vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EASTERN BANKSHARES INC
State: MA

Complaint narrative:
I am filing this complaint regarding a foreign currency exchange transaction that I believe was conducted in an unfair and deceptive manner. I am an older customer who has placed complete trust in their bank. ( Eastern bank, XXXXXX/XX/XXXX ) That trust is exactly why I did not question the transaction at the timeI reasonably believed that my bank would offer a fair and transparent exchange rate, or at the very least clearly disclose any significant markup. Instead, I was presented with paperwork to sign without any explanation of the rate being applied. Only shortly before my trip did I realize that the exchange rate I was given for XXXX XXXX was drastically inflatedso much so that I effectively lost approximately {$750.00} ( an almost 50 % markup ) compared to the prevailing market rate. This was not a small or expected fee or margin ; it was an extreme discrepancy that no reasonable consumer would knowingly accept. What is most distressing is not just the financial loss, but the complete lack of transparency. At no point did any bank employee explain the rate, warn me of the markup, or provide an opportunity to make an informed decision. I was simply handed documents and trusted the institution I have banked with. When I raised this issue with the branch manager, I was told that because I signed the paperwork, nothing could be done. This response ignores the fundamental issue : I was never given clear, understandable information that would have allowed me to knowingly consent to such unfavorable terms. I feel taken advantage of and deeply betrayed by an institution that claims to put its customers first. As an older customer, I am particularly concerned that this reflects a broader failure to ensure that vulnerable clients are treated fairly and transparently. I am requesting that this transaction be reviewed for unfair or deceptive practices, and that the bank provide appropriate remediation for the financial loss I incurred. No customerespecially one acting in good faith and trustshould be placed in this position.

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 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX and its associated law office for wrongful garnishment, over-collection, and inaccurate accounting practices. The judgment in this matter was satisfied on or about XX/XX/XXXX. Despite satisfaction of the debt, my wages continued to be garnished on the following dates : * XX/XX/XXXX : {$910.00} * XX/XX/XXXX : {$910.00} * XX/XX/XXXX : {$300.00} These post-satisfaction garnishments total {$2100.00} and were taken without legal authority after the balance had already been paid in full. Prior to satisfaction, additional amounts were also collected through wage garnishment and bank levy, including : * XX/XX/XXXX : {$700.00} * XX/XX/XXXX : {$700.00} * XX/XX/XXXX : {$700.00} * XX/XX/XXXX : {$780.00} * XX/XX/XXXX : {$640.00} * Bank levy : {$430.00} Additionally, the companys records are inaccurate. They reported that I paid {$600.00}, when in fact I paid {$800.00}, further demonstrating discrepancies in their accounting. This conduct reflects a failure to properly manage and terminate a lawful garnishment and resulted in the unauthorized seizure of my wages. As a result, I have experienced financial hardship due to funds being wrongfully withheld from my income. These actions constitute improper and potentially unlawful debt collection practices, including collection of funds without legal right and negligent recordkeeping. I am requesting a full refund of all over-garnished funds, correction of all account records, and appropriate compensation for damages caused. I also request a formal review of this companys practices to prevent similar harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I got a settlement with this company but when I called neither XXXX or jefferson capital are giving me an answer of who will be reporting to my credit buros, meanwhile i am Here disputing and receiving answers that I still owe when I already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Failure to Issue Funds Following Account Closure ( Account Ending XXXX ) Citibank has confirmed that my account has been closed and that the banking relationship has been terminated. Citibank has also stated in writing that any funds belonging to the customer at the time of closure will be issued via official check. Despite this, Citibank continues to retain {$15000.00} of my funds and has failed to issue payment, provide a lawful basis for withholding, identify any alternative rightful owner, or return the funds to the originating financial institution. Citibank has also failed to respond to multiple formal notices, including a deadline requiring a definitive position regarding ownership. This creates a direct inconsistency between Citibanks stated policy and its current actions. If Citibank contends that the funds do not belong to me, it must identify the rightful owner and take appropriate action. Absent that, continued retention of funds following account closure is not justified.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX, I deposited a business check using the mobile deposit feature to my account. The funds cleared the check writer 's account on the XXXX, yet the bank decided to hold the funds until XX/XX/year>. They provided no reason for this, blaming it on overdrafts ( which I have never been charged an overdraft fee ) and the sole right to do so based on their terms and conditions. I even appeared, in person, in a branch, where my visit lasted less than a minute ( and the teller didn't even access my account! ) because I was told that an XXXX model made these decisions, and that they had no way to override them.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AR

