vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: MI

Complaint narrative:
On XX/XX/XXXX, a {$950.00} charge posted as XXXX XXXXXXXX XXXX XXXX XXXX for a time-specific catering service for a live event. The merchant materially failed to provide the contracted service during the event window ( core items/quantities were missing ; the attempted correction occurred too late and the order still did not match what was paid for ). I attempted to resolve directly with the merchant on XX/XX/XXXX by phone ( approximately XXXX XXXX and XXXX XXXX ). I also attempted to submit a complaint via the merchants website on XX/XX/XXXX ( submission error ) and attempted email contact on XX/XX/XXXX ( message returned/undeliverable ). I opened a dispute with Citi ( Case ID XXXX ). Citi issued a conditional/provisional credit during the investigation and requested additional documentation, which I provided ( invoice/order confirmation, detailed timeline, call evidence, photos showing what was delivered vs. what was later obtained, and screenshots of failed contact attempts ). Citi repeatedly required me to provide a partial dollar amount for service not received because some food was physically delivered. I explained in writing that this was a time-specific service and the failure during the event defeated the essential purpose of the service ; therefore the value of services not received was the full amount. Citi ultimately denied the dispute, stating I received the services for which [ I ] contracted, and reversed the conditional credit ( final letter dated XX/XX/XXXX ). Citi did not provide the merchant representment/response or other documentation it relied on, did not identify the dispute classification/reason code used, and did not give a detailed rationale addressing the evidence submitted. I am requesting CFPB assistance to require Citi to provide the basis and supporting documentation for its determination and to reopen/review the dispute consistent with applicable card dispute standards for time-specific services.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel extremely violated and helpless. I have been battling a identity theft crisis and all of the uncertainty makes me so uneasy. I am currently unemployed with minimal resources, so I am starting at the bottom with everything and trying to make my life right again.

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 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally disputing the late payment and delinquency notations on my credit report, as they do not accurately reflect my payment history. These entries should be corrected to Paid as Agreed and any delinquency references removed.

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 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
Company Name : Axos Bank ( UFB Direct ) Product : Checking or Savings Account Description of Incident I am filing this complaint against UFB Direct ( a division of Axos Bank ) regarding their failure to process outgoing/incoming ACH transfers XXXX XX/XX/year>, and their subsequent failure to communicate this issue to the affected customer base. On the date mentioned, I initiated/expected an ACH transfer that was not processed according to the standard regulatory timelines. Despite this being a systemic issue affecting multiple customers, UFB Direct : 1. Failed to execute the transaction as scheduled. 2. Failed to provide any notification ( via email, SMS, or secure message ) regarding the delay or technical glitch. 3. Left funds in limbo, causing potential late fees, missed payments, or loss of interest. As of XX/XX/year>, the bank has not provided a formal explanation or a timeline for resolution. This lack of transparency and failure to provide reliable banking services is unacceptable and violates the expectation of " clear and conspicuous '' communication regarding consumer funds. Desired Resolution To resolve this matter, I request that UFB Direct : Provide a written explanation for why the transfers on XX/XX/year>, were not processed. Immediately complete the pending transfers with the original effective date to ensure no loss of interest or standing. Reimburse any late fees or penalties incurred due to this delay. Commit to a formal communication policy for future technical outages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I have submitted for federal loan forgiveness but I have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was sent a debit card by Citibank which I dont use and a PIN number to activate the new card. I didnt apply for any cards or lines of 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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am disputing a {$92.00} collection account reported by National Credit Systems on behalf of XXXX at XXXX. This charge relates to disputed apartment move-out fees that were never properly explained or validated. I requested debt validation, including itemized charges and contractual proof, but the debt has not been substantiated. Despite the dispute, this account continues to damage my credit report. I request : 1. Full validation of the debt, OR 2. Immediate deletion from all credit reporting agencies if validation can not be provided. The amount is minimal, yet the credit damage is significant and disproportionate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
In 2025, I entered into a settlement agreement with the creditor that issued my Milestone credit card to resolve a past-due balance. The agreed settlement amount was {$710.00}, to be paid in monthly payments of {$50.00} until the settlement balance was satisfied. After entering the agreement, I began making the required monthly payments. However, I recently discovered that the payments were not applied toward the agreed settlement balance. Instead, the creditor continued charging interest and monthly maintenance fees, and the payments appear to have been applied primarily toward those charges rather than reducing the settlement amount. Because of this, the balance has not decreased according to the settlement terms even though payments were made. Additionally, the settlement documentation that was previously accessible through the creditors website is no longer available, preventing me from reviewing the agreement. I have stopped autopay to prevent additional improper withdrawals and have sent a written dispute letter requesting a copy of the settlement agreement, a full accounting of payments, and correction of the account balance so that all payments made are applied toward the agreed settlement amount. I am requesting that the creditor honor the settlement agreement, properly apply my payments to the settlement balance, remove any interest and fees that were added after the agreement, and correct the account balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one restricted my access to my account. I contacted them XXXX XXXX when I tried to make my remaining residual payment of {$49.00} I was not able to access my account. The application states they needed to further confirm my information I have attempted to fix this issue 5 times and they still have not found a resolution. I tried to make the payment with them on the phone and they say they have no access to process the remaining payment. My payment is due XX/XX/XXXX. If I do not make this payment in full before XX/XX/XXXX I will be accruing interest on the residual remaining balance of {$49.00}. Capital one also has refused to provide me any email confirmation of said issue or any back up of whats going on with my account. They claim they do not send emails of on going cases or any confirmation at all. I just need to call back and keep checking on the status of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Bank Account : Ending in XXXX Bank Details : Bank : Fifth Third Bank Branch : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch Manager : XXXX XXXX XXXX XXXX Handling Case : XXXX XXXX Subject : recovery amount through checks by bank Complaint : I am filing this complaint against Fifth Third Bank regarding a {$2500.00} mobile check deposit that has not been returned to me. On XX/XX/scrub>, 2025, I deposited a {$2500.00} check through mobile deposit into my Fifth Third Bank account. The bank placed a hold on the funds, which remained for approximately XX/XX/XXXX months without explanation. After this period, my account was closed, and the {$2500.00} has still not been returned. I contacted the bank multiple times, including XXXX XXXX, who initially handled my case, and XXXX XXXX XXXX XXXX, the branch manager at the XXXX XXXX branch. Despite these communications, the bank has not resolved the issue or returned my funds. This delay has caused financial hardship and stress. I am requesting immediate release and return of my {$2500.00}, along with a full written explanation for why the funds were held for such an extended period and why they were not returned when my account was closed. I done lot of emails to them but no respond perfectly and ignored completely I respectfully request the Consumer Financial Protection Bureaus assistance in resolving this matter as quickly as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX. On XX/XX/year> made a payment of {$120.00}. And on XX/XX/year> made another payment of {$500.00}. After making these payment the app for Santander was change. XXXX. Called on XX/XX/year>, Letting them know that the app is not being transparent. Not giving me a option to see my balance due, payoff amounts. Advise me to go to the inbox. Nothing there in the inbox. XXXX. Called on XX/XX/year>, requested to have the payoff sent to my email., they refuse to send. XXXX. Called on XXXX XXXX, requested from another representative. Was very helpful, but refused to sent to my email. Loan to be payoff on or before XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One ( CO ) on XX/XX/year> to inquire about a credit bureau alert I received regarding an account that had been opened with my SSN. CO rep said they have my SSN on file but it's under an account with the name of XXXX XXXX. When I requested they close this account, they said it couldn't be done and they'd investigate. I called back on XX/XX/year> to follow up and was once again told there's an account ( credit card ) with my SSN but not my name or DOB. When I told them the account was opened fraudulently because I don't have any accounts with them and my name is not XXXX XXXX, I was told the Social Security Administration assigns the same SSN to multiple people and I need to contact them to clarify. I told them this is not correct and requested they close the account. They said it couldn't be done because only the person who opened the account can close it. During both phone calls, the three reps I spoke to were adamant about one SSN being assigned to multiple people. I tried telling them this is not correct but in different ways, they said, " ... in the US, different people can have the same SSN ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
My XXXX was hacked and they were able to take all of my money out of my linked bank account. A total of XXXX dollars was stolen. My bank was with Chime. Chime refuses to refund my money, the person sent my money to a XXXX account. I made a claim with both XXXX and Chime, no one is helping me in either company. I want to sue both companies but I have no clue where to start, especially since its identity theft so it means they now have access to my personal information on XXXX. I need help. Please help me sue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2026 I was served by a stranger at my home with legal documents from XXXX XXXX XXXX XXXX on the credit card debt I owed to synchrony bank. I contacted synchrony bank if I could negotiate a price they said no and I have to contact XXXX XXXXXXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX to negotiate a price they said no I have to contact the law firm XXXX XXXX XXXX XXXX. I contacted the law firm I told them I never agreed to have my debt sold to them in the first place but I take full accountability to the debt of synchrony bank. I offered to negotiate a price which they said they want the payment in full, I stated I cant afford the full payment but I can do XXXX payments. The lady on the phone said they were willing break the payments up but on the last payment the court fees will be added. I told her the court fees arent part of the debt I owed and I dont agree to paying them. She never stated that the court fees werent going to be added but I authorized a {$600.00} payment on XX/XX/2026. She read if I do not pay the rest the default judgement will be put against me and will be added to my credit report. But if I do pay the court case may be thrown out and the default judgement will be cleared. I have never heard of a debt collection agency being so aggressive by being threatened by a law suit. This is very inconvenient for my finances right now.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, U.S. Bank marked a balance transfer of {$1800.00} to my XXXX account as completed ( reference # XXXX ; tracing # XXXX ). XXXX has confirmed they never received the funds. I contacted U.S. Bank multiple times requesting proof of payment, including a check image or ACH confirmation, but they have not provided any documentation. As a result, I remain responsible for the balance on XXXX and have incurred interest and fees through no fault of my own. I am requesting proof of delivery or immediate reissue/credit of the balance transfer and reimbursement of any related interest or fees.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I was trying to send money in Cash App and I put in the $ tag and it gave me the wrong person I tried to cancel it I requested it back and was told there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Subject : Complaint Regarding Unauthorized Charge and Failure to Resolve Dispute I am filing this complaint regarding an unauthorized charge of {$140.00} that occurred on XX/XX/year>, through XXXX by a company listed as XXXX XXXX based in XXXX. I immediately disputed this transaction because I did not authorize the charge. However, the issue has not been resolved despite multiple attempts with both XXXX and the issuing bank, Goldman Sachs Bank USA. XXXX informed me that they can not locate the transaction without the full credit card number used for the payment. The payment was made using a digital card, which was replaced several times after I reported the unauthorized charge. Because of this, the bank has stated that they no longer have the full card number available. As a result, XXXX can not investigate the transaction without the full card number, and the bank has also not been able to resolve the dispute or provide the necessary information. This has left me without any way to properly pursue my claim. Additionally, the merchant appears questionable, and when I contacted them regarding the charge, they directed me back to XXXX instead of addressing the dispute. Due to the lack of cooperation and resolution from both the payment processor and the issuing bank, I am requesting assistance in resolving this matter. I request that the responsible financial institution investigate this transaction and provide a refund for the unauthorized charge of {$140.00}. I appreciate your assistance in reviewing this complaint and helping resolve this issue. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC
State: AZ

Complaint narrative:
I am currently in the underwriting process for a home mortgage and am required to provide a full financial accounting of my title loan for the lender. I have made multiple written requests to LoanMax for a comprehensive financial ledger and a formal payoff statement. On XX/XX/year>, I issued a formal demand for these documents with a clear deadline of XX/XX/year>, at XXXX XXXX XXXX. The company has completely ignored this deadline and has failed to provide any accounting of my payments or the current balance. Furthermore, I am a recipient of {$1600.00} in monthly XXXX benefits. I submitted a formal request for reasonable accommodation under the Americans with Disabilities Act ( ADA ) regarding the management and communication of my financial records to ensure they are handled appropriately given my status. The company has refused to acknowledge or implement this accommodation. Their intentional withholding of my financial records is obstructing a residential mortgage transaction and causing me direct financial harm.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
Around the end of XXXX I received an alert from XXXX XXXX that my XXXX XXXX would decrease because of new account opened with Chime/XXXX XXXX. I called Chime and advised them I have not opened an account with them. They said they would send this to their fraud department and have it removed from my credit report. XXXX still has info about the Chime account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Acra Intermediate Holdings, LLC

Complaint narrative:
XXXX XXXX XXXX issued insurance claim proceeds in the amount of {$20000.00} on XX/XX/year>. The cheque was never negotiated as it was lost due to the COVID-19 Pandemic and chaos that u folded, and has become stale. I have repeatedly requested the cheque be reissued but have not received assistance.

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