vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
Dear Citibank Customer Service, My name is XXXX XXXX, and I recently opened a Citibank Gold account approximately XXXX hours ago XX/XX/XXXX. I am writing to formally document that I was under the impression based on representations made to me that this account could be maintained through a monthly fee structure similar to other institutions. Upon realizing this was not the case, I immediately requested that the account be closed and that no funds be retained. I was informed that the account would be closed and that I would not be required to proceed with the wired funds. However, it appears that a transaction may still be pending. I am requesting the following actions immediately : - Confirmation that my account has been closed - Reversal or cancellation of any pending transactions- Written confirmation that no funds will be retained or debited Please treat this matter as urgent and provide written confirmation of resolution. Your company further more legally overdraft my account I told you over the phone. I am not going to pay you. You guys lied about the services you provide in your website is extremely misleading. I dont want cash refund. I want my funds reversed immediately to my account. Furthermore, no funds were taken rather you overdrafted my account. I do not have an account number because the account is brand new the last XXXX of my social are XXXX The account is associated with this email the phone number attached to it XXXX close the account immediately or Im suing you. You were on a recorded line and you already stated that you had put in a close request and that you were not going to take the money and I also recorded you on my side. Thank you for your prompt attention. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a loan taken out in my name on XX/XX/XXXX for {$44000.00} for a refinancing of a XXXX vehicle without my consent. I did not apply for this loan and did not give authorization or permission for anyone else to do so. I called Navy Federal CU and they stated that I need to fill out a forgery/fraud form and submit it as well as a FTC report XXXX I called on XX/XX/XXXX and spoke with XXXX in the Loans dept who verified that this loan was initiated by XXXX XXXX. I asked XXXX to cancel loan immediately and I would fill out the things requested. Monday XX/XX/XXXX, I called Navy Federal again and that is when I was told by another representative that an employee in the loan department used MY access code in their system instead of the person who was applying which resulted in my information being listed and ultimately this loan take out in my name and my credit being ran. Navy Fed informed me this loan would be closed AND that my credit would be fixed. They stated they would report it to the credit bureau ( transunion specifically ) and that they would remove this loan from my account. Neither of these situations have happened. They stole my information for this loan. I have never spoken with a representative about any loans. I have never put my SSN into any system of theres besides opening the account and 1 credit card. This is an absolute violation of my rights, my privacy, and theft of my information due to me NOT AUTHORIZING this to occur. There has been no explanation or attempt to fix this situation. They closed my request yesterday to cancel this loan but am still unsure if it is cancelled. If this is not rectified, I will definitly be getting an attorney. This is absolutely unacceptable and honestly, sorry is not enough in this situation. If this is not rectified soon, I WILL be contacting an attorney. This could ultimately ruin my credit if this is not fixed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX TD Bank for Permanent Blocking of XXXX Access Dear XXXX XXXX XXXX, I am writing to formally file a complaint against TD Bank regarding the permanent blocking of my access to XXXX services associated with my bank account. I have been a customer of TD Bank for several years, and I have maintained my account in good standing. Recently, I discovered that my ability to use XXXX through my TD Bank account was permanently blocked. I was not provided with a clear or detailed explanation for this action. I contacted TD Banks customer service via phone and in person in an effort to understand the reason for this restriction and to seek resolution. Unfortunately, I was either given vague responses or no meaningful explanation at all. Additionally, I was not given an opportunity to address or resolve any alleged issue that may have led to this decision. This situation has caused significant inconvenience, as I rely on XXXX for sending and receiving funds. The lack of transparency and due process in this matter is both frustrating and concerning. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and assist with the following : A clear and detailed explanation from TD Bank regarding why my XXXX access was permanently blocked A review of whether this action was justified and in compliance with consumer protection laws Assistance in restoring my access to XXXX, if appropriate, or guidance on further steps I may take. Thank you for your time and attention to this matter. I appreciate your assistance in helping to resolve this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am disputing a {$160.00} transaction ( Transaction ID # XXXX ) sent on XX/XX/2026 that was an accidental transfer to a trusted contact. While the recipient attempted to refund the money immediately, Cash App blocked the refund to satisfy an outstanding " Borrow '' loan balance on the recipient 's account. Cash App is engaging in an Unfair and Deceptive Practice by seizing funds from an innocent third party to satisfy a debt that is not mine. Furthermore, Cash Apps own Terms of Service ( Section : Repayment ) state that they have " no legal or contractual claim or remedy '' regarding the failure to repay these balances. If the company admits they have no legal claim to the money from the debtor, they certainly have no legal right to confiscate it from me, a third party, against the recipient 's will. I contacted support multiple times ( Case # : XXXX ) and spoke with a manager named XXXX. I pointed out that their terms allow users to opt-out of autopay, and the recipient 's attempt to refund me should serve as a revocation of authorization for those specific funds. The manager refused to address the legal contradiction and closed my case, stating they were " unable '' to help despite having the technical ability to reverse errors. I specifically pointed out to Cash App management that their system lacks a basic transparency prompt. The app allows users to send money without warning them that the recipients account is in a 'restricted ' or 'overdraft ' status that will trigger an immediate, irreversible XXXX of funds. By failing to provide this warning, Cash App is knowingly allowing accidental transfers to occur so they can collect on 'no obligation ' debts from third parties who never consented to pay them. This lack of transparency is a deceptive omission designed to prioritize corporate debt collection over consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a purchase for a handheld computer on XXXX and paid the seller via PayPal in the amount of XXXX on XX/XX/16. I never received the item it was delivered to another location as per the delivery picture I retrieved from XXXX. I filed a complaint with XXXX and they closed the sellers account account and ruled fraud. I also opened a dispute with PayPal and after 3 weeks and being told it would be ruled in my favor I was denied simply because there was a tracking number. The reviewer never reviewed what I submitted as support even after I reopened the case. Now it is closed. The purchase was made via PayPal XXXX XXXX XXXX and I have paid 2 of 4 payments totaling in {$460.00} and another XXXX due on XX/XX/XXXX and XX/XX/XXXX respectively. I dont feel its appropriate to close this case as it is clearly fraud and would like the money refunded in full to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: NY

Complaint narrative:
This is a continuation of complaint XXXX, which Citi lied to us about. There is ongoing fraud being committed by a Citi employee. I contacted XXXX XXXX directly, but she lied to us and to you, saying it was permanently resolved. But the fraud continues.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ]. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I need to remove my debt collection on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding my mortgage lenders failure to process and communicate the status of my Deed in Lieu ( DIL ) application. I applied for a Deed in Lieu in XX/XX/XXXX and was told the process would take approximately 60 days. Since then : In XX/XX/XXXX, I was informed my file was in underwriting pending title review Since that time, I have received no updates despite repeated phone calls and emails I have been given email contacts that do not respond I have attempted to contact the assigned representative with no success I am actively trying to avoid foreclosure and resolve my mortgage responsibly through a Deed in Lieu. However, the lack of communication and delay is putting me at serious risk. I am requesting : 1. Immediate written confirmation of the status of my DIL application 2. Clarification on whether foreclosure proceedings have been initiated 3. A clear timeline for a decision 4. Assignment of a responsive point of contact I have made good-faith efforts to resolve this matter and need urgent assistance before my situation worsens. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to file a formal complaint regarding incorrect information reported by American Education Services on my credit report. Specifically, the account number XXXX is listed as derogatory, and I believe this is an error. I have already filed disputes regarding this incorrect information on multiple occasions. On XX/XX/XXXX, and XX/XX/XXXX, I submitted disputes to the credit reporting agencies as 'Incorrect Details ' using the automated systems provided by XXXX XXXX XXXX XXXX XXXX XXXX Despite these efforts, the incorrect account status remains, adversely affecting my credit scores, which currently stand at XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. The continuous reporting of this account as derogatory is causing me significant harm, impacting my ability to obtain credit or loans at reasonable rates. This situation is not only frustrating but unjust, as I believe the information is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report, and the credit reporting agencies are obligated to investigate my claims within a reasonable timeframe. Despite my prior attempts to resolve this matter, the erroneous reporting persists. Therefore, I am requesting the complete removal of this account from all three credit bureausXXXX XXXX XXXX XXXX. This action would correct the inaccuracies and help restore my creditworthiness. I urge American Education Services and the credit reporting agencies to address this issue promptly and rectify the incorrect reporting to prevent further damage to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Zelle for Permanent Account Block Dear XXXX XXXX XXXX I am writing to formally file a complaint against Zelle regarding the permanent blocking of my account without clear explanation or adequate resolution. I have been a user of Zelle for several years, and I have always used the service responsibly and in good faith. Recently, I was notified that my account had been permanently blocked. However, I was not provided with a clear reason for this action, nor was I given an opportunity to resolve any alleged issue. I attempted to contact Zelles customer service to understand the reason for the block and to seek assistance in restoring my account. Unfortunately, I was unable to receive a satisfactory explanation or meaningful support. This has caused significant inconvenience, as I rely on Zelle for personal financial transactions. I believe this action to be unfair and lacking transparency. As a consumer, I have the right to understand why such a decision was made and to have an opportunity to address any concerns. The lack of communication and resolution has left me frustrated and without access to a service I depend on. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in obtaining : 1. A clear explanation for the permanent block of my account 2. A review of the decision to determine if it was justified 3. Assistance in restoring my account, if appropriate, or guidance on further steps Thank you for your time and attention to this matter. I appreciate your assistance in helping resolve this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX, I woke up to find multiple duplicate charges on my NBT Bank account and an unexpected negative balance. My available balance also showed as negative, even though these charges were unauthorized and had not posted. I immediately contacted NBT Bank to report the issue. The bank acknowledged the problem but nothing has been resolved we are now on day XXXX...., and I have had no access to my money for days. I can not use my debit card, withdraw funds, or view accurate account information. The bank has not provided a clear explanation, a timeline for resolution, or a temporary credit. This situation has caused significant financial harm. I have had to call out of work for XXXX days because I can not pay for transportation or basic needs. I am unable to provide for my children or my household because I have no access to any of my own funds. This has created severe stress and instability for my family. I am requesting immediate correction of the account errors, restoration of access to my funds, removal of the incorrect negative balance, and a clear explanation of what caused this issue.

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 2026-04-15 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: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
On Sunday, XX/XX/year>, I transferred $ XXXX my XXXX XXXX account to my XXXX XXXX. I then bought XXXX on the XXXX XXXX {$10000.00} worth. I was not able to make a transfer to a platform that I needed so I then transferred the bitcoin to Robinhood. And then Monday morning on XX/XX/XXXX I sold the bitcoin and transferred it back to Cash on Robinhood. As I proceeded to return that {$10000.00} back to my XXXX XXXX account and Robinhood would not allow me saying my account has been frozen for suspicious activity. I emailed them and called them and they said I have to just wait for the review too pass through although now I see they keep extending the date when they say they will complete review. I even provided them with 60 days worth of my checking account in my savings account from XXXX XXXX where you can clearly see all the transactions I have done with XXXX I have also included screenshots of XXXX with transactions are very clear, including the XXXX XXXX transaction I had that I used to transfer to Robinhood. I read many people complaining about this SAME problem Im having where Robinhood continues to drag out for weeks and months, and hold onto their funds illegally for no reason. This is absolutely ridiculous and shouldve never happened.! I have done nothing illegal. I have used my hard earned money to buy XXXX and then they try to freeze my account and theres no way of getting a hold of anybody except for someone who calls you just to tell you that theres nothing they can do. I have provided them with 60 days worth of bank statements and screenshots six different attachments. I answered very personal questions that they asked me about what I bought and where I transferred XXXX this is absolutely ridiculous and I feel I have been harassed by them, and my money is being held hostage! Please help me and please do something about this they can not be holding onto my money! Thank you so much!!

Company response to consumer: Closed with explanation