vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, Bank of America notified me of charges that were flagged as suspicious and asked me to verify if I had made those charges, at which time I confirmed that they were not valid charges and requested the account be closed. The bank noted that the charges would be submitted as fraudulent, and I would not be charged. On XX/XX/year> I was notified that the charges never posted and that there was nothing else for me to do. After that, Bank of America created a new account in the amount of the fraudulent charges {$330.00}. After 4 separate days and more than 4 hours on the phone, I have yet to have this matter resolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was charged {$800.00} but i wasnt the one making the purchase. I disputed XXXX bank of america but receiced no help

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
They restricted my account with all my money due a deposit in which I sent proof that this was valid and sent in identification verification as well as proof of deposit. They have been rude and have given me the run around. This is my only source of income my job is in jeopardy because I cant get there with no gas and I am with no money for my children or bills. I have never had account in bad standing nor have I had any disputes or anything wrong with my account for almost 5 years now. They refuse to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was the victim of a fraudulent hotel booking and payment scam involving XXXX transfers through Citibank. I was manipulated into sending money to an individual identified to me as XXXX XXXX XXXX, who falsely represented hotel-related booking services connected to XXXX XXXX hotel accommodations. After realizing I had been scammed, I immediately contacted Citibank and opened fraud claims regarding the XXXX transactions. I also contacted the investigations/security department connected to XXXX XXXX operations in XXXX XXXX and provided them with the scammers name, details surrounding the incident, and the full story of what occurred. During the Citibank investigation process, I requested additional information regarding what investigative steps were actually taken, whether the receiving bank was contacted, and whether supporting evidence such as XXXX conversations, phone numbers, transaction details, and identifying information connected to the scammer could be reviewed. I was not provided meaningful details about the investigation and was unable to speak directly with the investigations department. I informed Citibank that I had supporting evidence tied to the scam, including communications and identifying details related to the recipient and the fraudulent representations made to me. Despite this, the claims were denied primarily because the XXXX transfers were technically authorized by me, even though they were made under fraudulent circumstances. I believe Citibank failed to conduct a meaningful investigation into the scam and failed to properly evaluate the evidence available. I am requesting a full reinvestigation of the matter, including clarification regarding what investigative actions were taken, whether the receiving bank was contacted, and whether the supporting evidence I referenced was reviewed. I have also filed reports regarding this incident with appropriate authorities, including the FBI IC3 reporting system.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I attempted to log into my Cash App account and discovered that my funds ( {$1400.00} ) were no longer available. I contacted Cash App support by phone multiple times regarding the missing funds. During these calls, I was instructed to complete identity verification. I completed the verification process as requested, but my account continued to be blocked and I was unable to access the funds. Cash App support representatives repeatedly informed me that they could see that the tax refund funds had been deposited into the account in XXXX, but despite acknowledging the deposit, the funds have still not been returned or made accessible to me. In XX/XX/XXXX, I contacted the IRS regarding the missing refund. The IRS sent me a letter confirming the account where the refund was deposited and the amount of the refund. The IRS instructed me to contact XXXX XXXX regarding the matter. On XX/XX/XXXX, I contacted XXXX XXXX by email and provided the information requested. XXXX XXXX responded that they do not handle Cash App account payments directly and instructed me to contact Cash App instead. For the past several months, I have repeatedly contacted Cash App support, the IRS, and XXXX XXXX in an attempt to resolve this issue. Each company has redirected me back to another party, and despite multiple efforts, the matter remains unresolved and I still do not have access to the tax refund funds that Cash App confirmed were deposited into the account in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: TX

Complaint narrative:
I submitted an application for the XXXX XXXX credit card on XX/XX/year>. On the same day, I received notices stating that ( 1 ) my XXXX credit file needed to be temporarily unfrozen and ( XXXX ) additional identity verification was required due to a consumer statement on my credit report. I promptly completed the requested identity verification steps and repeatedly maintained temporary XXXX credit thaw access so the application could be reviewed. I extended the thaw multiple times between XXXX and XX/XX/year> based on ongoing representations from XXXXBilt support that the application remained under review or was being escalated. Despite numerous phone calls and written follow-ups beginning in XX/XX/year>, I was repeatedly told only that the application was under review or had been escalated. I was not provided with a substantive status update, a final approval or denial decision, or a clear explanation of any remaining requirements preventing completion of the review. I also repeatedly requested escalation to supervisors or alternative review departments but was unable to obtain a meaningful escalation path. On XX/XX/year>, Bilt Support informed me in writing that the application had encountered a technical timeout in the underwriting stage, which they stated was the reason I had not received a definitive approval or denial despite prior follow-ups. Even after this acknowledgment of a technical underwriting issue, XXXX continued providing only generalized escalation responses without identifying a specific corrective action, outstanding verification requirement, or expected resolution timeline. As of the date of this complaint, the application remains unresolved more than six weeks after submission despite repeated follow-up efforts and continued cooperation on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was the victim of a scam that resulted in a fraudulent wire transfer of approximately {$40000.00}. I was manipulated into sending the wire under false pretenses. As soon as I realized I had been defrauded, I immediately contacted Bank of America and reported the incident. I requested a wire recall, a fraud investigation, and confirmation of any recovery efforts with the receiving bank. Despite reporting the fraud promptly, I was told that I might not get the money back and that I was not insured, without receiving a clear explanation of what actions were taken or whether any funds were frozen. Bank of America did not provide sufficient information about the investigation, the steps taken to recover the funds, or the results of any communication with the receiving bank. I requested documentation, investigation findings, and clarification of their fraud procedures, but I did not receive meaningful updates or transparency. This loss has caused significant financial hardship. I am requesting a full review of the transaction, confirmation of all recovery efforts, documentation of the investigation, and a clear explanation of how my claim was handled.

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 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV has been harassing me about a debt that they do not own. They have refused to provide any proof of ownership, tax information, or other requested information. They have also violated my Cease-and-desist order by constantly sending letters and calling me at least 15 times per day. I first responded to them on XX/XX/year>, sending a cease-and-desist letter, which they ignored and continue to ignore. I also contacted all 3 credit bureaus that failed to do a proper investigation, or share their method of verification. Now, LVNV is trying to sue me for a debt that they do not own, and that was written off by the original creditor. They relentlessly call me at all hours of the night and day. My right have been violated by LVNV and the credit Bureau 's. I have also received a letter from an attorney hired by LVNV by the name of XXXX XXXX XXXXXXXX. There has recently been another collection placed on my account that I have over 15 years ago, which was paid. I contacted the credit bureau 's and the company that placed it on my report.No one has responded to me concerning my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
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. Due to this misleading information I have not been able to place my children in the proper neighborhood my daughter has a XXXX and I need more resources due to this damaging my score I cant get into the right school district. My child has been bullied and assaulted. I need this remove to put them in a better situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding an indefinite restriction placed on my ability to use XXXX through Truist Bank. I have been a Truist customer for over XXXX years and have consistently used XXXX without issue until recently, when my phone number was suddenly restricted from using the service. After contacting Truist multiple times, I was informed that the restriction was related to fraudulent or suspicious activity allegedly associated with a transaction sent to me. However, no representative has been able or willing to provide any meaningful details, documentation, explanation, or evidence supporting this decision. I was only told that the restriction is indefinite and can not be reversed. I strongly dispute any implication of fraud on my part. I have proof and records of my transactions and offered to provide supporting documentation, but no one has reviewed or requested that information. I have not been given an opportunity to defend myself, dispute the claim, or understand the basis of the restriction. What is even more concerning is that this restriction now appears to extend beyond Truist itself. I recently opened an account with another financial institution, XXXX XXXX XXXX XXXX, and was immediately informed that my phone number was ineligible to enroll in XXXX. However, I am still able to use XXXX through another bank account tied only to my email address, which strongly suggests that my phone number has been flagged internally within the XXXX XXXX XXXX network . This restriction has negatively impacted my ability to send and receive money and has caused significant financial inconvenience and distress. I am requesting the following : XXXX. A formal review of the restriction by Truists executive resolution or fraud/risk department. XXXX. A clear explanation of the basis for the restriction and any allegations made against me. XXXX. Copies of any records, reports, or documentation used to justify this decision, if legally permissible. XXXX. Information regarding whether Truist reported my phone number or account to XXXX XXXX XXXX or any other third-party fraud/risk system. XXXX. Guidance on the process for disputing or reversing this restriction if inaccurate information was used. I respectfully request that this matter be investigated thoroughly and fairly, as I believe I have been improperly flagged without transparency or due process.

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 2026-05-27 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: VA

Complaint narrative:
I notified Citibank XX/XX/year> that I made a purchase XX/XX/year> with a transaction date of XX/XX/year> for {$130.00}. The ordered item was never received. I made the purchase with an online vendor called XXXX, but my statement showed the transaction with XXXX XXXX XXXX. I ordered a wall sconce XXXX XXXX which has a shipping weight of approximately 10.6 pounds. XXXX provided USPS tracking information for a one-ounce letter. Citibank was informed of the fraud but failed to take corrective action. I first filed an online dispute which they denied because of the tracking information provided by the vendor. I called Citibank XX/XX/year> and explained that the item I ordered weighs 10.6 pounds. They said they would reopen the case, but this would take 7-10 days. I called back and was told that I did not allow enough time because it is only business days counted. I called on XX/XX/year> and was told it XXXX take up to 90 days to adjudicate my dispute. Nobody from Citibank ever requested more information from me. I called again on XX/XX/year> asking if I may provide documentation to support my claim. I was told to send it to XXXX. I did comply only to receive a letter from Citibank on XX/XX/year> explaining my documentation was " received after time frame XX/XX/year> and therefore they have no means to assist in this dispute. '' I have spent more than five hours trying to get assistance from Citibank. Needless to say, I'm very disappointed in their customer service and implicit support of fraudulent vendors.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Description of Incident : I am filing a formal complaint against SoFi Bank, N.A. for a direct violation of the error resolution notice and disclosure requirements under Regulation E ( 12 CFR 1005.11 ). On XX/XX/year>, an unauthorized duplicate Zelle transaction occurred on my account for {$500.00}. I promptly initiated an electronic fund transfer error dispute with the bank. SoFi summarily denied the claim on XX/XX/year>, within a XXXX window, stating the transaction was " authorized or correct '' without conducting a technical audit of the duplicate processing error. Following this denial, I formally exercised my consumer rights under Regulation E ( 12 CFR 1005.11 ( d ) ( 2 ) ) and requested that SoFi provide a Written Explanation of Findings along with copies of all documentation, network settlement data, and investigation logs the bank relied upon to determine the transaction was correct. In response, SoFi provided a template document ( attached ) which explicitly states : " due to the nature of XXXX transactions no further details or documentation is required for the investigation. '' This is a written admission that SoFi refuses to conduct the mandatory error resolution investigations required under Regulation E for electronic fund transfers. They are incorrectly asserting that peer-to-peer electronic fund transfers are entirely exempt from federal consumer protections regarding duplicate processing, computational, and bookkeeping errors.

Company response to consumer: Closed with explanation