vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I initiated a transfer from an external bank into my Citibank checking on XX/XX/XXXX via XXXX site for {$1400.00}. The email confirmation says estimated deposit date is XX/XX/XXXX. The citibank app, at this very moment, STILL says Funds available by XX/XX/XXXX. Funds may be available sooner. It is XX/XX/XXXX and my funds are still not in my account. The funds are in my account history but after speaking with multiple phone reps, there is a 3 day memo hold on my funds and wont be available until XXXX. That date nor hold is not mentioned anywhere. XXXX chat supervisors, XXXX and XXXX, apologized for the XXXX memo hold info and assured me multiple times my funds would be available on XX/XX/XXXX. They told me to keep checking account until end of day and if not there by XX/XX/XXXX, theyd open an investigation. After not getting my funds by end of day XX/XX/XXXX, I reached out via chat to another supervisor, XXXX, and XXXX stated my funds would not be available until XX/XX/XXXX. My chest is still tight from the level of stress Ive endured over all the conflicting information. The app, email confirmation, and apparently some leaders at Citi all confirmed my money would be in my account by XX/XX/XXXX. Citi is conducting deceptive and misleading practices by telling customers on app funds will be available same or next date but holding funds for 3 days without ANY notice.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this formal complaint against Experian and TransUnion for continuing to report inaccurate, erroneous, unverifiable, incomplete, outdated, misleading, and unfair information on my consumer credit reports despite my disputes and requests for correction under the Fair Credit Reporting Act. Both credit bureaus are reporting inaccurate personal identifying information and unauthorized inquiries that do not meet the maximum possible accuracy standards required under federal law. Experian is inaccurately reporting the name XXXX XXXX XXXX, along with the false addresses XXXX XXXX, XXXX and XXXX XXXX XXXX XXXXXXXX, while TransUnion is inaccurately reporting the addresses XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, MA XXXX . These addresses are inaccurate, incomplete, misleading, unverifiable, and improperly associated with my consumer file, creating the appearance of a mixed or contaminated credit profile that is causing substantial reputational and financial harm. In addition, Experian is reporting hard inquiries from XXXX XXXX XXXX dated XXXX, XXXX XXXX dated XXXX, and XXXX XXXX XXXX dated XXXX, while TransUnion is reporting a hard inquiry from XXXX XXXX XXXX XXXX dated XXXX. These inquiries are inaccurate, unauthorized, unverifiable, incomplete, misleading, and unfairly reported because neither bureau has provided competent evidence proving permissible purpose or lawful authorization under FCRA Section 604 ( a ). Under FCRA Section 611, I have the right to dispute inaccurate information and demand a reasonable reinvestigation, yet both bureaus continue reporting these items without providing proper documentary verification. Furthermore, under FCRA Section 605 ( a ), outdated and improperly retained information can not remain on a consumer report indefinitely, especially when it can not be fully verified. The continued reporting of these inaccurate names, addresses, and inquiries has damaged my creditworthiness, ability to obtain favorable financial opportunities, and overall consumer reputation. Both Experian and TransUnion have failed to maintain reasonable procedures to assure maximum possible accuracy and have continued reporting unverifiable and misleading information despite receiving notice of dispute, which may constitute willful noncompliance with federal law.

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 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am disputing a collection account containing at least {$4600.00} in charges that I believe are inaccurate and unsupported. The collection account includes a charge of {$1700.00} identified as XXXX dated XX/XX/XXXX. We paid our final months rent and do not believe this amount is owed. Despite our attempts to dispute the charge, the account was referred to collections. This account relates to our tenancy at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX p : ( XXXX ) XXXX The collection account also includes a charge of {$2800.00} identified as an Insufficient Notice Fee dated XX/XX/XXXX. Our original lease began on XX/XX/XXXX and ended on XX/XX/XXXX. After the lease expired, our tenancy converted to a month-to-month tenancy. On XX/XX/XXXX, we informed management that we would vacate the apartment on XX/XX/XXXX. The landlords own records reflect a Notice Given Date of XX/XX/XXXX and a Move Out Date of XX/XX/XXXX. Prior to vacating, I raised California Civil Code 1946.1 regarding notice requirements for month-to-month tenancies. Management refused to address the legal basis for the notice-related charge and continued to insist that a 60-day notice requirement applied. Rather than meaningfully investigate the dispute, the landlord assessed an Insufficient Notice Fee of {$2800.00} and subsequently referred the account to collections. I am requesting that the company provide : 1. Documentation supporting the claim that XX/XX/XXXX rent was unpaid. 2. A complete accounting showing how the {$2800.00} Insufficient Notice Fee was calculated. 3. Documentation supporting the legal basis for assessing this fee after the tenancy had converted to month-to-month status. 4. A complete validation of all amounts being collected. Because a substantial portion of the collection balance is disputed, I request that the debt be investigated and corrected and that any inaccurate information reported to consumer reporting agencies be removed or amended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I paid an old bill to XXXX XXXX on XX/XX/2026. Directly to a rep over the phone. The payment cleared my bank that same day. I called XXXX back serval times because it's still showing on my credit report from jefferson capital as a collection owed. I also disputed the account but they are saying I still owe amount. I can not get anyone from either company to help me but XXXX has been on the phone with me and my bank. XXXX has also been on the phone with me and their collection agency and nothing has been done. They have just taken my money and refuse to apply it my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX said they charged fees in order to make a payment on XX/XX/XXXX when I went to their online portal. This is the only debt collection company that Ive ever heard that charges a fee to make a payment. And its not even reasonable its an almost {$12.00} fee just to make a debit card payment. And they were charging this payment fee biweekly without even telling me I could do monthly payments instead, I had to call and ask this after on XX/XX/XXXX after already speaking to them on the phone the same day ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
If I don't owe an balance... If I don't owe anything to the bank... If there is no collection activity.... If the balance is paid in full by the bank.Can you remove me from XXXX XXXX... So I can open bank accounts for myself and my businesses/nonprofits..... I stopped using the account because of a hardship.... I stopped using the account because I didn't want to be a risk to the bank.... I don't have an attorney.... I'm representing myself in the matter.... I will be filing a lawsuit against Wells Fargo since you all denied an arbitrary hearing Arbitration.... I will act as my own attorney in Federal Court..... It's called XXXX... So I need your resident agent for proper court summons service.... I also need your attorney legal counsel for Wells Fargo .... Again I will be representing myself XXXX in Federal Court.... If you don't understand the term look it up please... A lawsuit will not be filled if you remove me from 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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
On XX/XX/year>, I initiated a transfer of funds from my bank account XXXX XXXX XXXX XXXX ) to my sisters account in XXXX through the MoneyGram website. The transfer amount was approximately {$500.00}. Unfortunately, the funds did not reach their intended destination. In response to this issue, I sent multiple emails to MoneyGram, providing detailed explanations of the problem. Each time, I received a response from another employee indicating that the transaction had been completed. Despite these efforts, I was unable to resolve the issue through phone calls. A 2 days after my moneygram account was suspended and I couldnt even access it. When they did this. As a last resort, I contacted my bank for a dispute resolution process. The bank responded to my dispute with a denial, citing a proof from MoneyGram. The proof indicated that the funds had been sent to a different destination and that there had been an error that went unnoticed. The city mentioned in the proof is XXXX, and the country is XXXX. However, this is incorrect because there is no city called XXXX in XXXX. I have a proof of all the emails and the XXXX XXXX XXXX response, and I have not received any reimbursement for the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: NE

Complaint narrative:
In XX/XX/2025, I voluntarily surrendered my vehicle to XXXX after the vehicle became inoperable less than a year after purchase. The cost of repairs exceeded the value of the vehicle, making it financially unreasonable to repair. I contacted XXXX and requested that they retrieve the vehicle as part of the voluntary surrender process. Despite my repeated attempts to resolve the matter, XXXX refused to pick up the vehicle or properly honor the voluntary surrender agreement. This left me with an unusable vehicle and ongoing issues related to the account. I believe the company failed to properly handle the voluntary surrender and did not provide reasonable assistance or resolution after I notified them the vehicle was no longer operable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this formal complaint against Experian and TransUnion for continuing to report inaccurate, erroneous, unverifiable, incomplete, outdated, misleading, and unfair information on my consumer credit reports despite my disputes and requests for correction under the Fair Credit Reporting Act. Both credit bureaus are reporting inaccurate personal identifying information and unauthorized inquiries that do not meet the maximum possible accuracy standards required under federal law. Experian is inaccurately reporting the name XXXX XXXX XXXX, along with the false addresses XXXX XXXX, XXXX and XXXX XXXX XXXX XXXXXXXX, while TransUnion is inaccurately reporting the addresses XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX, MA XXXX . These addresses are inaccurate, incomplete, misleading, unverifiable, and improperly associated with my consumer file, creating the appearance of a mixed or contaminated credit profile that is causing substantial reputational and financial harm. In addition, Experian is reporting hard inquiries from XXXX XXXX XXXX dated XXXX, XXXX XXXX dated XXXX, and XXXX XXXX XXXX dated XXXX, while TransUnion is reporting a hard inquiry from XXXX XXXX XXXX XXXX dated XXXX. These inquiries are inaccurate, unauthorized, unverifiable, incomplete, misleading, and unfairly reported because neither bureau has provided competent evidence proving permissible purpose or lawful authorization under FCRA Section 604 ( a ). Under FCRA Section 611, I have the right to dispute inaccurate information and demand a reasonable reinvestigation, yet both bureaus continue reporting these items without providing proper documentary verification. Furthermore, under FCRA Section 605 ( a ), outdated and improperly retained information can not remain on a consumer report indefinitely, especially when it can not be fully verified. The continued reporting of these inaccurate names, addresses, and inquiries has damaged my creditworthiness, ability to obtain favorable financial opportunities, and overall consumer reputation. Both Experian and TransUnion have failed to maintain reasonable procedures to assure maximum possible accuracy and have continued reporting unverifiable and misleading information despite receiving notice of dispute, which may constitute willful noncompliance with federal law.

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 2026-05-29 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
CFPB FOLLOW-UP RESPONSE NON-DUPLICATIVE CONTINUING VIOLATIONS Consumer : XXXX XXXX XXXX XXXX CFPB Complaint # : XXXX This matter should not be treated as merely duplicative because the violations complained of are continuing and involve additional misconduct occurring after prior complaints were submitted. My complaint concerns ongoing and unresolved issues including : * Unauthorized seizure/setoff of deposited funds, including wages; * Failure to conduct a reasonable fraud investigation ; * Continued furnishing of inaccurate account information ; * Failure to provide accounting and validation after formal dispute; * Failure to update balances after seizure of funds ; * Continued reporting of disputed information despite notice. These are continuing violations, not a repetition of previously resolved issues. Navy Federal has still failed to provide : 1. Full transactional accounting ; 2. Contractual authority for the setoff ; 3. Documentation supporting its claimed right to seize funds ; 4. Reasonable investigation findings ; 5. Proper reconciliation of reported balances ; 6. Verification of furnished information. The continued furnishing of disputed and inaccurate information after notice raises concerns under : * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) ; * Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) ; * Federal consumer protection standards regarding account investigations and reporting accuracy. Additionally, the alleged balance being reported does not appear to accurately reflect funds already seized and applied by Navy Federal. A complaint should not be classified as duplicative merely because it involves the same financial institution when new and continuing violations are being alleged. I respectfully request that this matter remain part of the CFPB complaint record and that Navy Federal be required to provide substantive responses and supporting documentation regarding : * The setoff authority relied upon ; * Accounting records; * Fraud investigation procedures; * Reporting verification procedures. Respectfully submitted, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
See attached letters sent to Bank Of America. I was charged for items I did not purchase. A police Report was taken by the XXXX, CA Police Department

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: CA

Complaint narrative:
I asked if I could make my payment in XXXX is currently I have a lot of debt. Im paying off a lot of money using to pay off things and I asked if I can make my first payment in XXXX and they still keep calling me after I try to arrange my payment starting in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: SC

Complaint narrative:
Im writing to file a complaint against POSSIBLEFINA for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I was on vacation in XXXX I forgot my phone in the back seat of a XXXX driver I then quickly called my phone the driver answerd and refused to bring my phone back. I could not access my phone or mail account or bank accts because I needed my phone to verify all info even for email. I reached out to my bank by phone because there is no XXXX XXXX XXXX in XXXX and learned money was taken from my acct. I couldnt replace my phone because there is no XXXX in XXXX. Once I arrived home my bank returned the money that was token from my acct as well as XXXX XXXX returned funds token. However Cash App released two payments after denying several attempts of withdrawal they paid out XXXX and XXXX that were fraud money tooken from my acct authorized through the phone that was gone. I filled despite and sent the proof I had they declined it I appealed and explained with detail plus attached all photos showing what had been done and they declined it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
FRIDAY, XX/XX/year> : I reported fraud involving XXXX unauthorized debit card transactions totaling {$27000.00} to Wells Fargo. I possess a XXXX XXXX Police Report and an FTC IdentityTheft.gov Report regarding identity theft. THURSDAY, XX/XX/year> ( TODAY ) = Business Day # XXXX under Regulation E ( 12 CFR 1005.11 ). FRIDAY, XX/XX/year>, XXXX XXXX MT = Business Day # XXXX = LEGAL DEADLINE for provisional credit. WELLS FARGO VIOLATED THE LAW : 1. Altered my dispute : I reported XXXX transactions. Wells closed the case citing " XXXX transactions '' without my authorization. Where did the extra XXXX come from? 2. Stole from the disputed amount : I disputed {$27000.00}. Wells only acknowledged {$20000.00}. {$6500.00} is missing. 3. Regulation E 1005.11 ( c ) ( 2 ) : Failed to issue the provisional credit of {$27000.00} by the XXXX business day. They closed the case on the XXXX day without issuing credit. 4. 1005.11 ( d ) : Premature closure of the case without providing a written decision to the consumer. DOCUMENTED CRIMINAL FRAUD : XXXX. XXXX XXXX Police Report regarding theft + fraudulent transactions totaling {$27000.00}. 2. FTC IdentityTheft.gov Report regarding identity theft/impersonation. Given the existence of a police report, Regulation E mandates IMMEDIATE provisional creditrather than waiting 10 days. Wells intentionally violated federal law. REQUIRED RESOLUTION : Full provisional credit of {$27000.00} deposited into my account by FRIDAY, XX/XX/year>, XXXX XXXX MT. Failure to comply : I will request that the CFPB impose maximum penalties and initiate an audit for banking fraud.

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