vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: KY

Complaint narrative:
I am filing a complaint regarding an inbound transfer that has been placed under an extended compliance review by Revolut with no resolution or timeline provided. 

In late XX/XX/XXXX, I closed my Revolut XXXX account after relocating to the United States and opened a Revolut U.S. account using valid U.S. identification. Before closing the XXXX account, funds totaling approximately XXXX were transferred from my Revolut XXXX account to my sisters XXXX bank account. 

In early XX/XX/XXXX, my sister sent these same funds to my Revolut U.SXXXX account. Revolut flagged the inbound transfer for review and requested transaction verification, which I provided promptly. I was initially informed via in-app chat that the review would take 2448 hours and that the funds would either be released or returned to the sender.

Despite providing all requested information and repeatedly following up, the funds have remained under review for almost a month. Revolut has not provided a clear decision, an estimated resolution timeline, or confirmation of whether the funds will be released or returned.

I submitted a formal complaint to Revolut. In their Final Response, Revolut acknowledged service delays, confirmed that my account remains restricted, and provided a goodwill credit of USD XXXX for inconvenience. However, they still declined to provide any timeline for resolution or clarity on the outcome of the review. 

After I requested clarification regarding the expected timeframe and next steps, Revolut stopped responding. As of today, the funds remain inaccessible, and I am seeking regulatory assistance to ensure resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Klarna AB
State: CA

Complaint narrative:
I am filing a formal complaint regarding Klarnas failure to properly investigate and resolve a billing dispute involving defective merchandise and an incorrect refund calculation by the merchant, XXXX. Purchase made on XX/XX/year>. 

I purchased a sale item from XXXX using Klarna. The item arrived defective. XXXX offered a 30 % partial refund to resolve the issue, which I accepted. However, after my acceptance, XXXX removed the original transaction amount ( the sale price I actually paid XXXX ) and recalculated the refund using a different pricing basis. As a result, I received no meaningful refund. This was not disclosed by XXXX, and then my total balance calculates to XXXX. 

This refund was not calculated against the amount charged to my Klarna account and does not reflect the agreed resolution. I did not authorize any change to the original transaction amount, removal of the sale price, or recalculation of the refund based on a price I never paid. 

I disputed this with Klarna, explaining that the merchant failed to honor the agreed refund terms and that the refund was calculated incorrectly. Despite this, Klarna declined the dispute without addressing the core issue : the refund was not applied to the amount actually charged, constituting a billing error and material alteration of the transaction after acceptance. 

By declining this dispute, Klarna effectively permitted the merchant to avoid issuing a refund by manipulating the transaction value after the fact. This undermines consumer payment protections and Klarnas obligation to fairly investigate billing errors and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I do not have the exact date but I believe the closing date of all 3 credit cards were done on XX/XX/year>. Those 3 credit cards are Care credit, Lowes and JC Penney all from Synchrony bank. Lowes current balance {$2600.00} with a total credit line of {$20000.00}. 
JC Penney current balance {$280.00} with a total credit line of {$10000.00}. Care credit current balance {$3200.00} with a total credit line of {$20000.00}. To me these accounts have been improperly closed with no prior notice and I have not received the sufficient information from synchrony to prove my account/credit report qualifies as a high risk failure to pay. My current credit score from Experian is XXXX with a 10 % credit usage along with Exceptional payment history, amount of debt, length of credit history, amount of new credit, and credit mix. I have never had a late payment, According to XXXX, a long track record of on-time payments is the strongest predictor of repayment.

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am submitting this complaint regarding Lendmark Financial Services for ongoing harassment and excessive debt-collection calls that are causing significant stress and disruption to my daily life. 
Lendmark Financial has been calling my personal cellphone more than seven times per day, often from different phone numbers and, at times, from different branch locations in other states. I have also received calls after the Georgia office is closed, which suggests attempts to bypass call-blocking or tracking. 
In addition, Lendmark has repeatedly called my place of employment, despite being clearly informed that personal debt-collection calls are not permitted at my workplace. I explicitly advised them of this, yet the calls have continued. 
I want to be clear that I do not refuse to repay this loan. I fully intend to do so. However, I am currently experiencing legitimate financial hardship, and instead of allowing reasonable time or offering constructive options, Lendmark has chosen to engage in persistent and aggressive calling behavior. 
The volume, frequency, and manner of these calls have become harassing and overwhelming, creating undue stress and making it difficult for me to function day-to-day. My phone rings constantly, including during work hours, which has affected both my mental well-being and my professional environment. 
I believe this conduct may violate federal consumer protection standards regarding harassment, excessive communication, and contacting a consumer at work after being instructed not to do so. 
I respectfully request that the CFPB review this matter and assist in stopping the harassment and ensuring Lendmark Financial complies with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new checking account with Citibank less than 30 days ago. My account currently holds approximately {$4000.00} of my personal funds. Citibank has blocked my account and is currently denying me access to my funds due to a failure in their internal identity verification systems. 

The primary basis of this complaint is a significant data integrity error by the bank. Citibank is attempting to verify my identity using a phone number that is not mine and has never been associated with my account. Despite the fact that I have a verified phone number on filewhich the bank has successfully used to verify me in the pastthe banks 'back-office ' system is pulling 'ghost ' data from an unknown third-party source and insisting I verify via a number I do not own. 

I have spent numerous hours on the phone with Citibanks Fraud and Account Protection departments. Because their automated system is pulling incorrect data, the agents claim they ' can not verify ' me to lift the block. The only solution offered is to wait 710 business days for a reference code to be sent via physical mail. 

Requiring a customer to wait two weeks to access {$4000.00} because of the bank 's own inability to manage accurate customer data is commercially unreasonable and a violation of the expected standard of care for a national depository institution. I have offered to provide government ID and utility bills via a secure portal or to visit a branch in person, but these immediate resolutions were denied.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank closed my checking account without providing a clear explanation. At the time the account was closed, there was an available balance of approximately {$3000.00}. 

Since the account was closed over one year ago, I have repeatedly contacted Citibank to request the release of my remaining funds and to ask for information about the status of my closed account. Despite multiple attempts, I have not received my funds or a clear response explaining why the balance has not been returned. 

I am requesting that Citibank release the remaining balance from my closed account and provide a written explanation for the delay in returning my funds.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In 2025, I began noticing multiple credit accounts and transactions listed under my name with XXXX that I did not open, authorize, or benefit from in any way. I have never applied for these accounts, provided consent for their creation, nor received any goods or services associated with them. 

These fraudulent accounts were discovered while reviewing my credit reports. Upon identifying them, I immediately recognized that my personal identifying information had been used without my knowledge or permission. 

I did not share my Social Security number, date of birth, or other sensitive personal information with any individual or entity that would have authorized these accounts. I have no personal or business relationship with the merchants tied to these transactions. 

The presence of these unauthorized XXXX accounts has caused financial harm, emotional distress, and damage to my credit profile. I am taking immediate action to report this identity theft, dispute the fraudulent accounts, and prevent further misuse of my identity. 

I respectfully request that all fraudulent accounts, inquiries, and associated balances be removed from my credit reports and that any investigation confirms these accounts were opened without my authorization. 

I affirm under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting furnished by Synchrony Bank. 

This account was managed and paid through a debt management program. The program administrator confirmed in writing that the program was completed and that all accounts were paid in full. Despite this confirmation, the administrator failed to finalize payment and close the account, leaving a residual balance of XXXX dollars. 

Because the account remained open with a nominal balance, Synchrony reported the account as late. This delinquency was not caused by consumer nonpayment. It was the direct and foreseeable result of third party servicing failure.

All three credit bureaus have confirmed that the account was Payment Managed by XXXX XXXX XXXX, yet the late payment remains based solely on furnisher verification rather than an evaluation of causation. 

Reporting a delinquency under these circumstances does not accurately reflect consumer payment behavior and resulted in a XXXX XXXX point credit score drop. 

I am requesting that Synchrony correct or remove the late payment and update all credit bureaus accordingly.

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 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am submitting this complaint regarding the timing and recency representation of a late payment on my credit report. 

I acknowledge that the late payment did occur ; however, the delinquency occurred approximately 23 months ago, not within the last 12 months. 

The creditor recently updated or re-reported the account, and as a result, automated underwriting systems are now interpreting this late payment as having occurred within the past 12 months. This interpretation does not accurately reflect the actual date of delinquency and is creating a misleading signal of recency. 

This reporting issue has caused material financial harm, including denial of financing. I have attached the loan company stating the reason for the denial is late mortgage payment the last 12 months. 

I am requesting that the creditor investigate and correct how the delinquency date and reporting timeline are being reflected, so that the late payment is not misclassified as recent when it is not. I am not disputing that the payment was late ; I am disputing the current representation of its recency and impact. 

