vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I visited the Citibank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, for the purpose of opening a bank account for my XXXX daughter. I presented her State ID and Social Security card. During profile creation, the employee questioned my daughter 's multi-part name. When I clarified her two middle names, the employee openly laughed and made a derogatory joke, stating : " Oh, you couldnt just pick one? '' The employee then created an arbitrary roadblock, claiming that a recent " policy change '' meant my daughter 's name was " too long '' for the system. She pressured me to alter the legal name on the account, stating we would have to " hope for the best that the account isnt blocked and you have to close it. '' The employee further stated that her supervisor or manager would contact me if there was something wrong and if the account needed to be closed, noting that she herself would be out of the office all next week. Upon returning home, I called the official Citibank corporate customer service line to verify this alleged naming policy. The corporate agent explicitly stated they had no knowledge of any such policy and confirmed that my daughters account should remain open and secure unless actual fraudulent activity occurs. The branch employee 's fabrication of bank policy, open mockery, and threatening statements regarding account closure constitute a discriminatory denial of the full and equal enjoyment of a place of public accommodation based on my family 's ancestry and national origin.

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 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Alleged Debt and Revocation of Consent to Electronic Communication Account No. : XXXX To Whom It May Concern : I am writing in response to your communications regarding the above referenced account. I dispute owing any and all alleged debts to your company and to any creditor you claim to represent. This letter is to notify you that I do not acknowledge, admit, or accept liability for any such debts. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I request that you : XXXX. Cease all collection activities on this account until you have provided full validation of the alleged debt, including : The name and address of the original creditor ; A complete itemization of the amount you claim is owed, including principal, interest, fees, and any other charges ; Copies of any contract, agreement, or other documents bearing my signature that you contend create a legal obligation for me to pay ; Documentation that you have the legal right to collect this alleged debt. XXXX. Cease and desist from all electronic communications with me. I hereby revoke any and all consent you may claim to have to contact me by : Email ; Text message or SMS/MMS ; Social media or any other electronic/digital means. From this point forward, you are not authorized to contact me by email, text, or any other electronic method under any circumstances. Any further communication from you must be in writing and sent only by U.S. mail to the postal address listed at the top of this letter. If you fail to provide proper validation and continue collection efforts, or if you continue to contact me electronically after receipt of this letter, I will consider your actions to be knowing and willful violations of applicable federal and state debt collection and consumer protection laws. In that event, I will document all violations and consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and any other appropriate regulatory agencies, and I will consider all legal options available to me. Nothing in this letter should be construed as an acknowledgment of the alleged debt, an admission of liability, or a waiver of any of my rights and defenses under federal or state law. I expressly reserve all rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft and a digital device/token compromise that resulted in unauthorized charges on my Apple Card account. The perpetrator gained access to my personal data and financial ecosystem, executing fraudulent transactions at an Apple, XXXX, XXXX retail location without my authorization.This is a high-dollar felony theft totaling nearly $ XXXXacross my household accounts. A formal police report has been filed with the XXXX Police Department under Case XXXX.Under the federal Fair Credit Billing Act ( FCBA ), my liability for unauthorized credit card charges is capped at {$0.00}. I am disputing these charges and demand that Goldman Sachs Bank USA permanently remove all fraudulent transactions, interest, and fees from my statement, and issue a new account number to protect my identity. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
In XX/XX/year>, I sent a written dispute letter to Consumer Adjustment Company regarding a {$1000.00} debt on my credit report. This debt is not mine. I have never received any validation notice or proof of this debt. Consumer Adjustment Company never responded to my dispute. The account remains on my credit report. I am requesting immediate deletion. Complaint # 2 Consumer Adjustment Company ( {$1000.00} ) Complaint Type : Debt collection Company Name : Consumer Adjustment Company Company Address : _______________________________ Issue Description : Consumer Adjustment Company is reporting a collection account on my credit report for {$1000.00}. I do not recognize this debt. I have never received any letter or notice from this company explaining the debt or my rights to dispute it. Under 15 U.S.C. 1692g ( a ), I am entitled to validation of this debt. Consumer Adjustment Company has provided nothing no original creditor name, no account number, no proof that I owe this amount. FCRA Violations : 1681s-2 ( b ) Furnisher failed to investigate accurate reporting Requested Resolution : Investigate this account and require Consumer Adjustment Company to provide full validation or delete it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc.
State: AZ

Complaint narrative:
Mercari has wrongfully withheld my earned balance of {$1700.00} since XX/XX/XXXX. My legal name and address are confirmed in my Mercari account settings. Mercari blocked my withdrawals citing incomplete identity verification. I attempted to upload my government ID multiple times through their app and through their third-party vendor XXXX, whose system repeatedly failed to process my valid documents. This is Mercari 's vendor and Mercari 's technical failure. Most critically : on XXXX XXXX XXXX I successfully completed verification. My account showed email, phone, and government ID all marked Verified. Despite this, I still could not withdraw my money. I contacted Mercari on XX/XX/XXXX asking why I could not access my funds despite being fully verified ( Ticket # XXXX ). On XX/XX/XXXX at XXXX XXXX, Mercari emailed me stating they were unable to process my documents, meaning a Mercari agent manually reversed my verified status after I proved I was verified. XXXX XXXX XXXX then posted in my ticket as if verification had never been completed. This proves two things. First, I was fully verified and Mercari still refused to release my funds, meaning verification was never the actual barrier. Second, after I proved I was verified, Mercari reversed my status, creating an endless loop to prevent me from accessing my earnings. Over 7 months I contacted Mercari through every available channel with no resolution. Support tickets included reference numbers XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, and XXXX opened XX/XX/XXXX. I also called ( XXXX ) XXXX on XX/XX/XXXX and contacted Mercari via XXXX on XX/XX/XXXX. Every contact received identical boilerplate responses from agents XXXX XXXX and XXXX XXXX, repeatedly referencing my former username as a separate person despite my account clearly showing my legal name. On XX/XX/XXXX, Mercari agent XXXX XXXX explicitly told me to refrain from opening multiple tickets and phone calls. Mercari was actively discouraging me from pursuing resolution through their own support channels while indefinitely holding {$1700.00} of my earned money. This directly contradicts Mercari 's claim to the XXXX XXXX XXXX that they made a good faith effort to resolve my complaint. I previously filed XXXX Complaint # XXXX on XX/XX/XXXX. In their formal written response, Mercari admitted they are holding my funds indefinitely citing Section 9 of their Terms of Service. However I completed verification and they still refused to release my funds and then reset my verification, making their Terms of Service justification pretextual. I am requesting the immediate release of my {$1700.00} in earned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
Im requesting the 1099 C for the debit. Per the collection status debit was charged off. When the debit is charged off the collector received a tax break on the debit. Im requesting the copy of the 1099 C. I am allowing thirty days for resolution if not I will sue for statutory damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: MN

Complaint narrative:
So I applied for a loan and on the agreement contract it didnt say that there was gon na be a XXXX XXXX XXXX and at the time I declined until Ive recently looked where my money was going but its because of this loan I thought declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
For LVNV Funding ( {$1100.00} ) In XX/XX/year>, I sent a written dispute letter to LVNV Funding requesting validation of a {$1100.00} debt they are reporting on my credit report. I stated that this debt is not mine and I have no knowledge of it. LVNV Funding never responded and never provided any proof that I owe this debt. Despite my dispute and their failure to validate, LVNV Funding continues to report this account to credit bureaus. I am requesting immediate deletion of this account. Complaint # 1 LVNV Funding ( {$1100.00} ) Complaint Type : Debt collection Company Name : LVNV Funding LLC Company Address : XXXX Issue Description : LVNV Funding is reporting a collection account on my credit report for {$1100.00}. I have no knowledge of this debt. I have never received any written validation notice explaining what this debt is, who the original creditor is, or how the amount was calculated. I dispute this debt in its entirety. To date, LVNV Funding has not provided any proof that I owe this debt or that they have the legal right to collect or report it. FDCPA Violations : 1692g ( a ) Failure to provide validation notice 1692e False or misleading representation Requested Resolution : Require LVNV Funding to immediately delete this account from all credit bureaus and provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: MS

