vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-09 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: TX

Complaint narrative:
I dispute the accuracy, completeness, and validity of this collection account. Despite my request for validation, the account remains reported without adequate proof of ownership, contractual liability, payment history, or a complete chain of assignment demonstrating the collector 's legal authority to collect and report the debt.

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 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank announced changes to the US Bank XXXX XXXX XXXX XXXX Credit Card rewards program on XX/XX/XXXX. These changes changed the XXXX points redemption rate on " XXXX XXXX XXXX '' to XXXX. The announcement also indicated that US Bank XXXX reserve points would become transferable to other loyalty programs " Transfer your XXXX XXXX points to other airline and hotel loyalty programs, providing valuable flexibility to maximize your travel ''. The rewards program changes went into effect on XX/XX/XXXX without the ability to transfer points. For a period of time " Transfer Partners '' were indicated as coming soon within the rewards portal however this banner has since been removed. These changes made the rewards points much less valuable due to reduced flexibility and US Bank has still not implemented points transfer partners as of XX/XX/XXXX. I have contacted US Bank XXXX times regarding the lack of implementation of transferrable points. Once through email and twice through the card holder phone number. I have not received any information that this program will be implemented as promised.

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 2026-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: NJ

Complaint narrative:
I am submitting this complaint against Uprova because I believe its lending practices are predatory and unfair. The loan I received carried an extraordinarily high interest rate that I understand to be the equivalent of nearly 600 %. I believe these terms are excessive and place borrowers into a cycle of debt that is extremely difficult to escape. I am a person with a XXXX and have a XXXX XXXX XXXX. Because of my XXXX, I did not fully understand the true cost of this loan or its long-term financial consequences when I agreed to it. I believe the loan terms were not presented in a way that I could reasonably understand, particularly given my XXXX and financial circumstances. I am asking the Consumer Financial Protection Bureau to investigate Uprovas lending practices, including whether its disclosures and loan terms comply with federal and applicable state consumer protection laws. I also request that my loan be reviewed to determine whether I am entitled to relief, including any refund of excessive interest or other appropriate remedies. I appreciate the CFPBs commitment to protecting consumers from unfair, deceptive, or abusive financial practices, and I respectfully request that this complaint be investigated. 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 2026-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was a victim of identify theft, and a credit card at home depot was opened fraudulently in my name. When I noticed a bill in the mail I immediately called to report the account as fraud, I also filed with the FTC and put a fraud alert at all 3 credit agencies. About 1 month later I received a letter from home depot credit services indicating they had done an " investigation '' and that ultimately was responsible for the account balance. I got no call back or inquiry into anything associated with the account other than bills in the mail. The fraudulent purchases were made in the city XXXX Texas, which is over XXXX miles from my current residence in XXXX Tx, with many home depot stores between here and there, couple that fact with my extremely good credit history, the evidence is overwhelming supportive of fraud. Additionally, every home depot has many cameras in their stores, given they can see the exact day and time of the purchases, I think it would be extremely easy to see who made these purchases and compare that to a form of public ID I carry. The " investigation '' they conducted was not sufficient in any way.

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 2026-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate, unverifiable, and derogatory information on my credit report dated XX/XX/year>. Under the Fair Credit Reporting Act, specifically XXXX XXXX. XXXX ( b ) and XXXX, Experian has a legal obligation to maintain maximum possible accuracy and conduct a reasonable reinvestigation of disputed information. The continued reporting of these negative accounts has caused significant damage to my credit profile and financial opportunities. Disputed Negative Accounts : XXXX XXXX XXXX XXXX High Balance {$1400.00} Reported with Charge-Off status and multiple late payments. SUMMIT A * R Collection Balance {$300.00}. XXXX XXXX XXXX XXXX XXXX {$280.00}. XXXX XXXX XXXX Collection Balance {$1600.00}. XXXX XXXX XXXX XXXX {$1400.00}. XXXX, XXXX XXXX XXXX {$180.00}. XXXX XXXX XXXX Collection Balance {$1800.00}. I request that Experian immediately conduct a lawful reinvestigation, require each furnisher to provide original documentary evidence supporting the reporting of these accounts, and permanently delete any account that can not be fully 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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NC

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * 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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NC

Complaint narrative:
For over 9 months now, I have tried to contact his company ( tekcollect ) To obtain proof the so called debt I owe to a bankrupt company is a legal debt. They refuse to answer any of my attempts to collect this information. XXXX XXXX XXXX is no longer in business, and the contract I signed states that company as the debtor. They no longer provide the services I was paying for and can no longer collect on them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a formal complaint against my prior mortgage servicer, Pentagon Federal Credit Union ( PenFed ), for inaccurate and predatory credit reporting.On XX/XX/year>, I legally closed on a VA refinance with a new lender to pay off my PenFed account in full. The final signed Closing Disclosure and Settlement Addendum designated a full payoff amount of {$660000.00}. Due to an administrative processing shortage by the new lender 's settlement agent, a final balancing wire was transmitted to PenFed on XX/XX/year>, under Federal Wire Reference Number : XXXX. On that same day, XX/XX/XXXX, the new lender 's executive leadership explicitly contacted PenFed to state in writing that the administrative delay was entirely the lender 's fault and formally requested that no negative credit reporting occur against my profile. Despite having absolute knowledge that a full refinance had legally closed on XX/XX/XXXX, receiving the final payoff wire on XX/XX/XXXX, and receiving a formal admission of corporate fault from the financing bank, PenFed chose to ignore this information. On XX/XX/year>, they ruthlessly applied a 30-day late mark to my credit profile, destroying a lifelong, flawless payment history. Because the loan contract was legally terminated and assumed by a new lender mid-month, I did not have an active personal monthly mortgage obligation with PenFed that could legally trigger a 30-day delinquency reporting flag on XX/XX/XXXX. PenFed 's refusal to apply an administrative hold during a verified refinance closing transit window constitutes a severe violation of the Fair Credit Reporting Act ( FCRA ). I demand that Pentagon Federal Credit Union manually override their automated reporting error and completely delete/wipe the 30-day late mark for XXXX 2026 from all XXXX credit bureaus, restoring my account history to " Paid / Current as Agreed. ''

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In late XXXX, Wells Fargo changed its minimum balance requirement to avoid service fees in checking accounts from {$500.00} minimum balance to {$1500.00} minimum balance. I was keeping over a {$500.00} balance in my account in compliance with the requirements that were in effect when I opened the account. I was not notified of the change ( or did not receive an email or other obvious notification ) and was charged $ XXXX monthly service fees in XXXX and XX/XX/XXXX, then $ XXXX monthly service fees in XXXX XXXX. The lack of notification ( or lack of an obvious notification such as an email ) appears to be an intentional scheme to be able to charge more fees. Likely this happened to many others besides me. This is an unethical business practice and essentially a scam to allow Wells Fargo to charge more fees to its customers.

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 2026-07-09 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: PA

Complaint narrative:
Citibank closed my Credit Card ending in XXXX with any notification. My wife and I went through financial struggles after we was laid off while pregnant with our son. I was working with Citi on a payment plan and was making my payments. Only for me to find out while reviewing the XXXX app my account was closed without any notification or warning. I had been a customer for more than a 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 2026-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: FL

Complaint narrative:
I am requesting reimbursement for all membership charges assessed to my account because I never knowingly enrolled in or intended to maintain this membership. I discovered that Albert had been billing me for a membership that I was unaware of. I contacted Albert customer service on XX/XX/year>, after experiencing difficulty obtaining a resolution. During that conversation, I explained that I did not want the membership and requested cancellation. The representative advised me that previous months could not be refunded but stated that the membership would be canceled and that future charges would not continue. Based on that conversation, I believed the membership had been canceled and that the issue was resolved. However, Albert continued billing my account. After my cancellation request, Albert charged me again on XX/XX/year>, for {$24.00}. I was then charged another {$39.00} on XX/XX/year>. These charges occurred after I had already contacted Albert and was told the membership would be canceled. The charges I am requesting to be reviewed and refunded are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total amount requested : {$110.00}. I am requesting a full review of my account and reimbursement of these charges because I did not knowingly authorize this recurring membership, and I relied on Albert 's customer service representative 's statement that the membership would be canceled. I also request written confirmation that my membership is permanently canceled and that no additional charges will be made.

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 2026-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Macys account ending in XXXX since XXXX. In XXXX, I got an email from Macys asking if I requested a change in email. I called them then and said NO, and to cancel my card ( ending in XXXX ). They asked if I wanted a new card and I said NO. Ive made purchases from Macys online since but used other credit cards, thinking my account was closed. Now I see there is another account with Macys XXXX which is in dispute, under my name, with an address that isnt mine, that I never asked for. I called Macys 3 times and have spent hours on the phone with them without resolution. I disputed it with credit bureau with no resolution. The address for the new card was added to my credit report.by whom? The report says a Macys account from XXXX was closed but when I looked, the original ( XXXX ) was still open ; it had never been closed. The one they are reporting ( and closed ) wasnt opened in XXXX, doesnt end in XXXX. It doesnt have my address, I never asked for it, I never received a bill or used it. However, I cant seem to resolve this. Please help or direct 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 monetary relief
Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my MidFirst Bank account and the lack of assistance I have received in regaining access to my funds. For over three days, I have been unable to access my account or my money. During this time, I have gone to the bank multiple times in person seeking help, but no one has provided a clear explanation, resolution, or meaningful assistance. This has caused me serious inconvenience and concern, as I depend on access to my funds for my personal financial obligations. I am requesting that MidFirst Bank immediately review this matter, restore access to my account and funds, and provide a written explanation as to why my account access was restricted. I also request a clear timeline for resolution and the name of a representative who will be responsible for handling my complaint. Please contact me as soon as possible with an update. Sincerely, 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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( XXXX. ), XXXX XXXX. XXXX XXXX ( G ) Section XXXX ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-09 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: MS

Complaint narrative:
I have never heard of this company that has reported this debt on my credit I.C. System, I have never had an account with them and I do not owe them anything my email was flagged on pwned.

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 2026-07-09 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
After my car was repossesed, I tried to retrieve my personal identification documents and wallet with credit and debit cards. The repossesion company told me I have to wait a week or pay them " extortion '' fee to get them sooner. After I contacted my lender " Hyundai XXXX '' to assist with retrieving my personality documents and federally issued documents, they said that it's a 3rd party company and refused to offer any assistance.

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