vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Credit Collection Services under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Credit Collection Services, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of XXXX FDCPA and FCRA validation and verification requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited my insurance check from my local credit union. BMO froze my account with warning and I sent several documents through their online portal and I went into the branch. They continued to be rude and stay nothing was received. They would not escalate to supervisor and continued to hang up on me and I felt discriminated and treated like my money was theres and not handle my concern appropriately.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2026, I received an email from XXXX stating that I had made a purchase at XXXX. As i was in bed at the time, I went thru all my accounts and discovered that not only had my XXXX account been wiped out, but also my Experian XXXX XXXX account in the amount of $ XXXX the exact amount i had left in the account. I called Experian and was told that I had to wait until the transaction settled before I could file my dispute. On XX/XX/2026, I filed a dispute with Experian , explaining to them that I was a victim of fraud and that my card XXXX had been scanned while on vacation, at a gas station. I further informed them that, the way their process is set up, I have to always enter my pin when making a purchase. On XX/XX/2026, Experian responded back " no error found '', providing no evidence of their investigation nor how it was conducted. Their reasoning is that I still had hold of the card and the virtual card. Which I would have if my card were scanned.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. I am writing to report that an account appears to have been opened in my name without my knowledge or authorization. The account was opened last year using my personal information, but it was associated with a different address, phone number, and passport number that do not belong to me. I only became aware of this issue approximately XXXX weeks ago, during the month of XXXX, when I attempted to open a new account with Truist Bank. My application was denied because the banks records indicated that I already had an existing account. Prior to that moment, I had never opened or maintained an account with Truist and had no knowledge that an account existed in my name. The account number associated with this unauthorized account is XXXX. I respectfully request that this matter be investigated as a case of potential identity theft or fraudulent account opening. I ask that Truist verify the information used to open the account, including the address, phone number, passport number, and any other identifying information, as these do not belong to me. I also request that the fraudulent account be closed, removed from my records, and that I be informed of the outcome of the investigation. I am willing to provide any documentation or identification necessary to assist with the investigation and to confirm my identity.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In early XX/XX/year>, I requested a blance transfer from my XXXX XXXXXXXX ( issued by Wells Fargo ) to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed the transfer was completed on XX/XX/year>, and I have been paying interest there since. Despite this, XXXXWells Fargo has not applied the payment, continues to show the full balance, has charged additional interest, and is demanding a {$160.00} payment by today - XX/XX/year>. I have made multiple unsuccessful attempts to contact the company by phone and email but have received no response. I am requesting that the balance transfer be applied effective XX/XX/XXXX, all incorrect interest and fees be removed, the payment demand withdrawn, and that no negative information be reported to the credit bureaus.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
I was contacted by someone from zocaloans. Claiming I took a loan out in XXXX I have had my exs daughter steal my identity more than once. I never took a loan out for {$400.00} that they are claiming. The lady went on about how I was lying, stating shes going to sue me and take me to court because it was definitely me that took the loan out. Got very mouthy when I told her it wasnt me and that the email they had I havent used in 7 years. I tried to reason with her. She was very ignorant when I gave her the proper way to pronounce my name. Proceeded to be very unprofessional with me.

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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
This debt is not mine. I dont remember owing this debt. The last time I used this service I paid all amount owed. I want this debt to be removed and deleted from my credit report/ history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I do not believe I owe this debt, and I have no knowledge of entering into any contract or agreement with your company. Because I dispute this account, I request that you provide verification and validation of the debt, including : * A copy of any contract or agreement bearing my signature that creates a legal obligation for this debt. * Documentation showing that your company has the legal authority to collect this alleged debt. * A complete payment history and accounting of the alleged balance. * The name and address of the original creditor, if applicable. Additionally, I have been notified that my personal information was involved in a data breach. As a result, I have concerns regarding the accuracy of information associated with my identity and whether this account may have resulted from inaccurate or compromised information. For that reason, I request that you conduct a thorough investigation before continuing any collection activity. If you can not provide competent evidence demonstrating that I am legally responsible for this debt, I request that you cease collection efforts and notify any consumer reporting agencies to which you have furnished this account that it is disputed. If the debt can not be verified, I request that any inaccurate reporting be removed or corrected. This letter is not an acknowledgment of liability for the alleged debt, nor should it be construed as a promise to pay. It is a formal request for validation and investigation of the account. Please respond in writing to the address listed above. Thank you for your prompt attention to 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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of Americas ATM promised next-day funds of {$270.00}, leaving me with {$0.00} in my account. The date of my deposit was XX/XX/XXXX. It is now XX/XX/XXXX and no deposit or credits have been added. They have placed an unauthorized hold until XX/XX/XXXX despite the issuer verifying the funds are cleared. This is a violation of Regulation CC and has left me with XXXX financial provisions.

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 2026-07-15 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: SC

Complaint narrative:
I have been an XXXX XXXX customer in good standing of Wells Fargo since XXXX. I have had my credit card account with them since XXXX. I even had an auto loan with them that I paid off in XXXX. I have remained a Wells Fargo customer while relocating to 3 different states : XXXX, XXXX and now XXXX XXXX In XX/XX/XXXX, Wells Fargo decreased my credit limit from {$7500.00} to {$4900.00}. At that time I had not asked for a credit reevaluation. In fact, I was paying off a 0 % balance transfer with Wells Fargo. My monthly minimum payment to them was {$47.00} per month I paid them {$100.00} each month. I have since paid it off. This credit limit change negatively impacted my XXXX score by 19 %. While this was going on XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX ( other credit cards that I hold ) were either increasing or offering to increase my credit limit, based on the same credit reports. I am a conscientious XXXX XXXX consumer. The only thing that comes to mind in the way that I am being treated by Wells Fargo is a type of " XXXX XXXX. '' Please take a look into them.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My funds ( {$200000.00} ) became available on the day of XXXX XX/XX/year>. However XXXX XX/XX/year> I wasnt allowed to access any funds nor am I able log into my online banking and I gave Citibank a call and they are saying they are closing my account claiming they can not verify it with the IRS, refusing to provide a clear timeline or alternative verification method. Ive tried to provide them with the information to use the federal Treasury XXXX XXXX XXXX ( XXXX ) and they refused to do so. This is creating economic hardship. Citi reversed the decision after my 1st complaint with you guys and unblocked my account. I went inside the branch and made a withdrawal of {$5000.00} and tried to use my card to get gas and my account was blocked again. However, they are now telling me that my account is back due for another closure. Can I please get help to have them not close my account and demand all funds from the account before they close it? This has been an ongoing economic hardship for over 30 days. Here is my XXXXXXXX XXXX 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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX Georgia CREDIT COLL XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> Account Number : XXXX Amount : CREDIT COLL - XXXX : {$85.00} 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX., two XXXX XXXX XXXX approached me and asked if I would donate to their basketball team. I told them I did not have any cash, and they asked if I could send a donation to their XXXX via XXXX. I agreed, and they took my phone to enter the payment information. Instead of sending a donation to their coach, they used my phone to transfer {$2000.00} to themselves or an unknown recipient. They then dropped my phone and ran away. I immediately contacted Bank of America to report the fraudulent transaction. After two days, my claim was denied. On Monday, XX/XX/XXXX, I reopened the claim and provided the complaint/report number from my local police precinct.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX th XXXX deposited and cleared a check into my account directly from XXXX XXXX. They reached out and told me I needed to wait 22 days to receive my funds. I did that and now they are saying that XXXX cant access my funds and my account is being closed because they cant verify the funds. Even though the funds are in my account they were cleared by the bank and XXXX never tried to take the funds back. They are also saying that they need to send the money back to XXXX XXXX but wont reach out to XXXX to give the information needed to make this happen. Its sounds to me as they are trying to keep the money seeing that they were bought out and will be closed in 30 days.

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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding IC Systems attempt to collect an alleged XXXX Wireless debt that I dispute. I dispute the validity of this alleged debt in its entirety. I have not been provided sufficient evidence demonstrating that I am legally obligated to pay the amount being claimed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I requested, or am requesting, proper validation of this debt. Specifically, I am requesting documentation sufficient to establish : * The identity of the original creditor. * The complete account history and itemization of the balance. * Copies of any contract, service agreement, or documents showing I am legally responsible for the debt. * Documentation demonstrating IC Systems authority to collect the debt. * Documentation establishing ownership or assignment of the account if it has been transferred. * Documentation supporting the amount claimed, including any interest, fees, or other charges. Until this debt is properly validated, I request that IC System cease collection activity as required under XXXX U.S.C. XXXX ( b ). Additionally, if IC System has furnished or continues to furnish information regarding this alleged debt to any consumer reporting agency, I request compliance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX ( a ) and XXXX ( b ). Any information reported must be complete, accurate, and capable of verification. If the debt can not be verified, I request that any reporting be corrected or deleted. I am also concerned that continued attempts to collect this debt without providing adequate validation may constitute unfair or deceptive collection practices prohibited by XXXX U.S.C. XXXX and 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 2026-07-15 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: TX

Complaint narrative:
In a nutshell I was involved what I now know was a travel scam. Scammers posed as an agent for XXXX XXXX, verified all the information on a booked flight I had for travel to XXXX last XXXX. I was trying to upgrade the reservation and were able to retrieve it with the record locator from the airline. They could not accommodate the upgrade but stated they could rebook me at a lower fare. About {$800.00} cheaper. I agreed they ran my card to start the new reservation. Instantly something did not feel right and I Immediately called CITI and told them to block the pending transaction after I had verified with XXXX XXXX no change was made to my existing reservation and no refund applied for even though I had verification directly from the scammer this had happened. CITI originally credited the amount and agreed to investigate. I thought this would take care of the issue and they would reverse the charge. They sent me a notice and said my claim was declined. I called in for more information in XXXX of XXXX after my trip and provided documentation that I was owed a refund from the vendor ( in their own writing ) and that there was a travel scam using the phone number they provided as a contact in their communication. I thought the second claim with proof and verification from CITI that the refund never was processed back to me would be enough to get my stolen funds back. CITI denied the latest claim and when asked why, they just responded I have received the services I paid for. When I asked them to intervene with the vendor on my behalf they gave me XXXX phone numbers, XXXX that has nothing to do with the fake vendor and XXXX in XXXX where the company supposedly exists. All the prior phone numbers the scammer sent me in email correspondence are disconnected. Yet Citi Cards is telling me the vendor is still active. I reached someone in Arizona at the number CITI gave me and they have XXXX affiliation with the company in my emails and denied CITI gave me correct information. I have been an XXXX XXXX CITI card holder for approximately 20 years as I travel often for my business and have no place to turn, fake vendor that stole my funds and provided nothing to me I did not already have, never refunded the amount they claimed they would and a XXXX credit card company not backing me at all even with documented proof sent to them this is a scam. Attached in the exhibits I forwarded show a matched number with other similar travel scams. Citi still has a position that I need to deal with the vendor ( directly ) to which they provided me useless phone numbers and told me I received the services??? They are not giving this the proper attention or backing their customer up.

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