vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have Citi Double cash card ending in XXXX. I had a dispute for my XXXX purchase for a prepaid Calling card. Initially when i filled the dispute - nobody was available so dispute amount was {$90.00}. Later i realized that dispute amount is much more and updated them about the same with the exact calculation that refund amount should be in the range of $ XXXX {$110.00}. Citi only got {$90.00} as a refund amount. I called Citi for this and told everything to the woman I talked about it. She assured me that she will work on this but even after a month nothing is done. There is a FCC complaint, XXXX ticket and so many things - but this Citi- does absolutely nothing.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue Description ( ) : I have an automatic monthly recurring payment setup from my Citibank account to XXXX XXXX XXXX ( account ending in XXXX my vehicle loan. The fixed monthly payment amount is {$290.00}, scheduled on the XXXX of every month. On XX/XX/year>, Citibank successfully debited {$290.00} from my checking account for this scheduled payment. However, XXXX XXXX XXXX later contacted me and stated they never received this specific transaction. Because the payment was marked as missing, I was forced to make a duplicate payment of {$290.00} out of pocket via XXXX directly to XXXX XXXX XXXX to avoid going into default or damaging my credit score. As a result, I have been double-charged for the XX/XX/year> cycle. Citibank deducted the funds from my account, but failed to ensure they were properly routed and credited to the recipient bank, and the funds remain missing.

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 2026-06-29 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: GA

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that 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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/2026 I received a settlement from my son death for {$750.00} and awarded {$16000.00} and I withdrew money a couple of times later but not enough for the bank to tell me that somebody with held or deposited {$4000.00} that I never withdrew is what they told me was missing out of my account I don't know what to do could someone please contact me in the future

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 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
The property in mention was recently reclassified as rebuilt in XXXX. This resulted the property insurance was reduced from XXXX to XXXX yearly. As such the escrow shortage has been eliminated but Freedom Mortgage has refused to acknowledge the shortage has been met and the payments of {$1100.00} should be reduce to the original mortgage of Approximately {$800.00}. please note the State of Florida also will vote on elimination of XXXX XXXX in XX/XX/XXXX. This would eliminate another {$2000.00} yearly from the escrow needed to satisfy the required yearly escrow. The current payment has resulted in a hardship to pay the increased monthly payments. My autistic son and myself are barely surviving off his {$200.00} S.S.I. and his deceased mother 's social security of {$800.00}. This matter has caused a hardship for me and my child because I only netted {$18000.00} last year.

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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute the accuracy of the above-referenced account appearing on my XXXX credit report. The account is currently reporting a 120-day late payment history and includes the remark, Settlement accepted on this account. I believe this information is inaccurate. This account was paid in full and currently reports a XXXX balance. I dispute the late payment history and the settlement notation because they do not accurately reflect the status of the account. Additionally, this account appears only on my XXXX credit report and does not appear on the other major credit bureaus, which raises concerns regarding the accuracy and completeness of the reporting. Pursuant to the Fair Credit Reporting Act, I request that XXXX conduct a reasonable investigation and verify the following : The accuracy of the reported 120-day late payments. Whether the account was settled or paid in full. The complete payment history for this account. Documentation supporting the reported derogatory information. If the information can not be verified as accurate and complete, I request that the inaccurate late payment history and settlement remarks be removed or corrected. Please provide me with the results of your investigation and copies of any documentation used to verify this account.

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 2026-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
Subject : Complaint Against Uprova R equest for Investigation I am filing this complaint to request that the Consumer Financial Protection Bureau investigate a loan issued to me by Uprova in Florida. I believe this loan may involve predatory lending practices and may not comply with applicable federal and Florida consumer lending laws. The loan carries an excessively high cost of borrowing, and I am concerned that its terms may be unfair, deceptive, or otherwise unlawful. I respectfully request that the CFPB investigate whether Uprova was authorized to issue this loan in Florida and whether the loan complies with applicable federal and Florida law. If the investigation determines that the loan was issued or serviced in violation of applicable law, I respectfully request that the remaining balance be canceled and that any other appropriate corrective action be taken. Thank you for your time and consideration. I appreciate your assistance in reviewing this matter. Sincerely, 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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am disputing the accuracy and completeness of the reporting of the above-referenced account. I was an owner on this vehicle loan with Credit Acceptance Corporation. The vehicle experienced major mechanical problems, including engine failure, and the vehicle was voluntarily surrendered to the lender. However, my credit reports contain inconsistent information. The account is reported as a repossession and, in some instances, as an involuntary repossession, despite the vehicle being voluntarily surrendered. Additionally, the reporting among the credit bureaus is inconsistent regarding : Dates of last activity. Last payment dates. Creditor remarks. Account history. Deficiency balance information. Furthermore, I never received any notices concerning : The voluntary surrender. The sale of the vehicle. The sale proceeds. The remaining deficiency balance. My rights regarding the disposition of the vehicle. Pursuant to the Fair Credit Reporting Act, I request a complete investigation and verification of this account. Please provide : 1. A copy of the original signed contract. 2. Documentation establishing my liability as a signer. 3. Records showing the vehicle was repossessed rather than voluntarily surrendered. 4. Documentation regarding the sale of the vehicle. 5. The calculation supporting the alleged balance owed. 6. Copies of all notices allegedly sent to me. If this information can not be verified as accurate and complete, I request that the account be corrected or removed from my credit file. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2026-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
My outgoing wire transfer to my own securities account was blocked by Citi 's Fraud Protection team, even though it was a legitimate transfer to an account I own. After the transfer was blocked, I contacted Citi 's Fraud Protection team multiple times to verify my identity and have the transaction released. However, I was repeatedly told that the email address and phone number already on file for my account could not be used for identity verification. Since Citi would not accept the contact information associated with my account and did not provide a reasonable alternative verification method, I was left with no way to prove that I am the legitimate account owner. In addition, some of the verification methods they requested felt unsafe. For example, I was asked to read aloud my card number and the CVV code to a live representative. I was concerned that the person on the call could record that information and potentially use it in a way that would not be in my interest. As a result, my wire transfer remains blocked with no clear resolution. I believe Citi 's fraud prevention process has a fundamental design flaw. Instead of protecting customers while allowing legitimate account owners to verify their identity through reasonable and secure alternative methods, the current process creates a deadlock where legitimate customers can become locked out of their own transactions. I made multiple attempts to resolve this issue through Citi 's Fraud Protection team, but no effective solution or secure alternative verification process was provided.

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 2026-06-29 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

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 2026-06-29 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: NJ

Complaint narrative:
I am requesting an investigation of this account pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. The information being reported appears to be inaccurate and inconsistent among the credit reporting agencies. The account is reporting differently between the credit bureaus. TransUnion reports the account as open, while Experian reports the account as closed. Additionally, there are inconsistencies regarding the dates reported and account status. Please provide the following : Documentation proving I am legally responsible for this debt. A complete payment history and account records from the original creditor. The agreement or contract bearing my signature. Documentation showing that EASTERNACCOS has the authority to collect this debt. Verification of the accuracy of the reported balance and account status. If you can not verify the accuracy and completeness of this information, I request that the account be deleted from my credit file and that all credit reporting agencies be notified of the correction. Please complete your investigation and provide me with the results within the time period required by the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
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: MoneyLion Inc.
State: NC

Complaint narrative:
I have fulfilled all of my payment obligations for both my XXXX XXXX XXXX and XXXX account, yet I continue to be denied access to XXXX without a valid explanation. My payment history is as follows : XXXX : XXXX XXXX XXXX payment received by the company. XXXX : Payment was deferred after I spoke with a company representative and was advised that a deferment would be applied. XXXX : XXXX XXXX XXXX payment received by the company. Current : My XXXX balance has been paid in full, and my account is current. Despite paying approximately {$450.00} {$500.00} toward these services, the company has continued to deny my access to XXXX while providing no clear reason for the restriction. I have contacted customer support seeking an explanation and resolution, but the issue remains unresolved.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing this complaint regarding Citi Banks refusal to release a {$450.00} pending debit card authorization despite the merchant canceling the transaction within minutes of the purchase attempt. On XX/XX/year>, I attempted to place an order with XXXX XXXX XXXX for two devices and authorized a payment of {$450.00} from my Citi checking account as a required deposit. Immediately after the transaction was processed, the XXXX XXXX XXXX representative informed me that only one device had been added to the order instead of the two devices I had specifically requested. Because the order did not reflect what I agreed to purchase, I canceled the order with the same XXXX XXXX XXXX representative approximately XXXX minutes after the original transaction. XXXX XXXX XXXX immediately confirmed the cancellation by email on XX/XX/year>. No devices were shipped, no services were provided, and the transaction was canceled before fulfillment occurred. Despite receiving immediate cancellation confirmation from the merchant, Citi Bank has continued to hold the {$450.00} as a pending transaction and has refused to release the funds back to my account. When I contacted Citi for assistance, I was transferred to the fraud department and informed that it could take up to 90 days for my money to be returned if my statements were found to be accurate. I also offered to provide Citi with the written cancellation confirmation from XXXX XXXX XXXX but I was still told that my funds could remain unavailable for up to 90 days. I believe it is unreasonable and unfair for Citi Bank to continue restricting access to my funds for a transaction that was canceled within minutes and for which the merchant has already confirmed cancellation in writing. As a result of Citis actions, I have been deprived of access to {$450.00} of my own money for an extended period of time despite there being no completed purchase, no shipped merchandise, and no dispute regarding the cancellation of the order. I am requesting that Citi Bank immediately release the pending authorization hold or otherwise credit the {$450.00} back to my checking account without further delay. I am also requesting an explanation as to why a customer can be required to wait up to 90 days for the return of funds related to a transaction that was canceled almost immediately and never completed. Supporting documentation, including the XXXX XXXX XXXX cancellation confirmation and screenshots of the pending transaction, are available and can be provided upon request.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US Bank does not increase my credit limit at all despite me using the card responsibly and paying the entire balance in full prior to my statement closing date, a {$400.00} credit limit makes it impossible to consistently use and every request for an increase is denied automatically without any actual review.

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 2026-06-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am writing to formally address an ongoing matter concerning payments made to your institution on behalf of the Louisiana XXXX XXXX. Below is a summary of the payments and related correspondence XXXX XXXX On XX/XX/XXXX, a payment of {$420.00} was sent to U.S. Bank from the Louisiana XXXX XXXXXXXX XXXX On XX/XX/XXXX, an additional payment was made. XXXX Throughout XXXX and XX/XX/XXXX, mutiple payments ( ranging from {$360.00} to {$1000.00} ) were sent to U.S. Bank on a weekly basis. - XXXX XXXX and XXXX, XXXX are also key dates of correspondence. Since XXXX XXXX XXXXXXXX, I have been attempting to resolve this matter. The Louisiana XXXX XXXX has provided documentfurther complicating the situationation confirming they sent these payments to you. Unfortunately, in XXXX, I received a letter from U.S. Bank stating that you did not receive these payments. This is despite clear evidence from the Commission showing otherwise. On XX/XX/XXXX, I was contacted by U.S. Bank regarding my denied claim, dased on my request dted XX/XX/XXXX. The documents you provided indicated that my debt card number was changed multiple times- shifting between several different numbers- further complicating the situation. Given these complexities, I kindly request that U.S. Bank take the necessary steps to cooperate fully in resolving this matter. In light of the documentation from the Louisiana XXXX XXXX, I urge you to review these payments and return any lost assets as appropriate. Thank you for your prompt attention to this matter. I look forward to your swift resolution and am availible for any further information you may need.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I live in the XXXX and I am profoundly XXXX, so I am unable to phone Truist, and they know this. For weeks I have been trying to close my current account with Truist. It has a XXXX balance, They do nothing. They do not respond to my emails. I had a letter delivered by XXXX and signed for. They have done nothing with that.

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