vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 

I dispute this alleged debt in its entirety. You are required to provide full validation of this account before continuing any collection activity or credit reporting. 

Please provide the following : The name and address of the original creditor. 

A complete payment history and accounting of the alleged debt, including principal, interest, fees, and charges. 

A copy of the original signed contract or agreement bearing my signature. 

Documentation showing you have legal assignment or authority to collect this specific debt. 

Proof that your company is properly licensed and authorized to collect debts in the State of Tennessee, including your Tennessee collection license number and registered agent information. 

The date of first delinquency and proof of the statute of limitations applicable to this account. 

If you are unable to provide the above documentation, you must immediately : Cease all collection activity ; and Delete this account from all consumer reporting agencies to which you have furnished information. 

Be advised that reporting information to credit bureaus without proper validation may constitute furnishing inaccurate or unverified information in violation of 15 U.S.C. 1681s-2 ( b ). 

If you continue to report this account without providing proper validation, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office for investigation of unlawful collection practices. 

All future communication must be in writing. Telephone contact is not authorized. 

Failure to respond with proper validation within 30 days will be considered your inability to validate the alleged debt, and I will demand immediate deletion. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

I dispute this alleged debt in its entirety. You are required to provide full validation of this account before continuing any collection activity or credit reporting.

Please provide the following : The name and address of the original creditor.

A complete payment history and accounting of the alleged debt, including principal, interest, fees, and charges.

A copy of the original signed contract or agreement bearing my signature.

Documentation showing you have legal assignment or authority to collect this specific debt.

Proof that your company is properly licensed and authorized to collect debts in the State of Tennessee, including your Tennessee collection license number and registered agent information.

The date of first delinquency and proof of the statute of limitations applicable to this account.

If you are unable to provide the above documentation, you must immediately : Cease all collection activity ; and Delete this account from all consumer reporting agencies to which you have furnished information.

Be advised that reporting information to credit bureaus without proper validation may constitute furnishing inaccurate or unverified information in violation of 15 U.S.C. 1681s-2 ( b ).

If you continue to report this account without providing proper validation, I will file additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office for investigation of unlawful collection practices.

All future communication must be in writing. Telephone contact is not authorized.

Failure to respond with proper validation within 30 days will be considered your inability to validate the alleged debt, and I will demand immediate deletion.

Sincerely,

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against Citibank due to Unfair and Abusive practices ( UDAAP ) regarding an administrative account freeze that resulted in predatory fees and high interest charges.

My joint checking account was frozen by Citibank during a verification process. While the account was locked, Citibank unilaterally cancelled my pre-established Auto-payment for my Citibank credit card without prior notice. Although I had sufficient funds in my checking account to cover the full balance, Citibank 's own internal block made it technically impossible for me to settle the debt.

As a result, I was charged a {$30.00} returned check fee and significant interest. I contacted customer service and a supervisor, who admitted that interest can only be waived in the case of a 'bank error. ' However, they refused to categorize their intentional administrative block and the subsequent cancellation of my Auto-pay as a bank error, despite the fact that the bank itself created the conditions for the default.

I am requesting a full reversal of the {$30.00} fee, all interest charges, and a guarantee that my credit report will not be negatively impacted by this event caused entirely by Citibank 's procedures

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 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: T.S. Holdings
State: NJ

Complaint narrative:
I am writing to formally dispute the rental debt currently being reported on my credit file. 
The account is inaccurate wrong and fraudulent. 
Under the Fair Credit Reporting Act, I am requesting that you investigate this matter and provide verification of the debt, including documentation showing I am legally responsible for the balance. 
If you are unable to verify this information, I request that the account be removed from my credit report immediately. 
Please confirm in writing the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Best Buy Credit Card ( Citibank ) online account was hacked on or around [ approximate date, e.g. XX/XX/year> ]. The hacker changed my registered email address and phone number to XXXX ( which is NOT my number ) .I was able to log in and change the email and phone back to my own information. However, the system now blocks me from changing my password due to " security reasons. '' Customer service is also unable to verify me because the phone number no longer matches, even though I just updated it.I am currently locked out of full account control while the account remains vulnerable to the hacker. Customer service is telling me they can only send a letter by mail and will not restore immediate access or escalate to fraud/security.This is putting my financial information and credit at serious risk. I have already provided the hackers phone number ( XXXX ) to them.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Last year I had some fraudulent checks deposited in my account from an online loan company and now I can't open an account at any bank. How can I resolve this problem?

