vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been shut out of my checking account. I have no access to my funds, my online information, or debit card. I received an email from Citibank stating that my account was under reviewing to call them. I just called and I gave them all the information that I have including the transactions, Direct deposits I received, and the last time that I logged in in the amount that was left in the bank account. They still failed to give me access to my account. They also failed to close the account when I asked Just to mail me a certified check with my remaining funds. I need this issue to be resolved, especially because there is a monthly fee. I was last able to access the account on XX/XX/XXXX where I saw that there is {$320.00} in the account. {$320.00} of it was a bonus for opening the accountant fulfilling their requirements. I am owed the {$320.00} and I would like access to that or my account closed with a certified check.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my Chime account, which was closed without my authorization and without the return of my funds. After my account was closed, I contacted XXXX XXXX regarding a transaction that was supposed to be credited back to me. XXXX XXXX informed me that the funds were returned to Chime. However, despite multiple attempts to resolve this matter, Chime has refused to release my money or provide a clear explanation regarding the status of my funds. I am requesting an immediate investigation into my account and the return of all funds that were sent back to Chime. As a customer, I believe I am entitled to receive my money and a detailed explanation of why my account was closed and why my funds are being withheld. I have made several attempts to resolve this issue directly with Chime, but I have not received a satisfactory resolution. Therefore, I am seeking assistance to recover my funds and ensure that my rights as a consumer are protected. Please investigate this matter and provide a prompt response regarding the status of my funds. Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I XXXX of XXXX I financed a vehicle with Westlake Financial. I was informed at signing that I would be able to adjust my payment date to better fit my pay schedule and budget. I have no dispute with the payment amount or even the outrageous interest rate applied to the loan. I have reached out to the company numerous times to change the due date to avoid being late on my payments. My first attempt was before my first payment. I was told after my first payment was posted I would be able to change the date. Since then, I have tried to contact them numerous times to change the due date but Im met unfortunately we can not do that every time. Yet they tack on late fees and interest with every payment. You can not speak with a living human being. Every time I call, email, or text I get XXXX, their AI assistant. Trying to get XXXX to transfer you to a human is absolutely impossible. My credit was garbage when I signed the loan, but I didn't finance a vehicle to further destroy my credit. My goal is to pay my payments in full and on time, but I simply can not with other bills due at the same time as the car note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: NY

Complaint narrative:
XXXX DBA Koalafi is reporting account ending in XXXX as a charge-off and/or with late payments. I disputed the accuracy of this information and requested documentation to verify the reporting, including billing statements, proof of delivery, and records supporting the charge-off status. The information appears inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TX

Complaint narrative:
I noticed on my credit card that I was being charged twice each month for interest. I called and was advised that my interest rate increased in XX/XX/year> so for each month since then, I was being charged past charges at 25 % interest and any charge since XX/XX/year> at 27 % interest. I asked why and was advised that they could not access that information. I asked if they could lower it back to the original APR when I opened the account and I was told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for an American Express Blue XXXX everday credit card. I applied online and I put in my personal information, social security number and all I received was " You are Approved '' nothing else. I then called the company about five times trying to reach someone in the US. Finally today I reached an American with American Express, she demanded that I prove who I was so I did the verification. Then she completely ignored what I requested and then stated it was being sent in the mail. I told her that I wanted the credit limit and the disclosure statement and she just ignored me. I will not be using the card, it will be chopped up and sent back. The consumer has a legal right to this information since this is a contract, and the law requires the Credit Card Company to give a disclosure statement by law. The only thing I have received was an email stating that I agreed to paperless billing. I did not agree to that. I have no access to the account because I do not have the account number which they refused to give to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Walwick, Inc
State: WA

Complaint narrative:
XXXX ( XXXX XXXX ) Phone number XXXX. Has been calling my phone number. Each time it has been for other people. I have told them to take me off of their list and I am still in their system. This time they called me for a " XXXX XXXX ''. I am getting irritated. I block them. My voicemail states you have reached XXXX and to leave a message. They ignore the name. They called today XX/XX/XXXX at XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is excessive. I do not owe them money. Not only that but they also somehow got hold of my dad 's phone number which is highly inappropriate. They need to stop calling.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made XXXX online payments : XX/XX/XXXX for $ {$330.00} with Macys Online website and received a confirmation code. XX/XX/XXXX for {$310.00} with Macys Online website and received a confirmation code. Another payment on XXXX XXXX for {$300.00} with Macys Online website and received a confirmation code. After checking my credit history I noticed that Macy 's had closed my account due to delinquency having to return the payment. The Macy 's rep. stated that a letter was mailed to my address the same day they closed my account, but it is XX/XX/XXXX and I have not received any information on the closing. I have been a Macy 's customer since XXXX and have been a loyal customer and have made payments XXXX every month- faithfully- and have worked very hard at my credit score. After, speaking with Macy 's rep and explaining all of this and that I had XXXX debit cards on the store website from which I was making the payments that I was also receiving a confirmation code and not a single call or letter to inform me of the declined payment. I was not given a XXXX day grace since the due date on my payment is every XXXX of each month and I'm honestly shocked on the impulsive decision to close my account and ruin my credit. The Macy 's rep informed me she was not able to reopen my account and encouraged me to reapply for a new credit card with Macy 's. I am dumbfounded!!

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sezzle Inc.
State: OR

Complaint narrative:
On XX/XX/year>, Sezzle initiated 3 automatic withdrawals of {$160.00} each from my XXXX XXXX checking account. This charge was applied to an old, defaulted " Buy Now, Pay Later '' ( BNPL ) balance that was held internally by Sezzle. I received no advance notice from Sezzle that they intended to suddenly sweep my checking account for a balance that had been inactive for months. Regulatory Concerns : 1. Intentional Restriction of Revocation Rights ( Regulation E ) : Prior to this charge, I attempted to exercise my right to revoke authorization and remove my payment method to properly manage my finances. However, Sezzle 's app software intentionally blocked me from deleting my debit card because the account was past due. By digitally locking my payment method and removing my ability to manage my own checking account draft settings, Sezzle trapped me in a compulsory auto-draft cycle. This directly violates the compulsory use prohibition under Regulation E of the Electronic Fund Transfer Act. 2. Abusive Acts and Practices ( UDAAP ) : Sezzles system automatically drained my checking account without warning. Hiding continuous auto-draft authorization deep within their terms of service, restricting the in-app ability to delete the card, and running the card without explicit point-in-time authorization for an old, defaulted debt constitutes an abusive practice designed to bypass fair debt negotiation and consumer choice. 3. Immediate Financial Harm : Because Sezzle operates as a digital credit account, they are subject to strict consumer protection standards. Sezzles unnotified debit bypassed my ability to prioritize basic living expenses, immediately stripping me of the funds required to pay my rent on the 1st of the month and placing me at imminent risk of eviction. Attempted Resolution : I contacted Sezzle Shopper Support via phone on Monday, XX/XX/XXXX to explain the severe and immediate housing hardship this unnotified charge caused. I requested an emergency courtesy reversal of the funds and offered to establish a formal, scheduled payment plan in exchange. The Sezzle representative explicitly refused to transfer me to a supervisor or collections manager to address this emergency, and instead forced me into a low-priority support ticket queue, demonstrating a complete disregard for consumer stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my fourth ( 4th ) formal notice regarding your ongoing failure to comply with federal credit reporting mandates. We have concluded the statutory reinvestigation period. Under the Fair Credit Reporting Act ( FCRA ), the creditors/furnishers have been afforded ample opportunity to provide competent evidence to verify the accounts in question. Their failure to do so by this stage constitutes a final failure of verification. I. NOTICE OF STATUTORY DEFAULT AND MANDATORY DELETION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), your agency was provided the statutory period to complete a reasonable reinvestigation. As three consecutive dispute cycles have concluded without the production of competent evidentiary matter or a Method of Verification ( MOV ) as mandated by 15 U.S.C. 1681i ( a ) ( 7 ), the investigation has reached a terminal state of non-verification. The law now dictates the following mandatory actions : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Since the disputed information ' can not be verified ' after a reasonable reinvestigation, your agency 'shall ' promptly delete that item from the file of the consumer or modify that item. The use of the word 'shall ' removes all administrative discretion ; deletion is a compulsory requirement. 15 U.S.C. 1681s-2 ( b ) : The furnishers/creditors have exhausted their statutory timeframe to verify. Their failure to substantiate the data upon notice of dispute requires your agency to suppress and remove the unverified tradelines immediately to maintain the 'maximum possible accuracy ' standards required under 15 U.S.C . 1681e ( b ). '' II. WILLFUL AND NEGLIGENT NON-COMPLIANCE Continuing to report unverified or inaccurate data after 30+ days of formal dispute constitutes : 15 U.S.C . 1681n : Willful non-compliance, exposing your agency to actual and punitive damages. 15 U.S.C. 1681o : Negligent non-compliance by failing to uphold the " Maximum Possible Accuracy '' standard of 15 U.S.C. 1681e ( b ). III. FINAL DEMAND FOR DELETION OR CORRECTION I demand the immediate and permanent deletion of the following unauthorized and unverified items :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I initiated an electronic funds transfer of {$30000.00} from my Bank of America checking account to my XXXX personal checking account ( a verified account on file ). The transfer was declined without explanation, and my Bank of America account, including online access to my credit cards, was subsequently locked. I was told to go to branch to take care of my account being erroneously locked. This is unacceptable. I was transferring funds to my own verified account, a routine financial transaction. The result was a declined transfer and complete loss of access to my accounts, causing significant disruption and inconvenience. I am requesting immediate restoration of my account access, a clear written explanation for the declined transfer and lockout, and confirmation that this matter has been escalated for review. 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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased my vehicle on XX/XX/XXXX. After the vehicle was repossessed, I paid approximately {$17000.00} to Santander XXXX XXXX in full to recover it. At the time I recovered the vehicle, I was informed by Santander representatives that no additional action was required on my part regarding ownership or title matters and that I could continue using the vehicle normally. Several months later, I learned during a traffic stop that the vehicle was not properly registered. This came as a complete surprise because I had relied on Santander 's instructions and believed all title and ownership issues had been resolved after I paid the account in full. Since then, I have spent months attempting to obtain clear information and resolve the title issue. I have contacted Santander more than 35 times and have received conflicting information from different representatives. At various times, I was told that a third party possessed the title, that Santander possessed the title, and that different documents were required to complete the transfer process. Following Santander 's instructions, I completed a notarized power of attorney, paid additional fees, and requested expedited processing. Santander then mailed me a Release of Lien dated XX/XX/XXXX, indicating that the lien had been satisfied and released. After receiving this document, I went to the XXXX DMV to register the vehicle. Despite Santander 's assurances and the Release of Lien, the DMV informed me that Santander still appears as the lienholder on the title record and that I could not complete registration of the vehicle. As of the date of this complaint, I still do not have a clear title and remain unable to properly register the vehicle. I have incurred additional expenses, lost significant time attempting to resolve this matter, and have experienced ongoing financial hardship as a result of being unable to use the vehicle normally for work and daily activities. I previously submitted a CFPB complaint regarding this issue. That complaint was closed with a notation stating that the company responded. However, the underlying problem remains unresolved, and the vehicle still can not be registered because Santander continues to appear on the title record despite issuing a Release of Lien and instructing me to complete additional paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NY

Complaint narrative:
Around a little over 2 years ago I was kicked off my Cash app account with no explanation why I called several times over the years to find out and cash app has transferred me over several times during the phone calls and has connected me with agents who cant speak clear enough XXXX for me to understand, Ive never got a letter in the mail or even a email explaining what happened, The only thing Ive heard was i went against guidelines but never explained what, Ive desperately tried to see if I owed them money they always said no, So what Could it be Im so Confused

Company response to consumer: Closed with explanation