vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Pre-Opening : The promotional materials did not explicitly state that balance transfers were restricted solely to creditors or loans and excluded direct deposits to checking accounts. Initial Confirmation : Immediately after opening the account, I called customer service to verify the transfer process. I was explicitly told that while the first transfer must be to a lender/creditor, all subsequent transfers could be made to my personal checking account. Post-Card Activation : After receiving my physical card, I attempted to follow these instructions. When the option remained unavailable, I contacted support again. I was then told that checking account transfers are " not applicable to new account holders. '' I called the customer service multiple times and there was a supervisor named XXXX XXXX who i spoke to on XXXX XXXX XXXX around XXXX XXXXm who spoke very rudely to me and said there is no resolution to this and that we have not stated anywhere that direct deposits are excluded from balance transfer and that my offer just does not happen to offer that. I asked multiple times as to where was this stated and as to why i was misled they did not care to understand the issue. Multiple people have complained about the same issue and i need help in either closing my credit card without affecting my credit score or give me an exception of transfering balance as direct deposit because they have not mentioned it anywhere that its not available.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AR

Complaint narrative:
PayPal permanently deactivated my account without identifying the specific policy, activity, or reason code that triggered the closure. I repeatedly requested clarification, including : the exact policy or section of the Acceptable Use Policy allegedly violated the specific transaction or activity that triggered the deactivation a humanverified explanation a manual review by the Executive Account Review Team or Compliance PayPal declined to provide any of this information. I attempted to resolve the issue through PayPals internal support channels, including multiple chats with human agents. Each time, I was told that no reason could be provided and that the decision could not be reviewed, even though no specific violation was ever identified. I am requesting : 1. A humanverified explanation of the reason for the account closure 2. The specific policy or activity PayPal believes was violated 3. A manual review by PayPals Executive Escalations or Compliance team 4. Correction of the closure if it was made in error or triggered by an automated system I am fully willing to provide any documentation needed. I am simply requesting transparency and a proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Newport Intermediate Inc.
State: NC

Complaint narrative:
So my debit card was stolen Im not sure when because I use my phone for tap to pay but ik it was somewhere recently as well as my accounts were hacked and I had to keep changing my passcodes. But I called my bank company and disputed transactions after I have went thru all my accounts and receipts and made sure all the transactions that were unauthorized were noted down when I called the bank. I recorded the phone call as well because of past issue with this bank not doing disputes correctly or fairly. So I have the recording as well for proof. But I called went thru the tons of disputes from back to XXXX and they told me they would send me and email to give a written statement to the dispute department within 24 hrs. Well I have yet to receive the email to send the dispute and its been over 24 hrs now theyre saying my disputes were closed and non faulted like they made a decision without even taking my written and proof to show I didnt make these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
The vehicle was a lemon and I had been struggling to keep up with the repairs and the car note but couldnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
My Mortgage company PennyMac has charged me extra fees for legal counsel I did not approve of neither seen at any of my court dates they have been charging me for these services since XXXX for a total of almost XXXX and I have not requested an attorney and have been handling these legal matters on my own

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please permanently remove all Fraud Alerts on my credit report. I do not want it. Below are my details for your reference : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/year>XXXX To verify my identity and address, Im including a copy of my drivers license and a recent utility bill.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/year> there was a Zelle transfer for XXXX I need a refund bank didnt help. Zelle didnt help. Try to contact the person for my money didnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase using my Chase card through XXXX XXXX XXXX XXXX On XX/XX/year>, the merchant issued a refund, which was successfully processed and sent to my XXXX XXXX Device Account Number linked to my Chase card. The merchant has provided proof confirming the refund was completed. However, I have not received the funds in my account. I contacted Chase multiple times and spoke with several customer service representatives, including a supervisor. I provided proof of the refund and my Device Account Number. Despite this, Chase refused to open a claim or properly investigate the issue and repeatedly directed me to contact XXXX. I also contacted XXXX, and they confirmed that XXXX XXXX does not hold or manage funds. XXXX XXXX only tokenizes the card, and all refunds are routed to the issuing bank, which in this case is Chase. As of today, the funds are still missing. Chase has not taken appropriate action to trace or locate the refund, despite having all necessary information. I am requesting that Chase conduct a proper investigation, locate the missing funds, and credit my account accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint against Sequium Asset Solutions , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ). I sent a formal " Demand for Strict Validation '' via Certified Mail to Sequium Asset Solutions regarding an alleged XXXX debt of {$1600.00}. In that notice, I explicitly disputed the debt and invoked my rights under 15 U.S.C. 7001 ( E-SIGN Act ). I specifically demanded that Sequium provide a forensic Audit Trail to verify the origin of this alleged electronic account, including : The unique IP address and device hardware identifier used during the transaction. Timestamped logs of the " Consumer Consent '' disclosure and affirmative acceptance. It has been over XXXX days since Sequium received my dispute via certified mail. They have failed to provide any verification of the debt, yet the trade line remains on my XXXX XXXX XXXX XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I visited a Wells Fargo branch on XXXX XXXX XXXX to withdraw {$2000.00} from my account. During my visit, I experienced an unexpected delay and was treated as if there was an issue with my account. To verify my identity, I provided my bank card with PIN verification, a valid government-issued ID, and a XXXX XXXX passport . Despite fully verifying my identity, I was still delayed without a clear explanation. I asked the branch XXXX directly if there was any issue with my account or if it had been flagged. I was told clearly that my account was not flagged and that everything was fine. I also asked for the reason for the delay, and the XXXX stated that he was not given a reason and could not explain why the delay occurred. He even suggested that I report the situation due to the lack of explanation. However, in a later written response from Wells Fargo, I was informed that my transaction was flagged for a fraud review and required verification by Transaction Fraud Support before being approved. This directly contradicts what I was told in the branch. I am concerned about the lack of transparency and the inconsistent information provided to me during this experience. I fully cooperated and provided multiple forms of identification, yet I was still delayed without explanation and given inaccurate information at the time. I am requesting a clear explanation of what actually occurred, why the branch staff did not have accurate information, and confirmation that proper procedures were followed. I would also like to know what Wells Fargo will do to ensure customers are given accurate and transparent information in similar situations. Additionally, I would like this situation reviewed due to the inconvenience, stress, and lack of clear communication I experienced.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have repeatedly disputed this debt ( Ref : XXXX ) and requested the original signed contract and a specific Bill of Sale. Resurgent/LVNV refuses to provide these legal documents. Furthermore, I have sent a formal settlement offer for {$1500.00} via Certified Mail which the collector has completely ignored, choosing instead to send automated summary reports. I am a XXXX resident protected by the XXXX XXXX, and I demand that they either provide the specific legal validation requested or accept my settlement offer and delete the trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Issue : Failure to process XXXX interest rate reduction on credit card and inability to access account due to verification barriers I am an XXXX XXXX servicemember who submitted valid military orders to USAA Federal Bank on XX/XX/year> requesting application of protections under the Servicemembers Civil Relief Act ( SCRA ), specifically the 6 % interest rate cap on my credit card account. As of today, it has been over 30 days since I submitted my orders. Despite this, USAA has not processed my request, has not provided a status update, and continues to charge interest above the 6 % XXXX cap. I attempted to resolve this through the banks mobile app chat. I was instructed that I must call customer service. I then called the bank ; however, I was unable to complete account verification because the bank requires a one-time passcode to be sent to my phone number. I am currently XXXX in a location where my cellular service does not function, and I am only able to communicate over XXXX. As a result, I am unable to receive these verification codes and can not access support to resolve this issue. This creates an unreasonable barrier preventing me from exercising my rights under XXXX. Under XXXX, creditors are required to reduce interest rates on pre-service obligations to 6 % upon receipt of valid orders, and this reduction must be applied retroactively to the start date of XXXX XXXX service. Any interest charged above 6 % must be forgiven. I have made a good faith effort to provide all required documentation and to follow the banks procedures. The continued delay and inability to access assistance due to verification limitations is unreasonable. I am requesting the following : 1. Immediate application of the 6 % SCRA interest rate cap to my credit card account XXXX. Retroactive adjustment of the interest rate to my XXXX XXXX start date : XX/XX/year> XXXX. Refund or credit of any excess interest charged above 6 % since that date XXXX. A reasonable alternative method of identity verification that does not require cellular service XXXX. Written confirmation that SCRA protections have been properly applied If additional documentation is required, I request that the bank clearly communicate what is needed without further delay. This issue has been pending for over 30 days without resolution, and I am seeking prompt corrective action.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding my Bank of America XXXX credit card account ending in XXXX. I believe I was charged unfair fees and interest that should not have been applied. According to my XX/XX/XXXX statement, my account had a {$0.00} balance after a full payment was made. However, by my XX/XX/XXXX statement, my balance increased to {$320.00}, which includes a {$29.00} late payment fee and {$6.00} in finance charges, even though there were no new purchases or transactions during that billing period. I did not make any new charges, yet fees and interest were added, and the account shows a past due amount. This is confusing and appears to be incorrect or improperly applied. I was not clearly notified or do not understand how the account went from a XXXX balance to a past-due status with penalties. I am requesting that Bank of America : Provide a clear and detailed explanation of how these charges were calculated Review and remove any improper late fees and finance charges Correct my account balance if errors are found Ensure my credit reporting is not negatively impacted by these disputed charges I attempted to review my statements and resolve the issue, but the charges remain unexplained and unresolved.

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing Continues to withhold XXXX XXXX XXXX XXXX which is prohibiting us from completing recovery construction. They drag their feet on releasing funds, continually throw up new roadblocks in order to get funds and piece meals the process rather than streamlining. Their turnaround times are unacceptable and it is clear that they are simply trying to retain funds as long as they possibly can. This is an ongoing and repeated issue and the only way funds are ever released to us is if we file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I got this notice for a debt I never did business with nor had any transactions with. I am afraid someone is using my information and request this gets investigated as I am concerned my identity is being used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax , Experian XXXX Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax , Experian XXXX Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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