vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am submitting a complaint regarding Navy Federal Credit Union 's denial of my fraud claim involving unauthorized transactions on my checking account. I reside in XXXX and did not authorize the disputed transactions, did not participate in them, and did not receive any benefit from them. I reported the unauthorized transactions promptly after discovering them and fully cooperated with Navy Federal 's investigation. Despite this, Navy Federal denied my claim. Navy Federal has not provided sufficient information about the disputed transactions or the basis for its decision. Specifically, I have requested information regarding where the transactions occurred and the evidence relied upon during the investigation, but I have not been provided with those details. I am requesting that Navy Federal provide a complete explanation of the denial, including all evidence used to support its decision, and conduct a reinvestigation under Regulation E of the Electronic Fund Transfer Act. I am also requesting that Navy Federal disclose any available information regarding the disputed transactions, including transaction locations, merchant information, ATM locations ( if applicable ), device or IP address information ( if applicable ), and any other records used during the investigation. I am seeking : XXXX. A full reinvestigation of the disputed transactions. XXXX. A written explanation of the basis for the denial. XXXX. Disclosure of the evidence and transaction details relied upon during the investigation. XXXX. Reimbursement for any unauthorized transactions if the reinvestigation confirms they were fraudulent. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
On XX/XX/year> XXXX sent me a text asking about what happened to my promise about making a loan payment to them. and that they have not received it at that time. Then on XX/XX/year>, they sent another text asking me to contact their office concerning an important business matter. Then on XX/XX/year> they sent me a text asking me if i needed quick cash and said my loan was eligible for renewal. I have discussed this with them in the past I am sure, but I have to keep getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX monthly with the XXXX XXXX XXXX XXXX XXXX weekly to get better from a XXXX XXXX XXXX accident a little over a year ago. I have serious XXXX at times from this and my XXXX XXXX XXXX XXXX XXXX. Yet they lied making me think I could get money for renewing the loan and keep texting me or calling. XXXX representative, a female, told me to bring in my new award letters that I have for XXXX payments that I get from the XXXX XXXX XXXX. I get paid on a montly basis and I can not and do not work. I am what the XXXX considers XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
* Account was paid in full on XX/XX/XXXX. It had been closed by me in XXXX and I was told now that it was closed I would not accrue any annual fees or maintenance fees. * Bank account information was removed. Auto pay was shut off. ACH revoked. * An ACH debit of {$310.00} was nevertheless processed on XX/XX/XXXX. * The withdrawal was not authorized. * The company is holding the money as a credit balance. * I am requesting immediate refund of the unauthorized withdrawal to the original bank account or expedited issuance of a refund check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: MN

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding an account used to finance a " XXXX XXXX '' service package at Ideal Image.This loan has been paid and I have all original contracts and receipts.Ideal Image has completely shut down its corporate operations, permanently closed its clinics, and completely breached its contract. As a result, the lifetime services I paid for have been permanently terminated.Under the Federal Trade Commission ( FTC ) Holder Rule ( 16 C.F.R. 433.2 ), which is explicitly incorporated into consumer credit contracts, XXXX the holder of this consumer credit contractis strictly liable for all claims and defenses that I could assert against the seller. Because the merchant committed a total breach of contract by liquidating and permanently withholding my lifetime services, I am legally entitled to a full refund of the funds paid under this contract.When contacting Fortiva customer support, agents refuse to process a merchant dispute or issue a refund, falsely claiming that only XXXX XXXX can initiate a refund. XXXX XXXX is out of business and unavailable. XXXX is engaging in unfair and deceptive practices by refusing to honor the FTC Holder Rule for a fully paid account where services were permanently cut off. I have the receipts. Amount of {$2100.00} was paid on XX/XX/year> for laser hair removal. And {$250.00} for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
RADIUS GLOBAL SOLUTI is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTI is a debt collector. They are falsely reporting on my credit!! Account number XXXX 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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
starting XXXX i started getting charged with this mystery XXXX even tho i never paid for a subscription i use my sisters XXXX account with only charges XXXX dollars while ive been getting charged XXXX to XXXX dollars now every month since 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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> both of me and my wife account acess were blocked by Citi without any notice, no email, no call and no information. We found out from the Citibank that both of our accounts were blocked because of the XXXX security. All of our financial are at the Citi bank and this put us in a financial hold, our savings, checking and credit cards. We called Citi and they have been giving us around and no one is willing to help. Since we live in Texas and there is no physical branch nearby.

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 2026-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: MN

Complaint narrative:
To Whom It May Concern : I am submitting a complaint against XXXX XXXX XXXX regarding my auto loan account. XXXX XXXX XXXX has informed my husband and me that our account is XXXX months delinquent dating back to XX/XX/year>. We dispute this claim. Our records show that payments were made and accepted by XXXX XXXX XXXX, including : XX/XX/year> XXXX of {$610.00} made. XX/XX/year> - Payment of {$500.00} made. XX/XX/year> - Payment not made. XX/XX/year> - Payment not made. XX/XX/year> - Vehicle repossessed. XXXX alleges account was XXXX months delinquent beginning in XX/XX/year>. Based on our records, the only payments currently outstanding are XX/XX/year> and XX/XX/year>. We do not understand how XXXX has determined that our account is XXXX months behind beginning in XXXX. In addition, I previously spoke with a XXXX representative in a recorded telephone conversation regarding the company 's repossession procedures. During that conversation, I was informed that repossession generally would occur after XXXX missed payments in accordance with the loan agreement. However, XXXX is now asserting that we are XXXX months delinquent despite our payment records showing otherwise. I have requested validation and documentation from XXXX but have not yet received sufficient evidence supporting its delinquency calculation. I am requesting that XXXX XXXX XXXX : XXXX. Conduct a full review of my account. XXXX. Provide a complete payment history and account ledger. XXXX. Explain how the account was calculated as XXXX months delinquent. XXXX. Correct any inaccurate account records. XXXX. Suspend any repossession activity until the dispute is fully investigated and resolved. XXXX. Correct any inaccurate reporting made to credit reporting agencies. I also attached proof of the XX/XX/year> payment and the XX/XX/year> payment for review by them via email. I will follow that email with a letter via certified mail. Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint because I am the victim of identity theft involving a Citi credit card account that I never opened, used, or authorized. I first learned of the issue when I received a collections letter for a Citi account I had never heard of. This was alarming and deeply upsetting. After receiving the letter, I immediately checked my credit report and found an unfamiliar Citi credit card with charges I did not make. I contacted Citi right away to report the account as fraudulent. Despite multiple attempts to resolve this, Citi dismissed my dispute and refused to provide any information about the account, including the card number, application details, or transaction history. I have been left with no explanation, no documentation, and no way to understand how this account was opened in my name. This situation has caused significant stress and has damaged my sense of financial security. I am asking the CFPB to review Citis handling of my dispute and require them to treat this account as identity theft, provide the documentation I am entitled to, and remove the fraudulent account and related negative information from my credit reports.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of my payroll direct deposit and the lack of assistance I received from customer service representatives. I have been receiving direct deposits from the same employer into this account on a biweekly basis for approximately three years without issue. Despite this established history, my most recent payroll deposit has been placed on hold for what Citibank describes as security reasons. On the date of my inquiry, XX/XX/year> I spoke with XXXX separate representatives : XXXX, XXXX, and XXXX. Each representative refused to provide meaningful assistance or a reasonable explanation for why my payroll deposit was being held. I repeatedly explained that the deposit is visible as pending and that my employer has confirmed the payroll funds were released successfully. Nevertheless, Citibank representatives continued to suggest that the issue was related to my employer despite my employers confirmation that the funds had already been transmitted. As a result of Citibanks actions, I am now facing a holiday weekend without access to my paycheck. This creates unnecessary hardship and places my ability to pay bills and manage my financial obligations at risk. The lack of transparency, accountability, and urgency demonstrated by Citibanks customer service staff is unacceptable. This is not the first time I have experienced issues with Citibanks handling of my account and deposits. The repeated disruptions have negatively impacted my finances and confidence in Citibanks ability to manage my banking relationship.

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 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint against Ally Financial regarding their failure to issue a GAP cancellation refund owed to my business, XXXX XXXX XXXX. On XX/XX/XXXX, XXXX XXXXXXXX XXXX financed the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Deal # XXXX ) through Ally Financial. As part of the transaction, a Guaranteed Asset Protection ( GAP ) Deficiency Waiver Addendum was purchased for {$890.00}, administered by XXXX XXXX XXXX XXXX The XXXX contract was subsequently cancelled and a prorated refund was confirmed to be owed. The financing with Ally Financial has been paid in full, meaning the refund is owed directly to XXXX XXXXXXXX XXXX not applied to a loan balance. Despite the cancellation being processed, Ally Financial has failed to issue the refund. I have contacted Ally Financial by phone on XXXX separate occasions over the past XXXX months. During XXXX of those calls, I was informed that the refund would be received within XXXX to XXXX business days. It has now been more than XXXX business days and I have still not received anything. I also specifically requested that the refund be sent with tracking information so I could confirm receipt. Ally Financial refused this request, stating they were unable to accommodate it. This is unacceptable given the amount of time that has already passed without resolution. This failure to process a contractually owed refund in a timely manner, combined with the refusal to provide any means of confirming delivery, constitutes an unfair and deceptive practice. Business Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deal # : XXXX Loan Company : Ally Financial GAP XXXX : XXXX XXXX XXXX XXXX XXXXXXXX ) Original XXXX XXXXmount : {$890.00} Loan Status : Paid in Full

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 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX I sent an email to my quick wallet stating that I revoke any ach authorization from my bank account and to verify they received my email and that they stopped the authorization. Well they totally ignorey request and still took the {$88.00} from me account on XX/XX/XXXX. I try calling but they never answer. I went to my bank and they did a stop payment just have to wait to see if its stopped in time. They completely ignored my request and under regulation XXXX they have to stop

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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