vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I purchased a dog named XXXX on XX/XX/XXXX from XXXX XXXX of the Past ( owner XXXX XXXX ) and it was received on XX/XX/XXXX. XXXX was shipped from XXXX Virginia to my home in Ohio as part of the purchase. To my surprise, he was very malnourished and sick. After XXXX weeks, he started having XXXX and always had XXXX XXXX since he arrived. I saved him by taking to emergency vet, got him on XXXX prescription to stop XXXX and provided appropriate food. He continued to have XXXX XXXX and I could no longer keep since he was using my home as a bathroom due to his medical problems. After discussing with XXXX XXXX for many weeks, she agreed to take XXXX back if I would pay for shipping. I spent {$1000.00} to purchase him, {$600.00} for shipment to my home, {$290.00} to ship him back, and over {$2000.00} in medical bills. After shipping him back, my credit card company ( Fifth Third ) and XXXX continues to side with the merchant to charge me {$1000.00}. So in the end, I helped take care of XXXX to improve his health, spending thousands of dollars, and shipped him back and forth all for XXXX XXXX to have a healthier dog and collect {$1000.00}. This is not right. I might as well have been clocked over the head and robbed, it would have been easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My prepaid account has been restricted since XX/XX/year>, and I have been unable to access my funds during that time. Despite being locked out, monthly plan fees of {$4.00} continued to be charged for over a year, totaling over {$100.00}. Because I had no access to my account, I had no ability to prevent or stop these charges. I have contacted customer support multiple times via phone and messaging to request a refund of these fees, but the issue has not been resolved. I am requesting a full refund of all fees charged during the restriction period, as well as appropriate compensation for the prolonged loss of access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I requested the original contract or orginal purchase agreement of the alleged debt proving that i owe this debt and if not I need for it to be deleted of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: SC

Complaint narrative:
Attempted to book flights on XXXX XXXX website with XXXX XXXX credit card. Account was showing vouchers for free seat allocation. On check out no provision to enter voucher code. Rang number on reverse of credit card, misdialed by XXXX digit unknowing got a company posing as a reservation company, person answering call told me to put flight on hold and provide them with code, credit card and voucher number. offered a up grade to XXXX XXXX, XXXX flight cost for XXXX flights {$1500.00} seat cost with no voucher {$490.00}. Upgrade charge to include seat was {$2000.00}, while on hold with company an email was sent with XXXX XXXX XXXX confirming flights, was promised upgrade would follow in email. No email of upgrade received. on checking credit card account, XXXX debits XXXX for {$1500.00} to XXXX XXXX, and XXXX for {$2000.00} to reservations.com. on call to original number person hung up once asked about scam. Basically, the scam was to book my flight and send confirmation giving impression that I was talking to a AA representative, while debiting my card for a further {$2000.00} Citi bank whose is bank for XXXX XXXX XXXX credit card, dismiss this as a scam and refuse to cooperate saying they do not have a policy for scams.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My XXXXc XXXX XXXX XXXX son and i share an account so I can assist him with his finances. On XX/XX/XXXX he deposited his paycheck into his Wells Fargo checking account via mobile deposit. On XX/XX/XXXX, the same check was deposited a second time via " other banking methods '' ( not into our account ). As a result, Wells Fargo deducted the amount of the check from his account. MY son did not cash this check a second time, he didn't even have possession of the original check anymore. It does not show in his account that he deposited it a second time either. Wells Fargo has clearly made an error. The bank refuses to put the money back in his account where it belongs and pursue the obvious fraud that has occurred. I have been pushed from XXXX department to another, having to explain the situation over and over to the rude and unhelpful people. I have gone into the branch and they were unable to assist me. They will not tell me where this check was deposited a second time or pursue what is obviously a fraud. I have the full support of my son 's boss and they are filing against Wells Fargo as well. This bank has stolen my son 's money and will not give it back.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They sent an email to my daughter showing the debt and the amount. Shared details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Dear Coinbase XXXX, I acknowledge your response indicating that you consider this matter closed. For the record, I reiterate that I have not been provided with verifiable ACH documentation to support your claim that a return with code XXXX was generated by my bank. Specifically, no XXXX trace number or equivalent transaction record has been provided despite multiple requests. I have confirmed directly with XXXX XXXX that no XXXX debit from Coinbase for {$5500.00} was ever received or returned. As such, this matter remains unresolved and disputed. This correspondence will be included in my ongoing complaint with the Consumer Financial Protection Bureau and any additional regulatory review as necessary. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Subject : Dispute of Inaccurate Credit Information To Whom It May Concern, I am disputing the following account listed on my credit report : Jefferson Capital Systems XXXX : {$700.00} This account appears to be incomplete and unverifiable under the Fair Credit Reporting Act. The report fails to include : * Original creditor information * Full account number * Date of first delinquency Because this information is missing, the account can not be properly verified. I am requesting a full investigation. If this account can not be verified as accurate and complete, it must be deleted from my credit file in accordance with the FCRA. Please send me written confirmation of the results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I received a collection notice from Sequium Asset Solutions , LLC regarding an alleged debt under reference account # XXXX. I do not recognize this alleged debt and have no knowledge of its origin or validity. On XX/XX/year>, I sent a formal written Debt Validation letter to Sequium Asset Solutions , LLC via certified mail, disputing the debt in its entirety and requesting the following documentation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : A copy of the original signed contract or agreement with the original creditor Complete chain of title and assignment documentation from the original creditor to Sequium Proof of legal authorization to collect in Massachusetts A full itemized statement of the alleged balance, including principal, interest, fees, and payment history Copies of all communications related to this account As of the date of this complaint, Sequium has not provided any of the requested validation documents. Despite this, collection activity has not been confirmed as ceased, and I have not received written confirmation that this account will not be reported or updated with consumer reporting agencies while the dispute is pending. I believe this conduct may constitute violations of : FDCPA 15 U.S.C. 1692g ( b ) : continuing collection without providing validation FDCPA 15 U.S.C. 1692e : potential misrepresentation of authority to collect FCRA 15 U.S.C. 1681s-2 ( b ) : reporting unverified information to credit bureaus I am requesting that the CFPB investigate this matter, require Sequium to provide valid documentation of this alleged debt, and ensure that no negative information is reported to consumer reporting agencies unless and until the debt is properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I paid the debt collector in full back in XXXX of 2022. I was told it would be deleted off my credit but is is currently saying I owe more than {$2500.00}. I need this taken off immediately. I a currently having health issues and it is crucial for me to obtain housing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express seems to have a practice of notifying me the payment date in several different ways -- this is all very good, however, it is NEVER consistent. Sometimes, I will receive a payment due notification : The day before its due The day it is due A week before it is due Different methods : sometimes via text Via push notifications via email Never consistent So, in retrospect, it seems that American Express is banking on this inconsistent payment reminder system as a way to confuse the customer in a predatory way, that lands the customer with late fees, whenever American Express wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I had unauthorized charges on my debit card from different states. These charges were card present transactions. During the days of the fraudulent charges, I had legitimate charges of mine from California so how can they deny to pay my money back? My card can't be XXXX places at the same time. These charges were never authorized and it is theft with charges from other states. The fraudulent charges totaled {$2400.00} and the bank is refusing to pay me my money back and I am a senior citizen and veteran. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Item was settled and company agreed to remove from my credit report from all credit reporting agencies but failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reporting an issue with my Bank of America account regarding a fraud dispute that was not properly resolved. A reversal/charge created a negative balance of approximately {$2100.00}, and later a payroll deposit of about {$860.00} was applied to cover the negative balance. I opened a fraud claim and was instructed to submit supporting documents, but I was unable to complete the process and the claim was closed. I was not given a proper opportunity to reopen or finish submitting required documents. I requested assistance regarding the unauthorized transaction, clarification of the reversal, and instructions to continue or reopen the dispute, but the issue was not fully resolved. I am requesting a full review of the fraud dispute, correction of any unauthorized charges, and proper handling of 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 monetary relief
Consumer complaint received 2026-03-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to file a complaint regarding my XXXX Credit Card, which is issued by Synchrony Bank. I experienced a fraudulent charge on my account, which I reported immediately through the XXXX app ( XXXX ). The charge was initially reversed pending investigation. Approximately XXXX month later, I was charged a balance transfer for the exact same amount as the disputed fraudulent transaction. I did not authorize any balance transfer, nor did I consent to any associated fees. When I contacted XXXX customer service, I was told that the charge represented a remaining balance that had been transferred to a new card as a courtesy after I requested a replacement card. When I asked whether this was related to the original fraudulent charge, I was told they did not know. After further discussion, I was informed that the investigation had not been resolved in my favor and that the amount had been reapplied as a balance transfer. I requested escalation multiple times before finally being connected to a supervisor at Synchrony Bank. At that point, I was given conflicting information : I was told that the investigation had actually been resolved in my favor, but that I had allegedly received a duplicate credit. However, Synchrony Bank also stated they could not identify the additional credit referenced and had no record of such a reimbursement. Despite this, a balance transfer was processed to adjust the account, again without my authorization and with associated fees and interest. As a result, I am now being charged for a transaction I originally reported as fraudulent, along with interest and fees tied to an unauthorized balance transfer. I am seeking a full correction of my account, removal of all related fees and interest, and clarification of the conflicting information provided.

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 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was preapproved for the XXXX XXXX Credit Card issued by Comenity Bank ( Bread Financial ). I applied online and after submitting the application ( and a hard pull of my credit ), Comenity asked me to call to provide additional information. Comenity informed me that I needed to verify my identity by submitting two documents to verify my identity. I submitted two documents online ( drivers ' license and utility bill, as requested ) and received no confirmation of submission. On XX/XX/year>, I received a letter from Comenity Bank stating that my application was denied due to " Suspected Fraud ''. The letter contained no information on contacting the bank for more detail, other than the return mailing address. I called the number Comenity Bank told me to call after the initial application, and was told they had received my documentation, but the application was denied. The rep said they have no further information, and my only recourse was to reapply 30 days after the initial application. Comenity Bank would not reconsider the application, nor connect me to a senior representative. On XX/XX/XXXX ( 33 days after my initial application ), I applied again after another preapproval. After submitting the 2nd application ( and a another hard pull of my credit ), Comenity asked me to call to provide additional information. Comenity again informed me that I needed to verify my identity by submitting two documents to verify my identity. I submitted two documents online ( drivers ' license and a bank statement, as requested ) and received no confirmation of submission. On XX/XX/XXXX, I received a letter from Comenity Bank requesting supporting documentation AND a separate letter stating that my application was denied due to " Suspected Fraud ''. The denial letter contained no information on contacting the bank for more detail, other than the return mailing address. I again called the number Comenity Bank told me to call after the initial application, and was told they had received my documentation, but the application was denied. The rep again said they have no further information, and my only recourse was to reapply 30 days after the initial application. Comenity Bank would not reconsider the application, nor connect me to a senior representative. As this is not acceptable reason for declining credit without further recourse, I can only assume that I am being systemically and illegally being denied credit due to my race, gender, or other criterion under the ECOA by Comenity Bank/Bread Financial .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon. On XX/XX/scrub> 2026, a charge of {$290.00} was posted to my credit card. I called the bank to report the issue ; they blocked my card, and I filed a fraud claim. I asked for clarification regarding how the payment was processedspecifically, whether it was made using the physical card or onlineand the bank informed me that the transaction was executed via XXXX XXXX. However, I pointed out that this specific credit card is not linked to my XXXX XXXX. On XX/XX/year>2026, Bank of America sent me a letter stating that they were unable to approve my recent claim. I wish to file a formal complaint against the bank, as I did not authorize this payment on my credit card. Please help me to solve this fraud claim? Thank you Best regards

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Companys said they was gone dispute them but its still affecting my 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 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/year> I received a notification from XXXX XXXX that my XXXX credit score went down XXXX points because of a collection from an XXXX XXXX in XXXX, FL. Filed a dispute report with XXXX I own and lived in my home for XXXX years. Never co-signed for anyone. Collection Company : National Credit System Apartment Complex : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation