vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow-up to a prior CFPB complaint against Bank of America that was closed without resolution. Bank of America 's response to that complaint contained factual inaccuracies that I was unable to dispute as the complaint was closed before I could respond. Complaint number : XXXX2 I reject Bank of America 's response for the following reasons : 1. The XXXX is not a for-profit business. The group charter presented at the branch explicitly states that the XXXX is not organized for profit and that no funds shall inure to the benefit of any individual member. Bank of America 's characterization of our organization as for-profit is factually incorrect and contradicts documentation we provided in person. 2. Articles of Incorporation are not required. California Corporations Code 18035 explicitly recognizes unincorporated nonprofit associations without any state filing. Bank of America 's requirement for Articles of Incorporation has no basis in law and reflects a training deficiency, not a legal requirement. 3. The citizenship question. Bank of America reframes this as routine residency verification. The question as posed whether we were " legal aliens '' is not standard verification language for U.S. citizens and is inconsistent with how such checks are normally conducted. I stand by 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 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, representatives of XXXX XXXX XXXX arrived at my location to repossess my vehicle. Before the tow truck was connected to my vehicle and before any repossession had been completed, I clearly and verbally informed the repossession agents that I objected to the repossession and instructed them not to tow my vehicle. Despite my verbal objection, the repossession agents did not stop their actions. Instead, they proceeded to quickly connect the tow truck to my vehicle and continued with the repossession. My objection was made before the vehicle was hooked up to the tow truck, and the agents had the opportunity to cease their actions but chose to continue. I believe this conduct may constitute a breach of the peace under A.R.S. 47-9609, which permits repossession only if it can be accomplished without a breach of the peace. By disregarding my clear verbal objection and continuing the repossession, the agents failed to conduct the repossession in a lawful manner.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Account Number : XXXX Amount : CREDIT XXXX XXXX XXXX : {$170.00} 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 * Error & Omissions Insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry does not relate to any activity I have conducted.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i noticed the bank was not paying my bills and the money for my debits were missing

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
XXXX XXXX I've been through fraud Navy Federal also XXXX I'm a victim of identity theft someone has stolen checks and also With XXXX check cashing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I got a loan for {$400.00} and they making me pay a XXXX back I think that's too much

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 2026-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/year>, I submitted an ACH transfer of {$540.00} from my Navy Federal Credit Union account to an external third-party account ending in XXXX, to purchase goods from a XXXX-based merchant website XXXX Prior to payment, the merchant did not disclose critical information that the ordered items would be seized by XXXX XXXX and prohibited from entering the United States ; this deceptive omission induced me to complete the transfer. Shortly after shipment, the full package was detained and seized by XXXX XXXX via XXXX, and I never received any purchased merchandise at all. Immediately after receiving the customs seizure notice, I contacted the merchant repeatedly to demand a full {$540.00} refund, yet the merchant refused to process any reimbursement. I then submitted a formal Reg E electronic fund transfer dispute through Navy Federals secure eMessage portal, attaching all supporting evidence including official XXXX XXXX seizure documentation, full merchant email correspondence, bank transfer receipts, and website advertising screenshots. My formal request included a full, compliant Reg E investigation, temporary provisional credit of {$540.00} to my account, an official case tracking number, and written updates on the investigation timeline. On XX/XX/year>, Navy Federal issued a one-sided full denial of my Reg E claim. The institutions reasoning was limited only to the fact that I personally authorized the ACH transfer, claiming Regulation E does not provide buyer protection for authorized purchases that fail to deliver goods. The bank only offered to send an unenforceable voluntary inquiry letter to the receiving financial institution, with XXXX guarantee of fund recovery, and refused to complete a full factual investigation into the merchants deceptive sales practices and complete non-delivery of goods. I formally disagree with this narrow, incomplete ruling. While I completed the transfer authorization steps, the entire transaction was procured through material misrepresentation by the overseas merchant, I received XXXX consideration for my payment, and Navy Federal failed to conduct a holistic Reg E investigation required under the Electronic Fund Transfer Act ( EFTA ), ignoring all supporting evidence of fraud and non-performance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Initially, my US Bank account was hacked XX/XX/XXXX w the aid of a US Bank phone representative. Allowing an impersonator to fraudulently change information on my account w the help of the telephone representative. Most transactions have been resolved. BUT unfortunately the account is still open and there are minimal transactions needed to be resolved. I was told there would be a provisional credit to me by a phone representative on XX/XX/XXXX, XXXX, in the amount of XXXX check would be mailed to me. After calling back on XX/XX/XXXX, I am told that will not be the case by XXXX, due to the fact that the account was in the negative. But, I am being held accountable for the negative balance that occurred w/ fraudulent transactions on my account. I did not make the account negative, the hackers stealing my money did. They were stealing my money and I'm not getting all my money back. Also, I requested a contact to the Credit Bureaus notifying them that my US Bank account was hacked and a US Bank representative was the instigator of the problem. XXXX refused to submit a request. I am responsible for the credit card portion of the transactions to report. This all included debit, credit, and 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting this complaint against Macys XXXX XXXX regarding its failure to conduct a reasonable investigation into an unauthorized XXXX XXXX transaction in the amount of {$4100.00} and its subsequent reversal of a temporary credit without providing any meaningful explanation or supporting evidence. On or about XX/XX/2026, an unauthorized transaction in the amount of {$4100.00} was processed through XXXX XXXX and charged to my Macys XXXX XXXX card ending in XXXX. The transaction description appeared as XXXX XXXX XXXX XXXXXXXX XXXX and was categorized as XXXX Funding. This transaction was not authorized by me. An unauthorized individual gained access to my wifes XXXX XXXX account and used my credit card information without my knowledge, permission, or consent. Upon discovering the transaction, I promptly notified Macys XXXX XXXX and disputed the charge. Macys XXXX XXXX initially issued a temporary credit while the matter was under investigation. However, after issuing the temporary credit, Macys XXXX XXXX later removed the credit and reinstated the {$4100.00} charge without providing any meaningful explanation, supporting documentation, or evidence establishing that I authorized the transaction. To date, Macys XXXX XXXX has failed to provide copies of its investigation findings, authentication records, IP address information, device information, or any documentation received from Cash App demonstrating that I personally authorized or benefited from this transaction. I believe Macys XXXX XXXX failed to conduct a reasonable investigation as required under the Fair Credit Billing Act, 15 U.S.C. 1666, and Regulation Z, 12 C.F.R. 1026.13. Simply relying upon the fact that the transaction contained my wifes name does not establish that I authorized the transaction or that the transaction was legitimate. I dispute this debt in its entirety and maintain that this charge resulted from unauthorized access to my wifes XXXX XXXX account. Macys XXXX XXXX has improperly shifted the burden onto me without producing any evidence supporting its decision to reverse the temporary credit. I am requesting CFPB assistance because Macys XXXX XXXX has refused to properly investigate this matter and has failed to provide the evidence relied upon in denying my claim.

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 2026-06-17 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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am writing to dispute accounts and charges that were opened in my name without my knowledge or authorization. In XXXX, my wallet was stolen. The wallet contained my driver 's license/identification card and my Social Security card . After the theft, I began noticing credit card accounts and other accounts appearing on my credit report that I never applied for, opened, or authorized. I believe I am a victim of identity theft, and these accounts were fraudulently opened using my stolen personal information. I respectfully request that you investigate these accounts, remove any fraudulent charges or obligations associated with them, and provide me with written confirmation of your findings. I have never authorized these accounts and am not responsible for any debts, charges, or activity associated with them

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 2026-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding a restriction placed on my XXXX access through Wells Fargo. A person who sent me money in XXXX of XXXX later reported the transaction as fraudulent to their bank. The transaction was not fraudulent and was authorized. I provided Wells Fargo with supporting documentation, including messages between myself and the sender demonstrating that the transfer was legitimate. Despite submitting this evidence, Wells Fargo continues to advise me that the only way my XXXX access can be restored is if the sender contacts their bank and withdraws the claim. I have attempted to contact the sender multiple times, but they are no longer responding. As a result, I am being denied access to XXXX based on circumstances that are entirely outside of my control. I am seeking a formal review of my case, a clear written explanation of the basis for the restriction, and clarification as to whether there is any process available for reinstatement that does not depend on the cooperation of a third party who refuses to respond. I have acted in good faith, provided documentation supporting my position, and have been unable to obtain a meaningful review or resolution despite multiple attempts to work with Wells Fargo directly.

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 2026-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wire Transfer Issue Receive an email alert that 2 Wire Transfer recipient has been added. XXXX XXXX - XXXX XXXX XXXX XXXX Noticing fund missing from my saving Account. Call Wellsfargo fraud Dept around XXXXXXXX XXXX. Did not Authorized it. requested a wire recall. Disputed the transaction. A Claim was generated. XXXX The status of the fund was Pending Wire Transfer {$8100.00}. Wire sent to XXXX XXXX Following day calls the XXXX XXXX for an update. A new claim was generated XXXX. The claim was denied and the bank initiated a closer of the Account. Letter state that the transaction compiled with governing security procedure. Escalated to the XXXX XXXX XXXX XXXX. Claim still denied. Ask for written explanation of the security procedure and why the bank believe it proves authorization. Disputed the transaction and stated and I did not authorize it.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: OK

Complaint narrative:
Collections agency is harassing me over a debt that was a part of a verified identity theft report. Repeatedly called me from many numbers even after telling them to not call me again. Texted me multiple times after responding 'STOP ' to text messages.

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 2026-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
Following up to existing case # XXXX Open ( continued ) I am disputing the validity of my XXXX XXXX loans. There are 8 documents on my account for these loans, and none of them contain my signature. I never signed a Master Promissory Note for these loans. The only XXXX I signed was for XXXX of XXXX XXXX, which has already been paid off in full. I am requesting these XXXX XXXX loans be discharged because I never entered into a contract to repay 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My respect to you, but what kind of feedback I supposed to give you. Six months almost passed. I paying minimal payment for the money What I never spent. Basically you punish innocent person and I dont know how long its going to continue. You know I was cooperate with Bank of America fraud Department investigators. I didnt know it was criminals the way how they act it was people who used to work with you probably maybe. Did you caught them already? Does XXXX XXXX in Ohio give valuable information for 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I updated my address due to relocation and the company closed the account. I called customer support to ask the reason for the closure and all I was told is that I requested an address change. I then asked for a reinstatement and was told that the account was not eligible for reinstatement. This hurt my credit and caused a delay in my home buying process

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received a text from XXXX asking me did I authorize 2 charges from XXXX, XXXX for XXXX, another for XXXX I text back no. The next morning when I called Wells Fargo to get another card, they informed me that my account was charged XXXX from XXXX. It was obvious that my card was compromised because of the other two transactions that they were trying to do, So I did a dispute it. XX/XX/XXXX they denied that dispute. I proceeded to ask for the findings leading up to their decision and they have yet to provide that for me. So I called and spoke with the account manager, and they stated that because my phone was used that they came up with that conclusion that I made the transaction. XXXX is an application that has been on my phone for years. I have not used it since XXXX out of nowhere. My car was charged XXXX, XXXX does not have my card number nor did I use XXXX XXXX because its not on my statement. I cant even get a receipt from XXXX because they wont provide that for me. This is fraud, I stated several times that this is fraud. I dont even have a valid license to do a car rental. And they also was hurt that XXXX and XXXX back to me but not the 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