vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I am filing this complaint against Citizens Bank / XXXX for a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 3 ). I have sent multiple correspondence and filed CFPB and SCDCA complaints disputing the validity of the debt, a breach of contract regarding Total and Permanent Disability ( TPD ) discharge terms, and a claim for restitution of {$23000.00}. Under the FCRA, once a furnisher of information receives notice of a dispute from a consumer, they are legally required to include a " Disputed by Consumer '' marker when reporting that account to the credit bureaus ( XXXX, XXXX, and XXXX ). Despite my notice, Citizens Bank / XXXX XXXX did not report my account with the mandatory dispute marker. This omission is a willful violation of federal law that negatively impacts my credit score and misrepresents my financial standing to third parties. I have already attempted to resolve this directly with the company, but they failed to update their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: WY

Complaint narrative:
On Saturday, XX/XX/year>, I received a payment of {$100000.00} from a customer for services I was due to provide. Shortly after receiving the funds, I was contacted by my bank, Revolut, requesting additional information and documentation. The communication stated that I had up to two weeks to provide the requested information, otherwise my account could be restricted. While I was in the process of gathering the required documentation, and before the two week period had elapsed, Revolut froze my account and restricted access to the funds. This prevented me from using the money to pay my supplier, which was necessary in order to deliver the agreed services to my customer. On the same day the restriction was applied, I submitted all available documentation. On XX/XX/year>, Revolut requested further information, which I also provided on the same day. Despite complying promptly with all requests, Revolut has continued to hold the funds and has not provided a clear timeline for resolution. I have been in contact with Revolut multiple times per day, but the funds remain frozen. As a result : - I have been unable to fulfil my contractual obligations to my customer - My customer has requested a refund and is threatening legal action- I have lost over {$40000.00} in deposits paid to a supplier - My business has suffered significant financial and reputational damage I requested that Revolut return the funds to my customer so that the situation could be resolved, but this request was refused. I am seeking the immediate release of the funds or, alternatively, the return of the payment to my customer, as well as an explanation for why the account was restricted before the stated deadline and despite my compliance with all documentation requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I made a purchase with my capital one card on the capital one shopping app. Per the terms of the promotion capital one shopping had sent me, I was entitled to a cash back reward of 25.5 % ( 75 % back for my purchase on if I started a new accounts not which I did ). When I called capital one to inquire I had to speak to 7 different representatives before I finally made it to the correct department. When I finally got a hold of someone to help they told me there was nothing that they could do and that I must have done something wrong. So I went back and checked terms and made sure everything was correct to receive the credit, it was correct. In the process of these calls not only was there no mention of honoring the credit, but I also noticed that my existing credits had been wiped. So not only did I not receive the credit that I qualified for but I was stripped of the credits I had acquired from prior purchases. When I inquired about the lost credits I was told again that they would do nothing to retrieve my credits, and of course no help in getting me the credits I had earned though my XXXX purchase. I sent them confirmation of the email offer ( which they claimed was false ) and the proof of purchase from the capital one shopping website ( which they said I must not have used. The attachments I am sending with this message are the same attachments I sent to capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent information provided by Consumer Portfolio Services , Inc. related to a repossessed vehicle and the alleged deficiency balance. The vehicle was voluntarily surrendered in XX/XX/year>. The company later sold the vehicle and is now claiming that I owe a deficiency balance. On XX/XX/year>, I received a notice of intent to sell the vehicle. On XX/XX/year>, I received a deficiency calculation stating that I owed {$9600.00}. However, prior account information and communications indicated a remaining balance of approximately {$8300.00} after the sale of the vehicle. These amounts are inconsistent and do not reconcile. Additionally, the company claims that the balance owed prior to the sale was {$13000.00}, but they have not provided any clear explanation or documentation showing how this amount was calculated. I submitted a written request to the company asking for a full accounting of the debt, including : - A detailed breakdown of how each payment I made was applied to principal, interest, and fees- A clear explanation of how interest was calculated - A complete itemization of all charges and fees - Documentation supporting the sale of the vehicle, including proof that the sale was commercially reasonable In response, the company provided only a summary sheet with totals. They did not provide a full payment history breakdown, did not explain how interest was calculated, and did not reconcile the conflicting balances. They also failed to provide documentation supporting that the sale of the vehicle was