vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am writing to formally dispute a {$29.00} " Fee for Returned Check '' charged to my Citi/AAdvantage XXXX XXXX XXXXXXXX on XX/XX/XXXX. This fee appears to have resulted from an autopay processing or account-linking issue rather than customer error or insufficient funds. 1. Six Months of Perfect Payment History I have had autopay successfully configured between my Citi credit card and my XXXX XXXX checking account for at least six consecutive months prior to XX/XX/XXXX. Autopay payments from XX/XX/XXXX through XX/XX/XXXX processed successfully using the same XXXX account. 2. The XX/XX/XXXX Failure The autopay draft on XX/XX/XXXX was returned with ACH XXXX XXXX ( Invalid Account Number ), as shown in my attached Citi billing records. My XXXX account number has never changed. Notably, I made no modifications to my autopay settings prior to this failed transactions. Additionally, Citi 's own Payment Activity screen displayed two different internal reference numbers associated with the same XXXX account ending in XXXX XXXX digit number prior to XX/XX/XXXX and ending in a different 4 digit number after I re-entered the same account information on XX/XX/XXXX. This raises concern that the payment may have been processed using incorrect account-linking information within Citi 's system rather than my actual XXXX account number. 3. Immediate Good-Faith Response Upon receiving notice on XX/XX/XXXX that the autopay transaction had failed, I immediately re-linked the same XXXX account and manually paid the full balance to that day. This payment was made more than one week before the due date. No late payment occurred. 4. Unresolved After Six Phone Calls I contacted both Citi customer service XXXX separate times and XXXX customer service three separate times on XX/XX/XXXX in an effort to resolve this - Citi directed me to XXXX ; XXXX directed me to Citi. XXXX representatives consistently stated that : They had no record of returning or rejecting a payment to Citi in XX/XX/XXXX, and No stop payment request had ever been placed on my account. Citi representatives provided conflicting explanations regarding the failed transaction and ultimately declined to waive the fee while also being unable to provide clear documentation establishing customer error.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint against Experian, Equifax, and TransUnion regarding their continued failure to properly investigate and correct inaccurate and incomplete reporting associated with multiple accounts despite my prior disputes and requests for reinvestigation under the Fair Credit Reporting Act. The accounts involved include XXXX XXXX XXXX XXXX XXXX, which continues reporting a LATE 30 DAYS entry for XX/XX/year>, XXXX XXXX and XXXX, which continue reporting LATE 30 DAYS, LATE 60 DAYS, LATE 90 DAYS, and LATE 120 DAYS, as well as XXXX XXXX XXXX XXXX XXXX , which continues reflecting historical negative payment history and delinquency reporting that appears inconsistent and unverifiable. I previously requested complete verification of these accounts, including full payment history records, method of verification, first delinquency dates, account-level documentation, and supporting records pursuant to FCRA 609 ( 15 U.S.C. 1681g ), FCRA 611, FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), 15 U.S. Code 1666, and 15 U.S. Code 1666a ; however, the credit bureaus and furnishers have failed to provide sufficient documentation proving the accuracy and completeness of the reported information while continuing to publish damaging derogatory payment history across my credit reports. The reporting remains inconsistent between the bureaus, incomplete regarding historical payment data, and inaccurate concerning delinquency status, balances, and account histories.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Block, Inc.
State: PA

Complaint narrative:
I had a direct deposit go in XXXX XXXX it was rejected by Cash App my hr department verified and sent proof everything was correct on there end and it all went through Cash App is giving me the run around saying system error and they have to escalate it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract signed between 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, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account to be taken off immediately. As a result this debt is preventing me from being able to move forward with my life as this negatively impacts my credit score. Per the lawsuit filed by the CFBP on XX/XX/XXXX, this collection agency is still actively engaged in the practices below. Any debt collectors, or associated persons, in connection with collecting debt and furnishing information to consumer reporting agencies ( CRAs ) have : ( 1 ) made false or misleading representations to consumers, made prohibited communications to consumers or third parties, collected or attempted to collect amounts from consumers that could not lawfully be collected, in Case XXXX Document XXXX Filed XX/XX/XXXX Page XXXX of XXXX A manner that is unfair, deceptive or abusive, in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, 5536, and/or in a manner that violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., principally 1692d-g ; ( 2 ) furnished inaccurate information to CRAs while knowing or having reasonable cause to believe the information was inaccurate or after having been notified by consumers that furnished information was inaccurate, failed to correct furnished information that it determined was inaccurate, failed to follow required procedures upon receiving notices of dispute, and failed to establish and implement appropriate policies and procedures, and/or failed to perform other duties of a furnisher, in a manner that violates the FCRA, 15 U.S.C . 1681 et seq., principally 1681s-2 ( a ), ( b ), and Regulation V, 12 C.F.R. Part 1022, principally Subpart E ; ( 3 ) failed to follow required procedures for notice and validation of debts in a manner that violates the FDCPA, 15 U.S.C. 1692 et seq., principally 1692g ; and ( 4 ) engaged in any other conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt from consumers in a manner that is unfair or unconscionable, in violation of the FDCPA, 15 U.S.C. 1692 et seq., principally 15 U.S.C. 1692d and 16921, and/or in a manner that is unfair or abusive in violation of the CFPA, 12 U.S.C. 5531, 5536. The purpose of this investigation is also to determine whether Bureau action to obtain legal or equitable relief would be in the public interest.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
1. The late payment data being furnished does not meet XXXX XXXX accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$17000.00} 2. The late payment data being furnished does not meet XXXX XXXX accuracy thresholds and lacks verification per FCRA 623 ( a ) ( 1 ) ( B ). If can not substantiate these delinquencies with full payment records the tradeline must be corrected or removed. XXXX XXXX DATE OPENED XX/XX/XXXX 3. This was paid before it went to the charged off. Please delete this immediately. XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$79000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest Credit Systems , L.P. has repeatedly contacted me regarding an alleged debt that I dispute and do not believe is valid. Over multiple communications, I requested validation and documentation of the alleged debt, including proof of the original creditor, proof of assignment, an accounting of the amount allegedly owed, and documentation showing I am legally responsible for the debt. Despite these requests, the company continued collection efforts without adequately providing the requested documentation. The company continued contacting me through repeated phone calls, emails, and SMS/text messages after I informed them that the alleged debt was disputed and requested that the communications stop. I also requested to be removed from their contact list, but the communications continued. I believe the companys conduct constitutes excessive and harassing collection activity. I also revoked any consent for the company to contact me through telephone calls, automated calls, prerecorded messages, text messages, or electronic communications. To date, Southwest Credit Systems has continued attempting to collect on the disputed account without properly validating the debt while continuing repeated collection communications. I am requesting : * Immediate cessation of all collection communications; * Proper validation of the alleged debt; * Removal of any inaccurate or unverified reporting associated with this account; * Confirmation that my contact information will no longer be used for collection purposes; * Investigation into the companys collection and communication practices. I have maintained records of calls, text messages, emails, and related communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX XXXX for {$500.00} each. Tried using them to pay my property taxes online as my local county clerk accepts debit/gift cards. None of the cards work as it failed process by InComm ( transaction shows as declined by card issuer ). I have called the company and reported the issue. Was giving different information by different people. The cards are supposed anywhere master card is accepted. I was able to open the case to get a check refund for all those cards. Case # XXXX. I have not received any communion or letter from the company by now. It has been 3 or 4 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am submitting a formal consumer complaint against XXXX XXXX regarding systemic reporting violations under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681s-2 ) on my active FHA mortgage ( Account # XXXX ). This account underwent an official loan modification following a designated period of forbearance, which is explicitly confirmed by the internal account comment fields stating 'Loan Modified. However, the historical payment tracking matrix continues to carry highly damaging 60-day and 90-day delinquency markers from XX/XX/XXXX and XX/XX/XXXX. Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act provisions and concurrent CFPB compliance rules, a mortgage servicer is legally prohibited from reporting a modified or protected forbearance account with frozen, suppressive, or outdated historical arrears markers that mask the consumer 's current standing. Capitalizing or adjusting a loan balance via modification requires an immediate structural adjustment of the historical credit reporting matrix to show a status of 'Current '. Maintaining these toxic historical past-due indicators on an actively modified loan is a direct violation of federal data integrity mandates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My XXXX XXXX and personal information were stolen. After the theft, unauthorized withdrawals were made from my Cash App account that I did not authorize. I am requesting that Cash App review the unauthorized activity and reimburse any funds that were withdrawn without my permission. I believe my account was accessed by someone other than me after my phone was stolen. I am seeking a fair resolution and reimbursement of the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for two Citi credit cards in XXXX and earned the sign up bonuses in each. My account was temporarily frozen for income verification, which I complied with immediately. Forms were downloaded and retuned prior to receiving the actual forms in the mail. Due to issues between Citi and the IRS, my account was eventually closed in error and all earned points erased. When they were justly reopened with the same account numbers, I was assured that the points would be returned. They have not been despite dozens of calls and hours of time spent. Frontline customer service has been great, but the team responsible for researching issues has been disappointing, responses seem confused/lazy and they have never reached out for any clarification. Timeline : XX/XX/year> : Approved for Citi XXXX XXXX with XXXX sign up bonus XX/XX/year> : Awarded sign up bonus after meeting minimum spend XX/XX/year> : XXXX XXXX frozen for income verification, immediately complied with necessary forms XXXX XXXX : Customer Service confirmed multiple times that forms are received and there was nothing more I could do to expedite XX/XX/year> : Approved for Citi XXXX with XXXX sign up bonus XX/XX/year> : Awarded sign up bonus after meeting minimum spend XX/XX/year> : Both accounts closed and points XXXX out XX/XX/year> : Accounts reopened XXXX XXXX XXXX : Dozens of calls and hours of time trying to get earned points back with no success Points Owed Citi XXXX XXXX is owed XXXX points Citi XXXX is owed XXXX points

