vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am seeking assistance regarding an unresolved {$670.00} refund that has been missing for more than a year. The original transaction was made using a XXXX XXXX XXXX XXXX that was issued by Capital XXXX and later transferred to Comenity Capital Bank ( Bread Financial ). XXXX, the payment processor, provided documentation showing that the refund was successfully transmitted to XXXX XXXX through the XXXX payment network using ARN XXXX. After receiving this documentation, XXXX XXXX stated that the refund had been received and returned. However, XXXX reports that it has no record of receiving a returned refund and has requested documentation from the issuing bank showing that the refund was returned. Because the account is now serviced by Comenity Capital Bank, XXXX XXXX will not assist me directly. I have submitted multiple written requests to Comenity between XX/XX/XXXX and XX/XX/XXXX seeking assistance in obtaining documentation supporting XXXX XXXX 's statement that the refund was returned. To date, neither XXXX XXXX nor Comenity Capital Bank has provided documentation showing that the refund was actually returned electronically through the payment network. I am requesting assistance in obtaining documentation supporting the claim that the refund was returned, or an explanation of how that determination was made. The {$670.00} refund remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
The bankruptcy reported on my credit file is inaccurate and has not been properly verified. The credit reporting agency failed to provide competent proof of verification despite prior disputes, violating FCRA 607 ( b ) and 611 ( a ). Continued reporting of unverifiable public record information is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
i moved out of apartment returning my keys and garage door opener and the landlord at that time told me that everything was taken care of. i didn't even know about an attempt to collect a debt from this creditor till I seen it on my credit report 3 years later. i got in touch with XXXX XXXX who sent me my rental agreement which stated if I broke the lease that I would be charged for 2 months. i ask him bout the extra amount charged and if he would send me a break down of charges and he has failed to comply after multiple attempts of me requesting documentation with an explanation of charges. i disputed with XXXX and XXXX because the amount Is in accurate but they contact the collection agency who never even sent me notice of the account prior to me seeing it on my credit statement 3 years later and that company just sends them a printout statement saying I owe {$2500.00} with no break down or explanation and the credit bureau shuts it down and does no further investigations into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Meritize Financial Inc.
State: NJ

Complaint narrative:
I took out a private loan through Meritize in XXXX, TX to attend XXXX XXXX, a Texas based XXXX XXXX that later rebranded to XXXX. I am filing this complaint for the following reasons : XXXX. Fraudulent misrepresentation that induced my enrollment and loan : During the phone and email recruitment I was told that job placement upon completion was guaranteed. I was also told most students secure employment so quickly they begin paying off the loan before payments are even due. The program failed to place me in any job, I received no meaningful career support or curriculum, and I was abruptly kicked out and cut off from all communications and unaware that the company was closing. I also found out that upon their change from XXXX XXXX to XXXX, their tuition for new recruits dropped significantly from {$35000.00} to under {$10000.00}. XXXX. Meritize 's refusal to honor the FTC Holder Rule : When I contacted Meritize to initiate a school misconduct discharge review, I was told this was a school issue and to contact the school directly. However the school rebranded from XXXX XXXX to XXXX after I enrolled and has since shut down entirely and is completely unreachable. There is no way for me to contact them. Meritize also stated their only responsibility was to finance the loan. This directly contradicts the FTC Holder Rule, which requires Meritize as the loan holder to be subject to all claims and defenses I could have raised against the school, including fraud and misrepresentation. XXXX. Pattern of predatory behavior : Numerous other borrowers have publicly documented identical experiences on XXXX and other platforms, describing the same guaranteed job placement promises, the same phone recruiting tactic of minimizing the {$35000.00} debt, the same rebranding and them being kicked out of the program and the school shutting down.

Company response to consumer: In progress
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am a victim of check fraud ( Claims # XXXX / # XXXX ). Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX contact attempts via phone and branch visits to resolve this matter. I have submitted XXXX pages of formal evidence, including local police reports, XXXX XXXX, and FTC Identity Theft reports . Despite this, the bank refuses to grant Regulation E provisional credit, claiming the case is " not eligible '' without a formal investigation conclusion. Bank representatives have provided conflicting information and imposed arbitrary administrative hurdles. On XX/XX/XXXX, under severe emotional distress, I was pressured to open a new account as a " security measure, '' which does not address the pending fraud. The bank has failed to resolve this error within the mandatory timeframes. I am requesting : Immediate issuance of the provisional credit as required by Regulation E. A formal written explanation for the denial of credit. A thorough investigation of the fraud facilitated by the bank 's security lapse.

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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I was just not able to afford to make the payments anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA closed XXXX of my accounts, one was a checking account, the other was another checking account, and one was a savings account, and also a credit card. I got no notification of it until the day of that they were closing my accounts. I got a documents in my e documents on USAA saying that my credit and debit cards were closed and all accounts were closed with them. I got a letter XX/XX/year> but they closed the account on XX/XX/year>. They then said a check in the mail will be provided by 60 days for my balances.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
Opened account XX/XX/year>, answered all the questions, person who opened account said i qualified for the Veterans account. I asked if i needed to present my XXXX because we recently moved and it might take awhile to either find or request a copy, she said no that the account is set up. I said ok and for 2 months was fine. Check my account to find a service charge, ask the bank what its for, they claim it's because I'm not listed as a veteran and I would need to go to the branch to get it waived. Went into the branch and told them what happened, they said they would waive the fee and i could bring in the paperwork. In the meantime they would switch me to a different account. I agreed and left. They then called me and told me they would not be waiving the fee and I needed to bring the paperwork in. I told them to close the account as I did not trust that they wouldn't charge me until I could get the paperwork in. I withdrew all the money in the account so they can't steal more of my money but have yet to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
It's hard getting through to Cash App always talking about live chat I'm old school I would like to speak to a representative live

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> at approximately XXXX, I attempted to withdraw {$500.00} from an M & T Bank drive-through ATM located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. During the transaction, before I was able to retrieve the cash, my vehicle moved slightly forward and the ATM retracted the funds. I did not receive the {$500.00} at any time. Immediately afterward, I returned to the same ATM and made a separate {$20.00} withdrawal to determine whether the machine was functioning properly. The ATM dispensed the {$20.00} successfully, but the original {$500.00} was never received. I promptly reported the incident to M & T Bank and filed a dispute. M & T later informed me that the ATM was " balanced '' and denied my claim. However, the bank has refused to provide any documentation or evidence supporting its conclusion. I requested proof of the investigation, including ATM audit logs, cash reconciliation records, and confirmation that surveillance footage was reviewed, but M & T would not provide any information and closed the dispute. My concern is that M & T denied my claim based solely on an internal conclusion that the ATM was balanced, without providing any evidence that I actually received the {$500.00}. I am requesting that M & T reopen the investigation, conduct a thorough review of the ATM transaction records and cash reconciliation data, preserve and review any available surveillance footage, and provide a written explanation of how it determined that the funds were properly dispensed and received.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
So my account was closed for no reason from Citi Bank, They finally closed my account on XXXX have asked when will I receive my check I didnt get any response.They held my money going on 3 months.Last time I called was XXXX I have got the same issue they dont know or give me the run around.I just want my funds my rent is behind and Im almost about to get put out with my children please help.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: NJ

Complaint narrative:
Summit A * R Inc. ( Reference No. XXXX ) is attempting to collect {$1100.00} on behalf of XXXX XXXXXXXX XXXX XXXX XXXX for alleged vehicle damage from rental agreement no. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt in its entirety, and the creditor 's own documentation disproves the claim. First, XXXXXXXX XXXX rental agreement, produced in the claim packet, expressly lists the identical damage as pre-existing at vehicle checkout on XX/XX/year> : " Bumper, rear / Passenger side / scratch / 5-10 cm superficial. '' The damage XXXX now claims I caused is described in its own documents as " Bumper, rear Passenger side scratch 5-10 cm. '' Same panel, same side, same dimensions. I am being billed for damage documented as present before I took possession of the vehicle. Second, the claim packet contains no dated or timestamped pre-rental photographs. The only photographs are undated images taken after the vehicle was returned. Third, the creditor 's documents contradict each other on the date of damage. XXXX 's damage letter and invoice state XX/XX/year>, while the appraisal documents prepared by The XXXX XXXX XXXX XX/XX/year>, one full day after I returned the vehicle to XXXX at XXXX XXXX on XX/XX/year>, when it was in XXXX 's sole custody. Fourth, the appraisal was a {$25.00} fixed fee remote photo review with no physical inspection, and it lists the vehicle mileage as 80 miles against the 26,817 miles recorded on the rental agreement at pickup. Regarding Summit AR 's conduct : I disputed this debt in writing by email within the 30-day validation period under 15 U.S.C. 1692g, and mailed a certified dispute on XX/XX/year> ( returned due to an address error ; I retain the postmarked envelope, certified receipt, and XXXX tracking record, and re-mailed to the correct address on XX/XX/year> ). Summit AR 's response of XX/XX/year> was sent by email rather than postal mail and consisted of a restatement that the debt is owed accompanied by the creditor 's claim packet the same packet that proves the damage was pre-existing. This does not constitute verification under 15 U.S.C. 1692g ( b ), and continued collection without adequate verification violates the FDCPA. I have demanded in writing that Summit A R cease collection, close the account, and refrain from any credit reporting. I request that the CFPB direct Summit AR to respond to these documented defects and confirm closure of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have XXXX separate issues with America First Credit Union ( AFCU ), routing number XXXX, both involving failures to follow Regulation E requirements. ( XXXX ) AFCU refused to release a {$350.00} authorization hold even after the merchant ( XXXX ) released it. AFCU kept the funds locked for several days, causing the first overdraft in my account and preventing me from purchasing gasoline needed for work. This resulted in approximately XXXX days of lost income ( about {$600.00} ). AFCU would not correct the hold despite the merchants release. ( XXXX ) AFCU refuses to allow me to dispute an unauthorized {$80.00} withdrawal. I only authorized a {$22.00} XXXX charge for the ride. The additional {$80.00} was not authorized. AFCUs online system blocks disputes, and AFCU will not accept the dispute by phone or in person. AFCU is refusing to follow Regulation E by ( a ) failing to release an authorization hold in a reasonable time, and ( b ) refusing to accept a dispute for an unauthorized transaction. I am requesting that AFCU process both issues in compliance with Regulation E and issue provisional credit for the unauthorized {$80.00} transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Today XX/XX/year> I received multiple documents from USAA stating they were terminating our banking relationship and closing our checking and savings accts ending in XXXX and XXXX as well as both of my credit cards ending in XXXX and XXXX for seemingly no reason. We have never been overdrawn, missed a payment on the cards or had any nsf or any other problems. I also deposited a check for over {$11000.00} from my medical insurance company XXXX reimbursing me for international medical care costs this morning and now all of a sudden they are saying they have closed all these accounts and are holding the money for 60 days. We are moving out of state and have bills to pay and deposits that check was going to be for. All of our work payroll and XXXX XXXX also goes to this checking account. They are providing no further information than they can do this for any reason but there has been XXXX reason for it to happen to begin with.

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 2026-06-12 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:
I am filing this complaint regarding Citi 's handling of a disputed credit card transaction. In XX/XX/year>, I purchased two computers through XXXX for approximately {$940.00} each. When the package arrived, it contained only one computer, despite my payment for two. I immediately contacted XXXX. During multiple conversations, XXXX provided inconsistent explanations. Initially, I was told that the computers would be shipped separately and that I should wait for the second shipment. Later, XXXX stated that both computers had been shipped together in a single package. XXXX ultimately failed to resolve the issue and advised me to dispute the charge with my credit card issuer. I then filed a dispute with Citi. During the investigation, XXXX provided tracking information and claimed that the shipment weight was consistent with two computers being delivered. Based largely on that information, Citi denied my dispute. I appealed and requested additional review multiple times. However, Citi continued to uphold the merchant 's position. At no point was I provided with evidence proving that two computers were actually delivered to me. The investigation appeared to rely primarily on shipping records and package weight rather than addressing the fundamental issue that I physically received only one computer. I understand that Citi must consider information provided by the merchant. However, I believe Citi failed to conduct a fair and reasonable investigation of my claim. The fact that a package was shipped with a certain recorded weight does not conclusively establish that both purchased items were received by the customer. As a result, I have been left responsible for approximately {$940.00} for a computer that I never received. Despite repeated efforts with both XXXX and Citi, neither party has provided a satisfactory resolution. I am requesting that Citi reopen and conduct a thorough review of this dispute, taking into consideration the complete circumstances of the case rather than relying solely on the merchant 's shipping records. I am seeking reimbursement for the value of the computer that was paid for but never received. Thank you for your attention to this matter.

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 2026-06-12 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: NY

Complaint narrative:
On XX/XX/XXXX, XXXX resolved 7 disputes in my favor. {$400.00} was credited to my XXXX balance. The remaining {$1200.00}, across 5 payouts ( Payout IDs XXXX, XXXX, XXXX, XXXX, XXXX ), was never received. XXXX states these funds were sent to my XXXX XXXX Send Account on or about XXXX. I contacted XXXX XXXX directly to verify. XXXX reviewed my Send Account and card and confirmed there was NO incoming credit, NO pending credit, and NO record of any attempted transfer from XXXXPayPal between XX/XX/XXXX and XX/XX/XXXX. Nothing received, nothing in process, no trace of the funds on their end whatsoever. XXXX also indicated they can not dispute or trace the transaction from their side because nothing was ever presented to them. The funds therefore never left XXXX, or failed in transit. Either way, XXXX holds the obligation. Despite this, XXXX support has repeatedly directed me to work with my bank, which is circular : the receiving institution has already confirmed in direct communication with me that no transfer was ever received or pending. XXXX agents have given contradictory statements. One stated funds were released but not received, another stated they successfully went through, and on XX/XX/XXXX an agent claimed the amount has been refunded but then said they would need to seek assistance when asked for evidence. No agent has been able to provide a trace number, settlement ID, or any proof the funds left XXXX. Three formal escalations have been opened : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). The first two promised email follow-up within 1-3 business days. Neither produced any contact. The second cases stated 10-business-day turnaround expired on approximately XX/XX/XXXX with no response. In one session, an agent could not locate my escalated case at all. Since the receiving institution confirms nothing was ever sent or pending, and XXXX can not evidence the transfer, this is a failed electronic fund transfer of {$1200.00} that XXXX has neither completed nor reissued, in violation of its error-resolution obligations under the EFTA / Regulation E.

Company response to consumer: Closed with explanation