vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing Truists decision to deny my fraud claim regarding the {$15000.00} transaction. I did not knowingly authorize this transaction. I believe I was the victim of fraud after being deceived by an individual who misrepresented themselves and caused unauthorized activity on my account. Truist denied my claim, stating that the transaction was authorized, but I disagree with that conclusion. I am requesting that Truist provide all of the evidence used in its investigation, including copies of any checks, signatures, IP address or device login information, recordings, and any other documentation relied upon to determine that the transaction was authorized. I believe I acted in good faith and reported the fraud as soon as I became aware of it. I respectfully request that Truist conduct a thorough review of my case and reconsider its decision based on all available evidence. I also request reimbursement if the investigation shows that I was the victim of 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 2026-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am filing this complaint because LoanCare failed to honor a Promise to Pay agreement that was created due to an error made by its own representative. My mortgage became delinquent for the months of XXXX through XX/XX/year>. I contacted LoanCare to resolve the delinquency and entered into a Promise to Pay agreement. On XX/XX/year>, I made the first required payment of {$6500.00} and was provided Confirmation Number XXXX for the second Promise to Pay. During that phone call, the LoanCare representative advised me that the remaining Promise to Pay balance was {$3700.00}. The representative also explained that my regular XXXX mortgage payment of {$4200.00} would be due separately. The representative repeatedly offered to spread either the remaining balance or the XXXX payment over the next 46 months through a payment plan. I declined because my intention was to pay the remaining balance in full and bring my mortgage current. When I later called to make the second payment, I was informed that I actually owed more than {$12000.00} and that the original Promise to Pay had been calculated incorrectly by LoanCares representative. LoanCare refused to honor the agreement that it created, despite issuing a confirmation number and despite my reliance on the information provided by its employee. I have contacted LoanCare multiple times, escalated the matter to at least two supervisors, and specifically requested that they review the recorded phone call in which the Promise to Pay agreement was established. I have also provided the confirmation number associated with the agreement. LoanCare has refused to review the recording, refused to honor the agreement, and refused to provide any meaningful resolution. Instead, I am now being required to pay thousands of dollars more because of LoanCares admitted calculation error. I am not disputing my responsibility to pay my mortgage. I am disputing LoanCares failure to honor an agreement that was created based on its own error and its refusal to correct that error after I relied on the terms provided by its representative. I am requesting that LoanCare : * Review the recorded phone call associated with Confirmation Number XXXX. * Honor the original Promise to Pay agreement or provide an equivalent resolution that places me in the position I would have been in had LoanCare correctly calculated the agreement. * Provide a complete accounting explaining how the original Promise to Pay amount was calculated, why it was later determined to be incorrect, and why the agreement was not honored. * Correct any servicing errors resulting from this issue and ensure I am not penalized because of LoanCares mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
My USSA credit card was hacked back in XX/XX/year>. I noticed the statement in XX/XX/year>, due to me being admitted to the VXXXX XXXXXXXX in XXXX, XXXX During the 3 months that my card was used, {$16000.00} of charges were posted to my account. {$18000.00} in payments from my checking account were made during that same amount of time. I have filed disputes with USAA Credit Card, but they have not resolved the matter. I am requesting that the charges that were made on my card be disputed and the XXXX payments be returned to my checking 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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> I applied for a credit card to transfer a balance of another credit card for a better interest rate. I found Citi to have the best offer. I proceeded providing my information and got approved for a card and also received a credit limit. When on the page to enter a balance transfer account, I entered my current credit card, where it errored and stated that it could not proceed due to being an affiliate. Looking at their list, my card was not listed as an affiliate card. No relation to my card could be found on the list. I tried to contact customer service, which the first number tried rang until a XXXX error message was picked up. Finally got a hold of a representative, and she stated that she could not find my information. Stating that it could take up to 14 days until someone enters my information into the system. This was not stated that there was a wait period at the time of sign up. And my credit report took a hit for there to be no info out there or someone to contact about the info. The company was very reluctant on resolving the dispute and stated that I would not receive a contract for up to 14 days. This gives me no way to review what was in the contract that I signed up for. A copy should be sent as soon as info is submitted. This needs to be enforced with a contractual business, and the contract should be given 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 2026-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: MD

Complaint narrative:
Receiving letters stating I owe {$9500.00} for XXXX XXXXXXXX XXXX. I have was a victim of identity theft. I did not authorize any to use my information to open or access any of my accounts. This account dies not belong to 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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
I checked my credit XXXX and there was supposed to be already a fraud alert in place. However, theres an account in the name of L J Ross Associates Inc in my credit as a result of identity theft. I already filed a police report but Im trying to remove this account from my credit and I need to submit an FTC complaint. That account is not mine, I did not consent to it, and it was opened fraudulently

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Emergency : Foreclosure Sale scheduled for XX/XX/year>. My servicer, Freedom Mortgage, violated HUD XXXX XXXX by giving me a false sale date of XX/XX/XXXX on a recorded line, blocking my legal right to cure. A Freedom Mortgage supervisor listened to the recording today at approximately XXXX XXXX XXXX and her demeanor completely changed, but she refused to halt the sale without a XXXX. I demand an immediate emergency suspension of tomorrow 's foreclosure sale due to dual-tracking and severe material servicer error. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Since XXXX, I have requested this information on a monthly basis. Despite my repeated efforts, the company has failed to provide the requested documentation. Additionally, I have been unable to reach a representative directly to discuss or resolve this matter, which has prevented me from obtaining the information necessary to verify the alleged debt and has unnecessarily prolonged the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: AL

Complaint narrative:
Issue : Debt collection communication practices/ Unlawful third-party disclosure Description of Incident : I am receiving automated debt collection text messages from Credit Control , LLC on my personal cell phone number. These messages are not for me. The texts addresses someone named " XXXX '' ( which is not my name ) and states : " your XXXX XXXX bank account is with credit control. '' Credit Control , LLC has sent this text message twice from their registered short code XXXX on XX/XX/XXXX and XXXX. I have no relationship with this debt or this debtor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I opened my savings account over a decade ago and the only external account I have connected for transfers has been closed for several years. On XX/XX/XXXX, I tried to link a new external account, and on the web portal was instructed that I would be able to verify my account by typing in the values of the test transactions sent to my external account, which would post in 2-3 business days. The next day, XX/XX/XXXX, I received an additional email stating " Unfortunately, we are unable to verify the information for this account and we need additional documentation, '' and requesting personal information ( a photo of my driver 's license and a copy of my most recent bank statement from the external account ) to be emailed to them. The email looks like a phishing email, but is genuine ( I received the same message on their web portal ). I am not comfortable with sending my personal information through an insecure channel, so I called customer service to ask why the test transaction validation was canceled, and what alternatives I could take that did not require sending my data by email ( or standard snail mail, which is slow and can be lost ). I placed the call at XXXX XXXX on XX/XX/XXXX. The customer service agent told me that they always require both the test transactions and the additional documentation. Note : I was locked out of the option to submit the test transaction values at all, so her statement can not be true. The agent also told me that the email is secure because they have their own domain, which shows that she's been given incorrect/incomplete data security education . She verified that there was NO other way for me to verify my external account without sending the information by email. They do not have any secure means of collecting their customer 's personal information. Through XXXX, I've learned that they now collect even more sensitive information via email when opening a new account ( including SSN or W2, drivers license, and bank/utility statements ). This is a separate issue to mine, but worth mentioning, because it exemplifies just how poorly they protect consumer 's sensitive personal information. I am now unable to access the money in my account AT ALL without divulging my personal information via unsecured/unencrypted email. Their current policies around transfers were not in place when I opened my account, and I was not notified that it would be changing. I would NOT have chosen to do business with Barclays if I was aware that I'd have to compromise my personal information in order to move funds into our out 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 explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: NC

Complaint narrative:
On XXXX XXXX I received an update to my credit report for a collections from Nationwide Capital XXXX for the amount of {$630.00} there was hardly any information and the creditor company of XXXX Bank XXXX I have no knowledge of any debt with them. I am unable to dispute the debt. I have reached out to the company but the can not verify the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I contacted Wells Fargo on XX/XX/XXXX after learning my account was negative because I wanted to keep the account open and resolve the issue. I was told by a representative that I had 90 days to bring the account current. I relied on that information. My account was closed on XX/XX/XXXX, and I was not notified beforehand that the account was scheduled for closure. I only learned after the closure occurred. I am requesting a review of the call recording, the account notes, and the notice history, and I would like an explanation and resolution for the inaccurate information and lack of notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of coordinated identity theft and account takeover, currently under active investigation by Citibank 's Identity Theft Unit. Threat actors successfully linked a fraudulent external account ( XXXX XXXX ending in XXXX ) to my Citibank profile XXXX Because of a massive internal processing error, Citibanks automated billing software mistakenly defaulted my primary card ( Citi ThankYou Preferred ) to auto-pay from this verified fraudulent hacker account. When the {$9300.00} transaction naturally bounced, Citibanks automated system abruptly closed my perfect-standing account for non-payment. Frontline phone staff refuse to assist, claiming an un-overrideable automated six-month lock. Citibank is actively penalizing a documented fraud victim, destroying my credit access, and reporting adverse marks to credit bureaus due to its own systemic automated payment glitch. I demand an immediate executive regulatory review to reverse this auto-closure, reinstate my account/points, and completely purge the fraudulent account link from my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

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