vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit 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: CA

Complaint narrative:
Purchased Computer graphics card for {$1800.00} at bestbuy.com using citi bestbuy card on XX/XX/XXXX. Received Package on XX/XX/XXXX. Upon collecting package I noticed the shipping label showed the item was shipped from a " returns center ''. that seemed odd to me since I purchased a new item and not a used or refurbished one. once I opened the shipping box I noticed the product box inside had one the seals that looked to have been tampered with so I took pictures, when I opened the product box there was a graphics card that was not what I ordered and under that were bags filled with pebbles. I called best buy and the representative I spoke with had me ship the package back to them. I then received the package back several days and on XX/XX/XXXX I received an email from XXXX saying they have concluded their investigation and will not be providing a refund or replacement. I emailed back asking how they reached this decision but I never Received that information. On XX/XX/XXXX I filed a Dispute with Citi for the {$1800.00}, On XX/XX/XXXX I received a letter from Citi saying they are denying my dispute because " merchandise was provided as intended '' even though it was not. On XXXX I sent a formal appeal letter to Citi with Emails and photos of package I received and asked for information as to how the denial decision was reached since the investigation appeared to have relied solely on information from Best Buy, which did not adequately address the tampering or mismatch. The denial reasoning does not refute the evidence of substitution or damage in transit/prior handling. On XX/XX/XXXX I received another letter from Citi denying my dispute once again but this time because they " unable to identify or determine that a billing error occurred. '' Now citi is directing back to best buy even despite my prior attempts to fix the issue with best buy.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
This complaint concerns debt collection activity related to a credit card account that I dispute due to identity theft and ongoing mail theft issues affecting my financial accounts. Suttell & Hammer has contacted me regarding an alleged credit card debt originally associated with XXXX XXXX Bank in the amount of {$10000.00}. I dispute the validity of this balance. The activity on the account occurred during a period of ongoing mail theft affecting my neighborhood and my personal mail. Mail theft and mailbox tampering have been occurring in my area for several years, and I have reported these incidents and provided evidence of open and tampered mailboxes. I have cooperated with investigators regarding these incidents and have been identified as a witness in the investigation. Because the account activity occurred during a period of documented mail theft and identity theft concerns affecting my mail and financial accounts, I can not verify the accuracy or validity of the balance being claimed and therefore dispute the balance as a whole. I have filed an identity theft report with the Federal Trade Commission and a police report with my local law enforcement agency regarding the identity theft and mail theft incidents. My credit file currently contains a seven-year extended fraud alert due to identity theft. Despite the existence of this dispute and the identity theft documentation, Suttell & Hammer has continued to pursue collection activity regarding this account.

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 2026-03-06 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:
On XX/XX/year> I withdrew XXXX XXXX from my chase savings account to my Marcus Goldman Sachs savings account. As of XX/XX/XXXX, my funds are not available in either my Marcus account or my XXXX account. Neither bank was able to resolve my issue and now I dont have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a small business customer of XXXX Bank and use a BMO business credit card to pay most of my suppliers, vendors, and utilities. When I make a payment from my BMO business checking account to my BMO business credit card, XXXX withdraws the funds from my checking account immediately, but does not apply the payment to my credit card balance for 710 days. In my most recent call, XXXX customer service informed me that they will not clear my payment until the next billing cycle, which is XXXX month away, even though they already took the money from my account. This practice severely harms my small business by restricting my available credit, delaying vendor payments, and forcing me to hold unnecessary cash reserves. XXXX does not pay any interest while holding my funds. This appears to violate XXXX XXXX. XXXX ( a ), which requires credit card issuers to credit payments on the date they are received. I have contacted XXXX multiple times and customer service says they can not fix the issue and have no escalation path. I am requesting CFPB intervention to require BMO to : Credit payments on the date they are received Stop holding business funds for weeks or until the next billing cycle Stop advertising smallbusinessfriendly services while engaging in practices that harm small businesses I am asking the CFPB to review this matter and require BMO to follow lawful and ethical paymentcrediting 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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mobiloans, LLC
State: CA

Complaint narrative:
