vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank is scamming me. They've been using my card for their own benefit, making unauthorized charges and blocking and unblocking it without my permission. They're scammers. Listen to the calls ; they hang up on me when I call. SCAM

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
XXXX XXXX : Citibank , N.A . Issue : Opening, closing, or managing an account / Problem with a closed account Description of Incident My wife and I attempted to deposit a state income tax refund check in the amount of {$800.00} into my Citibank account via mobile deposit. The following day, Citibank flagged the deposit as fraudulent, informed us they were closing the account immediately, and stated they would not honor the check. Because Citibank explicitly stated the account was being closed and the check was rejected/flagged, we sought to cash the check elsewhere. A local bank branch cashed the check for us. However, several days later, that local bank informed us the check had " bounced '' because it had already been paidmeaning Citibank actually processed and kept the funds despite telling me the account was closed for fraud. Currently, Citibank is holding our {$800.00} state refund in a closed account that I can not access. I have made multiple attempts to resolve this with customer service, but they refuse to escalate the call to a manager or provide a timeline for the return of our funds. Because Citibank claimed the check was fraudulent but then collected the funds anyway, they have caused a secondary financial crisis with our local bank. Desired Resolution I am requesting that Citibank immediately release the $ XXXXwhich they confirmed was " fraudulent '' yet successfully collected from the statevia a cashiers check sent to our address on file so that we can reimburse the local institution. I also request a formal explanation as to why the funds were seized after the account was designated for closure.

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 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Subject : Improper Force-Placed Insurance, Billing Error, and Credit Reporting Impact I XXXX XXXX XXXX , am filing this complaint regarding a serious error on my mortgage account involving improper insurance charges, a significant increase in my monthly payment, and resulting credit impact. My monthly mortgage payment was approximately {$5800.00}, which was unexpectedly increased to approximately {$7400.00}. I was informed that this increase was due to a lack of proof of homeowners insurance. This claim was incorrect. I had already paid my homeowners insurance in full, and I provided proof of coverage to the mortgage servicer. After reviewing the documentation, the company acknowledged that this was an error on their part. Despite this, the account was improperly adjusted, and I was charged as if I did not have insurance. This resulted in : Improper charges added to my account A significant and unjustified increase in my monthly payment Financial stress and confusion Negative impact to my credit profile ( credit score dropped from the high XXXX to approximately XXXX ) This situation should not have occurred, as valid proof of insurance was already in place. What I Am Requesting : Immediate correction of all account errors, including removal of all improper insurance-related charges Full refund of any overpayments or duplicate charges Complete correction of any negative credit reporting, with written confirmation that my credit will be restored A detailed explanation of how this error occurred and what steps are being taken to prevent this from happening again A fair resolution that reflects the financial and credit impact this situation has caused

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
Ive been sent to a debt collections agency, Aldous and Associates for an alleged unpaid debt from XXXX XXXX. When I called XXXX XXXX, the amount they said was owed did not align with the amount being owed by this debt collection agency. As a result, this created a negative remark on my credit report, for a debt that isnt mine and has wrong and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Barclays Bank Delaware regarding my JetBlue XXXX Card account ending in XXXX. I have been unlawfully locked out of my account since I legally changed my last name, and Barclays has created an unresolvable circular barrier to restoring my access. In XX/XX/year>, Barclays ' XXXX of the XXXX ( representative : XXXX ) confirmed in writing that all required identity documentation had been received and reviewed. The sole remaining requirement was an outbound call to a " verified '' phone number on file. However, the phone number Barclays has on file is an old number I no longer have access to a direct consequence of my name change process. I have attempted to reach their Rapid Detections team at XXXX and was unsuccessful. Barclays has created a situation where the only way to restore account access requires verification through a number I can not access, with no alternative process offered. This has resulted in the following ongoing violations : 1. Barclays is sending monthly statements only to an online portal I am locked out of. I have no meaningful access to my billing statements, which may constitute a violation of the Fair Credit Billing Act ( FCBA ), which requires creditors to provide accessible billing statements. 2. Despite my inability to access statements and knowing my accurate balance, Barclays continues to report this account as delinquent to the credit bureaus. Their own XX/XX/year> letter confirms they refused to remove the delinquency reporting, stating it would be " inaccurate '' while simultaneously refusing to give me access to my account. 3. I have submitted identity verification documents more than six times via certified mail and fax. I have documentation of these submissions. 4. A Barclays executive representative named XXXX ( XXXX of the XXXX ) marked my case as resolved in correspondence dated XX/XX/year> and XX/XX/year>, despite the underlying problem remaining entirely unresolved. I am requesting the CFPB require Barclays to : ( 1 ) immediately restore my account access using updated contact information, ( 2 ) provide a complete statement history, ( 3 ) halt delinquency reporting while this dispute is active, and ( 4 ) remove delinquencies that accrued during the period I was locked out of my account through no fault of my own. I have preserved all documentation including certified mail tracking numbers, fax confirmations, and Barclays ' written correspondence, and am prepared to provide these upon request. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I was sent a verified stop payment order by MoneyLion via email, against XXXX. Accordingly, I was issued a new debit card by MoneyLion. I was also reassured, that XXXX would not be able to withdraw any more funds, from my MoneyLion account. On XX/XX/year>, I received an alert that {$79.00} was withdrawn from my MoneyLion account, by XXXX. I immediately contacted customer service, and informed them of the issue. The first agent I spoke to, opened my account and confirmed, that there was a stop payment order in place against XXXX And she would retrieve a supervisor immediately. I was told that therere supervisor was currently in another call, and that he would contact me within an hour. That hour came and went, thus I called MoneyLion to see why the hold up was. The next agent placed me on hold, and about a half hour later said the supervisor was on the line. The supervisor identified himself as XXXX, and proceeded to tell me, that there was an active stop payment order, and XXXX shouldnt have been allowed to charge my account. But that they were able to withdraw money from my account, by using a different Merchant ID entitled XXXX. Now that befuddled me, because all they had to do, was put some numbers at the end of their company name And they were able to breach a MoneyLion stop payment order, to access my account. XXXX then proceeded to say, that he would submit another stop payment order, to combat this XXXX. This gives me little comfort, and seems like a bad joke, how MoneyLion bank security allowed XXXX to access my account, by simply adding numbers to the end of their name. And on top of it all, XXXX gained access to to an account, that I NEVER gave them permission to use. They accessed my MoneyLion virtual account, that was never attached to their servers, while I held a subscription with them. They only had permission to use a card ending in XXXX, that was removed from my account When the stop payment order against them was issued. And if that werent bad enough, supervisor XXXX filled out the dispute wrong, by checking the wrong box, for my reason for the dispute. XXXX checked the box that said Ive never given permission for XXXX to charge my account. When in actuality, I told him to check the box that Ive previously given authorization for XXXX, to charge my account But I withdrew my authorization, before they attempted to charge my account again. Which I already explained to him, when I informed him of having to get a new debit card, as part of the process for stopping payment, on all future XXXX withdrawal attempts. By allowing this to happen, MoneyLion has violated the XXXX XXXX XXXX ( XXXX ) XXXX, as well as EFTA codes .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Cordoba Legal Group, PLLC.
State: NY

Complaint narrative:
I hired XXXX XXXX XXXX for creditrepair services and paid approximately {$250.00} per month for about 18 months ( around {$4500.00} total ). During this time, they did not provide meaningful updates, documentation, or evidence of work performed. My credit reports show almost no improvement, and one of the accounts I hired them to work on was never touched. Worse, Cordoba paid an old collection account without my authorization, which caused the debt to be reaged and appear new on my credit report. This action harmed my credit and restarted timelines that were close to expiring. I never approved this payment. After the service abruptly stopped, Cordoba sent me two checksone for {$300.00} and another for $ XXXXwith no explanation, no accounting, and no breakdown of what these partial refunds represent. I have paid far more than what they refunded, and they have not justified keeping the remaining money. I sent Cordoba a written request for a full accounting of all services performed, all fees charged, and an explanation of the refund amounts. It has been almost a month, and they have not responded at all. Cordobas response to my first CFPB complaint was vague and did not address the issues. They did not provide documentation, did not explain the refund amounts, did not address the unauthorized payment, and did not provide a breakdown of services. I am requesting CFPB assistance to obtain : 1. A full accounting of all services performed 2. Copies of all disputes or communications sent on my behalf 3. An explanation of how the refund amounts were calculated 4. A refund of all unearned fees 5. Correction of any unauthorized actions that harmed my credit Cordoba has taken XXXX of dollars without performing the services promised, acted without authorization, and failed to respond to my written request. I need help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I contacted Sentry Recovery on XX/XX/year> requesting validation of an alleged debt they are reporting. I asked them to provide documentation showing the original creditor, an itemized balance, and proof that they have the authority to collect this debt. As of today, it has been approximately 6 days and I have not received any response or documentation from Sentry Recovery. However, the account continues to be reported to the credit bureaus and the balance appears to be increasing. I am requesting that Sentry Recovery provide proper validation of this debt or remove the account from my credit report if they can not verify it.

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 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
law +6 As of XX/XX/year>, Alabama SB 270 ( codified as Ala. Code 36-12-44 ) requires public entities to acknowledge public records requests within 10 business days and provide a substantive response ( fulfilling or denying ) within 15 business days of acknowledgement. For " time-intensive '' requests ( >8 hours ), they must notify you within 15 business days navy federal had 4 months to prove this therefore I am requesting this debt to be removed from all credit report immediately

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Association Capital Resources, LLC
State: MD

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I paid off my XXXX XXXX XXXX XXXX in full. I received a Loan payoff confirmation email from MoneyLion on XX/XX/XXXX stating that I had paid off my XXXX XXXX XXXX and that my XXXX XXXX Account funds would be sent to my selected account. Despite this, MoneyLion/ML XXXX is still reporting this account as a chargeoff with an outstanding balance of {$270.00} and pastdue amount to the credit bureaus. This information is inaccurate and misleading. I have bank records and MoneyLions own payoff confirmation showing the loan was paid off on XX/XX/year> and the balance should be {$0.00}. On XX/XX/year>, I spoke with a MoneyLion representative named XXXX ( heavy XXXX accent ) at approximately XXXXXXXX XXXX I informed him that the reporting was false and that I had already disputed it. He told me that MoneyLion would continue to dispute the dispute with the credit reporting companies and would not correct the reporting until 45 days had passed. This is not a goodfaith investigation and it is not reasonable for MoneyLion to knowingly continue reporting a balance that has been paid in full. I am asking the CFPB to require MoneyLion/ML Enterprise to : ( 1 ) update the tradeline with all credit bureaus to show a {$0.00} balance and paid status as of XX/XX/year>, ( 2 ) remove any pastdue balance being reported after that date, and ( 3 ) provide me written confirmation of these corrections. I am also requesting that any continued reporting of a pastdue balance after XX/XX/year> be investigated as a violation of the FCRA for furnishing information they know or should know is inaccurate

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Wednesday XX/XX/XXXX, I contacted citi bank online chat in the afternoon about me not being able to see my checking and savings account, I waited for response, I left the chat and never was able to see the message, I immediately thought that the app was getting bugs fixed, so I waited until the morning, I still did not see my accounts, then I contacted chat again and they gave me a number to call, so I called a representative tried to verify phone number but did not see my updated number and told me I can call back, I contacted chat and the number was verified, so I called the number back and the lady verified my phone number with a text, then told me she was looking up my account without a name, or SSI number, she came back onto the phone and told me my account is closed, I said " why is my account closed '' she said your account is closed and I told you that you will receive a letter in 30 days and hung up on 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am submitting a complaint regarding my Cash App account, which was closed due to alleged gambling-related activity. The only transactions in question were small purchases of bingo and casino slot credits for casual personal use. I have completed all requested identity verification and submitted an appeal and re-appeal. Despite my cooperation, my account remains closed and I am unable to access basic account functions. I am requesting a formal review of this decision and clarification as to whether my account can be reinstated, or confirmation that I will be able to withdraw my remaining funds without issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Someone from Chase calling with intention to collect credit card debt under my husbands name. Phone number XXXX ( XXXX ) XXXX was verified from my phone carrier and showed up as Chase. They verified my husbands last 4 ssn but I did not recognize the card owing the amount that they provided. They even provided a home address which was not ours. Also informed us that the card was opened last XX/XX/. And the amount owed was around {$2600.00} from XXXX, which we also said we did not recognize. They, then transferred us to Chase fraud department, which asked to verify my husbands full ssn. That was when I stopped and said we would call back. We then called the number on the back of our chase card and was informed my husband did not have any cards owed or opened during that time. We just wanted to report it just incase it happens to others as well. This might be a data breach from XXXX XXXX XXXX because that is the only credit card that my husband currently possesses.

Company response to consumer: Closed with explanation