vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 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 went on a trip and used my Barclay credit card. Upon returning back to my hotel, I noticed a transaction with a merchant on my account that I did not approve. I quickly contacted Barclay and informed them of the situation. They temporarily credited my account {$10.00} and sent me a new credit card. After a few days Barclay contacted me to ask me if I still had my credit card in my possession and I told them yes. The following day they reversed the temporary credit. I told them again this charge for {$10.00} was not valid. They told me they were reversing the credit because the card 's chip technology had been used. I explained to them that I handed the merchant my card to process a transaction for {$75.00} and they not only processed that but then proceeded to process an additional {$10.00} transaction without my knowledge that I was disputing. I did not approve a {$10.00} transaction. I explained this to Barclay and they still refused to help me. Instead rewarded a business that scams consumers.

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 2026-06-16 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: GA

Complaint narrative:
I am submitting this regarding Ability Recovery Services , LLC for the improper reporting of two collection accounts on my credit reports. I believe this reporting raises serious concerns regarding my privacy rights and compliance with federal law. These accounts appear to involve medical-related debt, and as such, I am concerned that the reporting and sharing of this information may violate my protections under the Health Insurance Portability and Accountability Act ( HIPAA ) , which limits the disclosure of protected health information without proper authorization. Furthermore, I have formally requested validation and verification of these alleged debts pursuant to the Fair Debt Collection Practices Act ( FDCPA ), yet I have not received sufficient documentation demonstrating that these accounts are accurate, valid, or that Ability Recovery Services has the legal authority to collect on them. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be complete, accurate, and verifiable, and consumers have the right to dispute information that can not be substantiated. To date, I have not been provided with adequate proof, including any agreement bearing my signature or detailed records confirming the legitimacy of these 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 explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
My checking account with Citibank was closed without notice. I had money in my savings account that I was immediately cut off from. I contacted Citibank and was told by fraud department they closed it without notice no reason but was told 30-90 days to get the remaining funds in my checking account. I asked to speak with a supervisor but the customer service rep denied access to supervisor saying there is nothing they can do

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 2026-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I deposited two business checks at a Wells Fargo branch and was informed that the funds would be subject to a seven-business-day hold. Due to a federal holiday and intervening weekends, this results in a delay of approximately twelve calendar days before the funds are made available. When I contacted Wells Fargo regarding the hold, I was advised that the deposit was considered " unusual. '' However, this explanation is inconsistent with my long-standing banking history. Over the years, I have deposited similar business checks in comparable amounts into this account without being subjected to an extended hold. The transaction was not materially different from prior deposits that Wells Fargo had routinely accepted and made available under its normal funds availability practices. I have also confirmed that the checks have cleared the issuing business account, meaning the funds have already been collected. Despite this, Wells Fargo continues to restrict my access to the deposited funds. The explanation provided by Wells Fargo appears unsupported by my account history and prior deposit activity. As a result, I am concerned that the stated reason for the hold does not accurately reflect the circumstances of the transaction. I am further concerned that Wells Fargo may be applying increasingly restrictive hold practices without conducting an individualized and reasonable assessment of the specific deposit involved. Based on my experience, this appears to represent a change in Wells Fargo 's treatment of deposited funds. The practical effect of these extended holds is that the bank retains use of customer funds for additional periods of time after collection has occurred, while customers are denied access to money that has already cleared. I believe this practice warrants regulatory review to determine whether it is consistent with applicable funds availability requirements and whether the reasons provided to customers for such holds are accurate, transparent, and supported by the facts. I respectfully request that the CFPB investigate Wells Fargo 's handling of this deposit, review the basis for the extended hold, determine whether the bank 's actions comply with applicable regulations, and require Wells Fargo to provide a detailed explanation for why this deposit was classified as unusual despite a history of similar deposits being accepted without comparable restrictions.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO Bank which took over from failed XXXX XXXX XXXX XXXX is holding the {$2600.00} my account with the XXXX XXXX XXXX XXXX held when they close my account keeping my money. The bank says they will not return my money unless I provide them with my notarized statement made under penalty of perjury showing them to be blameless, that their story that the bank tried to return my mind unsuccessfully is correct and true as they explain it. I must say it is so under plenty of perjury. That they are blameless and they are correct is to be my statement and it is so is required of me or they will keep my money. I don't have the knowledge, myself that they require me to state is factual. I don't know if it is.

