vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On or around XX/XX/year>, I received notices from Citibank that the credit limits on XXXX of my credit cards were drastically reduced in an aggressive and unfair " balance chasing '' maneuver. On my XXXX XXXX card, my limit was slashed from approximately {$11000.00} down to just above my current balance of {$2700.00}. On my second Citi card, the limit was cut to {$1000.00} to closely match a balance of {$970.00}. Prior to this sudden decrease, my overall credit utilization across all citi accounts was approximately 28 %, and my per-card utilization on total credit card accounts accounts was under 30 %. I maintain a flawless payment history with Citi and consistently schedule payments well above the minimum required amounts ( for example, scheduling {$100.00} payments when only a {$41.00} minimum is due ). This arbitrary algorithmic decision artificially spiked my credit utilization on these specific accounts to nearly 100 %, unfairly penalizing my credit profile for a risk that does not exist. On XX/XX/year>, I contacted Citi via both live chat and phone to request a manual underwriting review. The customer service representatives refused to escalate my concern to credit management or an underwriter. Instead, they unhelpfully directed me to file a dispute with XXXX, despite the fact that XXXX is reporting my balances accurately and the issue lies entirely with Citi XXXX internal risk algorithm. I am requesting a manual review of my account by an authorized underwriter and the immediate reinstatement of my original credit limits.

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 2026-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Truist Mortgage is refusing to recognize my rights as a protected heir under the Garn-St. Germain Act and CFPB rules. They are refusing to provide a XXXX in XXXX track and are trying to force me into a paid retail assumption 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 explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
We were on a XXXX XXXXt and we were told if we filled out an application we would have 10 free flights. All we had to do was buy a pack of gum. We filled out the application as a joint application me and my husband then we get the credit cards then they tell us we have to spend {$3000.00} to get the XXXX miles. We spend the {$3000.00} and then they tell us we have to wait 90 days so we were lied to on the airplane when we filled the application out now we did the 90 days and theyre telling me co-applicant that I can not use the air miles only my husband can, even though I fill the application out with all my information and income. Also, they scammed us from the beginning.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am extremely concerned about how Citibank handled my account. On XX/XX/year> My account was frozen after I deposited an insurance check that was made payable to both me and my mortgage company. I was unaware that depositing the check in this manner would create an issue. At no point did Citibank contact me to notify me that my account had been frozen or that it was under investigation. I only discovered the issue when my debit card was declined while trying to make a purchase. As a result, I was unable to access any of my funds, including money unrelated to the insurance check, leaving me unable to pay my bills or meet my financial obligations. This situation has caused significant financial hardship and unnecessary stress. I understand that banks have procedures for reviewing certain transactions, but freezing my entire account without any prior communication or explanation is unacceptable. I would like to understand how this action is justified, why I was not notified, and what Citibank intends to do to address the financial impact this has had on me.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Friday, XX/XX/year>, an unauthorized charge of {$150.00} from XXXX was posted to my checking account, pushing my balance into the negative. I was forced to immediately deposit {$50.00} to {$60.00} of my own money just to bring the balance back to positive and avoid overdraft fees. Because Bank of America failed to secure my account and resolve this instantly, I was left with absolutely XXXX funds for the weekend. I have been unable to drive to work for 5 consecutive days because I have no money to put gas in my car. On Sunday, XX/XX/XXXX, I opened a dispute case. On Monday, agents told me to wait. Today, Wednesday, XX/XX/XXXX, I spent an hour on the phone, and at XXXXXXXX XXXX, a supervisor explicitly guaranteed that a provisional credit would be posted to my account within 3 hours. It has been over 5 hours. When I called back, a different agent told me I now have to wait another 24 to 48 hours. Bank of America supervisors are engaging in deceptive practices, making false promises to get customers off the phone, and withholding my funds, which is causing me severe financial hardship and preventing me from earning a living.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A Citi Cards CBNA credit card account was opened in my name on XX/XX/XXXX without my knowledge or authorization. The account was originally numbered XXXX and was later reissued as an account ending in XXXX ; it is reported with a balance of {$14000.00}. I did not apply for, open, or authorize this account. I never received the card. I never made or authorized any charge on it, and I received no goods, services, or money from it. I discovered the account on XX/XX/XXXX while reviewing my credit report. I froze my credit and filed FTC Identity Theft Report # XXXX. I filed a police report with the XXXX on XX/XX/XXXX and completed a notarized Affidavit of Identity Theft. I reported the fraud to Citibank by phone on XX/XX/XXXX and requested an investigation. Citibank investigated and, by letter dated XX/XX/XXXX, held me responsible for the account. I dispute that determination, and Citibank has never retracted it or confirmed that I have no liability. I disputed the account with all three credit bureaus and sent Citibank a copy of my identity theft documentation by certified mail. XXXX deleted the tradeline within days and confirmed by phone on XX/XX/XXXX that a fraud block was placed under its identity theft procedures and that the furnisher was notified. On XX/XX/XXXX, I sent Citibank a written request under 15 U.S.C. 1681g ( e ) for the business records relating to this account the application, the documents used to verify identity and address, and the transaction records. The statute requires these within 30 days of receipt. That request is pending, and I have not yet received the records.

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 2026-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: LA

Complaint narrative:
I am filing this complaint against Credit Control , LLC regarding its debt collection practices. Credit Control has repeatedly contacted members of my family in an attempt to reach me. Most concerning, my sister began receiving debt collection emails addressed to me at her personal email address. Neither my sister nor I provided or authorized the use of her email address for my account, nor did either of us change my contact information. As a result, my debt collection communications were sent to a third party. I am concerned that my personal debt information was disclosed to someone other than me without my authorization. I am requesting that Credit Control , LLC investigate how my sisters email address became associated with my account, provide a written explanation of how this occurred, correct any inaccurate contact information, cease any unauthorized communications with third parties, and ensure this does not happen again. I have retained screenshots and other documentation showing the communications and am prepared to provide them in support of this complaint.

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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am filing this complaint because IC System is attempting to collect a debt that is not mine and has failed to validate the debt despite my timely dispute. This is not the first CFPB complaint I have filed regarding this alleged account. Please reference CFPB Complaint ID XXXX, which involved the same alleged debt. The only apparent difference is that the amount claimed to be owed has changed. Despite my previous dispute and complaint, this account continues to reappear through different collection agencies. I received a notice from IC System in XXXX XXXX, dated XX/XX/XXXX, regarding an alleged XXXX XXXX XXXX XXXX XXXX account that does not belong to me. The notice stated that I had until XX/XX/XXXX to dispute the debt. I immediately submitted an online request for debt validation, explaining that I have never had an XXXX XXXX XXXX XXXX XXXX account or any business relationship related to this alleged debt. I also mailed a written dispute and request for validation through the XXXX. Postal Service using the collection agency 's provided form. Despite submitting both disputes within the required timeframe, I never received any response or documentation validating the alleged debt. Instead, I have continued to receive repeated collection or spam calls that I believe are related to this account. IC System has also reported this unverified debt to the credit reporting agencies, resulting in a derogatory mark on my credit report. I have disputed this alleged debt multiple times over the past year, yet it continues to be transferred to different collection agencies without any evidence that I owe the debt. The repeated attempts to collect on an unverified debt, combined with the failure to provide validation after a timely dispute, have caused ongoing harm to my credit and constitute a pattern of harassment. I request that IC System provide competent evidence that I am legally responsible for this debt. If they can not validate the debt as required by law, I request that they immediately cease all collection efforts, delete any negative credit reporting related to this account, and ensure that this alleged debt is not sold, reassigned, or reported by another collection agency in the future. I also request that the CFPB review the history of this matter, including my prior complaint ( Complaint ID XXXX ), as this appears to be the same disputed account being recycled through different collection agencies with only the alleged balance changing. This version is well-suited for a CFPB complaint because it establishes a history of the dispute, references your prior complaint by ID, and clearly requests both debt validation and corrective action.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), 15 U.S.C. S 1692 ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * 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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Traveling in XXXX with the new Citi AAdvantage card, which replaced a comparable XXXX XXXX card. The Citi XXXX authorization system didnt work properly and the net result was that my card wasnt usable. Never had a problem with the old XXXX XXXX card, and my XXXX and XXXX XXXX cards work fine. The real problems started when I tried to call to get the Citi card fixed. Multiple times over XXXX days. pehaps XXXX hours invested total without satisfaction. After fighting my way through frustrating menus and AI attendants, I would get routed screening agents who would make me retell my problems before putting me in the hold queue to wait for a fraud protection agent. Usually XXXX minute wait. I couldnt seem to get through to an agent with any international travel savvy, so it was frustrating and no resolution. Finally I wound up talking to a tech person with a thick XXXX XXXX accent and a poor VOIP connection on his end who I couldnt understand. He said " XXXX going to send you a letter ''. To which I said - " wait - XXXX outside the country and wont be home for XXXX weeks! ". He then said " too late - I already sent it. '' Fortunately I had other credit cards. XXXX weeks later, once I got home I went through the whole routine again. First day I was routed around and put into a hold queue. After about XXXX minutes a voice came on that said " sorry our system is down, call back later ''. Today after about XXXX minutes hold I did get a person who restored my account, and acknowledged that they often have problems with XXXX verification! XXXX big issues. If the Citi organization can not handle XXXX verification, that is a big problem ... and second - their customer service system is the worst I have yet encountered! Clearly I will not be carrying this card with me outside the country.

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 2026-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
XXXX. XXXX called my husband, XXXX XXXX, on XX/XX/year> to collect a hospital debt of a little over {$12000.00} for our sons XXXX XXXX. She asked him if he had a XXXX he could take out or if he could borrow money from our mortgage. She also said if he doesnt settle the debt within 30 days they would take us to court and potentially take our home and other property from us. She said it would negatively affect our credit. He offered to pay {$100.00} a month and she refused saying it had to be a certain amount which was over {$500.00} a month. That it had to be paid in full in 24 months. I called her today XX/XX/XXXX and asked if she heard of the act that protects people from things like this and she said yes. she said " I didnt ask him i only suggested it. We do it to help people. I say it on every call '' I told her it was illegal and the very least unethical. And people are barely getting by so asking them to take out more debt is not helpful. I again offered to pay {$100.00} a month that she refused as a payment plan. She claimed i was upset the debt got transferred to collections. I told her no I am upset about the way the first call was handled. she eventually hung up on me. The company 's name is Credit Bereau Systems

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 U.S.C. $ 1681a ( f ), you are governed by the Fair Credit Reporting Act ( 'FCRA '' ). 15 U.S.C. 1681, et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer file. The FCRA states that it's the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate and free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S.C. {$1600.00} ( d ), to third parties. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. See, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breaking down the requirements of XXXX ( b ), and explaining that " assure ' means XXXX make sure or certain : put beyond all doubt, '' ' [ maximum ' means the 'greatest in quantity or highest degree attainable [, ] ' and 'possible ' means something falling within the bounds of what XXXX be done, occur or be conceived. '' ( quoting XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) ) ; XXXX ) comply with the investigation requirements, as required by 15 U.S.C. 1681i ; 3 ) should not provide consumer files to companies without determining that these companies had a permissible purpose to obtain consumer files pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit card is with Citi/XXXX XXXX On XX/XX/XXXX I received email statement saying that my credit limit was reduced from {$20000.00} to {$2200.00} due to a report from XXXX Subsequently I contacted XXXX XXXX XXXX XXXX. I received my Credit Reports from these credit reporting agencies. All three reports showed that I have an outstanding record of paying all my bills on time. In fact I have never missed a payment in my entire life. I called Citi and they stated that they were not willing to review my case. I have had this account since XXXX and have never missed a payment. I feel their decision is arbitrary, without basis, and perhaps discriminatory.

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