vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Identity theft multiple accounts and my information being sold to companies for personal gain

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citibank credit card that has been opened for several years and was recently involved in a fraudulent transaction which resulted in the card being added to another individual 's XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ). I have called the bank several times requesting the mobile/digitalwallets to be canceled and to revoke digital tokens in order to prevent further fraudulent activity and was told they would not verify my account. I offer to provide multiple pieces of information and spoke with a supervisor who told me there was nothing else she could do. I am currently unable to use my card, I am unable to cancel this credit card, and it is still linked to another individual 's mobile wallet. The customer service Representatives have also hung up on me several times and did not provide a resolution for me to be able to access my own account. I need assistance with closing my account and getting past this extreme roadblock of verification they are not allowing me to go through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
To : Ability Recovery Services , LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Notice of Mistaken Identity / Dispute of Debt Reference Number : XXXX Name on Letter received : XXXX XXXX XXXX XXXX It XXXX Concern, I am writing in response to the letter I received from your office dated XX/XX/year>. I am formally disputing this debt. This debt is not mine. I am not the individual who opened or owes this account. It appears your office has confused me with another consumer who shares a similar name. Please note the following : * I have never had an account with the original creditor listed. * Do not associate my Social Security number or my address with this account. * Any attempt to report this negative information on my personal credit file will be considered a willful violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Please update your records to reflect that I am not the debtor you are looking for. Send me written confirmation that you have closed this file regarding my name, phone number, and address, and that no information will be reported to the credit bureaus.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2026. I received a phone call about fraudulent transactions currently happening through my checking account. On the call they stated my last 4 transactions. which were accurate. Then another transaction was stated that wasnt accurate. It was for XXXX. They said someone gained access through my XXXX XXXX and that I had to put it back into my XXXX XXXX to get it back. Before I did that, I checked my online banking and I couldn't log in because someone already changed my credentials, so I was locked out. Because they listed the last 4 transactions i trusted that if I transferred the money to my XXXX XXXX it would be retrieved. So I did. Once I did that, the money was taken from my card and then transferred somewhere else. Removing it from my banking account and my XXXX XXXX They asked for more money and to send it to XXXX using a phone number. I hung up the phone called Wells Fargo and asked about the transaction, they said it already happened and that my online banking was hacked and that I needed to change my credentials, so I did. The money was taken out, i told Wells Fargo that it was fraud and they denied my claim.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
A deposit was made for my daughter in our joint account. Truist said it was fraud and had to investigate. I called every day and no one told me why or where my funds were being held. They just told me they wasnt going to release my funds and they closed my account after two and a half weeks of me going back and forth.

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 2026-06-16 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: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX deposit of {$4000.00} was received through XXXX XXXX. That same day at XXXX XXXX, {$4000.00} was auto-transferred from XXXX XXXX to Citibank Online XXXX XXXX XXXX provided documentation showing the funds were transferred and that Citi received the funds. After Citi received the transfer, Citi locked/restricted my account and told me it was under review and that nothing could be done until the review was completed. During the review, I could log in, but my checking account was not visible. On XX/XX/year>, the review ended, but the {$4000.00} was still not posted or made available to me. On XX/XX/year>, I called Citi and filed a dispute/error claim regarding the missing funds. The call lasted approximately 1 hour and 31 minutes. I have proof of the call and a recording. Citi also left notes about my XX/XX/XXXX call. However, when I later called to check the status, Citi acted as if I never filed a dispute and did not provide a claim number or resolution. This is a missing/withheld electronic funds transfer issue. Citi received the funds, restricted my account, completed its review, and then failed to make the funds available. Citi is also failing to recognize my XX/XX/XXXX dispute/error notice. I am requesting that Citi : 1. Backdate my dispute/error notice to XX/XX/year> ; 2. Provide the dispute/claim number ; 3. Preserve and review the XX/XX/XXXX call recording, call notes, account review notes, and transfer records ; 4. Trace the {$4000.00} transfer from XXXX XXXX to Citi ; 5. Immediately make the funds available or provide provisional credit ; and 6. Provide a written explanation if Citi refuses to release the funds or refuses to treat XX/XX/XXXX as my dispute date. Citibank has already been sued in New York v. Citibank, N.A., XXXX. XXXX, where the complaint alleged failures to provisionally credit consumers within ten days of notice under EFTA/Regulation E. I gave Citi oral notice of my dispute on XX/XX/XXXX, during a 1 hour 31 minute call. I am requesting that Citi preserve and review that call recording, backdate my dispute to XX/XX/XXXX, provide the claim number, and issue provisional credit or provide a written legal basis for refusing.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I called bank to speak with someone about my debit card being in the negative for no reason and no one could give me a valid reason or a solution instead they are telling me to go through my account and find what is wrong which is not my job. I asked to speak with supervisor and her response was different from previous agent. She overtalked me the entire time and then she hung up the phone on me preventing me from handling my issue and causing me financial distress. The supervisor name is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TClub Inc
State: MO

