vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I wanted to receive state benefits titled '' Virginia Revised Statutes 6.2-301 limits the interest rates that creditors can charge to XXXX XXXX military personnel and their spouses. This statute applies to obligations entered into on or after XX/XX/year>. '' Given I am an XXXX XXXX service member that has a home of record for Louisiana. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I payed off my account on XX/XX/year>. Not long after I paid it off they locked my card and I have been unable to use it or do anything on line with it. I get a message to call their customer service and I have called them multiple times with no resolution. 
I asked them to close my account multiple times and go through their verifications and the account is still open and locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital is reporting a XXXX debt that is inaccurate. I disputed the debt and requested validation. They responded with only a billing statement, which is not proper validation under the FDCPA. They did not provide a contract, itemized charges, or proof they have the legal right to collect this debt. They are continuing collection activity without proper validation. I am requesting that this account be removed from my credit report and that all collection activity stop until they provide full validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Formal Debt Dispute and Request for Validation I am formally disputing the alleged balance of {$4600.00} for apartment XXXX reported by XXXX XXXX This debt is inaccurate and not legally owed. 

I moved in unit XXXX XX/XX/year> and surrendered XXXX XXXX and returned keys by XX/XX/year>, ending occupancy. I was transferred to another unit XXXX, without executing a new lease, transferring utilities, completing a move in inspection, or agreeing to any rental charges. I immediately notified property management on XX/XX/year> that the unit was unclean and unsuitable for me to stay there. I received no response. No lease was ever signed for that unit XXXX, therefore no contractual obligation existed. 

My non existent lease in XXXX was later terminated on XX/XX/year> based on a minor dispute that did not involve me, making the termination unfair and unrelated to my conduct. Because no valid lease existed for the transferred unit and unit XXXX was already surrendered, I did not and could not agree to the charges being claimed. XXXX XXXX has stated that there is no signed lease for XXXX on file, only for the original unit XXXX. I also never received my security deposit returned. 

XXXX ledger also reflects a {$4000.00} payment labeled as a check from me that I did not make or authorize. Please provide proof of this transaction. If you can not, this demonstrates inaccurate accounting and further invalidates the alleged balance. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Fair Housing Act ( 42 U.S.C. 3604 ( b ) ), I request full validation of this debt, including a signed lease, itemized charges, proof of lease violation, and proof of legal liability. If validation can not be provided, this account must be removed from my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
1XXXX XXXX XXXX XXXXXXXX veteran. Citi reported 60-day late on XXXX. Same day, I arranged payment for XXXX. Called requesting goodwill removal - outsourced reps couldn't help. 

Requesting removal : immediate response when contacted, honoring payment plan, XXXX veteran needing VA home loan. 

Score dropped XXXX, blocking VA loan. Account : [ 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 2026-02-22 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a vacation package for me and my husband to XXXX with a travel agent using my XXXX XXXX credit card. I paid for round trip airfare, XXXX nights ( XX/XX/XXXX - XXXX, XXXX ) at a XXXX XXXX XXXX XXXX XXXX round trip transportation to and a lot of extras at the resort for a total of {$3600.00}. After learning of the hurricane impact on the island, I was never contacted by the travel agent with any information on how my trip would be impacted. I took the initiative and reached out on XX/XX/XXXX both to the agent and RIU directly. XXXX representative assured me that the resort will reopen on XX/XX/XXXX, ahead of their planned XX/XX/XXXX reopening date and the resort will be fully operational without interruptions. On XX/XX/XXXX, I reached out again and learned that the property will not reopen until XX/XX/XXXX. XXXX refused to talk to me about my refund options as I did not book with them directly. I then tried to get a hold of the agent. My only options were to travel else where but pay extra for different accommodations. When I did not want to pay extra and did not want to endanger me and my husband being stranded on an island without any living accommodations, the merchant provided me a split credit to our names in a dollar amount that now is not equivalent for the service/product I initially paid for. As the merchant failed to render services/product I paid for I turned to my credit card to dispute the charge. I was issued a provisional credit that was then reversed as my dispute Case ID : XXXX was denied by a letter dated on XX/XX/XXXX. I sent and faxed a letter that the credit card confirmed was received on XX/XX/XXXX with additional details and a request to continue the dispute investigation. I then received a letter dated XX/XX/XXXX that my dispute was unable to be resolved. On XX/XX/XXXX credit card representative XXXX confirmed that my case is now closed and I am liable for charges for a service and product I never received as merchant issued me a credit that is not equivalent for the services/product I initially paid for. 
It's very unprofessional and unethical that the credit card is acting in bad faith and is siding with the merchant who made false accusations against me so I turn to you for 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 explanation
Consumer complaint received 2026-02-22 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: VA

Complaint narrative:
Synchrony Bank ( TJX Rewards ) for persistent violations of the Fair Credit Billing Act ( FCBA ) and the Virginia Consumer Protection Act. 

This dispute involves a fraudulent charge of {$2100.00} from XX/XX/year>, which has remained unresolved for over XXXX months. 
And interest keeps adding on that. 

The Evidence of Fraud and Bank Negligence : The Scam Merchant vs. Official Site : The charge on my statement is listed as www.emirates., ny. I have confirmed that the only official worldwide website for XXXX XXXX is XXXX  The merchant that charged my card is a total scam and a fraud. Despite me explaining this, the bank refuses to help me and insists I " deal with the merchant, '' which is impossible. 

Certified Mail Proof : I have sent my dispute evidence via Certified Mail multiple times. I have the tracking receipts and official confirmation that Synchrony received these documents.

Recorded Admissions of Guilt : I have voice recordings of bank representatives giving me conflicting information. Specifically, I have a recording of a Manager named XXXX confirming the bank received my documents. Despite this, other representatives repeatedly lie and claim the documents are " missing '' to avoid resolving the case. 

Intentional " Run-around '' : For over a year, I have been subjected to hours of being on hold and transferred between departments in circles. They continue to charge me interest on a fraudulent amount I am not liable for. 

Requested Action : Because the bank has failed to resolve this within the legal XXXX window and continues to provide false information despite my certified proof and the obvious scam URL, I wish to pursue a formal legal claim for the removal of the debt, correction of my credit report, and damages for the extreme mental distress this has caused me. 

I am ready and have all my proofs, receipts, recordings, and statements ready in my hands and the bank kept ignoring me so I need urgently action.. 

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 2026-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding Truist Banks handling of the payoff process for my commercial mortgage secured by XXXX XXXX XXXX, XXXX, Maryland. A fire occurred on XX/XX/year>, and since that date Truist has repeatedly failed to provide clear, consistent, or timely information regarding the loan payoff, the handling of insurance proceeds, and the documentation required. Their actions have delayed the rebuilding process and harmed XXXX small businesses that can not reopen until Truist releases accurate payoff information. 
For months, Truist has provided conflicting statements about the status of insurance funds and the documents required. I have repeatedly requested written clarification, but Truist representatives have given contradictory explanations, changed requirements without notice, and failed to respond to direct questions. These delays have caused significant financial harm and have prevented progress on restoring the property. 
I was initially told by Truists VP, Small Business Advisor that a XXXX extension was standard practice in situations like mine. Instead of honoring that representation, I was offered a punitive forbearance agreement that required legal fees, a confession of judgment, and the application of insurance proceeds directly to the loan balance. This is not equivalent to an extension and left the lien in place, making it impossible for me to obtain a construction loan to rebuild the property. This deviation from stated standard practice reflects inconsistent treatment that raises a reasonable concern of unequal treatment under the Equal Credit Opportunity Act ( ECOA ).

This situation also raises concerns about whether the bank acted in good faith and dealt fairly in handling the insurance proceeds. Under Maryland law, every contract carries an obligation of good faith and fair dealing, and a lenders discretion over insurance funds must be exercised in good faith. The bank waited until the day before maturity to state its decision, applied the insurance funds to the loan without any genuine evaluation of restoration, and ignored repeated written requests for clarification. These actions raise serious questions about whether the bank exercised its discretion in a manner consistent with goodfaith decisionmaking. Because of this, I am filing complaints with both the Maryland Attorney General and the Consumer Financial Protection Bureau so the situation can be reviewed independently at both the state and federal levels. 
I am requesting that the CFPB review Truists conduct, require the bank to provide a clear and accurate payoff statement, and ensure that Truist complies with federal standards for transparency, accuracy, and timely communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App has money that was deposited into the account ending in XXXX transactions Id # XXXX They claimed they cant give me access stating for verification issues but my social security number and info is linked so ow I have money sitting in there with no access to get it out they didnt ask for a id or verify me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
Issue : Incorrect information on credit report / Debt collection practices Company : Jefferson Capital Systems , LLC I am submitting this complaint regarding Jefferson Capital Systems reporting and collection activity related to an alleged XXXX account. 

This account is currently being reported on my credit file despite the fact that I have formally disputed the debt and requested validation. To date, Jefferson Capital Systems has failed to provide sufficient documentation proving that the alleged debt is accurate, authorized, and legally collectible.

Specifically, Jefferson Capital Systems has not provided : A copy of any signed contract or agreement showing that I authorized this debt Documentation proving lawful transfer or chain of ownership from the original creditor ( XXXX ) A complete payment history or itemized accounting of the alleged balance Proof of their legal authority to collect and report this debt Despite the absence of proper validation, Jefferson Capital Systems continues to report this account to consumer reporting agencies, which is causing harm to my credit profile.

Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 623 ), a debt collector must provide proper validation and may not report information they can not verify as accurate. 

Their continued reporting without providing adequate documentation constitutes : Reporting unverified and potentially inaccurate information Failure to properly validate a disputed debt Unfair and deceptive collection practices I am requesting that the CFPB require Jefferson Capital Systems to : 1. Provide full validation of the alleged debt, including proof of authorization and ownership, OR 2. Immediately delete this account from all credit reporting agencies if proper validation can not be produced.

I also request confirmation that Jefferson Capital Systems has corrected or removed any inaccurate reporting related to this account. 

Consumer Information : Name : XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sparrow Financial, Inc.
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
So I admit I used the card two years ago when I moved in XX/XX/year>, the balance never goes down and stays maxed out. I used it from XXXX XXXX XXXX  I charged to rent a car, but how can the payment not be deducted from the bill. See if theres fraud with the FBI most wanted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding the abrupt closure of my checking account by Chase Bank and the restriction of my XXXX XXXX. 

I have been a customer since XXXX and primarily used my account for personal expenses. Occasionally, I received payments through XXXX for small personal services such as tutoring and selling homemade food. I have never been informed that this activity violated any bank policy, and I have not engaged in any illegal conduct. I also have a Chase credit card, which I pay off in full every month to build my credit. Closing my checking account prevents me from managing and paying my credit card responsibly, which could negatively affect my credit score. 

In XX/XX/XXXX, my XXXX access was temporarily restricted following a customer dispute. That dispute was later denied, and my XXXX access was restored. Shortly thereafter, my XXXX access was restricted again. When I contacted Chase, I was given inconsistent explanations : some representatives stated that XXXX restricted my account, while XXXX representatives said the restriction came from Chase. 

After approximately two months of attempting to clarify the situation, Chase closed my account on XX/XX/XXXX, without prior written notice. The closure notice was emailed to me on XX/XX/XXXX, but my account had already been closed, preventing me from logging in to view the notice. At the time, I was on an 18-hour road trip and could not access my phone frequently. The app instructed me to call Chase and confirm my identity, which I did, but I still was not provided a clear explanation. This left me stranded without access to my funds and caused significant financial hardship. 

I subsequently attempted to open an account with XXXX XXXX XXXX, which was initially approved but closed two days later without explanation. I have obtained my XXXX  report, which shows no negative information, and I am currently awaiting my XXXX XXXX XXXX report to determine whether any adverse information has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited on XX/XX/XXXX without any prior warning, notification, or explanation. I did not discover the ban until I attempted to access my account. I never received any communication from PayPal explaining what I did wrong or what policy I violated. 
After the ban I attempted to open new PayPal accounts on multiple occasions. Each time I entered my Social Security Number my new account was immediately banned as well. This confirms that PayPal has placed a permanent system-wide flag on my identity, not just on a specific account.

I recently contacted PayPal support through live chat and was given an incorrect ban date of XX/XX/XXXX. I was told the decision was final and could not be escalated or appealed. The agent also suggested I open a new account despite the fact that every new account attempt results in an immediate ban upon entering my Social Security Number. 
I filed a complaint through the XXXX XXXX XXXX and received two formal written responses from PayPal 's Global Customer Complaints and Advocacy department. In both responses PayPal confirmed the permanent limitation, cited an Acceptable Use Policy violation and high risk factors, but refused to provide any specific details about what I did wrong, citing confidential risk assessment procedures.

I have never committed fraud, engaged in high risk behavior, or violated any policy to my knowledge. I was never contacted, investigated, warned, or given any opportunity to dispute this ban before or after it was applied. I have been permanently barred from a major financial platform with my identity flagged system-wide for XXXX  years with no explanation, no notice, no due process, and no internal avenue for appeal. This is affecting my ability to work and earn income. 
I am requesting that PayPal provide a specific documented reason for the permanent limitation and the identity level flag on my Social Security Number, and that a genuine review be conducted to determine whether this ban was applied correctly and in compliance with applicable consumer financial protection laws.

Company response to consumer: Closed with explanation