vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I received a text saying that my XXXX account was debited {$2000.00} and to XXXX and I spoke supposedly to a XXXX XXXX XXXX. He gave me his badge and when I asked if this was a scam and I kept telling him I was uncomfortable he said I assure you you are protected by the FTC for up to {$250000.00} this call is being recorded and he was extremely professional and convincing. He told me in order to get my money back into my Citibank account, I would have to create an account using the first four and last four letters of my name XXXX XXXX. I did this believing that he was truly assisting me and he told me we can only move {$1000.00} at a time but he needed assistance from XXXX XXXX XXXX who was supposed to be another agent because he wasnt allowed to do the transfer. So he had me on the line and he said that I was supposed to transfer the {$1000.00} to the fake account he made me create and as I was doing it {$1000.00} was immediately taken out of my account and went to XXXX XXXX XXXX. I know this woman exists because her phone number is on my XXXX account as XXXX. I called that number and told her that I knew she took my money on XX/XX/XXXX and then I am a XXXX and I needed my money back and she said you dont know me and called me a XXXX and hung up the phone. I have made several attempts to to retrieve my money back and have been denied twice by Citibank even though I gave them all the fraudulent information. I am a XXXX  on a fixed income and had to borrow {$1000.00} from my daughter to make my rent in the next three days from this fraudulent act. I would wish pleased to intervene and get Citibank to get my XXXX dollars back or give me my XXXX dollars back because Ive been a true victim of a scam and a long time customer of Citibank for over 40 years and have never done anything fraudulent or underhanded to undermine my accounts. I have also filed an Appeal with Citibank and filed a report with all the information I reported here

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 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage servicer, Mr. Cooper, failed to timely pay my homeowners ' insurance premium from escrow, despite the policy being auto-renewing and escrowed.

The homeowners ' insurance policy was scheduled to renew effective XX/XX/year> and was paid through escrow. The insurer, XXXX, invoiced Mr. Cooper for the renewal and followed up multiple times, requesting payment. Mr. Cooper did not remit payment, and coverage lapsed for 5 days.

During this period, I was not notified of any required borrower action. No renewal action, acceptance, or authorization was required of me under the policy. The policy was auto-renewing, escrowed, and payment alone was sufficient to maintain coverage.

After I independently paid the insurer and provided proof of the active policy to Mr. Cooper, Mr. Cooper immediately overnighted a payment to Allstate. This action confirms the lapse was caused by delayed escrow disbursement rather than borrower inaction.

Mr. Cooper later claimed that borrower acceptance was required for renewal, but has been unable to identify any documentation, notice, or communication supporting this claim. This explanation is inconsistent with the insurers billing history and the fact that payment alone resolved the issue.

This escrow servicing failure exposed me to uninsured loss and directly contradicts the stated purpose of escrow management.

I am requesting : Written acknowledgment that the insurance lapse resulted from escrow servicing failure Written confirmation that there was no gap in coverage, or that coverage was retroactively reinstated effective XX/XX/year> Removal and refund of any force-placed insurance or related charges Correction of escrow handling procedures to prevent recurrence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I XXXX XXXX have filed numerous complaints regarding the handling of my funds with Navy Federal bank. The bank is continuing to commit fraud. They are withholding funds in order to distribute where they are wanting to versus where the payment should have been applied. I have proof I made a transaction on XX/XX/XXXX of XXXX. The bank sent me a text message regarding the transaction on XX/XX/XXXX, however today when I log into my account, the transaction from XX/XX/XXXX did not go through because the bank held the funds and applied the money towards loans that I owed the bank and that are now pending whereas the transaction that I made has cleared, it are only {$49.00} of the XXXX that was to be applied for a hotel stay. I have screenshot proof of the Bank texting me on XX/XX/XXXX. A knowledge in that transaction which is a debit transaction. The loan payments were not due until XX/XX/XXXX by that time that debit transaction of {$700.00} should have cleared, leaving no money for the loan payments. I am requesting a thorough investigation with CFPB regarding this on going fraud with Navy Federal again I have made several complaints all going unnoticed after this complaint I will be seeking legal action. As can be seen in the photo proof submitted the transaction for XXXX XXXX of {$49.00} cleared whereas that payment shouldve been a {$700.00} clear Navy Federal payments are pending because they were not due at the time of that transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized cryptocurrency transactions that occurred on my Crypto.com account. 

On [ XX/XX/year> ], funds were transferred out of my Crypto.com wallet without my authorization. I did not initiate, approve, or benefit from these transactions. Within 5 minutes of getting an alert in my XXXX that a token was added to my account and my funds were in processing status to be sent out, crypto.com wasnt able to freeze my account fast enough. Crypto.com later stated that the transactions occurred during an authenticated session using my credentials, but they have not addressed the possibility of session hijacking, application-level compromise, or other security failures beyond user credential changes. Per login check on the security end of their app, it says they allowed an unauthorized login attempt and let the person transfer over XXXX of my hard earned money out of my account. 

There were no changes to my registered email, passcode, or security settings prior to the incident. I promptly reported the incident and cooperated fully with Crypto.coms investigation.

Crypto.com denied reimbursement and placed responsibility solely on me, despite acknowledging that the transactions occurred within their platform and infrastructure. 

I have since filed an official police report and compiled a comprehensive evidence package, including transaction hashes, timestamps, wallet addresses, and communications.

I am requesting that Crypto.com escalate this matter to their Legal and Insurance teams for review under any applicable crime, digital asset, or custodial insurance policies, and that they cooperate fully with law enforcement.

I am seeking a fair and good-faith resolution, with my funds or a part of my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry and attempted credit card application that occurred without my informed consent. 

While checking out on the XXXX XXXX mobile app, I was presented with a prompt stating that I could use a {$30.00} promotional credit from my prior statement. At no point did the screen disclose that this was a credit card application. The wording indicated a promotional or statement credit, not an application for new credit. 

After selecting yes, I was asked only for my name, last four digits of my Social Security number, and income. I was never shown clear and conspicuous disclosures that I was applying for a credit card. I was never shown APR, interest rate, fees, credit terms, or issuer information prior to any consent. The words credit card application did not appear in any clear or prominent way. 

Within minutes, I received alerts from my credit monitoring service that a hard credit inquiry had been placed on my credit report by Synchrony Bank. I did not knowingly authorize a credit application or a hard inquiry. 

Any purported consent was not informed and was obtained through a misleading and deceptive checkout flow. Presenting a credit card application as a promotional credit from my statement is materially misleading to a reasonable consumer, especially in a mobile checkout context.

I am requesting : 1. Immediate closure of any account that may have been opened 2. Removal of the hard inquiry from my credit report 3. Written confirmation that no credit account remains open 4. A review of this deceptive enrollment practice This inquiry has caused distress and potential harm to my credit profile and should not have occurred without clear, informed consent.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC
State: LA

Complaint narrative:
In XXXX  I opened an account with XXXX. I thought the account had been paid in full being that they stopped taking payments out of my account and it never showed up on my credit. It still isn't on my credit and I have never received any calls regarding this debt. Now, 6 years later a company called Summit is calling all of my family members threatening to sue me over this so called debt. However, I still have not received a call at all. When I called them back asking for a copy of the contract and payment history showing amount owed, they refuse to send it. They are threatening to sue me if I do not set up a payment plan. I have tried reaching out to XXXX directly, but can not get anyone on the line or to return my calls.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AFFIDAVIT OF FACT UNAUTHORIZED INQUIRIES I, XXXX XXXX, hereby declare under penalty of perjury pursuant to 28 U.S.C. 1746, as follows : 1. I dispute all hard inquiries appearing on my credit report for which no written, electronic, or verbal authorization was provided.

2. Any inquiry lacking a permissible purpose violates 15 U.S.C. 1681b ( a ).

3. I demand strict proof of authorization for each disputed inquiry, including : o Original signed application o Method of consent o Date, time, and purpose of inquiry.

4. Automated verification systems ( including e-OSCAR ) do not satisfy reinvestigation requirements under 15 U.S.C. 1681i ( a ). 5. Any inquiry that can not be verified with documentary evidence mus
t be deleted immediately.

6. Continued reporting of unauthorized inquiries constitutes : o Inaccurate reporting ( 1681e ( b ) ) o Willful non-compliance ( 1681n ) o Negligent non-compliance ( 1681o )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
AFFIDAVIT OF FACT UNAUTHORIZED INQUIRIES I, XXXX XXXX, hereby declare under penalty of perjury pursuant to 28 U.S.C. 1746, as follows : 1. I dispute all hard inquiries appearing on my credit report for which no written, electronic, or verbal authorization was provided.

2. Any inquiry lacking a permissible purpose violates 15 U.S.C. 1681b ( a ).

3. I demand strict proof of authorization for each disputed inquiry, including : o Original signed application o Method of consent o Date, time, and purpose of inquiry.

4. Automated verification systems ( including e-OSCAR ) do not satisfy reinvestigation requirements under 15 U.S.C. 1681i ( a ). 5. Any inquiry that can not be verified with documentary evidence mus
t be deleted immediately.

6. Continued reporting of unauthorized inquiries constitutes : o Inaccurate reporting ( 1681e ( b ) ) o Willful non-compliance ( 1681n ) o Negligent non-compliance ( 1681o )

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Re : Account XXXX I am disputing the above-referenced account. I previously disputed this account through the credit reporting agencies. Midland Credit Management verified the account electronically ; however, I have never been provided proper validation as required under the Fair Debt Collection Practices Act. 

Please provide competent evidence that I am the correct consumer, including : A copy of the original application or agreement Original statements from XXXXXXXX XXXX XXXX XXXX  showing my name and account history Documentation demonstrating lawful assignment of this specific account to Midland Credit Management Generic account summaries or portfolio-level bills of sale are not sufficient. Until proper validation is provided, this account remains disputed. 

I am not acknowledging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I called TD bank to inquire a balance left on a gift card. I spoke with XXXX and he told me he could not provide me any information without the name of who purchased the card and directed me to another website. I tried that website and it wouldnt let me verify there either. I called back and got XXXX on this call again as well. He again told me he couldnt give me any information without the name of who purchased the card. Who purchased the card should be irrelevant if its a prepaid gift card. I asked to speak to a supervisor and was transferred to XXXX. He tried telling me the same thing as well. If you would for a major corporation and there are thousands of employees there is no way of finding out who actually purchased the card. He said the only other way would be giving him transaction details. How is this possible if its never been used. He said, even a card denial would work. So I hoped onto XXXX and tried to buy something online and it was denied. I informed him XXXX denied the card- he stated he then needed the denial amount. That is finally when he informed me there were no funds left on the card because they take {$2.00} every month the card is not used. Why couldnt this information have been given to me hours ago in the first place?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report from XXXX. I did not authorize these inquiries, nor did I apply for credit with the companies listed. These inquiries are fraudulent and should not be associated with my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of all unauthorized inquiries from my credit report. Please provide written confirmation once these inquiries have been deleted. 

I am prepared to provide any documentation needed, including identification or an identity theft affidavit, to support this dispute. 

Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I disputed inaccurate account information furnished by Capital One. Following disputes submitted in XX/XX/year>, the account was deleted from my consumer reports. 

Capital One continues to furnish the same negative information to consumer reporting agencies after deletion, resulting in unlawful reinsertion. Capital One has failed to conduct a reasonable investigation and failed to correct inaccurate reporting, despite notice. 

Capital Ones continued furnishing has directly contributed to reinsertion by Experian and Equifax and ongoing credit reporting harm.

The alleged debt has been assigned, and continued furnishing listing me as the personal obligor is inaccurate. 

A physical copy of the letter was mailed Certified Tracking : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I am submitting this complaint regarding Barclays Bank Delawares refusal to offer any reasonable financial hardship or payment arrangement on my closed credit card account, despite my good-faith efforts to resolve the balance directly with the creditor. 

My current balance is {$6000.00}. Although the account is closed, Barclays continues to add significant interest and fees. On my most recent statement, {$140.00} in interest and {$39.00} in fees were added in a single billing cycle, causing the balance to increase even after I made a payment. I am also shown as past due {$290.00}, with an additional payment expected the following month, which is not affordable due to financial hardship. 

I contacted Barclays at the phone number provided and requested a payment arrangement or hardship assistance. I was told that I am not eligible for any internal payment plan and was instead referred to a third-party credit counseling agency. I am willing to repay this debt, but I want to work directly with Barclays and not through a third party. Barclays has refused to confirm whether it offers any financial hardship or loss mitigation options for closed accounts. 

Additionally, Barclays has not provided clear information on : Whether interest and fees can be suspended during hardship Whether payments made directly to Barclays would prevent or delay transfer to a collection agency What interest rate is currently being applied now that the account is closed This leaves me in an untenable position where continued payments do not meaningfully reduce the balance, and there is no transparency regarding whether the account will be sent to collections regardless of payment. 

I am not refusing to pay this debt. I am requesting a fair and transparent resolution that does not continue to increase my balance due to interest and fees while no assistance options are offered.

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 2025-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank placed a restriction on my credit card account and required immediate verification.

I contacted customer service on three separate occasions to complete identity verification by phone. Despite my full cooperation, the verification attempts failed due to communication and transcription issues during the process, including incorrect spelling of my security word and misunderstandings of verbal verification questions.

As a result, I was placed into a mail-only verification process with an estimated 710 business day delay, without being offered any alternative real-time, electronic, or in-branch verification options.

I am a customer in good standing and am able and willing to verify my identity through secure methods. This process has caused unnecessary disruption to my access to my account. I am requesting Citibank to provide a reasonable alternative verification method or clearly justify why no expedited option is available.

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