vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Citi Billing Disputes Team : Thank you for your letter of XX/XX/year>. The merchandise in question was describe thus by the merchant : NEW Sealed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX price {$260.00} Item number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was made on XX/XX/year>. The battery stopped holding a charge and died, less than XXXX months later. I contacted the seller and requested an exhange, but received no response. Then I downloaded the utility XXXX and discovered that the device is not new. The motherboard and rear camera had been replaced and the storage expanded. The storage expansion was done with XXXX XXXX, making it counterfeit. The screen XXXX is " empty '' indicating that device was tampered with. The battery lifespan is 73 %, battery health is " XXXX ''. Below are the results of the utilitiy 's analysis XXXX XXXXXXXX XXXX I contacted the seller with this information and requested a refund due to their false claims about the device. No response has been received to date. I am currently in possession of the merchandise. Thank you kindly for your attention to this matter. Sincerely, 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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a membership that I purchased after attending a sales presentation by Ascendant Holidays ( XXXX ) on XX/XX/year>. My family and I attended the presentation because we were offered free park tickets in exchange for attending. We were told that the presentation would last only XXXX minutes. However, after arriving, we were subjected to a lengthy and aggressive sales presentation that lasted approximately six hours. Throughout the presentation, I repeatedly declined the offers being presented. Despite my repeated refusals, several sales agents continued to pressure me to purchase a membership. During these discussions, I was repeatedly assured that if I joined the membership program, I would be able to cancel at any time if I changed my mind. After hours of pressure, one of the agents asked if he could check whether I qualified for the membership program. I agreed. When he returned, he informed me that I qualified. Based on the repeated assurances that I could cancel at any time, I agreed to sign up for the membership. A few weeks later, I received a Barclays credit card in the mail that had apparently been opened in connection with this transaction. When I contacted Barclays to cancel, I was informed that canceling the account would not eliminate my obligation to pay the balance associated with the membership purchase. I then contacted XXXX XXXX ( XXXX ) to cancel the membership. Despite the promises made by their sales representatives that I could cancel at any time, the company refused to allow me to cancel. I explained that I only agreed to purchase the membership because I was repeatedly told that cancellation would be available whenever I chose. Nevertheless, the company refused to honor those representations. I believe I was misled regarding the terms of the membership and subjected to unfair and deceptive sales practices. The promises made during the sales presentation appear to be inconsistent with the company 's actual cancellation policies. Had I been accurately informed that I would not be able to cancel without remaining financially responsible for the membership, I would not have agreed to the purchase. I respectfully request that the CFPB investigate this matter and assist me in obtaining cancellation of the membership and any associated financing obligations that resulted from these misrepresentations. Thank you for your time and consideration.

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank , N.A . failed to timely pay a final XXXX XXXX award and did not include or address applicable interest for the late payment. I prevailed in XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XXXX Citibank , N.A . The final arbitration award was issued on XX/XX/year>. The award ordered Citibank to pay me {$500.00} and stated that the sums were to be paid on or before XXXX days from the date of the award. Citibank did not pay the {$500.00} award amount by the required deadline. The payment was not issued until XX/XX/year>, and it posted to my account on XX/XX/year>. Citibank paid only the {$500.00} principal amount and did not include or address any applicable interest for the late payment. I am not complaining here about credit reporting or my credit score. This complaint is limited to Citibanks late payment of the arbitration award and its failure to include or address applicable interest.

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 2026-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX XXXX incorrectly billed me for service that never worked, repeatedly misspelled my name, and then sent an invalid balance to collections. I transferred XXXX lines to XXXX in XX/XX/XXXX. From the first day, the service did not function : calls dropped, phones froze, and XXXX representatives confirmed the signal was choppy. I made more than XXXX calls trying to resolve the issue. XXXX told me I had until early XXXX to return the devices with no charges. I returned all devices in XXXX and transferred my lines back to my previous XXXX the same day. XXXX later mailed confirmation that all lines were disconnected. Despite this, XXXX began billing me for a balance that should not exist. For months, XXXX representatives told me they could not locate my account, could not locate my phone number, and that the account showed a credit, not a balance. They also repeatedly used the wrong spelling of my name, even after I corrected it many times. In XX/XX/XXXX, XXXX stated they could not touch the case and referred it to a debt collector, who claimed the balance had increased. I disputed the debt immediately. XXXX records all calls and can verify every attempt I made to resolve this. This debt is invalid, the reporting is inaccurate, and the collections referral is improper.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I received a called from what I thought was Wells Fargo sane number. The calling introduced himself as a Wells Fargo employee and notified me that my acct was hacked money was gone from savings. The make then proceeded to send a text as I get when I call Wells Fargo with codes and stated he was gon na get my money uploaded in temp card. I got disconnected through this process and notified Wells Fargo and was told they didnt call and I would need to f/u with fraudulent dept on Monday. I proceeded with this and explained to employee what happened and acts were changed and. Ew cards were sent out. When I called back to check status a couple days later I was told none of that information was submitted a new claim number was given and the language barrier was awful. I finally went into a branch with an appointment and over and hour the employee and myself in her office was pushed through hoops and I was going to receive a letter. I received a letter on XXXX of XXXX with the amount and it was completed but money wasnt in my account every time I call none of the employees are helpful and I dont think theyre are trying to help me. I have been with this bank since 2007 and recently got a car loan with them. I have my direct deposit set up with them and a savings or I had one. Please assist me with getting my money back

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 2026-06-23 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have an ACH garnishment and the bank responded and said there were no funds in the account I got a writ that stated that there will be a wage garnishment. Today I have still the hold on my account preventing me from funds that is in the account and a wage garnishment of XXXX percent. Both for the same case. I was told by the creditors attorney that this should not be happening but its not legal and I asked the bank XXXX XXXX XXXX XXXX XXXX to remove them hold because there is no proper levy order if there is a wage garnishment once the wages were garnished the ach hold should have been released

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the collection account being reported by Credit Control , LLC on my credit report. I have no knowledge of this account and do not believe it belongs to me. Opened on XXXX XXXX in the amount of {$310.00}. I dispute this account in its entirety and requested a reasonable investigation into the accuracy of the information being reported. If Credit Control , LLC claims that I am responsible for this debt, I requested documentation demonstrating that the account is mine, including but not limited to : * A copy of the original signed contract or agreement bearing my signature; * Any application associated with the account; * Documentation establishing that I incurred the alleged debt; * Documentation showing that Credit Control , LLC has the legal authority to collect and report this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
i had apply for a loan modification with XXXX XXXX XXXX XXXX and they were in comunication with phh XXXX they confirmed my payments received than the XXXX XXXX XXXX asked me to send payment to them as they will hold it in escrow for when there was a solution at the and of the day i received a letter from a new owner the house was foreclosed i was not notified i had no idea there ' a fraud between Phh mortage service, XXXX XXXX XXXX, fl XXXX and XXXX XXXX XXXX i need the foreclosue to be reverse tis must get investigated.

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 2026-06-23 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: PA

Complaint narrative:
On XX/XX/year>, when accepting a payment on XXXX XXXX, the individual that was depositing the money gained access to our account and was able to make withdrawals from our bank account. The amounts were as follows : XX/XX/year> - {$5000.00} XX/XX/year> - {$4900.00} XX/XX/year> - {$20.00} XX/XX/year> - {$4900.00} All these transactions were reported immediately after they were done and the bank did nothing to stop them. A complaint was opened and it subsequently denied on XX/XX/year>. They refuse to look into this further, they were informed that the FDIC, State Police and Local FBI officer were all informed about this and are currently investigating.

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 2026-06-23 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX- Received my 1st email from Wells Fargo saying I was overdue on a payment. XX/XX/XXXX - Called Wells Fargo to dispute opening of the XXXX card without my consent or knowledge. XXXX is at fault for allowing this to occur in the first place without my consent. Disputed the fraudulent transaction on the card that I never authorized. Asked that the account be closed as my credit score was now greatly affected all while I'm actively buying a house. XX/XX/XXXX - I filed a complaint with XXXX on this dispute XX/XX/XXXX- They told me I'm STILL liable for late fees and the dispute was never filed from 2 months ago. All they did was close my account. I'm BAFFLED by this. I've been hung up on 3 times trying to get this resolved and been on the phone for over 2 hours to resolve. I have NEVER been late on a card payment ever. I NEVER authorized the opening of this card. I disputed the transaction and they are now claiming I never called and did so which is false. Wells Fargo and XXXX have severely affected my life and financial state and I ; m seeking immediate action to rectify my credit score and this situation immediately.

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 2026-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I am filing a complaint regarding a collection account that is being inaccurately reported under the Fair Credit Reporting Act ( FCRA ). This account was originally sent to collections by a hospital. However, after it was reported, the hospital reprocessed the claim through my insurance. The insurance company then paid additional amounts toward the balance. The hospital subsequently billed me directly for the corrected remaining balance of {$13.00}, which I paid in full. I have documentation showing : - The insurance adjustment - The corrected balance - Proof of payment directly to the hospital Because of this : - The original balance reported by the collection agency is no longer accurate - The account history being reported is incomplete and misleading - The collection agency no longer has a valid basis or authority to report this debt Despite multiple disputes and providing documentation, the collection agency continues to report outdated and inaccurate information. Under the FCRA, all information reported must be accurate, complete, and verifiable. If the collection agency can not verify the current balance and its authority to report after these adjustments, the account must be deleted. I am requesting : - Immediate deletion of this collection account from all credit bureaus - A full investigation into the inaccurate reporting practices I have attached all supporting documentation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
the XXXX XXXX XXXX wrote to me saying i owed them this money and they was collection for XXXXXXXX XXXX XXXX for XXXX. They did not tell me I could dispute it, or how much time I had, they just required me to pay them. that was the first letter. I do not owe them thank to the data breach they had. I had my account credit card information stolen. I wrote the company on XX/XX/year> asking them to prove I owed them. then on XX/XX/year> they sent out another letter that they are going to report this to the national credit bureaus onXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 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: CA

Complaint narrative:
My personally identifiable information was compromised and used without authorization due to a recent data breach. Because of this, my credit report contains unusual credit inquiries, inaccurate late payment records, and unauthorized accounts that I did not open, approve, or recognize. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am formally requesting a comprehensive reinvestigation of these accounts and inquiries. I ask that my credit file be permanently cleared of any information found to be fraudulent, false, or unverifiable. To assist with your investigation, an Identity Theft Report and some supporting papers are provided.

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 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I knew I was delinquent on my Barclays ( XXXX XXXXXXXX ) cc. I got the money finally to pay it completely off today, and I called as I got locked out of the app and all online services to see my own debt, information etc. Therefore was not able to make the payment online. I called and they cant let me back in because im delinquent, fine. I wanted to pay my XXXX some odd dollar balance off over the phone, so I can have a verification number immediately. They said no that I have to MAIL IN payment, I want immediate confirmation and am not comfortable sending money in any form out in the mail. I told them that and they said that is the only way for me to pay until it goes to 3rd party. im wanting to and offering to pay my balance off in full but they are making it hard and only going to make my credit worse. Money in the mail gives me major and I cant bring myself to do it. Money is very tight, not not knowing right away that they got my money, i cant do 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 2026-06-23 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: CA

Complaint narrative:
Hi, I was transacting with online listing for an apartment using the website XXXX The owner ( fraud ) responded with the requirements. I sent the deposit for the apartment via wire transfer. Now, the seller has not responded and not answering call or emails. I informed wells fargo right away of the possible fraud and they havent responded back. Please help me get back my money

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My financial institution allowed a massive, unauthorized {$45000.00} ACH clawback by XXXX that has plunged my personal account into a negative {$20000.00} deficit. The branch manager has refused to provide the legally mandated 15-digit ACH Trace Number or Return Code for this transaction, is refusing to halt pending transactions, and is actively threatening to penalize me with predatory overdraft fees for an error caused entirely by a third party. I am disputing this withdrawal as an unauthorized electronic funds transfer under Regulation E.

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