Complaint narrative:
My Cash App account was closed without full access to my funds, which disrupted my Social Security direct deposit. I was unable to receive my payment as expected. I have now set up a XXXX account to continue receiving benefits, but I need assistance recovering access to any pending funds or resolving the prior account issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: LA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Subject : Request for Refund of Overdraft and Transaction Fees Netspend I am filing this complaint against Netspend regarding overdraft fees, transaction fees, and other charges that were assessed on multiple Netspend accounts that I previously maintained. I no longer have access to any of these accounts and do not possess the account numbers, routing numbers, card numbers, usernames, passwords, or login credentials associated with them. Because of this, I have been unable to review my account history or determine the full amount of fees charged. I have made reasonable efforts to contact Netspend to obtain information about my accounts and discuss potential refunds. However, when I call customer service, I am unable to reach a live representative and can only access an automated system. Without account information, the automated system does not provide a way for me to obtain assistance or account records. I am requesting that Netspend : Locate all accounts associated with my name and identifying information. Provide a complete accounting of all overdraft fees, transaction fees, maintenance fees, and any other charges assessed on those accounts. Review the fees charged and determine whether refunds or credits are warranted under the Consumer Financial Protection Act. Provide a method for me to communicate with a live representative regarding this matter. Supply copies of account statements and transaction histories for any accounts located. I am seeking assistance from the CFPB because I have been unable to obtain meaningful assistance directly from Netspend. I respectfully request that Netspend investigate this matter and respond with a full explanation of the fees charged and any refund opportunities available. Thank you for your attention to this complaint. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am a long-time Capital One customer and I had requested a goodwill review of a {$150.00} cash advance fee, which several agents denied. On XX/XX/year>, my mother was targeted by a law enforcement impersonation XXXX ATM scam. The scammers called her claiming to be sherriff deputies and instructed her to withdraw funds from her bank account, XXXX or credit card and deposit them into a XXXX ATM at a XXXX XXXX in XXXX XXXX. While under the influence of the scam, she obtained funds through a cash advance on my Capital One account as an authorized user on the card. Fortunately, before any money was deposited into the XXXX ATM, she realized it was a scam and stopped the transaction, hung up from the law enforcement impersonators and redeposited the funds in my bank account so I could pay off the cash advance immediately. No funds were sent to the scammers. Immediately after discovering the situation, I called Capital One. I paid off the cash advance balance in full once it posted to my account. I then contacted Capital One on two separate occasions to explain the circumstances and request a one-time courtesy waiver of the {$150.00} cash advance fee. Both requests were denied. I understand that the cash advance transaction itself was authorized and that Capital One 's card agreement permits the fee. I am not claiming that the fee was charged in error. Rather, I am requesting a goodwill exception based on the unique circumstances : a documented scam attempt, immediate repayment of the balance, no money ultimately being sent to the scammers, and my long-standing relationship as a Capital One customer. I respectfully request that Capital One conduct a higher-level review and consider issuing a one-time courtesy credit for the {$150.00} cash advance fee. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I am filing a complaint against The CBE Group , Inc. for illegal and predatory debt collection practices regarding a completely invalid debt.My federal student loans from the XXXX XXXX XXXX were officially discharged by the U.S. Department of Education under the Borrower Defense to Repayment program due to widespread institutional fraud. Despite this federal discharge, the XXXX XXXX XXXX illegally generated a residual institutional balance of {$2200.00} stemming from " loan excess credits '' and transferred the account to CBE Group for collection.Because the underlying federal loans were completely voided and canceled by the federal government, I have zero legal liability for any residual balances or credits associated with them. Under financial duress and fear of credit damage, I have already paid {$600.00} to CBE Group via my debit card toward this non-existent debt.CBE Group is violating the Fair Debt Collection Practices Act ( FDCPA ) by collecting on an invalid, unverified debt. I have contacted my bank to dispute the {$600.00} fraudulent charges.Desired Resolution : I demand that CBE Group immediately cease all collection activities, permanently close this fraudulent account, wipe the balance to {$0.00}, issue a full refund of the {$600.00} unlawfully collected from me, and guarantee that no negative reporting is sent to any credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My cashapp account was suspended its been over one year I believe and Ive been trying to withdraw my money for a long time and never have gotten my money out and cashapp wont help me all the times I tried to un suspend my account they keep denying it and I cant link my bank nor my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC
State: KS

Complaint narrative:
I have become aware of an account and related debt associated with my identifying information that I do not recognize and did not authorize. I did not apply for, receive, or benefit from this loan. The existence of this loan raises concerns that my personal information may have been used by another individual without my knowledge or consent. Due to these concerns, I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX am writing to report a severe, unauthorized digital account takeover of my wells fargo profile. The perpetrator breached my online banking security, altered my login credentials to lock me out of my app, and initiated unauthorized electronic fund transfers ( including XXXX and/or external bank pulls ) without my consent or knowledge. This is part of a multi-institution felony identity theft crime totaling nearly {$1000.00}. An official criminal investigation is open with XXXX police department under Police Report # XXXX Under federal law Regulation E, Wells Fargo is legally required to protect me against unauthorized electronic fund transfers resulting from a digital breach. I demand that Wells Fargo immediately issue provisional credits for the full amount of all unauthorized transfers while this felony investigation is completed. ''

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