vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm formally disputing the closure of my XXXX XXXX XXXX account and the forfeiture of approximately {$1400.00} in earned cashback rewards. On or about XX/XX/XXXX, my account was closed without prior notice, warning, or opportunity to address any concerns. When I contacted Citibank on XX/XX/XXXX, I was informed that the cashback rewards i had earned through XX/XX/XXXX would be mailed. However, this has not occurred, and I have since learned that the rewards may have been forfeited. This situation is both unexpected and concerning given my history as a customer. I have maintained this account for approximately XXXX years with a strong payment record. My typical practice has been to pay the balance in full on a weekly or bi-weekly basis. The closure appears to be tied to XXXX returned payments. XXXX on XX/XX/XXXX when my wife accidentally selected an account that had recently been closed. And another on XX/XX/XXXX when my paycheck deposit was delayed XXXX day due to starting a new job. Both incidents were unintentional and were corrected with payment in full as soon as we were aware. Despite this, Citibank : - Provided no prior warning or request for clarification- Did not consider my long-standing payment history- Did not acknowledge that all balances were promptly resolved - Failed to provide a clear explanation in writing beyond a general reference to missed payments within a month - Additionally, the timing of the account closureimmediately prior to the issuance of earned cashback rewardsraises serious concerns. It looks like our {$1300.00} cash back should have been awarded BEFORE the XX/XX/XXXX missed payment as the XX/XX/XXXX statement shows our cash back award reset and earning {$110.00} ( XXXX award should have been issued at that point before there was another payment issue and was not within a XXXX day period as they claimed over the phone ). Given these circumstances, I respectfully request the following : - A detailed explanation for the account closure, including specific dates and policy references- Reinstatement or issuance of the full cashback rewards earned ( approximately {$1300.00} ) - A review of this decision in light of my long-term account history and demonstrated payment behavior I have been a loyal and responsible customer for nearly XXXX decades, and I believe this situation does not reflect that history. I am asking for a fair and thorough review.

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 2026-04-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express serve is declining to refund ~ {$1500.00} in fraudulent charges back to my account that were taken in a manner as they failed to protect and stop suspicious activity on my account. I have provided a police report, my work paystubs, my card activity and all prove not to be consistent with what their investigation entails and they have no reason to provide me with a refund of of these charges as I was not in California at the time of all this ( I was in XXXX XXXXXXXX ) and they are failing to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had my identity stolen and someone opened a credit card in my name with TRUIST BANK. I called to have the account closed and removed from my credit report for identity theft. They said they needed to send it to internal investigations. It has been over a month and they said there is no additional information they can provide to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Goldman Sachs Bank USA XXXX Apple Card ) regarding inaccurate credit reporting. I had an Apple Card account which was previously charged off. I have since paid this account in full, and the balance is now {$0.00}. However, Goldman Sachs continues to report this account as a charge-off with derogatory status, which does not accurately reflect the current condition of the account. This is materially misleading and is negatively impacting my ability to obtain credit. Despite resolving the debt, the account is still being reported in a way that suggests it is unpaid or in default. I have attempted to address this directly, but the reporting has not been corrected. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate and complete information. I am requesting the following resolution : Immediate update of the account to reflect : Paid in Full {$0.00} balance Removal of any charge-off, loss, or derogatory classification Alternatively, if the account can not be accurately updated, I request that the tradeline be deleted entirely from all credit bureaus. Written confirmation that the reporting has been corrected with all three credit bureaus ( XXXX, XXXX, and XXXX ). This inaccurate reporting is causing ongoing harm to my credit profile and financial standing. I expect prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC
State: NY

