vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
I continually receive ongoing calls at various hours and different phone numbers. The company is called 1st Financial XXXX XXXX. I have no idea who these people are and why they continue to harass me telephonically. Please help me

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: RFNA, LP
State: LA

Complaint narrative:
I apply for a credit card I was granted the credit card after paying off some debt I received a live check in the mail and then and was extra cash live check then after I started paying it off I inquired to pay the balance off in the company wouldn't let me without charging me outrageous fees to close to pay the balance out then I went to court and got a court judgment against me in first city court section B case number XXXX that was filed against me in XX/XX/year> my name is XXXX XXXX XXXX my numbers XXXX case number XXXX section B first City Court XXXX XXXX Louisiana XXXX XXXX I received a letter in the mail stating they were going to take take possession of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital one XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me regarding the alleged debt referenced in your records. Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop communicating with the consumer except for limited purposes permitted by law. Accordingly, you are directed to immediately cease and desist from : * Calling me at any telephone number; * Sending text messages or emails; * Mailing letters or notices, except as permitted under the FDCPA; * Contacting third parties regarding this matter. Any further communication beyond what is expressly permitted by 15 U.S.C. 1692c ( c ) may constitute a violation of federal law, and I will document such violations accordingly. This letter is not an acknowledgment or admission of liability for the alleged debt. Please confirm in writing that you have complied with this request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Albert Corporation
State: FL

Complaint narrative:
I canceled my subscription in XXXX, and since then I have continued to be charged a total of {$110.00}. I did not authorize these charges after cancellation. I have contacted support multiple times, but the issue has not been resolved and the charges have continued. I am requesting a full refund of the {$110.00} and confirmation that my account is fully canceled and will not be charged again.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
Prior CFPB Complaint ID : XXXX / XXXX Dear CFPB Representative, I have been preparing new information that I have recently received in order to submit a new complaint against First-Citizens Bank & Trust Company . I can see that a new complaint ( XXXX ) has been submitted on my behalf, I suppose based upon the feedback that I provided. For nearly one year, First-Citizens Bank has refused to provide any account information or details about these transactions beyond stating there is no record of the transaction. Calls to customer service have been met with instructions to contact XXXX XXXX XXXX or a refusal to discuss a closed account. First-Citizens response to my complaint submitted through CFPB was the first communication or recognition that I have ever received in regards to these issues and in almost 1 year. But recently, on two separate occasions, XX/XX/XXXX and XX/XX/year>, XXXX XXXX XXXX has contacted me with ACH Trace ID Numbers for the missing transaction in question. This is new information that I did not have before, and will verify the transaction that First-Citizens Bank claims does not exist. Also, even though the banks response was primarily defensive, it seems that it includes documented admissions to specific complaints that will also substantiate my current claims significantly and reveals potentially broader implications. For these reasons, I am submitting a new to complaint to First-Citizens Bank & Trust Company . If this information can be added to the current complaint that has been opened on my behalf, or as a new complaint on its own, I would be greatly appreciative. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I entered into a Retail Installment Credit Sale Contract ( FL ) with Ideal Image of Florida, financed through Healthcare Finance Direct ( HFD ), Account XXXX, for laser hair removal services across 5 body areas 40 total sessions for {$3700.00}. I received only 23 of 40 contracted sessions ( 57.5 % ). Ideal Image sold my service location, filed a WARN Act notice closing their Florida headquarters XX/XX/XXXX, and has no locations accessible to me in Florida where I now reside. The remaining 17 sessions can not be delivered. On XX/XX/XXXX, I sent HFD a formal written FDCPA dispute via certified mail disputing the debt in its entirety. HFD never provided debt validation. On XX/XX/XXXX the same day HFD filed a response to my CFPB complaint HFD transferred this account to XXXX for collections without resolving the dispute. The Finance Agreement HFD provided contains the FTC Holder Rule notice in bold capitals, making XXXX as assignee subject to all defenses I have against Ideal Image, including failure to deliver 42.5 % of contracted services. On XX/XX/XXXX, I sent XXXX a formal FDCPA dispute and validation demand via certified mail. XXXX has not responded. I am requesting the CFPB investigate XXXX 's receipt and attempted collection of a formally disputed debt transferred in violation of 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There is a {$24.00} recurring charge that has been showing in my WellsFargo credit card apparently since XX/XX/year> from XXXX which does not exist. I have just spoken with the bank who will be opening a dispute, but I wanted to report them because said website is actually for sale.

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 2026-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Complaint Against XXXX XXXX XXXX I am filing this complaint because XXXX XXXX XXXX continues attempting to collect a debt that resulted from identity theft, despite receiving proper documentation disputing the account. I previously provided notice that this account was fraudulent and not mine, including identity theft documentation and/or an FTC Identity Theft Report and dispute information. Despite this, XXXX XXXX has continued collection efforts. Their actions may violate : * The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * The Fair Debt Collection Practices Act * Identity theft blocking provisions under FCRA 605B I requested that the account be blocked, investigated, and collection activity cease. Instead, XXXX XXXX has continued attempting to collect the alleged debt and/or report it. I am requesting : 1. Immediate cessation of all collection activity 2. Permanent deletion/blocking of the account from all credit reporting agencies 3. Written confirmation that I owe no balance on this fraudulent account 4. Assurance that the account will not be sold or reassigned to another collector I also request copies of any documents XXXX XXXX relied upon to verify this debt belongs to me, including any signed contracts, applications, or account-opening records.

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 2026-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern : I have been Bank of America client for over 39 years without any issue til my wallet stolen, then my credit card was illegally used by thief on numerous occasions. Now Bank of America blocked my account from me accessing. I have not able to pay the bills, I can not do anything without Bank of America online banking. I called numerous different times, about blocking me from accessing my accounts ( Checking, Saving ). Kept asking them let me pay my bills, but they dont seem to care. I called BOA for more than 5 times for this particular issue, they dont seem to care by saying you can not do online banking .. go to XXXX. I was redirected to talk with XXXX online, but it didnt work because no response to my request. I am XXXX XXXX XXXX retiree, had XXXX twice ended up having left side XXXX, difficult walking, keep falling, and can XXXX XXXX. I tried to drive slowly, but ended up having car accident. Despite of explaining my situation, they insisted me to go to bank branch to resolve the issue. I have been almost bedridden, stand up with assistance as well as unpredictably falling toward left side, after falling I can not get up without any assistance. Even with assistance, still having difficult time unless 2 people help me out. I have been a role model customer of Bank of America for 39 years without any issue not so ever. Whenever I called, they always said Thank you for being good client for 39 years.thank you. Now I am being blocked because thief who stolen my wallet, used credit cards on numerous different occasions. I really dont know which way I need to turn, right now, paying my bills are behind. I desperately need your help, so that I will be able to pay the bills. 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 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I am filing a complaint against Indigo Mastercard regarding inaccurate balance reporting, unauthorized charges, and failure to honor a payoff agreement on my closed account. My Indigo account was already closed, and I contacted customer service to negotiate removal of late fees and pay off the remaining balance in full. During the phone call, I specifically asked multiple times for confirmation that the agreed payoff amount would completely satisfy the account and that there would be no additional charges afterward. The representative confirmed several times that the payoff amount was {$590.00} and that this would settle the account completely. Based on that agreement, I authorized the payment. However, after the payment was processed, Indigo also attempted to charge an additional {$120.00} separately, which I never agreed to pay. Because this separate payment was unauthorized and contradicted the agreement discussed on the phone, I disputed/canceled that charge with my bank. Afterward, Indigo began adding additional fees and reporting a new balance on my closed account. I contacted them again and explained that the entire reason I called originally was to remove fees and settle the account in full. I also explained that I repeatedly confirmed the payoff amount before authorizing payment. A manager later stated they could only remove part of the additional fees, but they refused to honor the original payoff agreement. This account is now being reported on my credit report as closed but still late with a remaining balance that should not exist based on the agreement I was given. I relied on the payoff amount provided by Indigo representatives in good faith and should not be penalized for inaccurate information provided by customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Frank! in collections services has continuously fraudulent charged me for medical bills that are unbeknownst to me from XXXX XXXX, have repeatedly added these false charges to the credit bureau causes a major drop in my credit scores by XXXX Points over the last XXXX months. This negative score by Franklin has impacted opportunities to purchase property ; repeated harassment caused XXXX stress as they called the facility switchboard to my office on several occasions causing work stoppage. I have asked them to cease and desist, but they continue to harass me causing mental, physical and economical stress. I Have not received any bills from XXXX and asked, them to forward copies. I have not received proof of any due bills from Franklin or XXXX. I am requesting that franklin remove this negative information " Charge Off '' from my Credit Reports ''. I attest that I do not owe Franklin or XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have experienced repeated fraud holds, account restrictions, and verification problems with multiple Capital One credit card accounts. My Capital One Cabelas card ending in XXXX was repeatedly blocked during legitimate purchases, requiring multiple calls with Capital Ones fraud department. I successfully completed identity verification and uploaded my identification documents more than five times at Capital Ones request. After resolving those issues, I later opened a Capital One Savor account. Shortly afterward, a legitimate purchase attempt involving a family member triggered another fraud alert. Before I was even allowed to finish pressing Yes, I recognize this charge and complete the verification process, I received another message stating that my card was already restricted and that I needed to call for a replacement card. This made the verification process appear ineffective and predetermined rather than a meaningful opportunity to confirm legitimate activity. The blocked transaction was for a relatively low amount, making the repeated restrictions appear excessive after successful verification. Capital One has also repeatedly stated it could not verify me using my long-established phone number, even though this is the only phone number I have and it has been on my account for a long time. I am also a legally XXXX consumer, and these repeated account interruptions, repeated document demands, and failed verification procedures have created substantial hardship and stress. I requested explanations regarding the repeated fraud flags, failed phone verification, repeated ID uploads, and account restrictions after successful verification, but I was not provided with clear or consistent answers. I believe Capital Ones actions may constitute unfair practices under the Consumer Financial Protection Act. To the extent Capital One relied on third-party consumer reporting or identity verification systems in restricting my accounts, I request review for compliance with applicable Fair Credit Reporting Act obligations. I respectfully request a formal review of these repeated fraud flags and account restrictions, clarification regarding my verification status, and restoration of reliable account access without repeated unnecessary disruptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
" On XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX XXXX committed an unlawful Breach of the Peace ( XXXX XXXX ) during a repossession ( Case # XXXX ) on behalf of Hyundai Capital America ( Account # XXXX ). The driver hooked and elevated my XXXX XXXX XXXX while I was physically inside the vehicle in reverse. The driver subjected me to public harassment, stated I 'belong in a zoo, ' and explicitly yelled 'free stuff ' to a crowd of bystanders, inciting the theft of my {$700.00} speaker, XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX console from the sidewalk. A portion of this hostile scene went viral on the XXXX page XXXX XXXX. On XX/XX/XXXX, the tow yard refused to accept a formal Evidence Preservation Notice and stated on a recorded line they will destroy or withhold the truck 's video footage. Local police refused to take a report, stating it is a civil contract dispute. I request an investigation into this predatory firm for unlawful property conversion, destruction of evidence, and violent repossession tactics. ''