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 2026-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I disputed this account with the credit bureaus. I also sent a debt validation request via certified mail on XX/XX/year> to the collector and did not receive documentation validating the debt. Despite this, the account continues to be reported as verified

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 2026-06-16 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: PA

Complaint narrative:
I discovered that the accounts and inquiries appearing on my credit report were opened as a result of identity theft. I did not apply for, authorize, or have any involvement with these accounts, and I did not benefit from them. I filed an FTC Identity Theft Report and requested that the credit reporting agencies block and remove these fraudulent accounts under the Fair Credit Reporting Act, Section 605B. Despite this, the inaccurate information continues to appear on my credit report. I am requesting that these fraudulent accounts be properly investigated and permanently 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 2026-06-16 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: U.S. BANCORP
State: OH

Complaint narrative:
Upon my investigation of the credit card securitization process and the transactions arising from the credit agreement that I executed, I have reason to believe that the financial asset created by my signature may have generated value, proceeds, or benefits beyond those disclosed to me as the consumer. I need the Creditor to act in good faith to investigate the matter, and to produce the requested accounting ledgers and ownership records, and to address material questions concerning funding, transfers, securitization, and the current ownership of the alleged receivable. Based on the information presently available, I dispute the creditor 's accounting and claim that further investigation is required to determine whether amounts, credits, proceeds, recoveries, or other financial benefits associated with the credit agreement are due and owing to me. Until the requested records are produced and a good-faith investigation is completed, I reserve all rights and remedies available under applicable law. XXXX 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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
The Bank has an incorrect address and no one knows how to correct, I have spent hours on the phone with them, Have had a branch spend hours with support on their own trying to correct. Have opened a case XXXX and the person that i have to call never returns a phone call so the case does nothing as they dont call back.- I have left 3 messages and have called 7 times When you call customer service and ask to speak to someone in charge you are told a supervisor will be available in 20 minutes, they will not call you back you have to hold. So my complaint goes no where.

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 2026-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Today, XX/XX/year>, I received a text message from I.C system, inc.-debt collector and they sent a copy of the medical bill with my personal information on it through a text message without verifying they were sending it to the correct person. This is a violation as they can not text a copy of medical bills.

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 2026-06-16 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: AR

