vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
The mortgage company is showing a late payment from back in XX/XX/XXXX XXXX and this is not accurate. Its hurting my score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a consumer checking account and a credit card account with Citibank. 

Shortly after opening the accounts, and within minutes of initiating funding transfers to the checking account, I decided not to proceed with establishing a banking relationship. I immediately began contacting Citibank to cancel the accounts, including the credit card. 

Despite multiple phone calls and written notice demanding immediate closure, Citibank has refused to close the credit card account. 

The account remains open against my express instructions. I have requested confirmation that the credit card would be closed with no balance, no interest, no fees, and no adverse credit reporting. I have not received written confirmation of closure. 

I am concerned that leaving the credit card open after I demanded closure exposes me to potential : Unwanted account activity Interest or fees Reporting to credit bureaus Future disputes regarding an account I did not intend to maintain I acted immediately and in good faith to cancel the account. The company has failed to honor my request. 

Consumers should not have to escalate to regulators to close a newly opened credit card that they promptly canceled. 

I am filing this complaint because Citibank is refusing to close a credit card account after clear and repeated requests.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I paid USD XXXX via PayPal Goods & Services for digital partnership services that were never delivered. No services, work product, access, or deliverables were ever provided despite full payment. 

The individual communicating with me presented as a male via XXXX, while the PayPal account receiving the funds was registered to a female name. This identity discrepancy raised fraud concerns. I promptly opened a PayPal Buyer Protection dispute for non-delivery. 

PayPal denied the claim and later closed the case. However, PayPal did not provide a clear written explanation of the investigation findings, the specific policy provision relied upon, or documentation showing that the service was delivered. I formally requested clarification regarding : The documented investigation basis for denial Whether a XXXX  chargeback was initiated or received The official chargeback reference number and status Confirmation of PayPals cooperation with my issuing bank PayPal did not provide this information. 

This complaint raises new compliance and procedural concerns that were not addressed in my prior CFPB submission. The prior complaint focused primarily on denial of Buyer Protection. This submission concerns lack of chargeback transparency, failure to confirm XXXX dispute processing, and potential obstruction or delay of chargeback rights following cross-border escalation. 

Since the prior CFPB complaint : A formal police report has been filed in XXXX A formal police report has been filed in the XXXX My issuing bank ( XXXX XXXX ) initiated dispute proceedings A regulatory case has been opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally requested confirmation whether a XXXX  chargeback was properly initiated and processed To date, neither PayPal nor my issuing bank has provided clear written confirmation regarding whether a chargeback was properly transmitted under XXXX  rules or whether procedural delays affected chargeback timelines. 

There are serious concerns that the dispute process may have been handled in a manner that lacked transparency and potentially prejudiced my chargeback rights. This matter now involves cross-border elements, regulatory oversight, and documented law enforcement reports. 

I am requesting regulatory review of PayPals dispute handling practices in this case, specifically regarding denial transparency, investigation standards, and chargeback process clarity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX I called Chase customer service to ask for information on a XXXX transaction. I was connected to a customer representative named XXXX, I explained that I was going to purchase a guitar through XXXX and that I was wary that if the transaction were to be fraudulent, I would not get my money back through Chase/XXXX. XXXX, assured me over this voice-recorded call that I would have no issue being able to dispute this transaction if it were, to be in fact, a scam, but after this call with Chase 's customer service on XX/XX/year>, I was led to believe and given financial advice by Chase that I would have some sort of protection on their end in this transaction. So on XX/XX/year>, I sent {$300.00} dollars to the person whom I thought I would meet to purchase this guitar. It turned out to be a scam, and I was ghosted by the fake seller with the guitar, unfortunately, but I was confident that I would not lose this money and treat it as a simple waste of time. I called Chase back the following day and have days since spent hours talking to multiple representatives and supervisors trying to remedy this situation. How could Chase provide me with financial advice and lead me to believe I would be covered here and then not take any sort of financial responsibility for this event? fortunately Chase and their supervisors have taken responsibility for the misinformation that the initial Call representative had given me by filing a complaint and telling me that he will be trained on this matter, but that doesn't solve my problem. Chase verbally gave me information that led me to believe their services would cover my transaction, when in fact they do not, as described to me by their upper management. If XXXX had not told me to go ahead with the transaction, I would have refused to use this service with the " seller '' and used XXXX, which does cover instances such as this. Being unfamiliar with zelle I went above and beyond as the customer to seek verbal information on this specific transaction and was led astray. I am being totally neglected as a longtime Chase customer. I've always called when ive needed assistance. All I wanted was my {$300.00} dollars back as originally promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I am writing again regarding a {$1000.00} charge on XX/XX/year> on my Apple Card account that I did not authorize. 

As soon as I noticed the transaction, I reported my card as compromised. I also contacted the merchant directly they stated they would look into it, but I never received any follow-up or resolution. In addition, I filed a police report regarding the fraudulent activity. 

I have now disputed this charge four times, and each time the decision has not been in my favor. This transaction was not made or authorized by me, and I have taken every appropriate step to report and document the fraud. 

I am requesting a thorough re-investigation of this matter. Please review all supporting documentation, including my police report. Let me know if you require anything further from me to resolve this issue. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding my credit card issuers handling of a billing dispute. 

On XX/XX/year>, I used my credit card to rent a vehicle from XXXXXXXX XXXX XXXX XXXX  at the XXXX ( XXXX ) location. At pickup, I specifically asked whether I could use my own toll transponder ( such as XXXX or another third-party option ). I was told by the rental counter agent that third-party toll transponders are not permitted on rental vehicles and that I was required to purchase XXXX XXXX toll program. 

I later confirmed that this information was incorrect. Florida toll authorities allow portable third-party toll transponders to be used in rental vehicles when the license plate is registered to the account. Had I been given accurate information, I would not have purchased the toll program or associated add-on charges. 

After the rental was completed, I disputed the toll program charges totaling approximately {$200.00} with my credit card issuer. I provided documentation, including written responses from XXXX XXXX XXXX acknowledging that the toll options may have been explained better at the counter. Despite this, my dispute was denied with the determination that the charge was authorized because I signed the rental agreement. 

My concern is that the investigation did not adequately consider that the charges were incurred based on misinformation provided at the point of sale, which was later acknowledged by the merchant. The fact that a contract was signed does not address whether consent was obtained after incorrect information was provided.

I am requesting a review of the dispute investigation process and reconsideration of the denial, as I believe the relevant documentation and context were not fully evaluated.

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 2026-02-20 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Dear Wells Fargo Dispute Team, I am submitting this complaint to formally reopen the dispute regarding the {$2000.00} transaction related to XXXX XXXX XXXX XXXX, which occurred on XX/XX/year>. I want to clarify several important points regarding the handling of this matter : 1. I initially submitted this dispute on XX/XX/year>, well within the 60-day window required for disputing electronic fund transfers under Regulation E. At that time, I provided substantial documentation, including proof of payment, screenshots of communications, and other supporting evidence. 
2. Despite my good-faith submission, I was never directly contacted by Wells Fargo to request any additional information or documentation. My phone number was on file, and I had indicated it as my preferred method of contact, yet no calls were made. Any emails that may have been sent could have gone to my spam folder. 
3. The dispute was closed within the 60-day window, and I subsequently reopened it. Wells Fargo is now claiming that I am outside the allowable timeframe for dispute resolution. This is inaccurate and unjust, as my original submission and follow-ups occurred within the proper window, and I was never properly notified to provide supplemental documentation.

4. I am requesting a full and thorough review of this dispute, taking into account all information previously submitted and my documented efforts to comply with any requests.

I expect Wells Fargo to consider the mishandling of notifications and communication in this case and reopen the investigation in accordance with Regulation E and consumer protection policies. 

Please confirm receipt of this complaint and provide the next steps for review. 

Sincerely, 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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
So today I woke up and checked my cashapp to see I'm negative triple digits out of nowhere cause " my bank authorized it ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
have asked why i am unable to get an account from any bank because of whatever reason. I can not get an answer or an account. 
all i need is a checking account. I have tried every bank in the city.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Credit Corporation
State: DC

Complaint narrative:
Dates started in XXXX, XXXX. The company never sent me written notice or email stating I owed debt. The first notice I got was over text from the collectors. I had to pay XXXX as a first time forgiveness. I think its illegal to make me pay an also sent this debt to a collector with any notice. 

The company that sent the debt is -XXXX  XXXX XXXX Debt collector - nationwide credit corps

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I became XXXX having XXXX  XXXX XXXX  XXXX XXXX Late XXXX. I informed Westlake of this not knowing that There was a XXXX insurance clause in it. Instead of the agents offering this per my contract ; they ballooned and deferred my payments, added interest and then are trying to repossess my car. Agents are not trying to help. I notified them on XX/XX/XXXX of this. I have gotten nothing but treated wrongly by the customer service agents there. I have reached out to the exec team with no resolve and was forced to file bankruptcy to protect my assets. This has been stressful and not good for my illness. May I Add Westlake has numerous lawsuit regarding breach of contract and a plethora of negative reviews and such. Westlake, I have paid for 4 years and have XXXX in equity in this vehicle and need my car. I was XXXX and the agents never told me about the insurance forms. The only way I knew is because I was uploading the contract in case of repossession. Attached is everything to substantiate my claim, including proof of XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received multiple calls from a number impersonating Ally Bank fraud prevention. The caller stated there was a fraudulent charge on my debit card and instructed me to provide my PIN to close the card. Believing this to be legitimate fraud outreach, I complied. 

Later that same day, two unauthorized transactions totaling about {$1100.00} were made using my debit card. I did not authorize these purchases and was not present at the merchant location. 

On XX/XX/XXXX, after discovering the charges, I immediately contacted Ally through the official phone number in the app. Ally confirmed employees would never request a PIN, closed my card, issued a new one, and I formally disputed the transactions. 

In XX/XX/XXXX, Ally denied the dispute and withdrew the funds. I requested investigation details, but Ally has provided conflicting information about whether the transactions were online or in-person and has not provided evidence supporting the denial. I have been told to contact the merchant directly despite this being a fraud liability issue. 

I reported the unauthorized transfers promptly after discovery and did not benefit from them. I am requesting a full reinvestigation, documentation of the evidence relied upon, and reimbursement of the unauthorized withdrawals.

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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am filing a complaint regarding my XXXX XXXXXXXX XXXX XXXX issued by Bread Financial/Comenity Bank . 

My balance in XX/XX/XXXX was approximately {$910.00}. I have not used the card since XXXX and have historically maintained an excellent payment record with no prior missed payments. 

Recently, I am being charged a {$41.00} late fee when my payment is made on the due date after XXXX XXXX I was informed there is no grace period on the due date. 

However, my credit card statement indicates that I may be charged a late fee, rather than stating that I will be charged a late fee. This language suggests discretion, yet the fee was applied automatically without flexibility or consideration. The disclosure language appears inconsistent with the automatic application of the fee and may be misleading to consumers.

Since that time, interest charges and additional late fees have been added monthly, increasing my balance to nearly {$1200.00}, despite no new purchases.

I contacted customer service to request a goodwill adjustment or fee reversal but was told they were unwilling to provide any credits because the account was closed.

I believe the late fee disclosure language, fee assessment practices, and refusal to consider reasonable adjustments have resulted in excessive and compounding charges.

Requested Resolution : Review and reversal of inappropriate late fees Adjustment of accrued interest related to those fees Fair resolution of the account balance

Company response to consumer: Closed with explanation