vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and took out the Citi XXXX XXXX credit card in XXXX of XXXX. I selected their promotional " spluge credit '' category of XXXX XXXX for the {$200.00} annual credit that they advertise to receive back in credit each calendar year. I first selected it while logged into my account and received confirmation that XXXX XXXX was my selection. A few hours later I went into Best Buy and bought {$200.00} worth of items. The " Splurge credit '' was never issued back to me. I called in over XXXX times from XXXX for 4 months and got the run-around that their systems are glitching and they're working on getting me the credit and promised it will be resolved. They even issued a " XXXX thank you points courtesy '' for the wait. After over XXXX mos of calling, I finally called again and they told me that they researched and that I never " registered the splurge retail location '' that I wanted like XXXX XXXX. I let him know that I made sure of it and it confirmed it when I was logged in. The gentleman was rude and said well do you have a screenshot? I said no and I didn't think I'd need one. I asked him if he has proof that I didn't and he said no and there's nothing that I can do. In my opinion this is robbery and predatory. They didn't honor their advertised promotion even though I paid the {$590.00} annual fee, I registered the business entity that I wanted to use the {$200.00} splurge credit at, and they never followed through with their end of the promotion. I've exhausted all options and finally transferred my points and closed my credit card with Citi Bank today ( XXXX ). I'm seeking to get justice and my {$200.00} back that they promised.

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 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking account under a risk closure review in XX/XX/2026. After the account was closed, I was informed that the remaining balance, approximately {$48000.00}, would be returned to me by check. However, the account closure process has repeatedly been delayed. Small amounts of interest continue to post to the account after closure, causing the bank to repeatedly reopen and re-investigate the account. For already 4 times. This has happened multiple times and the account still has not been fully resolved. I have contacted Bank of America by phone several times everyday and visited a local branch for assistance. The branch was unable to help and directed me back to the Risk Department. Despite multiple contacts, Bank of America has not provided a clear explanation, a final closure date, or tracking information for the refund check. I am a university student and need access to these funds to pay tuition and living expenses. The continued delays and repeated investigations have created significant financial hardship and uncertainty. I am requesting that Bank of America : Complete the account closure immediately. Provide a written explanation regarding the repeated reopening and investigation of the account. Confirm the status of the refund check containing my remaining account balance. Ensure that all remaining funds are promptly released to me.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of the account reported as " Jefferson Capital LLC '' on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 611 and 623 ), please conduct a reasonable investigation and verify : Account ownership and contractual liability Complete payment history Date of First Delinquency Current balance and past due amount Account status and reporting accuracy Compliance with XXXX XXXX reporting standards If you can not provide competent evidence verifying every element being reported, I request deletion of the account from my consumer file. Please provide : 1. Method of verification. 2. Name and contact information of the data furnisher. 3. Copies of documents used to verify the account. 4. Updated credit report reflecting investigation results. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WA

Complaint narrative:
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 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 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 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

