vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 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: VA

Complaint narrative:
I am filing a formal complaint against Citibank for a failure of credit card security, followed by improper and harmful handling of the customer after fraud was reported. 

Multiple unauthorized charges of {$33.00} were allowed to process on my Citi credit card, indicating a failure of Citis fraud prevention systems. I contacted Citi immediately to report the fraud. The first customer care representative correctly identified the charges as fraudulent and assisted me. 

Despite my cooperation and proactive reporting, Citis response escalated into harassment of the customer rather than proper remediation of the security failure. 

A second Citi customer care representative blocked my credit card without my consent, even though I explicitly stated multiple times that I was traveling and could not have my card blocked. This action was taken : Against my clear and explicit instructions Without providing any complaint or reference number Without documentation or confirmation Without offering a safe alternative or emergency solution As a direct result, I was left stranded while traveling with no access to my credit card, causing significant hardship and distress. 

To be clear : Citis systems failed to prevent fraudulent transactions I acted responsibly and immediately reported the issue Citi then penalized me for reporting fraud by blocking my card without authorization The customer was treated as the problem instead of the security breach This represents a serious breakdown in Citis fraud response procedures, internal controls, and customer protection obligations. 

I have been a Citi customer for over 10 years, and this is the worst experience I have had. Blocking a customers card against explicit instructions while traveling raises concerns about Citis handling of fraud reports and customer safety.

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 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
CFPB Complaint Statement Cease and Desist Request I am submitting this complaint to request that the debt collectors listed on my TransUnion credit report immediately cease all communication with me under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Their contact is unwanted and is causing stress and hardship. All phone calls, texts, emails, letters, workplace contact, and third-party contact must stop except for notices permitted by law. 
The collection accounts appearing on my TransUnion report include : XXXX XXXX XXXX XXXX | Balance : {$1900.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ), Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX | Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Balance : {$220.00} I am exercising my federal right to stop communication. If these companies believe they have a lawful reason to contact me, communication must be limited to the required legal notices only. 
I am requesting CFPB assistance to ensure these debt collectors comply with my cease-communication request and with all consumer protection laws. This complaint is not an admission that any alleged debt is valid, and I reserve all rights.

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 2026-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an Capital one account to recieve {$1200.00} after depositing {$20000.00} into new account to hold for 90 days. After calling Capital one 5 times since the 90 days now I am being told that I will not recieved nothing. every time I call I am being told something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Robinhood placed a restriction on my XXXX  account stating that I could not receive or send XXXX. They did this immediately after I sent XXXX XXXX  to my Robinhood account. They asked me to provide a non Robinhood litecoin address to send the unclaimed XXXX  to, I provided this to them and was insured that I would receive my XXXX  within XXXX business days. It has now been XXXX business days and I contact support and get the same gemeric responses that our team is working on this and will get it to you as soon as possible. They state that it has been escalated to their backend team but nothing has changed they are still holding the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding unauthorized subscription charges by XXXX XXXX. 

I canceled my XXXX XXXX account and subscription on XX/XX/XXXX, and received written confirmation of the cancellation. Despite this, XXXX charged my account {$9.00} on XX/XX/XXXX for a subscription that had already been canceled. This is the second time XXXX has charged me after cancellation. 

XXXX has acknowledged that my account was closed but claims that the charge is valid due to an outstanding cash advance. However, repayment of an advance does not authorize renewal or billing of a canceled subscription. Subscription fees and advance repayments are separate obligations, and I did not authorize any subscription services after cancellation. 

I am seeking : Reversal of the unauthorized {$9.00} charge Confirmation that my subscription is permanently terminated XXXX that no further subscription charges will occur I have documentation showing account cancellation confirmation and proof of the post-cancellation charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint against Chase Bank for failing to honor the advertised 5 % " December '' category rewards ( XXXX points ) for a XXXX transaction made in XX/XX/year>. 
Transaction Date : XX/XX/year> Merchant : XXXX ( via XXXX ) Amount : {$1500.00} Card Used : Chase Freedom ( Ending in XXXX ) Points Received : 1x ( Base ) My account was properly activated for the Q4 2025 5 % Back promotion. 
On XX/XX/year>, within the valid promotional window, I executed a purchase of {$1500.00} at XXXX using XXXX as the payment method. The attached XXXX confirmation clearly shows the transaction was initiated and authorized on XX/XX/XXXX. The attached XXXX pickup receipt confirms the order was finalized on XX/XX/XXXX. 
Still, Chase has only awarded me 1 % ( 1x points ) for this transaction. This is a breach of the advertised terms, as the transaction clearly utilized the XXXX XXXX as required by the promotion. 
I contacted Chase customer service, but the representative was unable or unwilling to correct the point allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint on behalf of myself. Previously, I filed complaint ID XXXX on behalf of my elderly aunt. That complaint included my private information, which was then shared with her without my consent. This constitutes a serious breach of privacy. 

This is similar to what Wells Fargo did with my financial information, which resulted in significant harm by sending my statements to an address that was on a drivers license for a new account. I lived in XXXX XXXX and owned a home at the time. I want to emphasize that I am a XXXX XXXX XXXX and have suffered extensively due to these actions. The emotional and financial impact is severe, though I will not detail the personal consequences here. 

I am deeply concerned that the CFPB has not been able to determine why Wells Fargo completely depleted a trust fund that I had barely touched for years. This raises questions about whether the CFPB is acting as an independent government agency or is too closely aligned with financial institutions, making it difficult for consumers to get answers or justice.

I request : 1 ) A full investigation into why my private information was shared without consent between financial agencies.

2 ) Clarification on the CFPBs role and independence in protecting consumers from financial abuse.

3 ) Accountability for Wells Fargos actions regarding the trust fund.

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 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced in your records. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX  ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop contacting the consumer except to confirm cessation of communications or to notify of specific legal action. 
You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, voicemails, emails, text messages, and postal mail. Any further contact from your company that does not comply with the FDCPA will be documented and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXXXXXX XXXX, and any other appropriate regulatory agencies. 
This request does not constitute an acknowledgment or acceptance of any debt, nor does it waive any rights or defenses available to me under federal or state law. 
Please confirm in writing that you have received this notice and that all communications have ceased, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The XXXX Apartments had mold and was not safe for habitation. They did not disclose mold and foundation conditions.The official XXXX XXXX of Georgia XXXX specifies XXXX options to resolve a breach of the implied warranty of habitability : File a lawsuit against the landlord. Repair the issue and deduct the expenses from the rent. I had so many issues such as mold - proof attached

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
As of XX/XX/XXXX I am current in all accounts with capital one. Not past due not over the limit nothing I am current. I had a mix up on XX/XX/XXXX where I paid from the wrong account and the payment was returned. I was not notified of this right due to the holidays I wasnt reachable with travel. On the XX/XX/XXXX I realized the payment was returned and made an adjusted payment. I had XXXX accounts this happened on when making my payments in XX/XX/XXXX. Because I did not make the same amount payment when the payment was returned they locked my accounts. On XX/XX/XXXX I had a payment returned on a different account and I was told the same thing by capital one. I have been a loyal customer for over XXXX years I have never had a returned payment or late payments. I am a single mom and ran in to some changes with my house hold with some nice duo payments. They are not willing to work with me. I had no prior communication from capital one. I called in on XX/XX/XXXX to speak to them and was treated extremely poorly on the first call. I called again to speak to someone and was informed they requested the accounts to be open and it was denied there was no one higher up I could speak with and ended the call on me. I have been treated extremely unfairly for being a customer of over 5 years with no prior issues with accounts. For them to just close them with out communication and with out any concern or care for my reasonings is unbelievable. I used to refer individuals to CapitalOne not any more from here on out if asked stay clear from capital one so glad I did not take the offers on car financing form them. The will close my accounts but still send me offers for financing in my vehicle ridiculous. I know the manager is the reason I was not approved and she was extremely rude and wouldnt even do the request to reopen the accounts I had to get hung up on and then call back to have it requested form someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I took out a loan with One Main Financial for XXXX and made a payment on the loan that was not even due but paid ahead of XXXX then the company contacted me about some other products I had with loan like death benfits also car repair help I removed both of those products and XXXX of them cost XXXX credited also another XXXX was credit then I made a payment of XXXX on XX/XX/XXXX they still have me owing them XXXX please explain why none of the payments are being credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase account was closed or frozen due to suspected fraud. They are claiming they need a phone number they can verify in order to release my money which is approximately {$1900.00}. This all started in XXXX of XXXX. I have spoken to Chase several times even went into my local branch. I have attached the fraud alert received in XX/XX/2025. I was told the account was close, I was told it was frozen pending verification of a transaction. I was also told the fraud department should give me a different option to verify the transaction in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It XXXX Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX ). 



I dispute the validity of this alleged debt and request full validation. Please provide the following : XXXX. The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any signed agreement, contract, or application showing I am legally obligated to pay this debt XXXX. Proof that your company is licensed and authorized to collect in my state XXXX. Documentation showing you own the debt or have legal authority to collect it XXXX. The date of last payment and the date the debt became delinquent Until this information is provided, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency. 



If you have already reported this debt to a credit bureau without providing proper validation, you are in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 



Please note that I am requesting verification, not acknowledgment of responsibility for this debt. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
There was an account with XXXX XXXX I had with XXXX Bank. The account was charged off. Midland Credit Management Inc purchased the account and hadnt sent me any information regarding them purchasing my account. I spoke with a representative who informed me that legally theyre able to pursue collecting the funds whether or not they are the original debt collector. To date, I had received a summons for court. I only learned about the court filing after I MD Case Searched myself. When speaking with the representative, I was informed that I had to set up a payment plan for the account in order to avoid going to court. I was also informed that the collecting company would not notify the courts of my guilty verdict, and that any payments that were not paid on time would result in the lawsuit being refilled. I dont understand how I can be sued when Im not properly notified. I dont want to issue payments without seeing verification of the original contract that I signed with Midland XXXX which I know doesnt exist. Theres a court date of XX/XX/year> that I have yet to receive a court summons for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I have been actively making payments on my student loans up until XXXX - a week after I made a payment I received notification that my credit had dropped XXXX points so I looked into why this occurred and was made aware that I was approved for borrower defense however I never received email or notification from Department of Education XXXX though they said I received an email back in XXXX. Ive been in contact with both Department of Education and advantage and XXXX getting the runaround on whether or not I should expect a refund. All Ive been told is that it takes time and while I understand that things take time, knowing if XXXX going to be refunded the full amount or a portion would be very beneficial to my current situation as I am currently also dealing with unemployment due to discrimination of being pregnant. I have exhausted all options as every response I get is either pointing blame at the other party or just telling me that I have to wait when I think that the answer should be very clear if XXXX getting a refund or not. I have been in touch with Department of Education advantage as well as trying to get in touch with the treasury, but they were not able to get me through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
CFPB Complaint Against Chase 1. Overview of the Issue : I am filing this complaint to report that Chase Bank has contacted me directly despite my having legal representation. I have informed Chase multiple times that I am represented by my attorney, XXXX XXXX, XXXX, and have provided his contact information. Despite this, Chase representatives have continued to reach out and attempt to discuss my account directly.

2. Details of the Contact : On multiple occasions, Chase called me and, when I informed them that I was represented by counsel, they tried to continue the conversation. One representative even mentioned that any verbal authorization would only apply to that specific call and that written authorization would be needed for future contact. 
Additionally, I have been attempting to obtain my payment history from Chase, but the relevant section is locked. This is a violation of my rights under the Real Estate Settlement Procedures Act ( RESPA ), as I am entitled to access my payment history and related documents. 

3. Attorney Contact Information : Attorney Name : XXXX XXXX, XXXX. 
Phone Number : XXXX Email Address : XXXX Attorney Address : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, Connecticut, XXXX 4. Specific Violations : Failure to Cease Direct Contact : Chase continued to contact me directly even after being informed of my legal representation, violating the Fair Debt Collection Practices Act ( FDCPA ).

Inaccessibility of Payment History : The locked section preventing me from accessing my payment history is a violation of RESPA, which guarantees borrowers the right to obtain their payment records and related documents.

5. Requested Resolution : I request that Chase immediately cease all direct communication with me and only communicate through my attorney. 
I request that Chase unlock my payment history and provide all relevant documents promptly. 
I also request an investigation into this matter to ensure compliance with RESPA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My new debit card has been rejected multiple times due to Capital One changing over to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have a checkings and savings. I set up recurring transfers for {$50.00} a month from checkinxs to savings with the understanding that I could cancel it. I can not. Eventually My bank wanted to overdraft me for transferring more than I had in my checkings to my savings even though it was simply moving money around in my accounts. I called 4 times to cancel these recurring transfers and was told I just had to wait to cancel it and it was never an option for me.

Company response to consumer: Closed with explanation