Complaint narrative:
JPay said my credit card company, XXXX XXXX, charged me a {$10.00}. cash advance fee as it categorized the transfer as a cash advance. I've used Jpay many times to transfer funds to an incarcerared person but was never charged a cash advance fee. XXXX XXXX says JPay categorized the transaction as a cash advance and that's why they charged me {$10.00}. Plus {$.00} for interest. This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am disputing unauthorized and incorrect activity on my credit card account, as well as the resulting inaccurate balance. I made a valid payment of {$310.00}, which was successfully processed and completed before the payment due date. I have confirmation of this payment from my bank and from Barclays customer support. After this, despite AutoPay being turned off, Barclays initiated additional payment attempts on my account without my authorization, including duplicate and other random payment amounts. These system-initiated payments were attempted multiple times ( at least three times ) after I had already made a valid payment. These unauthorized payment attempts were not successfully processed and were returned. Barclays is now using these failed payment attempts to calculate my account balance and justify additional charges. Barclays has stated that these payments failed due to insufficient funds or issues with my external bank account. However, this explanation is incorrect and does not address the actual issue. The problem is not insufficient funds the problem is that Barclays initiated these payment attempts without my authorization, after AutoPay was disabled. I am not responsible for payment attempts that I did not initiate. Additionally, Barclays has failed to properly reflect my valid payments in the account balance, which has led to incorrect fees and interest being charged. I contacted Barclays multiple times to explain that this is not a standard returned payment issue. However, Barclays has : failed to investigate why unauthorized payment attempts were initiated, failed to explain how my balance was calculated, continued to rely on incorrect assumptions about insufficient funds, and failed to correct the account despite evidence of valid payments. Instead, Barclays continues to treat this as a simple returned payment issue and has escalated the matter to collections, even though the balance is actively disputed and based on incorrect system activity. This has caused financial harm, stress, and potential damage to my credit. I am disputing both : the validity of these unauthorized transactions, and the accuracy of the resulting account balance.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding a disputed charge involving a XXXX XXXX XXXX flight that was originally purchased using my Chase account. I booked and fully paid for a XXXX flight in advance. At the time of booking, I received confirmation that the reservation was valid. However, when I arrived at the airport, I was informed that my booking had been cancelled in the airlines system, despite still showing as valid on my end. As a result, I was forced to pay again at the airport in order to board and complete my travel. Because I was charged twice for the same flight, I submitted a dispute through Chase to recover the duplicate charge. However, Chase has since denied my dispute without providing any meaningful explanation, documentation, or reasoning for the decision. I was not given sufficient detail regarding why the claim was rejected or what evidence was considered. I believe this is an incorrect outcome, as I was charged for the same service twice due to an issue outside of my control, and I have not been properly reimbursed. I am requesting a full review of this case, clarification on the basis for the denial, and reimbursement for the duplicate charge incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX claims that they are a debt collector representing XXXX XXXX. I first received a postcard by mail claiming this on XX/XX/XXXX and promptly emailed them a letter disputing the debt, informing them that I am a victim of identity theft. I also requested they validate this debt, which they only partially did. I called them at the number provided on XX/XX/XXXX to follow up and request what information they needed from me to prove this fraud and identity theft to them. After obtaining permission to record, the rep told me to send as much evidence as I had. I asked if I could have a few days time to do this as I was dealing with another time urgent matter. On XX/XX/XXXX at XXXX I emailed them copies of my full FTC identity theft report, my IRS affidavit, proof of freezing my credit reports, my recent experian scan showing that my info is still available for purchase on the dark web, police report, letter from wake med admitting to the data breach, and communications with the DSS re : XXXX insurance that someone took out in my name as well as terminating that fraud insurance. Per their suggestion I called the XXXX to make a new police report and met with XXXX XXXX XXXX XXXX 's police department on XXXX. But apparently on XX/XX/XXXX, XXXX already generated a pack of information about their intentions to sue me. I did not receive the pack until XXXX, which is part of what prompted me to speak to the police. I showed the police that XXXX was demanding that I send them a full copy of my unredacted SSN card, and complete forms with further sensitive information about account numbers, addresses when used etc. XXXX advised me that under no circumstances should I send them any of this info, informed me that if they were legitimate they would already have the info. Seeing the dates in question on the statements provided by XXXX, she noticed it overlapped with when my identity was just stolen between the XXXX XXXX breach and XXXX XXXX XXXX XXXX breach. She updated my original police report instead of generating a new one. On XX/XX/XXXX I emailed XXXX again to inform them of what the officer said and that I would not be providing that info because what I already had provided should suffice. XXXX never fully validated the debt. They included a bill of sale but no where does it show that they have authorization for this specific debt. Additionally, they were informed multiple times this was a result of fraud and identity theft. The way they spell my name is WRONG on all documents by the way. It does not match my XXXX. When I spoke to rep over the phone on XX/XX/XXXX he repeatedly referred to me as XXXX. It's clear they do not have the right person. This debt is not mine and they should not be coming after me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Turning Point Solutions LLC
State: WI

Complaint narrative:
I am filing a complaint against Advanced Capital Solutions, ( also known as XXXX XXXX ) regarding an alleged debt they are attempting to collect and reporting to the credit bureaus. I have requested validation of this debt multiple times over the past several months via email and text message. Despite these repeated requests, the company has failed to provide any proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have not provided : * The name of the original creditor * An itemized accounting of the alleged debt * Any signed agreement or contract * Proof of their legal authority to collect Despite failing to validate the debt, the company continues to : * Report this account to the credit bureaus * Attempt to collect payment, including sending me a recent text message with a payment link I have also disputed this account with TransUnion, noting the companys failure to validate the debt. This constitutes continued collection activity and credit reporting without proper validation, which I believe is a violation of federal law. I am requesting that Advanced Capital Solutions : 1. Immediately cease all collection activity 2. Provide proper validation of the alleged debt OR 3. Delete this account from all credit reporting agencies If they are unable to validate this debt, they must immediately request deletion from all credit bureaus. I have retained documentation of my validation requests and their continued collection attempts and will provide it upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express continues to refuse to resolve the dispute previously reported in CFPB complaints ID XXXX and XXXX. The dispute involves XXXX XXXX transactions, both posted on XX/XX/year>, in the amount of {$360.00} each. XXXX has already admitted in writing that both chargebacks were resolved in my favor. In its written response to complaints submitted to the Federal Communications Commission and the New York Attorney General on behalf of my father, XXXX XXXX, XXXX confirmed that the first chargeback under order ID XXXX was resolved in my favor and returned to my financial institution, and that the second chargeback under order ID XXXX was also processed accordingly. XXXX further stated that it would not be contesting either chargeback. See Evidence XXXX. In a separate response dated XX/XX/XXXX, XXXX again acknowledged that the refund had been processed. See Evidence 2. Despite the merchants direct written confirmation, American Express continues to deny both disputes and has failed to provide any reasonable or adequate explanation as to why my account remains billed for both transactions. American Express has therefore failed to properly investigate and resolve a dispute where the merchant itself has admitted that the chargebacks were resolved in my favor. I request that American Express immediately reverse both charges, correct my account balance, and provide a substantive written explanation for its prior denials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, GA, XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to file a formal complaint against Radius Global Solutions regarding an erroneous collection account appearing on my credit reports with XXXX XXXX XXXX. This account is listed under account number * XXXX XXXX XXXX XXXXXXXX with a balance of {$800.00} and is currently in collection status. I have no knowledge of this debt, nor have I ever opened an account that would result in this collection. I have already disputed this with the credit bureaus on XX/XX/XXXX, as an incorrect detail, but the account remains on my credit reports, negatively impacting my credit scoreXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Radius Global Solutions is attempting to collect a debt that is not mine, which constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) as it is an attempt to collect a debt not owed by me. This erroneous account is causing significant harm to my creditworthiness and financial reputation. I am requesting the complete removal of this account from all three major credit bureausXXXX XXXX XXXX XXXX XXXXhis action is necessary to correct the negative impact on my credit scores and to protect my financial integrity.

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 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXX on XX/XX/year> called for updated status on XXXX XXXX. I get told that I am not due the refund from Toyota Financial Services by XXXX in the Resolution Team at XXXX. I try to talk to the Resolution team at Toyota Financial Services, but no one will talk to me now. I call XXXX XXXX at XXXX XXXX in XXXX Oklahoma XXXX in Finance he informes me that Toyota Financial Services took the money out of XXXX XXXX account for the XXXX refund but Toyota Financial Services is refusing to give me back my money that is due to me,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting a complaint regarding excessive and repeated overdraft ( NSF ) fees assessed on my account within a very short timeframe, which I believe to be unfair and disproportionate. On XX/XX/year>, I was charged an overdraft fee of {$72.00}. On XX/XX/year>, I was charged an additional overdraft fee of {$36.00}. In addition, I currently have a pending overdraft fee of {$100.00}, bringing the total overdraft-related fees to {$210.00} within approximately a XXXX hour period. These fees appear to have been triggered by multiple small transactions, including : * XXXX XXXX {$23.00} ( XX/XX/year> XXXX XXXX XXXX {$5.00}, {$3.00}, and {$7.00} ( XX/XX/year> ) * XXXX {$7.00} and {$29.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} * Additional pending transactions including XXXX {$19.00} and XXXX {$80.00} The total amount of the transactions is significantly lower than the total overdraft fees assessed. The bank charged multiple fees in rapid succession rather than limiting or declining transactions once the account became overdrawn. Actions taken : I reviewed my account transactions and identified that multiple overdraft fees were charged for transactions processed closely together. These charges compounded quickly, creating a negative balance that continued to trigger additional fees. Issue : The overdraft fee practices appear excessive and punitive, especially given : * Multiple fees charged within a single day or short period * Fees exceeding the amounts of individual transactions * Lack of reasonable limits or safeguards to prevent repeated charges Requested resolution : I am requesting : XXXX. A full review of the overdraft fees assessed on April 2021, 2026 XXXX. A refund or reduction of the excessive overdraft fees XXXX. Clarification of the banks overdraft fee policy, including how multiple fees are triggered within such a short timeframe XXXX. Implementation of reasonable limits to prevent excessive fee stacking in the future

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