vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I am filing a formal complaint regarding a debt being collected by Westlake Portfolio Management on behalf of Byte. This account is for dental aligner treatment services that were never fully delivered. Byte has ceased operations and failed to provide the treatment and lifetime guarantee that were part of my agreement. I made extensive efforts to resolve this directly with Byte, including over XXXX documented email communications. Despite this, they failed to complete the service or provide a resolution. Because the contracted services were not rendered, I dispute the validity of this debt. Westlake Portfolio Management is attempting to collect on a balance for services that were never completed, which I believe is a violation of my consumer rights. I am requesting : - A full investigation into this account - Validation of the debt, including proof that services were fully delivered - Suspension of all collection activity - Removal of this account from my credit report ( if reported ) I am prepared to provide documentation, including my communication history with Byte, demonstrating failure to deliver services. I request a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> an ATM withdrawal notification popped up on my phone while I was at home. The day before, I had gone with my family to the local zoo and paid my rent. My transaction history clearly shows that I was in my home town and have no visits to or associates in the town where the withdrawal happened. I immediately cancelled my card and ordered a new one before contacting CashApp support. XXXX notified me it can take up to 45 days for them to review a dispute and make a determination. On XX/XX/year> my dispute had been denied. I filed an appeal and I requested the information used to make this determination and they did not send it. I had to call them to get the information emailed to me. In my appeal, I included information regarding my transaction history - pointing out that I do not live near where the withdrawal happened, that I do not visit that city and that I have evidence of my residence elsewhere in my transaction history. I provided them with screenshots of my history. As of XX/XX/year> CashApp had denied my appeal. I once again requested the evidence used in their determination. CashApp sent me the information used to deny my initial dispute on XX/XX/year>. The information they listed as evidence for my denial included the transactions and information I sent that indicated my place of residence and location the day prior was nowhere near the location of the withdrawal. There is no evidence that I authorized this transaction and I have taken every step to resolve this according to CashApp 's rules and they are denying me without any real evidence to support their denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: ID

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a telemarketing call I received today at approximately XXXX XXXX from a company whose representatives engaged in conduct that I believe violates federal consumer protection laws. During the call, I requested that my phone number be placed on the companys internal Do Not Call ( DNC ) list. I made this request multiple times. Despite my clear and repeated instructions, the representative refused to process my request unless I first provided or verified personal information. I found this requirement inappropriate and unnecessary, particularly given that my sole request was to cease further contact. Additionally, when I informed the representative that I intended to record the call, I was told that I was not permitted to do so. This statement appears misleading and potentially coercive, as consumers may have rights to record calls depending on applicable state consent laws. I believe this conduct may violate provisions of the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, and the Telemarketing Sales Rule ( TSR ), 16 C.F.R. Part 310, enforced by the Federal Trade Commission. Specifically : The TSR requires telemarketers to promptly honor a consumers request to be placed on a company-specific Do Not Call list, without imposing conditions such as requiring additional personal information. Repeated or continued calls after such a request may constitute unlawful harassment or noncompliance with DNC regulations. Misleading statements regarding a consumers rightssuch as whether a call can be recordedmay also raise concerns about deceptive practices. I respectfully request that the Federal Trade Commission investigate this matter and take appropriate enforcement action if violations are found. I am also concerned that this companys practices may be affecting other consumers. Please let me know if any additional information is required to support this complaint. I am willing to provide further details if necessary. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company has violated my privacy and harmed my credit and now trying to sue me without first validating the debt proving their standing as owner.

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 2026-04-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
Synchrony Bank defrauded on credit card without upfront information on my Sams card

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 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I was told by the debt collector that I did not have to attend court. In addition to that I was told many different things by different representatives. I was originally told that I had a debt and when I asked for record of transactions because I am unfamiliar with the account I was told that I could not receive it via email. When I called back I was told by another representative that she does not see that there is ANY debt under my name. I told her I called a little bit ago and was told that they did see it, she asked me for my full social security number and she said using that she would be able to see any debt which would be under my name, I was very hesitant in providing the information, however I did because I wanted to see what the debt was about and when I provided my social she said she did not see ANY debt under my name or social. This debt seems as something they made up and I am unaware of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
am filing this complaint because Goldman Sachs has repeatedly failed to resolve a clear merchant error despite my submitting evidence four separate times. On XX/XX/XXXX, I authorized a transaction with merchant " XXXX '' via Apple Pay for {$10.00}. The merchant later settled the transaction for XXXX XXXXan unauthorized increase of {$5.00}. I have provided the following evidence multiple times via the Apple Card support interface : Witness Statement : Confirms the {$10.00} total displayed on the payment terminal. Location History : Confirms my presence at the merchants St location at the time of the tap. Despite my long-standing history as a high-frequency payer who clears my balance multiple times per week, Apple Card support continues to reverse the dispute without addressing the fact that the Settled Amount exceeds the Authorized Amount. This is a violation of card network rules and the bank 's duty to investigate billing errors under the Fair Credit Billing Act. I am requesting a permanent correction of this charge and a formal explanation as to why my evidence has been ignored four times. I tried today and was ignored yet again today being. XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
my name is XXXX XXXX. The email attached to my account is XXXX the last 4 digits of my card XXXX last four digits of mh social is XXXX my phone number to the account is XXXX address XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Tennessee, XXXX my tag name is XXXX. This is for current so they wont act like they cant response to the inquiry for this situation to close the complaint. I see what yall be doing. Here is my compliant There is no reason why my dispute for XXXX XXXX was denied when I have the booking information and email confirmation and hardcore evidence sent this dispute and a lot of my disputes do not be thoroughly and properly investigated. I also requested for the proof the company submitted to support your decision to deny my dispute. I know there is none which makes it very questionable with the investigation of why it was denied even though I just sent over proof and the email booking confirmation in the amount. The company has a booking site where I can book my appointment and I booked for {$55.00}. The only thing I got was what I booked for and I couldnt get nothing else because I didnt book it. There is a nail tech that works at XXXX that I book for all the time and this time I was over charged what I booked for and was supposed to be charged for was {$55.00} they over charged me as you can see With the attachments, Im going to attach to this complaint. The address on the booking site is the same address as on their website and for the place Which you can see in the attachments that Im going to attach to this complaint showing that its the same place for their booking site. I was unaware of more charges. I only got what I booked for and what I was supposed to pay for and I was overcharged for this and you guys are not properly or thoroughly investigating and if the company doesnt have proof. Theres no reason for you to deny my claim. You guys are denying my claims in my disputes because of how many disputes I have made, though per your policy and per the law youre supposed to thoroughly investigate each dispute regardless of of the amounts of disputes your customer or client makes because of the potential possibilities and endless possibilities of identity, theft, theft of card, someone and so forth youre supposed to be fair and accurate and you guys are not doing that you guys are quickly denying my claim within a day and not thoroughly investigating things and being fair and giving me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Business Processing Solutions, LLC
State: MD

Complaint narrative:
Pioneer Credit Recovery had contacted me on paper dated XXXX in regards to a debt referred by Us Dept of treasury XXXX I had until XXXX to respond. However I had offset funds begin on my patient XXXX payments on XXXX. I had called when my medical billing company told me that payments were being offset. This is all prior to allowing me to make a payment plan with Pioneer.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
The associated collection has been deleted, this account is no longer reflecting an active or collectible debt. I request this account be removed from my credit report as it is now misleading and obsolete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am reporting Citibank for gross negligence and failure to detect a fraud pattern that was correctly identified by Citizens Bank. Citizens Bank refused to process the initial wire due to fraud concerns ( XXXX XXXX ). Citibank failed to exercise the same standard of care and allowed five separate wires to proceed to the following recipients : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Stop requested ), and XXXX XXXXXXXX XXXX XXXX, XXXX XXXX All specific transaction IDs, XXXX amounts, and XXXX XXXX account numbers, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been documented in my FBI IC3 report ( Tracking Number : XXXX ) filed on XX/XX/year>. Citibank has also been notified via their fraud department. I am seeking full reimbursement for these losses due to Citibank 's failure to meet industry security standards. Specifically, for the {$20000.00} wire, I contacted Citibank to request a stop/cancellation within two hours of initiation. This provided a 'reasonable opportunity to act ' under UCC 4A-211. Citibanks failure to successfully stop this specific wire, combined with their failure to flag the other 4 wires despite a prior block by Citizens Bank, demonstrates systemic negligence. I am reporting Citibank for failing to act on a timely cancellation request. I contacted Citibank within two hours of the wire initiation to stop the transfer. Under UCC 4A-211, this provided Citibank a reasonable opportunity to act.Citibank claims they are waiting for a response from XXXX XXXX XXXX However, Citibank has failed to provide a Letter of Indemnity ( LOI ) to XXXX XXXX, which is the industry-standard method for securing a return of fraudulent funds.Furthermore, Citizens Bank correctly identified this recipient as fraudulent and blocked a previous attempt, proving the risk was detectable. Citibanks failure to stop the wire within the two-hour window, despite my immediate notice, constitutes gross negligence.FBI IC3 Tracking Number : XXXX of FBI Filing XXXX XX/XX/year> XXXX XXXX EST '' I am seeking the full reimbursement of {$120000.00}. At a minimum, I demand the immediate return of the {$20000.00} for which a timely stop-request was made within XXXX hours. I also require Citibank to issue a formal Letter of Indemnity ( LOI ) to XXXX XXXX, XXXX, and the other receiving banks to facilitate the recovery of the remaining funds. Citibank must take responsibility for failing to match the security standards of Citizens Bank, which successfully blocked these same fraudulent recipients.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
When I called XXXX XXXX to make payment, I asked to receive billing statement by mail, presently they do not provide a billing statement, due date or receipt for my payments. They only contact me thru email asking for a payment. Today I received an email requesting payment its only been 2 weeks. I again asked to receive a paper billing statement, while I attempted to make a payment, and requested a receipt for my payment. They have refused both requests. I dont even know if my payments have been going to my balance. I made XXXX $ payment XXXX XXXX $ paymentXXXX XXXX $ payment XX/XX/XXXX, please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My identity was stolen and compromised several years ago. I reported the theft to all three major credit bureaus ( XXXX, Equifax , and XXXX ). XXXX and XXXX found the credit file entry and debt to be fraudulent and removed the entry from my credit report file. Equifax has failed to prove the debt is valid and has refused to remove the debt from my credit report file. Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Majority USA, LLC
State: FL

Complaint narrative:
I am filing this complaint against Majority ( and their partner XXXX XXXX, XXXX. ) for failing to properly investigate and resolve a dispute regarding unauthorized charges from XXXX. Despite providing irrefutable evidence that the transactions were made by a third party, the bank has sided with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from XXXX stating that the email address on my account had been changed without my authorization. Immediately after, I lost access to my account and have been locked out since that date. Since then, unauthorized transactions totaling {$300.00} have been made on my account. I reported this issue to XXXX as soon as I became aware of it and have contacted them multiple times. I have spoken with multiple representatives and supervisors, but my case continues to be passed along without any resolution. XXXX has repeatedly requested identity verification, which I have already completed multiple times, yet they continue to delay and refuse to properly address the issue. I have also requested that my account be closed to prevent further unauthorized use, but this has not been done. As a result, my account remains compromised, I am unable to access it, and I am at continued risk of additional unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I paid my student loan balance in whole so that I could be done with my debt. The amount was {$11000.00}. I was charged twice by Mohela for the same transaction for a grand total of {$23000.00}. This was while I was on maternity leave and it drastically affected my finances. I contacted Mohela immediately. They first said it would take 90 business days to resolve, which has passed. When I followed up, they said it could take another 120 business days. The duplicate charge has still not been refunded. I am requesting an immediate resolution and refund. Every time I call they keep adding business days with no clear answer as to how this process works. I am owed {$11000.00}, and Mohela has not been helpful in assisting me in understanding the process nor coming up with a resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XXXX I got a fraudulent credit card charge for {$5000.00}. I've been trying to dispute it and get it reversed through Bank of America 's fraud department for the past month. BOA just rejected my most recent appeal. After I submitted the appropriate, requested paperwork like a police report detailing the event as well as receipts showing how the charge was fraudulent. I believe Bank of America did not conduct a " reasonable investigation '' under Regulation Z 1026.12 ( b ) and simply rejected the claim without due diligence.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal has charged my account with overdraft fees when in the contract is stated no extra fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for CapitalOne XXXX XXXXXXXX XXXX XXXX as part of promotion for 0 % APR for 15 months. CapitalOne online page was clearly stating promotional terms while going through the approval process. The last acceptance step was clearly indicating 0 % APR. After receiving a card, CapitalOne refuse to owner promotional rate and set new rate to over 28 %. This is predatory rate. Overall promotional program is running bait and switch operation.

Company response to consumer: Closed with explanation