vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in XX/XX/year> I deposited a check for {$1800.00} to Citibank mobile app. The check was my income from XXXX XXXX delivery that was a money I work for the whole month. My car payment was already late. I was waiting for the check to be clear by Citibank. Instead clearing the check. Citibank block my account. I called them so many times I went to the branches so many times the bank picked up my car yesterday. I went there today. I asked them to give me the car back so they gave me onto tomorrow, which is XX/XX/XXXX to pay the remaining amount that I owe them which is {$1500.00} in order to keep the car I went to Citibank again talk to fraud department over the phone again ask them to release the money in my checking account but they just say that theyre gon na send me a check in 60 days that does not make sense to me. Im gon na lose my car since I work for XXXX. Im not gon na be able to keep the car or pay for the car if I dont pay the month so that {$1500.00} I have to pay the bank for my car is actually little more than what I owe them because Citibank is holding my check the bank that I owe loan for my car is charging me {$700.00} extra for tow truck and for storage fee, so the damages are more than what I was expecting. All Im asking is the Citibank to open my account again, which is not closed. Its just blocked. I went to the branch they checked my account and they say the {$1800.00} check. Its still in my account it just blocked. Im asking them to release the font. They are just saying that they can not verify the check. I have a email from XXXX XXXX delivery support that shows the check I went to XXXX XXXX. I talked to them. They confirmed the check is real. Theres nothing wrong with the check so I need somebody to help me solve this issue. I just need to know if its legal for a bank to hold my paycheck for 60 days. In the meantime, theyre holding my money. Im gon na lose my my car and I have to pay for damages and its gon na hurt my credit since the bank is gon na pick up my car. I believe this is not right. Its been over 20 days that Im keep going back-and-forth with Citibank with rod department branches looking for somebody to help me to get this money in 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 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX and XXXX XXXX XXXX for repeated deficient investigations, continued furnishing of disputed information, and failure to provide competent debt validation despite multiple written disputes. I disputed multiple XXXX XXXX XXXX accounts being serviced by XXXX XXXX XXXX. These disputes were sent in writing and specifically requested documentation supporting the alleged debts and verification of the information being reported to the credit bureaus. Instead of providing meaningful validation, XXXX repeatedly mailed nearly identical generic form letters dated XX/XX/year> and XX/XX/year>. These letters used boilerplate language such as provides verification of debt or initiated a review, but failed to provide the documentation requested. To date, the company has failed to provide : A signed agreement bearing my signature Complete account-level statements Documentation establishing the chain of assignment or ownership by XXXX XXXX XXXX A complete accounting of the balances claimed Evidence that a reasonable investigation was conducted Competent written responses addressing the factual disputes raised The company also repeatedly requested that I contact them by telephone despite my written notice that I require all communications to remain in writing only. Despite the lack of meaningful validation, the accounts continue to be reported to XXXX with active balances, including approximately : XXXX XXXX XXXX approximately {$2000.00} XXXX XXXX XXXX approximately {$460.00} I also documented inconsistent and conflicting reporting activity involving related accounts and furnishers, including reporting discrepancies involving XXXX XXXX and other collection accounts. I believe XXXX XXXX XXXX and XXXX XXXX XXXX are : failing to conduct a reasonable investigation after disputes, continuing to furnish disputed information without competent verification, relying on generic boilerplate responses instead of actual investigations, and continuing collection/reporting activity without providing proper validation. I am requesting : 1. A full investigation into the companys dispute and reporting practices. 2. Verification of whether a reasonable investigation was actually conducted. 3. Deletion or correction of any information that can not be properly verified. 4. Written responses only going forward. 5. Documentation identifying what evidence was relied upon to verify these accounts. I have retained copies of all dispute letters, investigation results, credit bureau updates, reporting screenshots, and repeated generic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'Before XXXX XXXX XXXX, I disputed a small fradulent charge ($XXXX) on my Capital One credit card. That issue was resolved and they sent me a replacement card with a new number. I then realized that Capital One started reporting that I had two cards. Both had the same opening date XXXX XXXX XXXX) and the same credit limit. Capital One agreed that they had made a mistake and they claim to have sent the necessary information to XXXX to remove the duplicate account on XXXX XXXX They assured me that it would be resolved in 60 days, which was 2 1/2 weeks ago. I called XXXX and they said that they never received the report and that Capital One should resend the information to XXXX.I already went through the trouble of having to send Capital One my credit report showing the error. When I called today, I spoke to a person named XXXX (whose employee identification number is XXXX). He stated that there was nothing he could do about it. I asked to speak to a supervisor and he said "there was no one above him." I even offered to call his supervisor back (or have them call me) tomorrow when they return to the office. He refused and hung up. This double-counting of my credit card balance caused me material harm, since it factored into a higher interest rate on a HELOC loan that I closed on in late XXXX. In essence, he was committing fraud on behalf of Capital One by not providing me any means to correct the issue. I even tried calling XXXX again, but they said they could do nothing without the documention that Capital One apparently never sent out on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I am filing this high-priority regulatory complaint against CREDENCE RESOURCE MANAGEMENT to enforce an absolute Cease & Desist ( C & D ) Order under 15 U.S.C. 1692c ( c ) and to formally challenge severe data-tape falsification and illegal account re-aging under 15 U.S.C. 1681s-2 [ 15 U.S.C. 1681s-2, 15 U.S.C. 1692c ]. YOU ARE HEREBY ORDERED TO CEASE AND DESIST ALL COMMUNICATIONS REGARDING THIS ALLEGED DEBT ACCORDING TO 15 U.S.C. 1692c ( c ). Your outbound servers are ordered to hardcode all telephone, text, and print communication streams to an absolute read-only, suppressed zero-contact parameter. Furthermore, a real-time forensic audit of my public credit files reveals that Credence Resource Management is broadcasting a fraudulent historical row under my identity parameters. Your live data tape for the alleged XXXX account explicitly hardcodes a " Date Opened '' parameter of " XX/XX/year> '' with a " Status Updated '' of " XX/XX/year> '' and a " Terms '' field of " 1 Month ''. This reporting is entirely non-compliant and represents a severe data-integrity deficit. Credence is a third-party debt collection agency, not a primary short-term installment lender, and is strictly prohibited from inventing a 2026 open date to artificially re-age a stale debt string on my profile. This deliberate manipulation of XXXX XXXX parameters corrupts automated consumer scoring models by weaponizing legacy text rows to simulate a brand-new financial default. I demand that your corporate compliance department execute an immediate manual ledger audit, pull this corrupted data string out of your active outgoing reporting queues, and process a permanent global deletion. You are hereby ordered to physically upload the original, itemized XXXX account closure ledger and the certified master portfolio Bill of Sale proving an unbroken chain of custody under penalty of 15 U.S.C. 1681s-2 ( b ). If your executive desk can not locate and upload this mandatory verification media before your strict 15-day regulatory countdown timer hits zero, your automated risk systems must execute a hard override and apply a permanent 'db.no_report = TRUE " suppression firewall around my identity parameters. Bypassing this mandate will log an intentional charge of Willful Non-Compliance under 15 U.S.C. 1681n, which will be immediately referred to my consumer defense firm for a civil summons in federal court [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I disputed inaccurate and inconsistent collection reporting related to this account and requested validation and documentation supporting the debt being reported. The company continued reporting derogatory information without providing sufficient documentation to verify the accuracy and completeness of the account. The information being reported across the credit bureaus appears inconsistent, including account status, balance information, and remarks. I believe the company failed to conduct a reasonable investigation and continues to report inaccurate information that is negatively affecting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a complaint and the company responded with terms that were not included/attached to the advertisement that I received via postal service. I have included a copy of the advertisement and proof of deposit required via the advertisement. The response is no where near the terms advertised therefore its false advertising.

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 2026-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have recently become aware of a item reflecting on my credit report which I am not familiar with, meaning I did not apply for this account nor did I have any knowledge of the account prior to seeing it appear on my credit report in recent weeks. The account I am referring to is a Loan Account from the creditor XXXX ( ACCT NUMBER : XXXX ) which was opened on XX/XX/year>. This account is a fraudulent account and needs to be removed from my credit report in order for accurate information to be reported on my credit report. A negative item on my credit report due to fraudulent use of my personally identifying information without my consent or knowledge has a negative impact on my ability to access credit and in turn on my life overall, so I ask that this account be removed ASAP. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and any other required items/information in order to be compliant with the law according to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) which requires credit reporting agencies to BLOCK all fraudulent information from my credit report within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT account, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in obtaining this unauthorized account and therefore am not liable it. The Account number for the loan account in question is XXXX. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my information, resulting in IDENTITY THEFT and the cause of the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this loan account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in this unauthorized account and therefore am not liable for it. ( REQUEST FOR BLOCK AND REMOVAL of the following account -- > Loan Account # XXXX, from XXXX, originating XX/XX/year>, as well as resulting fraudulent inquirie ( s ). Please respond at your nearest opportunity so this issue can be taken care of. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently become aware of a item reflecting on my credit report which I am not familiar with, meaning I did not apply for this account nor did I have any knowledge of the account prior to seeing it appear on my credit report in recent weeks. The account I am referring to is a Loan Account from the creditor XXXX ( ACCT NUMBER : XXXX ) which was opened on XX/XX/year>. This account is a fraudulent account and needs to be removed from my credit report in order for accurate information to be reported on my credit report. A negative item on my credit report due to fraudulent use of my personally identifying information without my consent or knowledge has a negative impact on my ability to access credit and in turn on my life overall, so I ask that this account be removed ASAP. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and any other required items/information in order to be compliant with the law according to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) which requires credit reporting agencies to BLOCK all fraudulent information from my credit report within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT account, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in obtaining this unauthorized account and therefore am not liable it. The Account number for the loan account in question is XXXX. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my information, resulting in IDENTITY THEFT and the cause of the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this loan account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in this unauthorized account and therefore am not liable for it. ( REQUEST FOR BLOCK AND REMOVAL of the following account -- > Loan Account # XXXX, from XXXX, originating XX/XX/year>, as well as resulting fraudulent inquirie ( s ). Please respond at your nearest opportunity so this issue can be taken care of. Thank you.

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 2026-05-28 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 have recently become aware of a item reflecting on my credit report which I am not familiar with, meaning I did not apply for this account nor did I have any knowledge of the account prior to seeing it appear on my credit report in recent weeks. The account I am referring to is a Loan Account from the creditor XXXX ( ACCT NUMBER : XXXX ) which was opened on XX/XX/year>. This account is a fraudulent account and needs to be removed from my credit report in order for accurate information to be reported on my credit report. A negative item on my credit report due to fraudulent use of my personally identifying information without my consent or knowledge has a negative impact on my ability to access credit and in turn on my life overall, so I ask that this account be removed ASAP. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and any other required items/information in order to be compliant with the law according to FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) which requires credit reporting agencies to BLOCK all fraudulent information from my credit report within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT account, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in obtaining this unauthorized account and therefore am not liable it. The Account number for the loan account in question is XXXX. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my information, resulting in IDENTITY THEFT and the cause of the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this loan account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in this unauthorized account and therefore am not liable for it. ( REQUEST FOR BLOCK AND REMOVAL of the following account -- > Loan Account # XXXX, from XXXX, originating XX/XX/year>, as well as resulting fraudulent inquirie ( s ). Please respond at your nearest opportunity so this issue can be taken care of. Thank you.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I affirm that I have no involvement in establishing or approving the specified accounts and do not recognize them. Please carry out a comprehensive review and remove them once confirmed. Documentation is attached.

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 2026-05-29 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: Block, Inc.
State: TX

Complaint narrative:
My cashapp had been compromised by someone and I tried calling CASHAPP aswell as contact there support team and I got hung up by them also they were in no help to try and get my money back the person had spent over {$1100.00} from my card and I need it for rent too pay on XX/XX/XXXX I had gotten the money sent from my parents and I need help filing a dispute too get my money back in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo regarding misleading information provided when I opened my business checking account for XXXX XXXX XXXX XXXX approximately one year ago. At the time I opened the account, I was specifically informed by Wells Fargo representatives that maintaining a daily balance of {$1000.00} would avoid monthly service fees. I relied on this information when deciding to open and maintain this business account. Recently, I noticed Wells Fargo began charging monthly service fees starting in XX/XX/year>. When I contacted customer service, I was informed that the actual required daily balance is {$2000.00}, and that the information originally provided to me was incorrect. I explained that these fees resulted directly from misinformation provided by Wells Fargo at account opening and requested reimbursement of the fees assessed. However, customer service advised that they could only reverse one fee within a 12-month period. I escalated the matter to a manager, who repeated the same response and did not provide any meaningful resolution. I also expressed that I was extremely dissatisfied with how the matter was handled and explained that I was considering closing my account because I no longer felt I could trust the information provided by the bank. The response I received was simply that I was free to close the account if I wished. I am requesting : * Reimbursement of all monthly service fees assessed beginning in XX/XX/year>, * A review of the misinformation provided at account opening, * And a review of the handling of my escalation request. I maintained this account in good faith based on the information Wells Fargo provided to me. Had I been correctly informed of the actual minimum balance requirement, I would have either maintained the proper balance or selected a different account product. I respectfully request a fair resolution to 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