vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called months ago and they said they closed my account- I destoryed the card as they requested- I have spent hours on the phone today with CITI and Home Depo both - I only get a robot that will not help without account number- I do not have since I destored the card- I am getting a text someone is trying to use my account Send this letter to them today - PLEASE HELP I want NO ACCOUNTS With CITI - close this account and anything - they are horrible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request to Close Credit Card Account Immediate Follow-Up Requested Home Depo Card I have requested this CLOSED SERVAL TIMES To Whom It May Concern, I am writing to formally notify you that I have requested the closure of my credit card account associated with Home Depot and serviced by Citibank.

Please confirm that the account has been closed and contact me as soon as possible to address any remaining matters related to this account. I am requesting written confirmation of the accounts closure and assurance that no further charges or activity will occur.

If any additional information is required from me to complete this request, please contact me immediately using the contact information listed above.

Thank you for your prompt attention to this matter. I look forward to your confirmation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-30 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: CT

Complaint narrative:
I am submitting this complaint regarding the handling of unauthorized transaction disputes by Citibank , N.A . related to recurring charges originating from XXXX merchant descriptors on my credit card account. 

The charges are : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX AZ {$380.00} on XX/XX/year> XXXX XXXX  XXXX # XXXX XXXX AZ {$190.00} on XX/XX/year> I disputed multiple transactions that I did not authorize and for which I did not knowingly enter into any recurring subscription agreement. I also took proactive steps to protect my account, including attempting to cancel services, locking or replacing my card, and attempting to prevent further recurring transactions. Despite these actions, additional charges continued to be processed. 

During the dispute process, Citibank demanded that I provide a credit slip or documentation showing the merchant agreed to issue a refund. This requirement is not applicable to my dispute. My dispute is not based on a merchant agreeing to issue a refund that failed to post. My dispute is that these transactions themselves were unauthorized and lacked valid affirmative authorization for recurring billing. 

Because the charges were not authorized, no credit slip exists. By conditioning dispute resolution on documentation that would only exist if a merchant voluntarily agreed to issue a refund, Citibank effectively shifted the burden of investigation onto me rather than evaluating whether the transactions were authorized in the first place. 

Additionally, recurring charges continued even after I took steps to secure my account, which raises concerns about Citibanks controls related to stopping recurring transactions after a card is locked, replaced, or disputed. 

I am concerned this reflects a broader pattern and practice of : Reframing unauthorized transaction disputes as merchant credit disputes Imposing documentation requirements that are not relevant to unauthorized transaction claims Failing to properly investigate authorization and recurring billing consent Allowing recurring charges to continue after consumers take security actions I made good faith efforts to resolve this matter directly. However, Citibanks response indicates a failure to properly distinguish between unauthorized transaction disputes and merchant refund disputes, which materially impacts consumers ability to obtain fair dispute investigations. 

I am submitting this complaint through the Consumer Financial Protection Bureau because I believe Citibank failed to properly follow federal consumer billing investigation requirements and improperly shifted the burden of proof to me.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
XXXXOn XXXX XXXX XXXX  am I received a call from a lady saying someone was trying to open a Bank of America card in my name. She provided the last 4 numbers of my social which I did not deny or confirm. I told her I did not open or want a credit card from Bank of America and hung up on her. She then called right back and again I hung up on her. This happened a total of 4 times. The numbers she called on all showed Bank of America from these numbers -XXXXShe provided me with a case number XXXXXXXXI tried to call Bank of America and could not reach a live human being.'

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have not been able to withdraw my money back to my bank account. On XX/XX/year> I deposited {$2500.00} to Coinbase from my XXXX XXXX XXXX  account. XXXX COINBASE.COM WEB XXXX Their system requires a take a picture of my drivers license which wont upload. Without this proof XXXX cant make a withdrawal. Yesterday I spoke with XXXX and XXXX for over XXXX hours and today a long chat. Chat wanted details and said they dont have access to my conversations. I wanted to speak with a XXXX. Since I havent been able to, I have reported their company to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I dont know what happened it just randomly popped up on my credit report. I never consented nor applied for that new balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the XXXX account currently reporting on my credit file. This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any capacity. 

I previously disputed this matter with all three credit bureaus on XX/XX/year>, and again on XX/XX/year>. Despite these disputes, the account continues to be reported inaccurately. I have since filed an Identity Theft Affidavit as well as a police report, both of which substantiate that this account is the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable. As this account is fraudulent and unsupported by any valid authorization from me, I respectfully request that it be removed immediately from my credit report with all reporting agencies. 

Please confirm in writing once this matter has been resolved. Thank you for your time and prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: AR

Complaint narrative:
I am writing to formally dispute the XXXX account currently reporting on my credit file. This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any capacity. 

I previously disputed this matter with all three credit bureaus on XX/XX/year>, and again on XX/XX/year>. Despite these disputes, the account continues to be reported inaccurately. I have since filed an Identity Theft Affidavit as well as a police report, both of which substantiate that this account is the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable. As this account is fraudulent and unsupported by any valid authorization from me, I respectfully request that it be removed immediately from my credit report with all reporting agencies. 

Please confirm in writing once this matter has been resolved. Thank you for your time and prompt attention to this 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 explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
CREDITACPT is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDITACPT 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 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 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint due to identity theft. 

My personal information was stolen after mail was taken from my mailbox. Someone used my identity to fraudulently obtain an apartment lease and related charges without my knowledge or authorization. 

A police report was filed immediately. The fraudulent account was disputed and has already been removed from my primary credit profile, but it is still being reported through rental tenant screening systems. 

The inaccurate account is : Company : ProCollect Account Number : XXXX Still Reporting On : XXXX XXXX and XXXX This account is the direct result of identity theft and is not mine. Continued reporting of this fraudulent information violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting the immediate deletion of this account from all rental reporting systems, including : XXXX XXXX XXXX XXXX tenant screening databases Any other rental consumer reporting platform This fraudulent account is harming my ability to obtain housing and must be permanently removed.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: OH

Complaint narrative:
I got approved for a virtual XXXXhr klarna card I went to buy battery from XXXX XXXX it kept getting denied. So I ended up buying a cheaper battery after my mom sent me . Then I see I was charged for the more expensive barrel which I never got. And XXXX XXXX has no transaction history for this. Klarna said I have to clear it up myself with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NH

Complaint narrative:
I tried reaching out to company to stop loan payments, all operators were not available, tried calling and was on hold for over XXXX minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The error that I am reporting today is because the financial institution has not successfully resolved previous complaints that I have filed with the Consumer Financial Protection Bureau. 

This transaction was made through JP Morgan Chase with a agent over the phone on XX/XX/year> however, the transaction was posted to my Checking account transaction history on XX/XX/year>. Because of my experience with this banking institution and researches made it my belief that this transaction was place on Pending on the Verified Bank account a verified account has a healthier relationship and more security measure with financial institution than a unverified account which has limitations and restrictions. 

The financial institution place it on the verified bank account so the account can provide informations to investors who are reaching my verified account. Those investors will build their bank account features, businesses, personal finance and cash balance settlement. While a unverified account features, personal finance and cash balance are restrict and limit. This type of treatment place me in a position of financial exploitation. 

My package with the checks was not delivered and the account ownership and full access has not been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/year>, I mailed XXXX XXXX XXXX money orders to pay my Chase credit card account : XXXX for {$500.00} and XXXX for {$1000.00}. Both money orders had my account number written on them and were mailed in the same envelope along with a copy of my credit card statement. 
On XX/XX/year>, Chase credited the {$500.00} money order but did not credit the {$1000.00} money order. I called Chase XXXX separate times and was given a different explanation each time regarding the missing payment. No representative initially indicated that the payment may have been received or destroyed. 
On my fifth call, I spoke with a supervisor who stated that because I sent XXXX money orders in the same envelope, Chase policy is to destroy ( shred ) the second check or money order. The supervisor stated that my {$1000.00} money order would have been destroyed for this reason. No offer was made to search for the payment, provide written confirmation, or escalate the issue further. 
XXXX XXXX confirmed the {$1000.00} money order was never cashed. I was forced to request a refund through XXXX XXXX and received the funds back minus a {$15.00} processing fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RevNow LLC
State: DE

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding RevNow Financial, a third-party debt collection company, due to concerns about their debt collection practices and potential violations of the Fair Debt Collection Practices Act ( FDCPA ). 

I was never provided with initial written notice by mail informing me of the alleged debt, nor was I given a clear opportunity to dispute it prior to collection efforts. I repeatedly requested validation of the debt, including documentation proving that the debt belongs to me and detailing the original creditor, amount owed, and contractual obligation. 

After continued requests, RevNow Financial sent me a XXXX-page document labeled as a contract ; however, this document does not validate the debt. It does not clearly demonstrate that the debt is mine, does not include a complete payment history, nor does it provide proof that RevNow Financial has the authority to collect on this debt. Despite this, collection efforts continued. 

I have also experienced repeated and pressuring phone calls, typically occurring on the last Friday of each month, during which I was informed that payment must be made by XXXX XXXX to avoid legal action. These communications felt coercive and intimidating. The representative handling my account, identified as XXXX, has continued to reference that I stated I would call back after work, despite me clearly explaining that I am not currently employed and am experiencing significant financial hardship. 

Due to fear of potential legal consequences and the pressure applied during these calls, I agreed to a payment arrangement, despite not receiving proper validation of the debt. The overall process has felt confusing, misleading, and concerning, particularly given the lack of transparency and documentation. 

I believe RevNow Financials actions may violate the FDCPA, including but not limited to : Failure to provide proper written notice of the debt Failure to provide adequate validation upon request Use of threatening or coercive language Continuing collection activity without sufficient verification I am requesting that the CFPB review this matter and require RevNow Financial to either provide proper and complete validation of the alleged debt or cease collection efforts. 

Thank you for your time and attention to this complaint. I am willing to provide additional information if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX of 2022 I was looking for my income tax return in the amount of {$1.00}, XXXX. I found out my check was stolen and forged at a local Bank of America. I filed a police report, and contacted the bank. I emailed XXXX XXXX and she sent my information to their XXXX  department. I heard nothing, filed a complaint with XXXX. Last summer XXXXXXXX XXXX XXXX XXXXXXXX reached out from fraud and I sent her all my paperwork. She asked me to give the bank 90 days. I have called her and no response. I emailed XXXX XXXX. I was sent this information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, reached out numerous times. No response. I have emailed and called Bank of America numerous times, they have the cleared check, my police report, and my signature of forgery on file. I still haven't received my funds from a check that was cashed at their bank without my id or authorization.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I paid two mechanics to work on my car that was involved in an accident on XX/XX/XXXX. My vehicle was dropped off to me on XX/XX/XXXX with no work done and I paid the merchants over {$2800.00}. I tried reaching out to the merchant on numerous occasions for my refund but was unsuccessful. They blocked me and went ghost. These funds were sent over to them using XXXX XXXX. I contacted my bank with screenshots and pictures of before and after of my vehicle with no work done. I contacted XXXX support first to try to get my money reimbursed but I was told I needed to contact my bank and XXXX  XXXX denied my claim. Im currently struggling right now and XXXX  I was barely able to come up with the XXXX to pay for my vehicle so to get scammed at this time really hurt. Its so unfair that people get to get away with scamming desperate people. I currently have {$12.00} in my account and no way of getting my car fixed. Ive been with XXXX  XXXX for awhile and its unfortunate how theyre treating a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have an active auto loan with the company. On XX/XX/year>, I notified the lender that I no longer have possession of the vehicle securing the loan. I requested that the lender initiate repossession or otherwise take action to recover the collateral. 

The company advised me that it will not repossess the vehicle and that I will continue to be billed monthly on the loan. Despite repeated notice that I do not have possession of the collateral, the company has continued to bill the account and report it as active. 

I have requested that the company document my non-possession of the vehicle and take appropriate steps to mitigate damages, but no corrective action has been taken. The continued billing under these circumstances is improper and places an unfair burden on the borrower when the lender is refusing to recover its collateral.

Company response to consumer: Closed with explanation