vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Issue : Improper adverse action, failure to provide required disclosures, and unexplained internal relationship block affecting access to financial services. Description of the problem : I am filing this complaint because Citibank has repeatedly denied my attempts to open or maintain any type of account, without providing the legally required Adverse Action Notice under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). For months, Citibank representatives stated that they had no information about me and could not identify any reason for denying my applications. My credit score is above XXXX, and my XXXX and XXXX reports contain no negative information. To obtain a clear explanation, I submitted a new application for a Citi AAdvantage XXXXXXXX XXXX XXXX I finally received a written denial letter dated XX/XX/XXXX, which states : We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you. This confirms that Citibank is using an internal relationship review to block me from opening any accounts. However : Citibank has not disclosed which business unit made this determination. Citibank has not provided the reason, date, or policy basis for this internal block. Citibank has not provided the required adverse action details. Citibank previously claimed they had no information about me, which contradicts the written denial. This internal block prevents me from accessing financial services without explanation or due process. I am requesting CFPB assistance to require Citibank to : 1. Identify the business unit that issued the internal relationship determination. 2. Provide the specific reason, code, or policy used to classify my profile. 3. Provide the date this determination was made. 4. Clarify whether this determination is permanent or subject to manual review. 5. Provide a complete and compliant Adverse Action Notice as required by FCRA and ECOA. I am not disputing a credit decision based on my credit report. I am disputing Citibanks failure to disclose the basis of an internal block that affects my ability to access financial services. Personal information : Name : XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Application ID : XXXX Address : XXXX, FL

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I paid my XXXX XXXX XXXX using the IRS payment processor provided online. I attempted the transaction once using my Wells Fargo credit card. That charge was reported as not being completed. I then attempted to use the other processor using my XXXX XXXXXXXX XXXX XXXX That transaction reflected completed. As of today, the IRS website reflects that one charge was paid ( via XXXX ) and the other charge is still in a pending status. The issue is that both charges are being assessed by the individual banks and are showing up on my credit card balances. I have spoken to and filed disputes with both companies, and made clear that I will drop one or the other dispute as soon as one company or the other assumes responsibility. Neither seems willing to. I have spoken with both payment processors they seem to indicate that the charge from XXXX was completed and the one going to Wells Fargo is the one thats pending. Wells Fargo has closed my dispute as being legitimate and is not responding to my continued concerns. The charge is roughly {$7900.00} and is putting my Wells Fargo credit card over the credit limit. I spoke with the IRS, agent XXXX ( agent number XXXX ) this XXXX. She confirmed that the payment for my taxes is received and processed. She also confirmed that there is a duplicate payment for the same amount still pending. No one seems willing to take ownership of this and the best answer I have been given as to resolution is the IRS saying that they think it will fall off in 7 to 8 weeks from XXXX XXXX. I would like to have the pending hold dropped so that it doesnt reflect in my balance and it doesnt affect my credit rating. Thank you.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was doing my homework and I have a bank account with Truist Bank. I realized that I had gotten a notification stating that somebody added a trusted device onto my account. Next thing I know I got another notification saying they deposited three fraudulent checks. I called the fraud department and reported it immediately. They froze my account. My check came in on Friday and Monday and they told me I could pick it up at the bank but when I went to go pick it up at the bank, they told me my account was still frozen then they told me they were gon na send me a check by the time I got the check. It was 15 days later, which was yesterday when I went to take it to the bank to have it cash they told me those checks had already been cashed and I didnt cash them. I took them straight from from the mailbox to the bank

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I placed an online grocery order with XXXX. The merchandise arrived spoiled/damaged. XXXX explicitly instructed me via email to dispute the charge because their system could not process the refund. I filed a dispute with Wells Fargo, but a representative falsely told me 'groceries aren't covered ' and denied the claim. Wells Fargo has reversed my provisional credit, leaving my account at- {$420.00} and causing immediate financial hardship. Wells Fargo is violating XXXX Reason Code 13.3 regulations by refusing to review my merchant email proof.

