vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I am filing this complaint regarding ongoing credit card fraud, failure to secure my account, misinformation provided by multiple Citi representatives, and Citis refusal to allow me to protect myself by closing my account. 

On XX/XX/year>, I received a fraud alert for a small XXXX charge, which I denied ( I do not have a XXXX account ). Upon reviewing my account, I discovered more than XXXX unauthorized charges, including XXXX large charges of approximately {$1900.00} and {$1300.00}. I attempted to dispute all charges online but was unable to dispute several of them. I canceled the card and was told a replacement would be issued. 

Despite being told the account was secured, additional fraudulent charges posted less than XXXX hours later. I called again and was told my card had been linked to a XXXX account and that Citi was unlinking it. The following day, I received scam-like phone calls claiming to be Citi fraud , referencing a card number I had never received. At the same time, my XXXX XXXX updated to that same card number. I later learned that this replacement cardone I never receivedhad already been compromised and had additional fraudulent charges that were not yet visible online. 

Today, on my fourth call to Citi, I was told that prior representatives provided incorrect or false information. I was informed that although fraud is actively attempting transactions on the new replacement card, Citi can not close that card for XXXX hours after issuance, even in the presence of ongoing fraud. I was explicitly told there is nothing Citi can do to stop the fraud during this period and that unauthorized charges must be allowed to continue until the XXXX hours pass. 

I was further told that I can not close my account entirely, despite requesting to do so for my own protection. 

At this point, multiple cardsnone of which I physically possesshave been compromised. I have received no written confirmation of disputes, no complete accounting of all fraudulent charges ( posted or pending ), no explanation of how the fraud continues across canceled and replacement cards, and no assurance that future cards will not also be compromised. I am being forced to remain exposed to ongoing fraud with no ability to secure or close my account. 

This situation has caused significant financial risk and distress. A premium credit card marketed as providing enhanced fraud protection has instead left me unable to stop active fraud or protect my personal information.

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 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a derogatory tradeline on my credit report with inconsistent and inaccurate account status and reporting details. The account is shown as dispute resolved/collection/charge-off, but the reporting does not match a properly verified account history. The furnisher has not provided documentation proving the accuracy of the balance, delinquency timeline, and account status. I am requesting that the credit bureaus require full verification with supporting documents or delete the tradeline if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the following entities for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Indiana State Law. 
Disputed Accounts : XXXX. XXXX XXXX XXXX - Balance : {$930.00} XXXX. PORTFOLIO RECOVERY - Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX - Balance : {$430.00} XXXX. XXXX XXXX XXXX - Balance : {$890.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Balance : {$1000.00} Violations & Legal Basis : I am a resident of XXXX, Indiana. These entities are reporting alleged debts on my credit report without my permission and without providing proper validation as required by law. 
XXXX. Lack of Contract & Chain of Title : I have never entered into a contract with any of these third-party agencies. They have failed to provide a complete " Chain of Title '' or " Deed of Assignment '' proving they legally purchased these specific alleged debts from the original creditor. Under Indiana XXXX XXXX, a transfer of rights requires strict evidence of assignment, which I have not received. 
XXXX. FDCPA Violation ( 15 U.S.C. XXXXg ) : I demand strict proof of these debts, including the original consumer contract bearing my signature. A simple computer printout or " verification '' letter is insufficient validation under federal case law ( XXXXXXXX XXXX. XXXX ). 
XXXX. FCRA Violation ( 15 U.S.C. XXXXi ) : These accounts are unverified. I dispute the accuracy and completeness of these trade lines. The furnishers have failed to conduct a reasonable investigation or provide the " Method of Verification '' used to verify these accounts with the credit bureaus. 
XXXX. Indiana Collection Agency Act ( XXXX. XXXX XXXX ) : I question whether these agencies are maintaining the proper surety bonds and licensing required to collect debts in the state of Indiana . 
Demand for Resolution : Reporting inaccuracies on my credit report causes strict liability under the FCRA. Since these agencies can not provide the original contract or a valid Chain of Title, they are legally required to remove these negative items immediately. 
I demand the immediate deletion of these XXXX accounts from all credit reporting agencies ( XXXX XXXX XXXX ) within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I tried to contact them & explain to them that I had no acknowledgment of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have XXXX unresolved hotel authorization holds on my Cash App debit card from XXXX XXXX : {$40.00} from XX/XX/XXXX and {$20.00} from XX/XX/XXXX. The hotel confirmed both pre-authorizations were released, but Cash App has kept the funds pending for weeks. I contacted Cash App multiple times and requested escalation, a case ID, and confirmation of the expiration for the {$40.00} hold, but support stated they can not escalate, can not provide a case ID, and can not confirm the {$40.00} authorizations expiration, advising only to wait. This has caused financial hardship, and I am requesting review and release of the held funds or written confirmation of their expiration under card network rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
on XXXX returned an XXXX XXXX device back to XXXX XXXX XXXX during XXXX XXXX XXXX .. this was returned to a fedex location. 

Drop off location : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX store XXXX XXXXXXXX have the confirmation from XXXXXXXX XXXX XXXX XXXX that my return was accepted details of device from confirmation receipt : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX included : Yes ref XXXX XXXXXXXX I took part in XXXX XXXX XXXX trial for XXXX XXXX and XXXX was sent a device to my address. After a few days i was told that our apartment was starting a bulk account with XXXXXXXX XXXX XXXX and that internet service would be included in rent. I returned the device and these are the details above. I was told I would not be charged for the service, given that it was a trial period, or for the device as long as it was returned. I have connected with XXXX XXXX XXXX many times when I first saw the bill that included that charge. I was told there must be a mix up and provided confirmation that the device was returned. They said they were taking care of it so i dint have a balance. Months later I get notice that this was sent to collections. I connected with XXXX XXXX XXXX again and they said the same thing and that they would o it out for the debt collector. I have no visibility in the account that I would have owed on the XXXX XXXX XXXX side. I have disputed with IC systems that this was the case as well, and still this is being reported to my credit. this has had a tremendous impact on by credit, severely impacting my ability to buy a home, car, any other loan-based purchases. I am being harassed by the debt collection who calls me many time a day from random numbers, preventing me from blocking the call

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: FL

Complaint narrative:
The platform BitStamp has had my account blocked from making transfers since XX/XX/year>, even after me reaching out to their customer service. They kept promising me to escalate it to the proper department and nothing. My kids XXXX was ruined and my Business was also effected by this. Even after I was verified my account is blocked.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Victim of identity theft someone stole my id, ssn, a lot of personal items and open several accounts and loan from XXXX. Hospital Was at fault from giving my information to someone in the mail, other company breach, government breach, etc and also my Uncle and cousin stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate credit reporting by PNC regarding my auto loan account. 

In XXXX, I received a credit alert indicating that PNC had reported my account as past due and delinquent ( XXXX  days ). As a direct result of this recent negative reporting, I was denied the opportunity to proceed with a home loan, significantly impacting my ability to begin the home-buying process. 

Immediately upon receiving the alert, I contacted PNC to report the error. I spoke with XXXX separate representatives from XXXX different departments, both of whom confirmed that my account should not have been reported as delinquent and should have been reported as paid as agreed. I was advised to file a formal dispute, which I promptly did with the credit reporting agencies. 

Despite this, the account continues to be inaccurately reported. Even more concerning, XXXX is now being reported as XXXX  days past due, despite the fact that I made my last and final payment, fully closing out the loan. I am currently awaiting receipt of the title for my XXXX  XXXX XXXX, further confirming that the account has been satisfied. 

Due to this unresolved error, a XXXX  XXXX declined to move forward with me after reviewing my credit, solely because of this inaccurate PNC reporting. 

I am requesting that PNC immediately correct the reporting for both XXXX and XXXX to reflect paid as agreed and remove any delinquency indicators. I can provide recordings of my calls with PNC representatives confirming the reporting error, as well as proof of final payment, if needed. 

I respectfully request prompt resolution of this matter, as the continued inaccurate reporting is causing ongoing financial and personal harm. 

Thank you for your immediate attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: NY

Complaint narrative:
This is regarding to an existing complain, case # XXXX, Bank of america complain department called me on XX/XX/year> ( sorry Missed the call ), she left me a phone number and XXXX digit extension to call back. 
I called more than XXXX times in the past XXXX  days, only goes to the recording message, no real people that I can talk to, I am very worried they will used it as a reason/excuse said try to contact me but I am not available, then don't solve my issue

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 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> JPMC bank took {$700.00} from my bank account without ever sending me an alert or notifying me. on XX/XX/year> I deposited {$500.00} to pay my bills and that's when I noticed I was negative $ XXXX. So not only did they fail to notify me or the least call and see why the check was deposited twice they made me fall behind on my bills causing financial stress on me and my family. I called and met with employees and manager at chase bank they kept telling me that the issue was not with them anymore that it was with my employer 's bank and the bank that cashed it " Bank XXXX Oklahoma '' is what they told me also gave me a copy of the check that was supposedly deposited second. 
The company was vague and provided documentation that contradicts the original transaction. I requested proof regarding the check reversal due to a 'double presentment ' claim. However, the copy of the check provided by XXXX  Chase bank did not match the original document cleared by XXXX XXXX XXXX  and XXXX now after missing work and lots of calls and head aches I got the original copy of the check and a letter from XXXX XXXX XXXX  and XXXX that released the funds but they still told me there was nothing they could do and wouldn't even talk too me any more please assist me in solving this issue. 

Description of Incident : On XX/XX/year>, JPMorgan Chase ( JPMC ) withdrew {$700.00} from my account without prior notification or authorization. XXXX claims this was a reversal due to a " double presentment '' of a check. However, I have evidence that proves this reversal was made in error. 

XXXX XXXX : Documentation Discrepancy : XXXX provided me with a copy of a check they claim was the " XXXX  '' deposit. This document does not match the original check cleared by XXXX XXXX XXXX and XXXX. 

Proof of Release : I have obtained a formal letter and the original check copy from XXXX XXXX XXXX  and XXXX ( the issuing bank ), confirming that the funds were cleared correctly and subsequently released. 

Failure to Resolve : Despite presenting this evidence to JPMC branch management and phone representatives, the bank refuses to investigate the discrepancy between their records and the issuing banks records. They have stated they " can no longer help me, '' leaving me with a negative balance of $ XXXX and causing significant financial hardship. 

Violation Claims : I believe JPMC is in violation of Regulation CC regarding the handling of substitute checks and has failed to perform a proper investigation under the Electronic Fund Transfer Act ( Reg E ) or applicable check processing standards, as the documentation they provided to justify the debit is demonstrably inconsistent with the original item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against TrueAccord Corp for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Account : Alleged Creditor : XXXX / XXXX Amount : {$590.00} Violations : I have received email communication from TrueAccord demanding payment ( see attached ), yet I have never received the formal " Initial Notice '' required under 15 U.S.C. 1692g. 
XXXX. Failure to Validate : By law, a debt collector must provide a written notice containing my rights to dispute the debt within 5 days of their initial communication. Sending an email demand without this prior written legal notice is a violation of the FDCPA. 
XXXX. Unverified Debt : I have no contract with TrueAccord. Since they have failed to provide the initial validation notice, they have no legal standing to demand payment.

Demand : TrueAccord has failed to follow strict federal collection procedures. I demand this account be closed and deleted from my credit report immediately. I do not accept a simple email as validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I am unable to see how my monthly student loan payments are applied between interest and principal on MOHELAs website. The online account only shows the total payment and updated balances, without a clear breakdown of how much of each payment is applied to interest versus principal. 

This lack of transparency prevents me from verifying whether my payments are being applied correctly and makes it impossible to manage my debt responsibly. As a borrower, I should not have to reverse-engineer payments, rely on hidden PDF statements, or contact customer service to obtain basic information about how my money is applied. 

Clear disclosure of interest and principal allocation is standard for consumer loans and essential for financial planning, especially given the long-term cost of student loan interest. MOHELA has access to this information but does not display it clearly or consistently to borrowers. 

I am requesting that MOHELA provide clear, accessible disclosure of how each payment is applied to interest and principal and explain why this information is not transparently displayed on the online account interface.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-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 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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Account Closure I am writing to express my concern regarding the unauthorized closure of my account, XXXX, without prior notification. To my surprise, I discovered on XX/XX/XXXX that my account notified by XXXX XXXX had been closed, despite having a XXXX balance. 

I find it unacceptable that I was not informed about the impending closure of my account. This lack of communication has caused me significant inconvenience, confusion and damage to my credit worthiness -- ->Total Credit of all accounts over debt ratio. 

I respectfully requested the restoration of my account, and why I was not notified prior to the circumstances that led to this closure. 

Supplemental Information below and my finalized statements ... XX/XX/XXXX On XX/XX/XXXX I received an alert from XX/XX/XXXX that monitors my credit that my Synchrony XX/XX/XXXX Care card was closed. I contacted the customer service number XXXX and they told me that they closed my account due to inactivity, and I told them I did not receive a direct email and or mail specifying exactly the time and attention to resolve the inactivity issue with XXXX balance. I would have gladly used it, in fact I would have planned to purchase an XX/XX/XXXX computer scanner for my XXXX XXXX XXXXXX/XX/XXXX. I need it for urgent schedule for future preventive maintenance. 


My FINAL STATEMENTS SUMMARIZED STATEMENTS. 

XXXX. I did not receive an email and or mail specifically stating that they would close the account unless I used my Synchrony credit card services. 

XXXX. My credit rating was damaged due to their negligence and closure of account. 

XXXX. I requested that they open the account as a resolution without credit check since my credit line was already established when it existed prior to XX/XX/XXXX closing of my account ending in XXXX. 

Synchrony XX/XX/XXXX care customer mentioned on the phone call I made on XX/XX/XXXX that they would see if they can expedite my concerns. I asked them to reopen my account. 
They mentioned that my account can not be opened due to inactivity. How arrogant and ignorant was the answer to my problems. This bank needs to be investigated and see if they conducted these closures to other customers without warning AND OR permission! 

Pursue enforcement action, if necessary, against this bank with the unfair practices not notifying customers closing of accounts with XXXX balance with Inactivity without advance customer notification or permission. 

I request that my account re-opened with acct ending in XXXX without damaging my credit again.!

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