vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a balance transfer on my Citi credit card. I was unaware that new purchases were accruing interest separately from the balance transfer. Between XX/XX/XXXX and XX/XX/XXXX, I was charged {$11.00} in interest. I called Citi to request a reversal. The representative reversed {$2.00} and explicitly told me to call back once that reversal posted to complete the remaining {$9.00}. When I called back, a supervisor and the retention department both refused to honor what the original representative promised, citing a one-time goodwill policy. I was misled by their own representative into believing the full amount would be reversed across two calls.

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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding its handling of fraudulent ACH debit transactions and failure to comply with Regulation E. I disputed unauthorized ACH debits totaling {$1700.00} from XXXX XXXX that posted to my checking account prior to its closure ( Claim # XXXX ). I am a victim of identity theft and can provide supporting documentation. The merchant XXXX XXXX confirmed that a {$1700.00} refund was issued to Bank of America in connection with this fraud claim. However, Bank of America has refused to reimburse me and incorrectly states the claim was resolved in the merchants favor. This response is inconsistent with the information provided by the merchant and raises serious concerns about the banks compliance with consumer protection laws. I request a proper investigation, written documentation of the determination, and prompt reimbursement of {$1700.00}.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am disputing the reporting and handling of my PayPal Credit account opened on XX/XX/XXXX. My XXXX report reflects a last payment made on XX/XX/XXXX, yet the account was reported charged off by XX/XX/XXXX. I believed automatic payments were set up and was unaware payments had stopped being drafted around late XXXX / early XXXX. I did not receive clear notice that autopay had ceased, and had I known, I would have addressed the account immediately. I also found inconsistent delinquency reporting across the credit bureaus. Please provide the complete payment ledger, autopay enrollment/cancellation history, any failed payment attempts, notices sent, Date of First Delinquency, and documentation supporting the charge-off and bureau reporting. If inaccurate, please correct all credit bureaus.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX of the account since I opened it I have maybe 11 disputes that I've ever submitted not all of them have been approved not all of them were denied For the last two words denied and they thus then closed my account based on their statement of violating their terms and conditions and did not reference as to what was violated I then request the information from them as do per the fair credit reporting act and they denied any sort of information with it and just went ahead and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased an item on-line from XXXX in XXXX of XXXX. I sent a check to Synchrony Bank ( which handles transactions for XXXX ) in a timely manner. I received an email indicating their was a problem with the check because of an error ( not insufficient funds ). My bank XXXX returned the check to Synchrony. While time is passing by, Synchrony is charging me late fees and/or penalties. I return emails to them but apparently their email return is not monitored. More late fees and penalties. In the emails I asked them to please return the check to me in order to find what was the difficulty with the transaction. I did not hear back from them. The emails keep coming and coming asking if I 'forgot to send a payment ', etc. I called them several times and they explained that the item was not paid for because of a problem 'reading the check '. Again, I asked for it to be returned. More fees and penalties. The most recent email was my bill at {$150.00}, nearly four times the original cost. I called them back on XX/XX/XXXX and spoke to an individual I could barely understand. All she did was repeat the timeline and transfer me elsewhere. I went through a similar process with another agent. A third transfer ( XXXX, I believe ) was insistent that I was in the wrong and said I owe the amount. She also stated something curious, that the payment was made on line. I said I used a physical check and she stated I was wrong again. I was transferred to the fraud department. I stated I would pay the original {$49.00} if they didn't receive it but not the fees and penalties. They put me on hold to discuss it and came back stating I'd already been given a % off. I'm not sure that is accurate. But I wanted all the alleged late fees removed. I would pay the {$49.00} and I'd like my check returned for my records. That was denied and I said I would be contacting you people.

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 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Complaint to CFPB Regarding Unauthorized Credit Inquiry / Access to Personal Information I am filing a complaint regarding what appears to be an unauthorized inquiry and possible improper access to my personal information by Upstart Network , Inc.. In reviewing my XXXX credit report, I noticed that Upstart Network , Inc. made an inquiry in XX/XX/2026. I did not knowingly authorize this company to obtain my credit report, access my personal information, or submit an application on my behalf. I am concerned that my information may have been accessed without my consent, or that my identity may have been used improperly. I am requesting a full investigation into this inquiry and the basis on which my credit report was accessed. I respectfully request the following : 1. Verification of the alleged authorization or permissible purpose used to access my credit report. 2. Copies of any application, consent form, electronic signature, or records tied to this inquiry. 3. Removal of the unauthorized inquiry if no valid authorization exists. 4. Confirmation that my personal information has not been misused or shared improperly. 5. Any additional steps I should take to protect my identity and credit file. This inquiry was discovered on my XXXX credit report, and I would appreciate prompt resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
Someone made a mistake and sent me XXXX XXXX dollars and requested a refund.Which I tried to comply, but because I owed on my account, they denied me.I then spoke to cash, app support to let them know the situation.And they still denied me stating that my account would have to be a positive balance for the refund.But I explained to them, this person was not trying to send me funds.And that they should not be penalized on my behalf, which they stated that they would not give them their funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I received dental treatment involving crowns placed on XXXX ( XXXX # XXXX, # XXXX, and # XXXX ), and the charges were processed through my CareCredit account. The procedure was unsuccessful, and the XXXX did not properly fit the XXXX. The XXXX and XXXX became unstable and unusable. I filed a complaint with the XXXX XXXX XXXX, and after investigation, the XXXX confirmed that the dental provider made errors during treatment and failed to meet accepted standards of care. Disciplinary action was taken against the provider. Despite this confirmed finding of improper treatment, the dental provider refused to correct the issue or provide any refund. I was charged approximately {$5200.00} through CareCredit ( in addition to the initial visit ), and CareCredit has continued charging me interest over time. I am now being required to pay for defective and unsuccessful dental work. This situation has caused significant financial hardship, and I am unable to resolve the issue directly with the provider. I am requesting a full investigation of these charges, verification of services billed, and a refund of all amounts related to improperly performed treatment. I also request removal of any associated interest, fees, and ongoing charges related to this dispute.

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 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed through XXXX and {$130.00} was taken/sent from my Chime account. I only have the XXXX conversation and the transaction details in my account. They are not willing to send money back. I have already report this scam to company but they cant do anything, i reach out to my bank customer service but still they are not willing to help me with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported on my credit file by Capital One. The account in question, reported as opened in XX/XX/year>, is listed on my credit report with an incorrect spelling of my name. This constitutes a clear error in personal identifying information. I previously filed a dispute with the credit reporting agencies and/or Capital One to address this issue ; however, the dispute did not result in a correction or removal of the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
On or about XX/XX/XXXX, I discovered concerns regarding the accuracy and integrity of information being reported on my student loan account. I believe my personal information may have been disclosed to a third party without authorization. On XX/XX/XXXX, I submitted a formal written dispute to the loan servicer requesting a full investigation and documentation to verify the account, including the promissory note, complete payment history, and date of first delinquency. To date, I have not received sufficient documentation to substantiate the reporting or confirm that a reasonable investigation was conducted. Despite my dispute, the account continues to be reported. Due to these issues, I am disputing the accuracy and requesting verification or deletion if the information can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This account is being reported inaccurately by Central Portfolio Control. The balance and account details have not been properly verified, and I have not been provided sufficient documentation to support the validity of this debt. This account appears to be associated with a charged-off or transferred debt, yet there is no clear documentation confirming the chain of ownership or XXXX authority to collect and report it. Previous disputes resulted in the account being marked as verified, however no supporting evidence was provided, which raises concerns about the adequacy of the investigation conducted. I am requesting full validation of this account, including proof of ownership, complete account history, and verification of the balance. If this information can not be provided, the account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Subject : CFPB Complaint Possible Discrimination and Misleading Handling of Mortgage Refinance Application To Whom It May Concern, I am submitting this complaint regarding my mortgage refinance experience with Navy Federal Credit Union during the COVID period when mortgage interest rates were near historic lows. I applied to refinance my primary residence and was financially qualified based on my own income and creditworthiness. I had sufficient income independently, maintained creditworthiness, and was seeking to refinance only the home that was my primary residence. During the process, I clearly explained to the loan officer and underwriters that my husbands separate home was paid solely by him. I also explained that no income of mine was being used to pay his home, and that my refinance application involved only my own primary home. Despite this, I believe inaccurate assumptions were made and irrelevant factors were used against me. Even after this information was provided and verified, I was denied a fair opportunity to obtain a lower interest rate. I also found the loan officers communication to be misleading, unclear, and unhelpful throughout the process. My concerns are as follows : * My independent income and creditworthiness were not fairly considered * My husbands separate financial obligations appeared to be improperly weighed against me * I was not given clear or accurate guidance by the loan officer * I may have been treated differently due to marital status or assumptions about household finances * I lost the opportunity to refinance during a historic low-rate period, causing financial harm I believe I was discriminated against and unfairly denied access to a better mortgage rate despite being qualified on my own merits. I respectfully request that the Consumer Financial Protection Bureau review this matter and require Navy Federal Credit Union to provide : 1. A full explanation of the underwriting and pricing decision 2. Copies of all application notes, disclosures, and adverse action notices 3. Clarification as to whether marital status or a spouses separate obligations were considered 4. Review for fair lending compliance and equal treatment standards 5. Appropriate remediation if unfair treatment occurred Consumers deserve transparent and lawful lending practices. I am requesting accountability and a fair review of this. XXXX XXXX I believe was the loan XXXX that assured me after providing information everything would be fine and lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: TN

Complaint narrative:
The vehicle was paid in full over ten years ago. A formal written request for a notarized Lien Satisfaction was sent via Certified Mail [ tracking number XXXX ] on XX/XX/year> and signed for by XXXX XXXX. XXXX has failed to provide the lien release required to clear the California title. I demand an immediate notarized Lien Satisfaction letter mailed to my address : XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My credit card with Wells Fargo was transferred from another provider, XXXX, earlier this year. I had always taken care of auto-payment thru XXXX and never had an issue. After the transition, Wells Fargo started handling the billing and payment, and on the first statement I received from Wells Fargo, it was showing XXXX balance. The second statement arrived and also showed XXXX balance. I didn't think think much about this until I checked the account linked to my auto-pay. I saw 2 recurring charges for about the same amount without a lot of description other than Wells Fargo. This led me to check my Wells Fargo account. Upon checking my Wells Fargo account, the balance still showed XXXX balance, but now I see interest being charged on my account. I immediately called a banker and explained the situation. The banker told me since the account is showing XXXX balance ( attached two statements that showed XXXX balance ), there's nothing he could do. He assured me, however, that he already filed a claim and asked me to wait until the next statement ( when the balance will show up ) to pay the balance. He also informed that since this wasn't my fault, but the bank system 's fault, that any charges and interest will be waived/reversed. He also mentioned that someone from the bank would give me a call to resolve the issue in 5 business days. About two weeks after that call, I checked my Wells Fargo account, and I noticed an additional interest was charged on top of the previous interest charge. I called the bank again, and again explained the situation, the banker ( a different one than the previous one ) told me the exact same thing ( that she would file a claim and resolve this ). I asked for a direct number this time, but they did not provide this information.

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 2026-04-26 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: IL

Complaint narrative:
I am a longtime Citi customer with an excellent credit history. I filed a dispute for a XXXX charge involving a part that was never delivered and service not provided. I submitted clear evidence showing : The proofofdelivery photo XXXX provided is not my home XXXX own messages contradict their delivery claim The purchase order and invoice numbers XXXX submitted do not match my receipt Despite this documentation, Citis dispute team closed my case without addressing any of these discrepancies. I escalated the issue and was told by Citis executive office that my case would be reviewed. However, I later received a written letter stating the investigation was closed and would not be reviewed again. This directly contradicts what I was told at the executive level. I was scheduled to receive an executive callback regarding this issue, but the call never occurred. When I followed up, I was told no one was available to speak with me. Citi has not reviewed the evidence I submitted, has provided contradictory information, and has not followed through on the executivelevel commitments they made. As a longtime customer with a strong credit history, I am requesting that Citi properly review the evidence and reverse the charge based on the documented contradictions.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've asked Wells Fargo for lower APR rate I have been with this company for years and paid my credit card payment on time I don't get no offers for credit increases I don't get no offers for APR decreases I don't get anything all I get is junk mail from them calls were nobody is not helping me out with this situation just trying to stay and compliance so they can think that they're helping me but they're not just junk mail and junk calls that's it and threats to close my account they told me if I ask for help my account will definitely get closed

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