vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I was denied a Citi XXXX XXXX, Application ID XXXX. Citibank 's stated denial reason was " a delinquent credit obligation, either paid or unpaid, recorded on my credit bureau report. '' The consumer reporting agency used was XXXX. This delinquent obligation was a fraudulent federal student loan taken out in my name without my knowledge or authorization. Someone used my stolen identity to enroll at XXXX XXXX XXXX University and obtain a {$1500.00} Direct Subsidized Loan through XXXX. The loan was disbursed XX/XX/year> one day before my Citibank denial. I am a documented identity theft victim with the following active cases : FTC Identity Theft Report # XXXX XXXX XXXX Police Department Report # XXXX CFPB Complaint against XXXX # XXXX XXXX False Certification Discharge filed and in active review as of XX/XX/year> XXXX confirmed account closed and balance zeroed XX/XX/year> Citibank 's own denial letter states : " If your credit report changes as a result of a dispute, please give us a call within 60 days so we can re-evaluate our decision. '' The fraudulent tradeline is actively being removed through the discharge process. I am requesting Citibank reconsider my application and extend the reconsideration window due to documented identity theft fraud beyond my control. I called today and were placed on a 30-minute hold with no guarantee of reaching anyone who could help. You made a good faith attempt to contact them and were unable to reach a resolution.

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 2026-05-18 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: IN

Complaint narrative:
I am writing to dispute the Six " late '' payment status reported on my account : XXXXXXXX XXXX XXXX XXXX, Late Payment XXXX ( 30 days ), XXXX ( 30 days ), XXXX ( 60 days ), XXXX ( 30 days ), XXXX ( 30 days ) and XXXX ( 30 days ), which has been furnished to Experian and XXXX. Pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures to ensure that the periodic statementincluding all information required under section 1637 ( b ) was delivered to the consumer no less than 21 days before the payment due date. Therefore, I formally request the following : * Copies of each periodic statement sent in connection with the disputed payment. * Documentary proof that said statements included all information required by 15 U.S.C. 1637 ( b ). * Proof of delivery or mailing showing the statements were sent at least 21 days prior to the due date of the payment marked as late. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), any financial institution that extends credit and provides negative information to a nationwide consumer reporting agency must provide a specific written notice to the consumer. I request : * Proof of such negative information notice, including tracking number, date stamp, and evidence of mailing in compliance with the statutory timeframe. This request is made in good faith pursuant to Federal Rule of Evidence XXXX. You have 30 calendar days to respond. Failure to provide satisfactory evidence will result in this matter being escalated to the appropriate regulatory agencies.

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
am submitting this complaint regarding a Mercedes-Benz Financial Services auto lease account currently being reported as a repossession with an outstanding balance of approximately {$29000.00}. The vehicle had repeated unresolved mechanical and/or defect-related issues during my ownership, and I previously attempted to pursue a buyback request before the vehicle was surrendered. Due to the ongoing issues and inability to continue with the vehicle, I contacted Mercedes-Benz Financial Services and requested that the vehicle be picked up. The vehicle was then surrendered/recovered approximately two years ago and has already been auctioned. Despite the vehicle no longer being in my possession and having been sold at auction years ago, the account continues reporting a large deficiency balance. I am requesting validation and documentation supporting the remaining balance, including : * Full deficiency balance calculation * Auction/sale documentation * Notices sent regarding the sale and deficiency * Documentation supporting the repossession classification * Documentation or recordings related to the surrender/pickup request * Verification that all reporting to the credit bureaus is accurate I also dispute the classification of the account as a repossession because I voluntarily contacted the company regarding surrendering the vehicle after ongoing unresolved issues and prior buyback discussions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
I called the company and they told me to look for the identity theft letter and they took away the collection and they haven't taken it away. I made my online identity theft report and I have my PDF and they don't want to take away that collection of XXXX and XXXX and I have my proof and they are violating my right if you didn't take legal rights IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, and # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Thursday XX/XX/XXXX {$1700.00} was taken from my checking account by someone who made a fraudulaent charge using my debit card on XXXX. It is not Monday XX/XX/XXXX, and I still do not have my funds back.