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 2026-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have been a loyal member of Digital Federal Credit Union ( DCU ) for XXXX years. In XXXX, I legally changed my name and submitted all required documentation. DCU successfully updated my profile, and my account operated correctly under my legal name for XXXX  years. 

In XX/XX/XXXX, DCU unilaterally and silently reverted my account name to an outdated XXXX record without my authorization, knowledge, or prior notice. 

Impact and Financial Disruption I only discovered this unauthorized alteration when an automated bill payment failed. The vendor rejected the payment because DCU issued the check under the incorrect, reverted name, causing immediate financial disruption and risking my credit standing. 

Deceptive and Evasive Customer Service Response When I contacted DCU in XXXX to demand a correction, their response was entirely evasive : Shifting the Burden : Frontline support initially attempted to force me to fill out a new DocuSign name change application. I refused to apply for a " change '' I never authorized and demanded escalation. During this call, the representative explicitly admitted that DCU still possessed my XXXX immigration name-change documents but had seemingly misplaced my Social Security card from that file. 

The " XXXX '' Framing : The case was escalated to a representative named XXXX, who requested XXXX days to investigate. Upon returning, she bypassed my question entirely and offered to " allow '' the update without a form if I provided a new SSN card. I refused to let DCU frame the correction of their own internal data breach as a " favor '' and demanded to know why my identity was silently altered. 

Continued Avoidance : Rather than providing an explanation, XXXX shifted goalposts again, claiming the process was now " streamlined '' and asking for any valid ID. 

Core Violations and Frustrations DCU has completely failed to address the core compliance violation : unauthorized account modification without consumer notification. Furthermore, their internal handling proves a severe lack of data integrity, as they openly admitted to losing or mismanaging elements of the legal documentation I provided XXXX years ago. 

DCUs refusal to answer how or why a member 's legal identity can be silently overwritten by legacy archives is unacceptable. I am filing this complaint to demand accountability, a formal explanation of the root cause, and immediate restoration of my correct profile without further bureaucratic hurdles.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank claims that my account is closed, and it has been XXXX months since my refund. I asked, and they said they mailed the check, but I am still waiting.

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 2026-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
The company being rude and aggressive and didn't allow me to defend myself or dispute the allegation of the bill, when I was a victim of identity theft and received a case number from the police department.

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 2026-07-13 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.

Complaint narrative:
1. COMPLAINT SUMMARY Citi Cards has failed to conduct a reasonable investigation into a billing error and unauthorized transaction totaling {$810.00}, in direct violation of my consumer rights under the Fair Credit Billing Act ( FCBA ). Despite clear evidence proving that this charge is invalid, Citi Cards summarily closed the dispute in favor of the merchant.

2. TIMELINE OF DISPUTE XXXX : A charge of {$810.00} from XXXX XXXX XXXX posted XXXX XXXX account. 
XXXX I filed a formal dispute with Citi Cards . 
XXXX Citi Cards denied my dispute. Their stated justification was : Through our investigation, of the information and facts available, we were unable to identify or determine that a billing error occurred. 
XXXX : I attempted to appeal this decision by providing secondary evidence that explicitly refuted the merchant 's claim. Citi Cards refused to reverse the decision. 
3. REBUTTAL & EVIDENCE Citi Cards ' investigation was inadequate because they accepted the merchant 's surface-level documentation without verifying its validity against my submitted proof. Specifically : The merchant can confirm I did not sleep in the hotel even a single night so on what basis would you let the charge stand. The charge is for a hotel stay of XXXX weeks. 
I received your denial notice on XXXX, which stated that the dispute was closed because you spoke to the merchant. 
However, your conclusion does not align with the facts of the case. I arrived late due to unavoidable flight change by the airlines which caused a delay of a few hours. While I was at the reception, there was a shooting incident by other parties, which made my possible stay unsafe and dangerous to my life.I am attaching all original correspondence, tracking data, and Citi 's denial notice to this complaint to prove that the bank 's determination is factually incorrect. 
4. RESOLUTION REQUESTED I request that Citi Cards fully reverse the charge of {$810.00}, remove any associated interest or late fees that accrued during this dispute, and correct my billing 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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Day to whom may be reading. 
I Work for the, XXXX XXXX XXXX XXXX XXXX XXXX I work 11 days and recieved a check from the XXXX XXXX XXXX  via Mail. I signed and mobile deposited through mobile app. The 1st day it said pending, second day it's till said pending, but in the afternoon i XXXX it showed negative {$1400.00}. I screen shot it and called the bank. I signed back into the app It said pending. At XXXX I received an email saying your deposit was accepted. I called into citi bank several times seeking explanation and no one could give me one. 
I went into the bank and spoke to the teller she said your check is at risk and cant give me any nore information. I went downtown to XXXX XXXX XXXX to seek an explanation and not even the payroll supervisor could tell me what is going on. She handed me some paper work with the head supervisor number and told me to call her. She req I went to the bank and get paper work stating the account was compromised and the funds were posted in which I sent her via email. She stated to me via phone call she will investigate, this was Thursday XXXX. I sent her an email with my other banking information so she can send me my finances via direct deposit. Nothing I called back friday seeking a response or clarification, I only got voicemail. This is crazy. I have never experienced this, I have no money and my bills are due, XXXX my XXXX birthday is on the XXXX of this month and I can't do anything for her because of someone messing up, along the line. I need help and to be compensated for my XXXX XXXX XXXX My account is closed eith no access.

