vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2026, I brought my vehicle to XXXX for a coolant leak/coolant loss issue. XXXX diagnosed the vehicle and charged {$1400.00} for repair services. My vehicle remained with XXXX until XX/XX/2026, when it was returned to me as repaired. The very next day, XX/XX/2026, I noticed the coolant reservoir was already low/empty again. I contacted XXXX immediately and was told the cooling system had been pressurized and that the coolant should not be low. Because the issue appeared unresolved, I returned the vehicle to XXXX again on XX/XX/2026, so they could inspect it a second time. After checking the vehicle, XXXX told me the vehicle was good to go. Shortly afterward, on XX/XX/2026, the vehicle overheated again while being driven. On XX/XX/2026, the vehicle was taken to XXXX, where it was diagnosed with a serious coolant-related engine issue. XXXX determined that the vehicle required an engine replacement. I disputed the {$1400.00} XXXX charge with my credit card company because the repair service I paid for did not resolve the coolant leak/coolant loss issue. My dispute was not that XXXX performed no work. My dispute was that the service was defective and failed to fix the problem I brought the vehicle in for. The vehicle had the same coolant problem immediately after being returned to me, and it overheated shortly after XXXX told me it was repaired and good to go. The credit card company initially issued a conditional credit while investigating the dispute. On XX/XX/2026, the credit card company sent me a letter stating that it completed its investigation and reversed the conditional credit. The stated reason was that the merchant provided documentation that the services/merchandise were completed. I believe the credit card company did not properly evaluate the actual basis of my dispute. The merchant showing that services were completed does not prove the repair was properly performed or that the coolant leak/coolant loss issue was fixed. I am requesting that the credit card company reopen or reconsider the dispute as a defective/unsatisfactory service dispute and review the supporting timeline and documentation showing that the problem continued immediately after XXXX returned the vehicle 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 explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was told that Citibank 's Reference Code XXXX is a result from the other party having issues with their XXXX Account. I find this false because I asked the other recipient to send XXXX to someone else and it works. My XXXX access is continues to be restricted from sending XXXX to other recipients. There are currently no holds on my account.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a notification by phone and by mail regarding an application for a checking bank account that I did not submit or authorize. I contacted the bank, and they informed me that I needed to file a report with the credit bureau regarding this matter. I am concerned that someone may have used my personal information without my permission and would appreciate any guidance on the next steps I should take.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I paid a {$99.00} annual fee to Barclays for an XXXX XXXX credit card to secure my account benefits through XX/XX/XXXX. Following the XX/XX/XXXX acquisition where XXXX XXXX XXXX XXXX purchased the Barclays XXXX XXXX portfolio, my account was unexpectedly closed instead of being successfully migrated to a new XXXX account. I only received approximately two months of the twelve months of card service and benefits that I explicitly paid for. Because this account was terminated mid-cycle through no fault of my own, I am legally entitled to a pro-rated refund of the {$99.00} annual fee for the remaining ten months of unrendered service. Neither Barclays Bank Delaware nor XXXX will take responsibility for issuing this refund check, leaving me with a closed account and an unreturned fee. I am requesting that the CFPB require these institutions to return my unearned trailing balance. STATEMENT EVIDENCE TRANSCRIPT ( FROM ATTACHED FILE ) : Financial Institution : XXXX Card Program : XXXX / XXXX XXXX XXXX Card Primary Cardholder : XXXX XXXX Account Number Ending In : XXXX XXXX XXXX New Charges : {$200.00} XXXX XXXX New Charges : {$0.00} XXXX Totals Year-to-Date ( Total Fees Charged in XXXX ) : {$99.00} Recent Activity Period Payments : - {$1100.00} ( XX/XX/XXXX Payment Thank You ) Recent Purchases Listed : XXXX ( {$24.00} ), XXXX XXXX ( {$65.00} ), XXXX XXXX ( {$15.00} ), XXXX ( {$23.00} ), XXXX ( {$9.00} ), XXXX ( {$40.00} ), XXXX * XXXX XXXX ( {$22.00} ) .

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
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXXI call and call and call Bank of America after receiving a fraud alert and cannot access my account at all as it is restricted. I cannot get through to customer service after holding for over 1 1/2 hours. The message asked if I received a replacement credit card, which I never received. NONE OF MY TRANSACTIONS ARE BEING PROCESSED AS THE ACCOUNT HAS BEEN RESTRICTED AND I CAN NOT GET ANYONE ON THE PHONE TO NO AVAIL. WHAT KIND OF BANK IS THIS? AWFUL CUSTOMER SERVICE!!!!!!!!!!!!!!!!'

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: GA

Complaint narrative:
Kraken imposed ridiculous withdrawal holds to money earmarked for my XXXX XXXX XXXX account. Ive sent tens of messages to Kraken without any details and Ive offered to supply them with any info on the absurd allegations they are accusing me of Here is a letter I have written to kraken and posted 7 times to date I am writing to formally request an immediate resolution to my pending USD withdrawal To be clear : I followed your support team 's explicit instructions to sell my BTC and withdraw the funds as USD to my linked bank account. I did exactly what you told me to do. Now I want to know why is this being merged into the same 90day review that applies to crypto withdrawals? One is a crypto asset transfer. The other is a fiat currency withdrawal. These are two completely different operations. You told me to sell the BTC, and I complied. Now you are using the same 90day restriction to block my fiat withdrawal. If fiat withdrawals are also subject to this restriction, then why did you tell me to sell my BTC in the first place? Was it so I would pay another round of trading fees? Was it so your platform could earn another spread on the transaction? Are you genuinely protecting my account security or are you taking advantage of my situation, knowing I can not move BTC, and still guiding me into another trade just to generate revenue for Kraken? How much longer am I expected to wait? Until the full 90 days are over? If that is the case, then what was the point of telling me to sell my BTC at all? I am not asking for special treatment. I am asking for a clear and direct answer why can my fiat withdrawal not be processed separately from the crypto restriction? If you need additional documents from me, tell me exactly what you need. If you do not need anything, then release my funds within 48 hours. You can not direct me to take a specific action, and then use a different set of rules to block me after I have followed through. I have no patience left for another template response. I am not asking whether I can withdraw. I am asking why my money is still being held by you with no clear justification. I expect a substantive response within 48 hours, or I will be forced to escalate this matter to the appropriate regulatory authorities.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Furthermore, during the time this alleged debt was incurred and reported, I was experiencing significant financial hardship while attempting to stabilize my personal finances and maintain my household obligations. As a result, I was not aware that this account had been placed into collections and never received sufficient information to verify the debt. Had proper notice and documentation been provided, I would have immediately addressed the matter. Instead, this collection account appeared on my credit report and has caused damage to my creditworthiness, increased financial stress, and negatively impacted my ability to obtain affordable financing. I am requesting that this matter be fully investigated and that my consumer rights be protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am filing this complaint against Ally Bank regarding the wrongful freezing and suspension of my account following the deposit of a legitimate legal settlement check. On XX/XX/year>, I deposited a settlement check in the amount of {$13000.00}. This check represents a legal settlement from a case handled by the XXXX XXXX XXXX XXXX ( XXXX ). The settlement is legitimate and verifiable. This morning I received an email notification that my account has been fully suspended. I am now locked out of online banking entirely and can not access my funds or even view my account. My XXXX attorney was available by phone and spoke directly with an Ally Bank representative during a call that lasted approximately 45 minutes and still the account was not released. Following that call, I was told to call back when wait times were lower so that a representative could contact payroll to confirm the source of funds. I have done everything asked of me. I provided the source of the funds, made my attorney available for direct verification, and cooperated fully with Ally 's fraud team. Despite this, my account remains suspended with no clear path to resolution.

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 — 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: PA

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX opened an account with my credentials email and phone number I never received any information about the account I have a police report and ftc 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited a check at ATM on XX/XX/year>. There is still a hold on the check as of today XX/XX/year>. I understand that it can take some time to cash that kind of check or have it deposited however at this point, I have waited more than 10 days. Originally i I was told that it would be a released no later than XX/XX/year>. I called today and was advised that the check will no longer be issued on XX/XX/year> instead I have to wait until XX/XX/year> to have the funds released. I feel that it is an excessive amount of time for the bank to sit on this check. I have been patient and accommodating to the bank. They contacted me and told me they needed the check stub and I took it into the bank that same day hoping that the funds wouldve been released last week that was not the case I want my funds released as soon as possible as I feel like this is an excessive amount of time and it is unreasonable. At this point, it is causing an undue hardship to my family and myself. Thank you in advance.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a U.S. Department of the Treasury IRS check in the amount of {$3300.00} via USAA 's Deposit @ Mobile mobile deposit service. USAA placed an extended hold on the check with a stated release date of XX/XX/year> over one week after deposit. I contacted USAA customer service multiple times on XX/XX/year> and escalated to supervisors on each call. During these calls USAA : ( 1 ) repeatedly cited overdrawn account history as an apparent justification for the hold but refused to provide an official hold reason code or identify which Regulation CC exception under 12 C.F.R. 229.13 was being invoked ; ( 2 ) stated that the check image account numbers were unreadable, yet the Deposit @ Mobile system accepted the deposit without rejection or any notification to me ; ( 3 ) falsely stated that funds were not available from the U.S. Department of the Treasury the U.S. Treasury does not have funds availability issues ; and ( 4 ) failed to provide written notice of the hold reason as required under Regulation CC. As a result of this hold my account balance is currently negative {$200.00} and my family is experiencing financial hardship. USAA is simultaneously holding {$3300.00} in verified U.S. Treasury funds while my account accrues potential overdraft fees. I have been a USAA member for 16 years and have never had a hold of this nature placed on any deposit. This check is an IRS injured spouse refund that took over three months to be issued. USAA has refused to release the funds early, refused to invoke a hardship exception, and refused to comply with Regulation CC written notice requirements.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to SUNRISE CREDIT SERVICE under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to SUNRISE CREDIT SERVICE, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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: GA

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 — Store credit 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: TX

Complaint narrative:
I am filing this complaint due to an ongoing, severe billing dispute and unauthorized account ledger alteration by Citibank regarding my My Best Buy Credit Card ( Account ending in XXXX ). My account consisted of three major promotional transactions : a purchase for {$1400.00} ( XX/XX/XXXX ), a purchase for {$900.00} ( XX/XX/XXXX ), and a purchase for {$380.00} ( XX/XX/XXXX ). I subsequently returned the {$380.00} item to the merchant. Instead of processing the return to completely remove that specific transaction from my balance, Citibank 's automated system left it active and began systematically diverting my actual monthly cash payments toward it. As proven in the attached screenshot labeled " Proof of Payments to Returned Purchase, '' Citibank applied {$180.00} in payments to a purchase that should have been fully cleared by a merchant return. Because my monthly payments were incorrectly sucked into this false balance instead of my other legitimate promotional balances- such as the {$900.00} purchase shown in the attached screenshot labeled " Starved Promotional Balance '' - my real promotions prematurely expired. This unleashed a massive cascade of back-dated deferred interest, artificially skyrocketing my total balance from roughly {$2000.00} to over {$4000.00}. Furthermore, I have proof that Citibank altered my historical transaction ledger which makes it seem like they were trying to mask their error. As seen in the attached screenshot labeled " True Original Ledger Amount, '' the true " Original Transaction Amount '' for my first purchase was {$1400.00}. However, when Citibank supposedly tried to fix the issue, they took the missing credit amount and added it directly to this unrelated purchase history. As proven in the attached screenshot labeled " Altered Ledger Amount, '' this unauthorized backend change jacked the historical baseline up to $ XXXX- a manipulation of exactly {$150.00} which artificially drove up my promotional balance and deferred interest tracking. I have spent two years calling customer service, supervisors, and the compliance department to fix this. I even sent formal, written demands explicitly telling them to restore the correct transaction amounts, which they completely ignored, as proven by the attached screenshot labeled " Written Demand Email. '' I tried in good faith to settle this account for a lump sum of {$1500.00} multiple times up through XX/XX/XXXX. Citibank refused and has now sent an " Attorney Placement Pending '' letter dated XX/XX/XXXX ( attached as " Attorney Warning Letter '' ), threatening legal action by XX/XX/XXXX, for a debt that I believe was significantly increased by the account errors described above.

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