vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International Inc. RE : Formal Demand for Documentation and Proof of Charges Account Balance Reported : {$14000.00} To Whom It May Concern, I am writing to formally dispute the above-referenced account and demand full validation of the balance being reported. The amount currently reported is inaccurate and appears to include additional fees that have not been explained or properly authorized. Previously, this account reflected a lower balance, and the increase raises serious concerns regarding the validity of the added charges. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to provide complete and accurate documentation of any debt you are attempting to collect. At this time, I am requesting the following : - A complete and itemized statement of the balance - A copy of the original lease or agreement - Full payment history and ledger - Documentation showing how the balance increased from approximately {$12000.00} to {$14000.00} - Copies of any contracts or agreements authorizing additional fees Additionally, I am requesting full supporting evidence for any charges related to damages or fees, including : - Photographs of any alleged damages - Move-in and move-out inspection reports- Repair invoices and receipts ( not estimates ) - Documentation proving that any charges exceed normal wear and tear If you are unable to provide the requested documentation, then the charges are not valid, and you must : 1. Remove this account from all credit reporting agencies, and 2. Cease all collection activity on this account Continued reporting of inaccurate or unverified information constitutes a violation of federal law. Please provide the requested documentation within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: PR

Complaint narrative:
I hereby formally dispute the charges made to my Citibank Visa credit card, which were the direct result of a fraudulent scheme in which I was induced through deception to provide my personal and financial information. The transaction originated from an offer published on XXXX, after which I was contacted by phone by an individual calling from XXXX who, through false and misleading representations, offered me a travel package that included accommodations in the XXXX XXXX, allegedly associated with a XXXX XXXX. Relying on these representations, I provided my information ; however, two charges were subsequently processed through a merchant identified as Bold in XXXX, XXXX, an entity that was never disclosed to me and bears no relation to the original offer. This constitutes a material misrepresentation and a clear case of fraudulent inducement, as any purported consent was obtained under false pretenses, thereby rendering the authorization legally invalid. Pursuant to the Fair Credit Billing Act, these charges must be treated as billing errors, as the services were not provided and the transaction was conducted under fraudulent circumstances. I categorically reject the prior determination that these charges were authorized, as such a conclusion disregards the fundamental fact that the consent was vitiated by fraud and therefore lacks legal validity. Accordingly, I demand the immediate reopening of this investigation, the full reversal of both charges, the removal of any associated interest or penalties, and the classification of this matter as fraud. I further request a comprehensive investigation of the merchant involved and note that this matter has been escalated to the Consumer Financial Protection Bureau, and I expect a resolution in compliance with all applicable regulatory obligations.

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 2026-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
I enrolled in a debt settlement program with ClearOne Advantage approximately XXXX months ago and have paid approximately {$1000.00} into the program ( monthly payments of about {$250.00} ). To date, none of my debts have been resolved. During my participation in the program, I was presented with a settlement opportunity that required an upfront payment of approximately {$450.00}, which I could not afford. I was told that my monthly payment amount would support the program, but in practice, the settlement offers require upfront payments that are not feasible for me. I also authorized a payment by phone for a settlement, but the payment was never processed. When I followed up, I was told to wait for the system to update, but the payment never occurred, and I continued to receive urgent notifications regarding the same offer. Additionally, XXXX of my accounts proceeded to garnishment, and I was informed that the company could not assist with that situation. I have made multiple attempts to contact the company regarding my account and have experienced long wait times, repeated transfers between departments, and calls being disconnected. I have requested to cancel my account in writing multiple times. The company has acknowledged my request but has refused to complete the cancellation unless I call and speak with a representative. I have explicitly requested that this be handled in writing, but the company continues to require a phone call as a condition of cancellation. I have also requested the following information and have not received it : Current account balance Full transaction history of payments made Breakdown of all fees assessed The requirement to call in order to cancel, despite clear written communication, creates an unnecessary barrier to exiting the program. I am seeking cancellation of my account and full transparency regarding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX XXXX Phone numbers : XXXX XXXX XXXX They are using fake names and identities to use PayPal to scam. This person is using XXXXPayPal to commit fraud and to scam. I've reported their accounts prior regarding XXXX XXXX and now they are using another PayPal to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
am filing this formal complaint against PayPal for an unjustified XXXX hold on {$680.00}. On XXXX XXXX, 2026, I sold a used XXXX XXXX camera lens for {$700.00} to a local buyer. We met in person at a XXXX in XXXX XXXX, CO, to complete the sale. The buyer mistakenly used 'Goods & Services. ' Because it was an in-person transaction, there is no shipping tracking number to provide. However, the buyer has already officially clicked 'Confirm Receipt ' in the PayPal system, verifying they have the item and the transaction is complete. PayPal has permanently limited my account and is refusing to release my funds until XXXX XXXX, 2026. I have provided chat logs showing the coordination of the meeting, the XXXX XXXX listing, and a screenshot of the buyers confirmation. Since the buyer has already confirmed delivery, there is zero risk of a dispute. PayPal is essentially holding my money for XXXX months without any legal or risk-based justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I requested to close my account in XXXX 2025. The company said they closed the account, but did not infact do so. A charge was sent to the card without my knowledge and i was charged late fees with out any notification from the company. This occurred for 4 months without my knowledge ( as i believed the account was closed ). When i finally got an email that my XXXXredit score was affected i checked the account and saw they never closed my account. Citi admitted their error and refunded me a portion of the late fee ( i am disputing all of them ), but i am having trouble getting the company to take any action. I again requested the account to be closed and again on the phone they stated the account is closed but when i log into the app it is still open. Citi refuses to send me a paper trail or any record of the request.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo Customer Relations, I am writing to formally file a complaint regarding an unauthorized and improper withdrawal of {$15000.00} from my previously closed business account. The account in question was officially closed on or about [ insert closure date ], and I received confirmation that no further transactions would be processed. However, I have since discovered that a cashiers check in the amount of {$15000.00} was accepted and/or processed against this closed account. This action is both unexpected and unacceptable, as no transactions should be permitted once an account has been formally closed.The account is titled as XXXX XXXX XXXX XXXX, account number XXXX. I am requesting the following actions be taken immediately : 1. A full investigation into how this transaction was authorized and processed on a closed account 2. Immediate reimbursement of the {$15000.00} 3. Written confirmation of the findings and corrective actions taken to prevent this issue from recurring Please treat this matter with urgency. If this issue is not resolved promptly, I am prepared to escalate this complaint to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). I expect a response within 10 business days of receipt of this letter. You may contact me at XXXX or XXXX should you require additional information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas, 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 non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Bull City Financial Solutions related to a debt originally associated with XXXX XXXX. I resolved this account with Bull City Financial under a pay-for-delete agreement, in which I was assured that the account would be removed from my credit report upon payment. I fulfilled my obligation and paid the agreed amount in full. Despite this agreement, the collection account remains on my credit report. This is a direct violation of the terms under which I made the payment and is causing harm to my credit profile. I have made attempts to resolve this issue directly, but the account has not been removed as promised. They simply sent me a paid letter. This inaccurate reporting is also contributing to delays in my mortgage process, as my lender is reviewing negative items on my credit that should no longer be present. I am requesting the following : Immediate deletion of the Bull City Financial collection account from all credit reporting agencies, as agreed upon at the time of payment. Written confirmation that the account has been deleted. An explanation as to why the agreed-upon deletion has not yet been completed. I have documentation supporting the payment and the terms of the agreement and have attached to this complaint. This matter is time-sensitive due to its impact on my ability to move forward with my mortgage. I request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened my Bank of America XXXX XXXX Banking XXXX account online on XX/XX/year> with {$500.00} bonus cash offer if I make {$10000.00} of direct deposits within 90 days. I immediately switched my employer direct deposit to go into this account. I also went into the branch to get my debit card. On XX/XX/year>, I deposited {$10.00}. On XX/XX/year>, I transferred {$5000.00} of my own money from my XXXX XXXX account. On XX/XX/year>, my account was put under a fraud review and restricted any money from coming out ( only credits allowed ), but I was not told this at all. I only found out about this later when I called them. I continued to make deposits without knowing I would not be able to take money out at all. On XX/XX/year>, I made another deposit from my XXXX XXXX account of {$5000.00}. Then, on XX/XX/year> and XX/XX/year>, I received my direct deposits from my employer. I only realized my account was under review when I attempted to transfer funds out of the account and it failed. On XX/XX/year>, I called Bank of America and was transferred at least 4-5 times over XXXX minutes to finally get to the correct fraud department. They told me they can not tell me why it was put under review or how long it would take to resolve or any case number so I can have a paper trail. They just told me to wait and to call them back for updates. I told them I have my direct deposits there and I need the money. I even spoke to a supervisor who told me the same thing. They would not tell me any information whatsoever and I am stuck without any access to my money or any reason as to why I can not receive it. I waited about a week and called again today, XX/XX/year>, and they told me the same thing. No information about why it was put under review, how long it would take, or a case number I can follow up on. I am not committing fraud. The deposits I made was from my own bank account and direct deposits are from my employer.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint against : Bank of America Product : Checking account / Electronic funds transfer ( XXXX ) Reference # : XXXX Issue : Unauthorized transaction reimbursement denied Complaint : I am submitting this complaint regarding Bank of Americas denial of reimbursement for an unauthorized XXXX transaction in the amount of {$2000.00} from my account. During the time this transaction occurred, I was traveling and frequently moving from place to place. It is my belief that, during this period, an unknown individual gained access to my phone without my knowledge or consent. There is a possibility that this person accessed my device while I was asleep or otherwise unaware and used my identity to initiate the transfer. I want to be clear : I did not authorize this transaction. I did not knowingly send {$2000.00} via XXXX to any recipient. I am not an expert in how this breach occurred, but I firmly maintain that I was the victim of unauthorized access and fraud. I reported this matter to Bank of America promptly after discovering the transaction. Despite this, my claim was denied on the basis that the transfer was authorized. I strongly dispute this determination. Any apparent authorization was the result of unauthorized access to my device and account. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected against unauthorized electronic fund transfers. Given the circumstances, I believe this transaction qualifies as unauthorized, and I am entitled to reimbursement. I respectfully request that Bank of America : 1. Reopen and conduct a thorough reinvestigation of my claim 2. Provide a detailed explanation of how they concluded the transaction was authorized 3. Reimburse the full amount of {$2000.00} I am prepared to provide any supporting documentation necessary, including account records and a timeline of events. Desired resolution : Full reimbursement of {$2000.00} Thank you for your time and consideration.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
On or about XX/XX/XXXX, someone hacked my phone and used my Truist login to make a mobile deposit of check into my savings account that I never received and never saw. My checking account contains my payroll, which is my only money, but Truist froze my account and has told me only that the case is still under investigation. I reported that I am an identity-theft victim, asked for access to my legitimate payroll funds, and requested a timeline and written explanation, but I have been given no clear resolution. I want Truist to release my legitimate funds or provide a written explanation and a timeline for when my money will be available.

