vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank accepted and deposited two cashiers checks totaling approximately {$480000.00}. The first cashiers check, issued by XXXX XXXX XXXX, was deposited in XX/XX/year> at a XXXX XXXX branch after verification with the issuing bank, and Citibank advised the funds would be available within 12 business days. Instead, account access was blocked without written notice, explanation, or timeline, and the funds were held for nearly 60 days. 

After repeated in-branch visits and calls, Citibank stated the check allegedly lacked an authorized signature, despite having already accepted and verified it. No written confirmation or resolution was provided. The funds were eventually released, and normal account access resumed. 

A second cashiers check, issued by XXXX XXXX  was later deposited after additional verification. Outgoing wire transfers were then sent to vendors. Weeks later, Citibank issued legal notices alleging check fraud to a third-party vendors bank, causing the vendors business account to be frozen and funds to be restricted. Citibank has since held or restricted approximately {$480000.00} in total business funds for over 90120 days. 

Despite extensive efforts to resolve the issue, Citibank has provided no written explanation, no clear justification, and no resolution timeline, while its actions have caused significant financial and operational harm.

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 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My financial record, as it currently stands, contains inaccuracies and missing information that affect its accuracy, and I kindly request a comprehensive review and correction.

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 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: MS

Complaint narrative:
I am being wrongfully charged by the collection agency of Absolute Recovery Services XXXX XXXX XXXX XXXX. The amount claimed to be owe is XXXX. I have no knowledge of this collection & this is a Demad For Debt Validation pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). This Agency is currently in violation of federal law by continuing to report account to the credit bureau with sustaining right to collect. If they can not prove full ownership or legal right to collect this debt, youre knowingly furnishing inaccurate & unverifiable information, which is a direct violation of FCRA ( 15U.S. Code 1681s- ( a ) ( I ) ( A ) ). Within 15 days I need the original sign contract showing liability for this debt, the comple chain of tittle or assessment of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding MoneyLions continued reporting of a negative account on my credit report while simultaneously refusing to provide a way for me to resolve or pay the alleged debt. 
This account is currently unpaid, however I have made attempts to obtain information on how to pay or resolve the balance. MoneyLion has failed to provide clear instructions, payment options, or adequate account details, while continuing to report the account negatively to the credit bureaus. 
Reporting a debt while preventing a consumer from resolving it is unfair and harmful. If MoneyLion can not provide accurate validation of this account, including a complete payment history, original agreement, and clear method of repayment, then they should not be reporting this account. 
Under the Fair Credit Reporting Act, information furnished to the credit bureaus must be accurate, verifiable, and complete. At this time, I do not believe MoneyLion can substantiate the reporting on this account.

I am requesting that MoneyLion either : Provide full written validation of the account and clear instructions for payment, or Remove this account entirely from my credit report if they are unable to properly verify or service it. 
I am also requesting correction of my credit reports with all bureaus to reflect the appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: FL

Complaint narrative:
I have been receiving emails from a company called January saying I owe {$1100.00} to XXXX  for a purchase at XXXX XXXX. I have no knowledge of this account. This loan was not opened by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts were created without my permission, and I am not connected to them. I am requesting a review of this issue and the removal of the accounts after confirmation. Supporting documentation is provided.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I called Chase credit card XXXX and asked if they were going to comply with the XXXX percent interest cap that XXXX XXXX was to be imposed XX/XX/year> and they said they are not as of now. Today is XXXX. I asked if they could reduce my interest rate from XXXX and they said they could not as its variable each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
On XX/XX/year> made a check deposit to both checking and savings accounts using remote deposit features in the online mobile banking application. Checks were made to me concerning a closed account from another financial institution and were made payable to me, and my name is the same on the deposit accounts. Later that evening on XX/XX/year>, I received a notification via email that I needed to contact the Etrade customer service due to suspicious activity. On XX/XX/year>, I contacted the Etrade customer service and found that there is no suspicious activity, but that they wanted to verify the check. The agent then proceeded to contact the bank from which the check is drawn from and asked me to verify my information. Not knowing who was contacted, I refused to provide and terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo failed to conduct a reasonable fraud and identity theft investigation and denied me due process during its review. 
I reported fraudulent activity and identity theft involving multiple Wells Fargo accounts that were opened and/or reported without my authorization. The accounts affected include those ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, all of which were negatively reported. 
During XXXX XXXX investigation, the bank never requested supporting documentation from me, including police reports, FTC Identity Theft Affidavits, sworn statements, or any other evidence that could substantiate my fraud claim. I was not given any opportunity to submit proof or participate meaningfully in the investigation. 
Despite never requesting or reviewing consumer-provided evidence, Wells Fargo later issued a written response dated XX/XX/year> admitting that the accounts were not opened by me and were the result of identity theft, and stating that negative reporting had been deleted. 
Wells Fargo claims it fully determined fraud occurred, yet this determination was made without requesting or reviewing any documentation from me, demonstrating that the bank failed to conduct a reasonable, good-faith investigation and relied on internal assumptions rather than facts. 
By denying me the opportunity to submit evidence related to the fraudulent accounts ending in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, Wells Fargo deprived me of due process and failed to follow proper consumer protection standards.

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 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander Consumer USA XXXX XXXX. 
Attn : Legal / Compliance Department Re : Account Ending XXXX Signature Not Mine To Whom It XXXX Concern, I am formally disputing the above-referenced account and demanding immediate cessation of collection and credit reporting activity. 

The signature on the alleged retail installment contract is not my signature. I did not sign, authorize, or consent to any agreement with Santander Consumer USA regarding this account. 

A contract executed without consent is XXXX XXXX XXXX and unenforceable ( XXXX XXXX FDIC, XXXX XXXX XXXX, XXXX ( 1987 ) ; Restatement ( Second ) of Contracts XXXX ). Continued collection or reporting of an account based on a disputed or forged signature constitutes false representation and inaccurate credit reporting. 

Demand for XXXX XXXX to XXXX XXXX. XXXX ( b ) and applicable state law, I demand that Santander provide : XXXX. The original signed contract bearing my authenticated signature XXXX. Any signature authentication or expert verification relied upon XXXX. A complete payment history and chain of title XXXX authenticated proof, you are required to : Cease all collection activity Request deletion of this tradeline from all credit reporting agencies Provide written confirmation of deletion Failure to comply will result in regulatory complaints and potential civil action. 

This letter is not an acknowledgment of liability and all rights are reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I started the XXXX process for refinance. Was told to get my XXXX payment in by the end of the month to move forward. Email proof the payment was made in agreement. They XXXX XXXX XXXX confirmed as I sent him a picture of the payment made on their portal by email. XXXX  Refinance was approved though all channels. I was called by XXXX XXXX with the approval.Checked daily to see if payment had cleared because the money was still sitting in my account as I told them. They tried to say it was a issue with my bank or the back had a block. Bank confirmed no block and that was a lie. Freedom Mortgage refunded the payment. Til this day they have blue me off with servals others tried to help me get the payment back to them. No one in this whole company could take the payment back. I end up having to try call it in again myself and was successful. Checking daily with my back confirmed that it went through. So they are lieing about a block. They refunded the payment and have me now messed up with my refinance. Someone called and they just told me I had to pay XXXX then they could do my refinance. But they already have XXXX behind at This point. No one has money just sitting around to make XXXX mortgage payments back to back. My refinance was already approved and they themselves messed up the transaction and are not taking responsibility.In turn they just sent a email canceling my signature of paperwork. I had a appointment to meet with the lady to sign paperwork on XX/XX/XXXX. They cancelled it by email. Marking it has rescheduled. Then blue me off when I called. Everyone has blown me off. Except for XXXX XXXX and her boss, who have tried to help me. With no success. They even raised the complaint but still I was blown off for the error that freedom mortgage has made. This is a horrible company my mortgage was sold to and their reviews speak volumes. A a veteran this is truly messing with my XXXX and the disrespect I have experienced is very heartbreaking.

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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have been reaching our to Aidvantage over several months and every time there are different answers. None are the same. I filed a complaint with CFPB and Aidvantage responded by saying they do not have a timeline. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: OR

Complaint narrative:
I got emergency advance from XXXX on the XXXX. I was able to use the direct express card that day. Today it has been declined as they need to verify my ID. I have sent them a copy of my driver 's lisence 4 times now. And I get nothing. No confirmation nothing. I call them back and they say for me to send again. So I do and nothing. This is an emergency advance for a reason and they are keeping it from me and I desperately need it. Im facing eviction. I told my landlord I would be paying my rent thur and I didn't. Now I look like a big liar. They won't help me resolve this. I just get the send an email of ur lisence I get no confirmation. It's making me have a XXXX XXXX .. my phone was shut off my car insurance canceled and they are not doing a thing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
b'What is your legal name? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nphone number linked to your account? XXXXWhat is the date and amount of each transaction related to the issue?\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTheres MORE\n3. Why do you believe an error occurred with this payment? My XXXX XXXX, wallet, pin information, passwords, and State ID were stolen on XXXX XXXX XXXX XXXX XXXX XXXX and then my XXXX  XXXX was stolen again XXXX XXXX XXXX XXXX XXXX XXXX. I tracked the devices on both locations, opened 2 police reports, and also opened multiple claims with the CFPB. I HAVENT RECEIVED A FULL REFUND AND NO LONGER CAN ACCESS THE CASHAPP WITH MY DEVICE'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
Im the beneficiary of my mothers life insurance policy. I made a mobile deposit at home after receiving a check. USAA is holding my money XXXX because they can. It is not their money to hold. It is my money. 

In XXXX, they did the same thing to me. I made a double mortgage payment that put me {$2000.00} in the hole. I worked with my mortgage company. They cut me a check. I made a mobile deposit, but USAA would not release 100 % of the funds because I had gone in the hole even though the funds that I gave to them which again is my money it is no one elses but mine Was more than enough to bring my account into balance. Even after receiving a paycheck from my ski employer and a loan from my daughter bringing my account to - {$92.00}. It wasnt enough for them to release the rest of my money. 

I am having a similar situation with my mothers insurance money. That is my money. It is not USAAs money. I XXXX want it. I cant turn on the news here in XXXX  to hear about all the fun things that are happening with a certain group of people. Apparently I make too much money with my XXXX  retirement and I can not qualify for food stamps. Isnt that awesome

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
CFPB Complaint I have proactively offered my identification and address verification to facilitate a refund check ( as allowed by Section 12.5.3 ), but the bank has refused to acknowledge these documents or provide a secure channel to submit them, effectively stalled my access to my money. 
The bank claims my direct deposits were " automatically returned to the source. '' However, my employer ( XXXX XXXX XXXX ) has confirmed they have not received these funds. The bank has refused to provide XXXX XXXX Numbers to verify these alleged returns, leaving my wages in " limbo. '' By withholding my verified payroll of {$550.00} ( dated XX/XX/year> ), Current has stripped me of my ability to pay for basic necessities like rent and groceries. They are using an internal " investigation '' as a shield to ignore their contractual obligation to return my property within a reasonable timeframe. 
I have been subjected to a " circular '' support loop where every attempt to get a straight answer is met with an automated script. This lack of transparency prevents me from knowing the status of my livelihood and intentionally delays the resolution process. 
I have no problem with them closing my account, thats fine, just give me my paycheck and I will halt all use of their services effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I have cell transactions noted on my bank statements at Chase Bank that say there to me, but of course theyre leaving my account and they say that XXXX XXXX XXXX XXXX XXXX XXXX not another bank. I also found XXXX checks from early XXXX from my mother XXXX lady XXXX XXXX and XXXX labeled loan. I didnt get money any money from them those months. No loans no help with the bill. Had plenty of money still had money in savings at that point. If they give me anything, it wouldve been a gift. I also have caught XXXX keeping my old numbers in my account, which wouldve aid a XXXX transfer out to make it look like it was me. Ive caught that twice different numbers because I keep getting hacked and I cant figure out what to do about it so I would be thinking changing my number might help. In XXXX. I also saw an email I listed on my account with my dads name on it. It was an XXXX email. He said he didnt have an XXXX account but that he used to. I dont know now. I also saw that in XXXX XX/XX/XXXX XXXX was listed there for account verifying. I didnt link them to my account till mid XXXX. There was money movement also before I linked them. I am concerned that I have another account there. Apparently I do or did. I know this loan and bill money was not available for me to use. I sold somebody named XXXX and XXXX the only XXXX I would sell and I I dont have another Chase account unless they kept my old account open. Either way I didnt get that money.. The loan and bill checks are also in the same months that they were listing. They had my deposit of Social Security, but I know they were going to XXXX XXXX. I can see how they would get my signature on the back because theyve got remote online deposits from me before. I am thinking, possibly they never closed my old one like they were supposed to. Old account ends in XXXX. It was closed in XXXX.

Company response to consumer: Closed with explanation