vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On Friday of last week I was not able to access my funds at the atm machine. After disputing a charge that I did not authorize. Then they made me close all of my old accounts and reopen a new one. I opened a new account, they sent me a debit card and I was using it earlier today XX/XX/09 but I tried to use my account for {$3.00} and the transaction declined. When I called the bank they told me my account was " under review and debit card was restricted ''. That i was be contacted in XXXX hours. That doesnt work for me, I need to use my 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
As previously described, my old address is still listed in their communications, and my attempts to change it and get help doing so, after trying unsuccessfully on my account, have also been unsuccessful. Today, again, no help was received from Customer Support. I then attempted to lodge a complaint against Customer Support, but it was impossible to do so as that information is not available on their website or from Customer Support. I believe the latter is illegal! Please help! XXXX. When I tried to cancel my account, this option was also not available to me. Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NAVY FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I have been saving points for over a year and a half over XXXX points. Their program discounted how many points after XXXX. I was almost to my {$1000.00} XXXX cashout and they changed it XX/XX/XXXX so now I get XXXX per point with out notification. They will give me {$870.00} for the {$1000.00} I would get in XXXX month. This deal has been on going for over 4 years I have cashed out in the past, and was never notified. Since I turned XXXX this is the second issue I have had.

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 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had open a credit card with Home Depot. I was making payments, but unfortunately it shows as late payment on my report which is I never done late payments in my life and Im trying to remove it from my credit report

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 2026-06-10 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: UPGRADE, INC.
State: VA

Complaint narrative:
I Made a purchase at XXXX in XX/XX/XXXX of {$520.00} i returned the product on XX/XX/XXXX the refund has yet to be credited to my Upgrade credit card account. XXXX provided a XXXX XXXX of XXXX Upgrade is refusing to look up the trace number or credit my account, falsely claiming a XXXX dispute window from the original XX/XX/XXXX purchase date I am not disputing the XXXX purchase I am tracking a missing credit from XX/XX/XXXX. UPGRADE is failing to properly process a active XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC
State: MO

Complaint narrative:
I am filing a complaint against Cedars Business Services , LLC for flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, specifically regarding illegal continued collection activity and communicating via inconvenient means after a formal dispute. On XX/XX/year>, I sent a formal written text dispute to this collector explicitly stating that I dispute the debt, that services were never rendered, and demanding full debt validation ( including an itemized billing statement and the original signed contract ) via U.S. Mail. I also explicitly designated phone calls, text messages, and electronic communications as inconvenient. Under federal law, the collector was required to freeze all collection efforts until they mailed proper validation, and immediately cease using communication channels designated as inconvenient. Instead, the collector has completely ignored my dispute and failed to provide the requested validation paperwork. They have actively violated the collection freeze by mailing me a standard dunning/demand letter dated XX/XX/year>, which demands a total due of {$530.00} and instructs me to use an online portal. Furthermore, they have directly violated my communication boundaries by continuing to place phone calls, send text messages, and send collection emails to my personal accounts after being told these methods are inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
The car start giving engine issues causing my first missed payment. Shortly after the company I work for got extremely slow with work. I gave the car back in good faith so it wouldnt hiender me any further. They sold the car for roughly XXXX or XXXX. Then we see it on my credit for {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I attempted to open a checking account with Chase Bank, but my application could not be completed because the system would not allow me to proceed. I was not provided with a clear explanation for why I was unable to open the account. I am requesting a written explanation of the reason for the restriction or denial. If additional identity verification is required, or if I need to visit a branch to complete the process, I ask that Chase clearly communicate those requirements and provide me with the opportunity to complete them. If the application was declined for another reason, I request that Chase disclose that reason and correct any inaccurate information that may have affected my application so that I can successfully open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am filing a formal complaint against Hunter Warfield , Inc. for willful, repeated violations of the FDCPA [ 15 U.S.C. 1692g ( b ) and 1692e ] and CFPB Regulation F. Hunter Warfield sent collection emails to my inactive email account on XX/XX/XXXX and XX/XX/XXXX containing the false assertion : Our records indicate that we have your permission to communicate with you via email. Upon discovering these, I mailed a comprehensive formal dispute and cease-and-desist letter on XX/XX/XXXX, explicitly revoking any perceived email consent, stating the claim was false, and demanding debt validation. This debt is still on my credit report with XXXX XXXX XXXX as they made no attempts to honor my detailed concise request for specific documentation verifying this alleged debt belongs to me. XXXX XXXX XXXX XXXX confirms Hunter Warfield received this certified letter on XX/XX/XXXX. In direct violation of federal law, Hunter Warfield completely ignored my cease-and-desist and failed to validate the debt. Instead, XXXX days later, on XX/XX/XXXX, they illegally continued collection activity by sending a third collection email regarding Account XXXX. XXXX, repeating the exact same known falsehood regarding email permission. This represents a willful, knowing pattern of consumer deception and unlawful contact. I demand an immediate investigation and the complete removal of this unverified account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: MS

