vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PLS GROUP, INC
State: IN

Complaint narrative:
I previously received Social Security benefits through an XXXX prepaid card account serviced through XXXX. After reporting my wages to Social Security, I was informed that my benefits would stop. However, Social Security continued issuing benefits during XXXX and XXXX. Treasury records show approximately {$12000.00} in payments were deposited into my XXXX account. Social Security later intercepted my federal tax refund to recover these alleged overpayments. I never received or accessed these funds and have made repeated attempts to locate the account and transaction history. XXXX confirmed the account was associated with the XXXX program. XXXX acknowledged that I had a card relationship but could not locate the historical account or provide records. I was informed that a XXXX account had been created, but XXXX reported the account was locked and had no balance or transaction history. Neither XXXX, XXXX, XXXX, nor the local XXXX location can explain what happened to the deposited funds or provide historical records. I am requesting a full investigation and copies of all account records, transaction histories, transferred balances, and any checks issued in connection with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a XXXX card for awhile but they changed my card over to Wells Fargo XXXX card, upon me setting up my online account, but before I could use the account they had to send me 2 deposits to verify that it was my account and it came through, so after that I submitted my first payment and it went through, I thought but I didnt get a confirmation and it didnt show in my account neither being withdrawn, so I called customer service and asked them about my payment and do they see that my payment is good, they told me because of them switching over to a different card this is probably why, nope I received a letter and email saying my account will be closed, I called an ask them why they couldnt tell me they said, at that point they switched me to the credit card supervisor, same thing, couldnt tell me why but then they said oh just reapply, I had my XXXX credit card for a long time before they switched it, this is XXXX and seems to be profiling, I want my account reopened or closed without penalty

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 2026-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark company did a charge off and it has been over 7 years and they keep changing the date so that it looks as if it is a new loan and its impacting my credit score every time my score increase the 7 year mark was last year but they have changed the date once again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is actively violating the Fair Credit Reporting Act ( FCRA ). I am trying to dispute an invalid collection account reported by XXXX XXXX Balance {$1800.00} ). The underlying merchant, XXXX, went bankrupt and legally breached the medical contract mid-treatment. The collection agency failed to provide valid proof of an enforceable debt. Experian 's online dispute portal is malfunctioning and blocking my submission, stating the account is " potentially negative. '' Furthermore, XXXX already acknowledged this dispute in a previous CFPB complaint and subsequently removed this account from my XXXX report. Experian is the only bureau failing to update my file due to their malfunctioning online portal. '' I am XXXX XXXX military and demand that Experian manually investigate this account, accept my evidence of a breached contract, and permanently delete this inaccurate {$1800.00} collection balance immediately.

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 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
This Spring Oaks Capital account was previously deleted and now has been reinserted/ re reported on XXXX without proper notification I have screenshots showing that it is now reinstated and reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against Truist Bank Subject : Improper Freeze of Over {$15000.00} in Funds Causing Extreme Financial Hardship My name is XXXX XXXX, and I am filing this complaint against Truist Bank regarding the freezing of more than {$15000.00} of my funds without adequate explanation or justification. I have not engaged in fraudulent activity, knowingly participated in any illegal transactions, or committed any wrongdoing that would warrant the restriction of my funds. Despite this, Truist Bank froze my account and deprived me of access to money that I rely upon for my daily living expenses and financial obligations. This action has caused severe financial hardship. The funds being withheld represent money needed for rent, utilities, transportation, food, childcare, and other basic necessities. As a result of Truists actions, I have struggled to meet my obligations and provide for my family. The stress and uncertainty caused by being locked out of my own funds have been overwhelming. What makes this situation even more troubling is the lack of transparency regarding the reason for the freeze and the timeline for resolution. I have attempted to obtain answers and understand why my money remains inaccessible, yet I have not been provided with sufficient information to justify the continued restriction of my funds. I believe Truist Banks actions have been excessive and unfair. Restricting access to more than {$15000.00} without clear evidence of wrongdoing has placed an unnecessary burden on my life and has jeopardized my financial stability. Consumers should not be deprived of access to their own money without clear communication, proper procedures, and a reasonable opportunity to resolve any concerns. I respectfully request that the Consumer Financial Protection Bureau investigate Truist Banks handling of this matter and require the bank to : Provide a complete written explanation regarding the basis for freezing my funds. Explain the legal authority relied upon to restrict access to my money. Conduct an immediate review of my account. Release any funds that are not lawfully subject to restriction. Provide a definitive timeline for resolution. Ensure that my consumer rights have been protected throughout this process. The continued freezing of my funds has caused substantial financial and emotional hardship. I am simply seeking fair treatment, transparency, and access to money that belongs to me. I respectfully request immediate attention to this complaint and a prompt resolution. Sincerely, 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 2026-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Consumer law 15 USC 1692g consumer law 15 USC 1681i A5 I'm asking does debt collector for method of verification? I'm also asking for the purchase agreement and I'm asking for the chain of title. They have said that they have verified this account as accurate information. I believe that this is inaccurate. I would like to know what method of verification and show me the chain of title and purchase agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank - Best Buy Credit Card- I have two " no - interest '' amounts on the card plus my general spending amount. I try to pay double my amount due minimum every month. What I've noticed is that the " interest free '' amounts NEVER go down - therefore, I will not pay it off and the interest that's being held back will eventually be charged to me. I called on this.... I was told that I would have to call EVERY time to speak to a customer service representative to have my payment " allocated '' to the interest free amounts. When I originally called and had to go through the automated phone system I was literally on the phone for over twenty minutes just to get to the customer service. Why do I have to do this? Why wouldn't a certain percentage be put on those amounts like other credit cards. This seems like a scam to me! Why isn't there a place on the payment screen to allocate an amount over - again scam! I would like this situation rectified as I feel this is unfair to the consumer who is paying the bill every month. Don't promote something if your not going to deliver on your end.

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 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: PA

Complaint narrative:
I have paid off in full according to the settlement agreement, yet all three-credit report still shows late payments based on the original schedule. This is unethical and unfair! Loan id # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: MO

Complaint narrative:
Subject : Cease and Desist Unauthorized Reporting of Private Information Dear Sir/Madam, I am writing to formally demand that you cease and desist all reporting of my private account information associated with * XXXX XXXX XXXX continued reporting of late payments or negative information for a closed account constitutes the unauthorized use of my private information, in violation of federal law. Under 15 U.S.C. 1666b, I am entitled to dispute and correct inaccurate or unauthorized information related to my accounts. Accordingly, I demand the following actions immediately : 1. Delete all negative or late payment entries associated with the closed account referenced above. 2. Cease any further reporting of my private information related to this account. 3. Provide written confirmation within 7 days that my private information has been deleted and that no further reporting will occur. Please be advised that the misuse of private information can constitute a violation of federal law, including the Fair Credit Reporting Act, and may result in legal action. I expect your immediate attention to this matter and confirmation of compliance.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have asked XXXX XXXX and PNC Bank and XXXX XXXX and XXXX XXXX XXXX XXXX to take these charges off of my credit report none of these companies have done this and they are over XXXX XXXX XXXX these companies said they have been wiped off but they still show on my credit history and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XX/XX/year> {$380.00} Needs + Attention XXXX XXXX Reported : XX/XX/year> {$2600.00} Needs + Attention XXXX Reported : XX/XX/year> XXXX XXXX XXXX {$1600.00} Needs + Attention LVNV FUNDING LLC Reported : XX/XX/year> {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I applied for a Bank of America secured credit card and deposited {$5000.00} as collateral. At no point during the application process was it clearly explained to me that the deposit would function solely as collateral and not as a spendable balance. I understood the deposit to be the funds I would be drawing from when using the card. As a result of this misunderstanding which I believe stems from inadequate disclosure at the time of application I have been carrying a balance of approximately {$4900.00} while my {$5000.00} deposit sits untouched as collateral. Over the past year, I have been charged approximately {$50000.00} per month in interest, totaling an estimated {>= $1,000,000}. I am requesting that Bank of America review my account and provide a goodwill refund of the interest charges accumulated during this period, given that the nature of the product was not made sufficiently clear to me at signup. I am a customer who acted in good faith and deposited funds with the intent of responsible use. I believe clearer disclosure at the point of application would have prevented this situation entirely.

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 2026-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
My XXXX XXXX card was lost and I reported it over a year ago. They replaced the card and I continued to use the new card. I use it often especially when traveling. XXXX kept trying to pull money for an automatic payment so I blocked it. I noticed several charges for {$26.00} and {$29.00} from XXXX that had already come through like an automatic payment monthly. I knew this wasnt me. I have XXXX XXXX XXXX and that includes my XXXX account and its for {$140.00} every month and it comes from my bank account I have never set up any automatic payments on my CashApp card. Thats not what I use it for. I only use it to transfer money to family or friends or XXXX ads money to it when traveling. I called XXXX pluss and asked if it was them charging me twice. They had no records of that payment under my email, or my husbands email at all. They said it was not them. This was like {$450.00}! It had been going on for all of XXXX and part of XXXX. I tried to block it in the Cash App Account bug it kept trying to pull it every month. So I would have to keep my card locked to try to make sure it did not actually get pulled. It still went through some times if I forgot to lock the card. I called Cash App the representative saw the transactions and said it was weird bc it was linked to the card that had been lost from the previous year not my new card and that card was closed bc got a new one. He apologized I told him I had already confirmed with XXXX that it was not me He put in a claim for all the charges canceled my card and put in for a new card to be sent up me. The next day I got an email saying my Cashapp account was closed due to me having violating yet an and that they suspected fraud. I called. They said once thats done there is nothing nothing I can do. He put in another dispute for the cancellation. I hot an email today saying the account will remain closed bc I performed fraud. This is ridiculous. I have never had any issues with them and the moment I dispute charges Im accused of fraud. I would like all the money that was taken out from XXXX returned. And my account reactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I entered into an Income Share Agreement ( ISA ) for a XXXX XXXX XXXX XXXX XXXX Before signing, the sales representative explicitly and repeatedly assured me over the phone that this agreement would be completely void, and I would owe XXXX dollars if I failed to secure a XXXX XXXX job within XXXX year of completing the XXXX. Relying entirely on this material verbal guarantee and misrepresentation, I signed the contract. However, XXXX committed a bait-and-switch by hiding clauses in the written agreement stating that payment obligations apply to 'any earned income ' within a XXXX term, regardless of the employment sector. Additionally, XXXX completely failed to deliver the promised career placement services and job help. Now, their collection agency, Lockhart Morris & Mo, is aggressively reporting a massive delinquent balance of {$22000.00} on my credit profile based on this fraudulent contract. I am requesting an investigation into these deceptive sales practices and the permanent removal of this inaccurate collection from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: MO

Complaint narrative:
Subject : Cease and Desist Unauthorized Reporting of Private Information Dear Sir/Madam, I am writing to formally demand that you cease and desist all reporting of my private account information associated with * XXXX XXXX XXXX continued reporting of late payments or negative information for a closed account constitutes the unauthorized use of my private information, in violation of federal law. Under 15 U.S.C. 1666b, I am entitled to dispute and correct inaccurate or unauthorized information related to my accounts. Accordingly, I demand the following actions immediately : 1. Delete all negative or late payment entries associated with the closed account referenced above. 2. Cease any further reporting of my private information related to this account. 3. Provide written confirmation within 7 days that my private information has been deleted and that no further reporting will occur. Please be advised that the misuse of private information can constitute a violation of federal law, including the Fair Credit Reporting Act, and may result in legal action. I expect your immediate attention to this matter and confirmation of compliance.

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 2026-06-07 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: MO

Complaint narrative:
Subject : Cease and Desist Unauthorized Reporting of Private Information Dear Sir/Madam, I am writing to formally demand that you cease and desist all reporting of my private account information associated with * XXXX XXXX XXXX continued reporting of late payments or negative information for a closed account constitutes the unauthorized use of my private information, in violation of federal law. Under 15 U.S.C. 1666b, I am entitled to dispute and correct inaccurate or unauthorized information related to my accounts. Accordingly, I demand the following actions immediately : 1. Delete all negative or late payment entries associated with the closed account referenced above. 2. Cease any further reporting of my private information related to this account. 3. Provide written confirmation within 7 days that my private information has been deleted and that no further reporting will occur. Please be advised that the misuse of private information can constitute a violation of federal law, including the Fair Credit Reporting Act, and may result in legal action. I expect your immediate attention to this matter and confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Person left a message stating they would contact my employer about a debt that does not belong to me. They called from a number that was all XXXX and claimed to be XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
My Chime account was suddenly and completely frozen, preventing me from accessing my funds or completing transactions. I was not given a clear explanation for the restriction. When I attempted to regain access, I was instructed to complete identity verification by submitting a government-issued ID and a selfie image. I contacted customer support to ask how my biometric data ( selfie/face image ) would be stored, used, and how long it would be retained. The representative did not provide answers to my questions, refused to transfer me to a supervisor when requested, and ended the call. I called back again and requested escalation, but I still did not receive clear information or proper assistance. As a result, my account remains frozen, and I am unable to access my money or manage my financial obligations. I also did not receive clarity on whether there are alternative verification methods that do not require biometric submission, or any timeline for resolution.

Company response to consumer: Closed with explanation