vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Report number # XXXX Formal 611 Dispute -Demand for reinvestigation & removal of unverified collection account To whom it May concern, This letter serves as a formal dispute under FCRA 611 ( 15U.S.C.1681i ) regarding inaccurate and unverified information appearing on my credit report.I am demanding a full reinvestigation and complete deletion of the following collection account : XXXX federal # XXXX Reporting inaccuracy XXXX inconsistent -No original contract or legally required documentation exists on your end -This furnisher has failed to validate this debt under FDCPA requirements -This account appears to be re-aged, which is illegal -The furnisher has reported conflicting data across multiple bureaus FCRA requires that any information you report must be accurate , e-OSCAR results, and " Verified as accurate '' statements do not satisfy 611 ( b ) requirements.Verification requires actual documentation, including ; Original Signed application/ Contract complete payment history from the original creditor Proof of assignment or legal right to collect Date of first delinquency Full validation from the furnisher- not a Simple data match if you can not obtain and provide me this documentation within 30days, you are federally required under FCRA to Delete this account from my credit report immediately.Failure to comply, continued reporting of unverified information, or the use of automated verification process without documentation constitutes willful noncompliance under FCRA 616, and I will not hesitate to pursue will available legal remedies.I expect written confirmation of the deletetion or of full validation document mailed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My wallet got stolen and someone used my cards at an XXXX. I contacted PNC to cancel my cards and report the fraud. I also filed a police report and they have caught the culprit. The XXXX store has security footage of the person that used my cards. 
PNC denied my request for reimbursement stating transaction details and customers historical pattern of use Just because I go to XXXX sometimes does not mean I made these purchases. It was 2 large transactions that I did not make

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint due to ongoing unauthorized payment attempts and withdrawals by Citibank from a previously linked bank account, which has caused significant financial harm and a severe decline in my credit score, now below XXXX. 

Despite reporting fraud, closing the affected Citi accounts, and returning compromised cards using XXXX shipping labels provided by Citibank, Citibank systems continued to initiate unauthorized ACH debit attempts through CITI AUTOPAY / XXXX XXXX  / ACH retry transactions. 

These debit attempts involved varying and unexplained amounts including {$1000.00}, {$2000.00}, {$490.00}, {$86.00}, {$36.00}, and others. Many of these transactions failed and were returned, yet Citibank repeatedly retried the debits without my authorization. 

As a direct result : I was forced to close my bank account to prevent further unauthorized withdrawals Citibank continued to generate billing statements and payment attempts My credit score has dropped below XXXX, significantly affecting my financial standing, access to credit, and personal stability I did not authorize any of these payments, do not recognize the legitimacy of the balances, and do not recognize an account ending XXXX, which differs from my compromised card ending XXXX. This discrepancy further demonstrates serious internal account handling and identity verification failures. 

Although I have contacted Citibank multiple times, I have only been informed that the issue is escalated, with no confirmation that autopay or ACH debit links were permanently XXXX. The unauthorized debit attempts continued until my bank account was closed. 
I am requesting CFPB assistance to require Citibank to : 1. Permanently terminate all autopay and ACH debit authorizations linked to my identity and banking information 2. Conduct a full internal investigation and audit of all accounts created or linked under my name 3. Reverse and reimburse any unauthorized withdrawals, fees, or penalties 4. Correct all negative credit reporting and restore my credit score to its pre-fraud condition 5. Provide written confirmation that no further billing, debit attempts, or collection activity will occur under my identity I have attached documentation showing the unauthorized debit attempts, returned
payments, billing discrepancies, and evidence of the decline of my credit score to below 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 monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
I am filing this complaint against the XXXX XXXX XXXX XXXX and their associated collection practices because I am being continuously charged for a debt that has already been paid in full, and they have refused to stop the unlawful allotment or correct their reporting to my security office. 

On or around XXXX XX/XX/year>, my XXXX security XXXX received a notice from the XXXX XXXX XXXX XXXX stating that I owed {$7800.00}. Upon receiving this notice, I immediately contacted the Exchange. They provided me with a phone number for a collection agency handling the alleged debt. I worked directly with that collection agency and paid the full balance they claimed was owed. 

After making this payment, I obtained all three major credit reportXXXX XXXX XXXX XXXX XXXX XXXX  ), each of which shows a {$0.00} balance on the XXXX XXXX account, confirming that the debt has been satisfied. Despite this, the XXXX XXXX XXXX has continued to deduct {$290.00} per month from my retirement pay for nearly XXXX years. I have therefore paid approximately {$20000.00} totalfar in excess of the original amount they alleged I owed. 

I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) and requested that they stop the allotment. XXXX stated that they were unable to stop it and directed me back to the XXXX XXXX XXXX. I have repeatedly contacted the XXXX XXXX XXXX in writing and by phone requesting that they terminate the allotment, refund overpayments, and correct their records. They have refused to stop the deductions, refused to meaningfully engage with me, and have not provided any valid explanation or documentation justifying continued collection. 

