vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am a legitimate consumer and a resident of Massachusetts. I recently opened a checking account with Digital Federal Credit Union ( DCU ). Right after opening the account, I attempted a routine transfer of {$1000.00}, which unfortunately triggered an automated " false positive '' fraud flag on their system, leading to the immediate closure of my account. I did absolutely nothing wrong. This is a complete misunderstanding caused by an automated algorithm. Furthermore, I officially scheduled this transfer from my own personal Bank XXXX XXXX account. I had the necessary funds available for this transaction, and I can fully prove the legitimate source of these funds with XXXX Bank XXXX XXXX statements. I have already visited a physical DCU branch in person to verify my identity and prove my legitimacy, but the staff informed me that the system blocked me from reopening or creating a new account. It is deeply unfair to be penalized and denied banking services due to a standard transaction verification error. I am fully prepared to provide my government-issued ID, proof of address, SSN/ITIN, and bank statements to a compliance XXXX. I request a manual human review of my profile, the removal of any negative fraud flags associated with my name, and the reinstatement of my account.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>, I applied for a credit card from US Bank. I never received a letter in the mail saying if I was accepted or declined for the credit card. I contacted the bank and they didn't have any record of me applying for the card. When I checked my credit report it shows that they did do a credit check.

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 2026-06-23 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Thank you for taking the time to read this. So basically, Truist locked me out of my online banking profile and closed my primary bank account. Because of that, I couldnt log into the app or website to view my credit card account, check my balance, or see that a payment was due. I didnt realize I had missed the payment, which led to a 30-day late payment being reported in XXXX. As soon as I found out, I paid the balance in full immediately. Would you be able to remove this late payment for me? Its really affecting my credit.

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 2026-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We opened a credit card with best buy bought a washer and dryer was pressured to buy the warranty package which they said would cover in the event something happens with our washer and dryer. Not even a few months in we start having problems with our appliances and when I called the warranty company they said I had to pay an additional fee {$200.00} for them to come out, which was not explained to us since we paid XXXX for the warranty! I fought with them about them cx that and had to seek service providers to come check our our appliances then when their promo was over they debited XXXX our of my checking fought with them about that because that was my mortgage note. Then they started tagging all these late fees to my account! I have great credit and never been late or had negative remarks until this best buy account!

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 2026-06-23 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XXXX ( XXXX XXXX ), I woke up to a negative balance in my Wells Fargo checking account. XXXX hours earlier on XXXX, a company in California attempted to make XXXX transactions at exactly XXXX. They were successful with XXXX of those transactions before my account went negative. They took {$760.00}. Upon seeing this, I immediately contacted Wells Fargo with the fraudulent charges. Those charges were still pending at the time of my call. Wells Fargo said it came from my debit card and that theyd take care of it and they provided me a provisional credit so I could pay my bills. I was told I didnt need to do anything further as their fraud department would handle the investigation and that I could expect my new debit card in the mail within 10 days. Less than XXXX weeks later, my account went negative again. Wells Fargo sent me a message that the case was completed and they deemed those charges authorized based on an IP address of my billing address and the purchase was made from my digital wallet. However, I moved 7 months prior from that billing address ( which is my sons house ) to a new address in the same town. I have my own WiFi and I would have been connected to it. Furthermore, I was not at my sons address on the date of purchase because we had plans to go to his house for XXXX XXXX next day. The bottom line WF wont give me my money back. Ive filed a claim with my local police department but XXXX not hopeful. XXXX disgusted. Wells Fargo is the same ridiculous bank that will question my purchase of fuel out of state when XXXX traveling and XXXX required to respond to a text in order for my debit card to work.. but they dont send me alerts when a FAKE store on the other side of the country is hitting my card SIX times within the same minute???!!! WF is grossly negligent in the handling of this claim. I did my part I reported it immediately with the expectation that my bank would stop these fraudulent charges and they failed miserably. Not sure what I can do next. The claim was filed twice. Denied both times.then escalated to an XXXX branch denied today. I dont understand how they can look at this and come to the conclusion that it wasnt fraud.

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 2026-06-23 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: AZ

Complaint narrative:
XXXX XXXX a XXXX XXXX did a phishing scam on me the day before I was to leave for my trip. I never called them since never heard of them. I am a senior and they started to badger me that I wouldn't go on trip as part of the trip wasn't confirmed. One of the airline XXXX had sent me a email the afternoon beforeI was to leave the they were on strike and didn't know if I would be rebooked. I googled XXXX XXXX went into manage my trip everything correct came up but one segment so I called to question since I require assis so I agreed to the XXXX.This man answered claiming he was XXXX XXXX and that due to XXXX could get a XXXX but have to pay more due to strike and fuel. Wanted a {$1000.00} and said couldn't afford it and not doing it.Then said you won't go on your trip.I was so stressed I said okay. Gave my XXXX Citibank card. Came up are you sure I couldn't think and agreed. XXXX said you have to say yes. At that point had my doubts but thought I could cancel.Called Citi back several hours later that I know it is a scam and cancel. They refused saying it is a dispute.While on trip received a text from XXXX saying I must drop dispute or won't get home. I did nothing. Tried to give Citibank information and they just snd form letters and ruled in favor of XXXX because they said it was a non refundable ticket. This co. has been allowed to operate when it is a know scam phishing co. Also has another name 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 monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, a fraudulent transfer of {$1900.00} was made to an individual named XXXX XXXX using XXXX through my Wells Fargo checking account. It was done in a way that made it appear that I made the transfer. In fact, I do not know this individual, and I never made the transfer. I filed a claim with Wells Fargo. They have investigated my case but claim that XXXX is a third-party service and they do not have the obligation to credit my account for the money taken. In actuality, XXXX is owned by XXXX XXXX XXXX, a collaborative entity owned by seven of the largest banks, including Wells Fargo. In fact, Wells Fargo, as a part owner of XXXX XXXX XXXX, is also a part owner of XXXX. It is not simply a third-party entity for whose actions they bear no responsibility. Furthermore, if you call the Wells Fargo customer service line, while you are waiting on hold for a representative, one of the messages you get to listen to is a pitch for XXXX that encourages you to sign up and use it for online money transfers.

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 2026-06-23 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: LA

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 2026-06-23 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
On XX/XX/year> a Barclay 's account was opened using my name and my identity but it was not me. A amount of {$510.00} was charged. I spoke to Barclay 's and they would not give me any information because they already sent it to collections.

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 2026-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
A XXXX sales representative named XXXX used my mother 's personal information to open a XXXX home security account, but used my Social Security number without my authorization or consent to open a financing loan with XXXX. This unauthorized account is now appearing on my credit report. I never applied for this line of credit, I never signed a contract with XXXX, and they do not even have a payment card of mine on file. This is a case of identity fraud and predatory sales practices by the XXXX representative using XXXX XXXX lending platform. It reported on my credit report on XXXX XXXX XX/XX/year>.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of identity theft I submitted my ftc report to all three credit bureau and cfcb information was removed from my report then it reappeared its incorrect information due to identity theft ( 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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
KEEP HARRASING ME NON STOP. THREATING ME TO BE SUED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 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: NJ

Complaint narrative:
I am submitting this complaint against Citibank regarding XXXX billing disputes involving transactions for goods and services that I paid for but did not receive as agreed. I disputed both charges in good faith because I did not receive what I paid for. Citibank contacted the merchants and later ruled me responsible based on merchant responses that only showed that orders were placed. The merchants did not provide evidence showing that the goods or services were actually delivered or received. The first dispute involves XXXX Eats in the amount of {$290.00}. The transaction occurred on XX/XX/year>, and I disputed the charge on XX/XX/year> under Case ID XXXX. The second dispute involves XXXX in the amount of {$84.00}. The transaction occurred on XX/XX/year>, and I disputed the charge on XX/XX/year> under Case ID XXXX. The total amount in dispute is {$380.00}. Citibank marked both disputes as Resolved Customer Responsible after receiving responses from the merchants. However, the merchants only demonstrated that orders existed and failed to provide proof of delivery, proof of receipt, signature confirmation, photographs, GPS delivery records, or any other evidence establishing that I actually received the goods or services. I appealed both decisions and submitted additional supporting documentation. Citibank acknowledged receipt of my documents and stated that the disputes were under review. Despite this, as of today Citibank has failed to provide me with the evidence it relied upon and has failed to move the disputes forward in a meaningful manner. Citibank has not demonstrated that it conducted a reasonable investigation and has not shown that I received what I paid for. I believe Citibank improperly relied upon unsupported merchant statements and placed me at a disadvantage by requiring me to remain responsible for charges where there is no proof that the goods or services were delivered. Proof that an order was placed is not proof that the goods or services were actually provided.

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: OH

Complaint narrative:
FORMAL COMPLAINT REGARDING DISPUTE REJECTION / MERCHANT BREACH LendXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan ID : XXXX Transaction Date : XX/XX/XXXX Merchant : XXXX I am filing this complaint because XXXX, XXXX has XXXX my valid contract dispute, wrongfully charged off my account, and forwarded the balance to a third-party collection agency. XXXX is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission ( FTC ) Holder Rule ( XXXX CFR Part XXXX ). On XX/XX/XXXX, XXXX days prior to the first scheduled installment payment due date of XX/XX/XXXX, XXXX sent a formal, written cancellation request to the merchant, XXXX ( specifically to representative XXXX XXXX XXXX XXXX This cancellation occurred due to delivery delays and confusion initiated by the merchant. The merchant explicitly acknowledged my request but failed to process the cancellation credit back to XXXX XXXX XXXX as required by XXXX XXXX ( " Return of Goods and/or Cancellation of Services '' ) of the signed Loan Agreement. Because the merchant failed to forward the funds, XXXX left the loan active, marked the account as " XXXX XXXX '' on XX/XX/XXXX, and sent it to a collections agency. I have repeatedly attempted to resolve this through XXXX 's internal dispute tools, but XXXX keeps sending automated rejections citing my signed contract while totally ignoring my clear, binding, written proof of order cancellation. Under the FTC XXXX XXXX, XXXX and its collection agents are subject to all claims and defenses that I can assert against the merchant. Since the merchant failed to deliver the goods and ignored a valid cancellation request, I have XXXX legal liability for this balance. XXXX 's continued collection actions and negative reporting to credit bureaus are entirely unlawful. REMEDY REQUESTED : XXXX. XXXX must completely cancel XXXX ID : XXXX and show a XXXX ( {$0.00} ) balance. XXXX. XXXX must recall the account from the third-party debt collection agency. XXXX. XXXX must completely delete the negative " XXXX XXXX '' trade line from my XXXX XXXX XXXX XXXX credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
The company is XXXX XXXX card # XXXX I had paid my credit card account and didn't receive my available credit the amount Was {$180.00} a Late payment fee of {$41.00} XXXX XXXX and they had closed my credit card this the reason my I didn't receive credit to my account

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 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I purchased a vehicle through Credit Acceptance on XX/XX/year>. That vehicle broke down on XX/XX/year> due to a pre existing catastrophic engine failure. I had the vehicle towed to the selling dealer. The selling dealer transported my property to XXXX XXXX in XXXX and attempted to file an unauthorized third party warranty claim under my name without my signature or consent. Credit Acceptance customer service is refusing to open a dealer dispute or fraud investigation. Under the federal FTC Holder Rule, the lender is subject to all claims and defenses which the debtor could assert against the seller. The collateral for this loan is non-functional and was sold in bad faith.

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 2026-06-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I am filing this complaint because Fair Collections & Outsourcing is attempting to collect a rental debt for XXXX XXXX by XXXX that I dispute and do not owe. I moved out of XXXX XXXX and moved into my new address at XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/2024. I can provide proof that I was no longer residing at XXXX XXXX after that date. XXXX XXXX allowed individuals who were not listed on my lease to live in or remain at the property, and I should not be held responsible for rent, damages, fees, or charges caused by unauthorized occupants after I vacated. I dispute the full balance of {$5800.00}, the validity of the debt, the dates reported, and my legal responsibility for this account. I am requesting that Fair Collections & Outsourcing and XXXX XXXX by XXXX provide a full itemized ledger, the original lease, move-out records, the dates the charges were incurred, proof that I occupied the unit during the dates being charged, and proof that I am legally responsible for any individuals who were not on my lease. If they can not verify this information, I am requesting that the collection account be removed from my credit report and that collection activity stop.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been unenrolled from overdraft protection and have repeatedly asked Regions to STOP taking money from the account so I can close it as I am going through a divorce they are repeatedly taking money and charging overdraft fees and will not let me close it as it is not a XXXX balance but it is not a XXXX balance because they are theives. XXXX XXXX XXXX they have had to pay fines for the same type of thievery before and I really think you should look at them again they are a terrible bank just the absolute worst. Maybe fine them a XXXX this time so they will learn their lesson.

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