vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am filing a complaint regarding Citibanks handling of my Home Depot credit card account, which has been flagged for suspected fraud and is currently locked. There was no clear or reasonable basis provided for this fraud flag. I have maintained consistent account usage and have not engaged in any suspicious activity to my knowledge. Citibank is refusing to verify my identity using my phone number, despite the fact that I have had the same phone number for over XXXX years. This is the only phone number associated with my credit profile, the same number I used to open this account, and the same number tied to my credit reports. It is unclear why this is suddenly considered unverifiable. Instead, Citibank is requiring identity verification through a mailed letter. However, I recently moved and no longer have access to my previous mailing address. I have clearly explained this to multiple representatives, yet they refuse to update my address prior to sending verification and will not offer any alternative verification method. I have offered to verify my identity through reasonable alternatives, including providing government-issued identification, answering security questions, or completing digital verification. All of these options have been denied. As a result, I am effectively locked out of my account with no viable path to regain access. This situation is unreasonable, especially given that I am fully willing and able to verify my identity using standard methods. Citibanks refusal to : Accept a long-established and verifiable phone number, Update my address before sending critical verification, Provide any alternative method of identity verification, has created an unnecessary barrier that prevents me from accessing and managing my own account. I am requesting the following : Immediate access to an alternative identity verification method that does not rely on mailed correspondence to an outdated address. The ability to update my mailing address prior to any verification being sent. Restoration of access to my account once identity is verified. I am prepared to provide any documentation necessary to confirm my identity and resolve this issue promptly. I am also concerned that this situation may negatively impact my credit or ability to manage my account. This appears to be the result of overly rigid internal procedures that fail to account for legitimate customer circumstances, including relocation and long-established identity records. I request prompt resolution of this matter.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: OH

Complaint narrative:
We rented a room by the week at busy in express in XXXX Ohio through XXXX. US Bank was charged twice for the deposit and things got out of hand and threats were made. I filed a fraud report directed by my counsel and the fraud was overturned so I called to close the account so no more fees would insure and they refused. I was negative XXXX dollars and did not close the account until I was over XXXX negative because of fees for everyday I was negative. The is an active lawsuit against the bank and hotel. In the meantime I have a large amount of money to be deposited but can not be until I can open a banking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The account I had possessed was a XXXX dollar secure credit card so the amount that they said I owed is wrong. Also, they dont have my payment history showing, its saying I havent paid a bill and I had the credit card for a few months in 2022 and date opened is completely wrong this account was opened in 2022 I have proof for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LCS FINANCIAL SERVICES CORPORATION
State: CA

Complaint narrative:
This collection company called lcs financial services reached to me because XXXX XXXX XXXX sold my debt to them.. I DO NOT OWE this debt because NO SERVICE WAS PROVIDED by XXXX XXXX.. I originally contracted them.to help me get out of a timeshare I adquired out of XXXX XXXX but the timeshare company reached out to me after I REACHED OUT TO THEM WANTING TO CANCEL MY TIMESHARE. they agreed and i paid them an amount for the paperwotk to cancel my timeshare .. this was last year. XXXX XXXX did not provied any service at all for nothing related to my timeshare!!! therfore, I DO NOT OWE THEM ANYTHING!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I received XXXX credit card from Citi bank that I didnt apply for my pay I wasnt eligible for those cards I got phone calls from unknown people to buy gift cards I got scared and did what they told me now they want me to be responsible for the charges.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year>, Citi reduced my wifes credit limit from {$20000.00} to {$300.00} based on an Equifax score of XXXX and adverseaction reasons such as serious delinquency and delinquency date too recent or unknown. The only negative information on her Equifax report at that time was an inaccurate XXXX XXXX tradeline. We disputed that information, and on XX/XX/year>, Equifax completed its investigation through the CFPB and deleted the XXXX XXXX account from the credit file. Once the inaccurate tradeline was removed, her Equifax score increased by XXXX points, returning to XXXX, and her report now shows 100 % ontime payment history, 0 % utilization, and no derogatory marks. On XX/XX/year>, I notified Citis XXXX XXXX XXXX, provided the corrected credit information, and requested reconsideration of the adverse action. Citi has not reversed the limit reduction or reevaluated the account despite the corrected credit report. The adverse action is now based on information that has been proven inaccurate and removed. I am requesting that Citi reconsider the adverse action, restore the original credit limit, and correct any internal risk codes tied to the deleted tradeline.

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: UT

Complaint narrative:
This complaint concerns a collection account reported by Qualia Collection Services on behalf of XXXX XXXX in XXXX XXXX XXXX, XXXX. I lived at this property for approximately XXXX months. During this time, management changed after my original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which a co-tenant on the lease was awaiting graduate school admission decisions, which directly impacted our housing plans. Due to this uncertainty, we were unable to provide a full XXXX notice. We communicated this situation to the leasing office in good faith and attempted to resolve the matter reasonably. Despite these efforts, no accommodation or reasonable resolution was offered. Instead, we were informed shortly before move-out that we would be charged over {$5000.00} due to the XXXX notice provision. When I contacted the leasing office, I again attempted to resolve the issue and requested an explanation and breakdown of the charges. I was told the amount would be owed in full and sent to collections if unpaid. No itemized breakdown or meaningful explanation was provided. The charges appear to include amounts beyond the lease end date, and there are concerns that the unit may not have been re-rented in a timely manner, which would improperly increase the amount being claimed. This account was subsequently placed with Qualia Collection Services and reported to the credit bureaus without proper validation or substantiation of the debt. I have since disputed this account with the credit reporting agencies and have requested validation directly from the company. The account remains unresolved and continues to be reported despite these disputes. I am disputing the accuracy and validity of this debt, including the amount being claimed and the lack of proper documentation supporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My car isn't currently in repo statistics and my payments aren't late. XXXX XXXX has a XXXX balance and XXXX XXXX I will appreciate if they are removed. XXXX XXXX isn't correct. Please investigate all the negative items. Also I have disputed the items XXXX times and the credit bureau never responded. 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 non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
For XXXX months I have been unable to use or access funds provided via {$500.00} gift card. Each time I contact customer service I am told the case is being opened, however the case is then closed repeatedly without resolution. In XX/XX/XXXX, a prepaid {$500.00} XXXXXXXX XXXX XXXX issued by XXXX XXXX. and serviced by XXXX XXXX XXXX was purchased as a gift for me. Other gift cards from the same transaction were successfully activated and used. The card in question was used once in XX/XX/XXXX. In XXXX the purchase was returned to the retailer for a refund. In XX/XX/XXXX, the card was declined during its XXXX attempted use. When I attempted to check the balance online, the system returned a system error. When I contacted XXXX, I was told the card had been placed on hold and that the funds could not be released without the original purchase receipt and proof of return to the retailer. I sent the requested documents to the email address provided. Despite submitting documentation multiple times I have been told the docummentation was not received and the case would be closed. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and resent the information again and again. I repeatedly received automated responses requesting the same information. Representatives also provided conflicting guidance about whether the documentation I submitted was sufficient. Recently, in XX/XX/XXXX, XXXX changed its explanation and claimed the case was being reviewed and that I would receive a new card within XXXX days. This contradicts earlier statements that the card was placed on hold and raises further concern, as prepaid gift cards are normally activated at the point of sale. I called again on XX/XX/XXXX and was told the case was closed and no supervisors were available to help me. But someone from the " back-end '' team would call me. No explanation has been provided for the conflicting information or for why the card remains unusable despite proof that the purchase transaction occurred. I am requesting reimbursement of the {$500.00} balance immediately. They are now stealing my money. This is fraudulant activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a second generation Citibank account holder, having held my account ( XXXX ) with them for over a decade. Late XXXX, my account XXXX was hacked and subsequently drained. In XX/XX/XXXX, both my savings ( ending in XXXX ) and checking ( ending in XXXX ) accounts were compromised. An individual other than myself gained access to my accounts, changed my password, transferred {$5200.00} from my savings to my checking and subsequently created XXXX unauthorized wire transfers totaling {$4900.00} to a payee by the name of XXXX XXXX Specifically, XXXX wire transfers of {$1800.00} ( reference # XXXX, reference # XXXX ) and one wire transfer of {$1300.00} ( reference # XXXX ) were executed without my knowledge or consent. These transactions were not initiated, authorized, or approved by me and resulted from unauthorized access to my account. Additionally, a total of {$75.00} in transaction fees were spent at my expense, without consent. At no time did I initiate or approve any transfer from my savings account to my checking account, or to wire transfers to the stranger XXXX XXXX during the period in which these transactions occurred. XX/XX/XXXX at XXXX my password was changed without my consent or authorization. At XXXX the payee XXXX XXXX was added to my account without my consent or authorization. At XXXX my account was set up for XXXX Transfers without my consent or authorization, a service I have never needed from Citibank prior. The three fradualent wires occurred from XXXX XXXX to XXXX. I did not approve any transactions related to these transfers. The next day on XX/XX/XXXX, I reported the fraudulent activity to Citibank and initiated a fraud investigation ( XXXX ID # XXXX ). In the weeks that followed, I made repeated attempts to obtain updates from Citibanks fraud department but was unable to receive substantive information regarding the status or findings of the investigation. On XX/XX/XXXX, I received notice from Citibank that the investigation had been concluded and that my claim for reimbursement was denied. I subsequently requested that the case be reopened, as well as submitted multiple additional disputes. Despite these efforts, Citibank has maintained its position and continues to deny reimbursement. Citibank has failed to provide any evidence demonstrating that these wire transfers were authorized by me. At no point did I initiate, approve, or benefit from these transactions. The bank has not substantiated its conclusion that the transactions were valid or authorized. Citibank has failed to provide any evidence demonstrating that these wire transfers were authorized by me. At no point did I initiate, approve, or benefit from these transactions. The bank has not substantiated its conclusion that the transactions were valid or authorized.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/2026, my peer-to-peer payment account was abruptly deactivated by Cash App. The company provided only a vague statement alleging activity that may have violated its Terms of Service, without identifying any specific transaction, date range, conduct category, or policy provision. I submitted an appeal immediately on the same day, XX/XX/2026. Despite my prompt response, Cash App failed to acknowledge or meaningfully address the appeal for nearly XXXX weeks. After filing a XXXX complaint on XX/XX/2026, a Cash App Complaint Operations XXXX responded on XX/XX/2026, stating that an additional review had been completed and that the account would remain permanently deactivated. However, the response still failed to identify the factual basis for the decision and cited only a generic reference to the Terms of Service. I replied in writing the same day requesting a general description of the activity category involved, the approximate date range under review, whether the decision was based on automated fraud screening or linked account associations, and whether additional documentation could be submitted. On XX/XX/2026, another representative responded that the account would remain deactivated and stated that there is nothing else we can do for you at this time, without answering any of my clarification requests. My complaint is not simply the closure itself, but the companys failure to provide a meaningful appeal process, failure to explain the basis of its adverse action, and refusal to answer reasonable follow-up questions even after an additional review was claimed. This conduct is especially concerning in light of the CFPBs prior enforcement findings against Block regarding inadequate investigations and poor complaint handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NC

Complaint narrative:
I am filing a complaint regarding a debt collection matter involving inconsistent and conflicting billing statements. I received multiple invoices for the same account, with identical invoice numbers and dates, but different total balances. One invoice shows a significantly higher balance due to additional charges labeled as ACH/Service Fees which were not clearly disclosed or explained. I dispute the accuracy of this debt and believe the amount is being improperly inflated. I have not received a clear itemized breakdown or justification for the increase in balance. This appears to be a misrepresentation of the amount owed and a failure to provide proper validation of the debt. I am requesting : - A full itemized breakdown of all charges - Explanation of added fees - Verification of the correct balance - Correction or removal of any inaccurate reporting I am also requesting that all collection activity be paused until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I authorized a payment of {$10000.00} USD through my Chase checking account to a website operating under the domain wwfifa.com, which was impersonating the legitimate site fifa.com. The payment was processed as an ACH transfer and ultimately credited to an account at XXXX XXXX XXXX held in the name XXXX XXXX XXXX XXXX, account number XXXX. The merchant used the email XXXX. I discovered the website was fraudulent on XX/XX/year>, after the promised tickets never arrived and all attempts to contact the merchant failed. - XXXX : I completed checkout on wwfifa.com and authorized an ACH payment of {$10000.00} from my Chase account. - XXXX : The ACH debit posted to my Chase account and funds were routed to an account at XXXX XXXX XXXX in the name XXXX XXXX XXXX XXXX ( Acct No. XXXX ). - XXXX to XXXX : I received an onscreen confirmation but no tickets, tracking, or legitimate followup from the merchant. - XXXX : After repeated unsuccessful attempts to contact the merchant and no delivery of tickets, I concluded the site was fraudulent and reported the matter to my bank. - After reporting : My bank denied reimbursement on the basis that I initiated the transaction, asserting it was authorized. - but transaction is a fraudulently induced transfer and therefore meets the definition of an unauthorized electronic fund transfer under 12 C.F.R. 1005.2 ( m ) because I received no benefit and did not give actual authority to the recipient

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'Product: Checking or savings account\nIssue: Unauthorized transaction / Problem with a fraud or scam \n\nWhat Happened:\n\nOn XXXX XXXX XXXX, my laptop was compromised via a remote-access "blue screen" overlay. Simultaneously, I received SMS verification codes for adding unauthorized XXXX and wire recipients (XXXX XXXX XXXX and XXXX XXXX). \n\nI immediately called Wells Fargo (WF) on XXXX XXXX to report this unauthorized access. WF froze my accounts and opened Case XXXX XXXX XXXX for a XXXX unauthorized XXXX transfer. \n\nCritically, although I reported that my security was compromised and unauthorized recipients were being added, WF failed to detect a simultaneous unauthorized XXXX wire transfer during that initial call. This failure prevented me from initiating a wire recall during the "Kill Chain" period (XXXX XXXX) when success is most likely. \n\nI discovered the wire transfer myself on XXXX XXXX XXXX, when visiting a branch to unfreeze my accounts. WF has since consolidated the claims but incorrectly changed the reporting date to XXXX XXXX. This delay is an error by the bank, as I fulfilled my duty to report the breach on XXXX XXXX. \n\nI am seeking a full reimbursement of the XXXX wire, as this was an unauthorized transaction and reported immediately upon discovery. (It is my understanding that WF has or will return the unauthorized XXXX Zelle transfer.)\n\nWhat is a fair resolution?\nFull reimbursement of the unauthorized XXXX wire transfer.'

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