vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 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: GA

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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been disputing a collection account with XXXX XXXX XXXX that continues to appear on my XXXX and XXXX credit reports. The account is # XXXX ( original creditor : Citibank N.A., balance {$9300.00} ). On XX/XX/year> I sent them a written debt validation request under the FDCPA. They responded with only a sale notice and XXXX partial statements. They did not provide the original signed agreement, complete payment history from the original creditor, or proof of the chain of title/assignment. On XX/XX/year> I sent a follow-up demand letter giving them XXXX days to delete the account or provide the missing documentation. As of today they have still not properly validated the debt and continue to report it. This account is unverifiable and should be deleted from my credit 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 non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding severe financial harm caused by predatory and deceptive fee inflating during a XXXX and XXXX home loan modification cycles. I applied for and successfully obtained a mortgage loan modification in XXXX and XXXX. However, instead of lowering my financial burden as intended by federal loss mitigation standards, Wells Fargo embedded exorbitant, inflated fees directly into my paperwork. These fees were rolled over and marked as " Capitalized '' amounts, effectively converting hidden processing, legal, or administrative fees into long-term corporate debt. Because these inflated fees were capitalized into the core principal balance of my loan, I have been forced to pay compounding monthly interest on these improper fees for the last 16 years. This exact practice mirrors the automated underwriting and mortgage servicing abuses that led to the XXXX XXXX XXXX CFPB consent order against Wells Fargo, as well as the federal court 's final approval of the {$110.00} XXXX mortgage oversight settlement in XX/XX/XXXX. [ 1, 2 ] I still possess my original XXXX and XXXX loan modification documents clearly highlighting the " Capitalized '' fee structure. I demand that Wells Fargo perform a comprehensive, life-of-loan financial audit on my account, provide an itemized breakdown of every fee capitalized into my XXXX principal balance, and issue full restitution, with compounding interest, for all overcharges. Additionlly, Wells Fargo failed to submit the XXXX loan modification documents to my XXXX XXXX office until XX/XX/XXXX. I was made aware of this oversight via certified mail dated XX/XX/XXXX during a time of ongoing litigation and attempts to correct 13 year oversight.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
When I applied for the credit card they said I would earn XXXX XXXX XXXX from Citibank when I signed up. Later I called and was told it was actually {$50000.00} and all I had to do was spend {$2500.00}. I charged {$2500.00} and paid it off. When I called a third time they said there was no promotional offer on my account for the past 48 months and I would not earn any miles. I opened the credit card under false pretenses and Citibank representatives lied to me on the phone twice. The third person referenced " the fine print. ''

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 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I owed a {$9200.00} to Barclays XXXX XXXX credit card and was t making regular payments. ( I moved from Virginia to Texas in XX/XX/XXXX, updated addresses like normal. ) I received a call from Barclays regarding my past due balance on XX/XX/XXXX and was told to write a check to card services, which I did, for the exact amount of {$9200.00}. XXXX days later on XX/XX/XXXX the check was cashed by Barclays with my cc acct number. I have my banker pull check. I believe its handled then I started getting calls and letters from a debt collector, XXXX XXXX, regarding this same debt. I proceed to give them the same info I gave you as well as copies of the cashed check front and back. I get denied saying I still owe debt. I let it try to work itself out, obviously it doesnt. I even send info to all credit agencies and they to deny my debt has been paid. So I ask a local lawyer he finds a lawsuit against me and XXXX XXXX for the same debt. He finds its been dismissed but no other details. I call XXXX give them the signed court dismissal and they still denied me. But this time with a letter stating Barclays sold my debt ( same account, same amount ) to them on XX/XX/XXXX. But again my solid evidence shows Barclays cashed my check after it was already sold. Ive contact a lawyer regarding this as well. For a solid year and half my credit has been not good. I constantly get calls from them. Im not sure what else to do. As Ive also called Barclays and have tried to get a copy of the closed account but no one has ever actually sent me anything. Hope this was clear and somewhat efficient

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I wanted to cash a check drawn on M & T Bank. I also have an account at XXXX XXXX XXXX The bank told me the funds would not be available until the following day, but the funds would be available immediately if I paid the bank {$10.00}. I paid the {$10.00} because I was in an emergency situation. Since when are banks allowed to charge for cashing 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 2026-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
On XX/XX/XXXX, I submitted XXXX required form requesting my mortgage payment be split into XXXX equal automatic drafts on the XXXX and XXXX of each month ( twicemonthly ). My account was current at the time. The form states processing takes XXXX days, but Onity never acknowledged or processed it. I called on XX/XX/XXXX and was told the form was received and to allow another 10 days. I emailed again with no response. Because Onity had not set up the ACH, I paid {$400.00} on XX/XX/XXXX toward the XXXX payment. On XX/XX/XXXX, I called again and was told : the form was received on XX/XX/XXXX and was on file the remaining XXXX payment would be drafted between XX/XX/XXXX no late fee would be charged No draft occurred, and a late fee was added. During this call, the representative repeatedly insisted that I had requested biweekly payments, even though my written form clearly selected twicemonthly payments with specific dates. She only acknowledged the correct option after I read the form to her. This indicates inaccurate account records and improper handling of my written request. When I called again, I was told they can not set up the ACH because my account is now not current, even though the delinquency was caused entirely by their failure to process my request and their failure to run the promised draft. I have now made the full payment ( in addition to the partial payment made XX/XX/XXXX ) as their automated system would not allow me to make the other partial payment which has now placed me in a financial bind. XXXX actions have caused : improper late fees inaccurate delinquency status failure to process a valid ACH request misclassification of my payment type contradictory information from multiple representatives financial and administrative harm

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am requesting that Navy Federal reconsider its decision regarding my dispute for Order # XXXX in the amount of {$100.00} from XXXX XXXX ( the merchant ). The package was allegedly marked as delivered on XX/XX/XXXX. As soon as I received the delivery notification, I immediately contacted the shipping carrier ( XXXX ) to report that I did not receive the package. I communicated with the carrier over the next XXXX days with no resolution and also attempted to resolve the issue with the merchant again. On XX/XX/XXXX, I received written communication from the shipping carrier stating that my package was lost. Despite this, the issue remained unresolved with both the carrier and the merchant. On XX/XX/XXXX, I opened a dispute with XXXX XXXX and submitted all supporting documentation, including my communications with the shipping carrier and the merchant. The carriers investigation concluded with a Lost Parcel Confirmation, including the following findings : Delivery Issue Identified : Parcel Lost The shipment was officially investigated and documented as lost within their system A confirmation number was issued regarding the lost parcel Additionally, the delivery photo provided does not verify receipt of the package by me or confirm delivery to my specific unit or mailbox. The image does not establish that the package was placed in my controlled delivery location. However, I recently received an update from Navy Federal stating that the dispute was denied because the merchant provided tracking information showing delivery. This conclusion does not account for the carriers subsequent investigation confirming that the parcel was lost and not delivered. I respectfully request that Navy Federal review this new evidence in full and reconsider the determination. If the dispute can not be reopened, I request a detailed explanation of the specific basis for the denial despite the carrier-issued Lost Parcel Confirmation and supporting evidence of non-receipt. Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 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: IL

Complaint narrative:
On XX/XX/XXXX, my flight was cancelleXXXX XXXX XXXX XXXX XXXX XXXX which prevented me from picking up a rental car I had reserved ( {$390.00} made on XX/XX/XXXX through XXXX ). Because I never used the rental, I should not be responsible for any associated charges. Despite explaining this multiple times and providing documentation, Citi has continued to hold me liable for the charge.Following this dispute, Citi closed my credit card account without my authorization. I did not request or approve this closure. As a result, I have been unable to use my other Citi credit cards, which has caused significant financial disruption and creditrelated issues.I have spent countless hours on the phone with Citi representatives attempting to resolve this. Each time, I am told the issue will be escalated or reviewed, but no resolution ever occurs. I am still being held responsible for a charge for a service I never received, and my account remains closed without my consent. Key dates and facts XXXX : XXXX cancelled ; rental car never picked up or used. After dispute : Citi closed my account without authorization. Ongoing : XXXX Citi cards restricted due to the unresolved dispute. Multiple calls : Numerous hours spent with customer service with no resolution.Impact : Financial disruption, inability to use valid Citi accounts, and potential credit harm. What I want Citi to do Remove the disputed rental car charge, as the service was never used. Reopen my Citi account or provide a written explanation for the unauthorized closure. Restore full access to my other Citi credit cards. Confirm in writing that my credit will not be negatively affected. Provide a final resolution in writing.

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 2026-06-18 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 am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2026-06-18 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: Experian Information Solutions Inc.
State: FL

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, GA XXXX c/o Account Services Dispute Resolution Unit Attn : To Whom It XXXX Concern : I am writing this letter to inform you of a concern on my XXXX XXXX bank account. I had made a payment of {$150.00} ( which would satisfy my past due amount of {$120.00} to keep me current not past 30 days due by XX/XX/XXXX ) on XX/XX/year> by contacting by Bank ( XXXX ) to use their Bill Payment system to complete the payment. I was able to reach an agent, who confirmed to me that the payment was processed and provided me with a reference number as a record. Unknown to me, the agent did not complete the request, and as a result the bank did not process my payment to your company. I found this out when I received a credit alert on XX/XX/year>, and immediately made payment arrangement for {$150.00} which was provided by XXXX as part of their Payment Re-Age offer scheduled for XX/XX/year>, and then contacted my bank to discuss the issue and find out what happened. In that conversation, that is when it was discovered that the phone agent never completed my request. XXXX acknowledged their error and provided me with a letter to confirm their mistake. I am providing that here along with this letter, and asking that as a long-term client, you take this into account and consider this to remove the negative reporting that this has caused on my credit reporting, as that is now having an impact on a current home refinance. I respectfully ask that you consider the enclosed details to remove any negative reporting due to the error from my bank.

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 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX of Wells Fargo account holders disputed as payment made to my company which was a fraudulent dispute. I provided all the evidence that very clearly outlines that the person made the payment to my company as per a service contract, the service contract was fulfilled and as soon as it was, the person disputed the payment because they are broke and need the moneyh. Wells Fargo gave the money back to the account holder while they " investigated ''. Their account holder stated that this was an online purchase which was cancelled before payment received. That was a lie - fraud. I provided our contract and proof that I fulfilled all contractual obligations. Also the fact that nothing was ever cancelled. the customer received all services as promised and I even worked with her on submitting payment for her invoice in XXXX months rather than all at once as the person claimed they are low on funds but needed my services. I contacted XXXX numbers at Wells Fargo asking where to send an appeal of their decision which was made incorrectly as obviously no one looked at the evidence submitted. I was told there is no appeal process.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I haven't received my statement for XXXX credit cards it's happened in the past a few times

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 2026-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor Advocates Inc
State: IA

Complaint narrative:
I received a letter from Creditor Advocates Reference Number : XXXX regarding an account from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX with account number ( XXXX ) XXXX for {$120.00}. I have paid the account off. I paid XXXX XXXX XXXX and XXXX. I dont owe no debt to XXXX XXXX XXXX and XXXX. The account has been paid.

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 2026-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
So basically, Navy Federal did have an overdraft thing and I used it at first. I paid it back and then ISo basically, Navy Federal did have an overdraft thing and I used it at first. I paid it back and then I canceled it and now it went over I think like the {$2500.00} an it keeps rising up making my credit go down

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