vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
They deducted {$80.00} for XXXX on my account on the XXXX! It literally subtracted money from my account! Meaning it was taken. I check my account today and Im negative - {$63.00}?! I got told its because of the XXXX transaction. I kept asking how this was possible if the money was already taken and they could not give me a good answer.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding a private education loan issued by Climb Credit. 

I formally withdrew from the educational program ( Interview XXXX  ) in writing prior to loan disbursement due to material misrepresentation of the program. This withdrawal was acknowledged multiple times by the school, and I explicitly notified Climb Credit of my withdrawal and requested that the loan not be disbursed pending resolution. 

Despite this notice, Climb Credit disbursed the loan funds. After disbursement, Climb has refused to take corrective action, stating that it adheres solely to the schools cancellation policy and will not act unless the school submits a request, even though the disbursement occurred after documented withdrawal and dispute. 

I did not consent to enrollment funding after withdrawal, and the loan was disbursed without my consent. I am requesting that Climb Credit formally recognize this loan as disputed, halt any repayment or reporting activity, and work with the school to reverse the disbursement based on withdrawal and misrepresentation prior to funding. 

I have attached documentation showing the timeline of withdrawal, notice to the lender, and subsequent disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-12-30 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:
I am filing an additional complaint regarding Citibank , N.A . for withholding cleared funds after closing my account. 

I deposited a settlement check in the amount of approximately {$36000.00} into a new Citibank checking/savings account at a branch teller. Citibank later placed a full restriction on the account and subsequently closed the account, denying me all access. 

I have now been informed by the settlement administrator that the check was presented and cleared by Citibank on XX/XX/year>, meaning Citibank has received and accepted the funds. Despite this, my account remains closed and I have not been provided access to the funds, nor have the funds been returned to me. 

Citibanks Executive Response Office has been very rude and nasty specially XXXX stated that the matter is considered resolved on their end and that I must wait for a letter, while refusing full further communication and continuing to withhold my cleared funds. No timeline or method for returning the funds has been provided. 

This is no longer a pending deposit, fraud review, or verification issue. Citibank is in possession of cleared funds from a closed account and has failed to release or return those funds. I believe this constitutes improper withholding of customer funds following account closure.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App personal and business accounts were permanently deactivated without a clear explanation. I was only provided a generic statement that my accounts violated the Terms of Service, with no details or opportunity to correct any issue. 

My personal account was used strictly for family and personal transfers. 

My business account was used for legitimate retail merchandise sales and customer payments related to shows. Transactions were low-dollar amounts ( under {$100.00} ) and lawful. No prohibited goods, services, or activities were involved. 

Both accounts were closed simultaneously, which has caused financial disruption to my personal finances and small business operations. I have requested a manual review through Cash App support but have not received a substantive response or explanation. 

I am requesting that Cash App provide a clear explanation for the closure and conduct a manual compliance review of both accounts. I am willing to provide any documentation necessary to verify lawful activity and compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I was ripped off given synthetic hair instead of what I paid for, once discovered the merchant became hostile but was willing to refund partially or to fix it its in all of the messages. Including what I wanted and what I actually recieved. Sofi wrongfully closed my dispute inspite of evidence, XXXX  who was the payment processor recommended to my bank to refund me given the evidence provided but sofi erroneously closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Well it started in. 2020 not sure what. Month but it was during the pandemic.Bank of America froze my. Account or. Card.but said it was because of fraudulent activity and it wasn't. I bought 3 wallpapers for my phone and they froze my card and I hadvXXXX XXXX dollars on it that I was saving for XXXX and To buy a car. I called and I documented ever time I talked to them. They're name how long I talked and what they said XXXXThey would tell me it would get it in XXXX hours it never. Came months passed years passed and I continued to call. I then came XXXX  and lost Everthing Everthing I had including. The relationship with my. Daughter. That won't even talk to me. Or bring. The grand babies to even see me cause we'll I have no home then I sent me a couple of checks that wasn't even half. Of what they owed me. Plus. The. XXXX and suffering. I went through and ate still going v through no way. Then they sent v this thing where you can request finicall harm if your. Bank card was frozen. But first. You got to prove it. Which is. XXXX. Cause. I lost. Everthing. XXXX. Family all of it. But I sent. It what I had. 2 times. Amd they denied me. Saying. That it. Was enough or. It did XXXX t prove. I had any. Finicall harm. Really. They dening. Me.my own .money. which is bogus. I am homeless amd.lost my. Family because. Of their. Mistake. They made. And gon na. Denied me. Amd. My family. I don't. Have a home a now nor. Do I even have. A family. Cause of.thier. mistake.they made. This is wrong and if I have to i will.go public. With this amd.tell the world. How.bamk of. America. Froze my. Account. For. 3 years amd then. Denies me.my own money. Amd. I am XXXX  because. Of them. Amd what they did. This. Is wrong please. Help.me and my. Family. Unite before I pass way amd.it is to late. Cause I will go public. To get family. Back and. A place. To.live like. I had. Before. They. Done this.

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 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: FCI Lender Services Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX I was approved for a modification loan from XXXX XXXX earlier this year who recently transferred my loan to FCI Lender Services in XXXX whom seem to be suspicious and not supportive of my loan transfer. FCI informed me that they do not want to accept the modification loan I was approved for and now are threatening to put my home in foreclosure as they are still receiving payments. 
Please help me this was my Grandmothers home since XXXX then my Mom who have expired in XXXX. Since then I have struggled with Mortgage and have gotten help in the past. I finally was approved for Modification loan which helped me get back on with mortgage payments. I was very pleased and excited and havent missed a payment since modification loan was approved. FCI lender services seems to be a one Man company and is very suspicious, very cold hearted and I am afraid of the threat and dont know what to do at this point, I can not afford a lawyer. 
Please help me to relieve proper services that may help me Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
Good day. I must emphasize the profound frustration and debilitating impact of this situation. Upon waking one day, I discovered an unverified debt attributed to me that I have no knowledge of and that does not belong to me. This has resulted in relentless harassment across multiple communication platforms, employing various tactics, including threats of legal actionsomething I never anticipated experiencing. As a law-abiding citizen, this is deeply insulting and constitutes a blatant violation of my consumer rights. The ordeal has severely affected my mental health, leading to several sleepless nights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing a complaint regarding Discovers handling of a credit card dispute involving services not rendered and not as described. 

On XX/XX/year>, I paid {$21000.00} via Discover to XXXX XXXX for a 14-day luxury, fully guided tour of XXXX for myself, my wife, and my daughter. The total cost of the tour was approximately {$22000.00}, with the remaining balance paid using other credit cards. The tour began on XX/XX/year>. 

The tour was sold and documented as a fully guided luxury experience. However, for 7 of the 14 days of the tour, no guide was provided, significantly reducing the value and quality of the trip. In addition, multiple excursions and activities listed in the itinerary as included were not booked or paid for by XXXX XXXX, and we were required to self-pay for some activities and meals that were explicitly listed as included and to be covered by the guide.

These failures represent substantial non-performance of the contracted services. I have provided an itemized, day-by-day list detailing the missing guides, excursions, activities, and services.

Throughout the trip, we were in direct contact with the owner of XXXX XXXX, XXXX XXXX, and repeatedly notified her of the missing services. On XX/XX/year>, she explicitly acknowledged these failures and agreed in writing to refund us for both the missing guide services and the unprovided excursions, activities, and meals. Despite repeated follow-up attempts, no refund has been issued.

Most of our correspondence with the owner occurred via XXXX. Because these messages can not be forwarded, screenshots were provided as documentation. I can not provide them here since they are larger than XXXX XXXX. 

After the trip, we received a copy of a legal letter provided to one of the guides we worked with, stating that XXXX XXXX is being liquidated. We were not formally notified by the company, but this appears to explain why promised services were not provided. This letter has been uploaded as supporting documentation.

Despite extensive documentation, Discover seems to have classified this dispute as a refund not processed case and required written confirmation from the merchant agreeing to refund us. Because the merchant is non-responsive and appears to be in liquidation, this requirement makes it impossible for a consumer to obtain relief and defeats the purpose of chargeback protections.

This dispute should have been evaluated under services not rendered/ not as described, where merchant non-response and insolvency should weigh against the merchant, not the cardholder. I provided Discover with proof of payment, the original and annotated itinerary, evidence of missing services, written confirmation from the merchant agreeing to a refund, and evidence suggesting the merchants liquidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I got removed from my home and went to the bank and took {$30.00} out and the next time I looked at my bank account I had {$930.00} put into my account from XXXXXXXX XXXX XXXX XXXX  as a student loan and taken out in XXXX before I was even in XXXX I was still in XXXX at the time I did not take the money out I asked for the proof that it was me that walked in there they would not show it to me now they've had enough time to doctor it or to change it or to submit something else that it looks like me but it wasn't me I did not take that {$930.00} out and I disputed it and they refused to give me the evidence against me It wasn't me that went into that bank I did not go and take that money out I never got that money

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I deposited a check for {$1700.00} issued directly by XXXX XXXX XXXX ( financial aid overage/stipend ) into my Chase checking account, which is well over 30 days old. 

Chase placed a hold on the full amount with an availability date of the XXXX. 

On XX/XX/year>, I contacted Chase to ask which Regulation CC exception justified the extended hold. I was transferred and escalated, including to the Fraud / Deposit Holds team.

Chase representatives stated that no Regulation CC exception applies, that the hold is based solely on internal policy, and that Chase is waiting to receive funds from the paying bank before releasing my deposit. I requested specific justification and a reference number for the escalation call, which was not provided.

I requested release of funds consistent with Regulation CC or identification of an applicable exception. Chase declined and maintained the hold until the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account Jefferson Capital Systems # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX XXXX does not provide customers with an email address for written confirmation. During my call on reference XXXX XXXX XXXX XXXX XXXX stated that he could not provide any written or email confirmation regarding submission of a duplicate title request. 

My vehicle was paid in full over one year ago. The title was incorrectly sent to a bank due to a lender error under the mistaken belief the vehicle was refinanced. I was told the title was reissued on XXXX XXXX, but I never received it. 

This ongoing delay is now impacting my insurance claim. I am requesting immediate resolution and written confirmation of title release actions. Due to XXXX XXXX XXXX XXXX failure to timely release and deliver my vehicle title, my insurance company is unable to issue my settlement check. I continue to be charged auto insurance premiums while being deprived of the insurance proceeds I am owed. This has caused direct financial harm.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding MRS BPO , LLC and their attempts to collect a debt on behalf of Affirm that is the result of identity theft. 

Beginning around XX/XX/year>, I began receiving correspondence from MRS BPO regarding an alleged XXXX  account and balance that I do not owe. I did not open, authorize, or use an XXXX account, nor did I authorize any purchases associated with this debt. This account was fraudulently opened using my personal information as part of identity theft. 

I have informed MRS BPO that I am a victim of identity theft and that the debt does not belong to me. Despite being notified that the debt is fraudulent, MRS BPO has continued to contact me in an attempt to collect payment. 

I have disputed this debt as identity theft and have taken steps to protect my identity. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to cease collection efforts on debts that are disputed due to identity theft once notified and proper documentation is provided.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief