vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I received a random email from third party services that I was being sued in court. I had no knowledge of what was going on until this random XXXX XXXX explained that a debt collector has filed a complaint against me for a debt from XXXX, XXXX. I was never given the opportunity to dispute this Under New York States Consumer Credit Fairness Act ( CCFA ). This debt has exceeded the XXXX year clock, but I was never given the opportunity to dispute this. I never received proper notification from this debt collector. If it had it not been for a random XXXX XXXX, with no affiliation to the to this matter, informing me I would have never known.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
I have an account with current and they have had my account under review since XX/XX/year> well over the XXXX business days they wont allow me access to my funds they wont allow me to close the account and transfer funds Ive told them several times I needed to talk to the fraud dept they wont transfer my call and that my rent was due this is going to render me homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a total of {$2000.00} in money orders using the mobile app. Citibank mobile risk fraud department inmediately closed my account without any notice. I called everyday for more than XXXX hours. I can prove it. I took screenshots of rhe duration of the calls. they hang up on me. yesterday I went to physical branch with the original money orders and the receipts. the branch supervisor also wait in line for over XXXX hours. same answer. to wait XXXX hours. Today, I called again. they sinply answered. they closed my account. they cashed the checks and on top of that I have to wait for XXXX days? listen, I have to buy food, put gas. I dont even need to listen why I need the money. citibank was very rude and unethical.

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 2026-06-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am submitting this complaint regarding the closure of my Best Buy credit card account, which I have maintained for over 10 years with an excellent payment history and no missed payments. Recently, I changed bank accounts and updated my payment information through the Best Buy/Citi online portal. After updating the information, I believed AutoPay had been successfully transferred to my new bank account. However, AutoPay continued attempting to withdraw payments from my old XXXX XXXX XXXX account. When I noticed the issue, I immediately logged back into the online portal and updated my banking information again to ensure the correct account was being used. Despite my efforts to correct the issue as soon as it was discovered, I recently received notice that my credit card account had been closed due to XXXX returned payments within a six-month period. I contacted customer service immediately. The representative acknowledged my situation, understood that the returned payments were related to the bank account update, and even indicated that the process can be confusing. However, I was informed that the account could not be reopened and that my only option was to reapply for a new account. I believe this action is unfair given my long-standing relationship with the company and my consistent payment history over the past decade. The returned payments were not caused by a refusal or inability to pay, but rather by an issue related to updating my banking information and the AutoPay system. At all times, I intended to make my payments and took prompt action to update my information when I became aware of the problem. The closure of this account negatively impacts my credit profile, eliminates a credit account that has been open for more than 10 years, and disrupts my ability to use the card for business-related electronics purchases. I do not believe the punishment fits the circumstances, especially considering my history as a responsible customer. Desired Resolution : I am requesting that Citi Retail Services conduct a manual review of my account and reinstate my Best Buy credit card account. I would also like any negative reporting associated with these returned payments and the account closure to be reviewed and corrected if appropriate. Given my long history of on-time payments and the fact that this issue resulted from a bank account change rather than financial hardship or intentional nonpayment, I believe reinstatement is a reasonable resolution. Thank you for your review and assistance.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I received in the mail a credit card from Wells Fargo with the words " XXXX '' in the upper right hand corner. I immediately called the company and closed the account but she could not tell me anything about where or when it was opened. I have tried calling other phone numbers on the paperwork that came with the card, including a fraud number, but I have been on hold for several hours since yesterday and nobody picks up, and I don't even think they can give me further information and I need to work. I did get to a voicemail box at Wells Fargo which was full and I could not leave a message. I case it is applicable, this credit application did not come up in my XXXX XXXX identity protection, and my husband also received a card in his name to an old address.

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 2026-06-09 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the reporting and collection of this alleged XXXX XXXXXXXX XXXX XXXX XXXX account because the information being reported does not belong to me. The account contains a name variation and addresses that are not mine, including XXXX XXXX, NV addresses I have never resided at. I do not recognize this account, did not authorize any services connected to it, and I believe this may be the result of mixed file reporting, identity theft, or inaccurate consumer reporting. Despite my dispute, the account continues to be reported as verified accurate without providing sufficient proof that this debt belongs to me. A utility bill and internal collection documents do not establish that I personally opened, used, or authorized this account. I am requesting a full reinvestigation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. See Attachments!!

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 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I dispute the accuracy and completeness of the account reported under account number ending in XXXX. The reporting reflects a repossession account with a status date in XXXX while continuing to report monthly updates through XXXX. They have failed to provide : Complete payment history Deficiency balance calculations Auction records Repossession notices Notice of sale Notice of deficiency Date of first delinquency Documentation proving the balance currently reported I further requested documentation demonstrating that all reporting complies with FCRA 623 and applicable state law. They did not produce the requested documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
On XX/XX/year>, my cellular phone was stolen without my permission. After discovering that my phone was missing, I learned that an unknown individual had gained access to my financial accounts using the device. The individual used my phone to access my bank account and XXXX XXXX account and conducted unauthorized transactions, resulting in the loss of money from my accounts. I did not authorize these transactions and did not give anyone permission to access my phone, bank account, or XXXX XXXX account. On XX/XX/year> I filled a dispute with sofi and provided them with police report. On XX/XX/year> sofi reached out and informed me my dispute was denied. On XX/XX/year> I filled an appeal making sure to include more details and the police report. On XX/XX/year> my appeal was denied. Sofi is not looking into this fairly so I have to make this complaint because the bank ( sofi ) is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
ABILITY RECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABILITY RECOVERY 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 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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Block, Inc. ( Cash App ) for a failure to properly investigate merchant disputes, wrongful account closure, and systemic compliance failures under the Bank Secrecy Act ( BSA ). I initiated legitimate " Services Not Rendered '' disputes, according to federal rules, regarding transactions made to five online platforms : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All five of these platforms are unlicensed gambling operators that were issued formal cease-and-desist orders by the Illinois XXXX XXXX on XX/XX/year>. Cash App failed to block processing for these illegal entities, facilitated an unlawful transaction against state law, and penalized methe consumerfor fraud. Cash App had direct knowledge of this, as they finally updated their filters to block all new transactions to these platforms in early XXXX. My purchased credits are sitting in these accounts unused and untouched. The merchants are trying to use legal protections to run an illegal business and said no refunds, according to their " Terms of Service. " When these merchants failed to deliver the promised services and I disputed the charges, Cash App 's automated system misclassified my complaint as 'Unauthorized Fraud. ' Consequently, Cash App summarily denied my dispute and permanently closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX I went to the bank to help my elderly grandmother since the passing of my grandfather. The bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States at navy federal and the employee name was XXXX .We were simply making a {$10000.00} withdrawal from my grandmother account for life insurance money that had finally cleared. We walk in and instead of inserting in my debit card which Navy federal traditionally does the Bank teller ( XXXX ) decide to scan my grandmother ID with and fraud scanner and then proceed to ask her for another form of ID. We all complied on what she was saying then I asked to speak to a manager, I did not like the way we were treated while still trying to make a withdrawal. She then says you can have a seat with the receipt of the withdrawal, we did not sit down because she did not give us the money and it seem like she was trying to steal our money. When I told her we don't need to. have a seat to speak to manager she proceeds to keep arguing with me. My grandmother told her can she give us XXXX 's instead of XXXX 's to make the bills easier to withdrawal. Then XXXX becomes belligerently yelling calling me a XXXX a very XXXX remark for no reason and trying to make a scene. She storms off to the back and the assist managers come and XXXX the situation. The first thing they said was " why did she not give you the XXXX 's you asked for '' which she must have been on a power trip because she did not get her way. The managers for some reason asked my grandmother and me where we worked at and all these unnecessary questions just to find a reason not to give my grandmother her money not knowing I and asked for XXXX forms of ID again not knowing I Have been a member since XXXX. This whole time my grandmother still did not have her money. and I feel embarrassment I want this employee to be fired if she willingly to say these XXXX marks. You can check the cameras from this day it happen at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AZ

Complaint narrative:
What happened? On XX/XX/XXXX and XX/XX/2026, I attempted to make a purchase through XXXX using my Cash App Card for {$51.00}, {$86.00}, {$18.00}, {$70.00} and various other amounts. The transactions were declined despite sufficient funds being available in my Cash App account. I immediately contacted Cash App Support to determine why the transaction was declined. In a response from a Cash App Support Manager on XX/XX/2026, I was informed that the transaction had been declined for " security purposes '' and that Cash App could not provide any additional information. I responded and explicitly confirmed that the transaction was authorized by me, that there was no fraud involved, and that I was willing to complete any identity verification necessary to approve the transactions. I requested that the matter be escalated to a risk management, compliance, or supervisory team for review. On XX/XX/2026, several days later, another Cash App Support Manager informed me that my case had been escalated to the Account Services team for investigation. I was told I would receive a response once the investigation was complete. After more than a week passed without any update, I followed up on XX/XX/2026 and requested a status update. I again explained that the transaction was legitimate and authorized by me and asked why it continued to be flagged as suspicious. On XX/XX/XXXX, a third Cash App Support Manager responded and provided a completely different explanation. Instead of citing security concerns, I was told that Cash App does not support certain transaction categories, including loan payments and similar financial transactions, and that I would need to use a different payment method. This explanation does not match my experience. During this same period, I successfully completed a transaction with the same merchant using the same Cash App Card through XXXX XXXX. Additionally, similar transactions had been successfully completed in the past. Throughout this process, Cash App provided inconsistent explanations for the decline and failed to explain : Why the transaction was initially declined for " security purposes. '' Why the explanation later changed to a transaction-type restriction. Why the same Cash App Card successfully processed a transaction with the same merchant through XXXX XXXX but was declined when used directly. Why similar transactions had previously been approved. Despite multiple contacts and an escalation, I have not received a clear, consistent, or technically accurate explanation regarding the transaction decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid : THE FOLLOWING IS REQUIRED : 1. Original Signed Contract Physical, legible proof of the original contract signed by me, establishing the obligation with the original creditor. 2. Full Chain of Title All assignments, conveyances, and transfers from the original creditor to your entity, dated and signed 3. Proof That You Are the " Holder in Due Course '' Pursuant to the Uniform Commercial Code ( UCC ) Articles 3 and 9, you must demonstrate that you currently hold the legal right to collect this debt not merely an unsupported assignment. 4. Pooling and Servicing Agreement ( PSA ) If this debt has been securitized, the complete PSA is required, along with the Schedule of Assets specifically identifying the debt you claim to be collecting. 5. Detailed Debt Itemization Pursuant to 12 CFR 1006.34 ( c ) ( 2 ) and the amended FDCPA, this must include

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I created this loan online and was contacted over the phone to complete the process. I had the loan for about XXXX years all payments were on time. around XX/XX/year> I went on the app and obtained a payoff amount and I made the full payoff payment that the app said was due. However I kept receiving bill notices but it was saying the amount due was XXXX so I didn't think anything of it. Then XXXX day I called the local XXXX main office in regards to trying to get a new loan and was told that I still owed them a balance. I have requested to speak with higher management, which a supervisor did call me back and only thing she told me was that the app doesn't give the correct payoff amount and that I would have needed to call the local office to get my payoff amount. However the app had a link that specifically said it was the payoff for the full loan and I explained that to the supervisor. They are still charging me a fee each month but the bill they are emailing me always say XXXX due. I went requested to speak with someone above the local office because I know I paid the balance in full. They have since changed the app and now they are saying the payoff online are correct but back in XXXX the app wasn't giving the right amounts. NO one ever contacted me until I contacted the local office. They were even confused because the app shows the payoff.

Company response to consumer: Closed with explanation