vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA Re : Dispute of Inaccurate Information under the FCRA To Whom It XXXX Concern, I am writing to dispute the following information in my credit file. I have reviewed my credit report and found inaccurate information that must be corrected or removed. 

Creditor Name : XXXX XXXX XXXX XXXX for dispute : [ Not my account / Incorrect balance / Paid in full / etc. ] Under the Fair Credit Reporting Act, you are required to investigate this matter. Please provide written confirmation of your investigation and the results. 

Sincerely, 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 explanation
Consumer complaint received 2026-01-08 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: CITIBANK, N.A.
State: WA

Complaint narrative:
I contacted Citibank ( XXXX XXXX XXXX ) to dispute only a fraudulent charge made by a third-party travel agency that improperly modified my flight. I explicitly instructed Citibank not to dispute the XXXX XXXX charge, which represented my valid airline ticket. 

Despite these instructions, Citibank incorrectly disputed valid XXXX XXXX transactions. As a direct result of this payment reversal, XXXX XXXX voided my confirmed return flight, leaving me without a return ticket shortly before travel. 

My original ticket included a return flight scheduled for XX/XX/year>, which was active and confirmed prior to the dispute. XXXX XXXX has since provided official ticket history confirming that the return segments were marked RF-REFUNDED ( voided ) and not flown. I did not cancel the ticket, and the airline did not cancel it for operational reasons. 

Because the cancellation occurred close to the travel date, I had no reasonable alternative and was forced to repurchase the return ticket at a cost of {$1100.00} USD. The only amount returned in connection with the original ticket was {$190.00}, which represented a fare adjustment and not the value of the return flight. 

I contacted Citibank customer service and the fraud/dispute department multiple times to request correction of the dispute error and reimbursement for the replacement ticket. I was told there was nothing they could do, and no resolution was provided. 

This financial loss occurred solely because Citibank disputed a valid airline charge against my instructions, causing the ticket to be voided.

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 2026-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a CD account and I was misinformed by the Branch XXXX that a hand signature is required to open a CD account which is not correct. Only a screen signature is required. Why was I misinformed and what did they use my hand signature for??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WI

Complaint narrative:
On XX/XX/XXXX I was notified that my loan service would be transferred from XXXX XXXX XXXX XXXX XXXX Heartland XXXX for servicing of my Federal XXXX XXXX XXXX start in XXXX. 

On XX/XX/XXXX, I tried to set-up an Auto-Pay payment using my credit card. I was returned an " unexpected error '' message. I paid a one-time payment to fulfill that month 's debt. 

In XXXX, I missed my payment. I was not notified that there was a payment approaching, nor that my payment was overdue. I realized this in XXXX when it dawned on me to pay this loan. Once again, I tried setting-up an XXXX and I encountered an " unexpected error ''. 

In XXXX, I remembered my payment. I tried setting-up an XXXX and I encountered an " unexpected error ''. 

In XXXX, I tried setting-up an XXXX and I encountered an " unexpected error ''. I called the service desk number and was greeted by their call center representative. When I asked about XXXX, they offered to set-up my account but immediately asked for my routing number for my checking account. I explained that I wanted to do a credit card and they said that they " couldn't accept credit card numbers over the phone ''. I pressed them on the website error and they told me that there were not " back-end '' issues and to try again in a few hours. I told them I've been trying for months and they did not care. They then hung up. 

My hunch is that they'd like to avoid dealing with credit card auto-payments for some reason and are being dishonest about why. I also believe that they are intentionally looking to collect late-fees and have made an effort to make setting up Auto-Pay difficult. 

The XXXX reviews for this company ( Heartland XXXX ) is littered with similar stories of unhelpful customer service and predatory financial practices. They should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I am filing a complaint regarding Westlake Financial Services and their handling of my auto loan during a temporary financial hardship. I have been financing my vehicle with Westlake since XX/XX/XXXX. I was laid off from my job in XX/XX/XXXX and contacted XXXX on XX/XX/XXXX to request an extension, payment arrangement, or temporary hardship accommodation because my XXXX payment is due XX/XX/XXXX and I start my new job XX/XX/XXXX. Due to payroll processing, I would not receive wages by XX/XX/XXXX. 

During my initial call, the representative informed me that no hardship accommodations or extensions were available, and that I had until XX/XX/XXXX to make the payment. I requested escalation to a supervisor as the proposed date was unrealistic given my employment timeline and would likely cause my account to overdraft due to auto-pay. I was placed on hold for approximately XXXX minutes and then the call disconnected. 

After being disconnected, I attempted to call Westlake back multiple times on XX/XX/XXXX. I navigated the phone tree, completed identity verification, and then the system refused to transfer me to a representative. Instead, the automated system repeatedly responded that it could not transfer me and directed me to the website. As a result, I was not able to reach a representative again to resolve the issue or discuss payment arrangements. 

I then logged into my online account to change my payment method to avoid an overdraft and noticed that auto-pay had been turned off and that my bank account information had been removed without confirmation or notice. I did not request for auto-pay to be disabled and did not receive notification explaining its removal. 

I am concerned that Westlakes refusal to provide access to a representative, refusal to offer any temporary hardship options, and unexplained changes to my payment method interfere with my ability to remain current on the loan and avoid negative outcomes such as overdraft, late fees, or adverse credit reporting. I am attempting to pay, and I am simply asking for a brief accommodation during a temporary hardship event while transitioning to new employment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: FL

Complaint narrative:
Citibank has withheld {$3200.00} since XX/XX/XXXX from legitimate payouts deposited into a restricted account. Citi closed the account on XX/XX/XXXX but has not released funds to me or returned them to issuers. Citi told me ( in response to my second CFPB complaint ) that issuers must submit claims ; I complied and issuers have contacted Citi. Citi still shows no progresson XX/XX/XXXX XXXX XXXX said there were no new notes. XXXX emailed that Citi is still blocking payments. This is my third CFPB complaint ; prior responses did not lead to action. I demand immediate release of funds to me or return to issuers, with written explanation, trace numbers, and a firm deadline.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: AZ

Complaint narrative:
Someone showed up with " documents '' for me today ( XX/XX/XXXX ) from Blitt and Gaines , P.C . ( XXXX XXXX  XXXX XXXX, XXXX XXXX, IL XXXX ; XXXX ; XXXX ; XXXX XXXX, XXXX # XXXX as Attorney for Plaintiff ). I was not asked to sign anything and this person handed me the document and immediately left. Initially, this looked like some sort lawsuit but upon further inspection, it became clear these documents were not legitimate. The document is a summons processed under XXXX XXXX XXXX XXXX XXXX. The plaintiff is listed as XXXX XXXX XXXX, XXXX, who I have never heard of. I am listed as the defendant. The bottom of each page says " This is an attempt to collect a debt by a debt collector and any information obtained will be used for that '', which actual court documents don't say. In addition, the original creditor is listed as XXXX XXXX, who I've also never heard of and my credit report shows no outstanding debt in any amount even close to what is showing on the document. The biggest red flag is the document is not dated, it was dated XX/XX/XXXX, and the Judge 's Signature line is a stamp that just says " XXXX ''. The signature line on the last page for Blitt and Gaines , P.C . ( XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ) has a signature that is not distinguishable and it is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App ( Block, Inc., f/k/a Square, Inc. ) issued one or more Forms 1099-K in my name reporting income that I did not earn, authorize, or receive. The IRS notice shows the filer as Block , Inc. ( f/k/a Square, Inc. ) , but I interacted with the Cash App platform as the consumer. The activity reflected on the 1099-K is the result of identity theft. 

Upon discovering the issue, I promptly : - Filed IRS Form 14039 ( Identity Theft Affidavit ) - Responded to IRS correspondence regarding the incorrect income reported - Provided documentation requested by Cash App to dispute the fraudulent 1099-K 's Despite this, Cash App advised that it was unable to confirm fraud and refused to amend, withdraw, or otherwise correct the erroneous information return. When I formally escalated the matter and requested review by Cash Apps tax reporting or legal compliance team, the assigned representative, XXXX XXXX, responded that he had no new information to provide and instructed me to rely on prior emails, effectively closing the case without correction. 

Cash App has not provided : - A substantive explanation for its determination- The standards or criteria used to deny the fraud claim - Guidance on what additional documentation would be required to correct the 1099-K Under IRS rules, payors are required to correct or withdraw information returns when they know or have reason to know that the information is inaccurate, including cases of identity theft. Cash Apps refusal to correct an acknowledged disputed and fraudulent 1099-K has caused ongoing tax compliance issues and unnecessary burden with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Late payments were reported on my federal student loan account serviced by EdFinancial. After contacting EdFinancial, the servicer acknowledged that the late payments were reported in error due to a servicing issue. The account was corrected internally, and the late payments were removed from EdFinancials system. The account is current and has no late payments according to the servicers records.

However, despite acknowledging the error and correcting the account internally, EdFinancial reported that they already sent their report to the credit bureaus and stated that they are unable or unwilling to submit a correction to Experian. As a result, inaccurate late payments continue to appear on my Experian credit report. I have provided documentation and screenshots showing that the account is not delinquent and that the late payments were removed internally. Despite this, the incorrect account status remains on my credit report and continues to negatively affect my credit score. This inaccurate reporting is causing financial harm, including impacting my ability to qualify for credit. I am requesting that the inaccurate late payments be corrected and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited around {$2000.00} in cash into a Bank of America ATM located at XXXX XXXX XXXX. The ATM accepted the cash and provided a confirmation of the deposit. The funds were never credited to my checking account. 
I reported the issue to Bank of America immediately and filed an ATM cash deposit claim on XX/XX/year>. I fully cooperated with the investigation and provided all requested information. Bank of America informed me that the investigation could take several weeks, and no provisional credit has been provided. 
As a result, I do not have access to my own deposited funds. I am requesting that Bank of America promptly credit the {$2000.00} or provide provisional credit while the investigation is completed.Because this deposit was made at the beginning of the month when my regular bills are due, the delay has caused financial hardship due to lack of access to my deposited funds.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I canceled my Total Visa account in XXXX of 2024. I kept receiving bills. I called and canceled two more times with customer service reassuring me the account closed with no past due amount. I received another bill. Now I'm filing this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Hotel from XX/XX/year> unacceptable conditions so desk clerk offered refund for XXXX and we accepted and left. I called Citi Simplicity card to verify refund next morning and they said it was refunded but charged again for XXXX on XX/XX/year>. I opened dispute and received email it was conditionally credited back. Then Citi said they had refund for first amount and charged it back. I explained the 2nd charge was made without my permission and I was not present and the hotel owner admitted he charged it because he was mad the clerk gave us refund. A fraud dispute was opened. I was told to close the purchase dispute because they couldn't proceed with 2 disputes over same transaction. This turned into a 5 month nightmare of customer service associates never telling me the same thing, assuring me it was dealt with and it wasn't. Now they say because I closed the dispute ... AT THEIR REQUEST... I can not get my refund and they can only offer a partial courtesy refund of XXXX. They haven't even done that yet. I ended up XXXX  with a possible XXXX XX/XX/XXXX over the stress this has caused. I have XXXX  XXXX XXXX and have had XXXX XXXX XXXX. This has taken a horrible emotional financial and physical toll on me. I just want Citibank to take responsibility for their horrendous service and failure to do what they say they will.

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 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX. I am the victim of identity theft and fraud involving my XXXX benefits account administered by XXXX XXXX 

While undergoing XXXX treatment and unemployed, I was receiving XXXX XXXX benefits issued through a prepaid debit card. Beginning in XX/XX/year>, an unknown individual gained unauthorized access to my account and changed the phone number and email address associated with security verification. I never authorized these changes and never shared my information with anyone. 

When I discovered that my account balance was nearly empty, I contacted customer service. I was informed that verification codes were required to access the account, but those codes were being sent to the impersonators phone number, not mine. Because of this, I was completely locked out of my own account while the unauthorized individual retained full control. 

Approximately {$5000.00} in XXXX benefits was stolen. I made repeated attempts to regain access, but XXXX XXXX failed to remove the fraudulent contact information, restore my access, or secure the account. The debit card was later replaced without my authorization and then deactivated, permanently cutting off my access to the funds. 

I was unable to report the fraud immediately because I was actively fighting XXXX and later underwent a XXXX XXXX Once I was physically able, I filed reports with multiple agencies, including a local police report, a Federal Trade Commission ( FTC ) identity theft report, and an IC3 ( Internet Crime Complaint Center ) report. These reports all document the same facts : unauthorized account takeover, identity theft, and theft of my XXXX benefits. 

Despite clear evidence of fraud and identity theft, Money Network has not resolved the issue, restored my access, or addressed the stolen funds. This failure has caused severe financial hardship, as these benefits are essential for my basic living expenses.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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