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

Complaint narrative:
I entered into a contractual agreement with XXXX and XXXX XXXX 's other business XXXX XXXX XXXX XXXX to manage my XXXX XXXX The funds would be professionally managed in XXXX exchange ( XXXX ) trading, a marketplace investment program. Below are the charges which we never received any service. Citi continues to resolve the complaint in the favor of XXXX XXXX XXXX XXXX XXXX I started this the complaint with Citi as a Fraud complaint in XX/XX/XXXX. XXXX XX/XX/XXXX I was notified that it could not be filed as a Fraud complaint and I would have to re-open all of the charges as billing disputes. Due to they were dragging their feet and not providing a resolution, I continued to get delaying emails. After weeks and weeks of delay and missed calls, on XX/XX/XXXX I learned that there was only 1 of the 8 charges that a billing dispute had been opened... not the 8 that was requested. Again, more delay tactics over the next weeks. On XX/XX/XXXX I was able to speak to someone and and demanded an executive office review. On XX/XX/XXXX, XXXX from Citi Executive Response team advised that all charges were not ruled in my favor due to it took longer than 60 days for his team to receive the complaint. His area may not have received it, but it was requested to be opened well within 60 days. Charges : XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$14000.00} XX/XX/XXXX {$8000.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XXXX XXXX, and his family, are being investigated by the FBI for the theft of funds and services for over XXXX XXXX XXXX across at least 7 states. I have attempted contact with XXXX XXXX XXXX XXXX XXXX XXXX times and could not make contact. Thank you, 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 monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/year> two identical withdrawals were made from my TD Bank Checking account associated with my TD Bank Visa. It is set up for Auto-Pay and this month it charged my account with the statement balance two times. The company acknowledges this fact but indicates that it can not be disputed until XXXX business days have passed. The balance was over {$2000.00} and will cause considerable hardship if not quickly resolved. Furthermore, I contacted the credit card company on the 2nd while the payments were still pending. They insisted that they could not stop the payments at this stage, nor were they able to explain why this happened, or assure me that this would not happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This is a debt that happened on XX/XX/XXXX Amount is XXXX with GAP GOOD REWARDS MC I just received the letter on XXXX, XXXX and the amount is XXXX including the interest. I have tried to dispute this debt that not mine, but it doesn't work

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems LLC for inaccurate and unverified credit reporting. Jefferson Capital Systems LLC is reporting a collection account in the amount of {$3100.00}, opened XX/XX/year>, and marked as Placed for collection. They are also listed as the original creditor, which appears inaccurate, as Jefferson Capital is known to operate as a debt buyer. I have not been provided with proper validation of this alleged debt, including : A copy of the original signed contract A complete payment history A full itemization of the amount claimed Documentation proving legal assignment and chain of title Proof that Jefferson Capital has the legal right to collect Additionally, the reporting appears incomplete and potentially misleading, as no account type is listed and the creditor classification may be inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), a furnisher of information must report accurate and verifiable information. Reporting a debt without proper documentation and listing a debt buyer as the original creditor raises serious concerns regarding compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: CA

Complaint narrative:
I have always paid my credit card bills on time. In this instance I even made a large payment a few weeks before the payment due date, but I guess because I didn't set up automatic payments, Citi charged me a late fee AND my credit score went down. I used the Citi chatbot to inquire and they immediately offered to waive the payment, probably because this happens often? This is my second credit card with Citi and after this I will never use another credit card with them 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 2026-03-03 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: Comerica
State: NJ

Complaint narrative:
I called Direct express on XX/XX/year> to report several fraudulent transactions showing on my card, totalling over {$590.00}. I spoke to a rep at XXXX XXXX at XXXX Est, The rep I spoke with went over the fraud transactions and canceled my existing card, I was told a new card would be sent & expedited by XXXX. She then told me she would send me to another Rep to help complete the dispute. I was on hold for XXXX & XXXX minutes, when a rep finally picked up, they said Hello & when I responded the call was disconnected. I tried XXXX on XX/XX/year> to get back in touch with thier customer Service dept, but was able to reach a live person. Today starting at XXXX XXXX I have tried calling to get a live person at least XXXX & I am unable to get to an actual live rep to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created t he debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agree ment, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
on XXXX XXXX I have deposited a check for {$620.00} at Bank of America ATM terminal at XXXX, OR location.I took my receipt with check immage and went home.The next day I have checked my account and figure out that the deposit was not credited.I have called Bank of America, the representative open a claim and told me that a credit for the money will be issued.After 2 days credit was not issued and I have called again.They told me that they have to investigate first and they willl decide if they will issue a credit or not.As of today credit was not issued, the investigation could take up to 45 days, they hold my money, I can not use them, they do not give me any information what is going on and when eventually I can use my money.My wife was laid off and I had to borrow money to pay some of my bills.I really do not know what to do to get my money back.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was the victim of an employment scam in which I was instructed to send funds to purchase cryptocurrency as part of a supposed job onboarding process. I authorized the transaction believing it to be legitimate. Once I realized it was a scam, I immediately contacted PayPal and my bank. My bank refunded the transaction, but PayPal reversed the credit and now holds me responsible for a negative balance of approximately {$5000.00}. I am requesting a formal review under scam victim protections, hardship consideration, and a resolution that does not involve collections or credit reporting. I am not disputing that I initiated the transaction, but I am disputing PayPals refusal to offer relief for an employment scam where I was the victim of deception

