vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Multiple attempts made at obtaining my escrow refund from Freedom Mortgage- initially sent check in XXXX and since was past 30 days they would not cash it, returned to me, they sent another check that check also bank said past 30 days and returned unpaid to me. I asked for a new check in XXXX told would be sent never sent, again in XXXX asked for the check to be reissued never was and lost, XX/XX/XXXX called back was told would send immediately and changed address with them still no check sent, XX/XX/XXXX called and spoke to someone they told me in the mail. XX/XX/year> called again and escrow still not returned! Now XXXX XXXX, representatives says will be processed on XXXX XXXX, then will take another 3-5 days to process and another 7 days to process and still no results! XXXX still not refunded.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute the validity of these inquiries, as I neither requested nor approved them. I ask that you carefully examine the circumstances surrounding these entries and promptly resolve any errors found. Attached are supporting documents that substantiate my claim and should be considered during your investigation.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I have a loan with Wells Fargo auto. I have tried to get lower monthly payments with no luck and have used deferments up. We had a XXXX XXXX XXXX happen and I have asked for a XXXX XXXX deferments and have been denied. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even with insurance, it is {$4200.00} put of pocket for this and we just got power back on today, its been out since XX/XX/XXXX. There is no water still and we have to hire a specialist as we cant find the line ourselves. We also had to pay for the new pole and an electrician to run power to the home. Due to the disaster, we have been out of work and have been running a generator for the freezer to save food. The cost of running 10 miles to town and 10 miles home everyday with gas for the generator adds up along with not being able to do laundry or shower at home.

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 2026-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
On or about XX/XX/year>, my loan with Service Finance Company was said to be defaulted causing my deferred interest agreement to be removed. I was never advised of a default and my loan shows paid in full for the full amount financed. I have sent proof of scheduled the scheduled payment and documentation that I received directly from Service Finance Company. They refuse to honor the terms and condition as outline although the loan shows fully paid. They are demanding that i pay interest and they re still charging interest on the full amount of the loan that is indeed paid in full.

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 2026-06-22 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:
My personal information, including my email account credentials and other PII, was compromised in multiple data breaches. As a result, unauthorized accounts and lines of credit were opened without my knowledge, permission.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: TX

Complaint narrative:
I was a victim of Identity theft in XXXX there were multiple accounts opened up in my name fraudulently. Merchants ADJ is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. Thank you

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 2026-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: AL

Complaint narrative:
XXXX XXXX XXXX was part of a data breach so my information was leaked out and I was part of a class action lawsuit because of my leaked information that tried to open up accounts in my name

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> {$15000.00} this account incorrectly reported as a charge off with a balance due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am filing this complaint against IC SYSTEMS regarding a collection account being reported on my credit report in the amount of {$230.00}. The original creditor is listed as XXXX XXXX. According to my credit report, this account was reported on XX/XX/year>, opened on XX/XX/year>, and is showing as open, unpaid, and listed as an individual account. I do not believe this account should be reporting unless IC SYSTEMS can provide full proof that the debt is valid, accurate, and belongs to me. I am requesting that IC SYSTEMS provide full written validation of this alleged debt, including the original agreement or contract, account application, billing statements, final bill, account number, service address, dates of service, and proof that I am legally responsible for the {$230.00} balance. I am also requesting proof that IC SYSTEMS has the legal authority to collect and report this account on behalf of XXXX XXXX. I need them to explain how they verified this account before placing it on my credit report. This collection account is negatively affecting my credit. I am also concerned about the accuracy of the reporting because the account information is limited and does not provide enough details for me to verify the debt. If IC SYSTEMS can not provide proper documentation proving that I am legally responsible for this alleged XXXX XXXX debt, I am requesting that the account be deleted from all credit reporting agencies immediately and that all collection activity stop. I am asking the CFPB to assist in having this matter properly investigated and to require IC SYSTEMS to either provide written proof of the debt or remove the inaccurate collection account from my credit file.

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 2026-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I checked my credit profile and are seeing accounts I didn't open and my identity was stolen please remove thank you.

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 2026-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, This statement concerns a dispute regarding a repossession that occurred on my account. I assert that Regional Acceptance failed to comply with the requirements of the Texas Business and Commerce Code, specifically sections 9.611 and 9.614, concerning notification of disposition of collateral. I did not receive the legally mandated notices detailing the disposition of the repossessed property or outlining my rights as a consumer in such a transaction. On XX/XX/year>, I emailed Regional Acceptance regarding this matter, requesting clarification and the required documentation. To date, I have not received a response to my inquiry. The absence of these crucial notifications means I was not properly informed of the impending sale of the collateral, nor was I given adequate opportunity to exercise my rights, including the right to redeem the collateral or understand my potential liability for a deficiency. This lack of proper notification directly violated my consumer rights under Texas law. Therefore, I am requesting a dispute on this repossession. The failure to provide accurate and timely information, as required by law, has compromised my ability to act on my rights and responsibilities. I believe this repossession was handled improperly due to the absence of the necessary legal notices.

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 2026-06-22 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: PA

Complaint narrative:
Improper annual fee charge, failure to provide replacement card after portfolio transfer, and inappropriate collections activity. Citi took over our credit card account after the transfer from XXXX. Citi failed to send the new replacement card for more than 2 months. During this period, I called Citi twice to request help, expedite the card, and gain access to the online account, but Citi was unable to resolve the issue or provide us with a usable card. I finally received the replacement card this past weekend, months after the transfer. It was only once the card was physically in my hands that I was able to call Citi to cancel the account, since I could not activate or access the account prior to receiving the card. When I called to cancel, Citis phone system immediately forwarded the call to collections, even though the only balance was a {$99.00} annual fee for a card and service Citi failed to provide for months. I dispute this fee because Citi did not provide the product or service. Directing us to collections for a fee tied to Citis own failure to issue the card is inappropriate and misleading.

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 2026-06-22 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. Please remove it from my credit report or Im seeking litigation please delete. 1 ) I demand the following fraudulent Inquiries deleted from my credit report immediately. Bank Name : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX ) I demand the following fraudulent Inquiries deleted from my credit report immediately. Bank Name : XXXXXXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Consumer Complaint Against Credit Acceptance Corporation, XXXX XXXX XXXX Car Sales, XXXX XXXX XXXX, and the Service Contract XXXX I am filing this complaint because multiple entities engaged in conduct that constitutes unfair, deceptive, abusive, and unlawful business practices, resulting in financial harm, improper credit reporting, and violations of federal and Michigan law. XXXX. Vehicle Failure Under Active Service Contract I purchased a XXXX XXXX XXXX with a service contract valid until 150,000 miles. In XXXX, at under 120,000 miles, the heating system failed. This failure occurred squarely within the coverage period. The service contract administrator failed to authorize repairs, failed to process a claim, and failed to issue a written denial. XXXX. Dealer Misconduct XXXX XXXX XXXX Car Sales Directed me to XXXX XXXX XXXX. Failed to assist with the service contract claim. Failed to ensure repairs were completed. Failed to intervene when the repair shop held my vehicle for nearly XXXX months. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Retained my vehicle for almost two months. Failed to repair the heating system. Failed to submit a claim to the service contract XXXX. Failed to provide written estimates or documentation. XXXX. Credit Acceptance False Delinquency & Illegal Fees While my vehicle was inoperable, Credit Acceptance approved a $ XXXX hardship arrangement. I complied. Despite this, Credit Acceptance : Assessed over {$7000.00} in late fees Reported me delinquent Created a false past due balance Failed to adjust the account to reflect the modified arrangement Failed to correct inaccurate reporting This violates : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 2 ) Regulation Z 1026.10 Michigan Credit Reform Act Michigan Consumer Protection Act

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I opened XXXX account # XXXX in person at a branch near the end of XXXX with a XXXX XXXX in XXXX, WV named XXXX XXXX ( email XXXX ). During the opening, I made sure to hand XXXX the attached document with promotion code XXXX that states that a {$400.00} bonus will be deposited if the following terms were met : " Open a new Truist XXXX XXXX Checking or XXXX XXXX Checking account online, via phone, or in a branch from XX/XX/XXXX through XX/XX/XXXX and earn {$400.00} by making Qualifying Deposits * of {$2000.00} or more into your new account within XXXX days of account opening. '' The above requirement was met on XX/XX/XXXX. And the requirements in regards to the eligibility are as follows : You must be a new Truist XXXX checking client. To be considered a new XXXX XXXX client, the business can not have an existing Truist XXXX checking account or have closed a Truist XXXX checking account within XXXX days of the promotion start date ( i.e., on or after XX/XX/XXXX ), with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ). - I have never had a Truist XXXX checking account. The business account holder must be XXXX years or older at time of account opening. - I am over XXXX. The account holder can not be a nXXXX XXXX. - I am a US XXXX. The business account holder must have a valid U.S. TIN. The businesss physical address must be located in XXXX of the following states : AL, AR, FL, GA, IN, KY, MD, MS , NC, NJ, OH, PA, SC, TN, TX, VA, WV or DC. - I live in West Virginia As you can see, I meet all requirements and eligibility criteria so when the bonus was not paid I inquired with XXXX about the status of the bonus after the date had passed where it was promised to be paid by. Here is a record of all attempts to contact XXXX XXXX regarding this matter : XX/XX/XXXX - Email - No response XX/XX/XXXX - Email - Responded promising an update within XXXX day, to date no other responses or update XX/XX/XXXX - Email - Asked if there was someone else we need to contact, no response XX/XX/XXXX - Phone call - Left voicemail, no response XX/XX/XXXX - Phone call - Left voicemail, no response

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 2026-06-22 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a formal complaint against Barclays for failure to properly investigate a high-value XXXX XXXX and XXXX XXXX XXXX. On XX/XX/year>, I was the XXXX of a XXXX business-opportunity XXXX orchestrated by XXXX XXXX XXXX . The merchant used remote-desktop software to gain visibility into my personal computer and coerced the simultaneous opening and draining of my credit lines, charging an exact amount of {$4500.00} to this Barclays card . Barclays XXXX XXXX has refused to process old dispute requests due to standard timeline limits. However, this is a documented instance of XXXX XXXX, deceptive trade practices, and credit manipulation via remote device access. which renders any transaction contract legally void. The contractually promised marketing systems, XXXX XXXX, and XXXX campaigns were completely unrendered. I have fully documented this crime with federal government under FTC Report Number XXXX. I demand that Barclays XXXX XXXX XXXX XXXX launch an internal investigation into this merchant account and reverse these XXXX 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 explanation