vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Against Citibank XXXX XXXX, Account Closure, and XXXX Reporting I am submitting this complaint regarding Citibanks handling of my account, disputes, and subsequent reporting, which I believe has been unfair, inadequate, and harmful. First, Citibank relied heavily on automated or bot-like processes when handling my disputes. I did not receive a meaningful investigation or the opportunity to fully explain or provide supporting documentation. My disputes appear to have been reviewed and denied without proper human evaluation, which does not align with the requirements under Regulation E for a reasonable investigation. Second, my account was wrongfully closed without providing me a fair opportunity to resolve any concerns or alleged issues. I was not given clear explanations, sufficient notice, or a chance to correct or verify any activity before closure. This abrupt action caused financial disruption and limited my ability to access or manage my funds. Third, Citibank reported negative information to XXXX related to this situation. This reporting is especially concerning because it stems from disputes that were not properly investigated and an account closure that I believe was unjustified. This has now impacted my ability to open or maintain accounts elsewhere. To resolve this matter, I am requesting the following : 1. A full and proper review of my disputes by a qualified human investigator. 2. Written documentation explaining the exact reason for my account closure. 3. Removal or correction of any inaccurate or unfair reporting to XXXX. 4. Confirmation that Citibank is complying with Regulation E requirements for dispute investigations. I am seeking a fair resolution and accountability for how this situation was handled. I appreciate your assistance in reviewing this matter.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC regarding their failure to properly validate an alleged debt and their continued collection activity despite an unresolved dispute. I previously submitted a written dispute requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. In response, Portfolio Recovery Associates provided a limited set of documents consisting of a summary page and a single account statement. These documents do not constitute proper validation. Specifically : The bill of sale provided is generic and does not identify the specific account No complete chain of assignment has been provided to establish ownership No signed agreement or contract bearing my signature has been provided No complete payment history has been provided to verify the amount claimed The documentation reflects inconsistent balances without explanation The records provided include an outdated and inaccurate address, raising concerns about data accuracy Despite these deficiencies, Portfolio Recovery Associates stated that they have completed their investigation and that the account has been validated. They then re-sent the same incomplete documents without addressing the issues identified in my dispute. This conduct appears to violate : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) for failure to properly validate the debt The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) for making misleading representations regarding validation The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), to the extent inaccurate or unverified information is being reported I am requesting that Portfolio Recovery Associates : 1. Cease all collection activity 2. Provide proper validation with complete documentation, or 3. Delete the account from all consumer reporting agencies Portfolio Recovery Associates has failed to conduct a meaningful investigation and continues to rely on incomplete and inaccurate records. I request that this matter be investigated and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Columbia Debt Recovery. This account stems from a residential lease ; however, the balance and reporting are disputed due to inaccuracies. I was granted approval for a change in lease terms, including a transition to a month-to-month arrangement due to a home purchase. I coordinated my move-out with the leasing office and corporate representatives. Despite this, Columbia Debt Recovery is reporting a balance that does not reflect the agreed-upon terms. I have not been provided adequate documentation to validate the debt, including itemized charges, proof of damages beyond normal wear and tear, or confirmation that proper procedures were followed. I previously disputed this account with the credit bureaus, yet it continues to be reported inaccurately. This raises concerns regarding compliance with the Fair Credit Reporting Act, which requires all reported information to be complete and accurate. I am requesting that this matter be investigated thoroughly and that the account be corrected or removed from my credit file if it can not be properly verified. I am also requesting that Columbia Debt Recovery provide full documentation supporting the validity of this debt. Original balance- {$2500.00} Current Principal- {$2500.00} Interest Due- {$28.00} Total Due- {$2600.00} I spoke with manager at apartment complex about a month to month being that i was about to purchase a home, she approved stated i had until XX/XX/year>, requested i leave key in mailbox and I did just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an existing Capital One customer with an active 360 Checking account and a Quicksilver credit card ( XXXX XXXX XXXX XXXX XXXX XXXX ). I was recently approved for a Savor card ( ending in XXXX ) with a {$2000.00} limit. The card was shipped on XX/XX/XXXX, but before it even arrived, the account was restricted and marked for closure. When I contacted customer service, l was told the decision was final due to " inconsistent activity. '' Crucially, Capital One never even requested identity verification or supporting documents before closing the account. As an international flight crew member, my travel is part of my job. Instead of asking for my XXXX ID or verifying my identity-which I was ready to provide-the bank chose to close the account abruptly. This is an unfair practice that has damaged my credit score with a Hard Inquiry. I request that the Executive Office performs a manual review, allows me to provide the necessary ID, and reinstates my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Global lending service will not stop contacting me as Ive told them to contact my mother who is primarily the lease holder on the vehicle and the company we bought the car from has closed to illegal duties and my car is totaled and I told them that and they still are threatening me to pay this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Issue : Auto Loan - vehicle never received / lender failed to ensure collateral Complaint : I obtained an auto loan through Navy Federal Credit Union for the purchase of a specific vehicle. The loan funds were disbursed directly to the dealership, and the dealership cashed the check. However, I never received the vehicle. Despite this, I have been making payments on this loan for almost two years. I do not have possession of the vehicle, nor have I received the title documentation. I also do not have confirmation that a valid XXXX was recorded. I contacted Navy Federal Credit Union, and they stated there was nothing they could do because the dealership is no longer in business. This response is unacceptable. This loan was issued for a specific vehicle ( collateral ), which was never delivered. As the lender, Navy Federal had a responsibility to ensure the loan was properly secured and that the transaction was complete. The transaction occurred in Tennessee, and I am currently attempting to verify title status through Tennessee DMV records. I have never received the vehicle tied to this loan. I am requesting : A full investigation into this loan and associated dealership transaction Documentation of the VIN, title status, and XXXX record Immediate correction of this loan, including potential cancellation or reimbursement of payments made for a vehicle never received I believe I have been financially harmed due to a failure in the lending and dealership process. I am requesting prompt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I am with SoFi bank There have been multiple occasions of funds holding where the funds will be held for a time but when I check on it a few hours later the funds were miraculously posted on a previous day but the funds were never available to me. SoFi is somehow withholding fund and releasing them to show posted on days they were not, it they had posted some of the accounts they denied funds do to insufficient balance for should have been paid. I dont know exactly what is going on with SoFi but they are holding funds excessively, not paying interest on the held funds when released or claiming that the funds were posted on a previous day but never granting any access to them ( as if I spent them when they held them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliance One, Inc.
State: IL

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) protects consumers from fraudulent, deceptive, or abusive debt collection tactics. It prohibits collectors from misrepresenting debts, impersonating authorities, or threatening illegal actions. Consumers can dispute debts, demand verification, and report fraudsters to the CFPB. Key Protections Against Fraudulent Collectors Validation Requirement : Within five days of initial contact, collectors must send a written notice specifying the amount owed and the creditor 's name. Prohibition of False Statements : Collectors can not claim you owe more than you do, lie about their identity, or use fake documents. Prohibition of Threats : It is illegal to threaten arrest, imprisonment, or seizure of property unless that action is lawful. Prohibition of Harassment : Collectors can not harass you with constant phone calls or call before XXXX XXXX or after XXXX XXXX Disputing Debt : If you dispute a debt in writing within 30 days, collectors must pause collection until they provide verification. I dont know how I ole this company nor any other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Sometime between XXXX XXXX, a credit card was ordered from someone stealing my idenity, ordered an Amex card and sent it to my old address in XXXX XXXX XXXX I filed a police report with the XXXX XXXX Police Department and they found it was fraud. I filed a report with the FTC and they found it was XXXX. I filed a report with the XXXX and they found it was fraud. I sent all of this information to all 3 credit bureaus and they found it to be fraud and removed it from my credit report. Now, every year, American Express keeps adding it back on to my credit bureaus and I have to go through the same dispute process. This account is not mine and has been proven by XXXX and local law enforcement to be fraud. Please help me to remove this from my credit reports permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I had a chime account and I was in the process of disputing Id say XXXX items maybe XXXX because of charges on my account that werent supposed to be there, XXXX of those charges Ive showed proof stating the company would issue a refund, I kept disputing a charge XXXX times because they denied my dispute saying it was supposed to happen or was authorized, when providing them proof of the charges not suppose to happen and the companys stating they would issue a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCOUNTS : 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 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 XXXX XXXX XXXX All above stated accounts, inquires, loans and colleactions are acts of fraudulent activity which I totally do not recognise. Please remove from my credit report. Thank you!

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
About every month BOA locks me out but with my last automated payment to my mortgage they put a fraud lock on my account. They withdrew the payment to truist bank. I have previously been charged late fees on my mortgage due to being locked out of my account. They want to send a verification code to my phone but their software doesn't allow the input of an international phone number. My old XXXX XXXX phone number remains on the account because there has to be one. Their customer care associates can not change the profile data to allow the change to sending verification codes to the email on the account only I can do that online but that requires sending a confirmation code via phone. No resolution there. Now they say I need to present in person. That involves {$2500.00} flight, accommodation, related transport and other fees. I'm older, not in good health and have no-one to look after my two cats. Hey can I get travel insurance. They also can't guarantee the problem will not reoccur once I return home. My house is my retirement fund and BOA seems to be trying to push me to foreclose. The rent from the property in the account more than covers the mortgage payments and I have recently wired funds for an extra months grace period. I currently have to wire money to Truist bank to cover the mortgage payments which incurs extra fees. I do not have money to keep this up. Phoning BOA Tower customer service costs {$10.00} - {$25.00} a call and so far I've been averaging up to 2-4 a month. Please help prevent Bank of America pushing me to foreclose.

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 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
MY CAR WAS STOLEN I VOLUNTARILY REPOSSWED THE CAR AND THEY WILL NOT PROCESS TO FIND MY VEHICLE OR REMOVE IT OFF MY CREDIY AND IM SUFFERING AND DONT NEED TOO I DO NOT HAVE THE CAR I HAVE REPORTED IT STOLE TO POLIVE IN OKLAHOMA AND SENT IT TO THE COMPANY AND INFORMED THEM OF STOLEN INFO ITS BEEN A YEAR ANS NO PROGRESS I DO NOT AND SHOULD NOT BE SUFFERING BECAUSE THEY CANT COMMUNICATE OR MAKE PROGRESS ON MY CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: Chime Financial Inc
State: MD

Complaint narrative:
on XX/XX/XXXX i sent a payment of {$5600.00} i sent {$3000.00} for my deposit and i sent the remaining {$2600.00} when the dealer explained i had to pay for vehicle.i reached out to chime about my dispute and they denied my claim. they are letting people get away with taking money and im assed out of my {$5600.00} i will be suing chime i will be talking to my lawyer and i will sue for more than my {$5600.00} because these companies tell you to make a claim and look into the claim and just basically let people get away with scamming and fraud. whats the purpose of a claim just to be denied, especially if IM THE VICTIM .. IM SUING CHIME

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hunter Warfield Inc reported a {$49000.00} collection account against me to all three credit bureaus in XX/XX/XXXX. This is illegal. The case is actively under appeal in XXXX XXXX XXXX XXXX XXXX I Case Number XXXX accepted XX/XX/XXXX. The debt is legally unresolved and can not be reported as a final collection while appeal is pending. XXXXXXXX XXXX XXXX XXXX XXXX attorney received the appeal acceptance papers before Hunter Warfield reported. I am XXXX XXXX XXXX and my financial life is being destroyed before it even begins by this illegal reporting. I am named in the appeal case. Hunter Warfield reported against me while the appeal was active and has continued reporting every single month for XXXX consecutive months through XX/XX/XXXX. This violates FCRA Section 1681s-2 ( b ) and FDCPA Section 1692g. Certified dispute letters were sent XX/XX/XXXX via certified mail. No response received. I demand immediate deletion from all three credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have an account/credit card with this company, and am currently paying a 27.49 % -28.24 % variable interest rate on it. I am married XXXX XXXX XXXX XXXX XXXX so I am also entitled to the Service Member Civil Relief Act. I have attempted multiple times to enact it with this company, with no success according to the law, they have to abide by this request.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account from XXXX XXXX XXXX, was sent to LVNV Funding LLC a collection agency who has reported this to credit bureaus. However this account is a result of identity theft and they are refusing to report for deletion/removed account from credit reporting agencies. Ive submitted an FTC identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
I just got out of prison on XX/XX/year> and my progress jpay card wouldn't actative because it is not registered and I am trying to receive my {$35.00} off the card.... The prison I was at was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: DE

Complaint narrative:
[ SUMMARY ] Improper closure of brokerage account XXXX due to Schwabs internal communication failure and erroneous " non-response '' status. [ TIMELINE ] I opened this account on XX/XX/XXXX and it remained in good standing until I applied for a supplemental checking account./ On XX/XX/XXXX, I followed instructions from XXXX customer service and faxed verification documents to XXXX. I have the transmission record./ On XX/XX/XXXX, I returned a call to XXXX as requested. The agent promised a call-back with an interpreter but never did ; subsequent calls to this number were ignored./ On XX/XX/XXXX, Schwab sent an email denying my application and closing my established brokerage account based on the false claim that I " failed to respond. '' [ THE ISSUE ] This is a factual error. Schwabs failure to process my fax and their broken promise to call back resulted in an unjustified account termination.

Company response to consumer: Closed with explanation