Complaint narrative:
It's like a months since I transfer ( remittance ) XXXX Now company has stopped responding/not making any communication with me, I wrote to multiple level of Abound management which is registered at address at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This are habitual in making delay which raise XXXX XXXX to me many times, I have multiple transition with them, all are out of there committed time line.

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 2026-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Debt has been paid in full and needs to be removed from my credit report. Account # XXXX Confirmation # XXXX {$190.00} was paid in full to XXXX 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 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> I was scammed into moving my money out of my accounts to cash app then out of cash app to a card that ended up being the scammers. I immediately reported it to the bank and to cash app and the bank started an investigation. They determined that since I did the transactions that I was not scammed into it apparantly. If they would look at my history they sould see that I have never moved all my money out to anywhere and how is anyone supposed to prove tht they were scammed other than looking at my history. I was scammed out of XXXX, its not like it was XXXX I work hard for the little bit of money I have in my accounts and yes, I was stupid to fall for the scam but it should be noted that my history proves I have never done that before and I have been a customer for years. I am pleading for them to please reveiw again as that was all that I have. Thank you

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
* * Complaint Against Regions Bank * * On XX/XX/year>, I requested a replacement debit card from Regions Bank. I never received the replacement card. On XX/XX/year>, I discovered several unauthorized transactions on my account and immediately reported them to Regions Bank. I closed the card and filed a fraud claim. The unauthorized transactions were : * {$600.00} at Bank XXXX XXXX XXXX, XXXX, TX ( XXXX ) * {$180.00} at XXXX XXXX XXXX, XXXX, TX * {$250.00} at XXXX XXXX # XXXX, XXXX XXXX, TX I did not authorize any of these transactions. I do not know how the individual responsible obtained my card information or PIN, and I never shared my PIN with anyone. My primary concern is that I never received the replacement card I requested on XX/XX/XXXX, yet fraudulent transactions were later conducted on my account. On XX/XX/year>, Regions Bank denied my fraud claim. Due to my concerns regarding the investigation and the security of my account, I went to a Regions branch. During my visit, the banker reviewed the situation with me and recommended that the claim be reopened. On XX/XX/year>, the fraud claim was reopened for further review. Despite reopening the claim, Regions Bank ultimately denied the claim a second time. I do not believe the bank conducted a reasonable investigation or adequately addressed the fact that I never received the replacement card before the unauthorized transactions occurred. Regions has not provided a satisfactory explanation of how transactions could have been completed using information associated with a replacement card that was never received by me. I reported the fraud promptly upon discovering the transactions and fully cooperated with the bank 's investigation. However, I continue to be held responsible for charges that I did not authorize. I am requesting that Regions Bank : 1. Conduct a thorough and independent reinvestigation of my fraud claim. 2. Provide all documentation, evidence, and findings used to support the denial of my claim. 3. Explain how a replacement card that was requested but never received could have been used to conduct these transactions. 4. Reimburse me for the unauthorized transactions totaling {$1000.00}. I am seeking assistance from the CFPB because I believe Regions Bank failed to properly investigate my claim and did not adequately consider the significant fact that the replacement card was never delivered to me before the fraudulent transactions occurred.

