vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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: 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:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My Citi checking account was opened in XXXX and closed by Citi in XXXX without prior notice after a {$2000.00} outgoing transfer. 
As of today, more than XXXX month has passed since the account closure, and Citi has not returned my remaining balance of {$2700.00}. 
I have contacted Citi customer service, but I have not received the funds nor a clear timeline for receiving my money. 
I am requesting that Citi promptly return my remaining funds via check or other appropriate means. This prolonged delay is causing financial hardship.

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 — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
Bank Fraud ( 18 U.S.C. 1344 ) This statute criminalizes executing a " scheme or artifice to defraud a financial institution '' or to obtain money under the custody of a financial institution by false pretenses.

The Case : Investigations alleged Comerica systematically harvested illegal ATM fees from over XXXX XXXX cardholders who were legally entitled to free withdrawals. 

Intent : The CFPB alleged the bank " deliberately '' and " intentionally '' engaged in these practices to boost its bottom line at the expense of vulnerable beneficiaries.

2. Wire Fraud ( 18 U.S.C. 1343 ) Wire fraud involves using electronic communications to further a fraudulent scheme. 

The Case : Comerica allegedly used its automated systems to intentionally disconnect XXXX XXXX customer service calls. 

Significance : This was an electronic scheme to prevent cardholders from reporting fraud or exercising their legal rights to reimbursement, thereby allowing the bank to retain funds that should have been returned to beneficiaries.

3. Failure to Report Criminal Activity ( Misprision of Felony ) Under the XXXX XXXX XXXX XXXX XXXX, Comerica is required to notify the Treasurys Office of Inspector General ( OIG ) of any " possible violation of federal criminal laws ''. 
The Case : A XXXX Treasury OIG audit found that Comerica failed to alert the OIG of known federal criminal law violations, effectively obscuring the true extent of fraud schemes from federal oversight. 

Potential Charge : Knowingly concealing a felony and failing to report it to authorities can be prosecuted as misprision of felony ( 18 U.S.C. 4 ).

4. Conversion of Public Money ( 18 U.S.C. 641 ) This statute covers the theft, embezzlement, or " conversion '' of any thing of value of the United States. 
The Case : A XXXX class action lawsuit set forth Comerica illegally retained interest and investment earnings generated from federal benefit funds. 

The Argument : Since these funds are government-issued benefits for specific individuals, any unauthorized retention of the " float '' ( interest earned while holding the money ) could be viewed as a criminal conversion of government property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding the alleged debt referenced in your records.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the debt collector must stop contacting the consumer except to confirm cessation of communications or to notify of specific legal action.

You are hereby directed to stop all forms of communication with me, including but not limited to phone calls, voicemails, emails, text messages, and postal mail. Any further contact from your company that does not comply with the FDCPA will be documented and may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the California Attorney XXXX XXXX, and any other appropriate regulatory agencies. 
This request does not constitute an acknowledgment or acceptance of any debt, nor does it waive any rights or defenses available to me under federal or state law. 
Please confirm in writing that you have received this notice and that all communications have ceased, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information appearing on my TransUnion credit report in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) .The account is reporting incomplete and inaccurate information, including but not limited to : No verifiable payment amount Incomplete or missing payment history Failure to provide documentation verifying the charge-off amount Inconsistent reporting regarding account status and balance The creditor has not provided evidence that this account was reported with maximum possible accuracy as required by law.

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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Unauthorized transactions and account activity occurred on my Navy Federal account between approximately XX/XX/XXXX and XX/XX/year>, and for an extended period thereafter. This included non-card-present transactions and fraudulent checks written in my name over approximately XXXX XXXX, none of which I authorized or issued. 

During this time, Navy Federal was my primary bank. I was under severe duress and incarcerated for part of the period, without stable housing, living hotel to hotel in another state, and unable to reliably monitor my accounts. Account statements were being sent to my fathers address, where I was not residing and did not have consistent access.

When I later disputed this activity, Navy Federal denied the dispute based on a claim that I admitted authorizing the transactions, which is false. I never made such an admission. The company has not provided call recordings or documentation supporting this claim or explaining how the transactions and checks were approved without my consent. 

This complaint supplements and relates to CFPB Complaint ID XXXX which was closed after the company issued a response containing a false statement of fact.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I purchased items from XXXX, returned them, they told me theyd refund me. They refused, but stalled for months. I filed a dispute with CitiBank and they are refusing to help. It is more than {$600.00}.

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 card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I contacted the company and specifically requested removal of my savings account from my payment profile. I was told this issue was resolved. Despite that confirmation, the company continued to pull payments from the wrong account ( savings ), causing returned payments and fees. This is an error on their end after notice was given. After repeated errors pulling funds from the wrong account, I notified the company and paid the remaining balance in full from the correct checking account. Despite this, the company closed my account. This closure has caused further financial harm, including being denied the ability to open a XXXX XXXX account. The negative consequences occurred after payment and due to the companys own processing errors. 

I was also charged a returned payment fee on my XXXX gas card even though sufficient funds were available. The company later reprocessed the payment from the same account and it cleared in full. Charging a return fee under these circumstances reflects improper payment handling and has caused unnecessary financial harm. 


The company offers no option to pay by debit card and requires direct bank account withdrawals only. This lack of payment flexibility contributed directly to improper returned payment fees, even when sufficient funds were available, and ultimately led to account closure and denial of new 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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
have requested validation of debt the company never notified me of a debt before attaching it to my credit file I'm requesting that due to this violation this account and all remarks be removed for all three credit bureaus

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am filing a complaint regarding {$75.00} in overdraft fees charged by Huntington Bank on XX/XX/XXXX and XX/XX/XXXX. 

I intentionally took steps to prevent overdrafts on my account. I specifically opted out of overdraft coverage and configured my account so that transactions would be declined if sufficient funds were not available. My goal is to stop overdrafts entirely so I can regain financial stability. 

Huntington Bank states that changes to overdraft settings may take XXXX business days to update. I opted out of overdraft coverage a full week before these fees were charged. Even accounting for that stated processing period, XX/XX/XXXX and XX/XX/XXXX were well past the XXXX  day window Huntington Bank represents for these changes to take effect. 

Despite this, Huntington Bank still allowed transactions to go through that caused my account to overdraft and then charged me overdraft fees. I do not understand why the bank permitted these transactions when I had already opted out of overdraft coverage and allowed more than sufficient time for the changes to be implemented. This directly contradicts the purpose of those settings and undermines my ability to manage my finances responsibly. 

In XXXX alone, I paid hundreds of dollars in overdraft fees to Huntington Bank. These repeated fees are making it extremely difficult for me to get my finances back on track. I am actively trying to stabilize my account and avoid overdrafts, but the banks actions are working against me by allowing overdrafts anyway and penalizing me for them. 

I believe these charges are unfair and improper given that I took affirmative steps to prevent overdrafts. 

I am seeking relief because these fees were charged in contradiction to my stated preferences and have caused ongoing financial harm. I am trying in good faith to manage my account responsibly, and Huntington Banks practices are preventing me from doing so. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
CFPB Complaint Statement Cash App ( Block, Inc. ) Cash App converted my personal account into a Cash App Business account without clear notice or informed consent, even though my transactions included personal and family gifts that were not for goods or services and should not have been subject to business fees or withholding. 

For each affected tax year, the total amount of payments processed exceeded {$90000.00}. However, the 1099-K issued by Cash App reports {$65000.00}, which is the amount shown on the form but does not reflect the actual gross amount processed. 

Cash App charged business transaction fees on personal and family transfers, including gifted money from relatives, even though these funds were not business income and were not supposed to be withheld once the account was converted.

At one point, Cash App sent notices referencing possible backup withholding and requesting additional information. I did not immediately respond because the notice was confusing and did not apply to my situation. When I later did respond, Cash App continued sending automated emails suggesting withholding would occur unless action was taken, even though this was not applicable to me, as I do not operate a business and was not employed. 

Despite referencing possible withholding, Cash App ultimately issued 1099-K forms with Box 4 ( Federal income tax withheld ) left blank, while still reducing the amounts I actually received. If withholding truly applied, it should have been properly reported ; if not, funds should never have been reduced. 

This issue has occurred across multiple tax years ( XXXX separate years ). I first contacted Cash App about this problem XXXX  years ago, and despite repeated attempts, Cash App denied the issue and refused to cooperate or correct the reporting. This is now the second time within the last XXXX years that I have formally raised this issue, and it remains unresolved. 

Cash App has failed to provide a full accounting of fees, explain why personal and family gifts were treated as business income, or issue corrected 1099-K forms for any of the affected years. 

This inaccurate and repeated reporting places me at risk of paying taxes on money I did not earn and facing IRS penalties.

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 was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
I am disputing the collection of XXXX administrative fees being pursued by XXXX XXXX XXXX XXXX XXXX on behalf of Delaware  XXXX and New  Jersey XXXXXXXX 

The underlying toll amounts associated with these violations were paid or addressed. My dispute concerns the administrative fees that continued to be assessed. Prior to the accounts being placed in collections, I submitted disputes to XXXX in good faith. 

XXXX later asserted that additional documentation was required ; however, I did not receive any clear correspondence identifying what documentation was needed or how to submit it. Instead, I received repeated bills reflecting the same charges and fees. No meaningful administrative review or resolution of the dispute was provided before the accounts were sent to collections. 

After the accounts were placed in collections, I contacted both Delaware and New Jersey XXXX seeking review. Delaware XXXX acknowledged that an appeal existed but advised that the matter was now in collections. I was escalated to the violations/appeals department and allowed a reasonable amount of time for response, but no response or resolution was provided. New Jersey XXXX closed a service request citing inability to locate violations without identifiers that are no longer available post-collections, providing no alternative review path. 

As a result, the collection firm continues attempting to collect disputed administrative fees even though there is no available or meaningful administrative review process to resolve the dispute. I am requesting that the accounts be recalled from collections so proper administrative review can occur, or that the disputed administrative fees be waived.

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 — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.

Complaint narrative:
Subject : Urgent Action Required : Refund Outstanding for Cancelled Transfer To Remitly Customer Support Team / CFPB : I am writing to formally address a significant delay in receiving a refund for a cancelled money transfer made through the Remitly application. 
The details of the transaction are as follows : Original Transfer Date : XX/XX/year> Amount Transferred : XXXX XXXX  Kronor ( SEK ) Currency Conversion : From SEK to Thai Baht ( THB ) Transaction Status : The transfer was successfully cancelled I have been waiting for my refund for more than XXXX business days since the cancellation date. I have already contacted your customer service representatives previously and was advised to wait XXXX business days for processing. This timeframe has now passed, and there has been no progress or refund issued to my account. 
I kindly request your urgent attention to this matter. Please investigate the status of the refund immediately and ensure the full amount of XXXX SEK is returned to my original payment method as soon as possible. 
Thank you for your prompt action on this critical issue.

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: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
Subject : URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against XXXX XXXX XXXX XXXX for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor '' on my credit file ( see attached evidence ). This is a factually false statement. XXXX XXXX XXXX XXXX is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus. 

Violation XXXX : Predatory " Re-Aging '' of Debt ( 15 U.S.C. 1681c ) The furnisher has manipulated the " Date Opened '' field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " XXXX, '' designed to bypass the XXXX reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards. 

Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

Company response to consumer: Closed with explanation