vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 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: TX

Complaint narrative:
On XX/XX/year> I was sent an email from Citi Bank saying my XXXX preferences were no longer active. I logged into the Citi Bank app and my account says the word BLOCKED and I didnt have access to see anything. I called Citi Bank customer service line ( XXXX ( XXXX ) XXXX ) and was told be a representative my account was initiated for closure and I wouldnt XXXX able to make deposits or purchases with the account. I asked the agent 3 times about deposits because I had my employer and other financial services connected with the checking account. The agent told me the deposit would be blocked and sent back. On XX/XX/XXXX & XXXX I was notified by email that a deposit was made on both of those days. I called Citi Bank customer service line to confirm the information I was emailed. I was told that the deposits were credited to the account and I wouldnt receive anything until 60 days. I asked to confirm the amounts deposited into the account and was told I couldnt be told the amounts and thats I would have to wait on a check. I called on XX/XX/XXXX and was told by a different agent that I would have to wait and they couldnt give me any information and I wouldnt be able to speak with a supervisor. As of today XX/XX/XXXX, I spoke with another representative and was told I would have to wait 60 days to receive a check. I asked to speak with a a supervisor and I told the supervisor everything I was told. The supervisor told me that there isnt other information to be told to me & I would just have to wait for a check to be sent to my address on file. I asked the reason for the account closure and wasnt given an 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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 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 2026-06-18 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: NY

Complaint narrative:
This is a supplemental complaint to active case ( XXXX ) regarding systematic FCBA Violations : This complaint is directly linked to my active, pending complaint against Citibank ( Sent to Company - XXXX ). On XX/XX/year>, while my billing dispute regarding a fraudulent XXXX XXXX bait-and-switch transaction ( {$170.00} from " XXXX XXXX XXXX XXXX ) was active, Citibank 's automated dispute queue issued an official determination letter ( attached ). In this letter, Citibank explicitly states : " Unfortunately, we are unable to continue your dispute as we have determined the merchant is unwilling to issue a credit. '' This is a flagrant violation of the Fair Credit Billing Act ( FCBA ). A credit card issuer can not legally abandon a merchant fraud/amount error dispute simply because a fraudulent street vendor refuses to voluntarily return the stolen funds. Furthermore, despite the fact that this billing error is under active federal escalation, the letter explicitly threatens to report my account as past due to XXXX, XXXX, and XXXX. Threatening a consumer 's credit rating while a billing dispute is actively being contested is an explicit violation of federal collection restrictions under the FCBA. Citibank 's internal systems are fundamentally broken and non-compliant. I request that corporate compliance step in immediately, cease these unlawful collection threats, and permanently credit the account for the fraudulent amount.

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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NV

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I was a victim of Identity theft in 2018 there were multiple accounts opened up in my name fraudulently. IC SYSTEM is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. 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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Pursuant to 15 usc 1681c2a3, the following accounts and inquiries are specifically identified as fraudulent and unauthorized, and not related to any transaction by me these items must be Blocked from reporting within XXXX XXXX business days.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I always pay off my credit card each and every month. On XX/XX/year>, the Citi bank application said I owed {$1400.00} which I paid in full and on time. After payment went through on the due date, I saw an interest charge of {$110.00}. I called Citi bank to dispute this interest charge. They told me the amount I was supposed to pay was XXXX or around {$50.00} more. I explained I paid what the app said I was due to pay. They said well, nothing we can do about that and we will not be waiving the interest fee. This is a major issue and something needs to be done. I can not imagine how many other times this has happened to others.

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 2026-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Company : Ally Financial Category : Auto Loan / Lien Release What happened : In XXXX I financed a XXXX XXXX through Ally Financial for approximately {$17000.00} at 18 % APR. In XXXX I attempted to refinance with XXXX XXXX XXXX XXXX to secure a lower interest rate. XXXX XXXX reached out to Ally multiple times to facilitate the refinance. Ally was unresponsive, causing the refinance to fall through. This was confirmed to me by XXXX XXXX on a recorded call. As a result I was stuck paying 18 % interest for approximately 4 years longer than necessary, costing me an estimated $ XXXX {$5000.00} in excess interest charges. The refinance with XXXX XXXX has since been completed. Ally is now refusing to release the lien on my vehicle to me directly or to the DC DMV, stating that only XXXX XXXX can request it. This is preventing me from selling my vehicle to a third party buyer and causing continued financial harm. I am requesting that Ally Financial release my lien immediately and provide compensation for the excess interest I was forced to pay due to their negligence. Desired Resolution : Lien release issued immediately and reimbursement for excess interest paid.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received an email and a text message stating that I opened a checking account with U.S. Bank. I do not bank with U.S. Bank and I wish to get it removed and closed from my history.

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 2026-06-18 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: KS

Complaint narrative:
Wells Fargo has allowed a debt collector to take my XXXX money XXXX different times when my XXXX money is federal money not only did they allow it they also have not once send me the pin number for my debit card multiple times and they have charged me multiple times for overdraft fees when my account had been under their overdraft protection since day XXXX and any time I went to use my debit card I had to call wells fargo everytime i go to use my debit card and they ended up sending me to the fraud department to verify some information and the fraud department would unlock my debit card and here recently they had to issue a new debit card and the lady who issued the new debit card she did not send out the pin she also cancelled my overdraft protection and a couple of other things and when I called and talk to the representative he was rude and his supervisor was also rude towards me she hung up on me... If I could I would rate this XXXX overall

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I was rear-ended XX/XX/XXXX. Ive never caused nor collected on a car accident and 35 years of driving in 50 years on this earth as a passenger the other parties insurance XXXX excepted 100 % liability. My vehicle is a XXXX XXXX cross track then on that particular vehicle has two finalized class action lawsuit specific to the safety features as well as a background and some other issues like exploding windows because of these problems I had to take it directly to the XXXX dealership to check it for any mechanical issues cause foods are coming from the bottom of the car after the accident to see if it was even safe to try XXXX XXXX to the body shop that was certified to do it because the dealership doesnt have XXXX they did no diagnosis nothing send it to Some shop that they knew not to be certified without my consent when I found out and contacted the shop. He stated that he would give me an estimate using XXXX XXXX parts and let me know if there was any problems. He did not do that. I got no estimate from him. I signed the authorization he did what he wanted. He voided my warranty under the eight year XXXX XXXX mile safety federal class action requirements I had sent a season to XXXX telling him not to pay him anything. They had made a direct payment to him for {$740.00}. He was owed another XXXX according to him, but I never saw an estimate when I refuse to pay it because XXXX XXXX XXXX said if I pick a car up, it would finalize voiding everything. The body shop stated there were no storage fees when he could not get a lien through the North Carolina XXXX state police because Ive already contacted them. He went directly to my lender. They paid him XXXX XXXX, even though I told them that this was fraud the only attorneys in our state our personal injury they wont help with property, even while rights are being violated. His only offer was to not pursue loss of use or fraud or any of the rights and laws to protect me the consumer and did you see if he can talk XXXX and giving him {$1100.00} to give to the bank and the bank would give me the car back and I could just pay off the additional fraudulent {$6000.00} in addition to losing about {$15000.00} in diminished value as well as the safety warranty for the head unit that needs replaced which already cost $ XXXX {$15000.00} Ally ignored me. XXXX ignored me and the attorney is just telling me to take my losses stating that I cant win everything XXXX havent won anything. Ive done nothing but lose. I will die on this hill and I will burn everything down with me.

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 2026-06-18 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: Experian Information Solutions Inc.
State: OH

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 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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, Lockhart , Morris & Montgomery , Inc. responded to CFPB Complaint No. XXXX. However, the company did not provide its response through the CFPB portal. Instead, the CFPB advised that the company sent its response directly to the consumer and provided a copy to the CFPB, while withholding the contents from the public complaint record. My original complaint requested debt validation under the FDCPA, including documentation sufficient to establish the validity of the alleged debt, the amount claimed, the identity of the original creditor, and Lockhart , Morris & Montgomery 's authority to collect the account. The purpose of the complaint was to obtain complete validation and ensure that all collection activity and credit reporting were supported by accurate and verifiable records. Because the company 's response was not disclosed within the CFPB portal, there is no way to determine from the complaint record whether Lockhart , Morris & Montgomery fully addressed the validation requests, provided all requested documentation, or supplied evidence sufficient to establish the legal enforceability and accuracy of the alleged debt. The CFPB complaint record contains no explanation of what documentation was provided, what investigation was performed, or whether the company addressed each item requested in the validation demand. As a result, the complaint record does not demonstrate that the requested validation was fully provided or that the company adequately addressed the concerns raised regarding the alleged debt. I continue to seek confirmation that all requested validation materials were supplied and that the account information has been verified in compliance with applicable federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Good day. I am submitting this complaint regarding a collection account that has appeared on my credit report and is causing me significant distress. It is incredibly frustrating and alarming to discover a debt that I do not recognize, can not verify, and do not believe belongs to me. Since this account appeared, I have been subjected to repeated collection attempts and communications through various channels, including what I perceive as threats of legal action regarding an obligation I know nothing about. As a law-abiding consumer, I find it unacceptable that an unverified and disputed collection account continues to be reported and used against me. This situation has taken a serious toll on my emotional well-being, caused considerable stress, and has even affected my ability to sleep. No consumer should be forced to endure the consequences of a debt that has not been properly verified and does not belong to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Card was opened on XX/XX/year> online, I called in to see if I could cancel my application but only option I got was to close the account. I was hoping I could talk to a person about closing to close it and have it not report to my credit since it was same day. The card was closed automatically by the phones automatic system, and when I got to a representative they told me they could not re-open the account, and I would need to re apply for the card to get a new one. No offer to assist me further. No confirmation was given to close my card. I was told I would need to re apply for the card, yet they are no longer taking applications for this card and were persistent that they will NOT re open the card despite it being closed by an XXXX XXXX without confirmation. At this point, given the customer service I have received, the card being opened and closed the same day, especially closing without confirmation, and no longer taking applications, I would like to simply ask that this card be removed from my credit report entirely. I would NOT like it to reflect as any open or closed account on my credit, rather just remove it entirely.

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