vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Identity Theft Case ( FTC Report # XXXX ) I am reporting Citibank ( Account ending in XXXX ) for a failed fraud investigation. XXXX Account Takeover : Although I opened this account and used it in the past, it had been dormant for a long period after I paid off the balance. This was a clear " Account Takeover '' fraud. XXXX Negligent Monitoring : Despite the account being inactive for a long time, Citibank failed to flag the sudden, high-volume transactions that began in the XXXX and XXXX moved to XXXX, XXXX. This was completely inconsistent with my historical spending patterns. XXXX Regulatory Violation : Upon my report, Citi attempted an unauthorized {$8000.00} withdrawal from my external XXXX account without my consent. 4 Bad Faith Re-reporting : After credit bureaus investigated and removed this record in XX/XX/year>, Citi maliciously re-reported the {$14000.00} debt on XX/XX/year>, crashing my score from XXXX to XXXX. I am attached the XX/XX/XXXX letter from Citi where they ignore these facts. Their investigation is fundamentally flawed.

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: 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up to a previously closed CFPB complaint regarding the same transaction. Capital Ones prior response relied on a XX/XX/year> dispute decision and failed to address new and material evidence that became available after that date. On XX/XX/year>, the merchant ( Guerlain ) confirmed : * The XXXX damage claim was approved * The chargeback was accepted * No further action is required from the merchant * The refund is to be issued by the card issuer This information was not available during the original dispute review and directly establishes merchant acceptance of liability. Capital One did not address or investigate this new evidence and instead relied solely on their prior decision. This is not a new dispute. This is a failure to properly reinvestigate a valid claim with updated documentation. I am requesting that Capital One : * Reopen the dispute * Review the new merchant confirmation * Issue the appropriate credit of {$690.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing a formal complaint regarding an unauthorized electronic funds transfer and improper withdrawal handling from my bank account. An unauthorized transaction for {$830.00} was initiated by XXXX XXXX XXXX through my account at PNC Bank that exceeded the amount I authorized. I did not approve the full amount that was withdrawn, and no valid authorization exists for the excess funds taken. I contacted my financial institution to dispute the transaction as an unauthorized ACH debit under Regulation XXXX, and requested the following actions be taken : XXXX. ) Open a formal dispute for this transaction XXXX. ) Issue a provisional credit to my account while the investigation is ongoing XXXX. ) Place a stop payment or ACH block on any future withdrawals from this company I also requested that PNC provide me with the following : XXXX. ) The case or claim number XXXX. ) The timeline for resolution XXXX. ) Written confirmation of this dispute This is an unauthorized XXXX debit, and I want to ensure my rights are fully protected. Despite reporting this issue, I have not received adequate resolution or confirmation that my rights under federal electronic funds transfer protections are being fully honored. I recently returned to work on XX/XX/year> after approximately 15 months of financial hardship. My most recent paycheck only covers XXXX week of pay, and I will not receive another paycheck for 14 days. The disputed overdraft and unauthorized withdrawal will effectively consume my entire paycheck, leaving me without funds for basic necessities. I am a Type XXXX diabetic and rely on these funds for groceries, transportation, and essential medical-related living expenses. This situation is creating immediate financial instability and significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: OH

