vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/year> RE : Formal Complaint Unauthorized Wire Transfers Citibank Checking Account number ending XXXX ; Wire Case Number : XXXX Primary Fraud Reference Number : XXXX Secondary Tracking Number ( Instant Debit ) : XXXX To the Consumer Financial Protection Bureau , I am filing this complaint against Citibank N.A. regarding their failure to prevent unauthorized wire transfers totaling {$49000.00}, as well as associated unauthorized account activity following a security breach. On XX/XX/year>, my computer was compromised, and scammers initiated two unauthorized wire transfers from my Citibank account to a XXXX XXXX XXXXXXXX account : one for {$22000.00} and another for {$27000.00} ( tracked under Case Number XXXX and Primary Reference Number XXXX ). A secondary unauthorized instant payment debit of {$2400.00} was also executed ( tracked under Reference Number XXXX ). I discovered the unauthorized activity immediately and contacted Citibank customer support while BOTH wire transactions were still listed as " Pending '' in my account dashboard. Despite my explicit, timely notification that these transfers were unauthorized fraud, Citibank failed to exercise its duty of care. Instead of freezing the funds, customer service representatives transferred my calls multiple times, created language barriers, and allowed the pending transactions to clear and leave the bank. For comparison, XXXXXXXX XXXX was notified of a related transfer during the same incident and successfully stopped the funds, proving that such transactions can be halted when timely notice is provided. Citibank has misclassified this clear case of unauthorized fraud as a standard merchant " dispute. '' They subsequently informed me that a " Wire Recall Dispute '' letter was sent to XXXX XXXX XXXXXXXX, claiming a resolution could take XXXX to XXXX days. It has now been approximately 90 days since the incident, and I have received no provisional credit, no formal resolution, and no recovery of my funds. Under Federal Regulation E ( Electronic Fund Transfer Act ), I am protected against unauthorized transfers. Because I notified Citibank while the funds were still within their mechanical control ( " Pending '' ), the loss of these funds is a direct result of Citibank 's internal delays and operational negligence. Desired Resolution : I request that the CFPB investigate this matter and that Citibank be required to immediately issue full reimbursement or provisional credit for the unauthorized funds under the mandatory Regulation E guidelines for an investigated fraud claim. Respectfully, 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 2026-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Majority USA, LLC
State: NY

Complaint narrative:
I attempted to open an account with Majority. During the onboarding process, I uploaded my XXXX passport for identity verification. The verification system rejected the passport twice with the incorrect reason that the document was not a government-issued photo ID, although Majority later confirmed in writing that a passport is an accepted document. The verification screen showed that the process was powered by XXXX. I requested a case-specific explanation regarding the rejection, the processing of my passport and identity-verification data, whether any third-party provider processed the data, whether any extracted data, biometric data, metadata, rejection codes, risk scores, logs, or fraud/compliance markers remain stored, and what was actually deleted. Majority confirmed by email that my registration process was cancelled and that uploaded documents and registration-related information were deleted. However, Majority repeatedly refused to provide case-specific answers and only referred me generally to its Terms and Conditions / Privacy Policy. Majority also stated that certain information could not be provided due to internal policies and privacy policies, without citing a specific legal basis or policy clause. My concern is that Majority collected sensitive identity documents and potentially biometric/verification data, used an automated and/or third-party verification provider, rejected a valid government-issued passport with an objectively incorrect reason, and then refused to provide meaningful case-specific information about processing, deletion, retention, third-party sharing, or remaining records. I am requesting review of Majoritys handling of my onboarding, identity verification, privacy transparency, deletion confirmation, and refusal to provide specific information after collecting sensitive identity data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>, I opened a U.S. Bank checking account. My payroll direct deposits were successfully deposited into the account on a weekly basis until XX/XX/year>, when a payroll direct deposit was rejected and returned to my employer because my checking account had been frozen as part of an identity verification review. Since then, I have fully cooperated with every request for identity verification. Because U.S. Bank does not have retail branches in Texas where I could present my identification in person, I was instructed to submit copies of my identity documents. I provided copies of my driver 's license, Social Security card, U.S. passport, and XXXX XXXX card. To ensure they were received, I sent the documents by USPS Certified Mail, which was delivered to U.S. Bank 's XXXX XXXX office on XX/XX/year>. I have retained t he USPS tracking number confirming delivery. I later learned that these same documents could have been submitted electronically to a designated email address. I was not informed of this option when I was initially instructed to submit my documentation, which unnecessarily delayed the review process. I contacted U.S. Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX seeking an update. During each call, I was given a different explanation of the status of my case and was generally told to continue waiting. On XX/XX/XXXX, I remained on hold for more than two hours before ultimately being transferred to the wrong department and having to restart the process. I requested an explanation of why my account was frozen, why my submitted identity documents were not sufficient, what additional information, if any, was required, and a direct point of contact or case manager handling my case. I have not received clear answers to those questions or been provided with a dedicated point of contact. During this time, my U.S. Bank credit card has remained active and usable, including my ability to make payments, while my checking account remains frozen. I have not been provided with an explanation for the differing status of these accounts. I have made every reasonable effort to resolve this matter directly with U.S. Bank. I am requesting assistance in obtaining a clear explanation of my account status, a dedicated point of contact with authority to resolve my case, and a prompt resolution regarding my checking account and any remaining funds.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Initiated a balance transfer on XX/XX/year>. The balance at the time of the request was {$0.00}. We received over a dozen fraud alerts regarding the transfer. We confirmed the transaction, verified our identity, and were told each time that the fraud alert was cleared and that the balance transfer would be processed. I asked if the transfer could be distributed by check instead- the answer was no. I asked if we could cancel the balance transfer - the answer was no. I asked to speak to a supervisor - a supervisor refused to speak with me. I asked to file a complaint and escalate the issue. After 13 calls, I finally simply asked customer service to cancel the balance transfer. We were finally able to cancel the transaction. Our available balance was reduced by the amount of the balance transfer for over a month. After over 15 hours on the phone, and over 4 weeks later, we are now back at square one and weren't able to take advantage of the balance transfer offer.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
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 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 2026-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Subject : FORMAL ESCALATION : FCRA Violation and Obsolete Debt Removal Request Account : XXXX XXXX XXXX, XXXX. Dear XXXX, I am writing to formally escalate a critical billing and credit reporting dispute that your staff has failed to resolve. I previously contacted XXXX XXXX regarding an illegal reporting timeline being applied to my account. XXXX XXXX has ignored my legal notice and continues to insist that I still owe this debt, which has led to this escalation. XXXX, as you know, the Date of First Delinquency ( DOFD ) determines when a debt is removed from my credit report, NOT seven years from the date Zions Debt Holdings purchased it in XX/XX/XXXX. Zions Debt Holdings is in direct violation of Section 605 ( c ) of the Fair Credit Reporting Act ( FCRA ), which dictates that the seven-year reporting window begins exactly 180 days after the DOFD. The original contract for this account was signed in XXXX, and the DOFD occurred in XXXX when I switched to an XXXX bundle . Because this debt is over a decade old and well past the legal seven-year reporting limit, it is legally obsolete. Your company 's persistence in reporting this, or threatening to report it based on your XXXX purchase date, constitutes re-aging a debta severe FCRA violation. Please review the original notice I sent to XXXX XXXX below, which outlines my position in full detail. I expect immediate written confirmation that Zions Debt Holdings has ceased collection efforts on this obsolete account and has requested its permanent removal from all credit bureaus. If this is not resolved within five business days, I will immediately move forward with filing formal complaints against Zions Debt Holdings with the Consumer Financial Protection Bureau ( CFPB ), the Maryland Attorney General, and the Utah Attorney General. I look forward to your prompt compliance. Sincerely, XXXX XXXX, XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
We went through some financial hardship in XXXX and missed a couple payments. Realizing we were needing some help we reached out to the HELOC which had transferred to Shellpoint Mortgage Servicing and asked if there was any hardship program we could apply for. What happened after this was anything but helpful. If I were to get a person on the phone they would tell me to continue in one direction, but they next time I would call to check in on status of our inquiry into hardship programs they would act like we had never called and start the process all over again. They lost paperwork numerous times. Told us to pay a certain amount each month, but then wouldn't follow up with paperwork for it. So for months of us paying the amount they had assigned to our case they were marking our credit has delinquent or no data. After an entire year of calling and getting the run around from multiple people we had to go to a lawyer to see if they could help us. I have many recorded calls of conversations between myself and the HELOC company. Some of them apologizing for their wrong doings like losing our paperwork and people not knowing what was going on. Some of them very angry calls because they'd tell me I had never set anything up in the first place. Finally a lawyer sending them a letter made them realize they need to send us the modification paperwork they had promised us all year. By XXXX of XXXX they had finally sent us the paperwork, we signed and got set on the right path. We are are trying to improve our financial situation and leave this company by working with a new credit union. We are wanting to transfer this HELOC, but every time we try we are flagged because it shows we are delinquent for many months. I have paperwork showing what we paid and how they didn't apply any of our payments until XX/XX/year>. We need our report fixed so we can move on from this company. Pay the entirety of the loan and be done with them for good, but can't until this is fixed. Please help

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 2026-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I have an XXXX mortgage that was being serviced by XXXX XXXX XXXX Due to a financial hardship, I entered into an XXXX loss mitigation trial payment plan with XXXX and successfully completed all required trial payments. At the conclusion of the trial period, I attempted to make the required XX/XX/year> payment through XXXX XXXX online payment system, but I was unable to submit the payment. I immediately contacted XXXX by telephone and was advised that I first needed to return the notarized modification documents before the permanent modification could be completed. I followed those instructions and returned the signed, notarized documents, but received a letter stating there was a problem with the dates/notary certificate/certificate, but with no exact issue. I send the 2nd set of paperwork on XX/XX/year> through a prepaid XXXX envelope.. On XX/XX/year>, servicing of my loan transferred from XXXX XXXX to M & T Bank while my XXXX loss mitigation paperwork was still in process. I called M & T the first week of XXXX regarding making a payment and the representative I spoke with asked what my mortgage payment previously was. He stated that all paper work was being transferred and that it could take a few weeks, but that M & T would reach out when it was processed and I could pay then. On XX/XX/year>, I received a letter stating that M & T and I have agreed to a Partial Claim, but the payments were not updated. On XX/XX/year> I received a letter from M & T Bank denying my loss mitigation paperwork through XXXX, stating that I failed to fulfill my obligations because I did not make the May payment. This is inaccurate. I attempted to make the payment, but XXXX XXXX online system would not accept it, and in turn I contacted XXXX by phone for assistance and was informed that I must return the notarized paperwork. I followed the instructions I was given by returning the required notarized documents before the servicing transfer. M & T Bank 's denial letter stated that I qualified only for a short sale or deed in lieu of foreclosure and did not provide any appeal rights. When I called M & T, I explained the circumstances surrounding the servicing transfer and XXXXXXXX XXXX instructions. M & T advised that it would resubmit my application for loss mitigation but could not guarantee approval and informed me that, if denied again, I could lose my home. The servicing transfer and the handling of my XXXX loss mitigation file resulted in an improper denial of my application. I am requesting that M & T Bank conduct a complete review of the loss mitigation records transferred from XXXX, reconsider the denial based on the full facts, and suspend any foreclosure activity while my application and this complaint are under review.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>. I received my final pay from XXXX through a XXXX XXXX check issued buy. XXXX did a Mobile deposit to my BMO Bank account. Three days later. My account was frozen so I called and spoke to the front department. They said the check that was given to me by XXXX was flagged as fraudulent and then contacted corporate. They were able to verify the check was not fraudulent and that it was. In fact a valid good check and they verify the amounts of {$1400.00}. I submitted paperwork to the file Department verifying the checks. Legitimate And in fact, not fraudulent. Its been almost 2 weeks and they still have not released my funds. My funds were supposed to be available on the XXXX. After speaking with corporate again they verified. The check was cash by my Bank that they can not avoid it and re issue me one because my Bank has the funds held there.

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 2026-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
* * Complaint Against XXXX and IC System * * I am submitting this complaint because XXXX continues to report an inaccurate collection account after I disputed the information. The account being reported is as follows : * * * Collection Agency : * * IC System * * * Account Number : * * Ending in XXXX XXXX XXXX XXXX XXXX Balance : * * {$380.00} * * * Date Assigned : * * XX/XX/XXXX * * * Date Reported : * * XX/XX/XXXX * * * Date of First Delinquency : * * XX/XX/XXXX This account does not belong to me. The alleged debt is for a cable account associated with an address where I do not live. Since the reported Date of First Delinquency is XX/XX/XXXX, it is impossible for me to have incurred this debt at that address when I've been living at my current address for 10 yrs. I disputed the account with XXXX and requested a reasonable reinvestigation under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *. Instead of providing evidence that I am responsible for the account, XXXX merely stated that the account had been verified. To date, neither XXXX nor IC System has produced any documentation establishing that I owe this debt, including : * A signed service agreement or contract bearing my signature. * Proof that I resided at the reported service address. * Documentation identifying the actual original cable provider. * Account records identifying me as the responsible party. * A complete payment history. * Documentation demonstrating that IC System has the legal authority to collect this alleged debt. Additionally, my credit report appears to identify * * IC System as the XXXX XXXX * *. If that information is being reported, it is inaccurate because IC System is a debt collection agency rather than the provider of cable services. I believe XXXX has failed to conduct the reasonable investigation required by the Fair Credit Reporting Act and continues to report inaccurate and unverifiable information that is negatively affecting my credit. I respectfully request that the CFPB require XXXX and IC System to : 1. Conduct a lawful and reasonable investigation. 2. Produce competent documentary evidence proving I am legally responsible for this alleged debt. 3. Correct any inaccurate information being reported, including the identity of the original creditor. 4. Permanently delete this collection account from my credit report if it can not be fully verified with supporting documentation. 5. Provide the method of verification used to conclude that this account belongs to me. I appreciate the CFPB 's assistance in ensuring compliance with the Fair Credit Reporting Act and protecting consumers from inaccurate credit reporting.

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 2026-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I have a delinquent amount reported on my credit report. I have been trying to resolve this issue for over two years. I sent messages, called over a dozen times and spent hours on the phone trying to pay them because the reported amount is only {$120.00}. They wanted me to open an account and refused to take any money unless it was tied with a checking 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