vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 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: VA

Complaint narrative:
XX/XX/XXXX - XXXX reached out to me about booking a hotel for a conference in XXXX from XXXX, XXXX. I believed that this company was working on behalf of the publishing company that would be paying for my trip. I agreed to book a hotel and then had a brief email exchange about which hotel I wanted. I confirmed that on the phone with " elite booking services ''. XX/XX/XXXX- I emailed to cancel the reservation when we realized that this company was not, in fact, representing her publisher. XX/XX/XXXX - I didn't hear back from " XXXX XXXX '' and discovered that this company has reportedly scammed customers in the past, so I initiated a dispute with Citibank. XX/XX/XXXX- Citibank resolved the dispute in the company 's favor. XX/XX/XXXX- I learned in a phone conversation with XXXX XXXX of elitebooking.com that an email had been sent to me about the cancellation policy. I then found it in my spam folder. XX/XX/XXXX- I again confirmed by email that we would like to cancel the reservation. XX/XX/XXXX- I emailed again to confirm the cancellation and acknowledge the 25 % cancellation fee. XX/XX/XXXX- I contacted Citibank to reopen the dispute. XX/XX/XXXX- XXXX XXXX ( XXXX XXXX ) finally answered my call and acknowledged that we had cancelled the reservation and would have her assistant process the refund. There has been no refund and no response from them through email or telephone. XX/XX/XXXX - I spoke with the hotel where the reservation was supposed to be made and confirmed that there was NOT one made for us by XXXX XXXX XXXX. XXXX XXXX - XXXX received a letter from Citibank saying that they have not received the requested " credit slip '' and have closed our dispute. I sent every bit of evidence I have of the transaction ( including what I believe to be a " credit slip '' ) and can't understand what could be missing. On the Citibank website it still has our disputed listed as " pending ''.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/year>, I disputed a {$1000.00} debit card transaction on my SoFi checking account. SoFis own system showed a real-time authorization alert for {$1.00}, not {$1000.00}. I did not authorize a {$1000.00} charge, and at no point was a {$1000.00} authorization presented to me. I submitted a Statement of Facts and supporting documentation, including the {$1.00} authorization alert and written communication from the merchant indicating that this transaction involved a scam and deceptive inducement. The transaction originated from a {$1.00} trial representation that resulted in a {$1000.00} charge. SoFi denied the dispute. In their response to my prior complaint, SoFi states that the merchant received a full and valid authorization and that no communication was sent to me regarding the transaction on XX/XX/year>. However, SoFi has not provided any documentation showing where or how a {$1000.00} authorization was presented to me and affirmatively approved. SoFi also changed the dispute classification from unauthorized to charged incorrectly and relied on the merchants representment, which addressed duplicate processing and delivery of services. I did not dispute duplicate processing or delivery. My dispute concerns an incorrect amount and lack of authorization for the {$1000.00} charge, as well as fraud through deceptive inducement. Additionally, SoFis statement that no communication was sent conflicts with their own system behavior, as a {$1.00} authorization alert was generated. This discrepancy has not been explained. After I appealed and requested reconsideration, SoFi briefly reopened the dispute but issued another denial within hours without addressing my evidence or correcting the dispute classification. As a result of reversing a provisional credit, SoFi has now placed my account into a negative balance based on a disputed transaction that was not properly investigated. SoFi has failed to conduct a reasonable investigation, failed to consider consumer-provided evidence, and has not substantiated its claim that a {$1000.00} authorization was validly obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEALTHFRONT CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I was victimized by a " bait-and-switch '' wire fraud originating from a fraudulent hotel listing on XXXX. The suspect used XXXX as the email hosting and checkout platform to send professional-looking confirmations. After " refunding '' an initial XXXX payment to gain my trust, they forced a non-protected {$360.00} ACH transfer from my Wealthfront account to a recipient account at the financial processor Relay Financial ( Payee : XXXX XXXX XXXX XXXX XXXX ). The platform provider, XXXX XXXX, has since confirmed they deactivated the merchant 's account for " suspicious activity. '' I have provided Wealthfront with FBI ( XXXX # XXXX ) and XXXX ( # XXXX ) reports. Despite the merchant 's termination by their own software provider and proof of criminal deception, XXXX is refusing to initiate an ACH Return ( Reason Code R10 ), incorrectly claiming the transaction was " authorized. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
am reporting unauthorized electronic fund transfers on my account with TD Bank. In XXXX, multiple transactions labeled as phone transfers moved money from my savings account to my checking account. These transfers were not authorized by me. Following these transfers, funds were withdrawn from my checking account without my permission. I did not initiate these transfers, and I did not authorize anyone to access my accounts. I had security measures in place, including phone verification and voice authentication, yet these transactions were still processed. I did not receive proper alerts, and I have no record of making these calls or authorizing these actions. I have screenshots and documentation from a TD Bank branch confirming that these transactions exist. However, when I contacted TD Banks fraud department, I was told they could not see these transactions in their system and refused to open a fraud investigation. I was sent back to the branch, and the branch also refused to open a fraud claim or escalate the issue. I have been repeatedly sent back and forth between the branch and the fraud department without any resolution. I have explicitly stated that these transactions are unauthorized, yet the bank has refused to investigate, stating that the transfers were internal between my own accounts. Regardless of whether the transfers were internal, I did not authorize them. Someone gained access to my accounts and moved my money without my permission. This constitutes unauthorized electronic fund transfers. I am formally disputing these transactions under the Electronic Fund Transfer Act ( Regulation E ) and am requesting a full investigation into how these transactions were processed, how my account security was bypassed, and why no proper authentication safeguards prevented this activity. I am seeking reimbursement for any unauthorized withdrawals, a full explanation of how this occurred, and confirmation that a proper fraud investigation has been conducted. I am also requesting a written response explaining why my claim was not initially investigated and why I was denied the ability to open a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