Complaint narrative:
My cashapp account was closed completely unable to use and was told that they could not tell me when account was closed ; then stated its because I have two different accounts which I have never had. Second Ive made a payment on XX/XX/year> of {$1500.00} to XXXX XXXX a mortgage company. The mortgage company advised transaction was rejected cashapp states payment was debited successfully. I have documentation from mortgage company that funds were never received. Cash app closed my dispute in 2 days and no resolution has been made. I am already in a financial bind and this has just set me back tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I have contacted XXXX multiple times to dispute a collection account reported by a landlord that does not belong to me under the credit company name IQ DATA INTERNATIONAL INC. I have submitted approximately XXXX disputes requesting proper verification and proof that this debt is mine, yet no such documentation has been provided. Despite this, the account continues to be marked as accurate without any supporting evidence. I also sent them a copy of my bank statement and ID stating my address was not in XXXX XXXX the year of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted TransUnion multiple times to dispute a collection account reported by a landlord that does not belong to me under the credit company name XXXX XXXX XXXX XXXX. I have submitted approximately XXXX disputes requesting proper verification and proof that this debt is mine, yet no such documentation has been provided. Despite this, the account continues to be marked as accurate without any supporting evidence. I also sent them a copy of my bank statement and ID stating my address was not in XXXX XXXX the year of 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: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/year> an XXXX transaction in the amount of {$17000.00} was initiated to an unauthorized fraudulent account in the name of XXXX XXXX XXXX with the confirmation number XXXX. Within XXXX hours of this transaction taking place and respectively an hour after discovery the bank was immediately notified of the incident and a fraud claim was submitted by a representative by the name of XXXX with a case number of XXXX. Bank Of America froze all assets, debits, checks and things of that nature belonging to that account during the investigation. During the investigation the bank made it extremely difficult to run daily operations for a small business which they covet and allegedly support so much. Checks bounced, cards were declined at POS terminals and phone calls for any explanations and or help ( which were recorded ) lasted over XXXX hours to no avail, at XXXX point I was even hung up on. With XXXX response back from the bank for XXXX days the claim was finally closed out with a denial letter stating that the claim was denied because the transaction is question was completed using a device that is consistent with previous valid account activity. Bank Of America claims to be there for their customers, claims to support small business, claims to always be there by their side but when it really boils down to it the only thing they care about is their bottom line and their shareholders. For a small business a roughly XXXX loss can be devastating, with no support, empathy or regard for their client ( XXXX ) I have no choice but to peruse all avenues to recoup the losses which the bank rightfully owes my business. Additionally, the bank had prior knowledge and red flags in regards to the transaction, specifically the business names did not match the bank account owner or even company name. The compromised venders business name which the " authorized '' funds should have been transferred to is called XXXX XXXX XXXX XXXX XXXX XXXX to a local credit union, the business addresses, bank accounts numbers and names clearly didn't match. Bank Of America had a duty to act to protect their customer which they clearly failed, that would be considered Gross Negligence on their behalf and punishable by law. I am hereby requesting that the CFPB launch an investigation into Bank Of Americas gross negligence and that they immediately return the funds in full, their bogus reasoning ( s ) dont hold up and is just a lousy attempt at wiggling their way out of their responsibility.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> around XXXX a card ending XXXX was trying to link to my Cash App account I deleted it and I contacted Cash App by XXXX XXXX was taken out of the account by XXXX they took the XXXX from the saving on Cash App I got the email when XXXX different cards linked to my account

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am reporting a fraud incident that occurred on Wednesday, XX/XX/XXXX at approximately XXXXXXXX XXXX. I received a phone call from the number XXXX from an individual who claimed to be a representative of Wells Fargo. The caller stated they were contacting me to verify suspicious transactions made in Florida on my account. The individual was able to provide details of multiple charges, which led me to believe the call was legitimate. I would also like to note that the call dropped, when I called back, " the same opening verbage was used when I called the Wels Fargo number on the back of my card. I was told that my account was at risk and that immediate action was required to protect my funds. Following their instructions, I was directed to transfer money out of my account. Believing I was replacing my funds into a different temp account, I completed the transfer to XXXXXXXX XXXX After the call ended, I realized that I had been the victim of a scam. As a result of this fraudulent activity, I lost approximately {$2700.00}. I did not authorize this transfer under normal circumstances and was misled by someone impersonating a Wells Fargo representative.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have repeatedly asked questions and wanted to provide corrections about my student loans. MOHELA has repeatedly refused to put anything in writing. Given my XXXXXXXX XXXX and auditory processing delays, they are required to make the accommodation by the Americans with Disabilities Act ( 42 USC 12101 et seq ). I believe the dates and the amounts are wrong, as I have gone to multiple schools and programs. I believe MOHELA is being inaccurate in when I owe something and what is owed based on the incorrect date. But as stated, MOHELA is refusing to contact me about this. MOHELA has a history of compliance issues. They have been found by both the Department of Education, XXXX, and other regulatory agencies to be acting in bad faith and refusing to complete with numerous laws across many categories -- correct calculation of balances, intentionally understaffing calls, and in my case, intentionally refusing to put anything in writing for the hopes of preventing evidence. The expectation is MOHELA comply with all regulations and laws. The expectation is that MOHELA correct these issues and contact me via email immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Complaint : I am filing a complaint regarding a suspected misapplication of a large payment and resulting balance discrepancies across my federal student loans serviced by MOHELA. In XX/XX/XXXX, I made a payment of {$30000.00} using MOHELAs auto allocate feature, which is intended to distribute funds across multiple loans ( I have XXXX loans ) with priority toward higher interest rates. Following this payment : * My total outstanding balance decreased by only approximately {$20000.00} ( from {$66000.00} on XX/XX/XXXX to {$46000.00} on XX/XX/XXXX ), rather than the full payment amount. * The balances of individual loans changed inconsistently and in ways that do not reconcile mathematically with the payment made. * XXXX loans reflected negative balances after the payment was applied. * Several other loans showed balance increases much larger than what could be accounted for by accruing interest. To date, MOHELA has not provided a clear explanation or reconciliation of how this payment was applied across my loans and why the total balance and individual loan balances changed in this way. Since XX/XX/XXXX, I have contacted MOHELA numerous times ( XXXX hours spent on hold and on calls ). Each time, a supervisor has looked into my account history and has not been able to understand why the loan balances changed in the way they did after my last payment. Each time, I have been told by a supervisor that the issue is being escalated and that the accounting department has been notified, but no resolution, audit, or written explanation has been provided. I have been asking for a complete transaction report by loan since XX/XX/XXXX, but have yet to receive this or any documentation that includes enough information to piece this together. I also filed a complaint with XXXX XXXX XXXX several weeks ago, which remains under review with no resolution so far. Impact : * I am currently unable to safely pay off my loans due to concern that the current loan balances on my MOHELA account are incorrect and that additional payments XXXX be misapplied. * Interest continues to accrue ( approximately {$7.00} per day ), causing ongoing financial harm. * The lack of transparency and resolution has caused significant time burden and financial uncertainty.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a deposit of {$12000.00} using my own check from the XXXX XXXX. And it was cleared the next day. {$12000.00} was withdrawn from my XXXX XXXX and the balance went up by {$12000.00} from Bank of America checking account. However, when I checked the balance on XXXX, the {$12000.00} shows debit/hold. And my balance was decreased by {$12000.00}. So I immediately called the BofA customer service twice The first time I wasnt given an answer clearly. Second time I called the lady said she wasnt 100 % sure why but after researching it she said they will send the money back to the XXXX, but the reason was not given clearly. This is very inconvenient for me because I needed to pay my taxes due by on XX/XX/XXXX. As of now, {$12.00} XXXX is up in the air. Its not in the BofA or XXXX XXXX checking account. Its very frustrating and scare and anxious. Im gon na lose the {$12.00} 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute for an item not received. The item was ordered on XX/XX/year>, and the expected delivery date was XX/XX/year>. The item has never been delivered, and the seller has not responded to any communication. I opened and escalated a dispute through PayPal. Despite this, PayPal has repeatedly delayed resolution of the case, extending the decision date multiple times ( XX/XX/XXXX ( Verbally from PayPal rep ) and then when that passed the PayPal App showed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, before I called to ask for it to be reviewed sooner and was told it would be resolved XX/XX/XXXX, and they have now failed to resolve the case even after those deadlines passed. There is no delivery confirmation and no seller response, yet PayPal continues to delay issuing a refund without providing a clear justification. Please note that I initially reported this transaction on the XXXX of XXXX before waiting until the XXXX of XXXX to escalate it. It has been well beyond the estimated five day review period. Feel free to request any additional information from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
For several years, my checking account was charged multiple times per month ( approximately {$8.00} each time ) for subscriptions labeled as XXXX XXXX XXXX XXXX. These charges were not authorized by me. During this period, I contacted Bank of America multiple times to report these unauthorized transactions and request that they be stopped. Despite my repeated complaints, the bank failed to block or resolve the issue, and the charges continued for years. Approximately two months ago, I filed another dispute with Bank of America. The bank issued a temporary credit of about {$900.00}, which appeared to be reimbursement for these unauthorized charges. However, shortly after, the bank reversed this credit, claiming they were unable to recover the funds from XXXX. As a result, my account is now negative by approximately {$600.00}. I do not agree with this outcome. The charges were unauthorized, and the bank had prior notice over multiple years but failed to act. I should not be held responsible for these transactions or for the negative balance caused by the reversal of the credit. This situation has caused me financial hardship, and I am requesting a fair resolution.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
No explanation was given as to why my Cash App account had been suspended.

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: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
prior to XXXX months ago, my credit card company sent an e-mail cc statement and the hard copy followed 10-15 days later with a drop dead payment date XXXX days later. they arbitralialy stopped sending the e-mail statement, which shortens the time i need to prepare to pay my bill on time. this seems to be in violation of the 21 day rule. my credit card company is CitiCards

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: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOHELA
State: IL

Complaint narrative:
The Missouri Higher Education Loan account was opened on XX/XX/XXXX, with balances reported around {$3700.00} and {$2100.00} as of XX/XX/XXXX. The account reflects a positive payment history from XXXX through XXXX, with the last recorded payment made on XX/XX/XXXX. Beginning in XX/XX/XXXX, the account was reported as 90 to 180+ days past due, with past-due amounts increasing to over {$400.00}. However, by XX/XX/XXXX, the account was suddenly updated to current with {$0.00} past due, despite no recorded payments during that time. This creates clear inaccuracies, including- Reporting severe delinquency followed by a current status without any supporting payment history. Missing or incomplete payment records after XX/XX/XXXX Possible misreporting during periods that appear to include deferment or non-payment status Overall, the account history is inconsistent and does not accurately reflect the true payment activity or status of the account.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A discover credit card was opened by my ex step mother without my consent.

Company response to consumer: Closed with explanation