vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a Citigold client with Citibank. My account ending in XXXX has been frozen by the bank 's fraud/risk department. Since yesterday XX/XX/year>, I fully cooperated with Citibank 's fraud prevention team. I successfully completed their security protocols and validated every single piece of documentation, identity verification, and transaction detail requested of me. The fraud team acknowledged completion of these steps. Despite satisfying XXXX XXXX of their compliance and identity verification protocols, Citibank is refusing to unfreeze the account and restore access to my funds. Frontline agents are stating that " internal system updates '' are preventing them from executing the unlock. An internal administrative IT schedule is not a legally or commercially viable reason to freeze an elite client 's capital. I am currently executing a highly time-sensitive, major business transaction. Because Citibank is willfully withholding access to my verified funds after I cleared their security checks, this transaction is on the verge of collapsing. This administrative delay is causing imminent, quantifiable financial damages of {$50000.00} to {$60000.00} today. I have contacted the Citibank Executive Response Unit and senior management to place them on notice of these massive consequential damages. I am requesting the CFPB 's immediate intervention to compel Citibank to manually override their internal system maintenance error, review my fully validated compliance file, and instantly restore access to my funds before catastrophic business loss occurs.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
To Huntington National Bank Legal Department and Customer Advocacy Response Team, I am formally disputing Huntington Banks findings regarding accounts associated with my identifying information and hereby demand escalation to arbitration and/or formal dispute resolution pursuant to the account agreement and applicable federal and state law. Your recent response failed to adequately address the serious concerns raised regarding possible unauthorized account activity, identity misuse, restricted access to records, and the handling of my fraud complaints. The response relied heavily on generalized conclusions and record-retention limitations while failing to provide meaningful investigative detail or supporting documentation. Please be advised that I am requesting immediate preservation of all materials related to these accounts, including but not limited to : * Signature cards, * Account-opening documents, * Internal notes, * Branch logs, * Surveillance records, * Employee communications, * IP/device login information, * Linked addresses and phone numbers, * Transaction histories, * SAR-related review documentation where XXXXegally permissible, * And all investigative records connected to Huntington Case # XXXX and CFPB Case # XXXX. Failure to preserve evidence after notice of dispute may constitute spoliation of evidence and may subject the institution to additional legal scrutiny. Additionally, I request : XXXX. A complete copy of the arbitration clause governing these accounts ; XXXX. The designated arbitration administrator utilized by Huntington ; XXXX. Instructions and deadlines for initiating arbitration or mediation ; XXXX. Written explanation of the investigative methods used to determine the accounts were authorized ; XXXX. Copies of any documents bearing my alleged signature or authorization. Please also note that financial institutions have obligations under federal law to maintain accurate records, investigate fraud complaints in good faith, and comply with consumer protection standards, including obligations arising under : * The Fair Credit Reporting Act ( 15 U.S.C. 1681 ), * The Electronic Fund Transfer Act, * Federal identity theft protections, * And applicable fraud and financial crimes statutes. If this matter is not resolved appropriately, I reserve the right to pursue additional complaints and legal remedies through federal regulators, arbitration proceedings, civil litigation, and other appropriate channels. This correspondence serves as formal notice that the matter remains disputed. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one savor rewards credit card offered a cash back bonus for spending {$500.00} or more within the first 90 days. I believe the cash back bonus either said {$250.00} or {$200.00}. When i called they said because the way they reviewed it they didn't give it to me. So basically they did a bait and switch. Because they baited me hooked me with the idea of getting the reward then they basically said " Well the way we reviewed it you didn't get it ''. I don't understand why they can do this. Also I'm having them review it again to see if they can give it to ne. Im still within the XXXX day window and have spent more than the {$500.00}. Now i feel like they hook people with ideas of cash back and switch up on people. This is so wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I worked at a XXXX XXXX 's XXXX for a few days. I tried to setup direct deposit but the employer already setup a money network card. When I got the card, i signed up for an account and set a transfer to my actual bank account. It was around XXXX XXXX I contacted customer service and got the account closed after. The money has not gone through and it has been around XXXX weeks since I did that. I can not access their customer service for help, because I no longer have an account and apparently you need XXXX for their customer service. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint against Robinhood regarding the abrupt closure of my account and the handling of my funds ( {$26000.00} in total ). In XX/XX/year>, I initiated XXXX valid ACH deposits from my XXXX XXXX account to Robinhood ( {$25000.00} and {$1000.00} respectively ). Later, I attempted to transfer my balance out to my XXXX XXXX XXXX account wihch was linked to my Robinhood account. Robinhood denied the XXXX attempt. After speaking with customer support, I attempted a XXXX time. Consequently, Robinhood restricted and terminated my account without providing any granular explanation, stating only that the funds must be returned to the original source bank ( XXXX ). I accept the account closure, but Robinhood has failed to provide explicit tracking information, effective initiation dates, or proof of the ACH Return for the {$26000.00}. My funds are currently floating in transit with XXXX visibility, causing severe financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo mishandled XXXX of my utility payments on XX/XX/year> that resulted in the utility company disconnecting my service because Wells Fargo held the money for over XXXX days. I made several calls to Wells Fargo and each time I am being told that the utility company has the money until XX/XX/year> before Wells Fargos returned the money to my account and sent me a mail that they have the money. Utility companies only have XXXX grace period before scheduling disconnection. Wells Fargo admitted to this faults but refusing to reimburse me for all the expenses this issue has caused. I was asked to submit all invoices which I submitted the ones am able to find. I am asking that Wells Fargo reimburse me for the receipts submitted which is a small fraction of the expense that I incurred. Sincerely, 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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am a victim of Identity theft and my personal information was used without my permission to make unauthorized transactions, obtain loans, car loans, credit cards and inquiries with all three credit bureaus. I did not authorize these accounts and I did not authorize these inquiries. Additionally a XXXX XXXX bankruptcy has been placed on my fi le without my authorization. XXXX is the reference number for the bankruptcy. I am requesting a full investigation and that all fraudulent items and inquiries be removed from my credit report. I declare under penalty and perjury that this information is true and correct to the best of my knowledge. Credit Card Opened by the Thief Company or Organization : XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$500.00} Private Student Loans Company or Organization : XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2000.00} Fraudulent Charges to My Credit Card Company or Organization : XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$700.00} Fraudulent Auto Loan or Lease Company or Organization : CNS Portfolio XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$26000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WA

Complaint narrative:
Son created a Cash App account less than a month ago. Received {$230.00} to that account. Since that deposit weve been unable to access the account for no reason at all. I spent XXXX on the phone with Cash App, as I am the parent/sponsor on his account. I was told to create a new account for my son and they would be able to transfer his balance to the new account. After creating new emails ( XXXX ), and new Cash App account per Cash App customer service supervisor ( XXXX ), they werent able to do anything, but say unfortunately, this account is unable to be accessed and we are not about to transfer the funds. So the {$230.00} will sit there. Im incredibly frustrated because we dont understand why he was unable to no longer access his Cash App, and retrieve his money, with the assistance of Cash App customer services supervisor. Im not walking away and leaving {$230.00} sitting with an account we can not access. There is no reason or explanation for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please remove fraudulent accounts from my credit report

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am filing this complaint against Santander Consumer USA for continuing to report inaccurate, misleading, obsolete, and unverifiable information on my consumer credit reports in violation of federal law. The account in question was reportedly opened in XXXX and closed in XXXX, paid in full. Despite the age of the account and repeated disputes submitted to the furnisher and consumer reporting agencies, Santander continues furnishing damaging derogatory information without proper validation or lawful verification. Santander Consumer USA has failed to comply with its obligations under : 15 U.S.C. 1681s-2 ( b ) ( FCRA Section 623 ) ; 15 U.S.C. 1681e ( b ) ; 15 U.S.C. 1681i ; 15 U.S.C. 1681n and 1681o ( Sections 616617 ). After multiple disputes, Santander has still failed to provide : Original signed agreement; Full transactional and payment history ; Competent evidence validating the reporting ; Method of Verification documentation ; Proof of lawful investigation procedures. Instead, the company continues furnishing harmful information that is inaccurate, misleading, unfair, and unverifiable. I further assert that the continued reporting of this aged account conflicts with New York consumer protection principles regarding stale debt practices and unfair reporting conduct. The reporting creates the deceptive appearance of an enforceable and actively harmful obligation years after closure of the account. I also invoke the principles and consumer protections associated with the Predatory Lending Elimination Act ( S.3549 ), which addresses predatory and abusive financial conduct, including unfair credit reporting behavior that disproportionately harms consumers. Santanders conduct demonstrates willful and negligent noncompliance with federal law and has caused ongoing financial harm, including damage to my credit profile and lending opportunities. Requested Resolution I respectfully request that the CFPB require Santander Consumer USA to : Immediately delete this account from all consumer reporting agencies ; Cease furnishing inaccurate or misleading information ; Provide complete Method of Verification documentation ; Correct or remove all derogatory reporting associated with this account ; Conduct a lawful and documented reinvestigation compliant with the FCRA. If Santander can not produce competent evidence validating every aspect of this reporting, federal law requires permanent deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding illegal duplicate reporting and account re-aging. XXXX XXXX XXXX is actively reporting a collection account ( Account ending in XXXX ) for an original Capital One debt of {$740.00}, claiming a " Date Opened '' of XX/XX/year>. However, another debt buyer, LVNV Funding LLC, is simultaneously reporting a collection for the exact same original Capital One debt ( Account ending in XXXX ). It is legally impossible for XXXX separate junk debt buyers to own, collect on, and report the exact same debt at the same time. Additionally, Portfolio Recovery is illegally re-aging this debt by using a XXXX " Date Opened '' to mask the true Date of First Delinquency from years ago, artificially extending the legal XXXX reporting window. Because this is an inaccurate, duplicate, and re-aged trade line, I request that XXXX XXXX immediately delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: TX

Complaint narrative:
I am filing a complaint regarding Klarna and a system error that resulted in charges being reapplied to previous purchases on my account. My primary concern is that Klarna appeared to already be aware of the issue, yet failed to proactively notify customers or automatically correct the improper charges. I only discovered the issue after reviewing my account myself and contacting customer support directly. Consumers should not be responsible for identifying and correcting billing errors caused by a financial service providers system failures. Had I not monitored my account carefully, these charges may have remained unresolved. This raises concerns regarding : * Billing accuracy * Transparency with customers * Failure to proactively address known errors * Customer financial protection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Klarna AB
State: IN

Complaint narrative:
This is about another complaint I filed XXXX company response is not relevant to complaint company can request more time but my provisional credit is to be issued while investigating and timeframe to issue it is far overdue therefore I want my provisional credit while investigation is ongoing like regulations state and their own policy states which even shows in the screenshots I provided in complaint XXXX I do not understand how cpfb is not pushing this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX purchased appliances from XXXXXX/XX/XXXXwith delivery delayed from manufacturer for XXXX months. Financing was fromXX/XX/XXXXBank. Billing began with first installment due in XX/XX/XXXX. Payments of {$1000.00} were sent for XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of {$3000.00}. On XX/XX/XXXX went to check on the status of my order to discover XXXX went bankrupt. I contacted XX/XX/XXXX Bank and was told I had to initiate a dispute on the account. I did. Was told I was not responsible for payments during the dispute which could take up toXX/XX/XXXX days. I stopped payment on the XXXX payment which I had already mailed. In XXXX I received a statement showing a charge of {$30.00} for returned payment and {$1.00} for a paper statement. On XX/XX/XXXX received notice of a temporary credit of {$2900.00}. Check not sent. Received a XXXX statement confirming the amount, but no refund received. XX/XX/XXXX calledXX/XX/XXXX Bank to question the {$31.00} fee and was told I was not due a refund but I could initiate another XX/XX/XXXX day dispute. It is my understanding that XX/XX/XXXX Bank should NOT have sent me billings and I was not obligated to pay for goods not delivered. I should not have to wait months and make numerous phone calls to get my money back from a company who should not have billed in the first place.

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I transferred {$18000.00} on XX/XX/scrub> 2026 from my Wells Fargo checking to a scammer after much coercion. The scammer was masquerading as a woman XXXX XXXX and I became romantically involved with her. I also attempted to transfer another {$12000.00} from my XXXX IRA account, but they were excellent, stopped the transaction, and called me to explain how scammers work. Then I immediately contacted Wells Fargo Bank to file a fraud claim, and assumed they would stop the transaction. The transfer was from my Wells Fargo account to the recipients Wells Fargo account, which should have made it easier to stop or reverse the transfer. Even if they couldnt stop the transfer, they should have frozen the recipients account and stopped them from withdrawing any funds. I fully expected to get my money back but WF took XXXX days to respond with a letter saying the transaction was completed and there was nothing they could do! The scammer later told me they never received the transfer, and posted a copy of their bank statement to show me. Of course this was a XXXX but I also observed that they withdrew all my money in {$1000.00} to {$2500.00} increments over the next few days. There were also multiple payments to XXXX XXXX XXXX site. They likely closed that account after all the withdrawals.

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