vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
I had a transaction from Acima leasing where somebody took over my Acima Account. I asked for the information regarding what and who made the charges. Unable to get that information or regain access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I sent a certified letter with return receipt to National Credit System asking for verification of a debt that I first noticed while checking my credit report. It was received on XX/XX/year> although no one signed their name to the return receipt. I did not receive any verification from that company. I sent another certified letter with return receipt on XX/XX/year> to a different address, as listed on. I have not received a return receipt. Of note, I sent the first letter to the address that was listed on my credit report, which was XXXX XXXX XXXX XXXX GA XXXX. For the second letter, there was a different address listed for this company on Transunion credit report -- XXXX XXXX XXXX XXXX XXXX, GA XXXX. This address remains today. I sent the 2nd letter to this address and I have not received a return receipt. On my XXXX report, there is a different address for this company for the same date -- XXXX XXXX XXXX XXXX XXXX GA XXXX. The account for XXXX was updated on XX/XX/year> with the XXXX XXXX XXXX XXXX address as the contact address. The account with XXXX and XXXX was listed on XX/XX/year> with the XXXX XXXX XXXX XXXX address. This is suspicious. Why is this company listing different addresses in less than one week for the same account? Why was a XXXX XXXX listed 2 months ago? Is this company trying to avoid people asking questions or attempting to hold them accountable? Please investigate this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>XXXX I sent a XXXX through my Capital One checking account to a close friend, for a total of {$1500.00}. The transaction became pending and claimed it would be cleared on or around XX/XX/year>. On XX/XX/year>XXXX the transaction status changed to 'sent ' however, the funds were not received by the recipient, but they were taken from my checking account. We waited a few days and nothing changed so we became concerned and opened a claim with Capital One. They claimed nothing can be done and closed the claim, and we have tried to call multiple times and have not had a resolution, and the money is nowhere to be found. I have checked with the recipient and confirmed the contact information many times, and he as well has contacted his bank. I seperately sent this same recipient {$1.00} and he received that with no issues!!! Between this time Capital One claimed they sent multiple emails, but I received 0 emails regarding the dispute, but I received every regular email about my account. The customer service department is extremely unprofessional, does not provide any type of resolution or investigative information as to what happened, just continued to stone wall, and transfer from one incompetent representative to the next. I have wasted more than 5 hours on the phone with them. I keep getting transferred to XXXX a supervisor who becomes extremely hostile and I feel is now taking me as a joke. To say I am extremely disappointed, angry and frustrated is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had a checking account with Wells Fargo for the last 4 years and the terms were to maintain {$500.00} minimum balance- All of a sudden the terms were changed in XX/XX/XXXX and I was charged {$15.00} fee despite maintaining the XXXX XXXX monthly minimum balance- upon probing further it was identified that wells fargo now needs to maintain minimum of $ XXXX and no grace period to meet the new requirement was provided. The new terms also mentioned fee could be waived if {$500.00} of qualifying deposit can be done every month which is exactly what I did on XX/XX/XXXX and XX/XX/XXXX still the monthly fee of {$15.00} was charged. the electronic deposit is just mentioned as electronic deposit and no qualifying condition- but the bank representatives are mentioning it needs to be a direct deposit- attached is the image of the terms and conditions from banks page which are directly linked to my account. Two problems : monthly service fee can not be randomly increased unilaterally without getting any confirmation from user and there should be a grace period provided or option to close the account. Spoke with XXXX ( Escalations Representative on XX/XX/XXXX ) and was cited it has to be a direct deposit but the account statement and terms and conditions do not mention any of that.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I sold my vehicle to XXXX on XXXX XXXX, 2026, at which time the vehicle was taken into their possession. The check issued by XXXX was deposited on XX/XX/2026, but was voided on XX/XX/2026 due to a clerical error on XXXX end involving an invoice issue. I received a replacement check for {$8100.00} from XXXX and deposited it on XXXX XXXX, 2026 at Truist. At the time of deposit, the teller placed the check into my secured line of credit account rather than my intended account. On XXXX XXXX, 2026, my entire account relationship with Truist was closed, and all funds across my checking, savings, and secured credit accounts were frozen without prior notice. In multiple conversations with customer service representatives and in-branch staff between XX/XX/XXXX and XX/XX/XXXX, I was led to believe that the deposit into the secured line of credit account may have triggered the fraud review. However, a branch manager later stated that the account closure may instead be related to this being a second check from XXXX. I have not been provided with a clear or consistent explanation for this closure. On XX/XX/2026, I was informed that my existing account balances ( checking, savings, and secured credit funds ) were approved for release and would be mailed via check on XX/XX/2026. I ultimately received those funds on or around XXXX XXXX, 2026. However, the {$8100.00} check remains withheld. On XXXX XXXX, 2026, a three-way call took place between myself, a Truist escalations supervisor, and a XXXX representative. During that call, Truist stated that it does not verify check validity directly with the issuing institution and instead required XXXX to provide formal written verification. On XXXX XXXX, 2026, XXXX provided a formal letter confirming that the {$8100.00} check was valid and issued to me as payment for my vehicle. Truist has confirmed receipt of this documentation. Despite this, as of XXXX XXXX, 2026 and continuing to present, I have received no updates, no timeline for release of funds, and no confirmation as to whether the check has cleared. Each inquiry results in being told that notes are being added, but no substantive progress or communication has been provided. This has resulted in my funds being held for over one month without resolution, despite the requested verification being provided. Additionally, the lack of access to these funds has directly impacted my ability to replace my vehicle and get to work, as well as manage my basic financial obligations.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I started the process to refinance my vehicle with another lender to save money. I contacted my local office on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX to get an acceptable payoff letter. The letters that are being provided are not acceptable to any of the 3 lenders that I was working with as they are not in an industry accepted format. The payoff letters do not contain the following information : vehicle information including VIN, per diem, address to send the payoff check to, ach information if any, information to be include on the payoff check, information for the company including name, address and phone number, pay to the order of. The branch is stating that they are not able to comply with this. I contacted the corporate office on XX/XX/XXXX and was told that I would get an urgent call back, but at this time, I have not received a call back. I have always had a positive experience with the local branch so I am disappointed that I am having this experience now. This refinance would save me in excess of {$200.00} per month. Additionally, I will now occur a late fee since I have been working on this for XXXX weeks. I believe that the failure to provide an industry acceptable payoff may be a violation of TILA. Perhaps the company is doing this to force you to remain with them and not payoff the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I enrolled in a debt settlement program with XXXX XXXX XXXX on or around XX/XX/XXXX, to resolve an account originally owed to XXXX XXXX XXXX XXXX XXXX. Between XX/XX/XXXXXXXX and XX/XX/XXXX, multiple payments were made toward settlement of this account through XXXX XXXX XXXX. The final payment was made on or around XX/XX/XXXX, at which point the account was paid in full. XXXX XXXX XXXX has provided documentation confirming that the XXXX XXXX account was settled for approximately {$2300.00} and is marked as " Paid in Full. '' Additionally, I completed the entire debt settlement program on XX/XX/XXXX, and received a formal confirmation dated XX/XX/XXXX, stating that all enrolled debts have been resolved. Despite this, National Credit Adjusters continues to report a collection account related to this debt on my credit report. On multiple occasions, I contacted National Credit Adjusters regarding this issue and was directed to contact XXXX XXXX XXXX. When I contacted XXXX XXXX XXXX, they confirmed the account was settled and paid in full. I was then referred back to National Credit Adjusters without resolution. I also attempted to contact the original creditor, XXXX XXXX, and was informed that the account was no longer with them. On or around [ insert your dispute date ], I disputed this account with XXXX and submitted documentation showing the debt was paid in full. However, the collection account remains on my credit report without correction. At this point, all available documentation confirms that this debt has been satisfied, yet National Credit Adjusters continues to report it as a collection. I am requesting an immediate investigation and deletion of this account, as it is no longer valid and is being inaccurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates regarding account ending in XXXX XXXXXXXX. This company is reporting a collection account on my credit report that I dispute and have requested validation for. I have formally requested that they cease and desist all communication and provide proper validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). As of this complaint, they have failed to provide sufficient documentation verifying that this debt is mine, including a signed agreement or full account history. I am requesting that this account be fully investigated and removed from my credit report if it can not be properly validated. Additionally, I request that Portfolio Recovery Associates cease all collection activity and comply fully with federal law. I am seeking resolution in the form of deletion of this account and confirmation that my rights are being respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
CitiBank/Best Buy has been withdrawing money from my checking account for approximately two years under BEST BUY XXXX : AUTO PYMT, even though I have no active Best Buy account. My XXXX credit report shows my Best Buy/CBNA account ( opened in XXXX ) was closed in XXXX with a {$0.00} balance, no activity since XXXX, and no XXXX purchases or balances. No delinquency or late payments exist. Despite this, CitiBank/Best Buy withdrew approximately {$840.00} through unauthorized ACH autopayments. I did not activate any Best Buy card after XXXX, did not authorize autopay, did not make any Best Buy purchases in XXXX, and did not receive any statements, disclosures, or notices of account activity. No such account appears on my credit report. I requested documentation from CitiBank, including : card activation records, transaction receipts, IP/device/location information, store location, signed credit slip ( if instore ), and any statements or disclosures. CitiBank did not provide any evidence. CitiBank also closed a different CBNA account in XX/XX/XXXX and reported it as closed at consumers request, which is inaccurate. I did not request closure and received no notice or final statement. This situation appears to involve unauthorized ACH withdrawals, a hidden or misapplied internal account, false credit reporting, and failure to provide required disclosures. I am requesting that the CFPB investigate, require documentation of the alleged XXXX charge, refund the unauthorized withdrawals ( approximately {$840.00} ), correct the false reporting, and prevent any negative reporting or collection activity.