vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. In XX/XX/year>, someone used my stolen drivers license and personal information without my authorization in connection with XXXX XXXX. I filed an identity theft report, FTC Report XXXX XXXX. As a result, unauthorized hard inquiries appeared on my credit file. I am disputing the following inquiries as unauthorized and fraudulent : XXXX XXXX dated XX/XX/year>, XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>, and XXXX XXXX XXXX dated XX/XX/year>. These inquiries were not authorized by me and I did not provide permission for my credit to be accessed. I am requesting that the credit reporting company conduct a reasonable investigation, verify whether there was a permissible purpose for each inquiry, and remove any inquiry that can not be properly verified. I also want the company to confirm in writing the results of its investigation and provide me with an updated copy of my credit report after the unauthorized inquiries are removed. I have supporting documentation, including my identity theft report, and I am submitting this complaint because I need these fraudulent inquiries removed from my credit file as soon as possible.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Subject : Unreasonable hold on confirmed payroll direct deposit Case XXXX I am filing a complaint against MoneyLion regarding an unreasonable hold placed on my payroll direct deposit of approximately {$6700.00} which arrived on Friday, XX/XX/year>. MoneyLion advertises a 2-day early pay feature, which would have made these funds available on XX/XX/year>. Instead, the funds have been held under manual review for three days with no resolution, directly contradicting their advertised service. MoneyLion has confirmed receipt of the funds and confirmed the exact amount, yet has placed the deposit under a manual review hold. My official payday is tomorrow, XX/XX/year>, and I have bill payments due that same day that I will be unable to meet as a direct result of this hold. I contacted MoneyLion customer support three times today, XX/XX/year>. Each time I requested a supervisor and was either given a callback promise that never happened or left on hold with no resolution. On my final call I was assigned case number XXXX and was told funds could be released up to midnight on XX/XX/XXXX my official payday which will cause me to miss bill payments and incur late fees. Additionally, when I requested escalation, I was informed that MoneyLion does not have US-based customer support. This made it impossible to reach anyone with authority to resolve my issue in a timely manner. The funds have been held for three days with no clear justification. MoneyLions failure to provide timely support, a supervisor, or a reasonable release timeline is causing me direct and immediate financial harm. I am requesting immediate release of my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX a deposit in person what I believe to be a remote work from home check that was due to me in person at Citibank branch Teller. Upon being notified to check with in fact fortunate, I immediately notified Citibank my account was done frozen. There were no funds withdraw from the fraudulent check on XX/XX/XXXX my benefits from XXXX XXXX XXXX retirement system and the amount of {$5900.00} was active in my account on XX/XX/XXXX and the amount of {$2900.00} and 29. {$7.00} was unlawfully withdraw from my account and held by Citibank XXXX On XX/XX/XXXX, I received a dated checks and the amount of {$1100.00}, {$990.00} which was a UTMA for my daughters account, which is her benefits from Social Security. The third check I received and the amount of {$2900.00} was a portion of my disability pension check from XXXX XXXX XXXXXXXX retirement pension. As you can see there is still a {$2900.00} which is old to me and I have not received it as of XX/XX/XXXX. This amount was in fact verified by the fraud prevention or XXXX in person with Citibank banking staff on XX/XX/XXXX in person. all was presented to Citibank staff in person along with ID and a personal letter from XXXX XXXX XXXXXXXX retirement pension. I was then told in person that a 24 hour to 48 hour notice was sent and my funds will be allocated to me. I have not receive the remaining balance from a closed account from XX/XX/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 monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: LA

Complaint narrative:
My account with [ krakenXX/XX/XXXX] was abruptly closed, and I have been denied access to my funds. An audit by XXXX XXXX indicates a discrepancy between my actual holdings and the client liability displayed by the firm. Specifically, several pending transactions across my portfolioincluding XXXX, XXXX, XXXX, XXXX, XX/XX/XXXXXX/XX/XXXX, and XXXX missing or inaccurately recorded. Despite these discrepancies and the ongoing audit, the firm has restricted my access and closed the account without providing a clear resolution or a method to retrieve my assets. I have attempted to resolve this directly with the firm [ if applicable, mention dates of contact ], but the issue remains outstanding

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 2026-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a collection notice, but the company did not provide any documents proving the debt is valid. I requested full debt validation under federal law before any collection activity continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2026 I dispute a fraud transaction with Truist Bank for amount of {$530.00} That day I provide all evidence of the company who fraud me. A company called XXXX service team who is portraying to be XXXX government. charging consumers for service that are mainly free with the actual XXXX government XXXX XX/XX/2026 Truist Bank has been giving me the most lack of consumer service on providing reason on this investigation. An haven't provided any funds back to my account. I was told this dispute will only take 7-10 business days and as of today its been 25 days with no communication from Truist Bank . I done called every week trying to resolve this situation.

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 2026-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: MN

Complaint narrative:
XX/XX/year> found my checking account with us bank was hacked. Called the bank they said they saw the request for the money and failed to notify me. Until I called and asked about my account after I went on line and noticed my account was not correct and money was missing. They said a transaction was due to go through for & XXXX today and they didnt try to stop it. I then pulled all money out of the bank .and there investigation into this matter. My account was hacked I didnt give permission. I want to sue my bank for negligence and failure to notify 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 explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing an account that was opened and reported without my knowledge, authorization, or consent. I did not apply for, use, or benefit from this account in any way. I previously submitted supporting documentation and requested review of this unauthorized account, yet it continues to be reported as verified. The continued reporting of this account raises concerns regarding compliance with the Fair Credit Reporting Act, including 15 U.S.C. XXXX ( b ), XXXX, XXXX ( b ), and 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 2026-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppe by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, you are required to investigate this dispute within XXXX days of receiving this letter. If the information can not be verified, it must be promptly deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppe by silence, XXXX v. XXXX ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate this dispute within 30 days of receiving this letter. If the information can not be verified, it must be promptly deleted from my credit report.

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 2026-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: MD

Complaint narrative:
am disputing a collection account that Summit A/R ( Summit Account Resolution ) is reporting and attempting to collect. I do not owe this debt and dispute it in full. The debt originates from a rental car damage claim by XXXX XXXX XXXX XXXX. I did not cause any damage to the vehicle. XXXX has provided no evidence that the alleged damage occurred during my rental period only a single photograph taken at the time of return, which can not establish the condition of the vehicle when it was handed to me. No exit or pickup comparison photo was ever provided. The burden of proof rests with the creditor and has not been met. The amount is also unsupported and internally contradictory : XXXX demanded {$560.00}, yet its own repair estimate ( prepared by XXXX XXXXXXXX XXXX ) totals only {$340.00}. There is no explanation for the {$220.00} difference. Summit 's reporting is also inaccurate. The collection record lists a " Last Payment Date '' in XX/XX/year>. I have never made any payment to Summit or to XXXX on this matter. This false payment date shows Summit 's records are unreliable. I disputed this with the credit bureaus, but it was returned as " verified '' without any documentation establishing my responsibility. Summit has never provided validation of this debt as required under the FDCPA. I request that Summit provide complete validation including proof the damage occurred during my rental and a breakdown of the {$560.00} or cease collection and delete this account from all credit bureaus. This unverified, disputed debt is causing me concrete harm, including interference with a pending mortgage application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this new complaint because I have uncovered official, material new evidence from the State of California proving an illegal double-dipping and consumer deception scheme regarding my {$3000.00} CareCredit balance opened on XX/XX/XXXX. My previous complaint ( ID : XXXX ) was closed because Synchrony Bank provided a generic, automated response that falsely framed this as a simple statement delivery issue. Timeline of Consumer Deception & Billing Violations The Deception : The office manager, XXXX XXXX, explicitly XXXX to me, claiming that none of my major procedures were covered by my insurance except for basic fillings and routine cleanings. XXXX instructed me to open the CareCredit loan, and deceptively misrepresented the promotional terms of this line of credit, falsely claiming it was a zero-interest promotional period when it was actually a deceptive deferred interest trap. Insurance Bypass : Relying on these false statements, I agreed to the line of credit. XXXX XXXX then intentionally bypassed my insurance coverage entirely for the corresponding dental crowns, forcing those charges onto the credit account without ever presenting a standard insurance pre-authorization or denial. The Double-Dipping Proof : I have since obtained official documentation from the California Department XXXX XXXX XXXX XXXX XXXX XXXX ) proving that the merchant went behind my back and billed XXXX was already paid in fullfor those exact root canal procedures. Legal & Regulatory Status Under California law, a XXXX provider is strictly prohibited from balance-billing or privately charging a patient after accepting state funds; doing so constitutes explicit insurance fraud. This balance represents unlawful billing and deceptive practices, which are currently under active investigation by the California XXXX XXXX under Case ID : XXXX, following an official notification letter I received in XX/XX/XXXX. I have mailed a complete physical audit packet to Synchrony via Certified Mail today, XX/XX/XXXX. Provided attachments ( Synchrony Bank XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX constitute the exact audit packet that was mailed. I demand a full forensic billing audit, the removal of any interest fees, and the immediate deletion of these unlawful charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint arises from the consumer reporting agencys failure to provide a complete and legally sufficient Method of Verification ( MOV ) in response to my dispute and request for reinvestigation. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), I requested a detailed explanation of the procedures used to verify the disputed information appearing on my consumer report, including the specific method of verification employed, the identity of any furnishers or individuals contacted during the investigation, and the documentary evidence relied upon to substantiate the accuracy and completeness of the reported information. Despite this request, the consumer reporting agency has failed to provide the requested information or any competent and verifiable evidence demonstrating that it conducted a reasonable and legally compliant reinvestigation. The FCRA imposes an affirmative duty on consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and, upon request, to disclose the method of verification used to confirm the accuracy of the information being reported. A conclusory statement that an account was simply verified does not satisfy these statutory obligations without supporting evidence explaining how the verification was performed, what procedures were followed, and what records or documentation were reviewed. In the absence of competent and verifiable documentary evidence establishing the basis for the agencys verification of each disputed item, the continued reporting of such information undermines the accuracy, reliability, and integrity of my consumer credit file. Moreover, the agencys continued reporting of disputed information while failing to provide the requested verification details or supporting documentation demonstrates an apparent failure to maintain reasonable procedures to assure the maximum possible accuracy of consumer information, as required by 15 U.S.C. 1681e ( b ). Information that can not be substantiated through competent and verifiable records should not continue to appear on a consumer report. The agencys failure to provide a legally sufficient Method of Verification and supporting evidence is inconsistent with its obligations under the FCRA and warrants regulatory review and appropriate corrective action, including the deletion or correction of any information that can not be properly verified through competent documentary evidence.

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 2026-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out a XXXX loan with a tribal loan website not knowing their interest was extremely high. And I find it unfair with how high they do. Its XXXX XXXX and I think it's insane and they can come after us. Its crazy and they make it impossible to oay back and try to get your paycheck every week

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