vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 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: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I am filing a complaint regarding my banks handling of an unauthorized transaction and denial of my fraud claim. A bill payment in the amount of {$4900.00} was made from my checking account to a XXXX credit card without my authorization. I did not initiate or approve this transaction. I promptly reported the fraud to my bank. However, my claim was denied. The bank stated that the denial was due to XXXX XXXX not providing information about the recipient account holder. This reasoning is unacceptable and appears to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E. The law requires the bank to conduct a reasonable investigation and determine whether the transaction was authorized. A lack of cooperation from another financial institution does not constitute proof of authorization. Additionally, the transaction reportedly used my login credentials and phone number, which suggests my account may have been compromised or taken over. This raises serious concerns about the banks security measures and whether proper authentication safeguards were in place. I explained that I never received any texts was told that several codes were sent to my phone. The bank has not provided sufficient evidence that I authorized this transaction, nor have they provided detailed findings from their investigation. Additionally, I got a text that evening that my XXXX change for a line on my phone was not completed because I have XXXX XXXX on my phone. Therefore my telephone provided saw that a XXXX saw was triggered. If my XXXX was momentarily comprimised, access doe not equal authorization and I did not authorize this activity on. my account. I am requesting : - A full reinvestigation of this unauthorized transaction - Documentation of the banks investigative process and findings - Evidence supporting their conclusion that the transaction was authorized - Reimbursement of the {$4900.00} I have also filed an police report and am prepared to provide any supporting documentation. I am seeking the return of my funds and accountability for the banks failure to properly investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my account with Credit Karma Money was locked for security reasons without prior clear notice. I was not informed in advance that my account would be restricted or given time to withdraw my funds before access was blocked. After my account was locked, I contacted customer support multiple times to request access to my funds or a one-time withdrawal/transfer. I was told my account was under review and later escalated to a XXXX XXXX ( XXXX # XXXX ). However, I was not given a timeline for resolution or a clear explanation of the reason for the restriction. I also requested documentation or confirmation of the escalation but was not provided with written proof or detailed information. I was informed that my account can not be accessed while under review and that I must wait for an email response from the XXXX XXXX, with no specific timeframe provided. As a result, I currently do not have access to my funds and have not been given a clear resolution timeline or the ability to withdraw my remaining balance while the account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson capital is reporting invalid information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
This person, XXXX XXXX, is attempting to collect for judicial services for what is not clarified. She then goes on to threaten to call family members, including minor children. I need this to stop. My siblings, their spouses and their minor children, as well as their former and current spouses have all been harassed repeatedly. It is extremely alarming to them and illegal to contact children under the age of XXXX. XXXX goes on to let me know that she is contacting me to let me know I will be served with a summons for court and an affidavit. This is fraud and whoever this person is needs to be charged with attempting to impersonate a court officer, threatening legal action without the right to do so and providing a fraudulent phone number to perpetrate a crime. Additional information provided by consumer : XXXX Company Name- Rubin & Rothman , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Issue : Unexpected deferred interest charges on healthcare financing account I opened a financing account through XXXX XXXX to pay for Invisalign treatment. The account included a promotional no interest if paid in full by a certain date offer. I enrolled in automatic payments and consistently made payments in good faith, believing that my balance was being appropriately reduced and would be paid off within the promotional period. I was not clearly informed or adequately notified that I needed to pay the full remaining balance by the end of the promotional period to avoid retroactive interest. After the promotional period expired ( approximately 18 months ), I was charged approximately {$2400.00} in deferred interest, bringing my balance back close to the original amount. At no point did I receive clear, actionable communication warning me that : the promotion was about to expire, and failure to pay the full balance would result in all accrued interest being added retroactively. I contacted the company and requested a goodwill adjustment, but was told no resolution was available. I believe this financing structure and lack of clear notification is misleading and unfair, especially given that I was enrolled in automatic payments and acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Went to have a service done XX/XX/XXXX and I was under the impression of one price to only be up charged for non price that was advertised also human hair which was false it was synthetic blend. I found out once the heat was making my hair tangled when I was running my fingers through the braid so I went to the beauty supply store to try to ask the lady which should I put on my hair because my forehead was itching and I asked her did she think that the hair was human because Ive never witnessed human hair tango so easily or cant withhold heat from the sun she advised me that it was synthetic. I have been unsuccessful in getting a reply or a response back from the merchant. I left a review on XXXX with my concern of the unhappy from the service not to mention they were very rude, didnt greet, but I let it go even though its not OK I just put it to them being XXXX because theyre naturally rude but to run a business be rude falsely advertise prize put false synthetic human hair is just totally unprofessional. I disputed it and chime denied it however, they havent spoke to the merchant because the supervisor let me know that information the day before a decision was made so Ive asked for a appeal as well as verification of correspondence from them in the merchant, a documentation of how their decision was made I have yet to hear anything, but I just think its totally unfair that a place can do a bad service falsely advertise and not have to refund. I cut the hair out. My natural hair is out. Ive submitted several other reviews of customers that have witnessed the same thing my hair once I removed the braids and me cutting the hair out prior to me removing it so I would love you to reconsider or to reach out to the merchant for them to tell you guys how they came up with this decision because I am being totally unheard. They keep hanging up the phone in my face

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: MD

Complaint narrative:
I purchased a car from Carvana on XXXX found out it had XXXX $ worth of repairs needed. They dont want to honor their warranty thats for 100 days. They refuse to fix the car an is now trying to pressure me into getting another one an I dont want another car from them. So as a result they removed my payments I made on the car and say their holding it in an account until I sign up for another car which is illegal and fraud. They now have the finance company sending me threatening letters an emails that I was at 1st XXXX pass due. Now its saying Im XXXX $ an are threatening to repo my car an report me to the credit bureau for nonpayment on the XXXX of XXXX. I have all my bank statements showing I paid them and they wont fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goal Structured Solutions, LLC
State: WA

Complaint narrative:
I. FACTUAL TIMELINE ESTABLISHING VIOLATIONS XX/XX/XXXX : I enrolled in XXXX XXXX XXXX XXXX XX/XX/XXXX : Launch claims loan " entered repayment '' XX/XX/XXXX : I officially withdrew from XXXX XXXX XXXX XXXX XX/XX/XXXX : Launch demands first payment of {$250.00} CRITICAL FACT : I was actively enrolled as a student when Launch claims my loan entered repayment on XX/XX/XXXX. This is impossible and illegal. Premature Acceleration Without Legal Basis You have accelerated the loan and demanded full repayment without : Any default on my part ( impossible, as loan was not in repayment ) Any missed payments ( impossible, as no payments were due ) Proper notice of acceleration as required by TILA Legal justification under the loan agreement terms D. FDCPA Violations - False or Misleading Representations Under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations. Your notice contains multiple false statements : 1. False Statement : " Your loan ( s ) entered repayment on XX/XX/XXXX '' Truth : I was actively enrolled in school on this date ; loan could not legally enter repayment 2. False Statement : Demanding payment due XX/XX/XXXX, Truth : I am in grace period until approximately XX/XX/XXXX 3. Misleading Representation : Claiming I owe {$6000.00} Truth : Amount may be reduced by refund owed from Freedom Team for unused portion of program

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I requested debt validation from Resurgent Capital Services regarding an account they claim is owned by LVNV Funding LLC. They initially responded by sending a self-generated Account Summary Report. I then sent a written notice explaining that this does not constitute proper validation and specifically requested documentation showing ownership of the debt, such as a bill of sale or assignment. In response, they sent the same account summary again without providing any additional documentation. They have failed to provide evidence that LVNV Funding LLC owns the alleged debt or that Resurgent Capital Services is authorized to collect it. Despite this failure to validate, the account continues to be reported on my credit file. I am requesting that this account be removed due to failure to properly validate the debt and continued reporting of unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Wave Financial USA Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX, I received written confirmation that my business was approved for payment processing through Wave. Based on that approval, I issued an invoice and received a bank payment of {$13000.00} on XX/XX/XXXX, which was marked as successful within the platform. The system showed the funds were processed, fees were deducted, and the payout was directed to my linked bank account. After the payment was received, I was informed that processing could take up to 11 days. I waited through that timeframe expecting the funds to be deposited as indicated. After that period, instead of receiving the funds, my account was closed by Wave. I was then informed that my business could not be verified and later received a separate explanation stating that my business fell under prohibited or high-risk categories. These explanations directly contradict the prior written approval and the successful processing of the transaction. The funds from this completed transaction are now being held for up to 70 days. Neither I nor the customer currently have access to the funds. The customer attempted to initiate a reversal through their bank, but this was unsuccessful. As a result, the payment has been accepted and processed by Wave, fees have been deducted, and the funds remain inaccessible to both parties. This situation has caused significant financial harm to my business and disrupted ongoing operations. I am requesting an expedited resolution, including either release of the funds or immediate return to the customer, along with a clear explanation of how this transaction was accepted after approval and then restricted afterward.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
My mortgage account is currently in foreclosure even though I made the payments I was instructed to make through August REI, which was the designated payment channel. After making those payments, my account was brought current on installments. However, foreclosure is still being pursued, with a sale scheduled for XX/XX/year>. There are multiple parties involved giving conflicting information, including August REI, XXXX XXXX XXXX, XXXX XXXX, and the foreclosure attorney. I have been told that XXXX needs to coordinate stopping the foreclosure, but I am now being told that I must pay approximately {$18000.00} to release the lien before I can pay XXXX directly, even though my payments have already been brought current. XXXX XXXX refuses to speak with me, stating I am not the account holder, which prevents me from resolving the issue directly. I dispute the foreclosure and any reinstatement or lien-release amount that does not properly credit the payments I have already made. I am requesting : Immediate review and halt of foreclosure proceedings A full itemized breakdown of the {$18000.00} amount A complete payment history showing all payments received and applied Clarification of which entity has authority over this loan and foreclosure Written confirmation whether the XX/XX/year> foreclosure sale has been stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the incorrect information listed on my credit report concerning an account with the creditor DPT ED/AIDV, account number XXXX. The current balance of this account is reported as {$7800.00}, with a derogatory status. However, I have no knowledge of this debt and have never entered into any agreement or transaction with this creditor. On three occasions, I have previously filed disputes regarding this account with the credit reporting agencies, specifically on XX/XX/year>, XX/XX/year>, and XX/XX/year>, each time categorizing the issue under 'Incorrect Details. ' Despite these efforts, the account remains inaccurately listed on all three of my credit reports ( XXXX, XXXX, and XXXX ), and my credit scores continue to suffer significantly, standing at XXXX, XXXX, and XXXX respectively. This incorrect information is severely impacting my financial standing and has resulted in the denial of credit applications, increased interest rates, and a general inability to secure fair financial services. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. The persistent reporting of this incorrect account is a clear violation of my rights under this law. I am requesting the complete removal of this account from all three major credit bureaus. This resolution is necessary to restore my credit standing and prevent further financial harm. I expect prompt action to ensure compliance with federal regulations governing credit reporting. Thank you for your attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: Tilt Finance, Inc.
State: CA

Complaint narrative:
I disputed charges on my account after discovering transactions that I do not recognize and did not authorize. Upon discovery, I promptly contacted the company and requested a formal investigation. The dispute was denied based on timing, not on any verified proof that the transactions were authorized. I submitted a written request for reconsideration and asked for a full investigation, including documentation showing authorization ( such as device data, IP logs, or authentication records ). I also requested details of the investigation and whether a chargeback was initiated. The company responded stating only a preliminary investigation was conducted. Their conclusion relied on perceived awareness of the charges and the time between the transactions and when I reported them. They did not provide any evidence proving that I authorized the transactions. I challenged this response and again requested proof of authorization and details of their investigation methodology. The company then stated that no further investigation would be conducted and directed me to resolve the issue with the merchant. At no point has the company provided verifiable evidence that I authorized these transactions. Their denial is based on assumptions and timing rather than documented proof. I believe the company failed to conduct a reasonable investigation and did not meet its obligations in handling my dispute. I am requesting that they either provide documented proof that the transactions were authorized or remove the charges and any associated fees or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account reported by Columbia Debt Recovery LLC ( Genesis ) on behalf of XXXX XXXX at XXXX XXXX. I vacated the apartment in XXXX XXXX after direct communication with the leasing office. I was instructed to find a replacement tenant, which I successfully secured by XX/XX/year>. The landlord refused to accept the replacement and proceeded to charge me accelerated rent, liquidated damages, and additional post-vacancy charges. The account statement clearly shows both accelerated rent and liquidated damages being applied simultaneously, which appears duplicative and punitive. No documentation has been provided demonstrating mitigation of damages, re-renting efforts, or justification for rejecting a replacement tenant. I formally disputed this debt with the collection agency and credit bureaus. The collectors response consisted only of a balance summary and a lease copy, without providing meaningful validation of the charges or addressing the mitigation issue. Despite this, the account continues to be reported as accurate. I request : 1. Immediate deletion of this account from all credit reporting agencies due to inaccurate and unverified reporting. This debt remains disputed, and the reported balance does not accurately reflect a legally enforceable obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint again because Capital Ones previous response did not address the core issue. Around XX/XX/year>, I applied for a Capital One Savor Rewards credit card based on a promotional offer advertising a {$200.00} bonus after spending {$500.00}, along with a 0 % APR introductory period. I relied on this promotion when making my decision to apply and use the card. I completed the required spending in good faith. However, I was later informed by customer service that the bonus was optional and would not be honored. No clear explanation or written terms were provided to justify this denial. At no point during the application process was it disclosed that the offer might not apply. Capital One later stated that the offer attached to my account did not include these benefits. However, they have not provided any proof of what offer was actually presented to me at the time of application. This raises serious concerns about misleading or unclear marketing practices. Additionally, my account was restricted due to an identity verification issue. I submitted multiple documents, including my drivers license and bank statements, but the issue was not resolved promptly. This restriction limited my ability to use the card and benefit from any promotional terms, including the 0 % APR period. During my attempts to resolve this issue, I contacted customer service multiple times. On one occasion, I requested escalation to a supervisor, but the representative refused and disconnected the call abruptly. This behavior was unprofessional and was not addressed in the companys prior response. I made multiple good-faith efforts to resolve this directly, but Capital Ones response failed to address the misleading nature of the promotion and the service issues I experienced.

Company response to consumer: Closed with explanation