vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: VA

Complaint narrative:
I am filing a formal complaint against Citibank for violating my rights under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666i, regarding a dispute for unsatisfactory services and breach of contract. I have been a loyal Citibank cardholder for over 20 years. On XX/XX/year>, a plumbing merchant was dispatched through my home warranty company to clear an emergency sewer backup. The plumber failed to resolve the backup. To excuse his incomplete work, the plumber claimed the backup persisted because my septic tank was completely full. The plumber charged me {$45.00} for the service call and {$210.00} to snake the sewer line. The very next day, I paid a septic system company to inspect the tank. They confirmed the tank was NOT full and was not causing the issue. Instead, they ran a diagnostic camera through the lines and proved the original sewer blockage was still fully intact. The septic company then snaked the line and successfully cleared the blockage, immediately resolving the backup. I opened a timely dispute online with Citibank and provided this documentation ( attached/uploaded ). Citibank summarily closed the dispute in favor of the merchant. When I called to appeal, a Citibank supervisor stated that the bank " can not force the merchant to accept the chargeback '' and is " not empowered to take the money back. '' This is a direct misrepresentation of federal law and card network rules regarding " Services Not as Described. " Because Citibank 's frontline staff closed my valid case and provided legally incorrect information, I am filing this CFPB complaint immediately to prevent the expiration of my chargeback rights due to bank error. I request that Citibank reopen my case, review the attached camera evidence and invoices, and permanently credit my account. I am including a PDF of my request of service with the Warranty company that dispatched the plumbing service, and the invoice from the septic company that cleared the sewer line the next day indicting that it was not a full septic but a clogged sewer line. I also include the letter from Citibank closing the case indicating that they aasked the merchant and he would not honor the refund.

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 2026-06-01 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: NV

Complaint narrative:
I am a consumer with an immaculate, XXXX year credit history and a flawless credit score ( evidenced by an active XXXX XXXX XXXX XXXX back to the early XXXX ). I was a cardholder in excellent standing with XXXX on an XXXX XXXX co-branded account. When Citibank absorbed this XXXX, my account migrated. I utilized the card normally for two months and accrued a {$7000.00} balance, which is being satisfied in full under protest. Following this transition, Citibanks risk management executed a reckless, unilateral " hard close. '' The sheer administrative chaos of this execution is self-evident : front-line reps claimed a temporary " location verification '' issue caused it, while the bank simultaneously mailed me a physical card that was instantly voided. Let us be entirely transparent : this is an unreviewed algorithmic administrative error. I suspect this automated termination is a legacy " ghost in the machine '' an unreviewed, XXXX internal Citigroup data artifact dating back to a sweep of dozens of accounts tied to a former business associate 's legal issues. I was entirely un-implicated, and my subsequent XXXX flawless financial and legal record proves it. For Citibank to allow an ancient, automated data match to dictate a current consumer relationship without manual human review is a textbook definition of an arbitrary, unfair, and deceptive business practice. Citibanks reckless actions have caused me severe, concrete financial and reputational damages that go far beyond the theft of my contractually earned XXXX XXXX XXXX miles. Credit Score Suppression : By opening a new trade line and immediately executing a " hard close, '' Citibank has manipulated my debt-to-income and account-age metrics, directly causing a negative impact on my pristine credit score. Reputational Harm & Blacklisting : Citibank is preparing to report this account to the major credit bureaus XXXX XXXX XXXX XXXX ) with the highly damaging notation " Closed by XXXX. '' This notation falsely signals to the financial industry that I am a non-compliant or high-risk borrower. Interference with XXXX XXXX XXXX : I am currently actively shopping for a replacement premium credit card. The presence of a sudden, unexplained " Closed by XXXX '' trade line on my report severely impairs my ability to secure competitive interest rates and premium credit lines, causing ongoing financial injury.

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 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accscient, LLC
State: GA

Complaint narrative:
Subject : Request for Debt Validation Account Number : XXXX Dear XXXX XXXX I am writing because I recently pulled a copy of my credit report and I noticed that you are reporting the alleged debt referenced above. I do not acknowledge or accept responsibility for this alleged debt and am requesting full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Under the FDCPA, I have the right to request full and complete validation of this debt. Until such validation is provided, I request that you immediately cease all collection activities and not report or continue reporting this alleged debt to any credit reporting agencies, as doing so without proper validation is a violation of federal law.The alleged debt appears to involve medical information protected under the Health Insurance Portability and Accountability Act ( HIPAA ). I dispute this account and have requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The debt collector has failed to provide sufficient documentation establishing the existence of the debt, my legal obligation to pay, or authorization for the disclosure of my protected health information. Until proper validation is provided, collection activity and credit reporting should cease. If the collector can not provide legally sufficient validation while complying with XXXX privacy requirements, the account should be deleted from all consumer reporting agencies Please provide the following documentation : XXXX. The original contract or agreement bearing my signature that legally obligates me to the alleged debt. XXXX. A complete account history, showing all charges, payments, interest, and fees, to prove the amount you claim is accurate. XXXX. The flow agreement or chain of assignment showing your legal authority to collect on this debt, including all parties involved. XXXX. The bill of sale or assignment agreement transferring the debt from the original creditor to your agency ( redacted for sensitive information if necessary ). XXXX. Proof that you are licensed to collect debts in my state, including your license number and the name of the issuing agency. Be advised that until you furnish all the requested information, you are not to place or continue to report this debt on my credit file. Reporting unverifiable debt violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office if necessary. I request that you respond to this letter in writing within 30 days of receipt. Please also note that I am keeping records of all correspondence regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 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: TX

Complaint narrative:
I am filing this complaint because Chase completely failed to properly investigate a major billing error on my card and broke their own promises to me. Back in XXXX, I took my car to XXXX ( XXXX XXXX ) and authorized a repair based on a handwritten estimate of {$350.00} maximum. When I went to pick up my car, they hit me with a surprise bill of {$2200.00}. They basically held my car XXXX. I was forced to pay it just to get my vehicle back next day and they included {$99.00} for storage fee as well, but I wrote " Paid Under Protest '' right next to my signature on the invoice to show I did not agree to this massive, unauthorized charge. I immediately disputed the {$1800.00} overcharge with Chase. I spoke directly with Chase 's Senior Dispute Executives. They looked at my evidence, agreed with my case, and issued a temporary credit. On XX/XX/XXXX, Chase sent me a formal letter confirming this temporary credit while they checked with the merchant. Then, out of nowhere on XX/XX/XXXX, Chase sent me a final denial letter. The letter claims the charge is " valid '' simply because " the services were received. '' This makes absolutely no sense and completely ignores my paperwork. Of course the physical services were receivedI had to get my car back. The entire issue is the amount of the bill. XXXX charged me 535 % more than the {$350.00} I contractually agreed to. They have zero paperwork showing I ever authorized an extra {$1800.00}. Chase 's automated system just looked to see if a transaction happened, completely ignoring the fact that the merchant illegally changed the price. I have already taken formal legal steps by filing a complaint with the XXXX XXXX XXXX and serving XXXX with a XXXX XXXX legal notice. I need a real person at Chase to actually look at the handwritten {$350.00} agreement and the final protested receipt. I want Chase to reverse this automated XX/XX/XXXX denial and permanently restore my {$1800.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this follow-up regarding my XXXX XXXX dispute to ensure that your agency is strictly adhering to the procedural requirements mandated by federal law during this active investigation period.I understand and acknowledge that Credit Reporting Agencies , in compliance with the law, must provide adequate time for creditors/furnishers to respond to a formal dispute. As mandated by 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( b ), the furnisher has a maximum of 30 days to complete their investigation. And in Strict Liability Violation under the Fair Credit Reporting Act ( FCRA )

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKX INC.
State: NC

Complaint narrative:
I deposited funds into OKX using ACH. OKX immediately credited the deposit and allowed me to trade. I used the credited funds to purchase several assets, including XXXX, XXXX, and XXXX. All of these transactions show as completed in my activity log. Later, OKX zeroed out my entire balance without showing any reversal, liquidation, or withdrawal in my transaction history. My portfolio shows {$0.00}, but my activity log still shows the completed buys and no corresponding negative entries. OKX then disabled my account under Clause XXXX of their Terms of Service, preventing me from accessing or withdrawing any assets. I contacted support, and an OKX agent named XXXX confirmed in writing that : The ACH deposit was unsuccessful, OKX recovered the outstanding amount, and My assets have been, or will be, liquidated to offset the failed deposit. However, no liquidation or reversal transactions appear in my account history, and OKX has not provided any documentation showing that the ACH actually failed. My bank has not reported any ACH failure or reversal. OKX effectively took my assets without providing any transaction records, disabled my account, and refused to restore my balance or provide proof of the alleged ACH failure. -- - Why this is a problem OKX : Credited my ACH deposit Allowed me to trade Retroactively claimed the ACH failed XXXX my balance Liquidated my assets without showing any ledger entries Disabled my account Refused to return my funds Refused to provide documentation Failed to resolve the issue through support This appears to be improper account adjustment, failure to safeguard customer assets, and failure to provide accurate account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL

Complaint narrative:
A few months ago, I reported unauthorized transactions on my PayPal Credit account. At that time, my account was blocked. In order for me to log in to my account, they must send a code to a phone number that I no longer have. I have contacted Paypal numerous times to try to regain access to my account but have been unsuccessful. I have also sent a copy of my driver 's license. There is a large balance in my PayPal account and I urgently need to get access to it. At this point, I just want to get my funds and close the account.

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 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Despite providing Klima , Peters & Daly , P.A . with an official FTC Identity Theft Report clearly documenting that this debt resulted from a data breach and was incurred without my knowledge or authorization, Klima , Peters & Daly , P.A . has continued to pursue collection efforts against me. This persistent harassment, in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, demonstrates a willful disregard for federal law and my rights as a consumer. I have complied with every legal requirement to dispute this debt, yet this company has refused to cease contact, causing me undue stress and harm. Their continued collection activity, despite having been put on notice, is not only unlawful but should be treated as an aggravating factor in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account at this bank but have practically never used it. Last week, I received an email informing me that my account balance was negativesomething that should have been impossible, given that I made an initial deposit of over XXXX XXXX XXXX when I opened the account. Upon finally gaining access to the account, I discovered numerous transactions that I did not recognize. I immediately contacted the bank 's customer service center ; they initiated a dispute resolution process but informed me that the timeframe for a resolution could take up to 90 days. I simply can not afford to wait that long. Consequently, I politely requested a provisional credit. This would make no material difference to the bank, asat the conclusion of the investigationit would either be converted into a permanent credit or, in a worst-case scenario, reversed. The latter, however, would not apply in this instance, as I have clearly been the victim of banking fraud! Under these circumstances, I demand that the credit be immediately posted to my account. I am currently facing severe financial hardship ; my rent is overdue becausewhen I attempted to access my account to withdraw the funds needed to pay XXXX was met with this shocking surprise. This situation is causing me immense stress and aggravation. If immediate measures are not taken to resolve this situation and extricate me from my current predicament, I intend to file a lawsuit in court seeking both injunctive relief and monetary damages, as this conduct on the part of the bank is utterly unacceptable.

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 2026-06-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I made a purchase in XXXX XXXX. The vender took my card behind the countertop to run the transaction. My card for the purchase of {$5.00} was ran on XXXX machine and then ran again on another machine that I did not authorize for an amount of {$620.00}. I was unaware of the second transaction until the following day and immediately submitted a fraud claim with my bank. NFCU denied the claim stating I need to prove that I did not make this purchase. The second transaction went through just over XXXX minute after the initial/approved transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I opened XXXX savings accounts with Marcus by Goldman Sachs after a recommendation. I deposited {$100.00} into XXXX account and {$50.00} into the second account. A few days later, when attempting to deposit more money, I discovered both accounts were restricted. I had not used the app or made any other transactions since the initial deposits. I have spent countless months calling customer service repeatedly, but I have received no help, no explanation for the restriction, and no path to get my money back. I am filing this complaint to demand that Goldman Sachs immediately investigate this issue, explain the restriction, and return my {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
on XX/XX/year> I sold my home and then contacted my mortgage co as my account showed a credit balance in my escrow I asked them to please send me the balance, on XX/XX/year> I updated my new address, I called my Mortgage co on XX/XX/year> and asked where my escrow balance was I was told they they just sent it out, On XX/XX/year> I called to check the status of my check and was told that a check was sent on XX/XX/year> but they would send a new one, I never received one I called again 15 days later and was told they thay sent the check but would put a 2 day rush on a check I have contacted them through email their research depart but i'm getting no where with them, all i get is the check is in the mail, I'm a widow I lost my husband right before I sold my home and have a XXXX child this is so unacceptable. I was never late on any payment in the 18 years that i had a loan with them. I have no idea of what to do but im asking for your help in this matter I did contact my Attorney General 's Office and i did make a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Credit Collection Services. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Credit Collection Services currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Credit Collection Services. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation