vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: GA

Complaint narrative:
MoneyLion is illegally withholding my funds ( $ XXXX ) by demanding a Letter of Indemnity , a document my commercial bank ( XXXX XXXX ) explicitly states they do not issue to retail consumers. MoneyLion is using this impossible requirement as a stalling tactic to refuse to close my account and withhold my balance. They are effectively trapping my money. Ive spoken to both XXXX XXXX in person and on the phone they told me to my face they dont issue XXXX XXXX XXXX XXXX customers anymore. I told money lion this they kept repeating the same thing saying without that they cant even close my account nor can they unlock it which is trapping my money because they know if they close it they will be forced to send the money. I need help this is fraud!!

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 2026-06-22 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: MD

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, SS Card.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I wrote a check # XXXX payable to United States Treasure in the amount of {$45000.00} and sent it via USPS to IRS On XX/XX/year>, the check was cashed On XX/XX/year>, we received a notice dated XX/XX/year> from IRS indicating that they did not receive our payment and therefore added penalty and interest. We looked at the image of the check on Wells Fargo online banking and saw that the original check was washed and altered On XX/XX/XXXX, we contacted the bank asking to investigate the XXXX and return the funds We received a letter dated XX/XX/year> from Wells Fargo informing us that they can not reimburse us because over XXXX days passed before we contacted them about the XXXX We escalated twice and on XX/XX/XXXX and XX/XX/XXXX received emails from Wells Fargo confirming denial of our claim for the same reason It is our position that the bank failed to exercise ordinary care under UCC 4-406 by honoring a physically or digitally altered check.

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 2026-06-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NEXBANK CAPITAL, INC.
State: CA

Complaint narrative:
I have two mature CDs at Nexbank. The money has been sitting at Nexbank for months since my initial request for Nexbank to electronically send my funds to XXXX I initiated a transfer which was accepted by XXXX and deposited into my account. Nexbank retrieved my money and had it withdrawn in from XXXX. The Cd accounts are closed and I am not earning interest. XXXX response has been to deny access to my CDs and freeze my accounts.

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 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I had 2 charges I did not make on My CitiCard I reported and it was taken care of BUT i looked on FB under citicard and there have been MANY complaints of people having their account hacked Also you can NOT understand the people who answer the phone I had to hope my case was taken care of as I could barely understand what she was doing This is also a common 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 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My identity was stolen. I never had this account at all. The chargers is fraud for XXXX. I want it deleted from all credit accounts

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: RI

Complaint narrative:
There are 2 cards XXXX XXXX XXXXXXXX charging me an annual fee of {$49.00} and as of XX/XX/year> they are both charging me a XXXX monthly maintenance fee. I asked them to email me the agreement and have not received it. They are taking advantage of consumers with not so great credit and charging up to XXXX dollars a year to have there credit cards. With these fees it is making my credit limit go over causing my credit score to go down. There predatory lenders and it appears they are double billing. Can someone please investigate this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Scammer told me he was from Wells Fargo and that he was investigating Fraudent Activity on my account. He asked that I send him almost {$3600.00} to ensure that the fraudulent activity was blocked. Scammer was XXXX XXXX from Wells Fargo.

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 2026-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for and received a a Premium rewards Visa credit card from Bank of America before a planned vacation to XXXX. I chose this card because the marketing for the card stated that it offered " travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays, lost luggage and emergency evacuation and transportation ''. I used the card to reserve hotel stays in XXXX. Due my flight to XXXX being abruptly cancelled, I was forced to cancel my hotel reservations, which were non-refundable. When I attempted to file a claim for my losses I was advised that the card did not cover cancellations for hotels.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-06-22 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: TX

Complaint narrative:
Purchase date XX/XX/year> Amount {$280.00} merchant : XXXX Tracking number XXXX On XX/XX/year>, I used my Wells Fargo debit card to purchase XXXX Full Cast Coike fishing lures from XXXX for {$280.00}. I never received any merchandise from this purchase. After the expected delivery date passed, I filed a dispute with Wells Fargo for merchandise not received. The merchant provided tracking number XXXX through a carrier called XXXX XXXX. ( www.westwardlogistics.com ) Wells Fargo denied my claim on XX/XX/year>, based on the tracking information showing " Delivered '' I dispute Wells Fargo 's decision because i never received the merchandise. Wells Fargo has not provided proof that the package was delivered to my exact address nor have they provided the delivery address, package weight, signature confirmation, or other evidence linking the shipment to me. I requested additional review and was informed that the claim could not be re opened. I am requesting that Wells Fargo investigate whether the racking information actually corresponds to delivery at my address ad reconsider the denial of my dispute.

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 2026-06-22 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 ITEMS 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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My personal information has been exposed through data breaches and unauthorized third-party access. As a result, my credit report contains student loan tradelines, collection accounts, charge-offs, negative payment history, and hard inquiries that are connected to or affected by this compromised identity profile.

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 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello.. I transferred ( wired ) money from XXXX XXXX to XXXX via Citi Bank. The amount was wired on XX/XX/XXXX The amount was {>= $XXXX} The wire transaction # was XXXX Payment date given as XX/XX/XXXX. Some other Approval # is XXXX I called XXXX on XXXX. They have access to the Citi Bank portal for wires. I gave them the transaction # and the amount and XXXX said there was no transaction they could fine. I called Citi Bank which was the intermediary bank forwarding the wire. The transaction # was not in their file. I spoke to many Citi Bank employees about this. How can there be a Transaction # for the wire and then when you try to follow up they say the transaction # was not in any of their systems. This money was missing for a week and all 3 financial institutions could not find the wire. Just today XX/XX/XXXX the money was returned from Citi back to XXXX XXXX. I honestly thought this money was missing for good. I had all the trassaction and approval # 's and could get no assistance. Please let me know some details as to what happened if you find out. These banks need to always know where a clients money is.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2026, I submitted payment in full of the remaining balance on card ending in XXXX. Citi however fraudulently withheld an interest charge accrued for the month of XXXX of {$16.00} from the total. The balance has been completely paid off, but now Citi are trying to charge that same {$16.00} interest ( XXXX a {$.00} late fee ) for the month of XXXX despite there being no other outstanding debt on the 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 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding 32-Day Account Restriction, Missed Payment, and Credit Damage I am filing a formal complaint regarding the restriction placed on my Golden 1 Credit Union account . My account was restricted/under review for approximately 32 days beginning around XX/XX/year>. During this period, I was unable to access my funds despite making multiple attempts to contact Golden 1 and obtain assistance. I repeatedly requested a written explanation for the restriction but was never provided one. At the time my account was restricted, I had a credit card minimum payment of {$230.00} due on XX/XX/year>. Because I was unable to access my funds during the restriction period, I could not make the required payment. As a result, my account became past due, a late fee was assessed, additional interest charges were added, and my minimum payment increased to {$400.00}. Since this incident, my credit score has dropped significantly and I have received multiple negative credit alerts. This has caused financial hardship and may affect my ability to obtain credit in the future. I respectfully request : 1. A complete written explanation for the 32-day account restriction. 2. Reimbursement or removal of any late fees, penalty charges, and additional interest caused by the restriction. 3. A review and correction of any negative credit reporting associated with the missed payment that occurred while my funds were inaccessible. 4. A written response explaining the outcome of this investigation. I have attached supporting documentation, including account restriction notifications, credit card statements, and evidence of the resulting credit score impact. Thank you for your prompt attention to this matter. Sincerely,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank BLOCKED me from my account for months. I finally was able to get online access and to bank statements-I found {$1900.00} in XXXX. I found the following FRAUD. I am OWED {$1900.00} : Citibank XXXX XX/XX/XXXX XXXX {$4.00} 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 Best Buy 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 XXXX XX/XX/XXXX XXXX XXXX TOTAL : {$1900.00}

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 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, at about XXXX I attempted to pay my mortgage on line, by transferring my direct deposit pay from checking to savings. I discovered that there was money missing from both my checking and my daughters custodial checking account. A total of {$6700.00}. Both transfers were made without our knowledge or permission. I immediately called Citibank Fraud Department to report theft, made the same complaint at the office on the XXXX, and filed a Police report at XXXX XXXX XXXX PD. On XX/XX/XXXX, my banker called to get an update and was informed the case for both transfers was closed with no further action. No explanaition. She reopened the cases and on XX/XX/XXXX I received denial letters on both. I immediately filed an appeal on the phone with a rep from the email : XXXX, the Citibank Fraud Departments wire office. I was told resolution in 7-10 days. We called today XX/XX/XXXX and we're informed the case had been closed again. No explanaition. We requested an investigation and follow up with reporting facts concerning authorization.

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 2026-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have two derogatory remarks on my credit report that are fraudulent and I would like removed ASAP. These are not my accounts. The first one is from Credit Collections with an amount of {$180.00} and the other is from XXXX XXXX XXXX with an Amount of {$91.00}. Please remove these as these are fraudulent, not authorized by me and is negatively impacting my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have opened a checking account with US Bank in XXXX with monthly direct deposite going into my account from my work, so the monthly maintenance fee would be waived, so the monthly fee of {$24.00} was being waived every month since then. However, on XX/XX/XXXX I noticed that they had been charging me monthly maintenance fee since XX/XX/XXXX because I no longer meet the " criteria '' to waive the monthly fee. One of their criteria was that I must have at least {$25000.00} in balance or deposits ... however, when I opened the account, the criteria was if I have a direct deposit then there will be no monthly fee. When I was talking to the customer service they waived only XXXX and XX/XX/XXXX fee, but refused to refund the previous months all the way to XX/XX/XXXX. They explained that they can't refund the previous months except the last two months and can't do anything about. I explained to them that I wasn't aware of this monthly fee until few days ago and that I was being charged behind my back without me knowing. They also told me that my account was updated to this and that is why the limit is {$25000.00}, so I responded that I am not aware of this update and I don't accept it, so they responded that I agreed to the terms when I opened the account seven years ago. I mentioned that now I know of the monthly fee it will be fair to be charged in the coming months, but not the previous months. Overall, the charged me a total of {$270.00} without me knowing and only refunded {$49.00}.

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