vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX XXXX I deposited 3 checks into my XXXX  savings account for the amount of {$2300.00}. The 3 checks were under my husbands name, whom was not on the account. Citi bank notified me on XX/XX/XXXX that the checks were accepted and my account would be closed due to violating terms and conditions of depositing checks that were not in my name. That is fine, my mistake.

Upon calling customer service they said it would take 60 days for my account to fully close. After that 60 days a check for the amount in my savings account will be sent via mail to be received within 7-14 days. After the time frame of 75 days has passed, I had not received any refund check. I called customer service for a status. The representative let me know the checks had not been issued and they weren't going to issue it unless I called in, contradictory to what I had originally been told upon closure of the account.

I received a partial refund check in the amount of {$730.00} via mail on XXXX 90 days after I was notified my account would be closed.

The representative told me the remaining balance of {$2300.00} is being held in my account ( my account has now been closed for 75+ days ). They will not issue the checks back to who the check was made out to ( my husband ), they will not decline the checks, or issue it back to original bank issuer. I asked why they didn't just deny the checks if it was against their terms and The representative told me its a federal law that all banks accept any checks deposited which is not true.

The checks came from the State of Arizona and the IRS, US Treasury. Citi bank told me to contact the original issuer and have them contact citi to file a claim to get the money returned. Both the State of AZ & US treasury said they can not and will not contact citi bank for the funds because the checks show as cashed as of XX/XX/XXXX. I told XXXX with citi executive response on XX/XX/XXXX that the originally issuers of the checks cant do anything on their end. On XX/XX/XXXX I received a notice stating they are still withholding the funds until the original issuers file a claim with Citi and my complaint ticket is now closed.

None of this would be such a hassle, had citi bank just not accepted the checks. Citi bank is now withholding the remaining funds and continue to close out my complaint tickets.

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 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Company : LVNV Funding LLC Collector : XXXX XXXX XXXX XXXX Account : Reference ID XXXX Issue : Debt collector contacted me after I told them to stop Complaint : On XX/XX/XXXX, I sent LVNV Funding LLC a certified ceaseanddesist letter exercising my rights under the FDCPA ( 15 U.S.C. 1692c ( c ) ). In that letter, I required them to stop all communication with me regarding an alleged XXXX XXXX XXXX  account. 

Despite receiving my ceaseanddesist, on XX/XX/XXXX, I received an unsolicited email from XXXX XXXX XXXX attempting to collect the alleged debt. The email included a payment plan, a solicitation to log into their portal, and general collection activity. This communication was not a legalaction notice or a required statutory notice. This is a clear violation of the FDCPAs ceasecommunication rule. Additionally, LVNV Funding LLC is reporting contradictory and inaccurate information to the credit bureaus. The account is simultaneously listed as paid off and past due, which is materially misleading and violates FCRA 1681e ( b ).

I am requesting the CFPBs assistance to : Stop all unlawful communication Delete the inaccurate tradeline Ensure LVNV and XXXX comply with federal law I can provide : A copy of my certified ceaseanddesist letter Proof of delivery A copy of the XX/XX/XXXX collection email Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank is furnishing negative information to XXXX XXXX XXXX. I disputed the accuracy of this information. XXXX XXXX XXXX verified the account as accurate. 

However, XXXX XXXX has provided written confirmation that they do NOT house, possess, or have access to any account-level documentation from U.S. Bank . XXXX XXXX stated that all verification came directly from U.S. Bank. 

I requested verification and documentation directly from U.S. Bank, including : - The evidence used to verify the information - Their dispute verification procedures- Copies of any account-level documents bearing my signature U.S. Bank has failed to provide : - Any verification - Any documentation - Any proof of ownership - Any explanation of how they verified this data to XXXX XXXX This is a violation of the Fair Credit Reporting Act ( FCRA ), including : - 15 U.S.C. 1681s-2 ( duties of furnishers ) - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) - ( E ) ( duties after receiving a dispute ) - Furnishing information without the ability to verify accuracy Because U.S. Bank has been unable or unwilling to verify the information it furnished, I am demanding its deletion from XXXX XXXX XXXXXXXX .

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
1. Did not validate ownership.

2. Did not validate authority.

3. Did not validate the balance.

I am requesting that the CFPB investigate this matter, require the company to cease unlawful collection activity, and ensure compliance with federal consumer protection laws.

I timely disputed the alleged debt in writing and requested validation pursuant to 15 U.S.C. 1692g ( b ). In my written dispute, I specifically challenged the collectors standing, ownership of the alleged account, authority to collect, and the accuracy of the balance. 

Despite receipt of this notice, Resurgent Capital Services has continued to send correspondence related to the alleged debt, which constitutes a knowing and willful violation of 15 U.S.C. 1692c ( c ). Any implication of legal authority or ownership without proof further constitutes a false and misleading representation in violation of 15 U.S.C. 1692e.

In response, Resurgent Capital Services provided only copies of billing statements allegedly issued by the original creditor. These documents did not establish that LVNV Funding LLC owns the specific account, did not provide any assignment or bill of sale, did not show a chain of title, did not establish Resurgents authority to collect, and did not include an itemized accounting of the alleged balance. Ownership and authority therefore remain expressly disputed.

I am submitting this complaint regarding ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) by Resurgent Capital Services, L.P., attempting to collect an alleged debt on behalf of LVNV Funding LLC. 


I dispute the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
In XX/XX/XXXX, I purchased an item through XXXX for {$120.00}. The item was described as being in good condition with no defects. When it arrived, the item had significant issues that were not disclosed in the listing and did not match the sellers description. Because the item was significantly not as described, I attempted to open a return directly through XXXX, but their platform rules blocked the return label and prevented me from sending the item back to the seller. 

With no remedy available on the platform, I opened a dispute with American Express on XX/XX/XXXX and provided photographic documentation showing the defect and explaining that the item received differed materially from what was advertised. Instead of addressing any of the evidence I submitted, American Express denied the dispute and rebilled the charge on XX/XX/XXXX. Their written denial stated only that the merchandise has been delivered and cited the merchants all sales are final policywithout evaluating the evidence or the condition of the item. 

American Express did not follow the requirements of Regulation Z for resolving a billing error dispute. They did not consider photographic proof of the defect, the discrepancy between the listing and the item delivered, nor the platform barrier that prevented a return. Their decision relied exclusively on merchant policy rather than the merits of the claim or the condition of the goods. 

I am requesting CFPB assistance because American Express closed the dispute without conducting a reasonable investigation and billed me for merchandise that was not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am unable to access my Experian account, and my credit file is blocked. I have attempted to contact this company via email and phone to try to get my account unlocked so I can apply for additional credit cards. I have been unable to get in contact with this company because my credit profile is being blocked by their services. I have attempted to contact them two reset my password or gain access to my account and have not been successful. You can not speak with anyone there that can help you and their phone system is on an AI loop. The emails that Ive sent over the last few months have kicked back and say that the email is not supported. I do not have the ability to contact this company and they are blocking me from applying for additional credit services via credit cards. Please help me. If theres any additional information that needs to be provided please contact me at 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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened the account on XX/XX/year> for a current promotion. They took the opening deposits from another Checking account I currently own ( same name and in my name only ). They took the funds- they sent me an email about the debit card being processed, etc. So I set up the account to receive {$750.00} of my paycheck via direct deposit ( so that it would be eligible for the promotion ). The direct deposit was to occur on XX/XX/year>. Sometime on XXXX XXXX they shut down the account for suspicious activity- when the only activity is the opening deposits that they did. I called them promptly on XX/XX/XXXX and I was told they could not tell me what the suspicious activity was and that I was to go to a bank branch. Meanwhile I received a letter dated XX/XX/XXXX that states that it was locked for said suspicious activity and on the same day another letter dated XX/XX/XXXX says it was closed IMMEDIATELY due to this suspicious activity. They will not tell me why and the letter states that they " may send the funds via check '' but they may also hold them ( with out telling me why/how ). There is XXXX reason for my funds to be held under for suspicious activity unless they are saying just because I am a " XXXX '' that I am suspicious. The letter states that I could go to the bank and they would release the funds- on XX/XX/XXXX ( the bank was closed on XX/XX/XXXX ) I went into a bank branch near my office and was told they would not give me my money. Clearly the account was NOT closed on the XXXX or the ACH direct deposit would have bounced back - I am being given information that does not make sense. One says it was closed, and in the branch I was told it was still under review but a check could go out once the " review '' is complete. According to the letter on the XXXX the review was complete and the account was closed - but again ACH direct deposit would have bounced back and it did not - the account still shows the opening deposits and the direct deposit. They took my deposit knowing the account was closed? AND ARE NOW HOLDING IT?? I have nothing outstanding and am a legal citizen ( obviously they don't believe so ) and they are holding my funds fraudulently. In their reviews they do this frequently and it is usually to minorities?? If they hold XXXX people 's {$1000.00} every month how much interest are they making?? They sent me a debit card etc ... there is XXXX reason for them holding my funds. 
This complaint is for both a checking account and money market account I opened at the same time. The initial deposits were {$150.00} and the direct deposit was {$750.00}.

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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This situation has been going onfor approximately 10 months so dates may not be 100 % accurate but very close, XX/XX/year> I noticed that my PNC Business account ( XXXX XXXX XXXX XXXX, XXXX ) was compromised. I noticed several unauthorized charges and immediately connected with the PNC fraud department. 

XXXX XXXX XXXX XXXX I went into the local PNC Branch to discuss the continued fraudulent situations occurring. My online banking account was continually getting hacked into and credit card charges, account transactions, were being made without authorization. During the week we closed some accounts, blocked account accesses, changed passwords, multiple times in efforts to stop the identity theft criminals. Despite these changes the criminals were still able to access online banking and change passwords and gain access. I was on the phone countless hours with PNC fraud to attempt to stop the attacks. I had very limited access to accounts during this time due to the closing and blocking of accounts in an attempt to stop unauthorized access. I had very limited access during this time as well because of the attacks, XXXX XXXX XXXX XXXXXXXX PNC assisted with returning many of the unauthorized credit card charges, and transfers but refused to return 2 separate {$5000.00} unauthorized wire transfers ( totaling {$10000.00} ) These transfers were completed during the PEAK of the attack. ( XX/XX/XXXX, and XX/XX/XXXX ) PNC said that these transfers needed to be reported within 24 hours in order for them to reimburse the money. The week these transfers occurred was the exact time I was dealing with PNC in person, online, and on the phone in an effort to stop the fraudulent activity. I was working with PNC the entire week in XXXX attempting to figure out how to stop the attacks. We changes accounts, closed accounts, reopened accounts etc .. but PNC still refused to reimburse the XXXX. 

I have been in discussion with PNC since XXXX trying to get reimbursed and even had spoken to an executive from the resolution team who continually is slow to respond, puts me off for several weeks, and recently has blown me off since XXXX after i tried following up several times this year as requested. 

I have spent countless hours, time, and efforts trying to recover my XXXX that were stolen from the PNC account and am frustrated beyond belief. i just want the XXXX returned to me so I can move on from this. NOTE : Accounts have all been closed with PNC. I no longer bank with PNC
except for a singular LOAN I am in process of moving. I do have files and paperwork that PNC provided. If this is needed later i can submit to you but it was not scanned into my computer for sending. This has been going on since XXXX of 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
denied theft claim XXXX XXXX  sofi bank and closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint as a follow-up to my prior CFPB complaint, Complaint ID XXXX, regarding Citibanks handling of a disputed ATM cash deposit. 

On XX/XX/year>, {$5000.00} in cash was deposited into a Citibank ATM using my debit card. The ATM accepted the cash and immediately malfunctioned, freezing before the transaction could be completed. The issue was reported the same day, and Citibank initially issued provisional credit.

Following its investigation and an appeal handled by Citibanks Executive Response Unit, Citibank denied {$4000.00} of the deposit, stating that there was no cash discrepancy at the ATM location. However, Citibank has failed to substantiate this determination with evidence. Specifically : No ATM camera footage has been provided No ATM error or malfunction logs have been disclosed No cash cassette reconciliation records have been shared No maintenance or servicing records have been produced No explanation has been given beyond internal ATM balancing Citibanks own correspondence states that I have the right to request copies of the information used in its investigation. Despite this, Citibank has not provided any documentation supporting how it concluded that {$4000.00} of my deposit was not retained by the ATM.

Relying solely on end-of-day ATM balancing is insufficient where a documented equipment malfunction occurred mid-transaction, the incident was promptly reported, and provisional credit was initially issued. As a result, I am being held
financially responsible for a loss caused by Citibank-owned equipment.

I respectfully request CFPB assistance in requiring Citibank to : Produce the investigation records used to deny my claim, and Re-evaluate the dispute using all available evidence, including ATM video footage and malfunction data.

Thank you for your time and assistance. 

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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
The loan was originated without any impound accounts for HOA insurance or taxes. Apparently the insurance I had with the loan was cancelled and I was asked to get my own insurance. I did so on XXXX and watermark accepted the proof. However they continued to charge me for insurance via the impound account that I continued to pay for XXXX and XXXX. XX/XX/XXXX I spoke to XXXX who said he would put in the request to have the impound account removed with the insurance department so I didn't pay the impound fee for XXXX. My XXXX statement was never applied to my account although they received the {$1800.00} payment. The statement showed they received the monies, but didn't apply it to my loan and just said I didn't pay and charged me a late fee. I called back on XXXX spoke to a supervisor XXXX ( XXXX XXXX  ) who said XXXX didn't handle the request so she would need to contact the insurance department to have the impound account removed. I was told this would be fixed by XX/XX/XXXX. I've contacted them again on the XXXX since it wasn't removed and they refused to remove the impound account unless I agree to several terms that where never part of the original loan. I informed them I wouldn't sign the removal form as I don't agree with there long list of terms as a result they refuse to remove the impound account and still show a balance on my account of {$1500.00} in un applied funds and {$690.00} in an escrow account for a total of {$2100.00}. This amount covers the payment that they said they never received which is {$2000.00}. I've already asked them to apply the funds, but they won't and continue to say i'm late a payment are are charging me late fees for not paying into an escrow account that should have been removed XXXX  months ago. 
The property is valued at {>= $1,000,000} yet my total loan is only {$430000.00} so that's a XXXX of just over XXXX % far below the 80 % industry standard for requiring an impound account.

Company response to consumer: Closed with explanation