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 2026-07-13 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: WA

Complaint narrative:
At XX/XX/year>, someone used by Citi Double Cash card account to make a {$300.00} credit balance transfer request. Citi customer service called to ask me about the transaction and I told them it's not made by me. Since that day, no update from Citi and they also haven't removed the charge. This is very concerning to me that Citi has already acknowledged there is some fraudulent event has happened but still moving forward with the charge.

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 2026-07-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: IL

Complaint narrative:
" I am filing a formal complaint against Netspend for failing to provide timely notice of a dispute denial and for obstructing my rights under Regulation E ( 1005.11 ).

Netspend completely cut off my dispute access and closed my case in their mobile app without providing any written document or explanation of their findings. No notice was given.

When I manually discovered the closure in the app and immediately requested an appeal, Netspend 's automated system issued an instant 60-second denial. Only after this system trigger occurred did Netspend finally deliver a written denial letter.

This timeline proves Netspend violated 1005.11 ( d ) by failing to deliver a written explanation of findings upon closing a case. Instead, they retroactively generated a letter to cover up an automated, uninvestigated closure. They are manipulating their digital interface to prevent consumers from exercising their regulatory right to a fair error-resolution process. ''

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 2026-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a formal complaint against Experian XXXX XXXX because their automated database is generating false identity codes that imply I am manipulating my personal information. My full name, Social Security number, and physical address have remained 100 % identical at my residence for the past 20 years. I have never had variations in my identity or residential history. These highly damaging subprime file flags were falsely generated entirely by local car dealerships blasting my information 14 times back-to-back through automated multi-lender computer loops. Their automated system is treating me like a fraud risk because of a dealership 's actions. Furthermore, I dispute the inaccurate XXXX collection balance data on this file. I only ever borrowed a base amount of {$78.00} on this account years ago, but this entity keeps continuously adding unauthorized fees to my record.

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 2026-07-13 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: FL

Complaint narrative:
1. COMPLAINT SUMMARY Citi Cards has failed to conduct a reasonable investigation into a billing error and unauthorized transaction totaling {$130.00}, in direct violation of my consumer rights under the Fair Credit Billing Act ( FCBA ). Despite clear evidence proving that this charge is invalid, Citi Cards summarily closed the dispute in favor of the merchant.

2. TIMELINE OF DISPUTE XXXX : A charge of {$130.00} from XXXX XXXX XXXX posted to my account. 
XXXX I filed a formal dispute with Citi Cards XXXX 
XXXX Citi Cards denied my dispute. Their stated justification was : Through our investigation, of the information and facts available, we were unable to identify or determine that a billing error occurred. 
XXXX : I attempted to appeal this decision by providing secondary evidence that explicitly refuted the merchant 's claim. Citi Cards refused to reverse the decision.

3. REBUTTAL & EVIDENCE Citi Cards ' investigation was inadequate because they accepted the merchant 's surface-level documentation without verifying its validity against my submitted proof. Specifically : The merchant can confirm I did not sleep in the hotel even a single night so on what basis would you let the charge stand. 
I received your denial notice on XXXX, which stated that the dispute was closed because you spoke to the merchant. 
However, your conclusion does not align with the facts of the case. I arrived late due to unavoidable flight change by the airlines which caused a delay of a few hours. While I was at the reception, there was a shooting incident by other parties, which made my possible stay unsafe and dangerous to my life.I am attaching all original correspondence, tracking data, and Citi 's denial notice to this complaint to prove that the bank 's determination is factually incorrect.

4. RESOLUTION REQUESTED I request that Citi Cards fully reverse the charge of {$130.00}, remove any associated interest or late fees that accrued during this dispute, and correct my billing 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