vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi AAdvantage credit card after seeing a promotion offering a {$200.00} statement credit toward an XXXX XXXX purchase. During the application process, the website returned an error page after I submitted my information. Because of this error, I reasonably believed the application had not gone through and proceeded to purchase my {$580.00} XXXX XXXX flight without the card. I later discovered that the application had actually been approved despite the error message. As a result, I now have a credit card account I did not intend to open under those circumstances and did not receive the {$200.00} credit that was the primary reason I applied. When I contacted Citi through customer support, I explained that the error during the application process created confusion. However, Citi refused to review the situation or offer a goodwill resolution and instead placed the responsibility on me for not confirming the application status after receiving an error page. From a consumer perspective, when a financial application returns an error message, it reasonably indicates that the submission did not complete successfully. Consumers should be able to rely on financial institutions application systems to clearly communicate whether an application was submitted or approved. Additionally, the resolution suggested by Citi effectively requires me to spend another {$200.00} with XXXX XXXX in order to receive the {$200.00} statement credit. After already spending {$580.00} on the flight that motivated me to apply for the card in the first place, this feels misleading and creates the impression that the promotion is structured to push consumers into making additional purchases in order to receive the advertised benefit. I am requesting that Citi review this situation and apply the {$200.00} statement credit or otherwise provide a reasonable resolution given that the confusion originated from the application error.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I came into Citi Bank in XXXX, CA on XX/XX/XXXX to cash a check. I was told I would be unable to cash it since it was a large amount but I can open a bank account and deposit the check and it would be available in a week on XX/XX/XXXX. Today on XX/XX/XXXX I went back to Citi bank to make a withdrawal and I was told I would not be able to make a withdrawal and my account was going to be under review and I would receive a call between 24-48 hours. I believe I am being discriminated against because I am a XXXX XXXX and that is unacceptable.

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I started a saving account with cashapp block XXXX and started transferring money thru my XXXX XXXXXXXX XXXX between XXXX thru XXXX.i thought cashapp was a legit place, they had stocks to invest in and Bitcoin, I never thought I lose my money.my account was closed around XXXX never got a refund for the {$1800.00} I had saved in cashapp.i contacted customer service they told me they couldn't find my account. I haven't retrieved my money or got refund to this day. I hope cfpb can help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2026, I called Bank of America customer service, and they told me my account was blocked and would be closed. I asked why, but they didn't give me a reason. On XX/XX/2026, I went to a Bank of America branch in XXXX XXXX, and they still didn't give me an explanation. Today, XX/XX/2026, I went to another Bank of America branch, and they told me my account would be closed and that the {$210.00} I have in my account would be sent on XX/XX/2026, due to an investigation, but they didn't give me a reason. It seems like a very long time to keep my money from me because of an investigation they haven't explained. I need my money back as soon as possible because I have a financial emergency ; they're going to disconnect my electricity, and this is hurting 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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo has froze and unreleased {$20000.00} belonging to me for over 6 months. On XX/XX/2025 a {$20000.00} transfer wire request verification was sent by Wells Fargo to verify accuracy of wire request from XXXX XXXX XXXX on behalf of their account holder, due to the account number and name not matching records. On XX/XX/2025, less than 24 hours, XXXX XXXX XXXX recalled the wire as it was discovered the account number was incorrect. The {$20000.00} wire was intended for account ending in XXXX. Due to me being a Wells Fargo customer, I went into the branch and informed the banker of the issue of funds being sent to the wrong account and she was able to call and have the funds retrieved from the incorrect account on XX/XX/2025. Since then the sender has followed the necessary process of working with the wire fraud department of XXXX XXXX XXXX and Wells Fargo to no avail. All requested steps and timeframes have been met and egregiously exceeded. The wire recall and letter of Indemnity was submitted in XXXX and again XX/XX/2025 to Wells Fargo. I personally contacted the Wells Fargo Executive Escalation department in XX/XX/2025 only for them to close this unresolved issue on complaint id # and not return the funds to the sender or the correct account. XXXX XXXX XXXX has informed us that they are awaiting funds to be returned from Wells Fargo and it should have been resolved by XXXX at the latest, yet no funds have been released. I additionally called again today with sender on the line to the Wells Fargo Executive Office for Customer Escalation concerning this matter and was given another case # instead of immediate resolution, considering the severity of how outstanding this matter is.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
I sent this company letters telling them that the account that is reporting on my credit report is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I received a phone call that appeared under my saved Wells Fargo contact on my phone. Because the call displayed as Wells Fargo, I believed I was speaking directly with my bank. The caller instructed me to take actions to protect my accounts. While I was on the phone with the person I believed was Wells Fargo, I followed those instructions and transactions occurred through XXXX, XXXX XXXX, and my Wells Fargo checking account. I later discovered the caller was a scammer impersonating Wells Fargo using caller ID spoofing. I reported the incident immediately. Wells Fargo denied my fraud claim stating the transactions were authorized and therefore classified as a scam. However, I authorized the transactions only because the caller appeared to be Wells Fargo and I believed I was following instructions from my bank. I am requesting that Wells Fargo review this case again considering the impersonation of the bank and the caller ID spoofing that caused me to believe I was communicating directly with Wells Fargo. Additionally, Wells Fargo approved reimbursement for some transactions connected to the same individuals or recipient names involved in this incident, while denying others from the same event. This inconsistency is confusing to me because the transactions were all part of the same impersonation call and scam. I am requesting that the entire situation be reviewed together rather than separating individual transactions that occurred during the same fraudulent interaction.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Subject : Debt Validation Request To Whom It May Concern, I am writing in response to a collection account that you claim I owe. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692g, I dispute the validity of this debt and request that you provide proper validation before any further collection activity continues. Please provide the following : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including a complete breakdown of any interest, fees, or charges. 3. A copy of the original signed agreement or contract bearing my signature showing that I agreed to this debt. 4. Documentation showing that your company has been assigned or has the legal authority to collect this debt. 5. The date the alleged debt was incurred and the date of last payment. 6. Complete payment history and account records from the original creditor. Until you provide the requested documentation verifying this debt, you must cease collection activities as required under federal law. Additionally, if this account is being reported to any consumer reporting agencies, please note that reporting an unverified debt may constitute inaccurate reporting. If you can not provide the requested validation, I request that you cease collection efforts and remove any reference to this account from my credit report. I request that all future correspondence regarding this matter be made in writing. Sincerely, Your XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Validation of Debt Request - XXXX - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I feel like I have been scammed/ fraud committed by XXXX XXXX and Ive XXXX to contact them multiple times to get this corrected however, they never return my phone calls. On XX/XX/XXXX XXXX XXXX came to my house to sell me a new air conditioner. They sold me a XXXX XXXX because I was supposed to get FREE 10 year maintenance, 10 year warranty and a 10 year parts worth up to {$5000.00} in savings. The sales person XXXX XXXX, also told me they had a special on finance it at 7.9 %. He told me the total for the ac unit and the new hot water tank would be $ XXXX and I needed to put down a XXXX deposit. This is where everything starts to go wrong. He got on the phone with XXXX XXXX and he told me I didnt qualify for the 7.9 % finance that they are approving me at 9.9 %. I wasnt happy because I do have good credit considering I just bought this house last year and put down over 80 %. Anyways I agreed to the 9.9 %. I gave them a check for XXXX thinking my balance would be XXXX. I never saw anything in writing but had to sign a blank tablet to get my air conditioner. I asked about the paperwork and he said I would get everything in the mail in a couple of weeks and they do everything over the internet now. I received my first bill in XXXX and it didnt look correct. I had to call XXXX XXXX and tell them I never received my paperwork. I finally got my paperwork by email on XX/XX/XXXX. At which time I noticed they were charging me incorrectly on my interest rate. Service finance is and has been charging me 10.9 %. I also saw the price was originally XXXX and not XXXX. I also notice they charged me {$3500.00} for warranty and Maintenance that was supposed to be free with getting the better air conditioner. I did not agree to any of that. I have called XXXX XXXX in XXXX a few times in XXXX and XXXX. Now this month I get an automated service and cant even talk to a person. No supervisor has called me back. I contacted XXXX XXXX by phone and email on XX/XX/XXXX. I sent them all the documents stating they are charging me incorrectly. They said it would take a month to investigate. I havent heard back and still getting charged 10.9 % interest for the past 7 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was overcharged for dental work performed in XXXX of last year. I contacted the dentist multiple times and they issued a credit in the amount of {$1200.00}, I requested support for how they determined this amount and they couldn't provide it. I disputed the balance charged to my Care Credit card on XX/XX/2025. Care credit determined the amount is corrected based on estimates they dentist sent them, which they did send to me and I will include here. They ignored my claims documentation. I disputed the balance again with Care Credit on XX/XX/XXXX and they again closed the dispute and claim the balance is accurate. It is not accurate. I have XXXX dental insurance policies. This dentist is in-network with both companies and can only charge their agreed -upon contracted rate for various procedures, they can't charge whatever they want, that is the law in the State of Texas. Further they charged my insurance companies for procedures that were never done, they kept trying to sell me on " periodontal maintenance '' on at least XXXX occasions and I said no every time. This wasn't done. There were no flouride treatments. To give you some context I went to this dentist for a tooth extraction and a bridge. I went in XXXX, and XXXX appointments later they finally got the bridge to fit in XXXX, I have since learned the XXXX XXXX has taken remedial action against this dentist in the past, what should have cost me only {$460.00} out of pocket, they originally charged me {$2200.00}. Care Credit has exercised no due diligence in crediting the egregious overcharges as these fraudulent practitioners bring them business.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Atlantic Auto Credit LLC
State: NJ

Complaint narrative:
My home mail was paused by an impersonator on XX/XX/year>. XXXX and XXXX credit cards were applied for under my name

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Good afternoon XXXX XXXX, I am contacting you today because I haven't received a response from the bank regarding the letter of guarantee I need to send to XXXX XXXX XXXX. They are waiting for the document to process the payment for my XXXX XXXX XXXX that I lost on XX/XX/XXXX, which is in the insurance possession because the car was declared a total loss. XXXX XXXX will send the check for the market value of the car and any remaining balance in the account will be covered by the GAP insurance that is provided for your company Westlake Financial. I'm not to be able to make anymore monthly payments of the car and I should not because I'm covered for state farm and gap insurance, so I need this matter to be solved by the end of this week. If not by Monday I will have my lawyer to handle this situation for me, and my lawyer also will send an invoice with the expenses that currently I have because the inconvenience in the resolution for this matter. Thank you very much in advance for your cooperation to finalize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation