vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/XXXX, I applied for a Citibank double cash credit card. The reason I opened this credit card was for its balance transfer features. I did research the balance transfer on Citibank website prior to applying and knew that when I opened the card I was going to be transferring one credit card balance, and one personal loan balance. I was able to transfer the balance of one of my credit cards seamlessly, however I was not able to transfer the personal loan. When I would enter my personal information, including the lender of my personal loan, it stated that Citibank does not allow you to balance transfer within any Citibank or its affiliates. I was confused because the lender is not on the list of Citibank affiliates. I did research on the Internet as well as ask the Citibank agent through the chat and could not find anywhere that says that Citibank and the specific lender are affiliated. Now this is the only error message that I have received throughout, trying to balance transfer this loan. Today XX/XX/XXXX I reached out to Citibank over the phone to try and settle this once and for all. The first agent told me that she could not push it through because she was receiving the same error as I was. She then put me on hold and came back and told me that my credit card is not eligible for balance transfers for loans, which is not true because under my personal promotional offer, it is an option. From there on out, I got transferred to someone else where I pretty much had the same conversations. Not once was my concern addressed where I needed to find out why it was telling me that the specific lender and Citibank are affiliated when I can not find that information anywhere. I was only told that firstly my account was not eligible for balance transfers for loans and then when I countered that I was told that my account is too new for that balance transfer option, even though it is presented to me on the website and app. It seems that anything that I was able to argue or counter. They were not able to respond to. They just brought up a new issue. I can not receive anything in writing that states that any of the answers I was given are true. And my initial concern was never answered, which was the affiliation error message between the lender and Citibank. I kept requesting the answer to the questions I was being asked. It was presented with various different answers that were irrelevant to the initial problem at hand.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: VA

Complaint narrative:
I used a seller who took my money and didn't deliver when I paid double for delivery but she didnt meet me on time or at all and keeps making excuses. Even conned Me our of money XXXX if i send nore fir gas she will come right away. Cadhspp denied my claim although I hsve personal texts between us of her many excuses and admission owes me goods or services. She says had an emergency so dhe should have sent my funds back but she stile them plus the gas money dhe conned me out of twice that I XXXX even want to dispute with cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TN

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I refinanced my XXXX vehicle through a XXXX XXXX XXXX XXXX In XX/XX/year>. Mercedes Financial accepted and processed the payoff request. Several months later, I was informed by the credit union that XXXX would not release the title due to an internal issue related to how the payoff was handled. XXXX stated the the lease buyout package had to be done at an actual dealership and involved crossing state lines. I did call XXXX and on a a recorded line XXXX told me they made a mistake and the transaction should have never happened. As a result, my refinance could not be completed as expected, causing delays, uncertainty regarding ownership and lien status, potential additional interest costs, and possible harm to my credit. I believe I relied on the information and actions provided by the companies involved and am requesting that the matter be corrected and that I be compensated for any financial damages caused by the delay and error. I have already made payments to the credit union. Shouldnt the credit union have waited to do the transaction until everything was completed? XXXX never sent me a notice of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint against Bank of America regarding Claim Number XXXX. I made an accidental mobile transfer of {$660.00}. The receiver has verbally acknowledged receiving the funds but explicitly refuses to return them. I have filed a formal criminal report for Theft with the XXXX Police Department under Incident Number XXXX. Bank of America closed and denied my claim, stating they were unsuccessful at recovering the funds. However, given the receiver 's illegal retention of the money and the active police investigation, I am requesting that Bank of America reopen the claim, review my law enforcement documentation, and reverse the transaction.

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im requesting that my address be updated. I am requesting that my personal information be fully updated and corrected. The credit bureau is still reporting old, inaccurate, and unauthorized addresses on my file. Under the Fair Credit Reporting Act ( FCRA ) 1681c-1 ( a ) & ( b ) and 1681g ( a ) ( 1 ), I am requesting that all incorrect or unverified addresses be blocked, removed, and no longer reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: WI

Complaint narrative:
Fraudulent checks equaling {$10000.00} which put my checking account in a negative balance {$10000.00} XXXX XXXX XXXX on XX/XX/XXXX Cash was then transferred into my XXXX XXXX and bought XXXX and sold back to them as XXXX XXXX XXXX said they couldnt help me and it feels like my bank isnt willing to work with me on this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
When I signed up for the American Express XXXX XXXX XXXX card, the link that I used indicated that there would be no annual fee for the first year. As soon as they shipped my card, they went and charged me the {$95.00} annual fee. I have reached out several times and even provided a copy of my promotional application link and theyve told me that they know this is a known issue and they arent able to credit me back until they figure out why theyve charged so many consumers this fee wrongly. I called on XXXX. Unfortunately, I am on auto pay and therefore this has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
I previously made direct contact with the collections requesting information about the accounts. During that communication, was not provided with any meaningful documentation, itemization, or verification of the alleged debt. Instead, I was given insufficient or incomplete information that does not allow me to determine the validity of this account. SYNERGETIC COMMUNICATIONS Opened XX/XX/year>XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: GA

Complaint narrative:
I previously made direct contact with the collections requesting information about the accounts. During that communication, I was not provided with any meaningful documentation, itemization, or verification of the alleged debt. Instead, I was given insufficient or incomplete information that does not allow me to determine the validity of this account. NTL RECOVERY AGENCY Opened XXXX XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
My business was defrauded of {$1100.00} by a fake XXXX XXXX impersonation ring operating via the malicious domain XXXX XXXX XXXX. The unverified merchant extracted {$950.00} under total misrepresentation for fake inventory tasks. They have failed to provide any services, permanently withheld the funds under an " Under Review '' status, and stole my business licenses and driver 's license. I have filed official cybercrime reports with the FBI ( IC3 ) and IdentityTheft.gov. I am exercising my rights under Federal Regulation E to demand a full chargeback reversal from Block , Inc. for severe merchant fraud and total non-receipt of services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I went online approximately two weeks before XX/XX/year>. I authorized XXXX XXXX to take the monthly payment of {$400.00} plus an additional for the principal {$1000.00}. Instead of doing what I authorized. They took the monthly payment of {$400.00}, they added {$210.00} towards additional principal and {$370.00} towards additional interest. In addition, the {$390.00} is still sitting in my bank account. The escalation department ( XXXX ) stated the problem was because I scheduled my payment on the XXXX of the month and that my statement generates on the XXXX of the month. I explained to her that I have made the payments on the XXXX of the month for quite a few months and I have never had such a problem. I tried to explain to the representative and XXXX XXXX that I wanted {$1000.00} per month toward principal, yet, when I go one line, it's been changed to {$590.00}. She repeatedly told me that they don't make changes to the amount. I explained to her that it is possible that there is a computer error. I explained that I've had a similar problem with XXXX in the past and they confirmed it was a computer error, and they corrected it. Unfortunately, we are bound by our contract to have the payments automatically withdrawn in order to take advantage of the interest rate reduction.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have contacted XXXXXXXX XXXX XXXX previously as I have a current and open card with them. This collection account does not belong to me. I have previously explained I am a victim of identity theft and a victim of the XXXX XXXX XXXX data incident ; they have not removed it from my consumer credit report. I have sent them a copy of a notification alerting me of the cyber attack.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account is being reported on credit report Please update on credit report this is a paid in full and close case

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a reasonable investigation of disputed information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). I previously submitted a formal dispute regarding several inaccurate items appearing on my credit report, including incorrect late payments, charge-off accounts, unauthorized inquiries, and inaccurate personal information. Despite providing sufficient notice and allowing adequate time for investigation, TransUnion failed to make meaningful corrections and continues to report information that I believe is inaccurate, incomplete, misleading, and unverifiable. The disputed items include late payment reporting on XXXX and XXXX accounts, charge-off reporting on XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts, multiple inquiries that I do not recognize or authorize, and incorrect addresses that do not belong to me. I requested that TransUnion provide documentation verifying the accuracy of these accounts and inquiries. However, the information continues to be reported without sufficient evidence being provided to me. Under the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy and must conduct a proper reinvestigation when information is disputed. I believe TransUnion has failed to meet its obligations under federal law by continuing to report information that has not been properly verified and by failing to remove inaccurate personal information from my credit file. As a result, my credit profile continues to be negatively impacted. I am requesting CFPB assistance in obtaining a complete and lawful investigation and ensuring that all inaccurate, unverifiable, or improperly reported information is corrected or removed from my credit report.

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 2026-06-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am a victim of severe identity theft and mail interception that resulted in the theft of {$6000.00} in EDD benefits via a Money Network debit card ending in XXXX. Money Network is explicitly violating Regulation E ( 12 CFR 1005.6 ) by refusing to honor the extenuating circumstances clause for reporting deadlines.My personal information was compromised in a verified XXXX data breach in XX/XX/year>. Criminals used this stolen data to intercept, fraudulently activate, and immediately drain my EDD debit card at a previous address in XXXX XXXX was entirely unaware this account or card even existed because I received multiple official notices from the EDD stating that I was completely disqualified from benefits. A consumer can not report fraud on an account they are officially told does not exist.As soon as I received my 1099-G tax form revealing the fraudulent payouts, I acted immediately and filed a dispute within XXXX hours. Despite providing an official police report, an FTC Identity Theft Report, clear proof of the data breach, and evidence that I was misled by third-party EDD disqualification notices, Money Network has repeatedly denied my claim over the phone.Furthermore, Money Network has committed a direct violation of Regulation E by failing to provide any written denial letters or explanations of their findings, forcing me to call customer service repeatedly just to hear phone notes from the representatives.I have attached my comprehensive final dispute appeal packet and all supporting exhibits ( Exhibits A through E ), including the police reports and data breach verifications. I request that the CFPB compel Money Network to respect Regulation E extenuating circumstances, properly investigate this identity theft, and credit back my stolen {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: HI

Complaint narrative:
The mortgage loan with BSI Financial was paid in full when the property was sold on XX/XX/XXXX. Under federal rules, the escrow refund should have been returned within 30 days of payoff, but more than XXXX months have passed and the refund has still not been received. The servicer originally stated that the escrow refund check for {$1200.00} was mailed on XX/XX/XXXX. However, during a call on XX/XX/XXXX, a XXXX stated that the check was instead mailed on XX/XX/XXXX. This directly contradicts the original date provided. When I spoke with an agent on XX/XX/XXXX, no one mentioned any second mailing. Today, another agent stated that the XX/XX/XXXX mailing occurred because I requested the check to be resent. This is incorrect. I never requested or approved a resend, and earlier agents told me that a resend could not occur until XXXX days had passed. This creates an additional discrepancy and raises concerns about the accuracy of the servicers records and explanations. Because of these conflicting dates and unauthorized actions, I submitted a written and signed letter request asking the servicer to void the check and reissue the refund via XXXX. The servicer has not provided written confirmation, has not acknowledged the request, and has not resolved the issue. The refund remains overdue, and the inconsistent information has caused significant confusion and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Theres multiple inaccurate accounts reporting to my 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: MD

Complaint narrative:
I am submitting this complaint regarding Central Research , Inc.s ( CRI ) response to CFPB Complaint No. XXXX. CRIs XX/XX/XXXX response states that my physical address and email address were updated on XX/XX/XXXX through a XXXX XXXX XXXX ( XXXX ) account. Specifically, CRI claims that the following information was added on XX/XX/XXXX : * Physical Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX * Email Address : XXXX I dispute that I made or authorized these changes. I have never used the XXXX email address identified by CRI for my student loan communications. Furthermore, I have not actively accessed or managed my XXXX XXXX XXXX account in many years. CRI has provided no evidence showing that I personally made these changes, including no account activity logs, authentication records, IP address records, or other documentation demonstrating that I authorized the changes. At the time these demographic changes allegedly occurred on XXXX XXXX, 2024, my federal student loans were still being serviced by XXXX and had not yet transferred to CRI. CRIs response therefore identifies the source of the inaccurate information but does not explain who made the changes, how the changes were verified, or why inaccurate contact information was relied upon. This issue is significant because CRI relied on this inaccurate address and email information when servicing the transferred account. As a result, I did not receive important account communications before negative credit reporting occurred. CRIs response does not resolve my dispute. Instead, it raises additional questions regarding the accuracy and authorization of the XX/XX/XXXX2024 demographic changes. Until documentation is provided demonstrating that I authorized these changes, I continue to dispute the accuracy of the demographic information relied upon by CRI.

Company response to consumer: Closed with explanation