vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am writing to request a review of my customer profile and any internal restrictions that may currently prevent me from opening a personal or business banking relationship with Citibank. I have been dealing with identity theft issues since 2020, during the height of the pandemic, when fraudulent activity and account takeovers became increasingly common. During that time, my personal information was compromised and used without my authorization to open accounts, obtain credit, and conduct fraudulent activity across multiple financial institutions. As a result, I have spent years working with banks, law enforcement, credit reporting agencies, XXXX XXXXXXXX, and legal counsel to restore my identity and clear my name. I have substantial documentation supporting my identity theft claims, including FTC XXXX XXXX XXXX, police reports, attorney correspondence, and responses from financial institutions acknowledging the fraud. For example, a XXXX Police Department identity theft report filed in XXXX specifically references fraudulent accounts allegedly opened with Citibank, XXXXXXXX XXXX XXXX XXXX XXXX, and other institutions using my personal information. In addition, my FTC Identity Theft Reports specifically identify fraudulent Citibank accounts and inquiries that appeared on my consumer reports without my authorization. I have also received confirmation from other financial institutions that identity theft occurred and that I was not responsible for the fraudulent activity. Most notably, XXXXXXXX XXXX confirmed that XXXX validated my identity theft claim and removed the reporting associated with the account. XXXX further acknowledged the matter and advised that I may apply for new accounts through its standard account opening process. Similarly, I possess documentation from XXXX XXXX XXXX Fraud Department confirming that, after completing its investigation, XXXXXXXX XXXX determined I was not financially responsible for fraudulent activity associated with an account opened using my information. At this time, my XXXX and XXXX files have largely been corrected, and I have worked diligently over the last several years to resolve the consequences of this identity theft. My attorney continues to assist me with the remaining matters, and I am prepared to provide any supporting documentation necessary for your review. Because of the steps I have taken and the documentation I possess, I am respectfully requesting that Citibank review any internal records, fraud markers, account restrictions, customer notes, or " do not open '' designations that may still exist under my name or Social Security number as a result of this identity theft.

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 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Ive resent my previous letter letting the company know that after reviewing my credit report, I noticed some late payments that still need to be fixed. Ive never been late, and they haven't provided any proof that I was. The law is clear : it prohibits companies from sharing inaccurate information with consumer reporting agencies if they know, or should reasonably know, the info is incorrect. Ive already pointed out in my previous letter that they have * reasonable cause * to believe the information is wrong. I clearly defined what accurate and inaccurate mean and highlighted the laws they've violated, making it clear the information they reported is incorrect. This is a violation of 15 U.S.C. 1681s-2. Additionally, the law requires consumer reporting agencies to handle their duties fairly, impartially, and with respect for my right to privacy. Reporting this information without my consent violates my privacy rights as a consumer, which goes against 15 U.S.C. 1681a ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I submitted a complaint on Wells Fargo because the bank locked my XXXX phone number, XXXX and email XXXX, because a third party falsely accused me of fraud after she sent money to my account totalling {$70.00} back in XXXX. I could not understand how someone sends you money and then claim it was fraudulent. From my understanding everytime I've made a XXXX transfer it makes you confirm that you are indeed sending this transfer to a trusted person and that it is non-refundable. Wells Fargo never gave me the opportunity to confirm or verify the transaction and just blocked me based off of third party fraud report which was neither fair or just. To see the conclusion here is the case number XXXX. This new complaint is pertaining both the old case as it was not resolved with a favorable solution and new issue of wells Fargo not allowing me to open a new XXXX using any phone number or email. I've tried several times, even transferring a active XXXX number, XXXX, to a brand new opened account created XX/XX/XXXX for the sole purpose of using XXXX. I have spoken to several contacts through Wells Fargo to include tech support, XXXX, Case number XXXX, and XXXX from the fraud department, both with last contact XX/XX/XXXX. No resolution has been made and I am still without the ability to use XXXX services to send and receive money from my Wells Fargo. Wells Fargo already has all documents, letters, and statements that i could provide in 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 2026-05-31 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received money for services rendered on XX/XX/year>. The next day I was sent an email from PayPal to verify information on my account. I immediately within a hour sent the information requested. This was my first time very using the PayPal business service to receive money. After a review, on XX/XX/year>, I was sent a message in my account saying that my account was permanently deactivated with no clear reason as to why. I was also not given a direct line of response to this information. My funds are said to be held for 180 days. I need access to my funds immediately as I did not violate and policies. I simply am trying to use PayPal to get paid for my services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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: NC

Complaint narrative:
Block, Inc. ( operating as Square ) has ceased payouts to merchant accounts under merchant ID XXXX effective approximately XXXX XXXX XXXX. As of this filing, approximately {$15000.00} in captured funds across three Square locations remains held with no written explanation, no documented reserve ledger entries, and no specified resolution pathway. The three affected locations and approximate held amounts : - XXXX XXXX XXXX XXXX XXXX : approximately {$6000.00} - XXXX XXXX XXXX : approximately {$5000.00} - XXXX XXXX : approximately {$4000.00} Square 's ledger contains NO entries for RESERVE_HOLD or RESERVE_RELEASE, indicating that the funds are not held under any documented formal reserve mechanism. Instead, payouts simply stopped, suggesting an informal risk-based hold without the procedural safeguards Square 's own published terms describe. Square 's Payment Terms describe specific reserve provisions with defined limits ( including a 30 % reserve cap in standard terms ). The current 100 % hold across three separate business operations exceeds any contractually defined reserve limit and is not supported by any documented reserve event on the merchant 's account ledger. Square has not provided substantive written explanation of : ( 1 ) the specific basis for the hold ; ( 2 ) which transactions or risk factors triggered it ; ( 3 ) what documentation or remediation would lift it; or ( 4 ) a timeline for resolution. Block , Inc . Merchant ID : XXXX Affected location IDs : XXXX, XXXX, XXXX Approximate total held : {$15000.00} I am requesting : ( 1 ) written accounting of all funds being held across these three locations ; ( 2 ) explanation of the legal and contractual basis for the hold ; ( 3 ) identification of any reserve mechanism applied ( formal or informal ) ; ( 4 ) a documented pathway to resolution ; and ( 5 ) release of any funds beyond a documented liability exposure consistent with Square 's published Payment Terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is attempting to collect a debt of {$1000.00} originally from XXXX XXXX that is the result of identity theft. This account was opened without my knowledge or authorization. I have filed an official FTC Identity Theft Report. This company is reporting this fraudulent collection account to all three major credit bureaus causing severe damage to my credit. I did not open, authorize, or benefit from this account in any way. This debt is not valid and stems entirely from identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
This complaint is a continuation from complaint XXXX. Hi, I XXXX XXXX , am filing a complaint for fraud against Mr. Cooper who held my mortgage up until XX/XX/XXXXXXXX XXXX XXXX XXXX I have filed several complaints here with the consumer affair with no resolution. The only resolutions the company has come up with is to transfer my loan to another server. However, that does not address all the fraudulent activities I have dealt with while being under Mr. Cooper. I have recently made a {$50.00} principal payment and the company agent applied the way she chose versus the Way I requested on the recorded line. I was being charge a {$6.00} fee due to my payment being short for XX/XX/XXXX. However, my payment has never been short in the almost 4 years. I have had this loan. The discrepancies came in when they started making fraudulent report and doing numerous escrow analysis to cover up. Which can be seen/tracked the billing statements & the numerous XXXX. I paid the amount showed due. I am also attaching proof. The payment went from XXXX to XXXX for the month of XXXX once I called and brought to their attention that they were still overcharging me. They made the necessary corrections and my payment went to the XXXX. Although corrections were made, they are still trying to force me to pay the fee of XXXX dollars and XXXX when I was being overcharged. The other issue is the continuous with my escrow account not being accurate. With the first being improperly escrow. The billing from XX/XX/XXXX statement showsI have $ XXXX in the escrow account as of XX/XX/XXXX. The only payments went out since that XXXX billing statement would have been my taxes at XXXX on XXXX/XXXX, Tax paid again XX/XX/XXXX for XXXX, ( Which is a Big RED FLAG, Fraudulent activity and Mishandling of my Mortgage Account ) my Taxes are paid Once per yr. My mortgage insurance at {$210.00} & city Tax at XXXX. The homeowners insurance had already been paid. When you go to XX/XX/XXXX billing statement the escrow account only holds {$550.00} I am wanting the consumer fair to hold Mr. Cooper accountable for the fraudulent activity. I have been dealing with my next step will not only see Mr. Cooper that as well as consumer affair for neglecting to have this addressed. I am submitting this complaint with Mr. Cooper and their message center, as well as the consumer affair before seeking legal actions. The final fraudulent act that I can think of mine at this moment would be on my XXXX billing statement showing that I was a forbearance plan. I have never applied for forbearance plan. I made a partial payment. Just curious how it would work and that is when the false activity begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I dispute a transaction I didnt do and they keep telling me I did it and wont give me my money back. Why give me a new card? Give me my money back before I sue you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Cornerstone Mortgage Group, LLC
State: PA

Complaint narrative:
This is a related follow-up to CFPB complaint number XXXX SUBMITTED ON XX/XX/year> I am purchasing XXXX XXXX XXXX, XXXX , PA XXXX . Cash to close increased On XX/XX/year>, XXXX XXXX XXXX emailed me : At {$120000.00}, our payment would be roughly {$1100.00}. We would want to ask for 6 % concessions which is {$7200.00}. Cash to close would once again be close to {$0.00}. This is assuming the home isnt in a flood zone or anything crazy that would add to the cost. XXXX Settlement Statement File No. XXXX, printed XX/XX/year>, shows : Sale Price {$120000.00} Loan Amount {$120000.00} Seller Credit {$7300.00} Balance Due FROM Borrower {$5000.00} That is a {$5000.00} increase from a written estimate of close to {$0.00} to {$5000.00}. Original closing was expected late XXXX. I still do not have a firm closing date! Multiple requests for status have gone unanswered. Financial harm Appraisal fee paid out of pocket : {$660.00} POC Lost wages from unpaid time off taken for closings that were canceled/delayed due to lender errors XXXX Rent Due from not being out on time

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint against MacysCreditandCustomerService regarding an unauthorized account and failure to provide documentation following a fraud dispute. OnMay27,2026, IsentaFinalDemandforDocumentationtoMacysFraudInvestigationsDepartmentafXXXXtigationwascompletedandIremainresponsibleforaccountending0846.Macyshasnotprovidedanydocumentationsupportingitsdetermination. XXXX ( XXXX ) andFairCreditReportingAct ( XXXX ), Macysmustconductareasonableinvestigationandprovidecopiesoftheoriginalapplication, signaturerecords, XXXX, XXXX. Ididnotopen, authorize, orbenefitfromthisaccount.IamrequestingthatMacysprovideallsupportingdocumentation, removeanyliabilityandnegativecreditreporting, andconfirmclosureofthisfraudulentaccount.

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 2026-05-31 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
Denial of hardship program after I told them I couldnt make payments because of reduced hours its states on goggle that there is hardship plans available also they didnt credit my balance correctly after they said they would take of XXXX dollars which was a late from my balance instead I had to pay full and they accredited to the whole account balance XXXX XXXX all the Conversations are recorded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
" I am a victim of financial fraud. Funds were pulled from my card/account via Cash App. Cash App Support explicitly told me they are not authorized to file a dispute. When I contacted my bank to file a fraud dispute under my Federal Regulation XXXX consumer rights, the bank agents refused to process the claim and incorrectly told me I must dispute it through Cash App. Cash App has blocked me from doing so. My bank is violating Regulation XXXX by refusing to investigate an unauthorized/fraudulent electronic fund transfer pulled from my account. I demand that my bank open a formal dispute and issue a provisional credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, at XXXX I attempted a {$300.00} atm withdrawal at XXXX in XXXX Illinois . The atm glitched, printed no receipt, and did not dispense any cash. However chime deducted the {$300.00} from my account. I filed a dispute with chime. Chime sent me an email stating this transaction does not fall under Regulation E and denied provisional credit, setting a resolution date of XX/XX/year>. This is a direct violation of Regulation E regarding an electronic fund transfer error at an atm terminal. I require immediate provisional credit or the permanent return of my {$300.00}. The dispute number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: MN

Complaint narrative:
I am extremely frustrated with how klarna has handled this situation. They have access to the payment records and can clearly see that one payment was made at XXXX and another at XXXX. The timing itself should raise questions about whether this was an unintended duplicate payment or a system issue. I do not believe it is reasonable to require screenshots of my personal bank account when your own records already show exactly when the payments were processed. The information you need should already be available to you through your transaction history. I have repeatedly explained that I did not intend to make duplicate payments and that this overpayment has created financial hardship for me. Instead of receiving meaningful assistance, I feel that my concerns have been dismissed and ignored. I am requesting that this matter be reviewed again and that the duplicate payment be refunded rather than credited to my account. They told me its no loss. Upon checking reviews and klarna XXXX page many people are out their money. This is unethical and deceptive what they are doing. Now the hardship this has caused. They tols me to dispute it with my bank. My bank said it takes 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent a formal validation of debt request to ConServe, Continental Service Group, LLC pursuant to 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ). I explicitly requested proof of the alleged {$47.00} debt plus {$11.00} in fees, and stated : Any reporting of this balance to a credit bureau before validation is provided may constitute a violation of the FDCPA. The collection agency did not respond until XX/XX/XXXX, XXXX days after my validation request. The response was printed XX/XX/XXXX and forwarded to my address on XX/XX/XXXX. However, I did not receive the physical documents until XX/XX/XXXX. On XX/XX/XXXX, XXXX I received the validation materialsthe debt was reported to my credit report, reducing my credit score by XXXX points. The validation provided was inadequate : They submitted a Statement of Responsibility signed XX/XX/XXXX, XXXXnearly four years prior The alleged charge was incurred XX/XX/XXXX According to Florida XXXX XXXX own policy, Statements of Responsibility are an annual requirement This means a current XXXX statement should have been on file, not a four-year-old document The old statement does not validate a charge from a different enrollment year The timing was deliberately harmful : The debt was reported to credit bureaus on XX/XX/XXXX, XXXXsix days before I received the validation documents I was given no opportunity to review, dispute, or respond to their inadequate validation before credit damage occurred The charge itself was added one month after I paid tuition, without my prior consent or enrollment The debt was reported to credit bureaus before adequate validation was provided and before the consumer received the response, in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit is attempting to collect a debt of {$610.00} originally from XXXX XXXX XXXX that is the result of identity theft. This account was opened without my knowledge or authorization. I have filed an official FTC Identity Theft Report. This company is reporting this fraudulent collection account to all three major credit bureaus causing severe damage to my credit. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This is a follow-up to my original CFPB complaint submitted on XX/XX/scrub>, 2026. While I received a response from Resurgent Capital Services L.P., their response completely failed to address the core issue of my complaint a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX, which prohibits debt collectors from communicating my personal account information to third parties without my consent. Resurgent disclosed my personal debt information to a family member, which is a direct violation of federal law. Their response made no acknowledgment of this violation, no explanation of how it occurred, no assurance it will not happen again, and no offer of resolution.

Company response to consumer: Closed with explanation