CFPB, I previously submitted a complaint against Mobiloans through the Consumer Financial Protection Bureau complaint portal. The company was given the standard timeframe to review the complaint and provide a response through the CFPB system. However, no response was provided through the portal, and my concerns remain unresolved. The CFPB complaint system exists so that consumers can raise issues and receive a documented response from financial companies. When a complaint is forwarded to a company through the CFPB portal, it is expected that the company will review the matter and provide a response within the allotted period. In this case, Mobiloans has not submitted a response through the CFPB system regarding my complaint. Because of this, I am requesting that the CFPB review the situation and require the company to address the complaint and provide a formal response through the portal.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
XX/XX/year> - notified via text by M & T Bank of a fraudulent charge on my debit card. The charge was for {$3200.00} to XXXX XXXX. I disputed via the text notification as well as contacted a live agent at M & T. My account has been frozen until a replacement card arrives. The charge is being disputed and is under review. I will also be filing a police report with my local police department on Saturday XX/XX/year>.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I was threatened with a lawsuit, negative credit reporting. I sent a validation letter to validate if they owned the account or are the original creditor. They only sent me copies of an old bill that was written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by TrueAccord Inc. on my consumer credit report. The account is listed as a collection allegedly originating from XXXX with a balance of approximately {$390.00}. TrueAccord Inc. is a third-party debt collection agency and not the original creditor. Because of this, I requested validation of the alleged debt and documentation showing that TrueAccord has the legal authority to collect and report this account. Specifically, I requested the following documentation : documentation identifying the original XXXX account number a copy of any agreement or contract associated with the alleged account an itemized statement showing how the balance was calculated documentation proving TrueAccord has the legal authority to collect or report this debt documentation showing that the information being reported to consumer reporting agencies is accurate and complete To date, this documentation has not been provided. Despite the lack of validation, TrueAccord continues to report this collection account to consumer reporting agencies. Reporting a debt without providing documentation verifying the accuracy and ownership of the debt raises concerns regarding compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that TrueAccord Inc. provide proper validation of this alleged debt or immediately remove the account from all consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I opened a Navy Federal account when I was in the XXXX. At some point, while I was in the XXXX, my identity was stolen. I was under the impression that my Navy Federal account was closed due to an overdraft and insufficient funds. Eventually, it was charged off. Years later, my wife built a relationship with Navy Federal, and we have a joint credit card, and she was considering a HELOC. I wanted to repair my relationshipp, so I contacted customer service and was told that my old account had been charged, off and that I needed to pay roughly {$270.00} to reopen a new account. I immediately did that on the next payday, but could not open an account. I was confused. I called, and they said they could not tell me anything. I went to the branch, and they told me to call. It became a never-ending back-and-forth about getting in touch with the security department, which we can't actually talk to. I was finally given an appeal form and told to fill it out, explain that I paid my debt, and open a new account. Finally, it seemed simple, but my appeal was denied. It was only then that I learned about the bad check. I was mad because why wasn't this all explained to me when I inquired about opening an account?? I wasledd to believe it was a simple payment or charge-off. I have submitted XXXX appeals, some with affidavits and police reports, but all I get is denied, no real reason, as it has been over XXXX years, and I was on XXXX XXXX when this incident occurred. Just nothing. It sucks, and I deserve answers or a fresh start.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The problem is that, a little over seven months ago, I worked for a company and received a check for {$1300.00}, which I deposited into my Chase Bank debit account. As it turns out, today the bankciting alleged fraudwithdrew the funds I had earned through my work on XX/XX/year>, claiming that the check had been deposited twice. However, Chase Bank actually possesses proof that the check was deposited into my account only once. Yet, I am the one facing the withdrawal of funds due to this alleged fraudsomething with which I have absolutely no connection. It is unjust that Chase Bank is seizing money I earned through honest work simply because * they * allegedly made the error of paying out the same check twice ; this mistake is causing me financial hardship, as I am in need of those funds, and I neither performed the second deposit nor have any control over any other individual who may have attempted to cash the check and commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I filled ( XXXX ) disputes for unauthorized charges on my Credit Karma Money XXXX checking account. The first day they rejected XXXX of the claims. They said I authorized the charges and that I acknowledged them through my device id. I knew with 100 % certainty that was incorrect and could easily prove otherwise. I sent XXXX an email with my device ID and phone type. I sent a police report along with it. They said they were doing an appeal multiple times with the new evidence but the disputes remained closed and they would never send confirmation of the appeal nor the reason for denial of the appeal, if it happened at all. I called XXXX today ( XX/XX/year> ) and the representative told me they would do ANOTHER appeal ( In my opinion they never did it in the first place ) and XXXX tired of it I need my money. This would me the XXXX appeal not counting the initial dispute. XX/XX/XXXX ( XXXX ) out of the ( XXXX ) disputes were approved. They decided to cancel my cards, wouldnt issue me another virtual card, and refused to tell me when a new physical card would be shipped. I had to make another bank account and transfer the funds out. Now my account is completely frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Re : Account Ending * * * * XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Reported : {$560.00} Because your office has already represented to the Consumer Financial Protection Bureau that the account was closed and deletion was requested, any continued reporting of this account may constitute knowing furnishing of inaccurate information under 15 U.S.C. 1681s-2 and materially misleading collection activity under 15 U.S.C. 1692e. I am writing regarding the above-referenced account currently being reported by your company to consumer reporting agencies. This account was previously disputed and escalated through the Consumer Financial Protection Bureau ( CFPB ). In your written response to the CFPB dated XX/XX/year>, your office stated that the account had been closed and that the credit reporting agencies had been instructed to delete the account. However, I have since obtained updated credit reports showing that Credit Collection Services continues to report this account as an active collection account with a balance due on XXXX, XXXX and XXXX. The information currently being reported is therefore inconsistent with your own representation to a federal regulatory agency and constitutes inaccurate reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), furnishers of credit information have a duty to report information accurately and to correct information that is incomplete or misleading. Because your company has already represented that the account was closed and deletion was requested, continued reporting of this account is inaccurate. Accordingly, I request that Credit Collection Services immediately : Confirm that instructions have been sent to all consumer reporting agencies to delete this tradeline ; and Cease reporting this account to any consumer reporting agency. If this account continues to be reported after this notice, I will pursue further remedies including filing additional complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state regulatory authorities. Please provide written confirmation once this account has been removed from my credit file. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Paying XX/XX/year> may be the date I'm not sure because I have health problems, then the uses that were not made by me were real, I realized it months later because I had an accident at that moment I wasn't in a position to check them due to my health problems, then I realized that my English was a little bad, but I was trying to explain the problem as much as I could, maybe I said it wrong, maybe I confused it, but I tried to express myself because I'm a victim.I 'm currently writing to you about this from translation ; this automatic minimum payment was made from my bank account, and I realized it very lateI even had to make the minimum payment myself to avoid affecting my credit score. Despite all this, the bank did not refund this money to me. Why did I have to pay someone else 's expenses every month and end up in debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
Im in disagreement with the account listed below which appears on my credit report. I would like a full investigation. THE CBE GROUP INC-XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX In accordance with fair Credits Reporting Act, Public law 91-506, Tile VI, Section 611, please provide the name and business address of each individual with whom you verified above so that I may follow up. Please send me an update copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account is being reported as derogatory on my credit report despite the fact that it has not been properly validated. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies and data furnishers are required to follow reasonable procedures to ensure the maximum possible accuracy of information reported on a consumer 's credit file. Additionally, under 15 U.S.C. 1681i, a reasonable investigation must be conducted when a consumer disputes the accuracy of information on their credit report. I have disputed this account because : The alleged debt has not been validated. No documentation has been provided proving that I entered into a contractual obligation for this debt. No documentation has been provided showing that the reporting entity has legal authority or assignment rights to collect this alleged debt. The balance and account history being reported can not be verified as accurate and complete. Despite these concerns, the account continues to be reported on my credit file. If the company can not provide competent documentary evidence demonstrating the existence of a valid contractual obligation, proof of assignment, and the accuracy of the balance being reported, then the continued reporting of this account violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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 XXXX account was permanently deactivated after receiving a legitimate payment from a friend for painting their house. This was a normal personal payment between individuals and did not involve prohibited activity. XXXX has refused to explain the alleged violation and stated they can not disclose their decision criteria. They are also holding my funds for up to XXXX days. I believe this action was taken in error and I am requesting a manual review of my account and the release of my funds.

Company response to consumer: Closed with explanation