vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB Complaint Narrative Product : Credit Card State/CompanXXXX XXXX Citibank , N.A . Disputed Amount : {$600.00} Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX Description of Incident : I am filing this complaint against Citibank regarding their failure to properly investigate a clear case of billing fraud and services not rendered under the Fair Credit Billing Act. Citibank has closed my dispute despite my providing ironclad, third-party documentary evidence proving that the transaction was fraudulent. On XX/XX/year>, I purchased a hotel reservation through XXXX for the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX, for a scheduled stay on XX/XX/year>. When I physically arrived at the property to check in on XX/XX/XXXX, the hotel front desk staff informed me that my reservation did not exist. Furthermore, they explicitly stated that the hotel has absolutely no relationship or contract with XXXX, and that this booking was a scam. I was forced to find and pay for alternative lodging entirely out of pocket. I promptly filed a dispute with Citibank. XXXX defended the charge by claiming I was simply a " no-show. '' Citibank initially denied my dispute based on this automated merchant response. However, a consumer can not be a " no-show '' to a reservation that the physical hotel states never existed in the first place. To prove this, I contacted the hotel management directly. On XX/XX/year>, I forwarded Citibank an official letter from the management of the XXXX XXXX XXXX XXXX. In that letter, the hotel explicitly confirms that they do not partner with XXXX, have no contract with them, and had no booking for me on XX/XX/XXXX. Despite receiving this absolute proof that XXXX sold me a fraudulent, non-existent product that they had no legal right or capacity to sell, Citibank sent me a letter dated XX/XX/year>, stating they are closing the investigation because " the merchant will not honor our request for credit. '' Citibank is failing its regulatory duty to protect me from fraudulent billing. They are allowing a predatory third-party broker to keep {$600.00} for services that were physically and legally impossible to render, completely ignoring written verification from the actual brick-and-mortar merchant. I request that the CFPB compel Citibank to re-open this case, review the third-party merchant documentation I have provided, and permanently reverse this fraudulent {$600.00} charge.

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 2026-05-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX ( tonight ), I contacted Chase Card Services customer service to request that they transfer XXXX Ultimate Rewards points from my wife 's account into my account. Before initiating the transfer, I explicitly asked the representative on three separate occasions during the recorded call whether the points would retain their 1.25x redemption value through the Chase Travel portal upon transfer. The representative assured me each time that the points would not lose any value. Relying entirely on those repeated assurances, I authorized the transfer. Upon completion of the transfer, I discovered that all points including the 90 % + that were earned prior to the XX/XX/XXXX cutoff date and were therefore eligible for the grandfathered 1.25x redemption rate were now only redeemable at 1x through the Chase Travel portal. The grandfathered protection was lost as a direct result of the transfer that I was incorrectly advised would preserve that value. I would never have completed this transaction had the correct information between provided, when asked three separate times on the call. I called Chase back within 10 minutes of discovering the issue. Chase refused to reverse the transfer or restore the points ' redemption value, despite the error originating solely from misinformation provided by their representative on a recorded call. Chase 's resolution offer was to open an internal case with their marketing department for review within 1014 business days which I escalated to 35 business days with a manager but this is inadequate given that I intend to book travel within the next three days, which was the express purpose of the transfer. I asked three times specifically because I had concerns this might occur. The representative confirmed three times, on a recorded call, that it would not. I would not have made this transfer had I received accurate information. The financial loss resulting from Chase 's representative 's misrepresentation is approximately {$300.00} {$350.00} in redeemable travel value.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
On XX/XX/year>, XXXX, they wrote to me in a threatening way to come to my house by obtaining my location, on an account that is old .. Im in college and the company obtain funds through Acima to fix my moms and dads car. They told them they were getting tires and they actually lied and claimed they were gon na fix my moms and dad suspension. They did not fix it at all. My mom and dad called XXXX XXXX in XXXX NC and Acima 3 years ago and told them the tire company lied to them .. and they did not give me any tires. They told Acima and they said they were gon na take care of it but they did not. They turned my account over to XXXX, in which they have the wrong price that it was. This is what they wrote me today on XX/XX/year>, Ive copied and pasted the messages. See below. XXXX ( XXXX ) XXXX ) Text Message SMS Today XXXX XXXX XXXX XXXX this message is from XXXX. We are verifying your location regarding your Past-Due Account with Acima Lease to Own. It is urgent, and time sensitive you call our office to discuss voluntary options for your Negative Balance of {$1700.00}. To speak to a live representative please call XXXX and while calling back reference your Filing ID # XXXX If you did not expect this message from an unknown sender, it may be spam. I want to report their threatening tactics to find my location.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2025, I had an XXXX XXXX XXXX order for {$31.00} that shows as canceled. The charge was disputed through my Chase credit card ending in XXXX. Chase later posted a {$31.00} return for XXXX XXXX on XX/XX/2025, with a posted date of XX/XX/2025. After the dispute was resolved and the amount was returned, XXXX continued showing the same {$31.00} as an outstanding balance in my XXXX account. XXXX is now preventing me from booking rides unless I repay the same disputed amount. I contacted XXXX to ask that the balance be removed from my account because the charge had already been reversed through Chase, but XXXX refused to remove it. I am now unable to use XXXX unless I pay the same charge again. I am requesting that Chase confirm in writing whether the dispute was resolved in my favor, whether the credit was final or provisional, whether XXXX contested or re presented the charge, and whether XXXX is allowed to continue treating this same amount as owed after the credit card dispute was resolved. I am also requesting Chases written position on whether a forced repayment by XXXX would be considered duplicate billing or improper collection of a previously disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Identity Theft Affidavit Statement To : Internal Revenue Service ( IRS ) Taxpayer Name : XXXX XXXX. Tax Years Affected : XXXX To Whom It May Concern, I am writing to formally report suspected identity theft involving my Social Security number and unauthorized unemployment insurance claims that appear on my IRS Wage and Income Transcripts for tax years XXXX and XXXX. After reviewing my IRS records, I discovered multiple unemployment claims were filed in several states without my knowledge or consent. These states include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not file, authorize, or receive benefits from any of these unemployment insurance programs. I believe my personal identifying information, including my Social Security number, was compromised and fraudulently used. During the entire period in question, I was unable to file any claims due to medical circumstances. I was XXXX on XX/XX/XXXX, and remained under continuous medical care until my discharge on XX/XX/XXXX. Additionally, I am a confirmed victim of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) mail theft. I have supporting documentation regarding this incident, which may be related to how my personal information was accessed and misused. Because of these circumstances, I respectfully request that the IRS review my account for identity theft, remove any fraudulent income or benefits associated with these unemployment claims, and take any corrective actions necessary to prevent further misuse of my identity. I am willing to provide any additional documentation required to support this claim, including medical records, unemployment transcripts, and XXXX theft reports. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Issue : Improper Credit Reporting / Furnisher Violation Company : Midland Credit Management Original Creditor : XXXX XXXX Description of the Problem : I am filing a complaint against Midland Credit Management for furnishing inaccurate, misleading, and unverified information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ). I disputed the accuracy of this account with the credit bureaus, and the credit report now shows : Account information disputed by consumer. However, Midland did not correct the reporting and continues to furnish inaccurate information. Here are the specific violations : False Payment History Midland is reporting a monthly payment grid ( C and ND ) for XXXX and XXXX. I have never made payments to Midland. Collection accounts are not permitted to show monthly payment history. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX guidelines. Improper Past Due Amount The account displays {$740.00} past due. Collection accounts can not show a past due amount because they are already past due by definition. This is inaccurate and deceptive reporting. Potential Re-Aging of the Debt The account is reported as Opened : XX/XX/XXXX, which may not match the true original delinquency date with XXXX XXXX. If the Date of First Delinquency is older, this constitutes illegal re-aging under FCRA 605 ( c ). Failure to Verify After Dispute After my dispute, Midland did not provide any documentation proving the debt is valid or demonstrating the accuracy of the information being reported. Under FCRA 623 ( b ), they must investigate and either correct or remove the information. Continued Monthly Updating Midland is updating the account every month even though no new information exists. This results in repeated fresh derogatory reporting, which is misleading and may violate FCRA 607 ( b ) and 623 ( a ). Requested Resolution : Remove the Midland Credit Management collection account from all three credit bureaus OR Fully correct all reporting to comply with FCRA and XXXX standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the information reported on my credit report because it is inaccurate and misrepresents my actual credit history and account status. After reviewing my report, I found clear discrepancies that suggest the information is incomplete, outdated, or incorrectly reported, and it is unfairly damaging my credit profile. I expect an immediate and thorough investigation into this matter, along with proper validation of the account in question. If you are unable to verify that the information is accurate and complete, it must be corrected or removed without delay in accordance with applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
This has ruined me for credit and building a future for my family, it's a very old debt {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
My Robinhood account was restricted due to suspected suspicious activity and was later permanently closed. At the time of closure, my account had a remaining balance of {$1000.00} in my investment account. Robinhood informed me via email that the remaining funds would be returned to my original payment method. However, the funds were instead split into two separate payments of {$540.00} and {$460.00} and sent to two different cards that were not the original payment method on file. When I followed up for clarification regarding the remaining balance, I was told the funds would be returned within 510 business days. It has now been more than 10 business days, and I have only received a portion of the total amount owed. I have attempted multiple times to contact customer support via email and support requests, but I have not received any meaningful response. In addition, my in-app access to customer support appears to have been restricted, preventing me from communicating with an agent directly. At this point, I am requesting a clear explanation of where the remaining funds are and when I can expect full reimbursement of the {$1000.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
am writing to the alleged debt reference above. I do not acknowledge or accept responsibility for this debt, and request written verification before any further action is taken. Please provide the following information to validate this debt : The total amount of the alleged debt, including a complete breakdown of the principal balance, interest, fees, or any additional charges. The name and contact details of the original creditor, including the date the debt was originally incurred. Written documents showing that I am legally obligated to pay this debt, including contracts, agreements, or other supporting documents. A complete account history, including the original balance, any payments made, adjustments, and the date of all transactions Under FDCPA 1692g, I request full validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: TX

Complaint narrative:
I received a legitimate {$70.00} payment through XXXX on or around XX/XX/XXXX for independent contractor work. XXXX suspended my account and requested identity verification several days later. I promptly submitted my ID and completed all requested verification steps. My sending and receiving features now show as approved, yet my funds remain inaccessible and my account continues to be restricted without a clear explanation or timeline. I have contacted support multiple times and have not received a meaningful resolution. I am requesting that XXXX either release my funds immediately or provide a specific written explanation for the continued hold and the exact steps required to resolve the issue. They have all information I can provide, my driver 's license, my bank accounts, and the payment was legitimate work project for another business owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Blood samples were collected through a clinic in XXXX XXXX and sent to XXXX XXXX. For some reason, XXXX XXXX created multiple Bills for the same date ( XX/XX/year> ). There's no way or reason why I would have blood samples collected twice on the same date. I assume because insurance information was entered incorrectly the first time. One of the Bills appears as paid, one of the bills wasn't accepted by insurance and went to collections. I brought this up to the collections agency ( CREDITORS BUREAU USA ) but they didn't bother to check the details of my response and keep threatening me with consequences.

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 2026-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I use my credit card to pay for what I thought was a XXXX for someone in my neighborhood for the amount of {$20.00}. They said I would receive a receipt in my email after a few hours, which I never received. As I walked away, I got a notification that my credit card was used to pay for an amount of {$2000.00} to a company called XXXX XXXX XXXX XXXX, which is a company that does not exist. I denied the transaction, but the charge still showed up ( not sure why ). I immediately opened a fraud claim for my bank, Bank of America ( claim ID XXXX ) that same day ( XX/XX/XXXX ). On XX/XX/year>, Bank of America issued temporary credit to my account. However, on XX/XX/year> I got a notice that my claim was denied due to the fact that they confirmed that my card was used for the charges. The chip was read. The PIN was entered, and/or you signed for the merchandise or service. I called the fraud department on XX/XX/year>. I gave them more information about the claim and the charge, that it was for a company that didnt exist, that the charge was initially declined, and that I did not buy or receive any merchandise, and they re-opened the fraud claim, saying that they would send all this information to the fraud department for another review. I also asked for more information regarding the fraud departments initial decision, which was never sent to me. On XX/XX/year>, I received the fraud departments decision ( claim ID XXXX ) who denied the claim again, for the same exact reasons that they denied the first claim. On XX/XX/XXXX, I called the bank again regarding this claim. The representative I spoke with on the phone advised me to open a billing dispute, as opposed to a fraud dispute, given that I did intend to pay {$20.00} but instead got charged for {$2000.00}. I submitted a billing dispute on XX/XX/XXXX for {$1900.00} ( the {$2000.00} I was charged minus the {$20.00} I thought I was paying ; claim ID XXXX ). On XX/XX/XXXX, I submitted more information for the dispute, including a summary of what happened and additional documents. The bank also asked for a receipt for the purchase, which I am unable to provide given that it was never sent to me, which I explained to the bank. On XX/XX/XXXX, I got the message that once again the bank denied my billing dispute on account of the fact that the account paid is the correct amount, given that I could not provide a receipt showing the original amount, although I had stated that I have not received a receipt. I received another denial of my claim on XX/XX/year>. I subsequently filed an FTC complaint, OCC complaint and police report on XX/XX/year>.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For several months, I have been unable to properly access my account information through either the Citibank mobile application or the website. Specifically, when I drill down into account balances and attempt to view transaction details or supporting information, I repeatedly receive messages indicating there is no data to display. The issue exists across both platforms, which effectively prevents me from accessing and reviewing important financial information associated with my accounts. I am unable to perform basic banking transactions online and have screenshots to evidence the error. Basic banking that can not be completed includes checking to account balances, making transfers, and depositing checks at a minimum. What is particularly disappointing is that I have also attempted to seek assistance through my assigned XXXX Relationship Manager, yet my emails have gone unanswered. Further, on XX/XX/2026, I called the designated customer service line and after over 15 minutes, the customer service representative disconnected and did not call me back. I find it unacceptable that : I have been unable to access account detail information for months The issue affects both the app and website, eliminating alternative methods of access My attempts to obtain assistance from my XXXX Relationship Manager have not received a response There has been no communication, ownership, or resolution despite repeated attempts to seek 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 non-monetary relief