On XX/XX/year> I received a voicemail from an XXXX XXXX to return his call in reference to my file with claim number XXXX. He was instructed to contact me at my place of business to resolve the matter. I didn't return the call. Later that morning, my XXXX received a call from an XXXX that there's some type of order of location out for me for an intent to defraud. I immediately called the number at XXXX, to resolve the issue. I have never intended to defraud and did not wish to go to jail. I was instructed to pay {$1400.00} back for an {$400.00} phone I owed Acima. They said an XXXX in XXXX XXXX was going to locate me at my residence if I did not. So, me being scared I did. The rep and I came to an agreement that I am going to make XXXX weekly payments to pay back the debt. The company 's name is XXXX. I paid {$100.00} for a week, missed a payment, received calls from unknown numbers with voicemails about the debt. It sounded fishy. I researched and saw that a company can not lead me to believe that I will face criminal charges for a debt, and a police XXXX will locate me for attempt to defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I spent several hours attempting to resolve a banking error that originated on Bank of America 's end. I was unable to reach any support representative due to three systemic failures : Broken IVR System : Bank of America 's automated phone system loops endlessly and disconnects calls before reaching a live agent. This is a recurring, systemic issue not an isolated incident and effectively denies customers access to support. No Email or Written Support Channel : Bank of America offers no email-based support, leaving customers with no documented communication path and no alternative when the phone system fails. Bank-Originated Error : The issue requiring resolution was created by Bank of America XXXX not me. I should not bear the burden of hours of lost time chasing a resolution for a bank-created problem. These failures collectively denied me any meaningful ability to exercise my rights regarding my account and represent an unreasonable burden on consumers.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is a follow up to case - XXXX Bank of America is in violation of Electronic Fund Transfer Act ( Regulation E ), 12 CFR 1005.11. Under Reg E, if a bank denies an error claim, they are legally required to provide you with the " documents and evidence '' they relied on for that denial. Where ATM deposit was made and electricity at branch came down before ATM scanned the checks, Bank of America lost these checks, i would like to see footage of the deposit, showing that ATM took the checks and BOFA had possession of the checks. This matter also will be reported to XXXX Department of Banking as BOFA is not doing everything they can to resolve the issue nor providing evidence as required by LAW I insist that BOFA adhere to the law, provide evidence, including video footage of deposit showing checks were taken, ATM audit logs Cash/check balancing report for that ATM on that day Date of incident : XX/XX/year> 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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
This compliant is submitted to demand formal review and investigation of the lending practices, securitization, and foreclosure actions of Selene Finance LP ( " Selene '' ), which appear to have been conducted without statutory authority and in violation of both federal banking regulations and constitutional limitations. Selene Finance LP ( " Selene '' ) are attempting to enforce a foreclosure proceeding against private shelter property wherein I a private woman in rightful possession of her private shelter, in private capacity, not engaged in any regulated trade or business, and not subject to federal statutory jurisdiction under Title 12 or related commercial statutes. Private woman exercising my secured right to shelter as protected under both the Florida Constitution ( Article I 2 and 9 ) and the United States Constitution, including rights to due process, property, and privacy. The alleged mortgage loan agreement is unconscionable and void ab initio, as it was based on an unauthorized financial relationship wherein neither I nor the property qualified as commercial participants in a statutory real estate loan under Title 12 U.S. Code. This implicates violations of statutory banking authority and misrepresentation. I respectfully requests investigation of Selene Finance LP ( " Selene '' ), stop foreclosure actions and grant relief of costs and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Re : Promotional APR Balances on Meijer XXXX, issued through Citibank In XXXX XXXX, I received mailed checks from Citibank to use. I used XXXX checks : XXXX for {$750.00} and XXXX for {$350.00}. These offered a XXXX interest rate as long as the balances were paid by XX/XX/XXXX. In XX/XX/XXXX and after, I used the card for some purchases, which were subject to interest. I noticed on my XX/XX/XXXX statement, that my payment in excess of the minimum due, was mostly applied to the newer charges rather than the promotional balances. I called Citibank and was told that payments were first applied to highest interest balances, but that in the last XXXX billing cycles before the promotions expired, excess payments would, in fact, be applied to the promotions first. I called again on XX/XX/XXXX, spoke to " XXXX '', badge # XXXX to confirm. She looked up my account and assured me that if I paid {$410.00} over my minimum due, the excess would be applied to the {$65.00} and {$350.00} remaining promotional balances first. On XX/XX/XXXX, I paid {$300.00}, and on XX/XX/XXXX, I paid {$150.00}, totalling {$450.00}. This was enough to cover the minimum due of {$29.00} and both promo balances, yet almost all of this was applied to the new charges. I called again on XX/XX/XXXX to get this corrected. The representative said he could not fix this. I asked to speak to a supervisor, who also told me the same thing. He claimed that I did not have a " Promotional balances, despite it showing as that on my statements. This is misleading and fraudulant.