Complaint narrative:
I am disputing a collection account being reported by Ability Recovery Service regarding an alleged debt originally attributed to XXXX XXXX XXXX XXXX. On XX/XX/year>, I received an initial collection notice from Ability Recovery Service. The notice provided limited information regarding the alleged debt and did not include sufficient information for me to identify the account, including any date of service, itemization of charges, or other details necessary to determine whether the debt was valid. On or about XX/XX/year>, Ability Recovery Service reported the account to the credit reporting agencies as a collection account with a balance of approximately {$2300.00}. Within the 30-day dispute period, I sent a written debt validation request disputing the alleged debt and requesting documentation supporting the claim. My dispute letter was delivered to Ability Recovery Service 's designated mailing address and XXXX XXXX XXXX XX/XX/year>, as confirmed by XXXX delivery records. Despite receiving my timely dispute, Ability Recovery Service did not provide any validation or documentation identifying the alleged debt, including a date of service, itemized billing records, proof of liability, or documentation establishing its authority to collect the debt. The collection account continues to be reported despite my inability to identify the alleged obligation and despite the lack of validation provided by the collector. I also have concerns regarding the accuracy of the information being reported. The collection notice contained an address that included an apartment designation that does not correspond to my address. Additionally, the credit reporting information contains limited account history and reports a recent account opening date of XX/XX/year>, even though this appears to be a purchased collection account rather than a newly incurred obligation. After discovering the reporting, I disputed the account directly with the credit reporting agencies. I am requesting that the CFPB investigate whether Ability Recovery Service has complied with its obligations to properly validate and accurately report this alleged debt and whether it possesses sufficient documentation to verify the account being reported.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Reference : Applications XXXX and XXXX This is a new complaint regarding a breakdown of Bank of America 's regulatory resolution process and a contradictory identity denial. Following a previous escalation, XXXX XXXX XXXX instructed me that the applications could still be processed if I provided the remaining required documents. I then spoke directly to a Bank of America Underwriting agent, who explicitly confirmed that the bank HAD received my XXXX form, processed it, and successfully verified my identity. She stated all they needed to proceed was for me to re-send my tax returns with a physical signature. I complied exactly as instructed by Underwriting. Approximately two weeks later, Bank of America issued a new letter denying the application for " Unable to Identify. '' When I called Underwriting on XX/XX/year>, the agent contradicted his own department 's prior confirmation, stated he had " no idea '' why I was denied, blamed an un-overridable automated fraud algorithm from a system update last year, and refused to assist. Bank of America 's Underwriting department can not verbally confirm my identity is verified via my XXXX and then issue a boilerplate " Unable to Identify '' denial weeks later while holding my signed federal tax returns. I am requesting a manual executive override of this erroneous fraud flag.

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 2026-06-16 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: NC

Complaint narrative:
I discovered that the accounts and inquiries appearing on my credit report were opened as a result of identity theft. I did not apply for, authorize, or have any involvement with these accounts, and I did not benefit from them. I filed an FTC Identity Theft Report and requested that the credit reporting agencies block and remove these fraudulent accounts under the Fair Credit Reporting Act, Section 605B. Despite this, the inaccurate information continues to appear on my credit report. I am requesting that these fraudulent accounts be properly investigated and permanently 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 2026-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
I closed on a house on XXXX XX/XX/year> at XXXX, which was a Monday, and financed through XXXX XXXX. The loan estimate originally had me receiving {$200.00} at closing and then the initial closing disclosure changed to having me pay {$27.00}. When I spoke to the loan officer, he told me that the amount would not drastically change at final closing. I provided them all the inspection costs and insurance premiums well in advance before closing. I received the final closing disclosure on XXXX XX/XX/year> late XXXX, which was the Friday before the Monday of closing. The final closing disclosure drastically changes to making me pay {$2800.00} without any advance notice. I called the loan officer for explanation and he told me that apparently it was due to the inspection costs and insurance premiums and that I had no choice but to figure out how to pay it since closing was on the Monday. So I had only the weekend to figure out my finances. The loan officer had to know the drastic increase well in advance and waited until last minute so I had no choice but to pay or possibly lose the house. He did not apologize for not give me an advance notice or didn't take any ownership for not estimating the numbers properly before. It completely ruined what was supposed to be a good day for my family and I. We were only told we were playing {$27.00} at closing then a couple days before closing we had to give up {$2800.00} last minute.

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 2026-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I don't get support from Synchrony Bank. I have a XXXX 's XXXX XXXX credit card, I've had issues. Now I'm trying to close my account. They don't reply, normal for XXXX, lots of Consumer problems. I don't like their business practices. I can't understand the Agents, they don't speak XXXX, difficult to understand. I don't want any misunderstandings ; just close 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 2026-06-16 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 this fraudulent account for 3rd time now. I am not responsible for this account as it was opened fraudulently under my name as I have been a victim of identity theft. Please

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 2026-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These collection account is being reported on my credit file that I dispute as inaccurate and/or unverified. I requested validation of this debt, but the company failed to properly verify it. This reporting is causing harm to my credit profile and ability to obtain credit. I am requesting immediate investigation, deletion of any inaccurate information, and full compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681i ( reinvestigation requirements ) and 1681s-2 ( furnisher duties ).

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