vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
In approximately XX/XX/year>, I contacted Citibank and requested a product downgrade from the Citi Strata Premier card to the Citi Custom Cash card, which has no annual fee. The request was confirmed at that time. I made this request approximately XXXX month before my renewal date to ensure the annual fee would not be charged. Despite this, on XX/XX/year>, Citibank charged my account a {$95.00} annual fee. Upon seeing the charge, I contacted Citibank to request removal. The fee was not resolved at that time and was subsequently paid in full via my automatic payment, meaning the {$95.00} has already been debited from my personal checking account. I called Citibank again on XX/XX/year> to request an immediate refund. After approximately XXXX minutes ( including extended hold time ), the representative acknowledged the issue but could not confirm resolution. I requested : ( XXXX ) escalation to a supervisor denied ; ( XXXX ) email confirmation or written follow-up denied ; ( XXXX ) an internal case number for tracking denied. No corrective action was taken. Additionally, Citibank 's digital platform allows customers to dispute any charge by clicking on the transaction except the annual fee, which has no dispute option. This blocks the standard consumer remedy for the XXXX charge most likely to require it. I am requesting : a full refund of {$95.00} plus interest from the date of payment ; written confirmation the downgrade has been completed ; and assurance no future annual fee will be charged.

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 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report, I have determined that the late payment notations associated with this account are inaccurate, misleading, and/or incomplete Account Name : XXXX XXXX XXXX XXXX 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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am filing a complaint against MOHELA and XXXX for improper servicing of my federal student loans. XXXX. PSLF Processing Failure : I submitted my Public Service Loan Forgiveness ( PSLF ) application via certified mail with all required, verified documentation. My application was denied without clear explanation. I had to wait over an hour on the phone on several occasions to attempt to resolve the issue. XXXX. Inaccurate Credit Reporting : After a portion of my loans were officially forgiven MOHELA continued reporting the loan as active debt to the credit bureaus. This inaccurate reporting negatively impacted my credit profile. XXXX. Failure to implement Department of Education Discharge : The U.S. Department of Education directed that my loans be discharged. MOHELA failed to timely implement this discharge and continued improper reporting. XXXX mislead and denied me from consolidating all of my student loans and placing them Income Driven Repayment Plan at the same time. A portion of the loans were placed in deferment and caused my loans to balloon with capitalized interest.. This information provided by XXXX delayed a favorable payment plan for all of my loans at the same time. XXXX years later I was told I could have consolidated all my loans at the same time. The malpractice acts from both MOHELA and XXXX have contributed to the overwhelming amount of accrue debt from what I originally borrowed

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Issue is with Capital One Credit Card. I made a first payment in XX/XX/XXXX ( before due date of XX/XX/XXXX ) of XXXX, XXXX. Then somehow Capital One had started the process to automatically deduct XXXX from my checking account on XX/XX/XXXX. When I called to dispute and stop that payment I was told they could not stop the payment because it was already in process. I explained that I did not authorize them to go into my account and make the deduction as I have turned off the automatic payments on my account. The representative stated it showed up on their end as an automatic deduction. I then asked for that payment to be applied to XXXX. The representative at that time stated it would be applied for XXXX. However, I looked at my account and the payment of XX/XX/XXXX of XXXX was not applied toward XXXX. I called on XX/XX/XXXX, and requested the payment made on XX/XX/XXXX be applied to XXXX I was told the payment would not be reflected for XXXX because I made the payment before the statement closed in XXXX. I spoke with a supervisor who stated the same reason as to why this payment would not be applied to XXXX. I disagree with this decision and believe this second payment should be applied toward the XXXX payment since the payment for XXXX was made on the XXXX. Therefore, I am requesting assistance to resolve this issue with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: NH

Complaint narrative:
Company : Capital One Product : Capital One Offers ( linked to Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I signed up for XXXX XXXX XXXX through a promotional offer displayed in the Capital One Offers portal within my Capital One XXXX credit card account. The offer advertised a reward of XXXX miles if I completed the signup through the Capital One offer link. I accessed the offer through my Capital One account, clicked the promotional link, and completed the signup with XXXX. I have continued to use the service since that date. However, the promised XXXX miles reward was never issued. I contacted Capital One customer service to inquire about the status of the reward. During the call, the representative confirmed that the issue was not related to the payment method and acknowledged that customers are not required to use a Capital One card to complete the purchase. However, the representative stated that because the offer did not track in their system, they would not investigate the issue further since the transaction was not completed using a Capital One credit card or debit card. The terms and conditions of the offer did not disclose any requirement that the purchase or subscription must be paid using a Capital One payment method. Additionally, XXXX requires payment via bank account to obtain its best advertised pricing for this service, which is how the service was set up. I offered to provide documentation confirming that I signed up through the Capital One offer link and that I have continuously used the service since that date. Capital One declined to review any documentation and stated they could not assist further. This appears to be a misleading or deceptive promotional practice. The offer encouraged customers to sign up through the Capital One portal and complete the transaction with the merchant, but it did not clearly disclose a requirement that a Capital One payment method must be used to qualify for the reward. As a result, the promised XXXX miles reward was denied after the transaction was completed. I am requesting that Capital One review this case and honor the advertised XXXX miles reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: VA

Complaint narrative:
COMPLAINT AGAINST NATIONAL SERVICE BUREAU ( NSBI ) AND XXXX Background : I ordered diamond earrings from XXXX ( Order # XXXX ) on XX/XX/XXXX, for {$8400.00}. The order required signature upon delivery. Non-Delivery & Fraudulent Signature : On XX/XX/XXXX, XXXX marked the package as " delivered '' with a signature. The signature is an illegible scribble and is NOT mine. I was not home at the timeI was at a XXXX appointment with my mother. I never received the merchandise. XXXX 's Conflicting Claims : XXXX first claimed delivery, then falsely claimed I returned the item and issued a refund ( which never posted ). Despite providing evidence, XXXX refused to resolve the matter and demanded a police report. XXXX Final Ruling in My Favor : I disputed the charge with XXXX. On XX/XX/XXXX, XXXX issued a FINAL verdict in my favor ( Case # XXXX ), permanently crediting the amount. The chargeback was upheld under federal Regulation Z ( Fair Credit Billing Act ) because XXXX failed to provide valid proof of delivery. Police Report Filed : At XXXX 's demand, I filed a police report with XXXX XXXX Police on XX/XX/XXXX ( Report # XXXX ), documenting the fraudulent signature and non-delivery. I provided this report to XXXX immediately. XXXX Referred Invalid Debt to Collections : Despite losing the chargeback and receiving the police report, XXXX referred this invalid debt to National Service Bureau ( NSBI ) for collection. NSBI 's Actions : NSBI sent a collection letter ( Reference # XXXX ) demanding {$8400.00}. I called NSBI to explain the situation and the truth that I never received the product. The NSBI agent dismissed my evidence, stating that " the Credit card company usually will return the charge if you dispute but XXXX needs the money and will come after me. '' They admitted they will pursue supporting XXXX regardless of the facts. On XX/XX/XXXX, I sent a formal written dispute to NSBI via email ( accepted per their instructions ), attaching : XXXX Final Verdict Letter Police Report # XXXX Legal Violations : Attempting to collect a debt not owed The debt was invalidated by XXXX 's final ruling. FDCPA violations Continuing collection after receiving a valid dispute with evidence. Unfair/deceptive practices NSBI admitted they will side with XXXX regardless of evidence. XXXX XXXX XXXXXXXX XXXX violations XXXX referred an invalid debt after losing the chargeback. Harm Suffered : My XXXX membership ( # XXXX ) remains blocked, preventing me from using a service I pay for. I am being harassed by a debt collector for a debt that does not exist. IMPORTANT : I fear this may impact my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I was being XXXX as didnt even attend the classes and didnt even have XXXX until the next year. I am current embroiled in a suit and need this off my credit the loan requirement were not met and falsely obtained in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This as a fraudulent takeover of my account. I was told by the Citibank fraud XXXX that my physical and email address was changed, as well as my password and secret verification code, From XXXX XXXX to XXXX. there were XXXX XXXX debits of {$2500.00} each and on wire transfer of {$2400.00} that I never authorized and to a party I never heard of, none of which I authorized. I received an alert from the bank on XXXX XXXX, and called them immediately. The told me that I authorized the changes to my profile and the transactions, and that they were completed. I immediately when to a branch, transferred the account balance and and placed a hold on the account, as my XXXX deposits will still be made to the account for XXXX months.

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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
A collection account from Jefferson Capital Systems is being reported on my credit reports for an alleged debt originally from XXXX XXXX. I dispute the validity of this debt and requested proper validation, including documentation showing ownership of the account and a complete chain of title from the original creditor. The company has continued reporting this account without providing sufficient verification, a signed agreement, or documentation proving their authority to collect and report this debt. As a result, the account is being inaccurately reported. I am requesting that the company either provide proper validation of the debt or delete the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridge crest car had a recall on it I paid thousands for shop work and car still gave problems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
I am submitting this complaint regarding American Express and the closure of my American Express Business Platinum Card account along with the forfeiture of approximately XXXX Membership Rewards points. On XX/XX/XXXX American Express notified me that my XXXX XXXX XXXX account had been closed. The letter I received stated that the company may cancel accounts pursuant to the card agreement and that the decision can not be reinstated. The letter also indicated that my accumulated Membership Rewards points were forfeited. At the time of closure, I had approximately XXXX Membership Rewards points, which represent a substantial value that was earned through legitimate spending on the account. These points were accumulated through normal use of the card for business expenses and in accordance with the program rules as I understood them. The notification I received did not provide any explanation for the closure of the account or the forfeiture of my points. I was also not provided with any opportunity to redeem the points or transfer them prior to forfeiture. Given the significant value involved, this outcome feels disproportionate and unfair. I respectfully request that American Express : Provide a clear explanation for the closure of my account and the forfeiture of my Membership Rewards points. Reconsider the forfeiture of the approximately XXXX points that were accumulated through spending on the account. At minimum, allow a reasonable redemption window so that I may use the points that were previously earned. I have been a customer of American Express and relied on the Membership Rewards program as a key feature of the card. Losing such a large number of earned points without explanation has caused significant financial harm. I appreciate the CFPBs assistance in facilitating a fair review of this matter and helping obtain a reasonable resolution. Given the substantial value of the forfeited Membership Rewards points, I am seeking a fair resolution through this complaint process. If the matter can not be resolved through this channel, I will need to consider the dispute resolution options available under the American Express Card Member Agreement, including arbitration. My preference, however, is to resolve this matter cooperatively and without the need for further proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America scammed me because I am elderly. They initiated a fraudulent bank transfer of {$2700.00} and deposited it into an account that had no balance to another credit card. They paid the {$2700.00} leaving me with a negative balance on the new card because there was no balance to pay off. Then the bank added that {$2700.00} to my Bank of America account balance. I had already initiated a bank transfer myself to lower my balance from Bank of America with XXXX credit card. The miscommunication resulted in XXXX BANK TRANSFERS OCCURRING AT THE SAME TIME. When I called Bank of America they canceled the bank transfer to the other credit card and tried to keep the money that transfer generated. Because it had been approved already. Then paid off a negative credit card with no balance. Why would I initiate XXXX bank transfers at the same? Bank of America said I was at fault and there is nothing that can be done. All I wanted to do was pay off Bank of America balance with XXXX XXXX XXXX to get travel perks. Bank of America refused to reverse the transfer and added the {$2700.00} to my balance. I am on a fixed income. I will certainly pay whatever charges I incurred from purchases. But can not pay money paid off to a negative balance card then adding that high amount of money to my Bank of America account. I wanted transaction reversed they refused and said I had to pay {$2700.00} with nothing to show for it.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conduent Incorporated
State: CA

Complaint narrative:
Way2go card transaction that I never made I just notice that today and I cancel the card already but the money that the XXXX XXXX process whats going to happen this fraudulent transaction been going on since XX/XX/year> to XXXX need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing and demanding the immediate removal of the charge-off account currently being reported on my credit file. Upon thorough review, it is clear that this account is being furnished in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as the information reported is inaccurate, incomplete, and unverified. Under FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to challenge any information that is unverifiable, incomplete, or demonstrably false. To date, the furnisher has failed to provide any competent, admissible evidence validating this alleged debt, including but not limited to : A signed contract or agreement in my name Proof of lawful ownership or assignment of the debt Evidence establishing my authorization, liability, or obligation A complete and accurate itemization of the balance allegedly owed

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I recently became aware of a collection account that may be associated with my name. However, I have not received sufficient information regarding this alleged debt. I am requesting full validation of this account. Please provide documentation showing the original creditor, the amount of the alleged debt, the account number, and proof that I am legally responsible for this debt. If you are unable to provide proper validation, I request that this account be removed from my credit file and that all collection activity cease. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
There is a full narrative brief in the uploads for more information ; I'm on S.S.I. fixed income XXXX unlawfully took {$570.00} out of my account while current with no approval and no payment arrangement in place or owed and o auto pay enabled. when brought to their attention they return XXXX XXXX days latter and refused to return or discuss further the other moneys, turning it into XXXX stolen governmental supplemental income, larceny from building and fraudulent transfer of electronic funding, when mention reporting them for their actions the agent laughed mocked me and said nobody going too do any thing they do this all the time.... XXXX phone recording date XXXX XXXX their are other issues of false advertisement, deceptive business practices & tactics, promises of things to induce purchases or contracts then refusing to perform on promise.

Company response to consumer: Closed with explanation