vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 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:
I am submitting this complaint regarding a billing dispute for a non-refundable hotel booking that I was unable to use due to circumstances that made lawful travel impossible. I booked a hotel stay through XXXX for a stay at XXXX XXXX XXXX in XXXX XXXX. The total charge was {$3900.00}, billed to my Barclays credit card. Planned Travel Date : XX/XX/year> Approximately 7 days prior to departure, I discovered that my passport did not meet the entry requirements for travel. I made immediate and repeated attempts to secure a passport renewal or expedited appointment but was unable to obtain one due to lack of available passport appointments despite repeated efforts. Because I could not meet legal entry requirements, I was unable to travel as planned. This was not a voluntary cancellation but a situation where travel was not legally possible despite reasonable efforts. -I contacted XXXX to request a waiver, credit, or any accommodation given the circumstances. XXXX declined, citing the non-refundable nature of the booking, though they did offer a partial goodwill credit of {$300.00} which does not reflect the full loss. -I filed a claim with XXXX XXXX for the insurance we purchase. The claim was denied on the basis that passport-related issues are excluded, despite the fact that I was unable to travel due to legal entry requirements. -I filed a billing dispute with Barclays , asserting that the charge should be reviewed due to the circumstances preventing lawful use of the service. The dispute was denied. -I then submitted a detailed second-level appeal to Barclays on XX/XX/year>, including supporting documentation and a full explanation of the situation. Barclays denied the appeal and upheld the charge. I believe that Barclays failed to conduct a reasonable and fair investigation of my dispute. This was not a standard voluntary cancellation. I was prevented from legally traveling despite making good faith efforts to resolve the issue. As a result, I was unable to use the purchased service at all. Given these circumstances, I believe the charge should have been reconsidered under principles of fairness and consumer protection, particularly where services can not be rendered or used due to circumstances outside the consumer 's control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My account has been past due since XX/XX/XXXX due to a MOHELA system payment error during a period in which my account was on AUTOPAY. Any payment made to the account does not allocate the funds correctly and the account remains past due. I have contacted MOHELA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to resolve this issue. Originally it was stated it would take 90 business days to resolve the issue. I contacted again XX/XX/XXXX - My account was placed on escalation with a phone rep. stating my account would be fixed in 10 business days. During this call XX/XX/XXXX, I requested administrative forbearance on my accounts as well as a written letter from MOHELA admitting that my account delinquency stemmed from MOHELA 's system error so I can dispute the incorrect negative credit reporting to the credit bureaus. These requests were not provided. Its been beyond the resolution period and when contacting MOHELA again, XX/XX/XXXX, a Resolutions department supervisor stated nothing they could do to my account would rectify the issue and they could not provide a date in which this can be resolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint against PORTFOLIO RECOVERY ASSOCIATES for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation requirements. On XX/XX/XXXX, I sent a formal request for debt validation via certified mail regarding three separate collections appearing on my credit report. This letter was successfully delivered, and I have the tracking confirmation and return receipt to verify its receipt. After receiving no response, I sent a second follow-up request on XX/XX/XXXX, again via certified mail. This second request was also successfully delivered. Despite having had ample time to respond, the agency has failed to provide any documentation or verification of the alleged debt. Under the FDCPA, if a consumer disputes a debt or requests validation, the debt collector must cease all collection activitiesincluding reporting the item to credit bureausuntil they have provided the consumer with the requested verification. PORTFOLIO RECOVERY ASSOCIATES continues to report these two items as " verified '' or " accurate '' on my credit reports while ignoring my legal right to see the underlying documentation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I have an auto loan with Pentagon Federal Credit Union ( PenFed ) that is currently flagged under bankruptcy status. Because of this, regular customer service representatives are unable to assist me, and I have been repeatedly told that only the bankruptcy department can handle my account. However, the bankruptcy department does not accept inbound calls and has failed to contact me despite multiple requests made through PenFed representatives. I recently received a repossession notice after being briefly past due, but I have since brought the account current. I am attempting to stay compliant and avoid repossession, but I am unable to obtain any information or assistance due to lack of access to the bankruptcy department. This situation leaves me without any way to manage or understand my account obligations. I am acting in good faith to maintain payments, but PenFed is not providing a way for me to communicate with the appropriate department.

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint against PayPal regarding an unjustified restriction placed on my account and the withholding of {$1200.00} in my balance. My account was limited without a clear or sufficient explanation. I have contacted PayPal multiple times via phone and email, but I continue to receive generic responses that do not address my situation or provide a resolution timeline. I am requesting the following : 1. A clear and specific explanation for why my account was restricted 2. The exact steps required to resolve the issue 3. Immediate release of my funds or a defined timeline for release The lack of transparency and inability to access my funds is causing financial hardship and is unacceptable for a financial services provider. If this matter is not resolved promptly, I am prepared to pursue further legal action and additional regulatory complaints. I expect a timely and thorough response to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX, six fraudulent transactions were made on my stolen Serve card (XXXX XXXX XXXX XXXX) within less than two hours. The transactions were:\n$XXXX at XXXX on XXXX XXXX XXXX at XXXX XXXX\n$XXXX at XXXX XXXX$XXXX at XXXX XXXX\n$XXXX at XXXX on XXXX XXXX at XXXX XXXXn$XXXX at XXXX at XXXX XXXX\n$XXXX at XXXX XXXX at XXXX XXXXnI cancelled the card shortly after, filed a police report, and provided gas station footage showing the thief using my card. The property manager confirmed the thief worked for XXXX XXXX XXXX. They terminated the contract and withheld the final paycheck. My other cards have already approved and refunded these same fraudulent charges. This is the fourth time Serve has denied all six transactions with the same response.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allegiant Capital Recovery LLC
State: OH

Complaint narrative:
Another request for payment without honoring conditions under the law.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 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:
SUBJECT : FORMAL DISPUTE UNDER THE FAIR CREDIT BILLING ACT ( FCBA ) UNAUTHORIZED CHARGES To Whom It May Concern, I am writing to formally appeal the denial of my fraud claim dated XX/XX/year>. I am exercising my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 CFR 1026.13 ) to dispute {$3300.00} in unauthorized charges appearing on my account. I am disputing the banks determination that these charges are valid based on the following facts : Unauthorized Activation : On Tuesday, XX/XX/year>, my credit card was activated by an unauthorized party in Florida. I did not authorize this activation, nor was I in the state of Florida on that date. Geographic Impossibility : The fraudulent transactions occurred between XX/XX/XXXX and XX/XX/year>, in Florida. During this entire period, I was physically present in New York. I have attached documentation proving my presence in New York. Physical Possession of Card : Their " Bot '' determination that a " physical card '' was used, is proof of cloning or skimming. I have been in continuous physical possession of my legitimate card in New York at all times. Attempted Fraud while Locked : An unauthorized online attempt at XXXX occurred while the card was locked around XX/XX/XXXX. This further proves the account was compromised by a third party. Timely Reporting : I contacted the bank immediately on Saturday, XX/XX/year>, to report the fraud and secure the account. Phone call from Barclay : On XX/XX/year>, Barclays own fraud department contacted me via phone to alert me that an unauthorized individual was attempting to access my account over the phone. This proves the bank had internal knowledge that my account credentials were compromised. Despite their own records of an attempted account takeover on XX/XX/XXXX, they are erroneously holding me liable for the Florida charges from earlier that month. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I called to close my Citi Platinum Select card. A retention representative offered to switch my account to the Citi XXXX card, promising a bonus of XXXX XXXX XXXX AAdvantage miles to keep my business. I accepted this offer.After one month, I had not received the new card, and the miles were not credited. I called Citi multiple times, and each representative confirmed that I would be receiving the miles, stating it simply took time to process.On XX/XX/year>, I called again. The representative denied the existence of the offer and claimed I was not eligible for the XXXX miles. When I demanded proof of the offer based on their recorded calls, I was denied access to the recording.This practice is an Unfair, Deceptive, or Abusive Act or Practice ( UDAP ). I was deliberately misled and baited into switching to the XXXX card under false pretenses. As a result of this bait-and-switch, I have closed the XXXX account. I expect Citi to honor the XXXX miles promised by their representative on XX/XX/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 non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: IN

Complaint narrative:
This is consistently happening on many credit cards of mine on a monthly basis. Best Buy charged {$29.00} late fee after I spoke to them in XXXX to get a grand total of what was owed. After speaking with them I paid {$1200.00} on XX/XX/2026, {$500.00} for XX/XX/XXXX, and {$14.00} on XX/XX/XXXX. This is getting crazy from all the cc companies and is a montly occurence to try to charge late fees and overdue charges.