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX. The last time I filed a complaint about Truist Bank not giving me back my money from XXXX, the verdict was ruled against me. I have proper evidence that XXXX took money from my checking account ending with XXXX when I was a member of Truist Bank at the time. The older ID of my complaint was XXXX. I have been looking and re-looked at my evidence several times. According to an old bank statement I still have from XX/XX/XXXX, I bought a XXXX XXXX XXXX game for {$35.00} and it appeared on my statement for XX/XX/XXXX. According to another old bank statement on XX/XX/XXXX, I bought a XXXX XXXX game and it costs {$54.00} and it appeared on my statement for XX/XX/XXXX. Those are accurate and I have the screenshots to prove those transactions. The transactions that XXXX complaining about that XXXX charged my account at the time are the following : XX/XX/XXXX for the amount of {$82.00}, XX/XX/XXXX for the amounts of {$23.00} and {$26.00}, and XX/XX/XXXX for the amount of {$25.00}. I only got {$10.00} back from Truist after they denied my claim. That doesnt make any sense. The bank statements and the transactions are not gon na lie. So Truist Bank owes me the rest of my money, and after that, they owe me an apology. If they fail to refund me the rest of my money, then Ill have to take them to court and Im sure the judge will look at all of the evidence and make them give me the rest of my money that's owed to me. Attached are the two bank statements. The highlights in green are the transactions that Ive made. The highlights in yellow are the transactions that I have not made. I also have attached the two transactions Ive made with XXXX back in XX/XX/XXXX and XX/XX/XXXX including an older transaction from XX/XX/XXXX from my XXXX account. So how come the other transactions from my account arent appearing on my account that I havent made? Please make it make sense. I spoke to XXXX from consumer finance back on XX/XX/XXXX. The I.D . is : XXXX. Attached are the XXXX screenshots compiled into XXXX and my XXXX bank statements. Thank you.

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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: AZ

Complaint narrative:
I am providing an update to my complaint. XXXX I sent a written debt validation request to Williams Rush & Associates and have not received any response or documentation validating this debt. Despite this, the account continues to be reported on my XXXX credit report and has recently been marked as verified and updated. No explanation or documentation has been provided to support this verification. This debt is disputed due to failure of services by XXXX. I paid a total of {$510.00}, returned the aligners, and never received replacement aligners or completed treatment. The continued reporting of this account without proper validation or investigation is inaccurate and causing harm. I am requesting immediate deletion of this account and written confirmation, as the debt has not been validated and can not be verified.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint as a follow-up to a previously closed CFPB complaint regarding my restricted account and funds. My funds have been restricted by BMO since XX/XX/year>. I have made multiple good-faith attempts to resolve this issue and have complied with all requests for identity verification. I provided a government-issued identification document as requested. However, the company responded that my documentation was insufficient without providing any specific explanation of what requirement was not met. I was also not provided with clear instructions or a method to securely submit additional documentation through the CFPB process or otherwise. Despite my cooperation, the company continues to withhold my funds without : A clear explanation of what identification is acceptable A defined process to submit documents Any timeline for resolution If my identity verification was sufficient to open the account, it is unreasonable that it is now being rejected without a detailed justification. I am requesting : 1. A specific explanation of why my submitted identification is considered insufficient 2. Clear instructions on what exact documentation is required and how to submit it XXXX. Prompt release of my funds upon compliance This ongoing restriction without clear guidance or resolution is causing financial hardship and appears to be an unreasonable delay. I have attached my government-issued identification and the requested bank statement to verify ownership of the external account. I request CFPB review due to the companys failure to provide a meaningful resolution in the prior complaint.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence resource management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number ( if known ) Dear Sir or Madam, I am writing in response to your contact regarding the above-referenced debt. Under my rights provided by the Fair Debt Collection Practices Act, I am requesting validation of this debt. Please provide the following : The amount of the debt, including any fees or interest The name and address of the original creditor Documentation showing that I agreed to this debt Proof that you are authorized to collect on this debt A copy of any judgment ( if applicable ) Until you provide proper validation, I request that you cease collection efforts and communication with me regarding this matter. If this debt is reported to any credit reporting agency, please note that it is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief