vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CITIBANK, N.A.
State: NC

Complaint narrative:
Subject : Formal Complaint Regarding Violation of the Fair Credit Billing Act ( FCBA ) - Billing Error ( Unapplied Credit for Returned Merchandise ) Citi Case ID XXXX Background : I am filing this complaint against Citi for its failure to resolve a clear billing error under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. On XX/XX/year>, I returned merchandise to the merchant. Documentary Evidence of Return : Proof of Delivery : XXXX Tracking XXXX confirms the merchant received the returned goods on XX/XX/XXXX. Merchant Admission : In a recorded chat on XX/XX/year>, the merchant representative ( XXXX XXXX XXXX explicitly confirmed receipt of the goods and stated, We processed the refund to your XXXX on XX/XX/XXXX. Nature of the Dispute : Despite this overwhelming evidence, Citi has closed the dispute in the merchants favor based on a demonstrably false claim that the merchandise is still in my possession. This is factually impossible as I have provided the bank with the XXXX Proof of Delivery and the merchant 's own confirmation of receipt. Regulatory Violation : Under the FCBA, a creditor must conduct a reasonable investigation into a billing error. Citi has failed to meet this standard by ignoring the physical proof of return and the merchants own admission of a processed refund. The merchant has failed to execute the transaction they confirmed, resulting in a missing credit on my statement.

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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Failure to Validate Debt and Demand for Deletion Transworld Systems Inc. Account : Transworld Systems Inc. Balance {$1000.00} To Whom It May Concern : I am filing this formal complaint against Transworld Systems Inc. regarding the above-referenced account currently being reported on my consumer credit file. I dispute this alleged debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611, I requested proper validation of this account. To date, Transworld Systems Inc. has failed to provide competent evidence that meets the legal standard for validation. Specifically, Transworld Systems Inc. has not provided : A signed contract or application bearing my signature A complete chain of assignment showing their legal right to collect Documentation establishing that I am legally obligated to pay this alleged debt Proof of accuracy of the balance claimed Evidence that this account was lawfully reported to consumer reporting agencies Merely reporting a balance or listing an account without providing underlying documentation does not constitute proper validation under federal law. Continued reporting of an unverified debt constitutes inaccurate and misleading reporting under FCRA 623 ( a ). If Transworld Systems Inc. can not provide full and proper validation of this account, they are required by law to immediately delete this account from all consumer reporting agencies. Failure to comply with federal law may constitute willful noncompliance under FCRA 616 and FDCPA violations, making Transworld Systems Inc. liable for statutory damages, actual damages, and additional civil liability. I am requesting that the Consumer Financial Protection Bureau require Transworld Systems Inc. to : 1.Provide full and lawful validation of this alleged debt, OR 2.Immediately delete this account from all consumer reporting agencies If this matter is not corrected, I reserve the right to pursue all available legal remedies for damages due to inaccurate reporting and failure to properly validate this alleged debt. I expect a timely and legally compliant response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I am filing this complaint regarding my student loan with XXXX, which is serviced by American Education Services. This issue has been ongoing for several months, and despite multiple good-faith attempts to resolve it through both companies, I have not received any meaningful resolution. Instead, I have been repeatedly redirected between the lender and the servicer without accountability, while my account continues to be negatively affected. I have made consistent efforts to remain current on my loan. I had automatic payments set up and attempted to actively manage my account. However, I experienced repeated access issues with the loan system, including being unable to log in and having to recreate my account multiple times. These system failures made it difficult to verify, manage, and ensure my payments were properly processed. Despite these issues, my account was marked as delinquent and late fees were assessed. When I attempted to resolve the issue : XXXX directed me to contact American Education Services American Education Services then directed me back to XXXX This created an ongoing cycle where neither party took responsibility or provided a resolution. I have made multiple phone calls and attempts over several months, but the issue remains unresolved. Additional Issue : Failure to Update Income and Payment Terms I also submitted updated financial documentation, including my tax returns, to reflect a significant change in my financial situation. My previous records reflected a married filing jointly status. I am now single and earn approximately {$26.00} per hour. My current financial situation is substantially different from what was previously used to determine my repayment terms. Despite providing this updated information, my account has not been adjusted. My payment obligations continue to be based on outdated and inaccurate financial data. This has : Created an unrealistic payment expectation Made it more difficult to remain current Contributed directly to the delinquency now being reported Impact As a result of these issues : My account has been incorrectly reported as delinquent Late fees have been applied My credit has been negatively impacted I have experienced ongoing stress and financial difficulty This is especially concerning because I have made repeated, good-faith efforts to resolve the issue and remain in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding American Expresss ongoing conduct during an active dispute and pending CFPB complaint ( Complaint ID : XXXX ). Since submitting my initial complaint, American Express has continued engaging in repeated and improper communication practices that appear to disregard the dispute process and escalate collection activity. Between XX/XX/year> and XX/XX/year>, American Express placed multiple telephone calls to me without leaving any voicemail messages. These calls were frequent, repeated, and occurred during an active dispute period and while a CFPB complaint was pending. Despite the existence of a formal dispute and investigation, American Express continued attempting direct telephone contact rather than limiting communications appropriately. In addition to contacting me, American Express also contacted my spouse, who has no affiliation with the account or the alleged debt. This third-party contact occurred on or about XX/XX/year>. No voicemail message was left, and there is no legitimate reason for my spouse to be contacted regarding this matter. This pattern of conduct includes : Repeated telephone contact without meaningful communication Continued contact during an active dispute and CFPB investigation Escalation to third-party contact involving an unrelated individual I have attached a Master Exhibit Packet documenting : Exhibit A : Repeated calls to me with no voicemail messages Exhibit B : Call placed to my spouse ( third-party contact ) This conduct is particularly concerning because : The account is actively disputed A CFPB complaint is already pending American Express has acknowledged they are still working on the issue Despite this, collection-style contact activity has continued and escalated This pattern of repeated contact, combined with third-party communication, raises serious concerns regarding potential unfair or abusive practices and improper third-party disclosure risk in connection with debt collection activity. I am requesting that American Express : 1 ) Immediately cease all telephone contact with me and any third parties 2 ) Restrict all communications to written correspondence only 3 ) Provide a written explanation for contacting my spouse 4 ) Confirm whether any information regarding the alleged debt was disclosed to any third party 5 ) Provide documentation of their internal policies governing communications during active disputes and CFPB investigations Additionally, I request that the CFPB review whether this pattern of conduct constitutes improper communication practices during an active dispute and pending regulatory investigation.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
One of the benefits of my Bank Of America Premium Rewards Visa Signature is a yearly {$100.00} incidental airline credit. I made a purchase on XX/XX/year> for a seat upgrade via American Airlines. This wasn't reimbursed via the incidental airline credit. After waiting more than a month to see if the credit would be automatically issued, I contacted Bank of America on XX/XX/year>, waited more than XXXX minutes to reach a representative who after around another XXXX minutes said she would create a case ( Case # XXXX ). I received a message again to call the bank for more information, which I tried doing, but after waiting around another XXXX minutes on hold, was disconnected.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I was only sent my bank statements and remaining funds around XXXX. But I lost {$150000.00} from unauthorized transactions while I didnt have access to my phone to see the withdrawals. I would like to be reimbursed and someone contacted me on whats app with a picture of my account balance before it was stolen from me. There has been a data breach and also my account was breached and I would like a refund from the fdic.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a money transfer of XXXX XXXX to XXXX using the Remitly application. During the checkout process, the Remitly user interface explicitly and prominently stated that the recipient would receive exactly XXXX XXXX. There was no clear warning or disclosure on the final confirmation screen indicating that third-party receiving fees would be deducted from this guaranteed amount. Upon completion, my recipient only received XXXX XXXX, as the receiving bank deducted a XXXX XXXX fee. I immediately contacted Remitly customer support to address this deceptive user interface and request a courtesy credit for the undisclosed discrepancy. The customer service agent named XXXX refused to assist, blamed the receiving bank, and blatantly ignored multiple direct requests to escalate the chat to a supervisor. Remitly is engaging in deceptive marketing by guaranteeing an exact delivery amount while hiding potential third-party deductions.

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 is not yours
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted Coinbase regarding a {$1000.00} deduction taken from my XXXX withdrawal to my bank ( XXXX ). Coinbase stated this was a bank fee, but they did not provide any documentation to support this claim. I contacted XXXX, and they confirmed that no fee of any kind was charged on this transaction. XXXX also confirmed there was no ACH fee, no return fee, and no adjustment associated with this transfer. I asked Coinbase to provide documentation supporting the claimed fee, including the XXXX trace number, fee code, bank memo, or any evidence that my bank charged a fee. Coinbase did not provide any of this information. Instead, Coinbase closed my support case without resolving the issue and blocked me from replying or reopening the case. When I opened a new case, Coinbase immediately merged it into the closed case and again provided no documentation. As a result, I experienced an unexplained {$1000.00} loss that Coinbase has not justified. I am requesting that Coinbase be required to either provide documentation proving the existence and source of this alleged bank fee or refund the {$1000.00} deducted from my withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
This complaint is submitted as a follow-up to CFPB XXXX # XXXX, which was previously filed regarding unauthorized automated trading activity on my Coinbase account. The prior CFPB case was closed after Coinbase stated that it required additional time to investigate. However, Coinbase has not provided any substantive response to the issues raised in that complaint. After several months, Coinbase sent a response through its customer support channel that characterizes the incident as a scam and discusses irreversible blockchain transfers, external addresses, and voluntary actions. This response is unrelated to the facts of my case and does not address the evidence submitted in the original CFPB complaint. My case involves the following verified facts : XXXX unauthorized automated trades executed within approximately XXXX minutes ( XX/XX/year> ) No external withdrawals, no USD wire-outs, and no blockchain transfers out No login alerts, trade confirmations, or security notifications A subsequent account lock with no notification All activity occurred entirely within Coinbases internal trading system. Importantly, this incident did not involve any blockchain transfers. All transactions occurred within XXXX internal trading infrastructure. Coinbase operates as a centralized custodial platform where user assets are held and trades are executed within its internal ledger system. Coinbase therefore retains full control, visibility, and audit capability over account activity and transaction execution. For additional clarity, there is currently no XXXX or widely adopted on-chain trading system capable of executing thousands of high-frequency trades at this speed for retail, XXXX verified accounts. The scale and rate of activity observed in this XXXX trades within approximately XXXX minutesare only feasible within a centralized trading environment such as XXXX internal platform. Additionally, Coinbase operates a KYC-based custodial system, where account access and trading activity are associated with verified customer identities and maintained within Coinbases internal systems. Coinbase therefore has full auditability of account access, transaction execution, and system activity related to this incident. Despite this, Coinbase has failed to : 1. Provide any forensic evidence ( IP logs, authentication records, API activity ) 2. Address the automated nature of the transactions 3. Explain the absence of all security notifications 4. Explain the silent account lock 5. Provide a timely or substantive response through the CFPB complaint process The response I received from Coinbase appears to be a generic template unrelated to my case and does not constitute a valid investigative or regulatory response. This complaint is therefore not a duplicate of the original filing, but a follow-up regarding Coinbasesfailure to properly investigate and respondafter CFPB XXXX # XXXX.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
the account was open XX/XX/XXXX without my knowledge. once i was aware i notify the company XXXX XXXX Bank immediately of this account being fraudulent and proved them with documents of being the victim of identity fraud. Subject : Dispute - Re-Reporting of Deleted Identity Theft Account I am disputing the XX/XX/XXXXXXXX XXXX. account ending in XXXX that has reappeared on my credit report. This account was previously investigated and DELETED by TransUnion in XX/XX/XXXX after I reported it as identity theft. I have the deletion letter proving this. XXXX XXXX has now re-reported this same account marked as " verified '' in violation of the Fair Credit Reporting Act, 15 U.S.C. XXXX. This is identity theft. I have : - Filed an FTC Identity Theft Report - Filed a police report ( XXXX XXXX Case No. XXXX ) - Obtained fraud confirmations from XXXX other banks- Received a federal student loan discharge for identity theft XXXX XXXX admitted in writing ( XX/XX/XXXX ) that they " don't have a paper copy '' of any contract with my signature. Under FCRA XXXX, once an identity theft item is blocked/deleted, it can not be re-reported without clear and convincing evidence. XXXX XXXX has no such evidence. I demand immediate deletion of this fraudulent account. Attached : - Copy of TransUnion deletion letter ( XX/XX/XXXX ) - Copy of FTC Identity Theft Report - Copy of XXXX XXXX XX/XX/XXXX admission ( no contract letter ) 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 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
In XX/XX/XXXX, I was charged {$200.00} for an unreturned modem for my XXXX XXXX Home Internet service. XXXX confirmed receipt of the equipment and refunded the {$200.00} the following day, XX/XX/XXXX. I have records of both the initial charge and refund ( see attached PDFs ). Despite this refund, the charge was referred to XXXX Collections and appeared on my credit report last month. I initiated a formal dispute with XXXX on XX/XX/XXXX and have called weekly for status updates. Over the course of XXXX days, multiple XXXX XXXX have cited entirely different and fabricated debt categories. These include : ( 1 ) early termination fees impossible both because XXXX XXXX Home Internet is explicitly a no-contract plan, and I had the service for nearly XXXX years which would not fall under any early-termination contract even if it did exist ; ( 2 ) unpaid monthly bills for which I have records confirming the account was fully paid and closed in good standing. ( 3 ) " extra unpaid fees '', which they refused to clarify. XXXX 's own representatives have repeatedly and explicitly confirmed that the ONLY charge ever referred to collections was for the alleged unreturned modem. None of XXXX 's claimed debt categories align with XXXX 's own records. When asked for written documentation substantiating any of these charges, XXXX refused entirely, which is a violation of the FDCPA. Since initiating the dispute on XX/XX/XXXX I have received no updates or replies other than unsubstantiated claims. Moreover, XXXX used these fabricated claims to engage in pressure tactics over the phone, including offering to reduce the collection to {$180.00} if I immediately " took responsibility '' for the charge a debt that does not exist. They claimed this was a " one-time offer '' and I had to " act now '' after listing the unsubstantiated claims from above, a clear pressure tactic. I am requesting XXXX cease all collection activity and remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: Comerica
State: WI

Complaint narrative:
XX/XX/year> I realized something wasnt right with my account. My SS money came to me through direct express and I argued with them for over a week and then later it became obvious that my account had been compromised. I lost over XXXX XXXX

Company response to consumer: Closed with monetary relief