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 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MortgagePros, LLC
State: DE

Complaint narrative:
Keep changing closing dates due to improper documents being sent from current lender

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: NC

Complaint narrative:
MoneyLion has placed a restrictive hold on my XXXX account, effectively freezing my access to my primary source of income. The funds in the account consist solely of my standard corporate payroll direct deposits from my employer. Despite providing my valid government-issued photo ID and an official bank statement as proof of address, MoneyLion is demanding " third-party verification '' that is logistically impossible to provide for a payroll deposit. Specifically, they are requesting a notarized letter and a personal photo ID " selfie '' from my employer 's payroll department/provider. When I explained that this is a corporate payroll deposit and not a personal transfer from an individual, MoneyLion responded with automated scripts and threatened to hold my funds for a " dormancy period '' of XXXX to XXXX years before turning them over to the state as unclaimed property. This is an unconscionable withholding of earned wages. I have requested to close my account and receive my balance via check, but they have refused to comply, instead insisting on these impossible " third-party '' documents.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
My previous number was stolen from XXXX XX/XX/year> to access my banking account- suddenly on XX/XX/year> I spoke XXXX representatives with American Express who all stole my contact information, debit card number, and tried to tell me theyd update my info once I confirmed my identity with social and XXXX people denied me to update my phone number. They are crooks and being harassing towards me for the XXXX people I spoke to using my number XXXX to call American Express XXXX. I called at XXXX from XXXX and they were laughing thinking its a game and it is not. They are unprofessional and withholding me from updating my contact information same as affinity plus credit union.

Company response to consumer: Closed with explanation