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: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
Cavalry Portfolio Services has attempted to collect and/or report an alleged debt that I dispute and do not recognize. I never opened, authorized, applied for, or benefited from the alleged account being associated with me. Despite this, the company has continued collection activity and/or reporting regarding this alleged debt. I requested validation and verification of the account, including documentation showing that I legally opened or authorized the account, proof of assignment, and documentation establishing Cavalry Portfolio Services authority to collect and report the debt. To date, adequate validation has not been provided. I also disputed the accuracy of the reporting and requested removal of any inaccurate, unverifiable, misleading, or fraudulent information being furnished to consumer reporting agencies. Despite these disputes and requests, the company continued collection efforts and/or reporting activity regarding the alleged account. I believe the company failed to conduct a reasonable investigation into the disputed account and may be continuing to furnish inaccurate or unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I requested : * Validation of the alleged debt; * Documentation bearing my signature; * Proof that I legally authorized or opened the account; * Proof of assignment/ownership ; * Removal of inaccurate or unverifiable reporting; * Cessation of collection communications. I am requesting that the company : * Immediately cease collection activity ; * Conduct a proper investigation; * Remove and delete all inaccurate or unverifiable reporting associated with the account from XXXX XXXX XXXX XXXX; * Confirm that the account will no longer be reported or collected unless fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: MN

Complaint narrative:
ESCALATE to CFPB supervisor U.S. Bank has failed to activate the lossdraft process for an active insurance claim on an estate property. This is my third written request. The property remains unrepaired, the insurance claim is unresolved, and probate can not close because repairs and insurance proceeds have not been completed. This is the third request. U.S. Bank has not contacted XXXX XXXX or requested the required documents needed to begin repairs. As the mortgage servicer and lossdraft administrator, U.S. Bank is responsible for protecting the collateral and ensuring that insurance proceeds are properly applied to restore the property. Their failure to act is delaying repairs, delaying the estate, and preventing the property from being restored to a safe condition. I have requested that U.S. Bank obtain the following from XXXX XXXX : XXXX. Updated claim status XXXX. Updated estimate and scope of loss XXXX. Confirmation of all undisputed funds XXXX. Confirmation of any supplemental amounts required XXXX. Any documents needed to proceed with repair disbursements U.S. Bank has not responded or taken action. This is a servicing failure and a failure to protect the collateral under FHA/HUD servicing requirements. I am requesting CFPB assistance to require U.S. Bank to activate the lossdraft process, contact XXXX XXXX obtain the required documents, and begin the repair workflow.

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 card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute the reporting of six late payments currently appearing on my credit report regarding my credit card account with Capital One Bank. Prior to my auto accident, I maintained an excellent payment history and consistently made my payments on time. Unfortunately, I suffered serious hardship following the accident, which required me to take time away from work while I healed and recovered. During this difficult period, my income was significantly impacted, making it temporarily impossible for me to maintain my regular payments. I attempted to communicate with the credit card company regarding my financial hardship and requested assistance or accommodation during my recovery. However, the creditor was unwilling to work with me despite the circumstances surrounding my medical recovery and inability to work. The late payments reported do not accurately reflect my overall payment history or financial responsibility. Aside from the months directly affected by my accident and recovery, I have otherwise maintained timely payments on my account. Once the amount was sent to a collection agency I set up two payments of XXXX dollars to be payed to capital one bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: TX

Complaint narrative:
I received a letter from US Bank on XX/XX/year> stating that my APR will increase from 10.74 % to 17.74 % starting XX/XX/year>. In the later US Bank states that the increase is because too many inquiries, ratio of balance to credit limit on revolving accounts is to high, lack of recent installment loan information, and time since most recent account opening is too short. I went to different credit check agencies to verify this information including the agency that US Bank is associated with and I do not have anything US Bank is claiming on my credit report. I have XXXX late payments, 8 % of credit used, XXXX credit inquiry in the last XXXX years, age of credit XXXX years, and a credit score of XXXX. There is no reason for US Bank to increase my APR. I called their customer service and no one could explain why the APR was going up. A supervisor was supposed to contact me about this issue and hasn't.

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