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 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the abrupt closure of my Citi Bank checking and savings accounts, and the serious impact this has had on my ability to access my own money. On XX/XX/year>, I opened the Citi Bank Mobile app as I normally doonly to discover that both my checking and savings accounts were blocked immediately, without any warning or explanation. I was shocked and alarmed. There was no notification, no notice of a problem, and no opportunity for me to address anything before my access to my own accounts was taken away. Because I was unable to access my funds, I contacted Citi through the online customer service chat inside the app. I was told that I would be able to remove the blocks and regain access to my accounts by contacting the fraud department and completing a verification process. I did exactly that. I called the fraud department and went through the verification process. Afterward, I was toldby two separate representativesthat my entire bank account was closed, not merely blocked. Neither representative could provide any reason for why my accounts were being closed. Instead, they told me that I would receive a letter explaining the reason later. Worse than that, both representatives told me I would not be permitted to retrieve my money in person at a branch. I was informed that I would need to wait for a check by mail containing the remaining balance, which they estimated would arrive in XXXX months. As a college student, this is devastating. I rely on these funds for my education and academic practices. Being cut off from my own money without clear explanationand being forced to wait months to receive ithas caused immense stress and financial hardship. I feel this action has severely had a negative impact on my mental health. The prolonged deprivation of access to my money has placed me in an extraordinarily precarious position and has caused significant anxiety, inconvenience, and financial strain. It is difficult to overstate how destabilizing it is to be suddenly cut off from ones own financial resources without warning, transparency, or recourse. Only about three days later, I finally received a letter in the mail, hoping to discover the reason for my account being closed. Unfortunately, Citi bank still has not provided a clear reason for closing my accounts. The letter did not offering clarity, it merely stated that Citi had made the decision that it would no longer maintain a banking relationship with me. Such vague and impersonal language is wholly inadequate given the seriousness of the consequences I am now facing.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
RADIUS GLOBAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding Citibank 's denial of my fraud claim for a {$2700.00} XXXX XXXX transaction on XX/XX/2026. On or about XX/XX/2026, a fraudulent balance transfer occurred on my Citibank credit card account. Citibank investigated that transaction and credited my account, confirming it was fraudulent. Following that fraud event, Citibank issued a replacement card. However, I never received the replacement card. On XX/XX/2026, a XXXX XXXX transaction for {$2700.00} was attempted on my account and was initially declined. Shortly afterward, I received a phone call from a person claiming to be from Citibank. The caller knew my personal information, including my name and address, and asked whether I had made the purchase. The caller requested my security word and a verification code sent by text message. Believing I was speaking with Citibank 's fraud department, I provided the requested information. After the call, I did not receive any email confirmation or account update. Because I was concerned, I called the telephone number on the back of my Citibank card and informed Citibank about the earlier call. I was transferred to another department and again reported that I did not authorize the XXXX XXXX transaction. I contacted Citibank directly within approximately XXXX to XXXX minutes of becoming aware of the transaction. Citibank initially issued a provisional credit during its investigation. However, Citibank later reversed the provisional credit and denied my fraud claim. In a letter dated XX/XX/2026, Citibank stated that I " accepted responsibility for the disputed charge ( s ) when you provided your account number for the transaction ( s ). '' Citibank has not explained when I allegedly provided my account number, to whom it was provided, what evidence supports this conclusion, or how this establishes that I authorized the purchase. I did not authorize the {$2700.00} XXXX XXXX transaction. I request that Citibank provide the evidence supporting its decision, including any records showing how the transaction was authenticated, whether the replacement card that I never received was involved, and how any verification code was used. I also request that Citibank reconsider the fraud claim in light of the confirmed fraudulent activity on my account on XX/XX/2026, the replacement card that I never received, and my prompt reporting of the XX/XX/2026 transaction.

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 2026-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I am enrolled in XXXX XXXX XXXX automatic payment system. My account successfully drafted my funds on time. However, Hyundai internally misallocated my monthly lease payments to cover an annual municipal vehicle excise tax without my explicit authorization or explicit notification that my base lease payment was falling short. This systemic allocation error triggered a 37-day delinquency. I have now paid the balance out-of-pocket to zero to mitigate damage. Because the on-time automatic draft was hijacked by Hyundais internal billing logic, I demand that Hyundai immediately delete the 30-day late flag from all credit bureaus and refund any associated late fees.

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 2026-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was transferring a Youth Spending account to my son as the account holder was turning XXXX. I found out that the account was actually closed when my granddaughter received the account amount in a check for {$50.00}. I called USAA approximately 15 times trying to get this resolved to include writing a letter to the CEO on XX/XX/XXXX. I was always told during the calls that it was not my fault the system closed the account even though this should have never happened. I was called by XXXX from the executive office on XX/XX/XXXX and from the conversation thought the matter resolved. It was not. I called him back on XX/XX/XXXX and again thought it resolved. It was not. I then called again a few times to various representatives to no avail. Today, XX/XX/XXXX I called again and after speaking with 3 different people, was told that grandparents can no longer open accounts for their grandchildren. After more than 50 days of calling and writing all of a sudden, I am told this. Why did no one I talked to previously tell me this to include XXXX? I specifically asked what XXXX wrote and was told that his note told me I could not open an account. I include this knowing I am making a strong accusation, but XXXX lied on that note, plain and simple and he never returns my phone calls from all the messages I have been leaving. The truth of the matter is that I am not trying to open an account for my granddaughter, I want the account she had and was closed without my consent or authorization reinstated.

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 2026-06-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Johnstown Credit Bureau, Inc.
State: MS

Complaint narrative:
Johnstown, Fradulent activity as a Business, Johnstown is NOT A CREDIT BUREAU as FRAUDULENT Reporting, Johnstown Credit Bureau afer filing a revious FTC Fraud report, New discoverires of FRAUD. Johnstown were NOT giving information from the creditor to collect any money from me, this is a Fraud company, Johnstown, are in violations of Federal and State laws, a cease and desist of Fraud has been issued. Johnstown illegal, various, unethical business states they are RESELLERS for the XXXX Credit Bureaus, XXXX XXXX XXXX, I have called these XXXX agencies and reported Johnstown XXXX XXXX, Has my information Illegally, I did not open nor aurhorize this fraudlent company to enter into my credit file. I have never applied for any loans from this fruadulent company. the credit Bureau are in Violations of the FCRA, if this information has not been removed from my credit file. Johnstown fraudulent : Violations FDCPA 15 US Code 1692 C Johsnson Fraudulent Violations : Proclaims to be RESELLERS of XXXX XXXX XXXX as doing business with them to name themselves as a CREDIT BURAEU Johnstown : Fruadulent claims member of BBB with A rating, Fraud if you go to there website it will have XXXX but it is Johnstown website with fraudulent XXXX name. Johnstown, CAN NOT VALIDATE this Fradulent Account, due to the fact it is fradulent, as I have Filed the FTC report with the updates on this fruadulent Account and Company under FALSE PRETENSE. Violations of the FCRA ; if this Fradulent Credit Bureau Johnstown is NOT removed from my Credit file. See Johnstown WEBSITE ' Its fraudlent they clearly say they are RESELLERS of the XXXX Credit Bureau, and the others. FRAUD FCRA ; If XXXX, XXXX, XXXX do NOT remove this fraudulent company Johnstown from my Credit file I am prepared to file a Legal Comlaint for there involvement with this company saying they are RESELLERS for them. FCRA Violations : Fraudulent Account, Fradulent Credit Bureau Johnstown, Privacy Act Violations. See updated FTC Report on this Fraudulent account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I disputed a {$250.00} charge that I reported fraudulent on XX/XX/year> that had subsequently appeared on my Barclays credit card statement. I contacted Barclays to inquire why I was be charged for a transaction that I did not make or receive any benefit from. I was told that the fraud department ruled in the merchant favor and would not give any reasons on how the decision was made and could not transfer me to fraud to ask any questions but told me that they would submit appeal which I did two additional times. I faxed Barclays a letter outlining the history and asked that they provide information used to rule against my claim. I wanted information to whom the gift card was sent ; where it was sent and where it used. I was never contacted or acknowledged the receipt of theb fax. I paid the bill to avoid late charge and unfavorable credit reporting. There were 2 fraudulent charges on XX/XX/year>, one was ruled in my favor and the other was not

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 2026-06-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a lease agreement for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX XXXX, Florida. My signed lease agreement clearly states that my monthly payment is {$360.00} per month. After taking possession of the vehicle, I began receiving billing statements for {$420.00} per month, which is {$67.00} higher than the amount stated in my signed lease agreement. I contacted Kia Finance to report the discrepancy. I was informed that there had been a mistake and that the issue would be corrected within approximately one month. Based on those representations, I paid the higher amount of {$420.00} in good faith while waiting for the correction to be processed. However, I subsequently received another billing statement reflecting a monthly payment of {$420.00}. When I contacted Kia Finance again, I was told that it could take an additional two months to resolve the issue. I have not signed any amendment, modification, or other agreement changing the monthly payment amount from {$360.00} to {$420.00}. I am requesting that Kia Finance honor the terms of my signed lease agreement, immediately correct my account to reflect the contractual monthly payment of {$360.00}, refund or credit any amounts that I have overpaid, and ensure that my credit report and account standing are not negatively affected as a result of this dispute. I have documentation supporting my complaint, including a copy of the signed lease agreement showing the monthly payment amount of {$360.00} and records of the billing statements reflecting the higher amount.

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