vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am disputing inaccurate and unverifiable information being reported by this company on my credit report. 

This account is reporting without proper verification. The company has not provided proof of ownership of the debt, an original signed agreement, complete payment history, or proof of authorization to report to the credit bureaus. 

Despite this, the account continues to be reported, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I am requesting immediate deletion of this account from all credit bureaus, or proper verification as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When attempting to log into my Citi credit card account, the system indicated that a one-time passcode would be sent to a phone number I do not recognize ( XXXX ). Citi customer service stated they could not identify when or how this number was added and could not provide account change history. This raises concerns about unauthorized access and improper handling of my personal information. While Citi said they would update my phone number ( it is still not updated ), they could not explain how the unknown number was associated with my account or confirm whether my account had been compromised. I am requesting a formal review of my account security, profile change history, and safeguards to prevent unauthorized changes 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MO

Complaint narrative:
This complaint concerns a false and misleading final response submitted by PNC Bank in a prior CFPB complaint ( Case # XXXX ), which resulted in the closure of that case without resolution. 

After I reported the fraud and scam on XX/XX/year>, PNC Banks fraud department instructed me to visit a branch and close my account. A PNC banker closed the account and destroyed my debit card. From that point forward, I had no access to the account and no ability to authorize transactions, manage disputes, or protect deposits. 

Scammers had accessed my account and filed disputes on prior legitimate transactions, resulting in provisional credits. I did not understand what provisional credits were and believed funds appearing in my account were loan proceeds uploaded by scammers. I never requested the cancellation of disputes. 

Despite directing account closure and terminating my access, PNC Bank continued to take unilateral actions on the account, including reversing credits, creating a negative balance, and positioning the account to receive my XXXX XXXX XXXXXXXX ( XXXX ) benefits. 

On or about XX/XX/year>, PNC Bank emailed me stating that the closed account reflected a negative balance of approximately {$990.00}, XXXX day before my scheduled XXXX deposit. PNC Bank took no action to prevent or redirect the deposit and subsequently applied my federally protected benefits to the negative balance. 

PNC Banks prior CFPB response falsely asserts that I requested cancellation of disputes and authorized transactions, and mischaracterizes the application of XXXX as an authorized overdraft. These assertions are inconsistent with the banks prior instruction to close the account and my lack of access at all relevant times. 

I am submitting this complaint to document false resolution, misrepresentation of facts to a federal regulator, and continued harm involving protected benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am disputing an ATM cash withdrawal in which no cash was received. I reported the error to Chime within the required timeframe and provided a police report. Despite this, Chime denied my dispute without providing evidence of an ATM cash audit or a reasonable investigation. This appears to be a violation of Regulation E. I am requesting reimbursement of the disputed amount and confirmation that a proper investigation, including an ATM terminal audit, has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I called the company on XXXX and asked for a debt validation letter as I never received one, I also asked for the account number. They did not provide me with either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I paid a {$250.00} deposit to PennyMac to begin a refinance application after being quoted approximately {$2200.00} in total out-of-pocket costs.

When I received the official loan disclosures, the actual terms were materially different. The disclosures showed over {$3600.00} n out-of-pocket costs and approximately {$6000.00} in fees being rolled into the loan, resulting in a significant loss of equity. 

Because these terms were drastically different from what was represented to me, I immediately cancelled the application. I cancelled within XXXX hours. 

I spoke by phone with a PennyMac agent who confirmed that because the cancellation occurred within XXXX hours, my {$250.00} deposit would be refunded, minus a {$17.00} credit check fee. 

Despite this confirmation, the refund was never issued. I followed up professionally multiple times over several weeks and was promised the refund would be processed by a manager. The PennyMac agent has now stopped responding entirely.

I am requesting assistance because the deposit was paid based on materially misleading cost representations, the application was cancelled immediately once accurate disclosures were received, and the promised refund has not been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
Date : XX/XX/year> Via Certified Mail and/or Electronic Submission Source Receivables Management XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : Cease and Desist FDCPA Communication Demand Dear Source Receivables Management, This letter constitutes a formal cease and desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

You are hereby directed to immediately cease all communication with me regarding any alleged debt or account you claim is associated with my name. This includes, but is not limited to, phone calls, voicemails, emails, mailed correspondence, and contact with any third parties.

You may only contact me in writing to confirm one of the following : 1. That you will comply with this request, or 2. That you intend to pursue a specific legal remedy as permitted by law.

Any communication beyond what is allowed under the FDCPA will be documented and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and applicable state regulatory agencies, as well as any other legal remedies available. 

This notice is sent in good faith with the expectation of immediate compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I mailed a check at my local post office to the United States Treasury on XX/XX/XXXX for my tax liability for XXXX. The check amount was {$120000.00}, XXXX months later I discovered that the check was stolen, washed and cashed. The name XXXX XXXX XXXX was written on the payee line, which was previously 'United XXXX Treasury ' . I immediately informed my bank, US Bank of the fraud. On XX/XX/XXXX US Bank sent me a letter denying my claim. I sent a letter disputing there denial letter on XX/XX/XXXX. As of yet, I have not received a letter from US Bank regarding my claim..

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
XXXX XXXX XXXX owed {$180.00} Out standing balance of {$1000.00} was paid and customer service was contacted. I was told by a manager in charge I know longer had any debt and the account was supposed to be closed and removed. 
I have also filed with CFPB in the past this debt and account legally is was supposed to be removed from my credit report as it violates the fair credit laws and my rights to fair credit.

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
In XXXX of XXXX, I was reviewing my credit reports and saw an auto loan with XXXX XXXX XXXX for {$40000.00}. The account is listed with someone named XXXX XXXX XXXX on my XXXX report. I do not know this woman. The address it occurred at is XXXX XXXX XXXX. XXXX, TX XXXX. The phone number to the company is ( XXXX ) XXXX. This loan is on all three of my credit reports and making my score drop. I have never authorized anyone to use my personal information to open anything in my name. I have also never signed or applied for anything. I XXXX XXXX a XXXX XXXX XXXX Sportscar that I purchased in XXXX at XXXX and paid fully off in XXXX. I have no need for a new auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
it started on XX/XX/2025 where our card sent to me by Citibank was never delivered, but used at several places without our knowledge and consent. 

Citibank then sent another replacement card, and we never received it again. the replacement card was used at several places without our knowledge and consent. 

Citibank was advised not to send the replacement card via XXXX or XXXX trackable to ensure we receive the card and to further prevent it from going into the wrong hands. Citbank said yes, but instead sent us a replacement card using USPS, yet again and the card once again, like before was used at several places without our knowledge and consent. 

A police report ( CASE NUMBER XXXX XXXX ) was filed on the matter on XX/XX/2025 under the name of XXXX XXXX XXXX, my son who is an authorised user of the card that was used without our knowledge and consent. 

Citibank customer service is lackadaisical, careless and not willing to pay attention to the problem at hand, which is an intercepted mailbox and allowing the fraudulent charges to go through,

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
RE : XXXX I dispute XXXX response and do not accept it as a resolution. 

ARIs response fails to comply with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). XXXX admits that debt validation has merely been requested from a servicer and has not been provided to me. Closing a complaint without furnishing validation is improper and contrary to federal law. 

A narrative description of alleged account history does not constitute validation. XXXX has failed to provide competent documentary evidence, including : A signed contract or application bearing my signature Complete account statements showing how the alleged balance was calculated A bill of sale and chain of title identifying my specific account Proof that XXXX has legal authority to collect and report this debt Additionally, XXXX response contains inconsistent balance figures ( {$31000.00} vs. {$31000.00} ), calling into question the accuracy of the information being reported. XXXX also references my XXXX without providing documentary proof linking it to the alleged account. 

Under the FDCPA, XXXX must cease collection and credit reporting activity until lawful validation is provided. Reporting disputed information while validation is pending constitutes a violation. 

I request that this matter be escalated. XXXX must either : Provide full FDCPA-compliant validation, or Cease collection efforts and delete all related credit reporting. 

I reserve all rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
My identity was stolen and used to open multiple accounts in my name while I was incarcerated. The thief was seen on camera withdrawing money from XXXX XXXX using a license with my information but with his picture on it. He opened a loan with Pen Fed Credit Union for {$10000.00} that I did not approve or have any knowledge of until my release from prison. Ive contacted Pen Fed numerous of times, Ive sent in police reports and other evidence showing I was incarcerated at the time the account was opened. They have denied my request every single time. The other accounts have been proved to of been open by someone else who is a cousin of mines and who had access to my personal information ( social security number and license and birth certificate ). He was arrested and charged.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENTS REPORTED ON MY CREDIT FILE ARE THE RESULT OF BILLING ERRORS AND DO NOT REFLECT MY TRUE PAYMENT HISTORY. REPORTING THESE ERRORS VIOLATES 15 USC 1681E ( B ), WHICH REQUIRES MAXIMUM POSSIBLE ACCURACY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am submitting a complaint regarding Bank of America 's handling of a credit card dispute involving deceptive marketing by a XXXX-party ticket reseller. 

I purchased tickets to the XXXX XXXX believing I was buying directly from the official venue. The website appeared in XXXX search results labeled as " XXXX XXXX XXXX '' and presented itself as an official seller. Only after completing the purchase did I discover the site was a third-party reseller that had dramatically marked up the ticket price. The total charge was {$480.00}. 

I disputed the charge with Bank of America on the basis that I was misled by deceptive representations and believed I was transacting directly with the venue. This was my first charge dispute after many years as a Bank of America customer with substantial spend history. 

Bank of America denied the dispute solely on the grounds that the merchant labeled the purchase as " non-refundable, '' without meaningfully considering the deceptive marketing, false impression of official affiliation, or the fact that many other consumers have reported similar experiences with this merchant. 

I am not disputing that the merchant delivered something ; I am disputing that the transaction was entered into under materially misleading circumstances. I believe Bank of America failed to apply reasonable consumer-protection judgment by relying exclusively on the merchant 's refund policy rather than addressing whether the transaction involved deceptive practices. 

I am requesting that Bank of America reconsider this matter or provide a goodwill credit reflecting the deceptive nature of the transaction and my long-standing customer relationship.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am an XXXX XXXX  XXXX XXXX XXXX My auto loan was originated prior to my military service with an interest rate of 16 %. 

Under the Servicemembers Civil Relief Act ( 50 U.S.C. 3937 ), any obligation incurred before military service must have its interest rate capped at 6 % for the entire period of military service, and any interest charged above 6 % must be forgiven, not deferred. 

Although the lender reduced my interest rate prospectively after my request, they have repeatedly refused to apply the adjustment retroactively and refund or credit the excess interest already charged. The lender claims the SCRA benefit applies only from the date of request, which is incorrect and contrary to federal law. 

The SCRA requires a full retroactive recalculation of the loan, including forgiveness and reimbursement of all interest charged above 6 % during my military service, regardless of the request date.

I am requesting that the lender be required to comply with the SCRA by performing a full retroactive recalculation of my loan and issuing a refund or account credit for all excess interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NY

Complaint narrative:
XX/XX/XXXX I contacted customer service because I had an expired check for a prepaid card I wanted to cash out. Since this was a while back in XXXX they said they couldn't locate it and asked for my social and couldn't locate it in this manner. when before it wasn't necesary and prepaid cards could just require address and name back then. The rude customer service agent said it was my fault for waiting long and the government probably took my money. Banks an money corporations should hold money and accounts in records regardless especially those not fully closed out. I was told by a previous agent as long as the funds weren't cashed the in XX/XX/XXXX that the fund don't expire just the check

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 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
XX/XX/year> Call and Notes ( 3 reps ) First rep misrepresented amount owed until I demanded to speak to a supervisor, which she initially declined to do. Returned to call admitted she misrepresented information ( i.e., requiring two initial payments and rep fee ). 

Spoke with supervisor XXXX to understand when account is refer to repossession, as prev rep said 10 days from due date ( XXXX of every month ) and then said this did not apply to my account - making up an explanation as to why this did not apply to my account as it has in the past ( given XXXX and XXXX was a holiday ). 

XXXX misrepresented information and told me account was assigned on XX/XX/XXXX. This is not correct. Based on my online account it was assigned the same day day of the call/same day I made payment on XXXX at XXXX XXXX. When I requested copy of the repossession data she claimed it's not a legal doc, it did not exist and, could/would not provide it. Again, I request a copy of records detailing each date my account was assigned to repossession. 

As I prev explained on the XXXX call, there was no grace period for the customer for holidays and consumers are further penalized due to the misrepresentations and unfair practices of Citizens. 

This behavior continuous to illustrate the dishonest practices and I will continue to bring attention to this issue. My account will be paid off in the next 6-8 months but I will continue to log complaints until this company addresses their issues.

Company response to consumer: Closed with explanation