vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 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: CA

Complaint narrative:
I am filing this complaint against Citibank regarding the forced closure of my account and the subsequent forfeiture of my hard-earned ThankYou rewards points on my Citi XXXX XXXX account ( ending in XXXX ). The account was closed involuntarily by Citibank due to an ACH return error. However, this return was entirely caused by an external ACH debit block error on the side of XXXX Bank, not due to a lack of funds or financial delinquency on my part. XXXX even provided a letter to clarify the error. I had every intention and the capability to make the payment and did indeed make the payments right away after the returned payments came back and at the time I didn't know why. I have reached out to Citibank multiple times to resolve this misunderstanding, but received a final rejection from the Office of XXXX XXXX on XX/XX/scrub> 2026 ( see attached file : "XX/XX/XXXXXXXX XXXX '' ). Because the root cause was a third-party banking error completely outside of my control, enforcing a strict forfeiture of all accumulated rewards points is punitive and violates the principle of good faith and fair dealing. I am requesting that Citibank reinstate my rewards points as a matter of equity, or issue a statement outlining how these points can be recovered if I re-establish my account status. ''

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 2026-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by someone using XXXX When I reported to wells fargo I was told there was no contact info for XXXX, and they would do nothing about a scam, fraud, theft, crime committed by someone using XXXX This has happened before and there is no way to report it to Wells Fargo or XXXX How pathetic is that?

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
b'I have purchased a laptop and paid for it with my debit card on Ebay in XXXX XXXX I have never received the merchandise, I disputed the charges with Citibank on XXXX XXXX XXXX XXXX submitted all the documents they have asked for, and until now I have not been refunded. I have contacted regularly Citibank customer service on the phone, went physically to Citibank locations, their agents sent online messages to customer service, my issue has not been solved as of yetXXXX XXXX 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 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am filing this complaint against MoneyLion for reporting outdated information on my XXXX credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). * * My XXXX credit report shows this account with a charge-off. The date of first delinquency was in 2019. This account is approaching the XXXX reporting limit under FCRA 605 ( a ). The account is too old to be reported and should have been removed. * I have disputed this information directly with XXXX. The dispute has been pending for more than 45 days, and MoneyLion has not corrected or deleted the outdated information. Under the FCRA, MoneyLion is required to conduct a reasonable investigation and delete any information it can not verify. I request that the CFPB investigate this matter and require MoneyLion to delete this outdated tradeline from my credit report 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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
{$5000.00} was stolen on XX/XX/year> from my personal Navy Federal account via an ACH ORIG DEBIT using the bank 's routing number and my checking account number. My back did not block the transaction even though I notified them immediately after the transaction was posted to my checking account. In addition, my bank failed to contact me via text or email even though my account was supposed to notify me an any transaction over {$1000.00}. The fraudulent transaction originated from XXXX XXXX ( Routing XXXX Account XXXX ) atXX/XX/XXXX Checking. There are other issues with this bank and this person ( not included here ). Apparently, that bank has allowed that person to attempt other fraudulent transactions in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I transferred approximately USD {$120000.00} in multiple transactions to a Wells Fargo bank account ending in XXXX, held by XXXX XXXX XXXX in California, in connection with a restaurant franchise investment opportunity. The recipient represented that the funds would be used for a legitimate business venture and that I would receive a documented ownership interest in the business. The transfers were made over several months based on repeated representations regarding the investment, business ownership, and future participation in the company. I relied on these representations when authorizing the transfers. After the funds were received, I repeatedly requested documentation supporting my ownership interest, accounting records, corporate records, and details regarding the use of the funds. Despite numerous requests, the promised ownership documentation was not provided. I also requested clarification regarding how the funds were being handled and used. Beginning in XX/XX/XXXX, I became concerned that the representations made before and during the transfers XXXX have been false or misleading. I requested a detailed accounting of the funds and sought either confirmation of my ownership interest or the return of my investment. These requests were not satisfactorily addressed. I believe XXXX XXXX XXXX used the Wells Fargo account ending in XXXX to receive substantial funds based on representations that were not fulfilled. As a result, I suffered a financial loss exceeding USD {$120000.00}. I have retained bank transfer records, payment confirmations, communications, witness statements, and other supporting evidence. I respectfully request that Wells Fargo review the activity associated with account XXXX and determine whether the account was used in connection with fraudulent or deceptive conduct. I also request that the bank review whether appropriate monitoring, investigation, and reporting procedures were followed after receiving large incoming transfers associated with the investment. I am prepared to provide supporting documentation, transaction records, communications, witness statements, and any additional information necessary to assist in the review of this matter.

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 2026-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX reported a {$1400.00} collection to Equifax on XX/XX/year> for a CreditNinja debt with an original principal of {$1000.00}. I made documented payments to CreditNinja totaling {$1200.00}, exceeding the original principal. CreditNinja never reported this account to any credit bureau at any time during the life of the loan. XXXX XXXX is the first and only entity to report this debt, with no original tradeline to verify against. I sent a written pay-for-delete settlement offer to XXXX XXXX at their XXXX XXXX address and the email was rejected as undeliverable by their server. XXXX XXXX has an XXXX XXXX XXXX XXXX XXXX has failed to respond to consumer complaints, and is subject to a California XXXX enforcement action. A formal XXXX dispute was filed on XX/XX/year> ( Confirmation # XXXX ). XXXX XXXX is reporting a debt that was substantially paid to the original creditor and can not be verified through any original tradeline. I am requesting immediate deletion of this account 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 2026-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
So basically what happened was this company messaged me to work with them and sent me a check I put it in and then it started looking scam ish they asked for the money back and to be sent to XXXX so ignored the messages. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can attach those but I assume they dont wan na be seen saying if I didnt send the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I got scared and was trying to send the money back several ways and XXXX XXXX was the only way that finally worked. I sent it back which is the amount sent on my account and a couple days later the check they originally sent bounced and was fake so I never received the money and they stole {$400.00} of mine. I need the money back I dont have money like that and this has been extremely hard on me. I just wan na get what is mine back and move on. This was sent to the bank and also XXXX XXXX with Photos, proving that I was forced to transfer the money as part of a scam. I did not want to pay the money. It was an unauthorized payment. I have tried both from my bank and XXXX XXXX to get the money back and it has been denied on both parties. I need this money. I didnt approve this charge or want to make it and I think its unfair that I was scammed out of the money and cant get it back.

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 2026-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MD

Complaint narrative:
Credit control LLC It is not my account ; I currently have my service with XXXX, and they are charging me for a debt with XXXX that isn't mine.

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 2026-06-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity Theft Report / Law Enforcement Information Sheet Complainant Information Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX Statement of Incident I am a victim of identity theft. Personally identifiable information belonging to me has been intercepted, compromised, and utilized without my knowledge or authorization to open multiple fraudulent collection accounts and initiate unauthorized inquiries into my credit consumer file. I did not open these accounts, incur these debts, or authorize these inquiries. Fraudulent Collection Accounts to Report Collection Agency Original Creditor Alleged Balance Account Status XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} Fraudulent / Unauthorized XXXX XXXX XXXX XXXX {$210.00} Fraudulent / Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} Fraudulent / Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} Fraudulent / Unauthorized XXXX XXXX XXXX XXXX XXXX {$510.00} Fraudulent / Unauthorized XXXX XXXX XXXX XXXX XXXX {$1200.00} Fraudulent / Unauthorized Unauthorized Hard Inquiries Lender : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Statutory Declaration & Remedies Requested Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, consumer reporting agencies must block the reporting of any information in a consumer 's file that the consumer identifies as having resulted from identity theft within 4 business days of receiving an official Identity Theft Report. I request that law enforcement accept this formal complaint, generate a standard incident/police report, and provide an official case number so that I may submit it to the credit bureaus to block this fraudulent information. Signature : XXXX XXXX Date : XX/XX/XXXX 2026

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 2026-06-18 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2026-06-18 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: U.S. BANCORP
State: NE

Complaint narrative:
Yes, you proof of letter for XX/XX/XXXX the check was cleared Our records indicate that the check was issued on XX/XX/year>, for {$160.00}, XXXX and the item was paid as of XX/XX/year> Now XXXX bank should please send money money it over XXXX months and this is wrong

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I dispute the accuracy of this debt and request validation pursuant to applicable federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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. 1681e ( b ), 1681i, 1681s-2 ( b ), and 1681c-2.

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 2026-06-18 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:
XX/XX/year> : Card applied for and approved. Included bonus offer for XXXX AAdvantage miles with condition of {$4000.00} spend within XXXX months of opening account XX/XX/year> : {$4000.00} spend exceeded XX/XX/year> : I paid balance in full To present the bonus has not been paid. I was told via their chat function on XXXX that I would receive the bonus with my next statement. I did not receive this. Numerous attempts to request information on when it would be paid, and why it had not been paid have yielded conflicting answers including " you will be paid next billing cycle '', " you are not qualified '' ( I am qualified ), " this is a known issue we are addressing but have no timeframe ''. " XXXX '' told me I would receive it XX/XX/year>. This communication is attached I have still not received it.

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 2026-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
We have been in the refinancing process with Navy Federal for over 2 months. We have provided all documentation promptly yet have been in underwriting for over a month. They had to do a rate extension XXXX weeks ago which was the last time I heard from my mortgage lender, XXXX XXXX, and XXXX days since I have been able to contact our processor, XXXX XXXX. I have called, left voicemails and emails for them and supervisor XXXX XXXX with no responses. We have had our tentative closing date moved from before XXXX XXXX to the first week of XXXX to definitely next week then nothing. What is going on? We need to be able to release funds of be able to take out credit to pay for things that have arisen in the lengthy process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 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: TX

Complaint narrative:
This is an appeal based on case XXXX The transition from XXXX to Citibank cards XXXX complicated with long periods of time between each communication. The annual fee notification per Citi bank investigation was sent in XXXX under the old XXXX card. I would not have known to assume annual fee dates were to be the same on both old and new cards. I never received a Citibank card so how would I know to cancel within a specific time frame established by a Citibank?

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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like XXXX days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I was looking through my credit report and noticed XX/XX/XXXXthousands of dollars in balance in accounts from several years ago, when I was too young to even open many of the accounts.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: CO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation