vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: REGIONS FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX XXXX two charges for XXXX were removed from my account which I had authorized. However the merchant hadn't received the funds. The bank claims the funds have been sent. At which point I request proof of transaction history formally from a woman I spoke with over the phone ( Comdata XXXX XXXX ) she refused and told me with an attitude I had to download the app. I had informed her I dont have availability to do so. And im making a formal request for transaction history. She hungup on me. I called back and spoke with a supervisor and was also met with resistance. A bank should not be able to refuse transaction history.

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 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Issue : Unable to obtain account records ( canceled check images ) Complaint : I am a Citibank customer of approximately 45 years and also maintain a business account with the bank. For the past XXXX months, I have been attempting to obtain copies/images of my canceled checks for the months of XXXX and XX/XX/year> Account Number XXXX. These are the only XXXX months missingcheck images for all other months were successfully provided. I have made over XXXX phone calls and also visited a Citibank branch in person to request these records. Each time, I was assured that the documents would be emailed or mailed to me. However, I have received nothing. These checks are charitable contributions, and I urgently need the images for my accountant to complete my tax documentation. The continued failure to provide these records is causing financial and administrative hardship. It appears this request requires manual retrieval of archived check images, which has not been properly handled or escalated despite repeated attempts. I am requesting that Citibank : Immediately retrieve the canceled check images for XXXX and XXXX Provide them via email or overnight mail without further delay Assign a knowledgeable representative to resolve this matter promptly Given my long-standing personal and business relationship with Citibank, XXXX am extremely disappointed that such a basic request has required this level of escalation.

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 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am filing this complaint against BMW Financial Services regarding a wrongful repossession and inaccurate balance reporting on my auto loan account. During the financial hardship caused by the COVID-19 pandemic, I contacted BMW Financial Services and entered into a payment arrangement in good faith. Despite this active arrangement, my vehicle was still repossessed. Following the repossession : My account was marked as a charge-off The account was transferred to recovery A deficiency balance of {$4100.00} is being reported I dispute this balance and the reporting for the following reasons : XXXX. XXXX occurred despite an active payment arrangement, which I complied with. 2. The {$4100.00} deficiency balance has not been properly validated. I have not received documentation showing how this amount was calculated. 3. I was not provided clear and proper documentation of : The vehicle resale ( auction ) Fair market value applied Full accounting of the remaining balance 4. The reporting of this account as a charge-off with a balance is inaccurate, misleading, and damaging to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$1000.00} XX/XX/year> ( XXXX, XXXX ) XXXX XXXX XXXXXXXX {$1100.00} XX/XX/year> XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Collection Agency Pursuing to consumer law 15 USC 1692 E ) ( 15 USC 1692 J They Are Not Your Original debtor and you dont have a signed agreement with them. DELETE LATE PAYMENT 15 U.S. CODE 1666 ( b ) DELETE COLLECTIONS 15 U.S. CODE 1692 ( g ) DELETE CHARGE OFFS 15 U.S. CODE 1681 ( c ) 2 / 1681e ( b ) DELETE REPOS 15 U.S CODE 1681 ( s ) 15 USC 1681- FCRA 15 USC 1692 - FDCPA 15 USC 1601- TILA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
So the company Ally that I took out the loan for my car on basically reported to the credit bureau that I was late a XXXX on payment when it was clearly stated that the car was paid off XXXX months prior and when I asked for the resolution of the situation they told me Id have to wait an extended period of time before it could be resolved ( XXXX weeks )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
Cash app is the company I sent XXXX to my husband and I didn't realize it was his old cash app account when I tried to cancel transactions it wouldn't let me so he tried to get onto his old account but nothing worked so he and I both contacted customer support and they had us go through all the steps to regain access to old acc but we still couldn't they even tried to close his account and link new account so it would send money to new account and close old but it wouldn't let them I so they said cnt help u anymore.. try bk in 24 hr so I did and same results.i ask them why cnt they just refund me the money and when his account was closed they would get there money said no I ask to talk to higher up just keep getting a run around first they say I can help then after I tell them the issue that they said they have log the complaint but when I get new person they don't see complant. The money was sent on XX/XX/year> and wasn't very long after I contact them and I'm still trying to get the XXXX back from that account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent to the credit bureau to remove the delinquent mark on my credit from LVNV Funding LLC from the amount XXXX. They are a third party and bought the debt so they were not the original creditors. They did removed it off the XXXX, but did not removed it off XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I received an email that the student loan provider failed to respond in a timely manner bellow is copied from the email. Weve alerted the company that its response to your complaint is now past due and that a response is still expected. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports

Company response to consumer: Untimely response
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I received an email from Coinbase that a withdraw from my account was under way for XXXX dollars. I immediately tried the phone number to contact them, to stop the transaction, just to hear there is no phone service. I then tried to navigate the site to inform someone it was not me making the withdraw. After hours of trying to navigate the site. I finally got someone on chat, by then the withdraw had gone through. The tech then froze my account that I could not get on, and informed me that they started an investigation.This made it difficult for me to get in my account.After getting back in my account I had many contacts through phone and chats, for phone you must request they call you.This went on for a month with no real answers.Finally after me threatening to give bad reviews, they got back to me blaming me for the hack, saying I must have let the hackers get my info, but not proving anything all speculation.Stating since it was my fault they will not reimburse

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NJ

Complaint narrative:
} I am filing a complaint against Netspend regarding missing funds from my account. My account statement shows that {$3600.00} was withdrawn on XX/XX/year> and labeled as XXXX. This indicates the funds were transferred to a state as unclaimed property. However, after contacting the appropriate state unclaimed property office, I was informed that they have no record of receiving these funds. I have contacted Netspend multiple times and have only been told the issue was escalated, without being provided any of the required details such as : - The state the funds were sent to - The transfer date - Any escheatment reference or report number If the funds were truly escheated, Netspend should be able to provide this information. If not, then the funds have not been properly transferred and remain unaccounted for. I am requesting a full investigation and documentation showing where my funds were sent, or the immediate return of the {$3600.00} if the funds were not properly remitted. This lack of transparency and failure to account for my funds is unacceptable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
I am submitting this complaint regarding unauthorized account access, mishandling of a fraud investigation, improper reversal of legitimate charges, and resulting financial and credit damage involving my Concora Credit ( Indigo Card ) account. I opened this account in XX/XX/XXXX and maintained it in good standing through XX/XX/XXXX. On XX/XX/XXXX, I received notification that my mailing address had been changed. I did not authorize this change and immediately reported that my account had been compromised. Despite this, unauthorized changes continued, including changes to my email address and phone number. I was repeatedly locked out of my account and unable to regain access because I did not receive a replacement card and could not verify account details. This is documented in my communications, including my XX/XX/XXXX message stating that my account was compromised, my information was being repeatedly changed, and I could not access my account. Because of this : * I could not access my account, * I could not verify transactions, * I could not make payments, * I could not secure the account. During the fraud investigation, I attempted to identify unauthorized transactions based on limited verbal descriptions. My reference to transaction location was made in the context of suspicious activity, not merchant billing address. Concora misinterpreted this statement and used it to reverse legitimate recurring payments to my mobile service provider. These reversals caused : * immediate delinquency, * service disruption, * eventual termination of service, * permanent loss of my long-established phone number, * loss of access to accounts tied to that number. At the same time, Concora reported my account as past due and assessed late fees while I did not have access to the account. Although some fees were later reversed, the negative credit reporting remains. Concoras response to my complaint confirms that their determination was based on a generalized statement made during a fraud call, rather than independent verification of transactions. At the time of that call : the account was compromised * I did not have access to account records, * I was relying on incomplete information. Under these conditions, it was not appropriate to rely on generalized statements without independently verifying transactions, particularly where recurring merchants were involved. Despite being aware of the account takeover and access issues, Concora continued collection activity and treated the account as valid debt rather than a compromised account under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I requested my account with Capital One be closed on XX/XX/year> and it was " supposedly '' closed. Checked in on the account XX/XX/year> and it is still open!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
I've sent requests for the information to be verified that have went unanswered. the only thing they have done is say the accounts meet their standards and will not comply with XXXX XXXX XXXX Laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
on XX/XX/year> at XXXX I received an email from Paypal with the content " You paid {$56.00} USD to XXXX XXXX ... order ID XXXX ''. Since I was not authorized this purchase, I submitted a case to Paypal. After submission I changed my password according to their suggestion. At XXXX I received confirmation from Paypal that my submission received. At XXXX I received an email from Paypal with the content " ... we determined there was no unauthorized use... If you are not happy with your purchase, you may file a dispute ... ''. I don't agree with this answer from Paypal and I am sure this usage was unauthorized. My phone and my computer is under heavy protection and I use up to date software, I am positive my credentials are not leaked from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — Store credit 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: AZ

Complaint narrative:
I am submitting this complaint regarding deferred interest charges of {$460.00} that were applied to my account due to circumstances outside of my control and directly caused by inaccurate and inconsistent information provided by Synchrony representatives. Prior to the promotional expiration date, I made multiple good-faith attempts to access my account and submit a payment. I was unable to log in due to my phone number on file being outdated. I contacted Synchrony through both chat and phone support several times specifically requesting assistance to make a payment. During these interactions, I was repeatedly told that I could not make a payment through chat and that I needed to update my phone number in order to access my account and complete a payment. I relied on these instructions and spent time attempting to resolve the phone number issue as directed. I later spoke with a supervisor who informed me that this information was incorrect. I was told that payments could have been processed through chat the entire time, and further, that my account could not be updated because it had already been closed. This confirms that I was given inaccurate and conflicting instructions that directly prevented me from making a timely payment despite my repeated efforts. I have retained chat transcripts showing that I consistently requested to make a payment and asked for assistance, but was not properly helped. Additionally, all phone calls are recorded and should reflect my repeated attempts to resolve this issue and submit payment. Due to Synchronys failure to provide accurate account servicing and the misinformation provided by its representatives, I was prevented from making a payment before the promotional deadline. As a result, deferred interest in the amount of {$460.00} was assessed. This raises serious concerns regarding the adequacy and accuracy of account servicing practices, as I was actively attempting to make a payment and was instead misdirected in a way that led directly to financial harm. I am requesting that Synchrony conduct a full review of all call recordings and chat transcripts related to my account and remove the deferred interest charges, as well as any associated fees, that resulted from this servicing failure. Additionally, due to the repeated misinformation, time spent attempting to resolve this issue, and the inconvenience caused, I am requesting that Synchrony consider a goodwill adjustment for the hardship experienced. If necessary, I am prepared to escalate this matter further, as I believe the circumstances surrounding this issue warrant a thorough review of Synchronys customer service practices and how payment assistance requests are handled.

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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding unlawful collection activity and inaccurate credit reporting involving a credit card debt originally associated with XXXX and currently being reported by Midland Credit Management. A written request for debt validation was sent via certified mail under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The request included a demand for verification of the alleged debt, including proof of ownership, account history, and documentation showing legal obligation. Midland Credit Management failed to provide any validation or supporting documentation. Despite this, collection activity continued and the account remains on my credit report with an open balance. Additionally, the account is being reported inaccurately, including misrepresentation of the original creditor and inconsistent reporting between entities. Reporting a debt without validation and continuing collection activity after a validation request constitutes a violation of the FDCPA. Furthermore, furnishing inaccurate or misleading information to a credit bureau is a violation of the Fair Credit Reporting Act ( FCRA ). I have made a good faith effort to resolve this issue directly with the company, but no response or correction has been provided. This situation has caused harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Urgent Complaint Stranded Without Access to Funds Due to Ongoing System Outage I am filing a complaint against Navy Federal Credit Union regarding my inability to access my funds during an urgent situation. On XX/XX/XXXX XXXX at approximately XXXX AM XXXX, I discovered that I could not unlock or use my debit card due to an ongoing system update. As of XXXX AM XXXX, the system is still down, and I remain unable to access my money. I am currently out of town and was left stranded without access to funds needed for gas and basic necessities. I attempted to resolve this by using online banking and calling customer service, but I was still unable to unlock my card or gain access to my funds. This situation has caused immediate hardship and placed me in a vulnerable position. While I understand that maintenance may occur, there were no adequate alternatives provided to access my funds during this outage. I am requesting : - A full explanation of this outage and why access to funds was completely restricted - Immediate review of this incident - Compensation for the hardship and risk caused by being stranded without access to my money I have records of the time and my attempts to resolve this issue. Sincerely, XXXX XXXX

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