Despite the account being paid off and showing a {$0.00} balance on my credit reports, the Armed Forces Exchange has again reported me as delinquent to my Army security manager. This has created ongoing professional and personal harm, as financial delinquencies are relevant to my security clearance. 

I have also emailed XXXX multiple times complaining about this situation, but no corrective action has been taken by any party. As a result, I am being wrongfully charged, over-collected, and improperly reported as delinquent for a debt that no longer exists. I am requesting that the CFPB investigate this matter, require the Armed Forces Exchange/Military Star to immediately stop the retirement allotment, refund all improper payments collected after the debt was satisfied, and correct any inaccurate reporting made to my credit bureaus and my security office

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 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Our Mortgage was change to a consumer loan they are. asserting we change those terms to cause this we are DISPUTING THAT. We paid our final 30 year mortgage payment XX/XX/XXXX they applied it to that consumer loan date on approval of that loan was XX/XX/XXXX. After looking at this document that date was during COVID 19 government shut down. We also see on our report we had been extended 5 years of credit due to pandemic, however TRUSTMARK BANK did not share that with us. We continue to pay our morgtage during that time NEVER LATE, however we was charged interest and late fees during that time. We have sent certified letters asking to respond in 30 days for explanation those too have been met with no response. Please help us resolved this and get refunded for whats due us. My sel-employed husband and Simi retired XXXX had XXXX XXXX in XXXX of XXXX the balance of Mortgage was under {$9000.00} we tried to get HELOC to assist to pay bills THE President of the bank looked at our status and verbally approved us encouraging to apply but to our dismay we was denied, both our credits was over XXXX. Please looke into this thank you

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 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Company states I owe a debt, did not validate or send XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Report number # XXXX Formal 611 Dispute -Demand for reinvestigation & removal of unverified collection account To whom it May concern, This letter serves as a formal dispute under FCRA 611 ( 15U.S.C.1681i ) regarding inaccurate and unverified information appearing on my credit report.I am demanding a full reinvestigation and complete deletion of the following collection account : XXXX federal # XXXX Reporting inaccuracy XXXX inconsistent -No original contract or legally required documentation exists on your end -This furnisher has failed to validate this debt under FDCPA requirements -This account appears to be re-aged, which is illegal -The furnisher has reported conflicting data across multiple bureaus FCRA requires that any information you report must be accurate XXXX XXXX  results, and " Verified as accurate '' statements do not satisfy 611 ( b ) requirements.Verification requires actual documentation, including ; Original Signed application/ Contract complete payment history from the original creditor Proof of assignment or legal right to collect Date of first delinquency Full validation from the furnisher- not a Simple data match if you can not obtain and provide me this documentation within 30days, you are federally required under FCRA to Delete this account from my credit report immediately.Failure to comply, continued reporting of unverified information, or the use of automated verification process without documentation constitutes willful noncompliance under FCRA 616, and I will not hesitate to pursue will available legal remedies.I expect written confirmation of the deletetion or of full validation document mailed

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have provided poof of XXXX  showing that I could not make the transaction that happened in months starting XX/XX/XXXX and ending XX/XX/XXXX because I was XXXX  I also spoke with chime while on the phone in XXXX  so they should have phone calls where they can hear the phone say that I'm in a XXXX XXXX l.chimw has denied my case twice even with this proof of XXXX  Chime has failed to conduct a " reasonable investigation '' under the Electronic Fund Transfer Act ( Regulation E ). Because of XXXX  it I undeniable proof that I could not make these transactions on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I have credit monitoring setup for myself. I received several notices within the span of a few days, for a credit check and for a new account with a particular lender. I do not bank with this lender and had not sought credit for any reason. I was able to reach their fraud department and have the account closed before the card even arrived. When card arrived I saw that it was not a credit card linked to a network ( XXXX, XXXX, etc ) but was instead for a store/company I'd never heard of.

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 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is my second CFPB complaint regarding my Best Buy Credit Card, issued by Citibank. Best Buy is the merchant partner, and Citibank is the card issuer. 

I spoke with XXXX from the Best Buy XXXX XXXX and XXXX from Citibanks XXXX XXXX regarding this issue. 

Prior to the closure of my Best Buy credit card, I contacted customer service and was verbally informed by both a customer service representative and a supervisor that I would not lose my reward points if the card was closed. I relied on these representations. 

My Best Buy credit card was closed on XX/XX/year>. After the account was closed, my reward points were removed and I no longer had access to the Best Buy point banking system. Without an active credit card, points are automatically converted into reward certificates with expiration dates. Because my account was already closed, I did not have the opportunity to transfer my points to a gift card through the point banking system. 

After I contacted the CFPB regarding this matter, XXXX from Citibank was assigned to the case and cooperated with me. Following her investigation, my Best Buy credit card was reopened and reissued on XX/XX/year>. Despite the account being active again, Best Buy has stated that they are unable to verify the credit card in their system. 

As a result, my reward points were not restored, and I continue to lack access to the point banking system. This issue has been ongoing since XX/XX/year> and remains unresolved. 

XXXX from Best Buys XXXX XXXX advised that my points would be reissued once the issue was settled ; however, this has not occurred. Communication from Best Buy has been inconsistent, and my situation continues to be dismissed or redirected back to Citibank without resolution. I have received changing information and proposed options, none of which restore my access to my rewards. 

I have email communications with Best Buys XXXX XXXX  documenting these interactions and can provide them upon request. 

At the time my account was closed, I had XXXX reward points, which had a value of approximately {$850.00} in earned rewards. These points were accumulated through my purchases. I am requesting restoration of these XXXX points with full access to the Best Buy point banking system, so I may redeem them as intended, including redemption to a gift card of my choice. Reissuing expiring reward certificates alone does not resolve the issue, as certificates do not provide access to point banking or equivalent redemption options. 

I have exhausted all reasonable efforts to resolve this matter directly with Best Buy and Citibank. I relied on the representations made to me regarding the preservation of my reward points and have suffered financial harm as a result.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/year>, I booked tickets with XXXX I contacted their customer service to change the reservation, the travel agency agreed and charged me {$430.00} on my Wells Fargo debit card. That charge appeared as XXXX XXXX on my checking account. Upon checking the flight booking, I came to know that the flight has never been changed and the travel agency has scammed me for {$430.00}. 
Next-day, I got an alert that my debit card has been used at multiple locations to make purchases. I immediately blocked that Debit card and filed a dispute with Wells Fargo for all those transactions. 
Now after two months, Wells Fargo has closed that claim and refused to credit my account for {$430.00} saying that XXXX XXXX is a valid company. I called their claims department and told them that I never received that service. How could they charge me for that? 
I have also checked on XXXX and many travelers have been scammed like that but the banks dont care about their clients. They are allowing the scammers to take their money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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

Complaint narrative:
My PayPal account associated with the email XXXX, under my name XXXX XXXX XXXX, has been permanently limited since XXXX. 

There is a balance of {$1000.00} USD in my account, which has been held for nearly five years. Despite waiting far beyond PayPals stated 180-day holding period, I have never been allowed to withdraw my funds.

Over the past five years, I have contacted PayPal customer support many times via phone calls and online messaging. Each time, I only receive generic, automated responses stating that no further information can be provided and that I must continue waiting.

I have complied with all PayPal requests and requirements. However, PayPal has failed to provide a clear explanation, a lawful justification, or a timeline for releasing my funds.

These funds are legitimate earnings and rightfully belong to me. Holding my money for such an excessive period without transparency or resolution has caused serious financial hardship.

I am requesting PayPal to immediately restore my ability to withdraw funds or provide a clear and lawful explanation for withholding my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I filed for Federal Bankruptcy protection ( Case No : XXXX, Arizona. This filing triggered an Automatic Stay under 11 U.S.C. 362 ( a ), which legally prohibits Capital One from attempting to collect the debt or contacting me regarding the account. 

Despite this, Capital One is in willful violation of the stay. They have continued collection efforts, including two telephonic contacts and ongoing attempts to collect the balance as of XX/XX/XXXX. Capital One was provided Actual Notice via a certified letter delivered in XX/XX/XXXX. Furthermore, my case file is redacted on PACER by court order due to direct physical danger to me. Capital Ones continued, unauthorized contact and reporting significantly exacerbate this risk and demonstrate a reckless disregard for federal law and consumer safety. 

1 U.S.C. 362 ( a ) : Violation of the Automatic Stay injunction.

11 U.S.C. 362 ( k ) : Capital One is liable for actual damages, costs, and punitive damages due to the willful nature of the violation after receiving notice.

15 U.S.C. 1681s-2 ( b ) : Failure to update credit reporting to reflect 'Petition Filed ' ( CII Code A ). Reporting a balance/collection during an active stay is materially misleading and a violation of the 'Maximum Possible Accuracy ' mandate. 

Safeco Ins. Co. v. XXXX, 551 U.S. 47 ( 2007 ) : Capital Ones behavior meets the standard for reckless disregard, as they ignored both court notice and direct consumer certified mail. 

Automatic Stay 11 U.S.C. 362 ( k ) Capital One has " Actual Notice '' via your XX/XX/XXXX certified letter ; continued contact is " Willful. '' Accuracy Duty 15 U.S.C. 1681s-2 ( b ) Reporting an active balance while a stay is in place is " Materially Misleading. '' Reckless Disregard Safeco v. XXXX Ignoring a court-ordered safety redaction constitutes a " high risk of harm. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Company will not refund me for over XXXX worth of transactions that were not authorized by me despite numerous attempts to explain they are not from me. Evidence not sufficient, previous history with a merchant does not constitute purchase.

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 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX XXXX OPENED A CAR LOAN WITH ME AS A COSIGNER XXXX  I WAS XXXX IN XXXX AT THE TIME XXXX  THEY FINANCED HER WITHOUT MY CONSENT XXXX  ILLEGALLY PUT A LOAN IN MY NAME XXXX  NOW ITS IN COLLECTIONS XXXX  DRAGGING MY CREDIT XXXX  I HAD NO KKNOWLEDGE OF THE LOAN OR THE ILLEGAL TRANSACTION

Company response to consumer: Closed with explanation