Complaint narrative:
My name is XXXX XXXX and XXXX XX/XX/XXXX, a federal FEMA disaster payment sent to me via XXXX was canceled due to multiple digital payout attempts. On XX/XX/XXXX, a U.S. Treasury representative reviewed the federal transaction logs and confirmed that the funds are actively sitting in a XXXX XXXX suspense account. However, XXXX XXXX XXXX customer service lines refuse to assist me, claim they have no record of the funds, and refuse to release the money back to the U.S. Treasury. This is a vital federal disaster assistance payment. I am requesting that Flagstar Bank immediately locate this transaction, release the security hold, and issue an immediate Return-to-Originator ( XXXX ) to the U.S. Treasury so my funds can be reissued. Ive email the XXXX multiple times & lets just say I only received XXXX email back.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Imposters pretending to be original debt company. Have been accessing my credit report unauthorized! CCPA violation I do not know who they are! Security Credit Services!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint because a Discover credit card account that I reported as fraudulent and the result of identity theft continues to appear on my credit report. The account was reportedly opened in XX/XX/XXXX and later closed in XX/XX/XXXX with a balance of approximately {$5700.00}. I did not open or authorize this account and have consistently maintained that it was created through identity theft. I disputed the account with the credit reporting agencies and provided information supporting my claim that the account was fraudulent. After my disputes, the account was removed, but I later received notice that it had been reinserted onto my credit report. I have made repeated efforts to have this inaccurate information permanently removed. I have contacted the credit bureaus and challenged the account, but the issue remains unresolved. The continued reporting of this account has negatively affected my credit history and creditworthiness. I am requesting that the company conduct a thorough investigation, provide any documentation showing that I authorized or opened the account, and remove the account from my credit report if it can not verify that the debt is legitimately mine. I am also requesting that all applicable consumer protection laws regarding the investigation and reporting of disputed information be followed. This is not my account. The person who fraudulently open my account is XXXX XXXX XXXX who is in jail right now for welfare fraud as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I charged an initial deposit of {$600.00} on XX/XX/XXXX to the Chase Sapphire Reserve card towards a trip / tour being conducted by XXXX XXXX to XXXX. Before paying the final balance of the trip on XX/XX/XXXX, I consulted the " Guide to Benefits '' booklet which had been mailed to me before renewing the card, as well as consulted a phone representative. Both clearly stated that full trip cancellation coverage is provided if " all or a portion of a trip '' is charged " to his or her Credit Card Account ''. I therefore paid the balance of {$5300.00} by e-check from my Chase checking account to avoid the 3 % credit card surcharge imposed on XXXX XXXX and passed onto me. I cancelled the trip one day before it started when I contracted XXXX. The claim has only paid {$600.00} charged to the card and has denied the {$5300.00} plus {$190.00} lost on cancelling the car service to the airport. They cite a new rule which was never provided to me as stated above, that coverage is limited to the actual amount charged to the covered card. However, the benefit rules they quote also still state that coverage is provided when all or a portion of the cost of the trip is charged to the card. This usurps and contradicts the previously quoted new rule. I have escalated this complaint through the XXXX XXXXXXXX XXXX ( underwriter ) and the Chase Escalation Line and my local Chase banker. The results of only receiving {$600.00} as the claim remains their decision. I adhered to the rules of benefits given to me as a loyal and frequent user of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I attempted to open a checking account online, but my application could not be completed because the system would not allow me to proceed. I was not provided with a clear explanation for why the account could not be opened. I am requesting an explanation for the denial or restriction. If additional identity verification is required, or if I need to visit a branch to complete the process, I would appreciate being informed of the specific reason and the steps necessary to resolve the issue. I simply want to understand why I am unable to open the account and what is needed to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
The bank involved was Truist. Over a year ago, someone took over my bank account without my permission. Truist closed the account because of the fraudulent activity. At the time this happened, I was experiencing homelessness and was unable to investigate or respond to what occurred. I did not authorize any transactions, withdrawals, deposits, or changes made during the account takeover. This situation has now caused negative reporting and has affected my ability to open new bank accounts. I have filed an FTC Identity Theft Report to document the fraud. I am also requesting the return of any legitimate funds that were in my account at the time it was closed. Those funds belonged to me, not the person who took over my account. I am asking for Truist and any consumer reporting agencies involved to remove or correct all fraudulent information connected to this incident.

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have never authorized these accounts nor have I ever signed for these accounts or have I benefited from these accounts or entered into any agreement regarding these accounts to reporting of this account is inaccurate and is causing significant harm to my credit profile pursuing to the fair credible reporting act FCRA section 605B 15 USC 160 8 1C two I request the immediate blocking and removal of this fraudulent account accounts from my Credit Report maintained by XXXX XXXX and XXXX XXXX. I am providing the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
Bounce AI is impersonating as original Creditor and posting derogatory information on my credits report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I sent a dispute to all 3 bureaus XX/XX/year>. Nothing was resolved.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: LA

Complaint narrative:
I have been banned from sending money internationally and I dont know why. I have been banned across multiple platforms, Remitly, wise XXXX, XXXX and I dont know why or how to fix it. When I contacted Remitly, they told me I was permanently suspended. And could not tell me why only that a board had ruled on my suspension. I would like to know why I was suspended and what I could do to fix the problem. I feel like Remitly owes me answers and they are not giving them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing to explain the circumstances surrounding my identity theft case. While dining at XXXX in XXXX, New Jersey, I lost possession of my wallet. The wallet contained my identification, debit card, and other personal information. After discovering that my wallet was missing, I learned that unauthorized activity had occurred using my personal information. As a result of this incident, I filed an official police report with the XXXX Police Department. The police report documents the theft of my wallet and the subsequent unauthorized use of my personal information. I have provided a copy of the police report as supporting evidence. In addition to the official police report, I have included a published summary report that outlines the events and supporting information related to this case. The official police report remains the primary source of evidence regarding this incident. I respectfully request that all fraudulent activity resulting from the theft of my wallet and personal information be investigated and removed from my records. I was the victim of identity theft and did not authorize any transactions, accounts, inquiries, or other activities conducted by the individual who obtained my personal information. Thank you for your time and consideration. Please let me know if any additional information or documentation is required. Account in at XXXX. 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