I respectfully request correction, clarification, or suppression of misleading reporting that is causing ongoing financial harm.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I had a refund from XXXX XXXX on XX/XX/XXXX. Affirm did not refund my account but instead they are saying they sent a refund check. 

When I talked to customer service they said they sent a check on XX/XX/XXXX and Im getting an email that states it was sent on XX/XX/XXXX. 

No tracking information or anything. Ive asked for them to simply refund my account instead of sending a check, but they are refusing and saying the check is in the mail. 

I have not received anything. The refund was over 30 days ago. 

They seem to be doing this so I continue to pay interest on money that should have been refunded directly to the account in the first place. The amount is {$650.00} This is predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a Wells Fargo Alert text stating that a new device has logged into my online account. Do you recognize this activity? Reply yes or no. When I replied no I received a phone call from my number. I did not recognize so I ignored it. It called me back a second time and so I thought this might actually be legit. The person on the phone introduced themselves as XXXX from Wells Fargo. He went through the entire script that a normal Wells Fargo rep goes through identical. So I thought that I was speaking to somebody from Wells Fargo. He instructed me that since the scammers have access to my online account, I should remove the funds and place them in my XXXX XXXX. I thought this made sense because how could they access my XXXX XXXX? Unfortunately I was scammed. The person in my account made a cash advance payment from my credit card to my checking account of {$1900.00} plus the {$500.00} I already had in my checking account for {$2400.00} and sent {$2400.00} via XXXX XXXX. 


Wells Fargo denied my claim stating that it was my fault or that I had benefited from this.

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 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I received a letter from National Service Bureau, stating that I owed a debt to XXXX XXXX, and that I am at risk of having my license revoked and vehicle plate confiscated. 

I am very unfamiliar of legal verbiage, so when I called the number on the letter, I was led to believe that this company was a direct representative for XXXX XXXX. i was aggressively pushed into giving my debit card information, in fear of losing my drivers license. 

After speaking with trusted family members about this company and the aggressive phone call, I called back to speak with the agent again, with a family member on the line to help me ask questions and better understand what this letter for collections was. The agent was hostile, would not let us speak, refused to answer questions, such as " are you an entity of XXXX or are you a 3rd party debt collector? ", and hung up on us. now that i am aware of my rights, I do not give my permission for this company to debit any amount from my account, but the agent will not answer, return, or acknowledge my decision. 

I feel this company is in violation by misleading representation, making illegal threats such as revoking my license, and refusing to disclose who they are. Upon reading reviews on XXXX  it seems many people are encountering the same threats along with prohibited deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Re : Formal Complaint Unauthorized Communication and Incorrect Debt Attribution Reference No. : XXXX On XX/XX/2025, I submitted written correspondence disputing this account and clearly stating that the alleged debt does not belong to me. The debt was incurred by another individual who is not authorized on my account, and I have no legal or financial responsibility for it. 

Despite this, I received a response from your company offering payment terms and requesting enrollment in auto-draft, rather than addressing the dispute itself. This response is inappropriate and concerning, as it disregards my notice that I am not the debtor and continues collection efforts against the wrong party.

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 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a check into my savings account. The check got flagged, which led to account closure. The funds were taken from the issuers account but bank says I wont receive funds ever until check is verified. They wont return funds and wont give to me.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I received something on my credit today XX/XX/year> for XXXX from a collection agency for XXXX. Ive never used XXXX Ive only used XXXX XXXX  XXXX for the past 3 years. I am only XXXX so my first account made when i turned XXXX was to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On the night of XX/XX/year>, I purchased a round trip airline ticket through Capital One Travel. Capital One is my credit card company. The only reason I booked this flight through Capital One is because I had upwards of XXXX dollars in reward points that could be used towards booking. Through a clerical/technical error of some kind, the return flight was set a day earlier than intended. Unfortunate, but certainly not something I would fret about. That is until I contacted the airline ( XXXX XXXX ) and subsequently Capital One, and learned that my ticket was not only nonrefundable, but also non-modifiable. This was not at all made clear during any point of my booking experience through Capital One Travel. I only knew that the ticket I was receiving fell under " basic economy. '' They refuse to cooperate with me in any way in spite of the fact that I was essentially deceived by their advertising. I have already disputed the charge on the grounds listed above, and I'm filing this complaint in the event that they reject my appeal ( I suspect they will ). I am aware of the fact that Capital One has been penalized before on account of shady advertising practices. I sincerely hope your organization can help me reach a resolution. Otherwise, I am out of {$370.00}.

Company response to consumer: Closed with explanation