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against BMO regarding a business promotion bonus of {$400.00}. As a business owner, I met the requirement of depositing {$4000.00} within the 30-day window, with total deposits reaching {$4000.00}. The bank denied the bonus, claiming the final deposit was outside the tracking period. However, the XXXX day fell on Saturday, XX/XX/year>. I initiated the final XXXX transfers during that weekend. Under standard U.S. financial industry practices, a deadline falling on a non-business day should extend to the next business day. BMOs refusal to honor the promotion due to their own weekend processing delay is an unfair business practice. I am requesting a manual credit of the {$400.00} bonus.

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 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I opened my Marcus savings account on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I attempted to transfer money into the account but was told the transfer could not be processed. I called Marcus and was told there was a security restriction on the account but that it would be resolved shortly. I called Marcus back on XX/XX/XXXX, and was told the issue had not been resolved and that it was a " back office '' problem. XXXX, with the security department, informed me that I could not be made aware of what the issue is or when it will be resolved. In the meantime, I can not transfer money in or OUT of the account, which means Marcus is holding my money without allowing me to withdraw it, for an indefinite period of time, and with no explanation as to why or when I can access my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
RE : Case Number XXXX Hello Navy Federal Credit Union Administration At this time I still have no online access to my accounts. It is well past the a year since restrictions was applied by the bank, Navy Federal Credit Union. I still have not received any written documents stating the decision and what NFCU investigation conclusion derived to. Since Navy Federal is regulated by : NFCU failed to comply with Regulation E investigation and written notice requirements under 12 CFR 1005.11 National Credit Union Administration I am filling a complaint with NCUA stating : I reported fraud and an electronic fund transfer error. No provisional credit was issued. No written determination was provided. No documentation of investigation was provided. No written denial was sent. I am requesting a supervisory level compliance review. I am formally requesting written determination under 12 CFR 1005.11 ( d ). I am requesting copies of documents relied upon in investigation. I am requesting confirmation of investigation completion date. I am requesting confirmation whether provisional credit was considered. A written determination is required. I look forward to your response. Thank you for your assistance in this matter. Best Regards XXXX XXXX XXXX XXXX

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This isn't a monetary complaint. I have a credit card account that I closed with PNC Bank last year, and keep getting mailed notices every single month with " Your payment couldn't be completed, '' even though the account was closed with a XXXX balance ( the notices even say the Payment amount is {$0.00}. There's also a small notice at the bottom that says " This is an attempt to collect a debt or enforce a lien. '' I've called every single time since I started receiving the notices -- maybe XXXX or XXXX of XXXX -- and each time I'm assured they will be stopped, but they never are. There is clearly something wrong with their system and they need to stop sending me these notices. Attaching one such notice to this complaint but there have been many- they come every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: NY

Complaint narrative:
I want help to get my student loans paid off so I can fix my credit score and improve it without it constantly going down Opened XX/XX/XXXX to XX/XX/XXXX loan in the amount of {$1700.00} and {$3000.00} Would also like to remove closed or charged off accounts off record if possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Hello, I have a collections amount owed that is showing up on my credit report from Midland Credit Management. I sent them numerous communications detailed below and did not receive confirmation or verification of the debt back. They have been harassing me for over 3 years yet fail to verify the debt. Alleged amount owed : {$9000.00} Appeared on my credit report in XXXX Contacted them via email XX/XX/XXXX and XX/XX/XXXX Contacted them via mail on XX/XX/XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NE

Complaint narrative:
I hold both a Checking and Savings account with Credit Karma. Approximately XXXX weeks ago, Credit Karma froze both of my accounts without providing any prior notice or explanation. Since then, I have made multiple attempts to understand why my accounts were frozen and to resolve the issue. Despite numerous callsduring which I have waited up to XXXX hours per callI have been unable to reach anyone from the resolution team. My funds remain inaccessible, and I am unable to use or withdraw them. This situation has caused significant inconvenience and financial hardship, and I am seeking immediate assistance to restore access to my accounts. Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation