vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Good morning, My name is XXXX XXXX XXXX, XXXX, XXXX. I write to lodge a complaint about USAA Bank. On XXXX, XXXX, I opened a savings and checking account at USAA. I funded the account with a combination of transfers from another institution and a direct deposit from my employment with the XXXX XXXX XXXX XXXX ( partial records demonstrating deposits attached ). In XXXX of XXXX, I was contacted by USAA and told they now choose not to bank with me, and my checking account is frozen. No explanation was provided at the time. I have contacted USAA customer service numerous times in the last 8 months and have received no explanation other than there was a fraud investigation, and they refused to connect me to the fraud department. My last call, XX/XX/XXXX, provided the same result and confirmed that a total of {$3400.00} is still frozen in my account. I did not commit any fraud related to this account and I am not aware of anyone else doing so. I understand that an account XXXX be flagged and a bank is required to investigate, but the length of time and lack of explanation are entirely unreasonable. I request you contact USAA and demand an immediate return of all of my deposited funds. Sincerely, 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 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: GA

Complaint narrative:
I was shown via XXXX XXXX that I could refinance my car through XXXX for a payment of {$540.00} monthly. I call XXXX and was told by a rep that i was approved for refinance based on my credit. The rep called me back and told me that the refinance would be a more expensive payment over {$800.00} than I am currently paying. I argued that I would never have agreed to those terms or let them hit my credit if I was not under the belief of a lower payment similar to the amount quoted on XXXX XXXX I asked that they reverse the credit pull because this is fraud and entrapment. I was offered something and the then switched the offer. I am planning to seek legal action against XXXX and XXXX XXXX. I believe I was catfished by both and I have taken a hit to my credit for no reason other than lies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Cash App ( Block , Inc. ) regarding the restriction of my account and denial of access to more than {$3000.00} of my personal funds. I initially contacted Cash App on XX/XX/22 to request an investigation into activity on my account. Shortly thereafter, my account was locked. I received an email stating that I would receive an update and regain access to my funds within XXXX hours. That timeframe has passed, and I have received no further communication. I contacted customer support by phone and was told only that I needed to continue waiting. Cash Apps investigation team has not contacted me in any way to verify my identity, confirm transactions, or request documentation. I have not been given any opportunity to assist in resolving the matter. Meanwhile, I am unable to access my money. Cash App has provided no clear explanation, no definitive timeline for resolution, and no meaningful update beyond telling me to wait. The continued restriction of my funds without communication or due process is causing financial hardship and appears unreasonable. I am requesting that Cash App : 1. Immediately restore access to my funds ; or 2. Provide a clear written explanation for the restriction and a definitive resolution timeline ; and 3. Allow me the opportunity to verify my identity or transactions so this matter can be resolved promptly. I am seeking the CFPBs assistance in obtaining a timely and fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
LMMINC is falsely reporting on my credit. I have never had any accounts with them. Per my research LMMINC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year>, I authorized a wire transfer from my account at South Carolina XXXX XXXX XXXX in the amount of {$16000.00} to a recipient that I later learned was involved in a fraud. The wire was sent using XXXX XXXX XXXX and account number ending in XXXX the amount of {$10000.00}. The next day, I discovered the transaction was fraudulent and immediately notified my bank. Based on the attached email, a recall request was made on XX/XX/year>. I was subsequently informed that the receiving bank will not verify whether the recipient name matches the account number or whether the account is valid, citing privacy policies. My concerns are as follows : 1. The wire was processed despite the recipient name not matching the account holder. 2. I reported the fraud the next day, yet I have not been provided confirmation that the funds were frozen or recovered. 3. I have received information from my bank that Wells Fargo has yet to respond to the recall efforts or the status of the funds. 4. I want confirmation from both bank followed proper fraud detection, account verification, and anti-money laundering procedures. I am requesting : A full investigation into the wire transfer Confirmation of whether the receiving account name matched the account number Documentation showing the recall request was sent and received Clarification of whether funds were frozen or withdrawn Recovery of any remaining funds This loss has caused significant financial harm, and I believe stronger fraud controls and communication should have been exercised given the next day report and name mismatch. I am requesting regulatory review and assistance in the recovering these funds. I have attached the following documents to this correspondence : A copy of the wire transfer Emails from bank In addition I give, XXXX XXXX, my daughter to discuss this matter with 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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Company : Citibank , N.A . Product : Credit Card Issue : Problem with a company 's investigation into an existing problem Complaint Narrative : I am a XXXX XXXX XXXX XXXX currently utilizing assistance funds to resolve outstanding debts. I have a formal settlement agreement with Citibank for an account with a total balance of {$7800.00}, agreed upon for {$4800.00}. Since XX/XX/XXXX, I have made consistent monthly payments of {$200.00}. On XX/XX/XXXX, I contacted Citibank to discuss my balance and reporting. Citibank informed me that my current balance is {$2200.00}, yet explicitly stated they would not update my credit report with this accurate, reduced balance until 60 days after my final payment. This is a direct violation of the FCRA requirement to report " complete and accurate '' information. Furthermore, Citibank refused to provide a payment ledger, claiming they " can not provide a ledger of payment history '' for this specific agreement. Most concerningly, I attempted to file a formal dispute regarding this inaccurate balance reporting, but the submission failed with the technical error : " Unable to process dispute : trade all balance history soft deleted. '' This indicates that Citibank has flagged my account in a way that bypasses standard dispute mechanisms and prevents me from verifying the accuracy of the debt or the application of my payments. This lack of transparency and the deliberate obstruction of the dispute process is an abusive practice.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
There have been numerous instances of the bank changing their rules or justifying their overdraft fees with different stories. On XX/XX/XXXX i overdrafted my account and total of XXXX. One transaction was XXXX cent while the other was XXXX dallars which totaled XXXX one transaction was covered the other was not which is why my account ended with negative XXXX. I was then charged a XXXX overdraft fee siting they were charging XXXX per transaction at which time i asked if i only overdrafted the XXXX would i have been charged the XXXX dollars overdraft fee i was told no because my account would have been negative less then XXXX dollars. I then clarified so i was charged XXXX dollars not because of my two transactions which made my account negative XXXX dollars, but because my account was over negate XXXX the rep then stated yes. 3 days later i was charged another odf of XXXX dallars because my account had been negative XXXX dollars since recieving the first fee. Totatling XXXX dollars in fees because my account was negative XXXX dollars. I called back the rep again stated that i was charged a XXXX dollar fee because of a posted transaction of XXXX dollars that in fact did not make my account negative but had posted to the account 6 days prior to the two transactions that made my account negative the XXXX. Once i asked the rep because this was my third time calling to clarify was i charged another fee because my account was actually overdrawn XXXX dollars due tje first XXXX dollar fee charged he stated yes. So they are not charging by fee in fact are simply charging what they want because the account is on overdraft in 5 days i incurred XXXX dollars in fees because my account was negative 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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an Amex Cardholder for over XXXX years and one of my credit cards was recently closed in XX/XX/XXXX due to inactivity without advance notice from Amex and my points on the card lost. I contacted Amex on XX/XX/XXXX hoping to either reopen the account and transfer the points to another card without an inquiry on my credit history, but the representative filed a complaint and asked me to call back within a week to check on the status. I am very disappointed by Amex 's decision to close my account after the long history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a Citibank credit card account. Shortly thereafter, I decided not to proceed with maintaining the account and began contacting Citibank to request immediate closure. Since that date, I have made multiple attempts to close the credit card account by phone. During these calls, I experienced extended hold times and was transferred between representatives. Despite clearly stating that I wanted the account closed immediately, Citibank has refused to process the closure. I have been told that the account can not be closed due to internal restrictions and/or security blocks. However, Citibank has not provided a clear explanation for why the account can not be closed at my request. As of the date of this complaint : The credit card account remains open despite my repeated requests for closure. Citibank has placed restrictions on the account while simultaneously refusing to close it. I have not received written confirmation of closure. I have not received written confirmation that no fees, interest, or adverse credit reporting will occur. I am filing this complaint because I believe a consumer has the right to close a credit card account at any time, and Citibank is refusing to honor my direct and repeated requests to do so.

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 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, aka XXXX XXXX, I am writing to file a formal complaint against Eastern Account System , Inc. ( XXXX XXXX XXXX, XXXX, CT XXXX ) regarding a {$130.00} collection they are reporting on my XXXX credit report ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) on behalf of XXXX XXXX. Background : I was a XXXX XXXX customer. XXXX failed to provide internet service for approximately XXXX weeks. Due to this failure to perform not a billing dispute, but a complete failure to deliver the service I was paying for I canceled my contract. XXXX had no grounds to charge me further, as they were the party that breached the service agreement by failing to deliver. Actions I Have Already Taken : XXXX. I filed a formal dispute with TransUnion challenging this collection as not owed. TransUnion 's report ( dated XX/XX/year> ) now shows the remark " Account information disputed by consumer ( FCRA ) '' however, the collection remains on my report. XXXX. I sent a written debt validation request to Eastern Account System under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), requesting they provide : - An itemized accounting of the alleged debt - A copy of the signed service agreement - Proof that services were actually rendered for the period in question To my knowledge, they have not provided adequate validation, yet they continue to report this collection. Why This Collection Is Invalid : - XXXX failed to provide service for approximately XXXX weeks - I canceled due to XXXX 's non-performance not non-payment - A consumer can not owe for services that were never delivered - Eastern Account System has not validated this debt despite my request - Continued reporting of an unvalidated, disputed debt violates both the FDCPA and FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fraud charges totaling over XXXX $ and put in a claim that has been denied 3 times. I sent a letter to reopen and it keeps getting denied but I or anyone I know has not made these charges. Bank of america

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am disputing a collection account reported by Online Information Services in the amount of {$210.00}, opened XX/XX/year>. I do not recognize this debt and have no knowledge of any agreement or account with this company. I requested full validation of the alleged debt, including a copy of the original contract bearing my signature, a complete payment history, documentation showing I am legally responsible, and an itemized breakdown of how the balance was calculated. The company did not provide any documentation directly to me. Instead, the account continues to report on my credit file with the remark dispute resolved subscriber disagrees. This does not constitute proper validation. Reporting a debt without providing documentation and marking it as verified without proof is inaccurate and misleading. I am requesting that the company either provide proper validation or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I am filing a complaint against Citizens Bank regarding an unresolved ATM cash deposit discrepancy and an incorrect debit memo applied to my checking account. On XX/XX/year>, I deposited {$420.00} in cash at a Citizens Bank ATM located at XXXX XXXX XXXX in XXXX XXXX, XXXX. The ATM counted and accepted the full cash amount during the transaction. Shortly after the deposit posted, a XXXX XXXX XXXX in the amount of {$140.00} was applied to my account with no merchant name, trace number, or explanation of where the funds were transferred. This debit memo does not correspond to any authorized transaction. My XXXX purchase from that same day is clearly labeled as a POS debit, and there is no {$140.00} transaction in my XXXX account records. A branch supervisor incorrectly stated that the debit memo was related to XXXX debt, which he claimed XXXX told him personally then proceeded to tell me to call the company after I asked him to provide the documentation that made him come to that conclusion, which is inconsistent with how transactions are coded and documented on my account statement. Additionally, the ATM machine was malfunctioning at the time of my deposit and was printing other customers receipts, raising serious concerns about the reliability and accuracy of that machines deposit processing and reconciliation on that date. I reported this issue to the bank in XXXX ; however, the claim was incorrectly categorized as fraud instead of an ATM deposit error or deposit adjustment dispute. As a result, the investigation was improperly handled and my request for reimbursement was denied without a documented ATM audit review. The citizens bank screenshots also support the internal error, one was taken on XX/XX/XXXX, the other is XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation