vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing the CBNA inquiry that appears on my credit report on or about XX/XX/year>. I did not authorize Citibank North America ( CBNA ) to obtain my consumer report and did not apply for any credit product that would have provided a permissible purpose for this inquiry. I am requesting that CBNA provide documentation demonstrating authorization and permissible purpose for obtaining my consumer report. If such documentation can not be provided, I request that the inquiry be removed from all consumer reporting agencies immediately. This unauthorized inquiry has negatively impacted my credit profile and I request a complete investigation.

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 2026-06-25 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: IL

Complaint narrative:
I strongly deny having any connection to the authorization, approval, administration, or management of these accounts. I was never informed that they existed and request a comprehensive investigation into all records, approvals, and procedures associated with their establishment.

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 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank, N.A., through its collection attorney XXXX, XXXX XXXX XXXX XXXX XXXX ( attorney XXXX XXXX XXXX XXXX XXXX File # XXXX ), filed a lawsuit against me in XXXX XXXX XXXX ( Case No. XXXX ) on XX/XX/year>, scheduling a hearing for XX/XX/year>. Critically, Citibank filed this lawsuit before ever attempting to contact me through normal collection channels their own collection letter is dated XX/XX/year>, a full 13 days after the suit was filed. As of XX/XX/year>, over five weeks after filing, a complete review of the case docket shows ZERO entries constituting any proof of service, affidavit of service, or evidence that service of process was ever attempted upon me. The docket contains only ten entries, all filed on XX/XX/year> by Citibank 's attorney. I became aware of this lawsuit solely by independently searching the public court docket. No notice of any kind was provided to me through proper legal channels. I am a disabled consumer on Social Security Disability Insurance. My sole source of income is SSDI, federally exempt from garnishment and attachment under 42 U.S.C. 407. My residence is held jointly with my spouse as tenants by the entirety under Pennsylvania law. My bank account is jointly held and similarly protected. Citibank and XXXX, XXXXXXXX XXXX XXXXXXXX have no legal ability to collect on any judgment even if one were entered. Continuing to pursue collection and active litigation against a consumer who is demonstrably judgment-proof with SSDI income federally exempt from garnishment under 42 U.S.C. 407, real property protected under Pennsylvania tenancy by the entireties, and bank accounts jointly held and beyond individual creditor reach constitutes harassment under FDCPA 1692d. Where no legal mechanism exists to collect on a judgment, the natural and inevitable consequence of continued collection activity and litigation is to oppress and abuse the consumer through the burden of defending against fundamentally futile legal proceedings. This is precisely the conduct Congress intended to prohibit. Furthermore, collection of any amount not legally recoverable constitutes an unfair and unconscionable practice under FDCPA 1692f.

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 2026-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
My mortgage from Wells Fargo was sold and I was not given enough notice to refinance my loan. I do not trust the lender my loan was sold to and I want to refinance before the change takes place but I was not given enough notice.

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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am Trustee on my mothers XXXX account, and I was speaking with our Trust lawyer on distributions, via email. On XX/XX/XXXX, I wired a large sum of money ( {$800000.00} ) to who I thought was my lawyer, but his or my email was compromised and spoofed, and I wired money to a phishing scam at XXXX. My bank is Ally Bank. On XXXX the XXXX Ally contacted me again to verify veracity, and I was told that XXXX had tagged their account as possible fraudulent account. The monies were on hold apparently, so upon discovering the fraud, we stopped the wire and demanded a Recall. Since then I have called nearly every day but the bank tells me its still under investigation. I have submitted police reports and have filed with XXXX as well. I call the FBI but they refuse to answer and only suggest XXXX which I have done. I have also spoken with XXXX XXXX XXXX but because I don't have an account with XXXX they will not provide me much info, and citing privacy laws. They also tell me its under investigation, and that the back offices are speaking to it and I should get the info from Ally Bank. It has been weeks and I am getting the run around, and I want to escalate this. I want Ally bank to aggressively campaign for the return of my families money, but I don't feel they are doing all they can to force XXXX to comply. And XXXX purposely avoids consumers calling, using automated recordings to avoid interaction. I wish to file against XXXX as well.

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 2026-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX I opened an account with Service Finance for a new AC for my house. Since that I have made multiple attempts to create an account. I have called and sent emails to this company. They keep telling me to try again tomorrow. Eventually I had to make a payment over the phone the day my payment was due because the website doesn't let me create an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I used to have a US bank XXXX XXXX credit card which offered {$320.00} XXXX XXXX XXXX XXXX XXXX. By the US bank rule, purchases made through the U.S. Bank Travel Center would qualify the credit, that's the only criteria. https : //useyourcredits.com/benefits/benefit/us-bank-altitude-reserve-travel-dining-credit/ Sorry, since this card has been discontinued, I can not find the US bank official page for this info. I spent {$270.00} on XX/XX/XXXX through the U.S. Bank Travel Center, it was not reimbursed. I have called multiple times in XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX but this issue has not been resolved. During the last call in XXXX, I was told the expense must be coded as airline, hotel, taxi, etc, to qualify the reimbursement. My argument is, as long as I purchase through the US Bank travel center, it qualifies. However, the US bank rep added additional rules which are not publicly known.

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 2026-06-25 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: IL

Complaint narrative:
On XX/XX/year>, I placed an order on XXXX ( Order XXXX XXXXXXXX ) which contained a XXXX XXXX perfume and XXXX running sneakers. The total was {$550.00}. I was prompted to place this order after seeing an advertisement on their website that they were offering 25 % off in statement credits if you opened up a Bloomingdales credit card. I was immediately approved and placed my order for the aforementioned items. My items were then shipped via XXXX ( tracking XXXX XXXX XXXXXXXX ). The photo XXXX has documented on their website when you track this package has a different door frame and glass door with no doormat. I have a much larger door frame and a screen door, along with a doormat. I submitted very detailed photos when I filed my dispute of both my door and the XXXX XXXX took. Even though they are obviously different locations, XXXXXXXX XXXX credit card department denied by disputes claiming in the letter, " In reviewing your account, we found that the merchandise was delivered to the address you requested '' which is impossible and extremely frustrating, especially when I provided photos of the differences. Additionally, they did not adhere to the 25 % statement credits and instead, only 20 %. I have screenshots of this advertisement as well - the only reason I signed up for a card. This feels very bait and switch and/or conspicuous disclosures were absent.

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 2026-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Bank Delaware. XX/XX/year> This inquiry was made without my knowledge and if effecting my credit score.

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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : I.C System, INC Reported Balance : {$320.00} Opened XXXX XXXX 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 2026-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone stole my identity and opened a fraudulent account at USBank, Account Number XXXX, Routing XXXX, opened XX/XX/XXXX, closed for cause XX/XX/XXXX, using my Social Security number XXXX without my knowledge or consent. I was living in Texas while this account was opened and used. ACH transactions were returned for Insufficient Funds in XX/XX/XXXX. This fraudulent entry appears on my XXXX XXXX XXXX file and has prevented me from opening any bank account since XXXX despite earning {$20000.00} per month. I filed FTC Identity Theft Report number XXXX and submitted a dispute to XXXX on XX/XX/XXXX. USBank has not contacted me or removed this entry.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am experiencing severe financial hardship due to MoneyLion 's failure to release an authorization hold for {$410.00}, despite the merchant ( XXXX ) confirming the hold is voided. Instead of helping me as promised by phone agent, they sent an email with instructions to give to XXXX to do what they had already done : released the hold. This is not just a banking error ; it is a critical medical emergency. I am a caregiver for XXXX children with complex, life-threatening genetic disorders ( XXXX, XXXX XXXX, and terminal leukodystrophy ) who require strict, XXXX-XXXX diets. My husband also has XXXX XXXX ( XXXX and XXXX XXXX ) and a XXXX disorder. Because my funds are frozen, I can not purchase the specific medical nutrition my children require to survive, nor the XXXX-XXXX diet items for my husband. MoneyLionXXXX refusal to accept the merchant 's release is causing direct medical harm to my dependents. I am requesting an immediate manual override of this hold to restore my access to these funds.

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 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America , N.A . filed a lawsuit against me in XXXX Court of Common Pleas ( Case ID XXXX ) with an arbitration hearing scheduled for XX/XX/XXXX. To date, Bank of America has made only one service attempt on XX/XX/XXXX which failed, with the process server noting I was 'not found. ' No further service attempts have been made in the two months since. I have never been served with the complaint or any other document in this lawsuit. I formally filed a Motion to Dismiss with the Court of Common Pleas ( E-Filing No. XXXX, filed XX/XX/XXXX, accepted XX/XX/XXXX, XXXX XXXX XXXX. XXXX, response date XX/XX/XXXX ). Critically, the court waived the {$67.00} filing fee under In Forma Pauperis status an independent judicial confirmation of my financial hardship. My sole income is Social Security Disability Insurance ( SSDI ), federally exempt from garnishment under 42 U.S.C. 407. My residence is held jointly with my spouse as tenants by the entirety under Pennsylvania law. My bank account is jointly held and similarly protected. Bank of America has no legal ability to collect on any judgment even if one were entered. Continuing to pursue collection and active litigation against a consumer who is demonstrably judgment-proof with SSDI income federally exempt from garnishment under 42 U.S.C. 407, real property protected under Pennsylvania tenancy by the entireties, and bank accounts jointly held and beyond individual creditor reach constitutes harassment under FDCPA 1692d. Where no legal mechanism exists to collect on a judgment, the natural and inevitable consequence of continued collection activity and litigation is to oppress and abuse the consumer through the burden of defending against fundamentally futile legal proceedings. This is precisely the conduct Congress intended to prohibit. Furthermore, collection of any amount not legally recoverable constitutes an unfair and unconscionable practice under FDCPA 1692f.

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 2026-06-25 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: CA

Complaint narrative:
XX/XX/XXXX I received a text message from Wells Fargo asking if I recognize a declined transaction of {$70.00} on my ATM card and I texted back no and called WF number and informed them that I do not recognize the transaction. I also told them about an unauthorized transaction of {$720.00} on my ATM card which they did not decline. The agent I spoke with asked me if I lost my card or my device and I said no because I did not lose them. The agent told me that the money was taken out of an ATM machine in city of XXXX XXXX which is XXXX away from my location. She also said that they used XXXX XXXX at the ATM machine. The agent places a restriction on my card, and she said that she will order a new card for me. She also said that a claim was submitted to investigate on the issue. I told her that I did not authorize that transaction. XX/XX/XXXX I checked on my claim, and it was denied for reason that I do not remember the transaction. I did not receive any phone call or correspondence regarding an ongoing investigation. I asked what kind of investigation they did to determine the denial. They said that because I did not lose my ATM card or device, they can not prove that I did not authorize the transaction. I was not in that location and that I can prove it. They said it did not matter. I requested to reopen the claim and further investigate. XX/XX/XXXX I followed up and the agent said that the request was underway, but they have to investigate first before they can reopen the claim. The agent also said that it is XXXX that is doing the investigation and that if Wells Fargo were in charge, they would give me back my money. So, I waited. XX/XX/XXXX I followed up again and called the claims department and I was told that for the same reasons as mentioned above they have to keep the claims denied and case closed. I spoke to their resolution XXXX who told me that there is nothing else they can do for me. She said that XXXX XXXX is a secure app and that my credentials were used and therefore it means that I authorized the transaction which is not true. She refused to help me further and reiterated that by their policy there is nothing else they can do for me. WF need to improve their security with the rise in digital crimes against consumers. They do not advocate for their customers. They allow thieves to get their money and suffer consequences. They only cover customers if they lose their card or device which means their security policies are obsolete and way behind high crimes and technology nowadays. They should be held accountable in advancing their technology and security systems.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am filing this complaint against Bank of America regarding a credit card balance transfer promotional APR issue. I submitted/requested a balance transfer while a 0 % APR promotional balance transfer offer was still active on my Bank of America credit card account. The transfer did not complete because the lienholder/payoff information was incorrect, and I was told the transfer would need to be corrected or resubmitted. By the time I was required to resubmit the corrected information, the 0 % APR promotional offer was no longer available. I believe this should be treated as a correction or continuation of the original balance transfer request, not as a brand-new request, because I initiated the transfer during the active promotional period. I am requesting that Bank of America honor the original 0 % APR balance transfer promotional terms based on the date of my original submission/request. I am also requesting written confirmation of the APR, promotional period/end date, balance transfer fee, and whether the corrected transfer will be processed under the original promotional terms before any transfer is completed. I do not authorize Bank of America to process the corrected/resubmitted transfer at the regular non-promotional APR unless Bank of America clearly confirms the APR and terms in writing first. I have contacted Bank of America about this issue and am requesting assistance because the promotional balance transfer terms I relied on when submitting the original request are not being honored after the correction/resubmission issue.

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 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I have old credit card debts that i was unable to pay. I have tried to attempt to pay but because I was out of work for a while, I fell behind with payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: CA

Complaint narrative:
I am disputing a collection account being reported by LJ Ross Associates on behalf of XXXX XXXX. LJ Ross Associates placed a hard credit inquiry on my credit report of {$220.00} for debt collections. This was in relation to a utility company in Michigan ( XXXX XXXX ) and someone using my personal information to open a utility account with XXXX XXXX and commit identity theft against me. I never once received any communications regarding the utility balance in text, email, or phone call. I have never lived in Michigan and do not recognize the service address associated with this account. I have filed an FTC Identity Theft report, police report, and disputes with the credit bureaus. The account appears to be the result of identity theft. I have requested debt validation, but the information does not belong to me. I am requesting investigation and removal of inaccurate reporting from my credit profile.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation