vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I went to open a bank account with citizens bank online and after inputing my information they said I already had a bank account open before in XXXX. That is impossible because I never even had a bank account with citizens bank. They said its odd because the account was only open for about 3 months. So Im worried someone may have used my credentials to open an account or accounts to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
False statement of representation attempt to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing in response to your letter regarding the alleged debt for account number [ XXXX ]. I am formally disputing this debt and request validation of the debt as required by law. Please provide the following information : State Employees credit union XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} Until you provide the requested verification, please cease collection efforts regarding this account. If you can not provide the required validation, I request that you remove this account from any credit reporting agencies and stop contacting me regarding this matter. All future communication regarding this issue should be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: AZ

Complaint narrative:
I paid XXXX cents and that's all I owed. Now they put XXXX more payments saying I still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am filing a complaint against this debt collection agency for refusing to provide debt validation prior to demanding payment. The company stated that they can not send any documentation or proof of the debt unless I pay first. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request. They have continued attempting to collect via text messages while refusing to provide proper verification of the debt. I am requesting that the company : 1. Provide full validation of the alleged debt, including original creditor and documentation 2. Cease all collection activity until validation is provided 3. Remove the account from my credit report if they can not properly validate it This behavior is deceptive and non-compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Bilt Technologies, Inc.
State: MA

Complaint narrative:
To whom it may concern : I have been a member and used Bilt credit card to accumulate points for rent payments. Now I have been for weeks trying to transfer points to XXXX ( one of the transfer partners ) and I can not link my accounts to do so. I reached out via chat. No live support only AI slop with no resolution. Created several tickets and only got generic response and no further traction. Finally was referred to social media on XXXX and XXXX. Only human response so far but no ETA or solution for weeks was from XXXXBilt on XXXX but still no help offered just vague promises. This lack of customer service for credit card company is highly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I created a PayPal account on XX/XX/year>. I do not have any other PayPal accounts. The only activity I attempted was purchasing cryptocurrency and trying to send it. When the transaction would not go through, I contacted PayPal support and was instructed to verify my identity. I successfully completed all requested verification steps, including a face scan, uploading a government-issued photo ID, and submitting my most recent bank statement. I also verified my phone number, email, and address with customer support. After completing verification, I attempted the crypto transaction again but still received the same error. I contacted support a second time and was told my account needed 7 days for review. Because I needed access to my funds, I sold the cryptocurrency I had purchased and attempted to withdraw my balance to my bank account. I then received a message saying I needed to submit additional information to access my funds. I submitted all requested documents, and the system indicated that the review would take up to XXXX business days. However, immediately upon completing the submission, PayPal deactivated my account with no review at all. The instant deactivation strongly suggests an error in PayPals system, as I had fully complied with all verification steps and was told a XXXX review period would occur. Despite fully cooperating and completing all requested verification steps, my account was permanently limited, and my funds {$950.00}, which is my entire paycheckwere placed on a XXXX hold. I have not violated any PayPal policies. The sudden account deactivation and long hold on my funds are causing significant financial hardship. PayPal Reference Case XXXX XXXX XXXXXXXX I am requesting an urgent review of my account and immediate release of my funds, or a clear explanation from PayPal as to why this action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
In XXXX I enrolled at XXXX XXXX XXXX XXXX XXXX in a XXXX XXXX XXXX certification program, taking out federal student loans based on the school 's false promises of job placement and career advancement. The school was later fined {$180.00} XXXX by the XXXXXXXX Department of Education for fraud and illegal recruitment practices, filed XXXX XXXX XXXX in XXXX, and was the subject of a XXXX federal court judgment on behalf of XXXX former students. The original loan of approximately USD XXXX to USD XXXX has now grown to {$22000.00}, nearly XXXX times the original amount. The Department of Education has failed to provide a complete payment history from the original XXXX disbursement despite my request, making it impossible to verify whether the balance has been accurately calculated. A Borrower Defense to Repayment application has been filed based on XXXX documented fraud, Case Number XXXX, but the DOE continues collection activity without processing the claim. A significant portion of collection activity occurred while I was residing outside the United States and I was not properly notified. I am requesting that the CFPB investigate the DOEs handling of this debt, direct the DOE to provide a complete payment history, and halt collection activity pending resolution of the Borrower Defense application.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My son signed up for a free trial at XXXX but the company actually charged our some for the full year {$230.00} ( on XX/XX/XXXX ) within the 7 day trial. This companys deceptive pricing and mice-type terms and conditions are severely deceptive and we have disputed this {$230.00} charge on our Amex 3 times but each time AMEX tells us that the dispute is in process but then ends up charging us yet again for this service that we NEVER received. My son canceled the fraudulent service the same day - XX/XX/XXXX We / my son has a confirmation that the service was canceled that same day XX/XX/XXXX ). The QR code that my son obtained never worked. Unfortunately, this company is deceptive practices of not refunding money even though he was fraudulently charged for the full year is unbelievable. Its illegal to charge for services that we as Americans dont get the actual service. Amex has violated the Fair Credit Billing Act ( FCBA ) We disputed this {$230.00} charge online via American Express.com and then after we received the dispute rejection letter- we called AMEX customer service to dispute this same charge again. We never received any of the QR code services from this scammy/ shady company We do not know what else to do - American Express is usually really good about having our back on deceptive charges like this, but apparently nope this time. We have been loyal customers of AMEX since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is lawsuiting me on a account that i believe is not mine after i checked account numbers and dates and they froze my bank account without no notification or ever sending me papers or serving me with anything

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Ask the company ( Barclays ) to ship one of my authorized user to an XXXX address ( account ending in XXXX ), went out smoothly with the first agent by providing the XXXX address. Right after we hang up, Barclays locked up my entire account including me and my authorized users ' account and asking to provide : ID, SSN, Proof of Address. I'm able to provide everything for the verification but Barclays are also asking for my authorized user 's social or XXXX. They are XXXX and they do not have any of those documents. An XXXX from IRS usually takes up to a XXXX to be issued, and we are not spending that time for a simple authorized user verify purpose. Additionally, when open the account, Barclays ask for the authorized user 's nationality, and provides a country list for us to choose. That means, Barclays have the knowledge that authorized user may not be an XXXX XXXX, and XXXX not have valid XXXX XXXX. However, this verification is still requiring those documentation, and the agent from the fraud department just keeps repeating " there is nothing else we can do for you at the moment ''. Very unhelpful, does not stand on customer 's side to solve the problem. Very bad. I need Barclays remove all of the restrictions and resume the card to normal use.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
America 's Car Mart has failed to process the cancellation of two optional add-on products ( Service Contract and GAP Insurance ) totaling {$2900.00}, despite receiving timely written notices via Certified Mail. On XX/XX/year>, I financed a vehicle and discovered these add-on products were included in my loan without proper notice that they were optional. XX/XX/year>, within the 30-day " full refund '' window ( XXXX XXXX XXXX ), I sent a cancellation request for the service contract via Certified Mail XXXX XX/XX/year>, The dealership signed for the certified mail. No adjustment was made to my account. XX/XX/year>, I sent an UPDATED COMBINED CANCELLATION AND DEMAND LETTER to both the local dealership where I purchased the vehicle and to the corporate office again via certified mail, demanding the cancellation of both the service contract and gap insurance. On XX/XX/year> i emailed the corporate office, the XXXX Attorney General 's office, and the XXXX Motor Vehicle Department. Both XXXX XXXX to the email to both alert them to my demand, and to provide transparency in this matter. On XX/XX/year>, I received a call from XXXX, who is the Senior Office Manager, regarding this matter. This call came after I had been calling numerous times to speak with management to have this matter rectified immediately. I immediately provided her with the requested odometer photo. She also asked me to sign and return a separate service contract cancellation document that reflected the sale date and the sign date, which was not the original date I first cancelled the contract. This document she sent had the date of XX/XX/year>, on it. As of today, XX/XX/year>, my online payment portal still reflects the original finance amount, which still includes both add-on products. Each day that passes, I am responsible for paying interest on two contracts that I cancelled. Despite my compliance with their cancellation guidelines, this is causing direct financial injury in three ways : 1. ) Accruing Interest charged daily on nearly {$3000.00} of products I cancelled months ago. 2. ) Inflated Sales Tax, which is due to be paid on XX/XX/year>, because the dealer has not adjusted the purchase price, I am being forced to pay tax on a balance that should not exist. XXXX. ) Lack of servicing. The corporate office has not resolved the matter, and local management has not responded to my repeated calls and messages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio accosiates is lawsuiting me on a account that i believe is not mine after i checked account numbers and dates and they froze my bank account without no notification or ever sending me papers or serving me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I sent a {$10.00} transaction on my account. I didn't realize till days later that it actually took the {$10.00} twice from my account equaling {$20.00} total. I did not authorize that. I authorized the {$10.00} and only {$10.00}. I contact about it and they started a dispute and sent me {$10.00} pay back for the {$10.00} that was taken and then sent me a email saying they denied my claim and over drafted my account by taking the {$10.00} back again. I want my money, yeah maybe only {$10.00}, but it still was unauthorized, i was unaware it happened and had I known I still would not have authorized it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/year>, I paid off what I believed was the full balance on my Capital One QuicksilverOne credit card account ending in XXXX. After paying the account off, I later discovered that Capital One added interest charge of {$4.00} to the account, even though I had already paid the balance in full. When I contacted Capital One to dispute this charge, I was told they could not remove it because the account had been incurring daily interest charges. I was further told that Capital One does not know when a consumer is going to pay off their balance and as such, when paying off the account, I was supposedly required to call Capital One to obtain a separate " full payoff amount, '' and that additional interest may continue to be added even after the visible balance was paid. I believe this is unfair and misleading. As a consumer, when I log into my account or review my balance, I should be able to rely on the amount shown as the amount necessary to satisfy the debt. Requiring consumers to separately call for a hidden payoff amount, while continuing to assess interest after the balance is paid, is not transparent and appears deceptive. My statement dated XX/XX/year> shows : * previous balance {$260.00} * payment - {$260.00} * interest charge {$4.00} * new balance {$4.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XXXX XXXX, they called me at XXXX XXXX. Beforehand they've just been calling relentlessly every day from different numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Ive opened several cases about this issue, but Aidvantage keeps giving the same response that its been resolved, which is clearly untrue since my student loan balance hasnt decreased at all since the start of the loan. XXXX couldnt provide any details on how my loan ended up with them after XXXX XXXX servicing closed. Ive also paid more to XXXX XXXX than to any other servicer so far. I want my student to show as paid in full and I should be compensated for the lawyer fees and the wasted time since XXXX trying to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank client for several years, currently have a Citi credit card. When I try to open Citibank checking account, I have been denied several times. Calling Citi customer service is of no use. They just keep saying wait for the letter, contact experian, XXXX, contacted both companies, they say Citi bank is not even enquiring with them so there is no question of any negative remark from their side. In the mean time, I have been able to open checking and credit card accounts with other banks. I'm really frustrated that Citi does not have a good reason to decline a checking account yet, due to some glitch within their system, that is unfairly causing this issue and no one knows how to fix it. I am fully verified with Citi. My spouse is able to open an account with City from the same home address.

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 2026-03-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Company file XXXX XXXX, and I have a problem to sell my house, and my contract says : they can transfer loans to the next buyer. And they dont want to approve, because the way they do business, there was a fraud.

Company response to consumer: Closed with explanation