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 2026-05-19 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: NM

Complaint narrative:
I financed a landscaping project through Synchrony Bank that included installation of outdoor natural gas lines. I later discovered the individuals/company performing the work were not licensed to install gas lines, and an official letter from the New Mexico XXXXXXXX XXXX XXXX XXXX confirms this and states an active investigation is ongoing. The financed transaction involved contractor misrepresentation, including different business entities being used during advertising and financing. I submitted this official documentation to Synchrony Bank in support of my dispute, but the dispute was closed claiming the documents were not received. I am requesting a formal review of this matter and full removal of the balance associated with unlawful and unlicensed work performed at my property.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I entered into a payment arrangement with Midland Credit Management on or around XX/XX/XXXX regarding a judgment account. Despite this arrangement, a writ of garnishment was later issued on or around XX/XX/XXXX, and wage garnishments began being deducted from my paycheck. In addition to the wage garnishments, I also made direct payments toward the account. According to the records and information available to me, the judgment/account balance was reportedly satisfied and reflected as {$0.00} on or around XX/XX/XXXX. However, despite the account allegedly being satisfied, additional wage garnishments continued afterward, including deductions on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I repeatedly attempted to obtain clarification regarding why garnishments continued after the balance reportedly reflected {$0.00} and why collection activity was not timely stopped. I later became aware that funds connected to the continued garnishments were returned. However, this only increased my concern regarding why wage garnishments continued after the account had allegedly already been satisfied and reflected as resolved. My concern is not limited to the return of funds, but whether proper procedures were followed to timely stop collection activity and terminate the garnishment once the judgment balance had reportedly reached {$0.00}. The timeline, continued wage deductions, and later actions taken by Midland appear contradictory and raise serious concerns regarding continued collection activity after the account should have already been resolved. This situation caused significant financial hardship and stress, especially while serving as a XXXX for my mother and managing ongoing household and financial responsibilities. I am requesting a review of the collection and garnishment procedures used in this matter and a written explanation reconciling the account satisfaction timeline, continued garnishments, and the actions taken afterward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX Citi Bank has frozen my account.On the same day I have called to see what was the problem, Citi Bank said they trying to resolve the issue and they will give me a call.So on XX/XX/XXXX I had to reach out to them again to see whats going on, Citi Bank told me I made to many transactions and Citi Bank is closing my account which didnt make sense.So Citi Bank said they will be sending me out a check.Ive waited till XX/XX/XXXX still nothing.So on XX/XX/XXXX I had called Citi Bank again to see whats the hold up and they told me my account is still open.Which I dont understand the hold up or why I cant spend my funds.Its almost a month with nothing.I have bills thats past due.Citi Bank have spoke to the other party of the check and got information and cleared it.So I dont understand whats the hold up.This is bad for me I need to resolve this issue ASAP

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was hacked and {$940.00} was removed in total but in different transactions from XXXX to XXXX of 2026, the money was going to someone elses XXXX XXXX.I filed disputes and sent a letter as well as sent screenshots of proof that it did not go to my XXXX XXXX balance. They denied my disputes I appealed and they gave me {$45.00} instead of {$940.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Account Number XXXX * * * * Balance {$9900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: NV

Complaint narrative:
I enrolled in a cybersecurity boot camp program associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after being told that the program would prepare me for a successful career in cybersecurity and lead to high-paying job opportunities. During enrollment, the program was marketed as a pathway into the cybersecurity industry, with claims that graduates could obtain entry-level cybersecurity jobs with salaries close to or exceeding {$100000.00} per year. Based on those representations, I agreed to take out student loans to attend the program. I believed the program would provide the necessary education, skills, and opportunities to begin a cybersecurity career shortly after completion. After completing the program, I discovered that the program was not degree-seeking and that the coursework and credits were not transferable toward a college degree. I also learned that the expectations presented during enrollment were unrealistic. I currently work as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and through my real-world experience, I now understand that it would have been impossible to gain the level of advanced cybersecurity skills and experience necessary for many of the jobs discussed during enrollment within the short timeframe of the program. Although I earned cybersecurity certifications, I have still been denied cybersecurity positions because employers require actual hands-on industry experience in the field. This was not properly explained during enrollment. The program created the impression that completing the boot camp alone would make graduates highly competitive for cybersecurity roles, when in reality, experience requirements are a major barrier to entering the field. I reached out to request information and options regarding my student loans because I believe the program was misleading in the way it represented career outcomes, salary expectations, transferability of credits, and job readiness. I requested information about possible loan cancellation, discharge, or borrower protection options related to the representations made during enrollment. I am currently attending XXXX XXXXXXXX XXXX pursuing my XXXX XXXX degree through XXXX XXXX and I am not using private student loans for my current education. My current educational and professional experience has made the differences in transparency, academic value, and realistic career preparation much clearer to me, which further confirmed my concerns regarding the prior program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the phone number on the back of my credit card. I was on hold for over 35 minutes waiting to speak to an agent. I had to abandon the call due to Bank of Americas excessive hold times. I have the phone call recorded as evidence. Please see attached screenshot as evidence.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citibank recently reduced the credit limit on my credit card account ending in XXXX, even though I had paid off the balance in full and have no late payments or delinquencies on the account. This credit limit decrease caused a significant negative impact on my credit score due to increased utilization across my total available credit, despite my responsible payment history. Citibank did not provide a proper Adverse Action Notice, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681m ) and the Equal Credit Opportunity Act ( 12 C.F.R. 1002.9 ). I did not receive : The specific reason for the credit limit decrease The credit bureau or data used Any riskbased factors or credit score information A legally compliant adverse action explanation When I contacted Citibank, I was given vague statements such as internal review or risk model, which do not meet the legal requirement for a specific, actionable reason for adverse action. I am concerned that the decision may have been based on incorrect or outdated credit report information, or that Citibank failed to follow federal disclosure requirements

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 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I dispute a charge for services not received. The merchant is closed. My bank Bank of America failed to conduct a reasonable investigation under the Fair Credit Billing Act and ignored evidence of the merchant 's closure. The company XXXX XXXX filed for Bankrupcy in XX/XX/year>. I had pre-paid for services not rendered. Bank of America only allows disputes to be filed over the phone. The agent incorrectly filed it as fraud as opposed to a billing dispute. Bank of America immediately rejected the claim saying first that they were rejecting it because my credit card was on autopay and then they rejected the appeal saying that the concern had been filed too long after the initial charge, but they were the ones who took 7 months to get the claim filed correctly and reviewed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
" The company sold me an HEI contract claiming 0 % monthly interest, but they are compounding 19 % interest monthly on a hidden calculator. They have recently sent me written documentation calling themselves a 'mortgage provider, ' which means they are operating an undisclosed, predatory mortgage loan violating the Truth in Lending Act ( TILA ) and exploiting my status as a disabled individual. '' Consumer Financial Protection Bureau. Explicitly state that XXXX XXXX XXXX is using a " contrivance or device '' to mask a usurious loan as an equity investment. Predatory loan, violation of GA criminal usury laws charging 19 % monthly interest on a contract that says no interest GA only allows 5 % legally on a MORTGAGE, which they explicitly call themselves multiple times in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am formally filing a complaint regarding Citibank restricting my access to online banking for an extended period while unauthorized activity can be occur occurring on my account. I am currently unable to monitor transactions, verify deposits, review withdrawals, or protect myself from additional unauthorized activity. I was informed I may need to wait up to 8 weeks for resolution, which is unreasonable and creates a serious financial and consumer safety concern. I have attempted to resolve this directly with Citibank multiple times but have not been provided with adequate access, transparency, or a timely solution. I am requesting immediate restoration of account visibility/access or an alternative secure method to monitor my account activity while the matter is under investigation.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I received a monthly statement on XX/XX/year>. I made a {$70.00} payment that day after viewing the statement. They charged a late fee, and did not give me credit for the payment for the due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief