vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 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: CITIBANK, N.A.
State: DC

Complaint narrative:
In XX/XX/year>2026, I filed a dispute with my credit card for a {$2500.00} charge. Initially on XX/XX/scrub> 2026 the merchant was awarded the dispute. At that time, the {$2500.00} charge reappeared on my credit card. I filed a dispute and submitted more information. I was then given documentation that the dispute had been awarded in my favor. However, the dispute continually says the conditional credit that was applied to your account will remain. I have attempted to call multiple times stating that the conditional credit had been reversed on XX/XX/XXXX. Nobody is able to tell me when/if this charge will fall off and Im about have interest charges unless I pay it. I have multiple forms of documentation stating the dispute was awarded in my favor as well as proof the charge is still on my statement

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 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I'm a victim of scam Let 's explain I watched some entertaining videos on XXXX. An ads appears in the middle of the video, I clicked on that ad, then they took me to a separate website.There were some interesting XXXX XXXX showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave him XXXX XXXX Card info then got me to watch the full video.Since no dollars were deducted from my XXXX at the time, I didn't pay any attention to it.After I finished watching that XXXX XXXX, I started watching XXXX videos again. Few days later I see some suspicious transactions in my account that I didn't make. transactions were made from my XXXX to XXXX, I don't have XXXX account and also family don't have a XXXX account, so I contacted the XXXX customer service and opened a dispute when I saw the transactions. A few days after opening the dispute, the bank refused to return the dollars and they declined my complaint Now I want to request CFPB please review my case and please Please arrange my dollars to be returned. I was scammed by a fake website. Total {$410.00} please investigate it and refund my money. [ My XXXX account details XXXX email : XXXX phon : XXXX ( Compromised CARD : XXXX ) ] Now am request review my case Cfpb why XXXX not refund my money. I am contesting these transactions and please arrange for my dollars to be returned. My Hard point officer I don't have XXXX account it's 100 % true.please contact with XXXX company Request again officer please help recover my money with United States Law. Please Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian I am disputing inaccurate, incomplete, and/or unverifiable information on my credit report. Pursuant to 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2, I request a full investigation of the accounts listed below and deletion/correction of any unverifiable information. Account XXXX XXXX XXXX Dispute Reason Verify repossession reporting, payment history, and balance accuracy. This account shows closed and now is still reporting negatively on my report. Please remove account for reporting inaccurate information. Account XXXX XXXX XXXX Dispute Reason Verify late payment reporting on closed account. This account shows closed and now is still reporting negatively on my report. Please remove account for reporting inaccurate information. Account XXXX XXXX XXXX Dispute Reason Validate the original contract. Not an authorized legal blinding contract or signature between creditor and consumer ( me ). Unauthorized remarks. Inaccurate account. Account XXXX XXXX XXXX Dispute Reason Validate the original contract. Not an authorized legal blinding contract or signature between creditor and consumer ( me ). Unauthorized remarks. Inaccurate account. Account XXXX XXXX XXXX : Bankruptcy Dispute Reason Validate the original contract. Not an authorized legal blinding contract or signature between creditor and consumer ( me ). Unauthorized remarks. Inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Wanted XXXX keys made for car and received XXXX referrals to local business : XXXX XXXX XXXX XXXX. Researched on internet for the phone number and called for information. I was told only a mobile service offered so agreed to have a technician come out to apartment residence. Within XXXX XXXX received a call back from technician and he was at residence within a XXXX He gave a quote then physically programed XXXX keys from the computer system in my car. He presented a cell phone for the transaction and left. The next day I realized the keys do not open the door because not programmed. I then checked my XXXX charges for the merchant information. The merchant was totally different. I tried to contact them and to my shock was a XXXX XXXX XXXX company. I immediately contacted Bank of America to report fraud. They immediately issued a credit back but on XXXX days denied my claim because I presented my card and signed for charges. I did not get any type of statement to justify the {$670.00}. Bank of America refuses to investigate this now very serious identity theft and fraud. Who came out was XXXX XXXX XXXX XXXX and billed by XXXX XXXXXXXX. I am a single woman age XXXX and this is criminal and a breach of my PII.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Citibank XXXX Checking account with bankers XXXX XXXX and XXXX XXXX ( the branch manager ) at the branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This account was opened connected to the promotion of receiving {$1500.00} bonus after depositing {$200000.00} within the first 45 days, then maintaining the funds for another 45 days. A Citibank Savings account was opened on XX/XX/XXXX, connected to the Checking account. The bankers confirmed that funds could be deposited into this Savings account to qualify for the Checking account 's promotion. On XX/XX/XXXX, I met in-person with XXXX XXXX , who confirmed that I had met the promotion 's terms. A few weeks later, XXXX informed me that he heard from the back-office who denied the bonus because I had Citibank personal accounts within the previous 365 days. XXXX then explained that he and XXXX had confirmed I was eligible for the bonus prior to opening my Checking and Savings accounts- but that they had verified I had not had a personal account within the last 365 by looking up my PHONE NUMBER. When he heard from the back-office that the bonus was denied, he then looked me up by my SOCIAL SECURITY NUMBER, and found the records showing I had had an account within the last 365 days. XXXX agreed that this was a BANK ERROR : He had formally confirmed I was eligible at the time of account opening, so it was fully reasonable for me, as the customer, to take him at his word. It was not my fault, or responsibility, that he and his fellow banker did not look me up in the correct fashion. XXXX informed me that he would try to press the back-office for an " exception '' to award me the bonus due. This, though was almost 2 months ago, with no resolution. I have spoken to him frequently since then, and he has recently advised me to file a CFPB complaint, as he is not having success remedying the situation on his end. It is very shady that Citibank took over {$200000.00} of my funds, promising me that I was eligible for a bonus, then made profit off of those my funds. Then, only after they had benefited from my funds, they refused to fulfill their end of the bargain.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Tried to address a non-fraudulent charge that was flagged by Citi. I was required to call as the app did not let me address the concern. Multiple service providers refused to let me authenticate with a text message ( with no reason why ) and the only other option was being locked out of my card for 7-10 days while I waited for a letter with a code. When I requested to speak with a superior I was denied, and when I tried to close the account I was also denied and told I had to wait for the letter.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Card Services denied my fraud dispute for the account ending in XXXX even though I did not open this account, authorize its use, or agree to any cardmember agreement. I submitted a fraud claim on XX/XX/year>2026, and Chase denied it without providing any documentation linking me to the account. On XX/XX/year>2026, Chase sent a letter stating they reviewed and agree with their previous review and that I am responsible according to the cardmember agreement. I never opened this account and never signed or agreed to any such agreement. Chase has not provided a copy of the application, signature, IP address, device information, or any evidence showing I opened or authorized the account. I sent a formal response to Chase on XX/XX/scrub> 2026 requesting a reinvestigation and documentation. Chase has not responded. They have refused to conduct a reasonable investigation as required under the Fair Credit Reporting Act and Regulation XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP
State: MA

Complaint narrative:
In XXXX to XX/XX/XXXX, I experienced a temporary financial hardship due to a job loss while pregnant, followed by a transition period under a financial assistance program. During this time, I proactively communicated with the U.S. Bank team and followed the guidance provided to resume my regular monthly payments when advised that I was back on track. At no point was it clearly communicated to me that additional lump sum payments would be required to bring the account fully current for credit reporting purposes. Based on my understanding from those conversations, I resumed making the standard monthly payments in good faith. Since that period, I have remained current and in good standing on my mortgage, with consistent on-time payments. Given the circumstances including the hardship, my proactive communication, and my continued positive payment history I requested that the bank consider removing the late payment marks associated with this period as a one-time goodwill adjustment. The letter was sent on XX/XX/XXXX, and at the writing of this complaint on XX/XX/XXXX, no response has been received.

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 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit Management Company attempts to collect debt paid 5 and half years ago XXXX XXXXMy insurance then paid it said that XXXX XXXX XXXX XXXX XXXX XXXX is known for double billing, double charging, over charging its patients.Inhave tried to resolve this for 5 and half years XXXX XXXX XXXX sends it to multiple collection agencies over and over again.This is what happens when you have Shady, Greedy, Fraud XXXX XXXX XXXX and its XXXX XXXX XXXX.They have yet to prod I owe it even a previous collection agency employee told me on recording line that she knows it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
b"Between XXXX XXXX and XXXX XXXX XXXX, me and my mother were victimsof a serial criminal fraud and forgery scheme facilitated through the Cash App platform. A third-party seller used a forged/whited-out contract and misrepresented their identity (claiming Power of Attorney and marriage to a vehicle owner) to steal over $XXXX in down payments for two vehicles (a XXXX XXXX XXXX and a XXXX XXXX XXXX).The actual legal owner of the vehicle has confirmed in writing that the seller had no authority to sell the cars and that the contract signatures were forged. The seller knowingly concealed a fatal, dangerous engine defects on both cars while using the platform to conduct an unlicensed vehicle dealership (XXXX). Immediately after receiving the funds, the seller blocked all communication.\n\nDates and amounts:XXXX (note for down payment/half first month payment on XXXX) $XXXX (note for down payment on XXXX XXXX) $XXXX (note for other half car payment will send the rest soon for XXXX ) $XXXX (note for rest of first month payment for XXXX) $XXXX\nActions by me:\nI have filed formal criminal reports with the following agencies:\nLocal Police Department (Case #XXXX) FBI Internet Crime Complaint Center (IC3) (Ref #ID: XXXX) XXXX (complaint #XXXX)and Tennessee Department for Commerce and Insurance (complaint #XXXX)\nI have contacted Cash App support multiple times to report the Criminal Simulation and Forgery. I provided them with all three official case numbers and requested a manual investigation by their Global Risk and Fraud Department.\nActions Taken by the Company:\nCash App support has repeatedly provided automated responses, stating they 'cannot reverse completed transactions' and that they will only initiate a manual fraud investigation if contacted directly by law enforcement. Cash App is failing to follow its own Terms of Service regarding the investigation of fraudulent business activity on its platform. By refusing to act on a documented forgery case with active police involvement, they are facilitating the theft and allowing a criminal actor to continue defrauding others."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My account was on restriction for no reason and I tried to close all my accounts with capital one, but the closed the ones with little money in it, sent the checks and didnt close the one that has all my money in it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
I have rewards I haven't been able to redeem online. It keeps giving an error message and says to call. I called and so far I have been on hold for XXXX XX/XX/XXXX ( I am still on the phone ). I have been transferred to XXXX different people, all who say that they are not the right department. At XXXX point, someone asked me for my name and address to verify my information, and said " let me verify that '' and it put me on hold for XXXX more XX/XX/XXXX then asked me to input my credit card number again. I got to the credit card department who transferred me to the rewards department and after XXXX more XX/XX/XXXXthey said the only way to redeem is online, even though online it has not worked for the past XXXX months and it says to call the number I called, who then said they're not the right department. Then he said " hang on XXXXXX/XX/XXXX let me check '' and put me on hold AGAIN and it went back to the MAIN TD BANK MENU with the original phone tree information to put in. I want to be compensated for my time and I want a check for my rewards. This is ridiculous. No wonder TD Bank has more complaints online than any other.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I do not give dealership authorization to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I was a card holder with XXXX Bank for my XXXX XXXX XXXX AAdvantageCard. My account was forcibly transferred to Citi with my original card # remaining active. My XXXX online access was terminated XX/XX/year> and emails stated that I could set up my Citi online access on XX/XX/year>. I attempted to do so by registering on Citi.com on XX/XX/year>, however although step XXXX of registration states " XXXX AAdvantage Aviator cardmembers may register with their current credit card. ", the registration process dead-ends with the message " Were replacing your XXXX AAdvantage Aviator card. You can complete registration when your Citi card arrives. '' Since I was unable to create my account, I contacted customer service and was told by multiple agents that I had no choice but to wait XXXX weeks for my new card to arrive. In the mean time, my existing XXXX remains active and in use, but that means XXXX weeks without the ability to review transactions, obtain statements ( I was/am on paperless billing ), detect fraud, etc. I was eventually connected with a supervisor who assured me that the online account issue was being resolved and that a fix was expected by XX/XX/year>. I requested a paper statement be sent to me, which has not yet arrived, and according to them, XXXX not arrive until after my payment due date. I attempted the registration again on XX/XX/year> and encountered the same exact failure. I again contacted customer service and spoke to an agent and then a supervisor ( XXXX ) who stated that Citi had no intention of fixing the technical issue and reiterated that I was expected to be locked out of my account for XXXX weeks. This presents an especially significant and possibly illegal situation where my large payment is due ( $ XXXX ) on XX/XX/year> without having any way to get my statement in hand by that date. They stated that they are unable to change my due date to give me time for my statement to arrive by mail. The only other option offered on the XXXX phone call was a fax, but I have no ability to access that antiquated technology, and it could take XXXX days to receive, which could exceed my due date as well. So, I am being expected to blindly pay a $ XXXX balance blindly without being able to verify the transactions that I am paying. This puts me, as a consumer, in the position of being unable to detect and react to fraud in a timely manner and have confidence that my payment is for valid transactions. I advised them that I would be submitting a federal complaint and I am expecting a call back from their legal department on XX/XX/year>, but after many failed promises, I don't hold hope on that follow-through.

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