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 2026-04-20 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: CAINE & WEINER COMPANY, INC.
State: TX

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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel like I have been severely violated, and this has caused severe harm to my livelihood and being able to provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint ID XXXX I am following up on my complaint because Citibank stated they would respond to my appeal within 45 days, and that timeframe has now passed without a proper response. I submitted my appeal in good faith and have waited beyond the XXXX period promised by the company. As of today, I have not received a clear resolution, explanation, or final determination regarding my case. This delay and lack of response is unacceptable and does not meet reasonable standards for handling consumer disputes.

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 2026-04-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I bank with Chase and was unable to receive any information or help when they did not fulfill my money order. I was supposed to receive a XXXX $ money order from reward redemption, my email says the order was fulfilled but the funds were not added to my account. I contacted the support line which could not help with this issue. Then called customer service twice, was on hold for at least half an hour total and spoke with 2 representatives who said they could not help me and would transfer me until they hung up the line after the second transfer. Also tried calling the local branches which did not pick up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am submitting a follow-up complaint because the companys previous response did not resolve the issue and did not provide proper validation of the alleged debt. Caine & Weiner stated that the account was verified ; however, no supporting documentation was provided, including the original creditor information, signed agreement, or complete account history. Additionally, the account continues to be reported inaccurately, including listing the collection agency as the original creditor. Because the company has failed to provide adequate validation and has not corrected inaccurate reporting after the initial complaint, I am requesting full removal of this account from all credit reporting agencies and cessation of all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account from CREDIT COLL that is currently being reported on my credit report. I do not acknowledge owing this debt, and it is being reported by a third-party collection agency. I am requesting that the company provide proper validation of the debt, including a copy of the original contract or any legal documentation that proves my obligation. The account is currently reported as derogatory, negatively affecting my credit score and my ability to access credit. I dispute the validity of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If the company can not provide valid documentation or proof of my obligation, I request that the account be deleted from my credit report immediately. I am asking that the company correct any inaccuracies and ensure that all reporting to credit bureaus is accurate, complete, and in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation