vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
b'I have a secured credit visa card with XXXX bank/Elan Financial services. My initial deposit was $XXXX. Over the last year, my card was used for unauthorized transactions and my card is over the limit by XXXX. XXXX /Elan closed my account in XXXX XXXX XXXX and per their terms they were supposed to take my initial $XXXX deposit and credit it toward the balance, which they have not. I have attempted to contact XXXX/elan 5 times to rectify this issue and each time i was told that the transfer should take less than 30 days from closure date, which it has not. When promised that i would get a confirmation call back, it never happens. In all this time, this has affected my credit and i have been charged large interest fees and an increased monthly payment that should have never happened. The account in question ends in XXXX (full card info, XXXX) Additional unauthorized transactions are\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX fraudulent wire transfers from Citibank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars Citibank denied my claim XX/XX/year> and on XX/XX/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 2026-06-21 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: AL

Complaint narrative:
On XX/XX/year>, a criminal utilized advanced Caller ID Spoofing technology to mimic Wells Fargo 's official customer service phone number : XXXX ( XXXX ) XXXX. The fraudster held me captive on an incoming call for 45 minutes ( XXXX XXXX to XXXX XXXX ). Acting under the deceptive authority of my financial institution, the scammer forced me to open my mobile wallet, compromised my account security, and linked an unauthorized XXXX XXXX XXXX card ending in XXXX to my XXXX XXXX profile.At XXXX XXXX, the criminal executed an unauthorized pull of {$1700.00} from my linked Wells Fargo Visa XXXX card ending in XXXX, and instantly cashed out the funds to the XXXX XXXX XXXX . I did not authorize, execute, or benefit from this transfer. My Wells Fargo account is now severely overdrawn by $ XXXX.Wells Fargo 's fraud department summarily denied my claim, labeling it " authorized. '' I am currently traveling in XXXX and am operationally unable to place standard international calls to resolve this with Wells Fargo directly. Per clear CFPB official guidance, account access or credentials obtained via a bank-imposter scam do not constitute consumer authorization under Regulation E. XXXX XXXX XXXX Complaints Support division has officially opened a formal investigation into this account takeover event under case number XXXX. I demand an immediate executive re-investigation, a reversal of the {$1700.00} unauthorized charge, and a full waiver of all associated overdraft fees.

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 2026-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARM Professional Services LLC
State: OH

Complaint narrative:
They stated they were unable to verify the reported communication with the property management company to verify my amount owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nSubject: Request for Account Blocking and Deletion Due to Data Breach \n\nDear TransUnion, \nI am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2(a) \n\nAccounts in Question: \n \n1.) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\n\n\n\nThis request is made in accordance with several provisions of the Fair Credit Reporting Act (FCRA): \n\n1. 15 USC 1681c-2(a): This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. \n2. 15 USC 1681i: Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. \n3. 15 USC 1681e(b): This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. \n4. 15 USC 1681g(a): I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. \n5. 15 USC 1681m: As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. \n6. 15 USC 1681n: I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. \n\nPlease confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. \n\nAdditionally, I would appreciate an update on any measures you are implementing to protect my personal information. \n\nThank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! \n'

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 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
XX/XX/XXXX Opened Checking At XXXX XXXX, XXXX Wyoming : Only three employees. One employee teller/drive through. Two employees working at desk on computer, waited 10 minutes and asked to open account. Told needed an appointment to open account. Told No temporary checks, no temporary debit card and only open secured check by text link. Told could not access deposited monies in seven days. Received email, after two days, some funds available. Went to bank, told still have to wait seven days and again no temp debit card, by XXXX. Went to Supervisor, XXXX, obtained temporary debit card. Went to teller, obtained monies from my account. Temporary debit card did not have my name corrects. Request update. Employee annoyed. Asked to set up debit card pin. XXXX sent me outside, around building to use drive through ATM. Set up XXXX credit card via text. Followed up via XXXX number, connected to third party company who advised the account was closed because they could not verify my information with US Bank, XXXX, WY and to contact local bank. Contacted local bank by phone, XXXX, no response. Emailed XXXX with explanation, no response. Emailed follow up to XXXX and had to explain the situation again. XXXX resolved the issue that deposit was never withdrawn, account closed and sent a new secured debit card link to apply again. Applied, second time secured debit card, approved again. Received card in mail and activated. Went to make purchase and card declined. Called XXXX number and my checking and secured credit card were on hold and then closed. Received letter in mail that my accounts were closed with form letter explanation, no specific details. I feel due to the XXXX XXXX, WY branch being under staffed and me having nothing but problems with my accounts since the moment I walked in the door, that it was my fault my accounts were closed. Also, US Bank now refusing to return money. .I had issues and was blamed for having issues. Please call me 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 2026-06-21 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
JetBlue Barclays initiated a payment to a XXXX XXXX credit card for {$3000.00} but the credit card account was closed and the payment was rejected. XXXX, JetBlue is saying that they made the payment and XXXX is saying theyve rejected the payment and Im not getting my money back from either bank. I have called numerous times and nobody will help me. This was in XXXX XXXX XXXX. The account they paid was totally closed with {$0.00} balance.

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 2026-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Account Blocking and Deletion Due to Data Breach XXXXDear Experian, XXXXI am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2(a) XXXXAccounts in Question: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis request is made in accordance with several provisions of the Fair Credit Reporting Act (FCRA): XXXX1. 15 USC 1681c-2(a): This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. XXXX2. 15 USC 1681i: Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. XXXX3. 15 USC 1681e(b): This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. XXXX4. 15 USC 1681g(a): I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. XXXX5. 15 USC 1681m: As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX6. 15 USC 1681n: I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. \n\nPlease confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. XXXXAdditionally, I would appreciate an update on any measures you are implementing to protect my personal information. XXXXThank you for your prompt attention to this matter. I look forward to your immediate response in XXXX days! '

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 2026-06-21 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: NY

Complaint narrative:
Im filling a complaint against citi bank due to the fact that I only recieved a close out disbursement check from my savings account i been trying to get this resolved for the past few months and still no solution I had my money in checkings account and also my savings account, the onky thing i recieved was my money from my savings account and till this date they have not sent me my closeout disbursement check for my checkings account that I been waiting for a very long time i just want my funds immediately some way somehow and I want them to show proof that there is money in my account pdf in statement form or etc. I need proof that there is supposibly no money in my account but im going of on what he say and she say they keep bouncing me around till this date when I speak to their fraud department and regular employees but I have not gotten no solution till this date I knkw there money in my checkings account becouse becluse my account got closed with my debit card also I had around almost to {$1000.00} and till this date is either im taking this to small claims court due to the fact that citi bank is hurting me mentally, physically with financial well being problems and is hurting me by staying behind on rent and bills that I need to pay which can lead to me being out of electricity, being kicked out out my apartment for not paying my rent, paying food that can lead to my family starving, paying for my sons medication which he can die from and if he does that woukd be a big lawsuit that I would take to the court die to the fact that citibank took its time of not giving me my hard earned money in my checking 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 2026-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a letter dated XX/XX/year> from US Bank That someone had tried to fraudulently open a savings and checking account in my name.

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 2026-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: OH

Complaint narrative:
On XXXX XXXX XXXX, I sent a formal written cancellation to Uprova Credit LLC rejecting a loan application before any funds were disbursed. Uprova ignored my cancellation and forced a {$500.00} deposit into my account, which was immediately absorbed by a bank overdraft. Uprova is now illegally attempting to hold me to an invalid contract and extort {$640.00} in interest charges from me despite my explicit, timely revocation of consent.

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 2026-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, Shellpoint Mortgage Servicing company continues to misapply mortgage payments or apply late deliberately. On the back of the payment coupon it notes an " unpaid balance for the current month and the previous month, which is extremely misleading. Quite naturally the current month would not be paid as it is the current month and typically shows the prior month as unpaid. I have supplied the last six months payments and tracking and this has been an ongoing issue upon the change from XXXX to Shellpoint and heightened during the global coronavirus crisis. Additionally, for the last few years Shellpoint has reported misleading information to the credit bureau agencies about payments that were received and my credit score is directly impacted because of Shellpoint 's lack of timely processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Claim number : XXXX XXXX XXXX, when I renew my CD on my mobile app, I found my another CD was closed. I reported to their XXXX XXXX branch, they told me some one in XXXX XXXXXXXX XXXX closed my CD accounts with penalty, the banker help me opened a new checking /saving account Since XXXX branch manager in vacation. XXXX XXXX branch manager help me to send police report, after some time, bank denied fraud. No investigation report provided. I asked XXXX branch manager for help ( close to my home ), she helped to called and send my signed statement of unauthorized use in case of forgery, alteration, counterfeit or unauthorized remotely created check form, until today, no reply yet. The bank not only did not protect my CD, but also not take prompt action to help me, their call center offshore, dont know how far away from XXXX to XXXX XXXX made false report ( they never called me, but they made false statements for me ), 3 months passed, I dont understand why this very truth they dont understand and did not recovered my CD

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 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Complaint Regarding Citibank Fraud Claim Denial Without Sufficient Explanation I am filing this complaint regarding Citibanks handling of my fraud claim and the denial of my claim without providing a clear explanation or supporting evidence. My dispute involves a {$2500.00} cash withdrawal posted on XX/XX/year> from my Citibank checking account ending in XXXX. I did not authorize this transaction and was not present at the branch where the withdrawal occurred. The issue began when I received an email notification stating that a new Citibank card had been issued and mailed. I did not request a new card, so I immediately contacted Citibank through online chat. The representative stated it may have been an error and assisted with canceling the request. Shortly afterward, I noticed a {$2500.00} withdrawal from my checking account that I did not recognize. I immediately contacted Citibank through online chat and was instructed to call by phone. I reported the transaction to Citibank immediately. At the time of the transaction, I was at home and not at any Citibank location. I went to the XXXX Police Department and filed a police report. The report number is XXXX. While at the police department, I contacted Citibank again and was informed that the withdrawal occurred at the XXXX branch. I completed and submitted the required fraud claim documentation promptly. Citibank later denied my claim, stating only that their review determined the transaction was not fraudulent. However, Citibank did not provide the specific reason for the denial, the evidence reviewed, or any documentation showing how this withdrawal was authorized. This was a branch cash withdrawal, not an ATM transaction, and I do not understand how this withdrawal could have occurred without my authorization. I am requesting that Citibank conduct a proper secondary review and provide : The investigation findings The evidence relied upon for the denial Branch transaction records Identity verification records Any authorization documents used I have been a Citibank checking account customer for approximately 18 years, and this incident significantly impacted my trust and confidence in the security of my account. My husband and I had to close the long-standing checking account and open the new account because of this security concern. I am requesting CFPBs assistance in ensuring Citibank provides a complete investigation and a clear explanation of its decision.

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 2026-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I am a Florida consumer filing a complaint regarding Uprova Credit , LLC. According to my loan agreement, I borrowed {$400.00}. The agreement states that I would be required to repay a total of {$1500.00}, including finance charges of {$1100.00}, with an APR of 540.26 %. Since obtaining this loan, I have paid approximately {$680.00} toward the account. This amount exceeds the original principal borrowed by {$280.00}. Despite this, Uprova currently claims that I still owe approximately {$770.00}. I dispute the remaining balance. I have already repaid substantially more than the amount borrowed, and the remaining balance appears to consist primarily of excessive interest and finance charges rather than unpaid principal. I believe the loan 's terms are unfair, excessive, and predatory. The cost of credit is grossly disproportionate to the amount borrowed. I am also concerned that the lender relies on tribal law provisions and arbitration requirements that may limit consumers ' ability to challenge the debt.

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