Complaint narrative:
Wilshire Consumer Credit is engaging in harassment and providing false account data regarding my solar loan. They frequently call both me and my wife, yet when I attempt to discuss the account, their representatives repeatedly hang up on me. They are reporting a " high balance '' and total amount owed that is demonstrably inaccurate compared to my records. Because they disconnect my calls, I am being denied the ability to verify or dispute this debt. I am requesting a full debt validation, and an immediate stop to the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: GA

Complaint narrative:
b"Yes good morning I'm having a lot trouble out of self lender associated with lead bank.\n\nXXXX XXXX XXXX XXXX ove been trying to login in to their website to pay my XXXX XXXX XXXX XXXX I try to login but I can't get in to pay my bill it's been almost 14 days. Of trying I can't use the text option cause I no longer have access to the phone number and the email option falsey states it send a verification code to email but it never shows up. I tried all the trouble shooting steps on my own. The called self on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX agents XXXX XXXX XXXX and last XXXX who stated it would be escalated to support department and within 3 hours I would able to login 2 days later still can't login to pay my bill.\n\nThis is about me paying my bill ahead of time and on time I can't do it cause self lender us refusing to allow.me to log in and pay them thus refusing payment by blocking me out the website.\n\nSupport case number april XXXX XXXX XXXX and XXXX XXXX XXXX they keep coming back with the same trouble shooting steps that don't work around In a circle \n\nI informed self that this bill ends up going unpaid it's their fault for denying me access to the account. \n To pay them. \n\nI told them their email verification is defective and not working for 14 days and indont have access to the phone number anymore can't remember it had quite few numbers.\n\nAt this point it's my view that self lender doesn't not want the account paid on time so it can cause a delinquency so they can get more lates fees and report bad information to the credit bureau and this is not fair business practice"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I am disputing the collection account reported by Credence Resource Management for an alleged XXXX debt. I have previously disputed this account with the credit bureaus but the account continues to be reported without proper verification. I am requesting documentation showing the original creditor agreement, proof that Credence Resource Management has legal authority to collect this debt, and verification of the balance and date of first delinquency. If the account can not be fully verified, it should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a complaint regarding a XXXX advance repayment from my Chime account. On my account activity, I noticed a deduction of {$330.00} labeled XXXX advance repayment. However, this repayment was taken before my qualifying direct deposit or paycheck arrived. My understanding is that XXXX advances are typically repaid once a qualifying deposit is received. Since no paycheck had been deposited at the time of the withdrawal, the repayment appears to have been taken prematurely. This deduction caused financial hardship because it removed a large amount of money from my account unexpectedly. I attempted to resolve this with Chime but need further review. I am requesting that this transaction be investigated and that the {$330.00} repayment be reversed or adjusted until my qualifying deposit arrives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I filed complaint XXXX in XX/XX/XXXX with your agency whereby I stated I was getting inundated with credit card offers via email. I have blocked and unsubscribed ( although I never subscribed in the first place ). I called the parent company for resolution and told them I needed assistance to stop receiving these unsolicited offers. The XXXX was unable to assist me so I filed the above-referenced complaint. I received a response which stated that I had been " removed '' and that the call the XXXX assisted me did not follow proper procedure. The complaint was closed as resolved. However since then, I have received the same unsolicited credit card offers for a Indigo card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX times ) and XX/XX/XXXX ). Clearly nothing has happened. I contacted the company via telephone AGAIN. This is a very difficult process because the letter referenced a phone number to contact in the company 's response. However, again, very difficult... the phone prompts insist you enter your account number. I DO NOT HAVE AN ACCOUNT. I finally reached a XXXX who must have asked me XXXX times over for my social security number. I told this XXXX I would not provide my social security as I was not a customer, yet he repeatedly insisted I must provide my social security number. This company is well-known to have a record high amount of complaints and I will not ever provide my social security number. I need this fixed ASAP. Also, if the company is truly reputable, they would put a contact number on their response letter that is a valid number for complaints, not some random " customer service '' number that get XXXX nowhere. I am attaching a list of the credit card offers received in my email since the parent company indicated I was removed from solicitations. My next step will be to contact my XXXX XXXX XXXX office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: SC

Complaint narrative:
My Cash App account ( XXXX XXXXXXXX ) was permanently deactivated on XX/XX/year> without any specific explanation beyond a generic " Terms of Service violation '' notice. I have been a Cash App user for several years and used my account exclusively for personal peer-to-peer transfers between friends and family members. My account activity was well within Cash App 's published transaction limits at all times. Issues with how this was handled : 1. No specific reason was given for the closure. Cash App only stated my account violated their Terms of Service but refused to identify which specific activity or transaction triggered the decision. XXXX. No warning was issued prior to deactivation. My account was closed without any notice, warning, or opportunity to correct any alleged issue. XXXX. No case or ticket number was provided, making it impossible to properly track or escalate my appeal. XXXX. I have reason to believe this was an automated network-wide ban rather than an individual account review, as multiple other users I transact with personally were banned around the same time under identical circumstances. XXXX. When I submitted an appeal through Cash App 's support process, I received only a vague response stating my account was closed for activity that " goes against our Terms of Service '' with no further detail. I am requesting that the CFPB require Cash App XXXX XXXX XXXX ) to provide a specific, detailed explanation of which activity violated their Terms of Service, conduct a proper human review of my account rather than relying solely on automated flagging, and confirm whether this was part of a mass automated network sweep affecting multiple users simultaneously. I was not engaged in any fraudulent, illegal, or prohibited activity. I am a regular consumer who used this platform for everyday personal transfers and I deserve a clear explanation and fair review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I sent a formal Debt Validation Request via Certified Mail to IC System regarding XXXX XXXX XXXX XXXX accounts ( Nos : XXXX, XXXX, XXXX ). I clearly identified myself as a self-represented ( XXXX XXXX ) consumer. I provided proof that TransUnion had already deleted these accounts as unverifiable. On XX/XX/year>, I received a response from IC System dated XX/XX/XXXX. Instead of validating the debt, IC System sent an " Information Request '' falsely claiming : " You have informed our office that your personal attorney is handling the matter. '' This is a fabricated claim and a deceptive stall tactic used to avoid their FDCPA validation duties under XXXX XXXX. XXXX. I responded on XX/XX/year>, via XXXX Mail, formally re-affirming my XXXX XXXX status and demanding the specific basis for their false claim of representation. IC System has failed to provide the XXXX items of validation required for North Carolina residents under XXXX XXXX XXXX. XXXX. They are using false representations to stall my dispute while continuing to report unverified, derogatory information to XXXX in violation of the FCRA.

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 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX, XXXX is a collection agency hired by Ally Financial Bank to try to force me to pay them money for an account # XXXX that was charged off and paid in full. The company as willfully, deliberately and maliciously continued its harassment and acting in bad faith in direct and clear violation of consumer financial protection act, fair credit reporting act and fair debt collection practices act. I have repeatably informed the company to stop all communications, but they continue none the less.

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 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
I had a large amount of money transferred out my account while my card supposed to have been locked to a unknown person when I contacted the bank about the transaction they told me there was nothing they could do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Issue : Unauthorized Electronic Fund Transfer / Account Takeover Company : SoFi Bank, N.A. Description : I am submitting this complaint regarding unauthorized transactions that occurred on my account on XX/XX/year>, and the banks handling of my dispute. On XX/XX/XXXX, I discovered that XXXX unauthorized XXXX a XXXX transfers totaling approximately {$1200.00} were sent from my account to an unknown recipient ( XXXX XXXX XXXX ). I do not know this individual and have never sent money to this recipient. The sequence of events in my account activity is as follows : XXXX XXXX I received a SoFi SMS verification code on my phone that I did not request and did not enter anywhere. XXXX XXXX My login history shows a login from XXXX on a computer. I normally access my account from my phone and had not logged into my account from a computer around that time. Shortly after Funds were moved from my savings account to my checking account. Immediately after XXXX XXXX transfers totaling approximately {$1200.00} were sent to the unknown recipient listed above. These actions do not match my normal account behavior. I typically access my account from my phone and only transfer funds between my own accounts or through XXXX. I do not use the XXXX feature. I reported the unauthorized transactions the same day after discovering them. The bank denied my dispute, stating only that there were successful XXXX logins and that the activity was geolocal to the member. However, the bank did not provide any underlying evidence to support this conclusion. I formally requested documentation, including authentication logs, device information, session data, and details regarding how the transactions were determined to be authorized. Despite multiple requests, the bank has not provided these documents. Additionally, my appeal was initially not received due to a communication issue, and although it was later confirmed as received on XX/XX/XXXX, I did not receive a response within the stated review timeframe. I believe the bank did not conduct a reasonable investigation as required and relied on general statements rather than reviewing the full sequence of events, including : The authentication event ( verification code sent at XXXX XXXX ) The login from a different device ( XXXX vs my normal phone usage ) The rapid sequence of internal transfer followed by XXXX payments The use of a payment method I do not normally use The transfer to an unknown recipient I am requesting that the bank : Provide all documentation relied upon in its investigation, including authentication logs, device and session information, and IP/geolocation data Reconsider the claim based on a full review of the account activity and transaction sequence Reimburse the unauthorized transactions in accordance with consumer protections under the Electronic Fund Transfer Act ( Regulation E ) Thank you for your review of this matter.

Company response to consumer: Closed with explanation