vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — Store credit 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:
My Best Buy credit card was completely paid off to a XXXX balance. The merchant subsequently placed an unauthorized {$190.00} auto-renewal charge for a 'My Best Buy Total ' membership onto my card without my consent. The merchant has since formally acknowledged the billing error and issued a partial refund of {$140.00}, leaving an illegitimate residual balance of {$51.00}. Citibank allowed this unauthorized fee to overdraw the account, assessed consecutive predatory late fees, and closed my account. Citibanks automated phone menus are actively rejecting my phone number, blocking me from reaching a live agent. Citibank has now wrongfully reported this disputed merchant charge to collections via XXXX XXXX XXXX, causing immediate and severe damage to my credit score. Because the root source of this debt is an unauthorized corporate auto-renewal that the merchant has already partially reversed, I demand that Citibank immediately waive the remaining {$51.00} balance, reverse all accumulated late fees, recall the debt from XXXX XXXX XXXX XXXX and completely delete the negative tradeline from my credit bureau reports . ''

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I am filing this complaint because I believe this account is being reported inaccurately on my credit reports. I disputed the account with the credit bureaus after noticing that important information does not match. For example, the Date of Last Payment is different depending on which credit bureau I look at. The Date Last Active is also reported differently. The account also shows a {$1500.00} credit limit even though the account is closed. After I filed my disputes, I was told that the account had been verified as accurate. However, the same issues remain and nothing was corrected. I have also asked for documents supporting the information being reported, including the original agreement, account statements, payment history, and records showing how the account was verified. I have not received the documents needed to explain the discrepancies or support the information being reported. I do not understand how the account can be verified as accurate when different credit bureaus are reporting different dates for the same account. I am concerned that the information being reported is not accurate and that my disputes were not properly reviewed.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/year> - Opened case with Wells Fargo business accounts to dispute unauthorized transactions on business debit card and business checks. I own a business, but I don't actively work in the business. I have a general manager ( GM ) that handled all payments, collection of funds, and payroll for employees. During the period of XXXX through XXXX, my GM made many unauthorized transactions on XXXX using the company debit card and her personal address to purchase items unrelated to the business or for her own benefit. Additionally, along with authorized checks she made out to employees for pay, she made several unauthorized checks to her boyfriends construction company, I have had no construction work done however. Between the unauthorized checks and unauthorized debit purchases, my business is out almost XXXX in fraudulent unauthorized purchases. I reported all this to the police as well as wells fargo but wells fargo denied the fraud within a day of opening the case because they determined there were no " fraud markers '' however I am unsure what that phrase means. Interestingly enough, although wells fargo claims there are no " fraud markers '' they have still made me close out the account and provided me with a new checking account number, new business debit card, and new checks. If they believe there is no fraud, then why have a customer create all new account details? From what I have gathered, Wells Fargo does not want to approve the case, due to the large amount they are liable to me to replace due to the banking laws. Additionally, they make it incredibly hard to speak with the investigator handling the case. They will not provide a phone number or even an area code so that I can be prepared when I see the call come in. I am a 100 % service connected XXXX veteran, I have never been dishonest with any bank, nor financial company, and they have essentially called me a liar of which I am not. In short, WELLS FARGO would like to portray themselves as a bank that will protect their customers, however they are just interested in protecting themselves. I have a police case number with the XXXX XXXX XXXX XXXX XXXX and a detective working on the fraud case for grand theft, illegal check writing and cashing. Police case number - 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 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wired {$6000.00} from my Wells Fargo checking account to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. Have done this transfer numerous times over the last XXXX years, no problems. XXXX week passed deposit was not received, contacted XXXX, and opened a recall request on XX/XX/XXXX, they said it should take XXXX days. Everytime I called on this recall request ticket, they stated waiting on beneficiary bank. This has been their reply now for XXXX months. Numerous attempts to contact beneficiary bank have failed. The have not informed where my money is being held, but believe it's at the XXXX XXXX, which is XXXX. Opened a complaint with XXXX, and asked for the XXXX XXXX Report. They finally sent it to me after XXXX months. I forwarded it to my XXXX XXXX, the can find no record of the transaction. In conclusion, this transfer has failed, I need the money returned to my checking, as I requested back XXXX. Any assistance will be greatly appreciated. Thank you. 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 monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> is used an atm located at XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX XXXX I attempted to make a deposit into my savings account, I inserted {$1300.00} dollars into the atm it acted like it was processing my deposit and the atm returned XXXX dollars cash and then it malfunctioned, it gave me a receipt with the incorrect amount that i deposited its XXXX dollars short .. it said for security reasons the atm is holding my deposit and to contact the bank which is XXXX XXXX I am requesting that my money be credit back to my account as soon as possible I have already contacted my bank but the issue has not been resolved and XXXX out of town with no money XXXX stranded the atm took all my cash this situation has caused me financial inconvenience, and I need it corrected promptly

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 2026-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
I requested validation of the debt via XXXX dispute, which results as of XX/XX/year> show that Waypoint is reporting the account but upon contacting them via telephone today XX/XX/year> they state that they do not have this account. I spoke with representative XXXX XXXX, who advised that I contact XXXX. I then spoke with representative XXXX XXXX XXXX who also states that waypoint does not have this account. ( spoke with both XX/XX/year> )

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing this complaint because Wells Fargo continues to report information on this account that appears to be inaccurate and inconsistent. I disputed the account with XXXX XXXX and XXXX after noticing that important account information was being reported differently among the credit bureaus. The Date of First Delinquency is reported as XX/XX/year> by one bureau and XX/XX/year> by another. The Date of Last Payment is also reported differently depending on the credit bureau. In addition, the account continues to report a credit limit even though the account is closed. After submitting my disputes, I was notified that Wells Fargo had verified the account as accurate. However, the conflicting information remains on my credit reports. I have also requested documentation supporting the information being reported, including account records, payment history, account statements, records supporting the reported dates, and documents showing how the account was verified after my disputes. I have not received documentation that explains the discrepancies or supports the inconsistent information being reported. I do not understand how the account can be verified as accurate when different credit bureaus are reporting different information for the same account. I am concerned that my disputes were not properly investigated and that inaccurate information continues to be 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 non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To Whom It May Concern : I have been a Citi customer for the past 12 years, and in that time, I have never had an issue making payments on my AAdvantage, XXXX XXXX, or Citi accounts. In fact, I was paying 2x monthly on my AAdvantage account. I am writing to request a goodwill adjustment to remove recent late-payment marks reported on my AAdvantage and XXXX 's accounts, which resulted from a banking-transition error rather than any inability or unwillingness to pay. In the last month, I have called at least 3 times, requested escalation, and emailed in an attempt to resolve. I banked with XXXX XXXX XXXX XXXX for approximately 20 years. XXXX was recently acquired by XXXX XXXX, and I chose not to continue banking with XXXX XXXX. In transitioning my accounts, I believed I had updated all of my auto-payment information with each of my lenders. After receiving a phone call on XX/XX/XXXX, I updated my payment information online with Citi and set my auto-drafts to come from my XXXX account ending in XXXX. Unfortunately, I later learned that no payments were actually being deducted from my XXXX account. The twice-monthly payments I believed I was making were still being drawn against my closed XXXX account, so they did not go through. This was an oversight tied to the closure and transition of my long-standing bank, and I corrected it as soon as I understood what had happened. I have made my XXXX, XXXX, and XXXX payments, and my account is current. As a result of this error, however, my credit score has dropped from XXXX to the XXXX, which does not reflect my actual payment history or my 12 years as a reliable Citi customer. Notably, because I was making payments twice a month, the account reached closure far faster than it normally would have. A typical account takes roughly four months of missed payments to reach this status, but mine were closed in about two months the frequency of my attempted payments appears to have accelerated the closure process. Given my long and consistent history with Citi, I respectfully request : Reopen my accounts that were closed because of this error, Remove the late-payment marks reported to the credit bureaus, Call me and send me written confirmation of whatever you're able to do. I am grateful for my relationship with Citi and would deeply appreciate your consideration in correcting this so that a single banking-transition error does not continue to damage the credit I have worked years to build. Thank you for your time and 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
Consumer complaint received 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Back in XXXX XXXX XXXX XXXX MATERIALS for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Someone was doing some fraud to his account so it disrupted my XXXX. He paid us in full for the project with no problems from XXXX XXXX. But it triggered my XXXX account to stop working after this. XXXX XXXX mention he has reached out to XXXX XXXX XXXX separate occasions to try to resolve this, but evidently nothing has happened yet. I have formally sent Wells Fargo XXXX or XXXX emails with no reply. I also sent them copies transcripts of the XXXX XXXX payments XXXX XXXX sent.

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 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
My loan payoff date and remaining balance continues to increase after making payments. I have contacted Ally requesting for an account audit and no one has been able to assist me. XXXX XX/XX/XXXX, my Ally app showed that I had XXXX payments remained. This continues to change. I was initially told I had XXXX deferments but when I talked to a supervisor last month, she stated I had a total of XXXX deferments which is not correct. I also questioned why the remaining amount still was above {$4000.00} and it has decreased minimally since XX/XX/XXXX. On XX/XX/XXXX, it stated I had XXXX payments of XXXX remaining and now it is showing the same amount of payments due. There is a serious issue because the total remaining payments continue to increase each month after making payments. Since XX/XX/XXXX, I have made XXXX payments.

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 2026-06-15 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.

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX p.m. ( XXXX a.m. XXXX ) while walking through XXXX ( XXXX ), without me noticing, someone stole my wallet with my identity document XXXX XXXX license, my Citi debit card that ends in XXXX, and other credit cards. A while later, when I wanted to make a purchase I realized that I had been robbed. I went as quickly as I could to my house where I could call Citi bank by phone to file a complaint and explain the situation ( XXXX ). At that time someone had carried out a fraudulent operation without my authorization - for {$2300.00} ( equivalent to euros XXXX ) in XXXX XXXX XXXX XXXX XXXX, it should be noted that I was never in XXXX. In my account there is the unauthorized debit of {$2300.00}, after a few days the bank credited me that amount, compensating for the theft, but on XX/XX/XXXX, the bank debits that amount again, as if the expense had made by me. For many years I have been a customer of the bank and my usual consumption is amounts MUCH lower than that value. In fact, it has happened to me that they did not approve a minor purchase for security reasons, and it turns out that a very high consumption appears ( without having the PIN, since the thieves did not know it ) and the bank approves it without carrying out any security action such as contacting me to verify its authenticity. For this reason, I request that the situation be reviewed and the operation be canceled accordingly. Timely, I have sent the police complaint made in XXXX, and my new ID document, my XXXX XXXX license to Citi bank, to show that I had to renew them, but I did not have any answer. 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 monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
" Truist Bank is in flagrant violation of Federal Reserve XXXX XXXX. On Friday, XX/XX/year>, I deposited a {$1300.00} court settlement check in-person with a teller. Today is Monday, XX/XX/year> ( the next business day ), and XXXX has completely frozen 100 % of the funds, leaving my available balance at {$0.00}. XXXX employee XXXX XXXX flatly refused to release the legally mandated {$220.00} next-day baseline. He explicitly stated that under XXXX personal policy ' they do not have to release the {$220.00} and that they can ignore the timeline. This branch is actively claiming that internal bank policy overrides federal law. My account has been open for over XXXX days and does not meet any statutory exclusions for a total freeze. Truist is misrepresenting federal guidelines and causing immediate financial hardship. ''

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2026, I sold my vehicle to XXXX and received a {$44000.00} bank draft ( check ) as payment. I deposited the check into my Bank of America account on XX/XX/XXXX after hours which was later processed on XX/XX/2026. The following day, Bank of America placed a hold on the entire deposit until XX/XX/2026, stating only that it had information indicating the check may be returned. Since receiving the hold notice, I have contacted Bank of America multiple times and requested an explanation, verification of the draft, and a review of the hold. Despite providing documentation related to the vehicle sale and the source of the funds, I have been unable to obtain a clear explanation for the hold or any assistance in resolving the issue. My concern is not only the lengthy hold on a legitimate vehicle sale transaction, but also the lack of transparency regarding the reason for the hold and the banks refusal to provide a meaningful review process. I am seeking a thorough review of this matter, a clear explanation of the basis for the hold, and release of the funds if the draft has been verified as valid.

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 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
In XX/XX/XXXX I learned my XXXX from XXXX was sent to an unknown Wells Fargo account in XX/XX/XXXX. I spoke with Wells Fargo and they told me they could not assist me they refused to assist. I demand Wells Fargo look into this further as a formal fraud 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 explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I rented a car through XXXX from XX/XX/year> to XX/XX/year>. My weekly rental rate was {$370.00}. When I picked up the car, XXXX placed a pre-authorization hold on my Navy Federal debit card for {$370.00}. A pre-authorization hold is a temporary holdnot a charge. XXXX never settled that hold into an actual charge. The hold expired, and the funds were returned to my available balance. On XX/XX/year> at XXXX XXXX, I returned the car. At the XXXX counter, I paid for the two extra days after the billing cycle using my Navy Federal debit card. The correct amount was approximately {$170.00}. Despite this, on XX/XX/year>, Navy Federal posted a debit of {$540.00} to my account. This amount does not match my weekly rental rate ( {$370.00} ) or any correct calculation of my final days. I did not authorize this charge. My rental had ended. The pre-authorization hold had expired. Navy Federal closed my account and is now attempting to collect {$380.00} through a debt collector ( XXXX ). I request that the CFPB require Navy Federal to reverse the {$540.00} debit and recall the account from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation