vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> I reported an unauthorized charge on my Cite credit card in the amount of {$290.00} Citi refunded the charge and stated that they would investigate the charge. XX/XX/year> Citi mailed a letter stating that the investigation was completed and didn't determine a billing error. The refunded amount was re-charged. XX/XX/year> I called Citi customer service and explained that it was an unauthorized charge, not a billing dispute. The representative studied the case, was confused and stated that a request for re-opening the dispute was issued. I never received any notification of that. XX/XX/year> I mailed a letter to Citibank Customer Service explaining the case and requested the transaction to be investigated as an unauthorized charge and the re-charge amount to be refunded. XX/XX/year> I received a Cit Cards letter that was mailed XX/XX/year> stating : We have received the information you provided regarding your dispute. We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. We apologize for any inconvenience this may have caused. Our investigation remains closed. This is unacceptable. Citi delayed the investigation and then claim that too much time has passed.

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 2026-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Inaccurate and Inconsistent Collection Account Reporting ( FCRA & Metro 2 Violations ) Dear Transunion, I am formally disputing the reporting of a collection account by XXXX XXXX XXXX XXXX XXXX, regarding the original creditor XXXX XXXX XXXX. This account is being reported inconsistently across XXXX XXXX and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Identified Inaccuracies and Inconsistencies : .Conflicting collection agency addresses across credit bureaus .Inconsistent or incomplete account numbers .Different account types and classification codes .Conflicting status remarks ( e.g., Open Account, Collection, Unpaid ) .Inconsistent estimated removal dates I have made multiple good-faith attempts to resolve this matter directly with the collection agency. They refused to correct or delete the inaccurate reporting. As a result, my rights were violated, causing material harm, including lost housing and financial opportunities. Applicable Legal Violations : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) FCRA 611 15 U.S.C. 1681i FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s2 ( a ) ( 2 ) Metro 2 Reporting Standards Demand for Action : If this account can not be verified and corrected to be 100 % accurate and consistent, it must be deleted. Response Deadline : Please respond within 30 days. Legal Notice : Failure to comply will result in complaints to the CFPB, Florida Attorney General, and potential legal action. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX and make them aware of the fraudulent business account being opened. They told me once the account is frozen, a cashiers check will be made to the one who opened the account fraudulently. XXXX XXXX is holding a business account that was opened via corporate identity theft using my state-registered business entity and my EIN attached with my personal social security number. The branch acknowledges my 100 % sole ownership via XXXX XXXX but is refusing to provide transaction records, actively preventing me from calculating federal tax fraud liability on revenue. I demand XXXXXXXX XXXX XXXXXXXX XXXX XXXX review this entity and release the historical statements to the true corporate owner.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: GA

Complaint narrative:
XX/XX/year> I got a amount of XXXX on my income taxes and the same day I got my money Netspend took my money they open the account back and took it again in the same day I just want my money off the account never got no updates or anything about my money my account got closed with my money still in there

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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> TransUnion Consumer Solutions RE : Request for Method of Verification To Whom It May Concern : I recently disputed the accuracy of information appearing on my TransUnion credit report. My dispute was closed with a statement that additional information was needed. Pursuant to Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act, I am requesting the method of verification used to verify the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide : XXXX. The name, address, and telephone number of the party that verified each account. XXXX. Copies of any documents used to verify the accuracy of the reported information. XXXX. Evidence that the furnisher has validated and verified the debt as belonging to me. If you are unable to provide documentation proving the accuracy of these accounts, I request that the disputed information be deleted from my credit file immediately. Please complete your investigation and respond within the time allowed by federal law.

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 2026-06-23 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: Atlanticus Services Corporation
State: UT

Complaint narrative:
In XX/XX/XXXX, I submitted a fraud/identity theft dispute to XXXX Credit Card disputing approximately {$450.00} in unauthorized charges. I have since provided supporting documentation including an FTC Identity Theft Report, affidavit of theft/fraud, a witness form from local police, and copies of communications. No decision was made on this dispute until XX/XX/XXXX, well after the required timeline. FCBA Violation Failure to Investigate Within 30 Days : Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), XXXX is required to acknowledge my dispute within 30 days and complete its investigation within XXXX billing cycles ( not to exceed 90 days ). As of XX/XX/XXXX more than XXXX months after my dispute was filed XXXX confirmed after many phone calls that no resolution had been reached and no substantive investigation had been completed. This is a clear and documented violation of the FCBA 's mandatory timeline. FDCPA/FCBA Violation Debt Collection on a Disputed Account : While my fraud dispute remained open and unresolved, Aspire sent me dozens of collection emails attempting to collect the disputed balance. Under 15 U.S.C. 1666 ( d ), a creditor is prohibited from taking adverse action or continuing collection efforts on a disputed amount until the dispute is resolved. These collection contacts were improper and caused ongoing harm. FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX reported this disputed, fraudulent balance to the credit bureaus, materially damaging my credit profile. Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a balance that was actively disputed as identity theft without completing any investigation constitutes a knowing or reckless violation. Additional Concern Misrepresentation Regarding Payment Settlement : I made a payment to Aspire based on an explicit verbal representation by their representative that the payment would satisfy the account in full. XXXX has not honored that agreement, which XXXX constitute an additional deceptive act under applicable consumer protection law. I made this payment explicitly to stop their reporting against my credit with the CRAs ( which I made clear when the payment was made that it was an effort to stop the bleeding caused by their reporting, not an admission that I owed any portion of the debt being paid ). Nonetheless. They did not honor this and changed the terms after payment was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-23 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: NY

Complaint narrative:
Submitting on behalf of : XXXX XXXX XXXX ( business account ), by XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX Mailing address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX : Citibank , N.A . Product : Checking or savings account Sub-product : Other banking product or service ( business checking ) Issue : Closing an account Sub-issue : Funds not received from a closed account Accounts : CitiXXXX XXXXXXXX Checking ending XXXX, XXXX, and XXXX Amount in dispute : {$160000.00} Citi reference numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX -- - WHAT HAPPENED ( paste into the description box ) -- - XXXX XXXX XXXX held three CitiXXXX XXXXXXXX Checking accounts at Citibank , N.A . ( ending XXXX, XXXX, and XXXX ), used in our ATM business. The balances came from XXXX settlement deposits originated through our ATM processor, XXXX XXXX and XXXX XXXX XXXX. In XX/XX/XXXX, Citibank froze the funds. On XX/XX/XXXX, Citibank closed the accounts and recorded closing withdrawals of {$160000.00}, {$1300.00}, and {$13.00}, totaling {$160000.00}. Citibank has not returned that money, and as far as we can determine has not returned it to anyone. Citibank 's own CitiXXXX Client Manual states that when it closes an account it " will send you a check for your final balance, minus applicable service fees. '' Citibank did not do this. It has given three conflicting explanations : ( 1 ) in its XX/XX/XXXX letter, that " the funds remaining in the account do not belong to you ; therefore, no funds will be sent '' ; ( 2 ) on XX/XX/XXXX, telling our processor 's settlement bank that " there are no funds available to return as the account is closed '' ; and ( 3 ) at the XXXX, New York branch on XX/XX/XXXX, that the funds were " sent back to the originating bank. '' These statements can not all be true. Our processor, XXXX XXXX, confirms in writing that it received no rejection of these deposits and no notice of fraudulent deposits, that the deposits were accepted and then frozen, and that its formal request to have the funds returned was refused. We have tried for months to resolve this directly : more than 100 phone calls, several branch visits, repeated calls to Citibank 's Presidential Team at XXXX, eight Executive Response Unit case numbers, and a written escalation to Citibank 's executive offices on XX/XX/XXXX. A referral number for an Electronic Fraud Analysis unit ( XXXX, code XXXX ) only routes back to general customer service. Citibank has identified no court order, levy, setoff, or other lawful basis for keeping the money, and it has not provided an accounting. Citibank also closed the personal Citi credit card and the Home Depot card of our director, held for 15 to 20 years, citing only his role as a signer on the closed business 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 2026-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IL

Complaint narrative:
I communicated with police reports and fct identify theft report to redirect a debt from XXXX companies reporting to tenant record that there is a debt worth XXXX is under my profile. This false and inaccurate reporting is compromising the integrity of my character and preventing leasing merchants to award me a temporary or forever spaces for food water and shelter. Please have them remove this debt immediately. I have filed a police report and an identity theft report and have attached them to the report. I have not authorized now or any date anyone to utilize my name or identity to live or operate business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have I any said debt through XXXX Any affiliates of or XXXX XXXX or ProCollect Inc account # XXXX for a balance of XXXX for XXXX XXXX XXXX. A police report was provided for financial identity theft to the company. The XXXX called and suggested I get a new police report listing this account balance and account number. I complied and the company still did not remove the false reporting from my renters report. I have not authorized now or any date, anyone to utilize my name or identity to live or operate business at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX XXXX or any of its affiliates. I communicated a dispute to this company and they are verifying it by working in tandem with Procollect Inc. These companies should be removed from and tenant or any record. The consumer would like this complaint to be sent to Pro Collect Inc

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
There were a lot of back-and-forth through the conversations in the documents in the app. But ultimately the way they handle this they railroaded me dealing with my livelihood. Its already frustrating dealing with fraud with no help from my banking institution. I was told there was a 72 hour hold then my funds would be made available after a review and then they ultimately close my account after I asked for documentation for the reason for the denial for my fraud and they gave me a generic clause stating that it came from my IP address when I told them my phone was stolen, and I had a compromised device. They made decisions without giving me no type of voice. It was not fair because they did not have adequate documentation to show that they were authorized charges. I thought I had protections under the consumers act and their zero liability clause.

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 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, a {$10000.00} wire transfer was sent from a Citibank account to my XXXX business account held at XXXX XXXX XXXX. The transfer fee was {$17.00}. Citibank 's own transfer status tracker shows the status " Transfer Sent Credited to XXXX Account, '' last updated XX/XX/year>. The XXXX bank listed on Citi 's confirmation is XXXX XXXX XXXX, XXXX, XXXX XXXX, CA. The funds have never appeared in my XXXX account. The funds are not with the sender either. My receiving bank, XXXX, conducted a review and coordinated with their banking XXXX XXXX XXXX XXXX. On XX/XX/year>, XXXX responded in writing that they were unable to locate a matching incoming wire and directed me back to Citibank to obtain a Federal Reserve wire reference number ( IMAD ). Citibank has failed to produce an XXXX or any equivalent Federal Reserve trace number for this transfer, and has failed to provide documentation explaining the complete transmission path of the funds after they left the sender 's account. Without this information, the receiving bank can not locate the funds in the payment network. Citibank 's own records confirm the funds were credited to XXXX XXXX XXXX on XX/XX/year>, yet Citibank can not account for where the funds went or provide the documentation necessary for the receiving bank to locate them. The {$10000.00} has been missing for over XXXX months.

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 2026-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because the credit reporting agencies and/or data furnishers have failed to properly investigate and correct inaccurate information on my credit reports despite receiving supporting documentation. 1. Flagship Credit Acceptance Account I disputed the reporting of my Flagship Credit Acceptance auto loan account and provided a payoff letter confirming that the account was PAID IN FULL, has a XXXX BALANCE, was NEVER LATE, NEVER DELINQUENT, and was paid as agreed. I was informed that the account had been updated incorrectly, yet the inaccurate reporting remains on my credit reports. I have submitted proof showing the correct account status and request that the account be updated immediately to reflect " Paid in Full, '' " Paid as Agreed, '' and " Never XXXX. '' XXXX. XXXXXXXX XXXX Account I disputed an account reported under the name XXXXXXXX XXXX because it does not belong to me. I provided documentation proving that this account is not mine and requested its removal. Although I was advised that the account was determined not to belong to me, it continues to appear on my credit reports. I request the complete deletion of this account from all credit reporting agencies. XXXX. Incorrect Addresses I requested the removal of all inaccurate and unverifiable addresses associated with my credit file. I have lived at my current address, as shown on my government-issued identification, for approximately 15 years. Despite my dispute and supporting identification documents, the credit reporting agencies failed to remove the incorrect addresses. XXXX. Unauthorized and Unverified Inquiries I disputed multiple inquiries appearing on my credit reports and requested that any unauthorized, inaccurate, or unverifiable inquiries be removed. The credit reporting agencies failed to properly investigate these inquiries and left them on my reports without providing adequate verification. I believe the credit reporting agencies have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB require the companies involved to : Correct the Flagship Credit Acceptance account to reflect Paid in Full, Paid as Agreed, and Never Late. Permanently remove the XXXXXXXX XXXX account from all credit reports. Remove all inaccurate addresses except my current verified address. Remove all unauthorized, inaccurate, or unverifiable inquiries. Provide the method of verification used for any disputed item that remains on my credit reports. I have attached supporting documentation, including the payoff letter for XXXX XXXX XXXX, proof regarding the XXXX XXXX account, and identification verifying my correct address.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, CITI CARDS CBNA performed an automated soft " Account Review Inquiry '' on my XXXX credit profile. This inquiry followed an incredibly responsible debt clearance strategy where I aggressively paid down a heavy, near-maximum balance on account ending in XXXX. Specifically, I submitted a massive payment of {$2500.00} on XX/XX/XXXX, followed by a second payment of {$3300.00} on XX/XX/XXXX, XXXXclearing a total of {$5800.00} in a XXXX window. Instead of rewarding this exceptional repayment behavior, Citibank 's automated algorithm executed a punitive " balance chasing '' action on XX/XX/XXXX, slashing my credit limit from {$6100.00} down to {$810.00} to lock down the credit line I had just cleared. Because my trailing balance sat at {$780.00}, this sudden automated cut instantly forced this individual card into a catastrophic 97 % utilization rate. My XXXX credit report from XX/XX/XXXX and XX/XX/XXXX, reflects severe, artificial damage to my credit profile due to this sudden change. My file carries a " XXXX XXXX in XXXX, '' confirming no high-risk activity or unauthorized lines of credit were being opened to justify a sudden risk reduction. Official historical data from my Experian bureau profile proves that this sudden risk reduction was completely unwarranted and penalizes an excellent consumer. My payment history on this account is perfect and has never been late since the account was opened in XX/XX/XXXX. Furthermore, across my entire financial profile, my overall credit usage remains low and stable at 21 % of an {$11000.00} total credit limit. I contacted customer support immediately to request information on why my limit was taken away after making such massive payments, but front-line agents gave me a runaround, refused to transfer me to a supervisor, and told me I had to wait for a letter in the mail. I am utilizing my right to request a re-evaluation. I request that the XXXX office perform a manual review of my account history, acknowledge my heavy repayment capability, and immediately reinstate my original {$6100.00} credit limit.

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