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 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
As of the end of XXXX I had XXXX eligible payments towards the XXXX necessary payments for XXXX. In XX/XX/XXXX the count was updated to XXXX ( one was removed ). Later in XXXX another eligible payment was removed and my payment count was updated to XXXX. In XXXX another month was removed and my eligible payment count was updated to XXXX. When I inquired they said that my payments in XXXX, XXXX, and XX/XX/XXXX were removed because, even though I had made payments in the amount specified in my income driven repayment plan and I was working for an eligible employer ( federal government ), my account had been put into an administrative forbearance by my loan servicer XXXX. I told the XXXX call center rep that I had never requested an administrative forbearance. They said this was the case because of the pause on the SAVE plan but I had never been switched to the save plan, I was always on the REPAYE plan, and I informed them that I had made payments based on my original REPAYE calculated amount. I submitted a reconsideration request in XX/XX/XXXX ( when 1 qualifying payment was removed ), then another one in XX/XX/XXXX. I have also submitted a feedback/complaint on XXXX when the second qualifying payment was removed from my account. My most recent complaint was submitted XX/XX/XXXX ( over 45 business days ). In my complaint I also requested an ombudsman. I called studentaid for an update a month ago ( early XX/XX/XXXX ) and requested a supervisor but was told none were available. I was told one would call me back within a week and was given a case number XXXX but nobody ever called me back. In my numerous reconsideration request I submitted proof of payment, including my bank account statement and email communication from XXXX confirming the payment. I requested another supervisor call back today XX/XX/XXXX and my case number is XXXX. I also stated that regardless of whether I was put in a forbearance without my consent, I should be eligible to buy back those months and since I already made payments they should be applied to my account. Furthermore, the payment for XXXX of XXXX was still taken out of autopayment by XXXX. In XX/XX/XXXX my autopayment did not come out. Upon calling and asking XXXX why my autopay had not come out they said it was turned off but I could still make mannual payments that would count towards XXXX. I then made manual payments in XXXX and XXXX ( after I had noticed that no payment was taken out of autopay in XXXX ). So at the very least I don't understand why my payment for XX/XX/XXXX was removed since there's no way my account could have been placed in forbearance at that time if autopay was still active. My initial reconsideration request was submitted in XXXX OF XXXX. The standard processing time is supposed to be 45 business days and it's been nearly 8 months.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
On or around XX/XX/year>, I obtained a small loan of approximately {$350.00} through Credit Ninja. At the time of the transaction, I was a first-time borrower and relied on the company to clearly present the terms of the loan. After entering into the agreement, I later discovered that a XXXX XXXX XXXX ( XXXX ) fee of approximately {$500.00} had been added. This fee was not clearly or prominently disclosed in a way that I could reasonably understand at the time of signing. Instead, it was buried within dense contract language and not presented in a straightforward or transparent manner. As a result, the total cost of the loan far exceeds the amount borrowed, which caused me significant financial harm. I would not have agreed to these terms had the full cost and structure of the loan been clearly explained upfront. I have made consistent, on-time payments and am close to paying off the loan. However, I believe the way this fee was disclosed is misleading and does not align with fair or transparent lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank Had Me Get Cash To Open A Secured Credit Card For XXXX $ Then Closed The Account The Next Day. Some How Detected Fraud. Then When Asked How To Get My Money I Was Transfer To 4 Different Department And No One Knew What Was Going On. I Even Called The Man Who Opened My Account XXXX XXXX At The XXXX Tx Location And He As Well Has Been Giving Me The Run Around And Now The Bank Wont Even Answer The Phone ( Caller ID ). I Just Want My Money, I Even Have The Letter From Truist Telling Me Come To The Branch And Pick Up My Money Or They Will End Up Mailing Me A Check. Customer Service And The Branch Is Saying The Account Has A Hold Nobody Has Ever Seen. After Looking Online This Is A Fraud / Scam They Do Frequently And Some People Do Not Ever Get Their money. I Even Have Voice Records

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I am submitting this as an update to my existing complaint regarding Bridgecrest. Since my initial filing, the company has issued a written response ( dated XX/XX/year> ) that introduces new claims but continues to fail to provide any supporting documentation or resolve the underlying issues. In their response, Bridgecrest now asserts that they had a contractual right to recover collateral because the vehicle was labeled as abandoned. However, they have not identified a single provision in my contract that authorizes this action, nor have they provided any documentation to support the claim that the vehicle was legally classified as abandoned. Specifically, Bridgecrest has failed to provide : - The identity of the entity that allegedly designated the vehicle as abandoned- The legal or statutory basis for such a designation - The date of that determination - Any notice provided to me, as required under applicable law Additionally, Bridgecrest continues to mischaracterize the situation by referencing a reinstatement of the account, despite the fact that I was not in default due to nonpayment. At the time of these events, my vehicle had been stolen and was located in an impound facility. I was actively working with my insurance provider to assess the damage and determine next steps. I did not abandon the vehicle, nor did I authorize Bridgecrest to take possession of it. Bridgecrest also claims that a sales hold was placed to allow time for my insurance company to inspect the vehicle. This statement is directly contradicted by my insurer, who has confirmed that : - They have not been contacted by Bridgecrest, and- They were never informed of any sales hold to facilitate inspection This raises serious concerns that Bridgecrest has interfered with and potentially obstructed the insurance claims process, while misrepresenting their actions in written correspondence. To date, Bridgecrest has also failed to address my requested resolutions, including : - Release of the vehicle to my insurance company - Termination of my contractual obligations given their actions - Cessation of any further payments or interest accrual - Assurance that there will be no negative credit reporting related to this matter - Full written documentation substantiating their authority and actions Despite multiple requests, the company continues to rely on unsupported assertions rather than providing verifiable documentation.

Company response to consumer: Closed with explanation