vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: IL

Complaint narrative:
We opened XX/XX/XXXX, XXXX, {$20.00} .. Our company 's account was abruptly closed by Citibank XXXX XXXX without any explanation.. Since that time over {$70000.00} of our funds have been withheld, and despite repeated attempts to obtain answers we have received no clear communication of justification for the closure of the continued hold on our money. We will be submitting supporting documentation along with this statement to assist in reviewing and resolving this matter

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Ally Bank XXXX XXXX, I am providing the attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX statement as critical evidence for my active fraud disputes. This statement confirms that my Ally debit card was added to an unauthorized XXXX XXXX and used to siphon funds into an XXXX XXXX account I do not own or control. I did not authorize my card to be " tokenized '' or added to any new device, and I did not authorize the following transactions totaling {$11000.00} : XXXX : {$1800.00} XXXX : {$1800.00} XXXX : {$1300.00} XXXX : {$1300.00} XXXX : {$1300.00} XXXX : {$1300.00} XXXX : {$1300.00} XXXX : {$200.00} XXXX : {$100.00} XXXX : {$290.00} XXXX : {$200.00} XXXX : {$150.00} The attached XXXX XXXX statement shows the exact timestamps of when these funds were pulled from my Ally account. This documentation supports my claim that these were criminal transfers facilitated through a third-party wallet. I request that these disputes be expedited and that the digital tokens associated with this unauthorized device be permanently revoked. Please confirm receipt of this documentation and update my case files accordingly. There are also new disputes I have filed with other amounts that these documents will also support my claims. I am fully cooperating with both Ally and XXXX XXXX to resolve this criminal matter. Please update my files with this evidence and confirm receipt. Sincerely, XXXX XXXX Account 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complaint against FifthThird Bank XXXX XXXX XXXX Account : XXXX To Whom It May Concern Subject : Formal Complaint Improper Hold and Unexplained Negative Balance I am submitting this complaint regarding an issue with my bank account involving a deposited check, the release of funds, and a subsequent unexplained negative balance and restriction of access to my account. On XX/XX/year>, I deposited a check in the amount of {$9500.00}. Of that amount, {$5100.00} became available on XX/XX/year>. On XX/XX/year> at approximately XXXX AM, I withdrew {$3900.00} from those available funds. Later that same day, at approximately XXXX PM on XX/XX/year>, I discovered that my account reflected a negative balance of - {$7900.00}, and I was unable to access funds in my account. I contacted customer service and was informed that I would not be provided with a full accounting or explanation of the negative balance. I specifically asked why funds that had already been marked as available and cleared were later restricted, and I was not given a clear answer. I then spoke with a branch XXXX at the Fifth Third Bank location at XXXX XXXX XXXX, XXXX, XXXX XXXX. I was told that XXXX XXXX had indicated there was a higher than normal risk that the check would not be paid, and that a back office XXXX XXXX hold had been manually placed on the check. I was further told that a mistake had been made in releasing the {$5100.00} as available for withdrawal. However, I independently contacted the payer of the check, XXXX XXXX XXXX XXXX, and was provided documentation confirming that the check had in fact cleared their bank ( Truist ) on Friday, XX/XX/year>. I returned to Fifth Third Bank and spoke with a representative ( XXXX XXXX ) to request a full explanation of the negative balance of - {$7900.00}. I was not provided with a transaction ledger, and the representative was unable to explain how my account balance was calculated. Based on my records, my account should only reflect : The {$3900.00} withdrawal A separate transfer of {$250.00} ( if applicable ) Instead, an additional unexplained amount of {$3800.00} was deducted or charged against my account, which no representative has been able to justify or document. Furthermore, no one at the bank has been able to explain : Why {$5100.00} was made available if the check was considered high risk Why those funds were later restricted after being released Why my account shows a significantly larger negative balance than the actual transactions would support Why I have been denied a full accounting or ledger of my account activity I am requesting prompt investigation and resolution of this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've been receiving threatening phone calls and emails from American express and American express XXXX since XXXX. Constant threats to sue. I have always paid my bills, but XXXX lost me my career and I have not been able to find stable employment as a XXXX veteran since. My housing and phone numbers have changed various times because of the debts I have no way to pay now, I have explained this to them. I don't know what they expect me to do after going from a XXXX credit rating most of my adult life. I don't have XXXX to file bankruptcy or I would have years ago. The calls now come several times month ( they were weekly, and sometimes multiple times a week ) and voicemails are left from the same lady calling from American express " inc ''. Most recently a letter came from a court about a case to sue me. I have spoken to a lawyer and they said this is not a legitimate letter. I imagine I am not the only person they are trying this tactic with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a fraudulent transaction conducted through Venmo, and the companys failure to adequately protect me as a consumer. On XX/XX/XXXX at approximately XXXX PM, I sent a payment of {$2500.00} via Venmo as a deposit for what I believed to be the purchase of a camper trailer. The transaction was initiated after communicating with an individual I believed to be my cousin through XXXX. I later discovered that my cousins account had been hacked and that I had been communicating with an impersonator. This transaction was therefore induced by impersonation fraud. Upon realizing the fraud the following day, I took immediate action. I contacted both my bank, XXXX XXXX, and Venmo to report the incident. I clearly informed Venmo that this was a fraudulent transaction and requested that the payment be canceled or reversed immediately. Despite my prompt reporting, Venmo stated that there was nothing they could do and directed me to resolve the matter through my bank. I believe Venmo has failed in its legal obligations in the following ways : 1. Impersonation Fraud : This transaction was the direct result of a hacked account impersonating a trusted individual. This type of fraud is a known and increasingly scrutinized issue. 2. Failure to Protect : Venmo refused to take action to retract or halt the transfer, even after immediate notification. This lack of response constitutes what I believe to be an unfair and deceptive practice. 3. Lack of Recourse : Venmo is attempting to hold me responsible for a transaction that was clearly the result of criminal activity, leaving me without meaningful recourse despite acting quickly and responsibly. Additionally, I would like to note that the {$2500.00} has not been withdrawn from my bank account ; however, Venmo is currently holding my account at a negative balance of - {$2500.00} and attempting to hold me liable for this amount. I am deeply concerned that Venmo may escalate this matter to collections or report it to credit bureaus, which could negatively impact my credit score despite this being a documented case of fraud. Given the circumstances, I respectfully request that the CFPB investigate Venmos handling of fraud claims and assist in facilitating a resolution for the recovery of my funds and protection of my credit. Thank you for your time and attention to this matter. I am happy to provide any additional documentation or details needed to support this complaint. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
went to court and judge required proof of debt and for midland credit to contact me. and they never did, i went to my court hearing and never showed up later i received a dismissal, now again i received a court papers im being sued from them again i feel they are harassing me, iv missed several days of working filling papers out going to court,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I received an email to my XXXX account from Capital one stating, " Your transfer is in progress ''. I went to Capital One and found someone set up a recurring withdrawal from my XXXX XXXX XXXX Account ending in XXXX into my Capital one 360 Savings Account ending in XXXX from Capital One banking website. All recurring deposits were deleted/stopped by myself as of XX/XX/year> when Capital One Froze my funds due to another illegal maneuver by them and did not send out checks for the funds until we reported them to CFPB. So, since XX/XX/year>, no transfers were established by myself and none were withdrawn since then. However, as of today, there was a notice of withdrawal of {$500.00} from XXXX into Capital one ( XX/XX/year> ; which I did not authorize ) and the funds will not be available until XX/XX/year>. When I called Capital One consumer protection line on XX/XX/year> I spoke with XXXX. XXXX informed me she had no idea who set that up, when it was set up and why. I asked her to stop the transaction immediately but she said she could not. She did not offered to investigate the matter. I did call XXXX and they had not seen any funds being removed, as of yet. Capital One is practicing illegal banking practices and not being held to account. I have officially closed all other accounts, but for this account due to the pending transaction. They NEED to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
This is a follow-up to my prior CFPB complaint ( Case # XXXX ). In XXXX XXXX XXXX original response dated XX/XX/XXXX, I was directed to open a formal claim with XXXX XXXX XXXX and provide the claim number so that XXXX could " better assist '' me. I followed those instructions and opened XXXX XXXX # XXXX. XXXX has now denied the repurchase request on my vehicle ( XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX ) despite XXXX open safety recalls with no available remedy : - Recall # XXXX ( XXXX # XXXX ) : XXXX XXXX recall with parts unavailable - Recall # XXXX ( XXXX # XXXX ) : causing potential complete loss of power while driving The manufacturer has told me to continue driving a vehicle they have acknowledged is unsafe with no timeline for a fix. The XXXX model was discontinued in XXXX. I followed every step XXXX XXXX instructed me to take. The manufacturer denied the claim. The ball is now back with Chrysler Capital to provide the assistance they committed to in their CFPB response. XXXX 's own payoff system generated a XXXX XXXX XXXX of {$28000.00} for this vehicle as of XX/XX/XXXX ( Quote ID : XXXX ). An independent dealer appraisal returned {$28000.00}. A XXXX XXXX XXXX with fewer miles is listed at {$30000.00}. My lease residual is {$38000.00} over {$9900.00} above XXXX 's own market valuation. Vehicle details : XXXX XXXX XXXX XXXX XXXX, Mileage : XXXX, Lease start : XX/XX/XXXX, Lease end : XX/XX/XXXX, Monthly payment : {$370.00}, Residual value : {$38000.00}. I am requesting XXXX XXXX adjust the lease buyout to $ XXXX {$30000.00} to reflect fair market value. I have been a customer in good standing making every payment on time. I have also filed complaints with the BBB ( Case # XXXX ) and XXXX regarding this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I went to purchase a couch at XXXX home furniture. I was asked if I would like to look into financing. I declined. They asked if I was sure, and I asked if it would be a hard or a soft credit check. I was informed multiple times that it would be a soft credit check. I approved a soft credit check for a pre-approval verbally. I was pre-approved for {$10000.00}. I then decided to pay for the couch in full and not pursue the financing option. In early XXXX, I ordered a credit report, and I noticed a hard inquiry for Wells Fargo. I called, and I was informed that XXXX XXXX XXXX had issued a hard inquiry. I told them that I specifically told them that I did not consent to this. I was told to contact XXXX XXXX XXXX. XXXX XXXX XXXX then told me to contact Wells Fargo. I called back. I was then told that they would dispute this on XX/XX/XXXX. They also told me that they would send me a letter stating the dispute within 45 days to my physical address. I then looked at my credit report at a later date ( sometime in mid-late XXXX ), and I noticed that there was a Wells Fargo account for {$11000.00} opened ( no charges had been made with this account ). I called again, asked why I hadn't been informed of this when I originally called, then asked them to dispute this account as well as the hard inquiry as I definitely did not consent to an account being opened in my name. I then asked them to close the account, which they did. I was told that they would send a letter of dispute again. On XX/XX/XXXX, I filed a dispute with the XXXX credit bureaus. These were all closed and denied by the end of XXXX. On XX/XX/XXXX, I again called Wells Fargo. I was told then that they could not dispute the hard inquiry or the opened account because by giving my information ( my name and social security number ) I gave consent to have whatever account opened in my name regardless of not being informed of how the company intended to use my information either verbally or in written form of communication. Wells Fargo then stated that they would file to have the hard inquiry removed as an act of " good faith '' since it " wasn't cool '' what had happened. They also stated that companies have the right to use my information to open whatever account because giving them my information constitutes consent.

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 2026-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX amp XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I have a Medical Bill for {$2200.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that sent to collection agency ( Credit Collection Services ) on my credit report on XX/XX/XXXX. I have a XXXX letter from Credit Collection Services dated XX/XX/XXXX and XX/XX/XXXX. I believe the medical bill wasn't process though my Insurance and the dated of service is XX/XX/XXXX. Is this a violation of Nevada law ( specifically SB 248 ) The 60-Day Mandatory Notice : A collection agency must send you a written notice at least 60 days before taking any action to collect or report any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Dakota Financial, LLC
State: TX

Complaint narrative:
i was needing financial assistance with equipment I wired {$20000.00}. I PAID {$20000.00} TO THE FIANCE COMPANY and I didn't used them for my XXXX XXXX and they held XXXX ach payment from me in the refund they stated because there gps was installed but they didn't want to work with me so I went some were else but i need to know how to get my XXXX back from them. Even Tho I signed, the contract is VOID if they couldnt legally process my loan A GPS fee or install fee is only valid if the loan actually goes through or if YOU caused the cancellation. But in my case : I'm the sole owner ( Secretary of State confirms it ) They refused to accept that They demanded a credit app from someone who is NOT an owner They refused to proceed with underwriting I was forced to go elsewhere That means THEY prevented the financing from happening. the lender is the reason the deal fails, they can not legally keep fees tied to the loan. This is called failure to perform on their side. all because they want a credit app from a individual that had no ties to my company and never did, i have documents from the secretary of XXXX saying this so there the once that pushed me away after i gave them my business and time along with money and its not right i had XXXX some were else drop even more money to complete my equipment deal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This company i been going through with over XXXX XXXX years probably longer I only had the car for one year due to it being sold to me as a lemon also I took them to court finally won XXXX years ago just for credit acceptance to run to there lawyers to cross XXXX me for less than the amount of XXXX I paid them and there still on my report I need help and or I do I have to take them to court to get them off my report which the lawyer seened everything y'all can call XXXX XXXXXXXX XXXX XXXXXXXX and ask them did I sue them and win they have no choice but to say yes it's in the system its in the file and I'm pretty sure its in the Internet now due to everything being on the Internets even cases I'm pleading and begging as this point for them to come off and they are on there they been reporting on my credit report since XX/XX/XXXX of XXXX last day I had the car when it broke down on me while I was also pregnant which the courts knew I could of lost more than XXXX life out there because of that lemon car I need help I need them off my credit report ASAP been working on it they the only ones that's still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit report Account XXXX alleged balance {$21000.00}. XXXX XXXX is a debt buyer. Under FDCPA 15 U.S.C. 1692g I formally demanded they produce via certified mail on XX/XX/year> : ( 1 ) original signed contract with my signature from original creditor, ( 2 ) complete payment history from original creditor, ( 3 ) documentation of how they got assigned to collect this debt, ( 4 ) complete chain of assignment, ( 5 ) bill of sale showing what XXXX paid to acquire this debt, ( 6 ) license to collect in Pennsylvania. The personal information associated with this account contains addresses that have never been mine XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX making identity verification impossible. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX. If XXXX can not produce all 6 required items this debt is unvalidated and must be deleted from all XXXX bureaus under FDCPA 809 ( b ).

Company response to consumer: Closed with non-monetary relief