commercially reasonable. Because of these deficiencies, I am unable to verify the accuracy of the alleged balance. The amounts provided by the company are inconsistent and unsupported by sufficient documentation. Despite this, the company continues to report this account and balance to consumer reporting agencies. I am requesting that the company : - Provide a complete and accurate accounting of the alleged debt, including all calculations and payment applications- Provide documentation demonstrating that the sale of the vehicle was commercially reasonable - Correct or delete any inaccurate information being reported to consumer reporting agencies If the company can not fully substantiate the balance with proper documentation, this account should be removed. I have made good faith efforts to resolve this matter directly with the company, but they have failed to provide sufficient and consistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
My identity was stolen. I asked him to give me documentation with the dates signatures and any other proof that they had and they have not returned any of my request and they are reporting to the credit union and its affecting my credit and its a collection company they have the wrong address wrong name and this collection company that bought the account doesnt know that it was fraudulent. I let them know, but they dont want to hear it. I also disputed it with the credit reporting agency, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Incident DescriptionBetween XXXX and XX/XX/year>, I fell victim to a coordinated investment scam perpetrated by an entity operating under the name " XXXX ''. During this period, I was induced to invest a total of US {$250000.00} through a series of fraudulent maneuvers.Timeline and MethodologyInitial Contact : Communication was initiated and maintained primarily through the XXXX messaging platform with an individual using the alias XXXX XXXX ( Account ID : XXXX ) .Deceptive Tactics : The perpetrators used a sophisticated fraudulent infrastructure, including a custom-built trading interface at XXXX. This platform displayed fabricated account balances exceeding {$300000.00} and an alleged 100 % success rate to create an illusion of high profitability.Fraudulent Documents : To further the appearance of legitimacy, I was presented with two fictitious loan agreements issued under the name XXXX XXXX XXXX .. Financial TransactionsThe loss was executed through two primary channels : Bank Wire Transfers : I executed four outgoing wire transfers totaling {$160000.00} from my Fifth Third Bank .Actions Taken and Company ResponseAttempts to Recover : Upon realizing the fraud, I demanded the return of approximately {$200000.00} via XXXX. The handler, XXXX XXXX, refused to release the funds, instead demanding additional " exchange fees '' to unlock my accounta classic " advance fee '' scam tactic.Investigation Findings : A forensic analysis by a third-party investigation firm determined that XXXX was registered via XXXX XXXX XXXX and hosted by XXXX, XXXX.. The investigation concluded that " XXXX XXXX '' is a fictitious alias and the platform " XXXX '' is an unlicensed, purely fraudulent operation.Current Status : Despite the significant red flagsincluding high-value transfers to a known high-risk sector ( cryptocurrency ) and irregular account activitymy financial institutions failed to intervene or prevent these transactions. I am now seeking full restitution for the losses incurred due to these institutional failures in duty of care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Credit Collection Services is reporting a collection account on my credit reports with a balance of {$190.00}, originally from XXXX insurance. This account was opened XX/XX/year> and is currently reporting on my XXXX and XXXX credit reports. I submitted a formal debt validation request to Credit Collection Services via USPS Certified Mail requesting verification of this alleged debt including the original agreement, complete account history, chain of assignment, and proof of their legal authority to collect this debt. To date, Credit Collection Services has not provided validation of this debt. Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, all collection activity including credit bureau reporting must cease until proper validation is provided to the consumer. I am requesting that the CFPB require Credit Collection Services to provide full debt validation and immediately cease reporting this unvalidated account to all credit bureaus until validation is completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
The company in question is CITI Bank. They reported a past due payment for the amount of {$220.00}, which is/was not past due. The amount was still under investigation with billing disputes at Citi and also being addressed through the XXXX XXXX XXXX. I was told initially when Citi disputes reviewed the claim, they closed it out without reviewing all the information. I was also offered {$100.00} by CITI, due to CITI disputes taking months to review the documentation sent in and resolve the dispute with no communication. I asked to reopen the case, which they did and I resent all documentation in different formats multiple times in order to ensure proper review of all documentation. Upon reopening the case, I asked if the amount must be paid, and if the amount will be reported to the credit bureau if not paid, the associate at Citi said it will NOT be reported to the credit bureau and NO PAYMENT is due until the dispute is closed. I called back a second time after I saw that it was reported to the credit bureau as 30 days late and the associate at that time also said it should not be reported and I will not have to pay until the dispute is closed because any active dispute will pause that amount, interest, and any fees. I tried for two months to escalate the issue with Citi executive response. I have documentation of all the attempts that were ignored for 2 months, phone calls went unanswered and emails never responded to. I have proof that I tried to speak to someone and asked for help/clarity on the situation, but was ignored. After the final decisions were made by Citi on XX/XX/XXXX ( which is the date on the top of the attached document ), I then paid the full balance ( including the interest that wasn't supposed to be charged ) on XX/XX/XXXX. I have been completely transparent with CITI and followed their directions the entire time and would like my credit score to be restored to its prior level of XXXX. I have a perfect credit history, have done everything right as a customer and consumer, followed the right channels and even asked for help from CITI to ultimately be ignored and furthermore wrongfully punished by reporting this disputed amount to my credit history. This amount is not late, not 30 days late, not 60 days late, and not delinquent. Thank you for your time. 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 explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I sent a money by XXXX of XXXX from the West Fargo bank to my mom 's account in XXXX XXXX the money arrived correctly but after two days my mom 's account had closed and the money I sent had to have been returned I waited and it never arrived and 90 days have asked the two banks with my mom XXXX I told my mom that the money was already returned and they gave us a letter stating that the money was returned with that I went to West Fargo I sent them by mail and they answered me no that they did not find anything and the transfer was sent correctly and so it was 90 days without either of the two banks with my money I have proof and everything but they have not helped me find that money.

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 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a formal dispute under FCRA 611 regarding multiple inaccuracies on my credit report. I recently reviewed my credit file and identified several issues, including inaccurate account reporting, incorrect personal information, and unauthorized credit inquiries. Specifically, there are accounts being reported with incorrect balances, statuses, and/or payment histories that do not accurately reflect my records. In addition, certain personal information listed on my report appears to be outdated or incorrect, which may be contributing to further reporting errors. I also identified several inquiries that I do not recognize and did not authorize. These inquiries may be the result of unauthorized access or improper reporting practices. Upon discovering these issues, I took immediate action by reviewing my records and initiating this dispute to request a thorough investigation. I am requesting that all inaccurate, unverifiable, or unauthorized information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act. Please ensure that all furnishers verify the accuracy of the reported information and update or delete any items that can not be properly validated.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR RESOURCES INC is falsely reporting on my credit. I have never had any accounts with them. Per my research AR RESOURCES INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: ND

Complaint narrative:
On XX/XX/XXXX i deposited a progressive check XXXX. I was told it would take 3 days to b deposited so on the 9th i messaged and asked where the deposit was and the turned around and said that it would be between the ninth and the 13th that it would be deposited and then turned around and said it would be between the 10th and the 14th to be deposited, which would be 3 to 5 business days. I called XXXX to see if the check had cleared and it did and current customer support told me that the check hasnt cleared yet when it did and theyre saying that they would let me know when it was cleared and they are not issuing me my funds after its already been cleared through XXXX saying its been cleared, which is causing me emotional distress. I cant pay my bills and its causing my health problems to act up due yo stress and the fact I am gon na b homless cuz they wont give me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
My mortgage has been mishandled by the servicer, creating a false delinquency and placing me at risk of foreclosure. I attempted to make my regular monthly payments, but the servicer refused to accept them and blocked my online payment access. This manufactured a delinquency that I did not cause. Escrow accounting is contradictory and inaccurate. In XX/XX/year>, my escrow review showed a surplus of {$2400.00}. By XX/XX/year>, the servicer claimed a negative balance of {$5400.00} without explanation. The payoff quote also contains conflicting escrow figures and inflated charges. I received a Notice of Default, followed immediately by a loan modification offer based on false delinquency amounts, improper advances, unapplied payments, and incorrect escrow shortages. The modification attempts to amend and replace my original Bank XXXX XXXX mortgage, even though I was never notified that XXXX XXXX XXXXXXXX transferred ownership of my loan to Rocket Mortgage, which violates RESPA. A foreclosure law firm ( XXXX XXXX XXXX XXXX ) sent a lien enforcement notice based on these inaccurate figures. I have requested a full accounting, proof of ownership, and correction of errors, but the company has not provided accurate or complete information. I urgently need CFPB intervention to stop foreclosure activity, correct the account, restore my ability to make payments, and require the company to provide proof of ownership and accurate accounting.

Company response to consumer: Closed with explanation