vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello I opened a bank account with citi bank and my wallet was stolen and I reported the unauthorized transactions promptly I have XXXX liability feature on my debit card. After a couple of days the blocked me from access my funds just saying there are going to close my account without any reason just because I filed a dispute because my card was stolen. I tried contacting them back to speak to a supervisor and no help I even email the executives and no answer. The funds I had in the account is the pay bills and every day late is XXXX dollar fee

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 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Item What It Shows What It Actually Means Status " Paid, Closed. {$650.00} written off. '' The account was charged off ( written off as a loss by the bank ), then later paid. " Paid '' indicates you fulfilled the obligation. Balance {$500.00} This is the problem. A paid charge-off should show {$0.00} balance. Payment History XX/XX/year> = CO ( Charge Off ), XXXX XXXX = CO, XX/XX/year> = CLS ( Closed ) The account was charged off in XX/XX/year> and closed in XX/XX/year>. Comments " Account closed at credit grantor 's request '' This simply means Bank of America closed the account. This remark alone does not negatively impact your score. Your Statement " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE '' You already added this consumer statementgood, but it doesn't fix the underlying balance error. The Key Issue : The {$500.00} balance is inaccurate if you paid this off in full over XXXX years ago. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must report accurate information. A paid account must show {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTE OF INACCURATE ACCOUNT INFORMATION Account Number : Consumer File Number : To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my Experian credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is : Creditor : Bank of America Account Number : XXXX Date Opened : XX/XX/year> The information is inaccurate for the following reason : My credit report currently shows a balance of {$650.00} written off. '' This is incorrect. I paid this account in full over XXXX years ago at the Bank of America XXXX located on XXXX in XXXX XXXX XXXX. I subsequently closed the account approximately XXXX months ago after the bank repeatedly failed to correct this error. Because I satisfied this debt in full, the account should reflect : Balance : {$0.00} Status : Paid in Full / Closed Remarks : Should reflect that the account has been paid and no balance remains Request : Pursuant to the FCRA, I request that you : XXXX. Conduct a reasonable investigation into this matter XXXX. Contact Bank of America to verify the correct balance XXXX. Correct the balance to {$0.00} and update the account status accordingly XXXX. Provide me with a written response detailing the results of your investigation within 30 days Please delete or correct this information immediately. If you can not verify this account as accurate, FCRA requires its removal from my credit report. I expect your response within the timeframe required by law. Sincerely CC : Bank of America XXXX XXXX XXXX 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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has put a substantial longer than usual hold on a check that proof was provided that wouldnt be a return check then they put a XXXX day hold which to only see XXXX hours later it jumps to a XXXX day hold and its not even that much money. Ive called many time both the check issuer and their bank as well as my own bank. They are always advertising they are good with bank with businesses but this is a huge inconvenience for my self and my employees to move the check from the next business day to the XXXX of XXXX wait XXXX days then jump again to the XXXX of XXXX ridiculous

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: AR

Complaint narrative:
I tryed to open small business selling XXXX online. I had XXXX and XXXX as my payment options. I had a person ask for piece of my Art and said the would pay XXXX for it and gave me there address in New Jersey after they said they sent it, I checked XXXX and it was not there, they informed me to check my email so, I did and it said it was from XXXX and it said I needed to call on XXXX to verify my identity to receive funds for business account and at that point they asked to screen share to figure the issue out so I did.. I was unaware until friend informed me that it was a Phish Scam bc XXXX doesn't send emails and to go through checklist. So, I did but not before it took {$270.00} from my XXXX Account through something called Bitcoin transfer and deposited a check for XXXX in US Bank and took all that out from Bank through XXXX except XXXX they did on XXXX paid to guy named XXXX leaving me with no money in no accounts for over a week.. I froze all cards, changed passwords and pins, deleted and uninstalled XXXX, detached XXXX Account from Computer, checked for unfamiliar Apps and Did a Malware and Security Check but was unable to do the steps with US Bank bc they blocked my account closed my account and told me to wait for letter in mail when I called, that just stated my account is closed due to security reasons and I called told them about the Phish Scam and they said she couldn't help me I would need to wait for statement in mail which I received another envelope from US Bank just to receive a bounced check bc it was fraudulent but it was written to me my Name but I did not know about a fraudulent check I have paid {$270.00} towards the closed account already but I am out alot of money myself and even more paying bank back this {$270.00} already and I am sure I will have to figure payment plan to pay the rest back but I deserve to at least be able to file complaint about the issue and not just blocked, account closed, and ignored .. They should be aware of the Hack and the issue and The way they went about it It says I will not be able to open another Bank account somewhere else in future which I Find Unfair although I am the one who fell for a Phish Scam I am aware now and won't fall for it in future so it should not go against me having Bank Account again in Future Thank You ... PS I came back to this page to say I can not provide account number due to them blocking my mobile account and only think I got in mail was the returned fraudulent mobile check picture

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I filed bankruptcy in XXXX and was XXXX the same year. There seems to be accounts reopened from data breaches and dark web connections. Accounts were opened without my consent and authorization. I have tried to work with the original creditor and debt collection agencies to remove items but was refused help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am filing a formal data integrity complaint against Wells Fargo regarding account XXXX. This account is currently reported in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ) and CDIA XXXX XXXX XXXX reporting standards. The bank is publishing inherently conflicting data fields across multiple consumer reporting agencies. XXXX reports a closed/charged-off status with a {$1500.00} balance while maintaining a live {$1100.00} credit limit ( triggering a false 132 % utilization penalty ). XXXX reports the account as closed yet maintains an active monthly payment obligation. These contradictions are not accidental ; they are systemic data failures causing verifiable financial harm to my credit profile. I demand this complaint be escalated immediately to a senior investigator with the authority to audit and correct these trade lines. If this reporting defect is not rectified and the non-compliant record is not completely deleted from all credit files within 20 days, I will initiate binding arbitration to address these intentional violations of the Fair Credit Reporting Act.

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 2026-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing a formal complaint against Barclays Bank Delaware regarding an egregious UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) violation involving deceptive XXXX XXXX XXXX interfaces and a complete lack of upfront regulatory disclosures. Barclays Bank promoted a {$200.00} sign-up bonus directly onto my secure, logged-in online banking dashboard profile. This was a highly targeted digital banner enticing me to open their new " XXXX XXXX '' product, which is a completely separate and distinct product tier with different terms and interest rates than my previous traditional savings account. I clicked this personalized portal offer and opened the account in complete good faith. However, Barclays XXXX XXXX of the President ( via an XXXX named XXXX XXXX issued a final denial letter claiming I am disqualified because a generalized public policy states applicants must be a " new Barclays XXXX customer. '' Barclays is using back-end, hidden fine print to disqualify a consumer after intentionally pushing a targeted offer to an existing customer 's private dashboard. At XXXX XXXX of clicking this customized offer, the user interface did not display, present, or link to any clear and conspicuous documentation stating that existing account holders were excluded. Furthermore, XXXX 's office admitted they only audited outbound physical mail and email logs, completely failing to audit their own internal web application portal banners. I have attempted to resolve this through Barclays ' secure portal message center, demanding a digital audit of my profile 's dashboard on the date of account opening, but the bank has refused to respond. Hiding critical exclusions on a targeted digital cross-selling interface is a deceptive marketing practice. I demand that Barclays honor the digital interface offer it displayed behind its own secure login wall and credit the {$200.00} promotional bonus to my savings account ending in 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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank told me to wait 30-60 days to recieve the funds that were on the account and its been more than 70 days and still nothing

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 2026-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have held a checking account with Bank of America for XXXX years. I recently discovered that I was charged a XXXX XXXX monthly maintenance fee for XXXX months, totaling {$84.00}. I was not clearly informed at account opening that this fee applied or that a minimum balance or other requirement was necessary to avoid it. Upon discovering the charges, I contacted Bank of America customer service on multiple occasions. Each representative told me they would submit a request to have the fees waived. I was later informed that these requests were rejected by the bank 's system and that no refund would be issued. I am requesting a full refund of the {$84.00} in improperly disclosed maintenance fees. I believe the fee structure was not adequately disclosed to me as a customer, and that Bank of America failed to honor the waiver process its own representatives initiated on multiple occasions.

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 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I sent money via XXXX for {$640.00} to the wrong person XXXX XX/XX/year>. I contacted my bank to request the payment to be stopped but I was told the payment was already processed and that the only thing that they could do is submit a claim to request a refund. On XXXX XX/XX/year> I received a notification from my bank that they were unable to give me a refund and that my case was closed. I called XXXX customer service but they referred me back to my bank. I called my bank again and they said that there is nothing else they could do that they can only submit one claim and the other bank refused to refund the money. I also called and texted the person I sent the money to on XX/XX/XXXX and XX/XX/XXXX but didnt get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
The XXXX XXXX tax refund check in the amount of {$14000.00} was issued on XX/XX/year>. The check was stolen from the claimant 's mailbox. After the claimant realized the check had not arrived, they inquired about its status and discovered it had been deposited into an unauthorized account on XX/XX/year>. An investigation indicated that the claimant 's signature was forged on the instrument and it was deposited by a third party. Actions Taken Police Report : The claimant filed a police report regarding the theft and forgery on XX/XX/year>. Notice of XXXX : On XX/XX/year>, the tax products group processing the claim on behalf of the bank sent a letter to the claimant. This letter outlined the necessary steps to pursue a fraud claim, noting that if no response was received within 30 days, the claim efforts would be closed. Affidavit Filing : The claimant completed an " Affidavit of Claimant '' form to formally document the forgery. This document was signed and notarized on XX/XX/year>. Required Documentation : To proceed with the collection process, the claimant was required to submit clear copies of their state-issued driver 's license, social security card, the police report, the notarized affidavit, and a written statement.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Money was withdrawn from an old account that I was told would be closed. It's left me XXXX XXXX in the negative. This company is not concerned about the CFPB because I have complained before and they still deal dishonestly 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 2026-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a formal debt validation request to Sunrise Credit Services via email under the FDCPA, requesting the original signed agreement, complete itemized account history, proof of ownership, and proof of licensing to collect in Michigan. On XX/XX/XXXX, the company responded with XXXX XXXX XXXX XXXX billing statements dated XXXX, XXXX, and XX/XX/XXXX, each showing an identical balance of {$1400.00} with no itemized charges, no payment history, and no changes between them. This does not constitute proper debt validation. I notified the company in writing that the documentation was insufficient and renewed my demand for proper validation or deletion. The company has not responded. Additionally, despite my written request for email-only contact, the company mailed correspondence to an address I no longer reside at, potentially disclosing my personal financial information to a third party. The account continues to report on my credit file without proper validation in violation of the FDCPA.

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WA

Complaint narrative:
Im writing to file a complaint against IC System Inc for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
my complaint is against ally fianancial concerning unlawful debt collection practices on a fully XXXX auto loan. my legal obligation for account nt XXXX was permanently terminated when the complete payoff amount was accepted by the institution. by continuing to demand monthly payments. ally is using false and deceptive representation to a collect a debt not owed. on XXXXXXXX XXXX, the company received a formal written demand and cease and desist notice. ally financial has willfully harassed me & my co-signer, XXXX XXXX, with repeated automated collection calls, and monthly billing statements. these deceptive collection efforts and false reporting directly prevent me from securing financing for a planned recreational vehicle, causing significant emotional distress and financial hardship to myself and XXXX son, as we are unable to go on a planned family summer vacation. the company is knowingly violating the FDCPA by using g false and deceptive representations to collect a debt not owed

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 2026-07-02 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: SC

Complaint narrative:
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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I paid my auto loan with Hyundai XXXX XXXX in full on XX/XX/year>. Despite full payoff, Hyundai Motor Finance has failed to release the electronic lien on my vehicle for nearly two yearsXXXX Hyundai XXXX XXXX has not properly released the lien after payoff and has provided inconsistent and unresolved support, including : XXXX Claiming the title could not be located XXXX Sending notarized documents with an incorrect legal name * Repeatedly opening and closing escalation tickets without resolution or follow ups. The lien still remains active despite full payoff. ( 2 years later ) Because of this, I am unable to obtain a clear title, sell, or trade my vehicle. The Arizona XXXX XXXX XXXX has confirmed the lien remains active and can not be removed without XXXX XXXX XXXX electronic release.

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