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending XXXX ) 2. XXXX XXXX XXXX Collection ( Original Creditor : XXXX ) 3. XXXX XXXX Credit Card ( Paid Settlement Account ) 4. XXXX XXXX XXXX Charge-Off Account 5. XXXX XXXX Charge-Off Account 6. XXXX XXXX XXXX XXXX Charge-Off Account 7. XXXX XXXX XXXX Collection Account 8. XXXX XXXX XXXX Collection Account 9. XXXX XXXX XXXX XXXX Line of Credit Charge-Off 10. XXXX XXXX XXXX XXXX Unsecured Loan Charge-Off 11. XXXX XXXX XXXX XXXX Auto Loan Charge-Off 12. XXXX XXXX XXXX XXXX Credit Card Charge-Off 13. XXXX XXXX XXXX XXXX XXXX Mortgage Late Payment Reporting 14. XXXX XXXX Late Payment 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 non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: WI

Complaint narrative:
We received notice and we responded that we disputed debt and requested proof of who owned the debt, we did not receive any word back and then we were getting our check garnished. We contacted payroll who informed us who was garnishing us. I called several times before I got a response and was informed that they were not receiving their mail so they were not receiving the disputes. They took it to court without notifying us. Garnished us without notifying us. Will not respond to emails or phone calls. We have attempted to work with them but they will not respond. The company is Sykes, Bourdon, Ahern, and Levy pc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
At approximately XXXX XXXX on XX/XX/year> I went into the Well Fargo branch located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX to cash 3 checks and I was XXXX profiled, discriminated against, denied service, verbally attacked, and escorted out. Initially, when I presented the checks, the teller informed me that there was a {$10.00} check cashing fee for each check. I thought this was excessive considering the checks were drawn on Wells Fargo Bank and it does not seem right that a bank can charge a fee to 'Pay to the Order of " their own check. Because of the fee, I decided to only cash one of the checks. I presented the check and my Florida Driver 's License. The teller then asked me for a second form of ID, apparently because my state issued ID was not sufficient, so I produced the second ID. The teller scrutinized my IDs, scrutinized the check, and scrutinized the computer and then beckoned to her colleague telling her colleague that she needed an 'override '. When the colleague arrived, the teller informed her that everything looked alright. The colleague then scrutinized my IDs, scrutinized the check, and scrutinized her computer and confirmed everything was in order. She then instructed the teller to call the issuer of the check and verify they had actually written it. I my life, I have never had a bank or any other check cashing establishment call the issuer of a check to verify they had written the check I was cashing. At this point I felt racially profiled and discriminated against. The teller calls the issuer, who confirmed she wrote the check and how much it was for. The teller comes back to me and asks me to present my IDs, which she and her colleague had both already scrutinized, again, as if neither did what they were supposed to have done with it before. I was being racially profiled and I said so. The Drive-up teller, who heretofore had not been a part of anything, interjects herself by verbally assaulting me. When I told her that I was not speaking to her she raised her voice, so I raised mine. The colleague to the original teller to return the check denying me service. I was then escorted out of the bank.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
This is for a Barclay 's XXXX XXXX Credit Card. Bills were sent to my email spam filter exclusively. No warnings of late payment were received. Once I realized payment was late ( when I tried to make a purchase last month on the card ), they refused to accept my payment, saying it was sent to collections. Now credit is ruined and, weeks later, I still have not been contacted by a collections company. I asked Barclay 's how I could make payment the moment I learned a payment was due and they refuse to accept payment. I sent a check but it has not been deposited. They refuse to tell me anything or work with me to accept payment so I am completely without remedy, despite being willing to pay off all outstanding debt.

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 2026-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NC

Complaint narrative:
UPDATE : On XXXX XXXX XXXX XXXX XXXX, Makwa Finance sent a settlement offer claiming I owed {$830.00} in " principal. '' Their own Truth in Lending Disclosure confirms the loan was made at 500 % XXXX with {$4200.00} in finance charges clearly usurious under XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX. XXXX caps consumer interest at 30 % APR ). I have responded rejecting the settlement and demanding written confirmation that : XXXX. The account is closed with {$0.00} owed XXXX. No collection will continue XXXX. No credit reporting will occur XXXX. The account will not be sold to a debt buyer XXXX. The portal balance will be zeroed I have also noted that XXXX previously blocked my email address from incoming messages while continuing to send outbound collection emails from the same address a one-way block constituting bad faith under 15 U.S.C. 1692e and 1692f. Attached : Truth in Lending Disclosure, portal screenshot, settlement email, and my response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NC

Complaint narrative:
I filed a dispute for fraudulent charges on my account. There are several credit debit and transfer transactions on my account. Im not sure how or when my account was hacked. I Have ordered several cards that I still havent received. I dont know if someone is stealing my mail or what. the dispute claim numbers are : XXXX and XXXX. As i stated i did not initiate or benefit from these transactions and transfers in any way. I wanted to use this bank to build up a savings and these are the problems i was warned about when it comes to these types of banks.

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