repeatedly by phone. During these calls, they have used aggressive and condescending language. Despite my verbal requests for them to stop calling me, the harassment has continued. Failure to Validate Debt : I sent a formal written request for debt validation to MCM via [ Certified Mail/Email ] on [ Insert Date ]. Under 15 U.S.C. 1692g, a collector must provide proof of the debt and cease collection until they do so. MCM has failed to respond to my request or provide any documentation verifying the original creditor, the amount owed, or their legal right to collect it. Illegal Continued Collection : Despite my pending dispute and their failure to validate the debt, MCM has continued their collection efforts, which is a direct violation of federal law. Credit Reporting Violations : MCM is reporting this unverified debt to the credit bureaus. They have refused to remove the entry despite my formal disputes with them and the bureaus. Reporting information they know to be inaccurate or unverified violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: DC

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is 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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a {$10000.00} check on XX/XX/XXXX Monday they said it would be available in 3 to 4 days so I returned on Thursday they I have to wait til XX/XX/XXXX so I returned on the 1st they your account has been restricted I don't know what that means......... so they closed my acc for no reason...... now here it is XX/XX/XXXX and still have not received my money I am very frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am submitting a complaint about PNC Banks continued furnishing of inaccurate credit information on my credit report. I dispute liability for the reported balance because it is based on unauthorized/fraudulent charges. Despite notice of my dispute, PNC continues to report the account as delinquent, over limit, and with derogatory payment history, with an approximate balance of {$7800.00} on a {$6500.00} credit limit. This complaint is specifically about ongoing inaccurate credit reporting, not a general fraud or account-servicing complaint. PNC is continuing to furnish disputed information as valid debt, which is causing ongoing harm to my credit profile through inflated utilization, delinquency reporting, and derogatory history. I am requesting that PNC : 1. stop furnishing the disputed balance as valid debt that I owe, 2. correct or delete the inaccurate reporting, 3. notify all consumer reporting agencies to correct the tradeline, and 4. provide a written explanation of its investigation and the basis for any claim that I am liable for the disputed charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, I paid {$1600.00} to XXXX XXXX XXXX for a 7-day Caribbean cruise aboard the XXXX ( XX/XX/year> ). I disputed {$800.00} of this charge with Chase ( Claim ID : XXXX ) under Visa Dispute Code 13.3 ( Not as Described / Health Hazard ). During the voyage, I encountered the following documented health and sanitation violations : insects found in food served at the dining facility ( photographed ), visibly unclean utensils ( photographed ), fecal matter in my stateroom, and a hair dryer containing hair from a previous passenger ( photographed ), confirming the room was not cleaned between guests. Because I was aboard a vessel at sea, I was physically unable to leave or discontinue the defective service. I formally complained onboard on XX/XX/year>. XXXX XXXX immediately issued a {$150.00} shipboard credit that day, acknowledging the problem in real time. My complaint was escalated to the XXXX XXXX XXXX. After the cruise, I received a letter from XXXX XXXX, Special Advisor to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, acknowledging failures in stateroom cleanliness, dining service, and tableware hygiene. Additionally, my booking required a minimum of two passengers. Only one passenger ( myself ) sailed. XXXX XXXX never refunded {$240.00} in government taxes and port fees for the non-boarding passenger. Chase denied my dispute on XX/XX/year>, stating services were " received or available for use, '' without accounting for the merchant 's written admissions or my photographic evidence. I submitted a formal appeal to Chase on XX/XX/year> with full documentation. Chase 's appeal deadline is XX/XX/year>. XXXX XXXX offered a {$300.00} XXXX XXXX XXXX, which I explicitly declined in writing before it was issued. The merchant acknowledged my refusal but issued it unilaterally. I have never accepted, activated, or used this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing regarding my account and the recent application of deferred interest following the expiration of my promotional financing period. I recently became aware that my account was subject to a deferred interest provision, resulting in a significant interest charge now applied to my balance. Unfortunately, I did not receive the most recent statement or notification clearly indicating that the promotional period was ending and that the remaining balance needed to be paid in full to avoid retroactive interest. Had I received that notice, I would have taken immediate action to satisfy the balance before the deadline. This situation was not due to neglect or intentional non-payment, but rather a lack of awareness of the specific deferred interest terms at the conclusion of the promotional period. I have made a consistent effort to manage my account responsibly and would have avoided this outcome had I been properly informed. I spoke with customer service XX/XX/XXXX and again on XX/XX/XXXX. I spoke with them about not receiving my statement last month and requested to pay my balance in full without the accumulated interest which is {$14000.00} at a percentage rate of 32.49 %. I was unsuccessful with this request. Last statement balance was {$14000.00}. They have now added deferred interest of {$14000.00} and fifties one cents for total balance owed with {$28000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collection Attorneys USA LLC
State: GA

Complaint narrative:
I am filing a complaint regarding multiple suspicious and potentially unlawful debt collection calls related to an alleged account originally with XXXX. I have received repeated calls from an unknown phone number. I was left a voicemail to call XXXX, from individuals claiming to be part of an arbitration team. These callers used threatening and misleading language, including statements that I was being sued for fraud, that my rights would be forfeited, and that I would be located at my home or place of employment. I was told I would need to get a lawyer if I could not make payment in full and when I go to court, I would have attempt to defraud a business placed on my credit history. The callers refused to provide written validation of the debt when requested and instead redirected me to multiple other phone numbers, creating confusion about who actually owns or services the account. They also contacted my husband regarding my alleged debt, using the same threatening language and aggressive behavior, which I believe is a violation of my privacy rights. I contacted XXXX directly and was told the account had been charged off and placed with a third-party collection agency, Collections Attorney XXXX XXXX . However, the behavior and phone numbers used by the callers do not match what was provided by XXXX. I was provided with this phone number XXXX for Collections Attorney USA LLC by XXXX. When I contacted that number, I was told my case was sealed and that I needed to contact their corporate offices at XXXX. When I contacted the corporate offices at that number and requested written debt verification, I was told that XXXX, a different collection agency or their verification team now has my account at the number XXXX. I believe these calls involve deceptive, abusive, and potentially fraudulent collection practices, including : - Misrepresentation of legal status ( false claims of lawsuits and fraud ) - Harassment and intimidation - Refusal to provide written debt validation - Improper third-party contact I am requesting an investigation into these entities and their practices, and that they be required to cease all unlawful communication. I am also requesting confirmation of the legitimate entity, if any, authorized to collect this debt so I can resolve it safely. It should be noted that the original Debt is under my maiden name XXXX XXXX

Company response to consumer: Closed with explanation