vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CATHAY BANK
State: CA

Complaint narrative:
Dear XXXX XXXX and XXXX XXXX, XXXX am writing to you directly and exclusively in your executive capacities as President & CEO and Executive Chairman of Cathay Bank. You were copied on my prior correspondence detailing serious allegations of misconduct dating back to 2018, involving elder and long-term customers, and outlining ongoing compliance failures and reliance on deficient internal investigations. This morning, I received only a generic acknowledgment from the Compliance Department stating that my complaint was received and that they " will respond accordingly. '' No case number, no scope, no timeline, and no confirmation of executive review were provided. Given the nature of the allegations, the length of time involved, and prior acknowledgments by bank management, this matter requires direct executive oversight, not another closed-loop internal handling by the same compliance function whose conduct is at issue.

Accordingly, I formally request that you provide written executive confirmation of the following : That this matter has been personally reviewed or directed for review by executive leadership, independent of prior internal compliance determinations. That Cathay Bank will conduct a good-faith, comprehensive review of historical evidence from XXXX, including branch records, management acknowledgments, and legally required data retention ( including surveillance/video systems ). That a defined timeline has been established for a substantive written response addressing each allegation raised. That Cathay Bank does not intend to rely solely on prior internal investigations that failed to address acknowledged evidence. Please understand that continued reliance on vague acknowledgments or recycled internal conclusions without transparency or executive accountabilitywill be documented as knowing inaction by senior management. This letter is sent to ensure there is no ambiguity as to executive awareness, oversight responsibility, and accountability for how this matter is handled going forward. I respectfully request a direct written response from executive leadership. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: CA

Complaint narrative:
I disputed a debt with Jefferson Capital Systems , LLC and requested validation under the FDCPA.

The collector failed to provide : An original signed contract Proof of ownership Chain of assignment Itemized accounting Instead, they sent billing statements, which do not constitute legal validation. Despite this, the account continues to be reported on my credit reports.

This is a violation of the FDCPA 1692g and FCRA 611. I am requesting immediate deletion of this account and cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year>, I transferred XXXX USD to XXXX XXXX Bank of America account ( XXXX, XXXX ) for change men. We had an agreement ( via XXXX ) that the recipient would fulfill obligations within three business days after payment. However, the recipient never delivered the service and stopped responding after receiving the money. This is a fraudulent transaction. I have reported this to Bank of America and will provide all evidence including transfer records, chat history and agreement. I request IC3 to investigate and assist with fund recovery and account freeze.He added me through his WeChat account and told me that she could exchange US dollars into XXXX  with a handling fee of only XXXX XXXX dollars. After I transferred the money according to his process, he couldn't contact him after receiving the money.

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 2026-01-21 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: UT

Complaint narrative:
I have what is known at an XXXX XXXX XXXX XXXXXXXX credit card issued by Citi. I have had the card since XXXX. The card allows the user ( me ) to collect ThankYou points when the card is used. The user can then spend the points on items like gift cards, or direct cash. 

I received my most recent statement showing a balance of XXXX points effective XX/XX/XXXX. When I went online to make my payment I noticed the Thankyou points was showing a reduced balance of XXXX, or XXXX less. I called the Thankyou phone number and the representative said those points expired. I said I was not notified that they were expiring. They said sorry but there is nothing they can do about it. I called Citi, the issuer, and they said sorry there is mothing they can do about it. So they took the points which are worth {$71.00}. Looks like petty theft to me. If this is their practice they are taking in great sums of money. I want my points back, especially since my statement said they were available. 

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX wasn't letting me use the card, they kept denying it. 
XXXX XXXX paid the balance over the phone and closed the account. 
I received texts, phone calls and bills stating that I have a late fee. I do not the account was closed and now I'm being harassed. 
I received a letter dated XX/XX/XXXX stating I had a late fee of {$35.00} after closing the account on XXXX XXXX, XXXX texts on XX/XX/XXXX and XX/XX/XXXX new bills with late fees XXXX after account was supposed to be closed XX/XX/XXXX received a voicemail, that said I should call that day to resolve the problem. 
phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I just recieved another bill for a closed accout for {$110.00} I have tried to talk to them and they say I have to open an account for them to fix the problem. 
I have destroyed the card, I did that when I canceled the account on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX because a collection account for {$980.00} suddenly appeared on my credit report without any prior written notice, explanation, or validation. I have absolutely no idea what this debt is for. I never received a letter, never received a phone call, never received a disclosure, and never received any legally required notice before this account was reported to the credit bureaus. The first time I learned about this alleged debt was through my credit report, which is a direct violation of FDCPA 1692g ( a ). That violation alone carries statutory liability of up to {$1000.00}.

Based solely on the company name, I am forced to guess that this may be medical related but I truly do not know, because XXXX has provided XXXX information. Reporting a debt that a consumer can not even identify is reckless, misleading, and harmful. 
Under federal law, XXXX is required to provide lawful written validation before continuing collection or credit reporting. Proper validation requires : Name and address of the original creditor Description of the alleged service or obligation Signed agreement or proof of responsibility Complete itemized accounting of the balance Date of first delinquency Proof of assignment or ownership Proof of written FDCPA notice Proof of mailing or delivery XXXX compliant reporting fields I requested validation more than 30 days ago. XXXX has provided nothing. No documents. No proof. No explanation. No verification. 
Instead, XXXX continues to report this account as if it were proven fact. 
This conduct violates : FDCPA 1692g failure to provide notice and validation FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct reasonable reinvestigation FCRA 623 ( a ) furnishing inaccurate or misleading data XXXX standards requiring factual, verifiable reporting XXXX is reporting an unidentified, unsupported, and unvalidated debt that I do not recognize. That is not compliance that is negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Truist bank in XXXX Florida was contacted upon my mothers death, who had a savings and checking account with them. As her sole beneficiary, I provided the death certificate and my personal identification that they requested. I believe she had a total close to {$300000.00} in her accounts. I received only a cashiers check, # XXXX, for {$93000.00} with no letter, explanation, statement, nor payouts or taxes withheld. I contacted Truist bank more than 10 times over the last month requesting these items, and was told each time I was not entitled to that information due to only being a beneficiary. Two representatives I talked to thought it very strange to only receive a check without any letter, but could not help me any further.

How do I get an honest accounting of my mothers funds now that she is gone?

Please help. 
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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my researchCAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I was a victim of a scam where a friend 's XXXX page was taken over by a person who claimed to be my friend and then contacted me about a car she was selling for her Uncle. Because I had spoken about looking for a car for my son, this was not unusual. I offered to send a downpayment of {$1500.00} via XXXX, which I did. Before I got a confirmation from XXXX, I received a text, saying my payment had not gone through due to a technical issue. I messaged my friend saying that it hadn't gone thru and she suggested I send again, but this time a little less money. This is when I immediately got suspicious and asked how she knew me- and the replies stopped. I called XXXX within minutes of this happening and XXXX had me call citibank. I filed a report very quickly, which I was told by lawyer was good because they could perhaps stop the payment. I sent Citibank the entire conversation between my " friend '' and I, a XXXX warning that her page had become suspicious and looked like it was being controlled outside of the United States and the fake XXXX text i'd been sent ; I called Citibank every day for 10 days, speaking to a different supervisor each time. I also asked them for a provisional credit since it was clear I had been a victume of fraud. I was finally told i'd be contacted by phone at noon eastern time on XX/XX/XXXX as the investigation had finished. They never called me, so I called Citi, when they told me a judgement was not in my favor and the bank who received the money said the " goods '' had been received. Even though I had all the documentation to back up my claim of fraud and no car, Citibank refused to protect 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am trying to close my checking account with Truist bank I called Truist bank directly twice on XX/XX/XXXX and on XX/XX/year> requesting closing my account. 

First time I was told that my account does not exist, Second time I was told that verification text could not be sent to my cell phone on their file. 

I would appreciate your help to close my account.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMorgan Chase Bank , N.A . is furnishing negative/inaccurate information to XXXX XXXX XXXX XXXX XXXX ) about me. I disputed the accuracy of this reporting. 

XXXX XXXX XXXX responded in writing stating that they do not house, possess, or have access to account-level documentation for Chase and that any verification of the disputed information came from the furnisher ( Chase ). XXXX  advised me to contact Chase about how Chase verified the information to XXXX. 

I have requested that Chase provide documentation and the basis for its verification, including : 1 ) A description of the procedure used to verify the information furnished to XXXX XXXX XXXX, 2 ) The records relied upon to verify the accuracy and completeness of the information, 3 ) Copies of any account-level documentation bearing my signature or otherwise establishing a legal obligation, and 4 ) The name/title/contact information of the department or person who verified the information to XXXX. 

To date, Chase has not provided the documentation or proof needed to support the information being furnished to XXXX XXXX XXXX. 

Furnishing and continuing to furnish information that can not be verified is improper. I am requesting that Chase stop furnishing this unverifiable information and instruct XXXX XXXX XXXX to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FCO is falsely reporting on my credit. I have never had any accounts with them. Per my research FCO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: MI

Complaint narrative:
Went to Habitat for Humanity in XXXX XXXX Michigan and when using my debit card they told me I would receive a 4 % fee on my total for using my card and youre only supposed to receive fees for using credit cards. 

They said they were working on the problem but this has been an ongoing legal issue and they did not offer a cash refund for the difference. It is generally illegal and against major card network rules for merchants to add surcharges to debit card transactions, even if processed as credit.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX Furnisher : XXXX XXXX XXXX I am submitting this complaint regarding inaccurate and unfair credit reporting by XXXX XXXX XXXX in connection with my auto loan account. 

The vehicle securing this loan was sold at auction by XXXX. The proceeds from that sale were applied to the account balance. In addition to the auction proceeds, I also paid XXXX approximately {$10000.00} directly, which resulted in XXXX receiving more than the original loan balance. 

As a result, the account was fully satisfied, closed, and no further financial obligation remained. 

Despite this, XXXX continues to report the account with negative payment status language such as not paid as agreed and/or legally paid for less on my consumer credit reports. This reporting is misleading and inaccurate because : The account has a {$0.00} balance The collateral ( vehicle ) was sold by XXXX XXXX received more than the original loan amount when the auction proceeds and my {$10000.00} payment are combined There is no remaining obligation The current reporting suggests that the debt was not properly satisfied, which is false and materially harmful to my credit profile. 

I have requested XXXX to correct the reporting to Paid as Agreed or an equivalent positive closed status, but they have not done so. 

Under the Fair Credit Reporting Act, furnishers are required to report information that is accurate, complete, and not misleading. Reporting a settled and satisfied account as not paid as agreed misrepresents the true condition of the account and unfairly damages my creditworthiness. 

I am requesting that the CFPB require XXXX XXXX XXXX to : Correct the tradeline to reflect Paid as Agreed or a comparable positive closed status, or Remove any derogatory payment status language inconsistent with the account being fully satisfied This matter involves improper credit reporting that continues to cause financial harm despite the account being fully resolved. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Ive been in contact with customer service since XXXX in regards to unknown transactions on my account, I've recently received emails from a business ive never heard of in regards of payments, when I lookedmore into it, this was not me, whomever did this is using my account and routing numbers, ive contacting costumer service multiple times within this past week, I can no longer log into my account online to verify the transactions and nothing is being done to resolve this, being told to open a new account, which i will not do, I am now & have been in the negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-21 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
Company is XXXX  they have some money of mine that was sent from a customer that I previously had done work for I am not able to access my account it's telling me that they're trying to send a code to my old phone number I was able to get a code sent to my email and I was able to send them photo identification verifying that I am the account holder they refuse to update my password or phone number for me and have blocked access to my account they are trying to tell me that some engineering team is working on it because when they send me a password reset link I put in a new password in it when I hit save password it does nothing they're saying it's a buck but it's been 10 days now and they still have not fixed it nor provided any type of resolution nor gave me my money that is on my account

Company response to consumer: Closed with explanation