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I am filing this complaint against Milestone/Concora Credit regarding their refusal to provide reasonable hardship assistance and their refusal to allow escalation of my concerns to a supervisor or higher-level representative. On or about [ DATE ], I contacted Milestone to discuss my account and proactively seek assistance due to a temporary financial hardship. My goal was to avoid falling behind on my obligations and to work directly with the company on a reasonable solution. During this call, the representative informed me that no assistance was available and refused my request to speak with a supervisor or anyone higher in the chain of command. I explained my circumstances and requested escalation because I did not believe the representative had the authority to fully review my situation or discuss alternative options. Despite multiple requests, I was denied access to a supervisor, manager, hardship department representative, or executive escalation team. I was effectively told there was no one else available to speak with regarding my concerns. As a consumer acting in good faith, I find it unreasonable that I was denied the opportunity to discuss my account with a higher-level representative when I was attempting to prevent future delinquency and resolve the matter responsibly. The refusal to provide any escalation path left me without a meaningful opportunity to have my situation reviewed. I am requesting that Milestone/Concora Credit : Conduct a formal review of my account and hardship situation. Provide a direct response from a supervisor, manager, or executive customer relations representative with authority to review my case. Explain why I was denied escalation when requested. Review whether any temporary hardship, payment arrangement, deferment, or other assistance options may be available. Ensure that consumers are provided a reasonable escalation process when they request management review. I am seeking a fair resolution and an opportunity to work with the company in good faith before my financial situation worsens.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the account reported as " XXXX XXXX XXXX '' on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 611 and 623 ), please conduct a reasonable investigation and verify : Account ownership and contractual liability Complete payment history Date of First Delinquency Current balance and past due amount Account status and reporting accuracy Compliance with XXXX XXXX reporting standards If you can not provide competent evidence verifying every element being reported, I request deletion of the account from my consumer file. Please provide : 1. Method of verification. 2. Name and contact information of the data furnisher. 3. Copies of documents used to verify the account. 4. Updated credit report reflecting investigation results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the account reported as " Midland Credit Management '' on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 611 and 623 ), please conduct a reasonable investigation and verify : Account ownership and contractual liability Complete payment history Date of First Delinquency Current balance and past due amount Account status and reporting accuracy Compliance with XXXX XXXX reporting standards If you can not provide competent evidence verifying every element being reported, I request deletion of the account from my consumer file. Please provide : 1. Method of verification. 2. Name and contact information of the data furnisher. 3. Copies of documents used to verify the account. 4. Updated credit report reflecting investigation results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
bank closed my CD account without my authorization, transferred the funds without permission, and pressured me into opening a new CD at a lower interest rate. The bank admitted it was their error but refused to restore the original CD terms.The bank also opened a line of credit in my name without my knowledge or consent and charged a utility bill to that unauthorized credit line. I never applied for or agreed to a line of credit.I am requesting : ( 1 ) closure of the unauthorized line of credit, ( 2 ) removal of all charges, ( 3 ) restoration of my original CD with the original interest rate and terms, and ( 4 ) a full investigation into the unauthorized account 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 monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I recently discovered that Aaragon Collection Agency reported a collection account to my XXXX credit report in the amount of approximately {$1100.00}. The alleged original creditor is XXXX XXXX. I do not recognize this debt and have no knowledge of owing the amount being reported. After discovering the account, I disputed it with XXXX and requested validation directly from XXXX Collection Agency. I requested documentation establishing that I am legally responsible for the debt, including a copy of any contract or agreement, a complete account history, documentation showing XXXX authority to collect, and documentation supporting the reporting of this account to consumer reporting agencies. Despite my requests, the collection account continues to be reported and is negatively affecting my credit profile. To date, I have not been provided with sufficient documentation establishing that this debt belongs to me. I am requesting that XXXX XXXX XXXX either provide competent documentary evidence proving that I am legally responsible for this debt or immediately delete the collection account from all consumer reporting agencies. I also request that all records, account documentation, and method-of-verification information relied upon to report this account be provided to me. I believe the continued reporting of an unverified debt may violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My account was randomly closed for suspected fraud. Iv had the same same account for years with no problems, and fraud was not anything that happened. I reached out to Cash App ask them Why and they never reached back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I went to my bank to speak to a supervisor that I needed to do a backcharge because The agent fir ASAP tickets sold us airline tickets and the three letters she put kn two of the 4 tickets did not match gbe passports and we could not use them and the ASAP agent did not fix her mistake and ASAP and the XXXX XXXX wanted more money to investigate and we're trying to blame us for what their agent 's mistake The problem was now with the staff of property bank my bank tbey refused to let me speak to a supervisor so I could request a backcharge so I mailed a certified letter to prosperity bank corporate offices in XXXX XXXX, TX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Block, Inc.
State: NY

Complaint narrative:
Last week on Wednesday the third of XXXX I record an email from cashapp stating that they closed my account due to me violating their terms and policy. The problem is though is that I asked them what specific term did I violate and they never gave me an answer. They then proceeded to give the runaround of we cant disclose that. I had borrowed from them last month XXXX to which they proceed to charge me XXXX thw due date for that was suppsed to be this upcoming Friday but I wont be able to pay them back because they deactivated and closed my account not to mention they still denied my motion to appeal their decisions i kindly ask thst you find a way to help me get this written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
I am filing a formal complaint regarding a severe financial fraud incident that occurred on XX/XX/year>, involving a Cash App transaction totaling {$4700.00} USD. The suspect utilized a coordinated " XXXX '' escrow scam mechanism. The suspect instructed a transaction where a third-party XXXX buyer deposited exactly {$4700.00} USD into a specific Cash App account/tag provided by the scammer. The fraudulent Cash App account details are as follows : Recipient Name on Account : XXXX XXXX Account Identifier : XXXX Investigation shows that the suspect is operating under the corporate persona of " XXXX XXXX XXXXXXXX XXXX XXXX a business registered at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX utilizing its domain and infrastructure to execute wire fraud and launder illicit funds through Cash App. A formal federal investigation request has already been filed with the FBI 's Internet Crime Complaint Center ( IC3 ) under Submission ID : XXXX. Since Cash App 's platform was directly utilized as the primary vehicle to facilitate this international escrow fraud and host laundered funds, I urgently request Cash App ( Block, Inc. ) to investigate this specific account ( ID : XXXX ), freeze any remaining stolen balances, and cooperate fully with federal law enforcement authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sparrow Financial, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C 1681Ss - 2 ( a ), data furnishers are required to report only accurate and complete information. Reports unverifiable or inaccurate data is violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
The lender 's online portal actively blocked me from making extra principal payments by keeping the 'additional payment ' tab broken. I was forced to issue a stop payment to protect my bank account after my balance incorrectly reset. Immediately after flagging my account for a missed payment, the lender miraculously enabled the additional payment tab. This indicates predatory system manipulation designed to prevent early payoffs and maximize interest charges. I am paying off this loan next week under protest and demand a full regulatory audit of my payment history and a refund of uncredited funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX send a Hard Hold Third Party notification request to Chase, but Chase never responded thus leading to no resolution of the issue. A check that I deposited to XXXX XXXXXXXX XXXX is being returned to the issuer ( Chase ), but I have not received any information about it. What happens to Hard Hold Third Party notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I created an online banking account with a bank named DAVE. In the month of XXXX my account was hacked and I was not able to get any of my money that was deposited in that account. When I let the company know about it the first time they didnt refund me my money or gave me access to my account. By the third time I had called this was already in XXXX the person who hacked my account was still stealing my money and moving it around so I couldnt get it. By XXXX they finally closed the account but havent refunded me any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/year> I made a refund request of XXXX and they told me that the money order was on hold since I requested a refund for the money order at western union on XX/XX/XXXX they said my money order was cashed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account recently. Received my direct deposit a week later and after only a few days I found I was unable to log into my account and debit card was not working. I called BOA and was informed that my account was closed. They do not have a reason and just that it would not be reopened. The account was closed with, after pending transactions, approximately {$1400.00} left from my paycheck. I explained this is all I have. I have no access to any other monies. BOA simply informed me there was nothing they could do and it could take up to XX/XX/XXXX to close the account and afterwards would be sent a cashiers check with the balance in the account. That is about 2 months from now and this could practically make me lose my car, receive an eviction notice, Be unable to buy food or have utilities. shut off. This is a grave hardship that should not be forced upon me simply because Bank of America decided to close my account with no notice and now refuse to return funds left in the account which happen to be my hard earned money from my recently deposited paycheck. If they closed my account I suppose this is their prerogative. I simply want my own money to be released and not held onto for as long they see fit which would cause a serious hardship in my life at this time. Please help.

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 2026-06-10 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: RI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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