vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I have a debit checking account with Moneylion. They supplied a " virtual card '' that I do not use, and they allowed a fraudulent {$99.00} charge, when there was only {$13.00} in the account. Their own documentation states they don't allow overdrafting. So even though this {$99.00} charge was fraudulent. at the very least, this transaction should have been Declined. They refuse to reverse the charge, they refuse to provide evidence why, and make it next to impossible to appeal.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
Summary : US Bank engaged in unfair practices by selectively using my active email address for standard notices while restricting critical, adverse financial disclosures ( dormant fees and fee-waiver structural changes ) exclusively to an outdated physical address. This lack of effective notice resulted in around 2 years of unauthorized, hidden drainage from my account without my knowledge or consent. 

I opened an account with US Bank in XXXX with no monthly fees. Based on those terms, I stopped using the account and left it alone starting in XXXX, confident that my balance would remain stable. I did not make any changes to my account since then. 

Without my consent or clear electronic notification, U.S. Bank altered its practices. Starting on XX/XX/XXXX, they began charging a {$5.00} dormant service fee without my knowledge. Starting XX/XX/XXXX, they stopped waiving the monthly maintenance fee, charging an additional {$14.00} monthly fee. 

US Bank claims they sent paper notifications regarding these structural fee changes to a legacy physical address where I have not resided for years. However, the bank actively possessed and utilized my current, verified email address during this entire 2-year window to send other communications and notices. 

They chose to send adverse fee disclosures exclusively via paper mail to an address I no longer live at, completely bypassing my active email. I only discovered this hidden balance depletion on XX/XX/XXXX, when they sent a required notice from California regarding the inactive account. 

When I contacted US Bank and spoke to a supervisor as well as a branch manager, they said they began charging me fees after I closed a credit card " recently '' in XXXX. However, I have no record of such an action since I had not contacted the bank since XXXX and they were not able to explain more specifically what that was. Regardless of what triggered the change internally, their failure of notice stands. They altered my account 's financial terms dynamically while neglecting an open digital communication channel.

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Constantino Law Office, P.C.
State: UT

Complaint narrative:
I received communication from Constantino Law in XX/XX/year> stating {$3900.00} was past due. On XX/XX/XXXX I responded via email disputing the ownership of the credit line. I then received a letter dated XX/XX/year> that included statements and an excel sheet with information regarding the account. They claimed this information was enough to prove the account was mine, however when reviewing the information they sent back there are several inaccuracies. For instance, the account and routing number they dispersed the funds into is not mine. The company they claim I work for is not accurate. The drivers license number listed is not accurate. Monthly net income is not accurate. The email used is not mine. The bank account listed for the disbursement of funds is a bank I have never had an account with ( XXXX XXXX ). Several phone numbers listed on the account are not mine or anyone that I know. The date of birth isn't even correct. Constantino Law made no effort to actually verify this information with me, and clearly lacks proper policies and procedures related to the verification of this debt. They failed to provide any origination documents outside of a loan agreement. No bank statements were provided that may have been used to acquire this loan. They did not provide a copy of the drivers license used to acquire this loan.

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 2026-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: CA

Complaint narrative:
I received dental treatment on XX/XX/XXXX and XX/XX/XXXX from an in-network provider. I paid {$2000.00} out of pocket at the time of service ( {$1200.00} and {$810.00} ). 
My insurer subsequently adjudicated both claims. The EOBs reduced {$8000.00} in billed charges to {$1800.00} in contracted allowed amounts. The insurer paid the provider {$1100.00} and set my total patient responsibility at {$740.00}. 
Over several months I repeatedly contacted the provider 's billing office to have my account corrected to reflect the EOBs. I was initially told to wait, then could no longer reach anyone, and received no response through the patient portal messaging system the only other contact method I was given. During this period the provider issued me an unexplained partial refund of {$300.00} but never corrected the account. 
After months of no response, I filed partial credit card disputes for the difference between what I had paid and my adjudicated responsibility {$390.00} and {$580.00}, totaling {$970.00}. These were resolved in my favor. I deliberately disputed only the overcharge, not the full amount, because I wanted to pay what I actually owed. 
Net result : I paid {$2000.00}, received {$970.00} back via dispute and {$300.00} as a refund. I have therefore paid the provider exactly {$740.00} my full patient responsibility. The provider has also been paid {$1100.00} by my insurer. My balance is XXXX. 
Despite this, the provider placed the account with this collection agency for the FULL original {$2000.00}. 
I sent a written dispute and FDCPA validation request. The agency responded on XX/XX/XXXX with a document from the provider that does not validate the debt it actually disproves it. The entire " account history '' consists of two line items, both dated XX/XX/XXXX, labeled " Payment Chargeback, '' for {$1200.00} and {$810.00}. There are no original charges, no dates of service, no insurance payments, no contractual adjustments ( the " Adjusts '' column reads {$0.00} ), and no record of the {$300.00} refund the provider itself issued. 
Two things are plainly wrong. First, the provider posted the chargebacks as full reversals of {$1200.00} and {$810.00}, when the actual disputed amounts were only {$390.00} and {$580.00}. Second, the provider posted XXXX contractual insurance adjustments on an in-network claim, despite having billed the insurer, been paid by the insurer, and been contractually bound by the allowed amounts. 
The balance being collected was reconstructed entirely from chargeback entries. It is not an accounting. The collector is attempting to collect {$2000.00} on an account where the provider is already holding my full {$740.00} patient responsibility and has already been paid {$1100.00} by the insurer.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
An order # XXXX from XXXX XXXX of silver coins was purchased on line in the amount of {$9400.00}. I was informed the delivery would be on XX/XX/XXXX by XXXX XXXX 
I was out for the day on XX/XX/XXXX th and went to XXXX XXXX Nj over the weekend. When I returned home after the weekend. I waited all day for my delivery. The next day on the XXXX. I contacted XXXX XXXX on line and was informed with a document that the USPS delivered my package on XX/XX/year>XXXX XXXX XXXXXXXX and was handed to me and signed by a XXXX XXXX  If they are referring to me as that person this is impossible for I was not home and I live alone. I was informed by XXXX XXXX to see if my neighbors received the package which I asked and was informed no. I contacted XXXX again on XX/XX/year>XXXX  about my not receiving my package and was told they would investigate. 
I filed a dispute with CITI master card. in which they responded with there was no evidence that there was an error in billing and reapplied the charges to my account. 
I contacted CITI XX/XX/year>XXXX  and was informed I have to prove I didn't receive the package. with a threat that if I didn't pay they would put it on my credit and ruin my credit. 
I informed them that there is no way I'm paying for an item I didn't receive. I then contacted XXXX XXXX again on XXXX XXXX was told that my dispute was still bein g investigated. How mis CITI claiming my dispute was resolved when the company that the dispute with has not made a determination and is still investigating. 
I want the evidence of an ID and signature that the delivery was made to where and to who?

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 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX North Carolina SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Account Number : XXXX Amount : SUNRISE CREDIT SERVICE - XXXX : {$360.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 
Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/XXXX, I purchased a trailer for {$1100.00} using my XXXX XXXX XXXX XXXX XXXX ( issued by Citibank ). The purchase was under a " no interest '' promotional offer expiring in XX/XX/XXXX. 
I immediately enrolled the account in Autopay to ensure I would never miss a monthly payment. I was under the impression that the promotional structure worked like a standard 0 % APR grace period, and that regular interest would only accumulate on any remaining principal balance after the expiration date. Because I trusted Autopay to manage the minimum requirements, I did not realize that a promotional balance remained at the deadline. 
On my XX/XX/XXXX statement, Citibank hit my account with a massive retroactive " Deferred Interest '' charge of {$360.00} all at once. Because this large sum was suddenly added to my principal balance, I have also been charged ongoing standard interest fees every single month since XX/XX/XXXX. 
I called customer service and spoke with both a representative and a manager to request a one-time courtesy waiver/credit for the {$360.00} deferred interest fee, as I have a perfect history of consecutive on-time monthly payments via Autopay. The company refused to help me, stating they have a strict 60-day policy for fee reversals. 
I feel this retroactive deferred interest practice is highly predatory and intentionally misleading for consumers who are actively making automatic payments on time. I am asking Citibank to review my excellent payment history and issue a courtesy credit for the {$360.00} in deferred interest.

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 2026-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Transunion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a formal complaint against Citibank for withholding my personal funds for nearly a year without justification. 
around XX/XX/XXXX, Citibank closed my bank account. They issued a check for my remaining balance, but they are now refusing to let me access, deposit, or cash my own money, claiming they need to " verify '' the check. It has been almost a full year. I have repeatedly contacted Citibank through their customer service phone lines and their website to resolve this. Each time, I am given the runaround. Citibank has failed to provide a clear path to verify the funds and is holding my money hostage. 
This is my personal money, and the delay is causing me significant financial hardship. I request that Citibank immediately complete any necessary internal verification and release my funds to me without further delay. 

Debit card number XXXX Exp XX/XX/XXXX Citibank XX/XX/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 monetary relief
Consumer complaint received 2026-07-14 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, Wells Fargo denied my request for a credit limit increase on my credit card account ending XXXX, citing a single reason : unacceptable past credit history. 

The denial letter contains none of the disclosures required by FCRA XXXX ( XXXX  ) ( XXXX XXXX. XXXX ( XXXX  ) ) when adverse action is based in whole or in part on a consumer report : it does not identify any consumer reporting agency, does not provide the agencys contact information, does not disclose the credit score used or its range and key factors, and does not state my right to obtain a free copy of the report or to dispute its contents.

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 2026-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
A wealth banker at US bank has client information on personal device in XX/XX/year> and was synced on my mobile device when we lived together for 6 years. 
This individual is also operating a new financial company called 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 2026-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing collection accounts appearing on my credit report that do not belong to me. I have no knowledge of these accounts, have never authorized them, and have no agreement or relationship with any party associated with them. 

The presence of these inaccurate and potentially fraudulent entries is deeply concerning and is negatively impacting my credit profile. I demand an immediate and thorough investigation into these accounts. 

If any item can not be fully verified as accurate, complete, and legally reportable under the FCRA, it must be removed from my credit file without delay. I expect prompt corrective action and full resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the Bank of America ATM to withdraw my XXXX XXXX. While trying to withdraw XXXX I had an issue with removing my card from the atm and the atm did not dispensed the funds. It failed to provide me a receipt, and it removed the funds from my XXXX XXXX. I went to file a themft complaint with the Human Services the five and on XX/XX/XXXX I received a call from the appeal office stating I needed to get this fixed through the bank branch of the corresponding atm. I called XX/XX/XXXX and spoke to XXXX, XXXX and then XXXX, I was on the phone for 1 hour 48 mins thinking they were going to resolve my issue, I called again XX/XX/XXXX only for XXXX ( ID XXXX XXXX ) to tell me NOTHING was done and cant be done in regards a ti my STOLEN XXXX $ because I am not a Bank of America customer. I was on the line for another 1 hour 55 mins to receive unresolved results. There is something that should be able to be done, more investigation, tape replays especially when the security guard of the location where the atm is even admitted that the atm is always glitching on the people using it.

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 2026-07-14 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased rugs from XXXX XXXX in XXXX, DE on XXXXXXXX XXXX for {$3300.00}. 
I was offered free financing on my purchase by signing up for a Synchrony Bank credit card. To maintain my 0 % interest rate, I had to be sure to pay the minimum on a timely basis. All documents were signed by autopen, and I never reviewed the paperwork trusting my sales representatives. I set up automatic payments with my bank and accepted electronic statements. I did not review my statements since payments were being automatically withdrawn from my bank. I received email from Synchrony Bank indicating that my minimum pay was to be {$110.00} which was higher than usual. This caused me to review my electronic statement which made realize that my 0 % was for only 12 months! The promotional rate had ended on XX/XX/XXXX. I immediately paid my full balance of {$1700.00} on XXXX XXXX. ( Just 7 days after the promotion had ended! ) I requested that Synchrony Bank accept the misunderstanding and adjust my balance to XXXX. Synchrony Bank declined to adjust my balance. I feel that the 0 % financing was not presented clearly and that I was not exposed to any paperwork that would have me become aware of the promotional nature of the 0 % financing.

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