vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I sold RSUs through E * TRADE across early XXXX, late XXXX, and early XX/XX/XXXX. The proceeds were deposited into my account at Citibank in XX/XX/XXXX. In late XX/XX/XXXX, Citibank flagged the funds as potentially fraudulent and restricted my account. In early XX/XX/XXXX ( approximately XX/XX/XXXX ), I submitted identity verification and complied with all initial requests. Citibank initially informed me that I would receive a check for my account balance. However, I only received a check for approximately {$560.00}, which was significantly less than the full amount of funds in the account. Over the following weeks, I attempted to resolve the issue and was told not to visit a branch. I later went in person and was directed toward Citibanks Executive Response Unit. In XX/XX/XXXX, I was informed that an ACH recall request was required. I worked with ETRADE to initiate multiple ACH recall requests after Citibank stated they had not received them. In XXXX, ETRADE confirmed that Citibank had in fact received and explicitly denied the recall request. In early to XXXX XXXX, Citibanks Executive Response Unit informed me that a personal indemnity letter from a C-suite executive was required. I obtained and submitted this letter on XX/XX/XXXX. Approximately XXXX week later, Citibank denied the indemnity submission. After that, both I and E * TRADE were told that Citibank had not received the indemnity letter, despite it having already been submitted. As of XX/XX/XXXX, Citibank continues to withhold my funds and has indicated I must wait further for a response, after multiple months of compliance with all requested steps. Throughout this process, Citibank has repeatedly changed the requirements for resolution ( verification waiting ACH recall indemnity letter ), and after I complied with each step, they either denied the request or claimed not to have received required documentation. I am requesting the immediate release or return of my funds, or a written explanation identifying the specific legal and factual basis for continued withholding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On or about XX/XX/year>, I deposited XXXX checks into my account with Navy Federal Credit Union, XXXX for {$440.00} and XXXX for {$500.00}. After these deposits, my available balance showed {$660.00}. The {$500.00} check was later returned due to a stop payment. At the time, only a portion of the funds had been made available to me. After I became aware that the check was returned, I deposited {$300.00} into my account to cover the funds that had been made available. Despite this, my account was reported as overdrawn by {$140.00}. However, when I reviewed and calculated my transactions during that same time period, my balance came out to approximately {$100.00} ( and previously {$88.00} based on another calculation ). These amounts do not match the negative balance being reported. Additionally, I do not have overdraft protection on my account, which means transactions should not be approved beyond my available balance. I do not understand how my account was allowed to become overdrawn under these conditions. I contacted the company multiple times and requested a detailed, itemized breakdown showing how the {$140.00} balance was calculated, including all deposits, reversals, and any fees. The company has not provided a clear or sufficient explanation. I am requesting a full investigation, a detailed transaction breakdown, and correction of my account if any errors are found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To the Wells Fargo Team, I am writing to formally express my deep frustration regarding a recurring monthly service fee on my account. This complaint is not merely about the dollar amount, but about a fundamental breakdown in communication and a direct contradiction of the values Wells Fargo claims to uphold specifically, the commitment to " do whats right '' and maintain transparency with your customers. The timeline of my experience is as follows : Initial Dispute : I contacted Wells Fargo to discuss a monthly service fee, noting that I was never properly notified in which I signed or agreed to any of the changes to the account requirements or the impending charge. During this call, I was given specific instructions on the conditions needed to waive the fee moving forward. Compliance with Instructions : Following that discussion, I took immediate action to meet the stated conditions. I operated in good faith, under the impression that following the representative 's guidance would resolve the issue. Recurring Charge : Despite meeting those conditions and the prior discussion regarding the lack of notification, I was charged a service fee again the following month. It is disheartening to see a disconnect between your advertised corporate values and the actual experience of a long-term customer. Charging a fee after a customer has proactively reached out to resolve a notification errorand after they have met your specific requirementsis not " putting customers first. '' It feels like a predatory tactic designed to prioritize fee revenue over clear communication and fair treatment. I had hoped to maintain a mutually beneficial relationship with your bank, but I can not justify patronizing an institution that fails to honor its own commitments. I look forward to your immediate confirmation that the refunds have been processed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) for persistent and inaccurate reporting within my member account that restricts my access to banking services and misrepresents my legal status. XXXX. Chronology of Error : I opened my account with Navy Federal on XX/XX/year>, which is after the date I filed for Chapter XXXX Bankruptcy. At no point prior to or during my bankruptcy filing did I have an established relationship with NFCU, nor did I ever cause NFCU a financial loss. My bankruptcy was successfully discharged on XX/XX/year>. XXXX. The Specific Issue : Despite being a new member who never owed a debt to this institution, NFCU has placed a restrictive " Bankruptcy Flag '' and an informational banner on my account stating : " The account information displayed below is for informational purposes only, not an offense to collect debt. '' XXXX. Failure to Resolve : I have contacted NFCU via secure messaging multiple times ( Reference dates : XX/XX/XXXX and XX/XX/year> ) and provided my official Bankruptcy Discharge Papers. NFCUs response was that this banner is for " compliance '' and " can not be removed. '' XXXX. Impact and Violation : Because NFCU has incorrectly categorized my new, post-petition account as a bankruptcy-affected account, my account features are limited. This is a factual error. There is no " debt '' to collect ; therefore, displaying a disclaimer regarding the Fair Debt Collection Practices Act ( FDCPA ) or the Bankruptcy Stay on a post-discharge account with XXXX prior liability is a misrepresentation of my creditworthiness and a failure to maintain accurate records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
RESURGENT/LVNV FUNDING # XXXX I am formally requesting verification of the collection account reported on my credit report. Under the Fair Credit Reporting Act, you are required to report only information that is complete and verifiable. I am requesting that you provide full documentation supporting this account, including : -Original signed contract -Complete payment history -Proof of lawful collection -Copies of all notices sent to me including right to cure and sale notice -Detailed balance calculation If you are unable to provide this documentation, then under the FCRA, this account must be removed from my credit report immediately. Additionally, if any portion of this account is inaccurate, incomplete, or unverifiable, I demand its deletion. Please investigate this matter and respond within the tie required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I have proof that my eviction was due to retaliation. I was never late on my rent and I moved out when I was supposed to. I have photos of the unit in my email prior to me moving out, and I also have proof of retaliation. I was not notified of any lawsuit id appreciate it if you consider this matter solved if not, I will contact my lawyers. Thank you and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/XXXX, I contacted Huntington National Bank to file a formal Regulation E dispute for 19 unauthorized recurring charges from a merchant called XXXX, totaling {$980.00}, spanning XX/XX/XXXX through XX/XX/XXXX. There was also a XXXX charge of {$49.00} in XX/XX/XXXX. These charges were for a cleaning service subscription that never provided any service - not once. No cleaner was ever dispatched, no appointment was ever scheduled. I attempted to contact XXXX dozens of times over two years to cancel and it is impossible to reach a human being at this company. The Huntington representative, XXXX, confirmed on the phone that all charges would receive provisional credit within XXXX business days. Two case numbers were opened : XXXX for XXXX charges and XXXX for the XX/XX/XXXX charge. Despite this assurance, Huntington withheld provisional credit on approximately 5 of the charges, citing a 60-day reporting window. Huntington then denied approximately half of the remaining disputes and clawed back provisional credits it had already issued to my account. This outcome is wrong for several reasons. First, the representative explicitly told me on the phone that all charges would be credited. Huntington made a promise and did not honor it. Second, the 60-day window under Regulation E should not apply to recurring unauthorized charges from a merchant that made cancellation impossible through any available channel. I formally revoked XXXX 's authorization and requested a stop payment during the same call. Third, this merchant has an F rating from the BBB with over XXXX consumer complaints, has faced enforcement action from the Pennsylvania Attorney General, has an active FTC complaint filed by XXXX citing XXXX consumer complaints, and is the subject of multiple class action lawsuits. The evidence of fraud is overwhelming. I have filed complaints against XXXX with both the FTC ( report XXXX ) and the Ohio Attorney General ( case XXXX ). I am now filing this complaint because Huntington failed to properly investigate my dispute, broke its verbal commitment to credit all charges, and left me without recourse against a well-documented fraudulent merchant. I am requesting that Huntington reopen the investigation and credit the full disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD

Complaint narrative:
I registered for classes at XXXX XXXX XXXX for the Fall and Spring semesters of XXXX and XXXX. There was an issue which prevented my student loans from being applied to my account for those semesters. I reached out to someone from the school about this and they assured me that the loans would appear on my account within the first few weeks of class. The first week went by and the loans were not applied to my account. I decided to drop the classes within the appropriate time window so that I would not be charged for the classes. My schedule was clear and showed no classes. There is a note on my student account that says that I am no longer enrolled in the classes as verification. For some reason I was still charged for the classes and I received failing or missing grades for the classes. The charges were then sent to collections because the school did not inform me of the chargers and try to resolve the issue immediately. Now they have a hold on my account and are telling me that I owe the full amount for the classes that I was not enrolled in.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I got a letter from a collection agency for my XXXX XXXX XXXXXXXX XXXX bill. Tried calling the collection agency and the number never gets through. Talk to XXXX and there is no company in that name thats part of their collection agencies and I have no dollars due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: NJ

Complaint narrative:
I discovered multiple XXXX student loan accounts on my credit report that I did not open or authorize. I have never applied for or received any student loans through XXXX. I filed an FTC Identity Theft Report and submitted disputes with the credit bureaus, requesting verification and removal of these accounts. I also requested documentation from XXXX proving the accounts belong to me, but I have not received valid verification. These accounts are fraudulent and the result of identity theft. I am requesting immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MD

Complaint narrative:
Please waive {$350.00} down payment. And send me proof of how it went from XXXX to XXXX $ i dont agree with this increase. Yall getting over

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am filing this complaint against Radius Global Solutions for violations of the FDCPA and Regulation F. On XX/XX/XXXX, I spoke with a representative named XXXX XXXX ( Employee XXXX XXXX XXXX XXXX XXXX ) regarding an XXXX XXXX XXXX account totaling {$1700.00}. It sounds like hes from a different country an a call center! The representative stated the company is operating on 'limited information ' and could not explain the breakdown of the additional {$280.00} in charges beyond a supposed equipment fee. Furthermore, the company admitted they never sent a validation notice via XXXX XXXX claiming they sent it to a XXXX account without my prior E-SIGN consent! They just put it on my credit report without ANY Legal notice! During the call, the representative XXXX XXXX XXXX admitted that Radius Global Solutions does not have the payment history for this account and could not see when the last payment was made. He stated the account was delinquent as of XX/XX/XXXX but could not provide a breakdown of the charges making up the total balance. Despite this admitted lack of documentation, the company has reported this unverified debt to Experian, causing my XXXX XXXX to drop XXXX points. Furthermore, the agent attempted to shift the burden of proof onto me by telling me to contact the original creditor for the very records they are legally required to provide upon dispute When I verbally disputed the amount and requested an itemized statement, the agent refused to provide it, stating I 'would need to send in a written request '. This is a move to obstruct my rights under 15 U.S.C. 1692g. I demand that Radius Global Solutions immediately delete this trade line from my Experian report as they have admitted they lack the documentation to verify the specific charges and failed to properly serve me with a validation notice before reporting. '' I have a call recording of this matter if requested and I will be providing to my legal team if necessary!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am filing this complaint because Select Portfolio Servicing is failing to comply with Regulation X ( 12 CFR 1024.41 ). Despite my active, timely, and good-faith participation in the loss mitigation process, SPS is engaging in a cycle of " document loop '' tactics, providing contradictory instructions, and failing to provide a single point of contact who can finalize my application. Detailed Narrative of Events For the past four months, I have been attempting to finalize my Loss Mitigation applications for XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX. My case has been stalled by the following : HOA/Rental Clarifications : I have provided verbal and written clarification for HOA fees and rental income deposits at least four separate times. Each time, agents ( e.g., XXXX, XXXX XXXX confirm the data is submitted and acceptable, only for a subsequent agent ( e.g., XXXX ) to claim the information is missing or " unacceptable '' weeks later. Procedural Stalling : I have corrected P & L statements and bank statements per specific agent feedback, only to be told by the next agent that those same documents are now " out of date '' due to the passage of timetime caused entirely by SPSs slow review cycles. Failure to Comply with Regulation X : SPS is failing to act in good faith by continually reversing prior approvals of my documentation. I am being subjected to " dual tracking '' while SPS ignores the fact that my file has been complete for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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