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: HI

Complaint narrative:
I used my Chime XXXX debit card to purchase concert tickets from a seller on XXXX who promised to transfer the tickets after payment was received. After the initial payment, the seller repeatedly requested additional payments and fees before the tickets could supposedly be transferred. Believing these payments were necessary to complete the transaction, I sent multiple transactions totaling approximately {$3700.00} between XX/XX/XXXX to XX/XX/XXXX. Despite making these payments, I never received the concert tickets or any valid ticket transfer confirmation. The concert took place on XX/XX/XXXX, and I was never provided the tickets before the event occurred. After I questioned why the tickets had still not been transferred, the seller claimed that I could receive a refund but stated that additional fees and payments were required before the refund could be processed. Based on the sellers repeated assurances, I continued sending transactions in good faith believing I would either receive the tickets or be refunded. However, neither the tickets nor any refund were ever provided. After realizing I had been scammed, I contacted Chime and filed disputes regarding the transactions as goods/services not received. I provided supporting documentation including screenshots of conversations, payment confirmations, and evidence showing that no ticket transfer occurred. However, my disputes were denied twice. I am requesting that Chime reconsider these disputed transactions under XXXX debit card protections for merchandise/services not received and conduct a more thorough review of the supporting evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX a XXXX was placed on my long term XXXX insurance benefits that are direct deposited into my bank account monthly now since XXXX and according to federal law 15 USC SEC.1673 there are limitations of what can and cant be done with percentages governing the law stated and when I tried to speak to someone in their legal management department Ive been turned away and ignored meanwhile my entire source of a quality of life and assurance has been completely taken from me down to the last cent and Ive been left with a XXXX balance in the account not able to attend up coming planned surgeries or doctor appointments, pay rent let alone feed myself because this institution has violated the federal law depriving me of rights under colorable law which at Title 42 U.S.C. Subsection 1983 of the federal law therefore Navy Federal and the IL. HFS Department has caused me harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation