vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays bank has failed to protect my personal information constantly ( over XXXX ). barclays Bank system allows online users to create fraudulent users and credit cards in my name without my authorization, even after multiple times of reporting these techniques used by the fraudsters. Barclays Bank 's systems facilitate fraudsters in continuing to harass and try to steal identity of its customers. This loop of fraud, even though the account has been flagged for fraud has not stopped due to Barclays bank not having the sufficient mechanics in protecting their customers identity. Barclays bank should be held liable for all damages as a result of their inadequate customer protection.

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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
on XX/XX/XXXX, at XXXX, while out XXXX XXXX i received a text and a notification from my Barclays jet blue credit card about a fraudulent charge, and it was asking to approve or decline the transaction, at the moment of the notification i had the credit card in my possession and it stated it was used at XXXX for a total of {$170.00} and i proceed to decline the purchase, i proceeded to freeze my credit card and called barclays XXXX. They proceeded to cancel the credit card, issue a new one and credited the {$170.00} back into my account while they conducted their investigation. A month later i received a letter from them stating that since i benefited from that transaction the credit was reversed and charged back to me, i called and re-open the investigation. This has been going on for the last XXXX months, they keep reversing the charge back to me stating that the chip of the credit card was used, therefore it was an authentic transaction and that I'm responsible for the it. I understand that the charge is minimal {$170.00} dollars but i should not be responsible for a purchase that i didn't do, I have requested all copies of the investigation and have been told by barclays to go to the police since they won't be investigating any longer.

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: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint because the response provided by Wells Fargo to my previous complaint was inaccurate and failed to address the actual issue. The company made statements that are simply untrue. Wells Fargo claimed that incorrect banking information was provided. This is false. At no point did I enter or provide incorrect banking information. On multiple occasions, I provided my account information directly from my banking application while speaking with Wells Fargo representatives. In some instances, representatives from XXXXXX/XX/XXXX were also on the line and were able to verify that the information being provided was accurate. Despite this, Wells Fargo continues to place blame on incorrect banking information rather than taking responsibility for resolving the issue. I am extremely disappointed that my previous complaint was closed based on Wells Fargo 's inaccurate response without a proper investigation into the facts. Instead of addressing the ongoing problem, Wells Fargo provided misleading information that appears designed to avoid accountability rather than resolve the matter. To date, the issue remains unresolved. I have spent significant time communicating with Wells Fargo representatives, providing the requested information repeatedly, and attempting to work in good faith toward a resolution. Despite these efforts, I have received inconsistent explanations and no meaningful solution. Given Wells Fargo 's well-documented history of customer complaints and regulatory violations, it is difficult to have confidence that the company is genuinely committed to resolving customer concerns. The handling of my complaint only reinforces those concerns. Because this matter remains unresolved, I will continue pursuing additional complaints with the appropriate regulatory agencies and exploring all available avenues to hold Wells Fargo accountable. I am requesting a thorough review of this matter and an investigation into the inaccurate statements made in response to my prior complaint. Based on my experience, I would strongly caution consumers before choosing Wells Fargo for banking services, mortgages, or auto loans. The customer service, complaint-handling process, and lack of accountability I have encountered have been extremely frustrating and unacceptable.

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: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing a formal complaint against Security Finance for explicit violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate credit reporting and predatory compliance demands. My required monthly payment with Security Finance is {$110.00}. I consistently pay significantly ahead of schedule, routinely sending overpayments of {$200.00} and {$300.00}. Because of these early payments, Security Finance placed my account into a " Paid Ahead Status. '' Consequently, Security Finance generated and issued official monthly statements explicitly stating : " Amount Due : {$0.00} '' and " No payment is due until the following month. '' Despite their own official billing statements confirming a {$0.00} balance due for the period in question, Security Finance 's automated system erroneously flagged a " 30-day late/missed payment '' and reported it to the major credit bureaus. This administrative data error caused my XXXX XXXX to catastrophically drop from an XXXX to a XXXX. When I contacted Security Finance management to provide my bank clearing receipts and demand a correction, a company representative explicitly stated they would refuse to remove this inaccurate late mark from my credit profile until the remaining {$2000.00} balance is completely paid off in full. Holding a consumer 's credit score hostage using known inaccurate data to force a loan payoff is a flagrant violation of FCRA accuracy mandates. I demand that Security Finance immediately issue an electronic Universal Data Link ( UDL ) correction tXXXX XXXX XXXX XXXX XXXX completely delete this inaccurate XXXX late flag and restore my historical credit profile.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is refusing to honor a {$400.00} XXXX XXXX Checking signup promotion. I opened the checking account digitally on ,XXXX, deposited {$5000.00} in qualifying liquidity, and maintained the balance as required by the terms. Phone support confirmed today that my account was successfully opened digitally, but their backend system mis-tagged the application with a savings tracking code instead of the checking promo. Because their screen requires a manual alphanumeric codewhich the public terms explicitly state does not exist for this digital campaignthe phone manager, XXXX, ID # XXXX, hit a brick wall and refused to issue a tracking research case. I have a time-stamped screenshot of the landing page rules proving that applying through that specific webpage is the sole requirement for enrollment. Bank of America is refusing to honor a {$400.00} XXXX XXXX Checking signup promotion. I opened the checking account digitally on XXXX, deposited {$5000.00} in qualifying liquidity, and maintained the balance as required by the terms. Phone support confirmed today that my account was successfully opened digitally, but their backend system mis-tagged the application with a savings tracking code instead of the checking promo. Because their screen requires a manual alphanumeric codewhich the public terms explicitly state does not exist for this digital campaignthe phone manager, XXXX, ID # XXXX, hit a brick wall and refused to issue a tracking research case. I have a time-stamped screenshot of the landing page rules proving that applying through that specific webpage is the sole requirement for enrollment. I am requesting that Bank of America manually override this tracking glitch and credit the {$400.00} to my business 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: GA

Complaint narrative:
I was in loss mitigation I was given incorrect instructions by servicer I relied on that guidance US Bank later declared the file incomplete Now facing foreclosure referral despite good faith compliance

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: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number XXXX 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 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> all my credit cards issued by CITI was closed while I was in XXXX XXXX, I came back on XX/XX/year> morning and police came around lunch time it sounds like someone report some kind of fraud, I explained to police and even have police report issued. After I wrote an official letter ask why and request all my thank you points to be returned. But all my requests were denied and still without explanation.

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: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I received a notification from Ally bank that my debit card had been delivered to my mailbox. Upon checking my mailbox and my leasing office mailbox I found that it had not been delivered. In fact my mailbox was empty. I contacted Ally Bank via chat support and spoke with XXXX. She informed me that the system was reflecting a completed delivery and that I would need to cancel the originally ordered card and re-order a new debit card. Upon only placing a hold on the card, I contacted Ally Bank the next day via telephone and my representative informed me that the original card was still only in transit. Meaning that the representative XXXX has mislead ( lied to ) me into canceling my original card and ordering a new one thus prolonging delivery of my debit card, and furthering my lack of payment on bills for this pay period. Also the chat logs where she stated that it reflected a complete delivery status are unattainable

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: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I tried for hours to get Navy federal to help me understand how or why scheduled transactions were happening and they just kept saying its me even after providing several screenshots of my account and what transactions I did ( more proof can be sent to didnt upload cause I didnt know what all would be publicized )

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/year>, Zions Debt Holdings responded to CFPB Complaint No. XXXX. However, Zions Debt Holdings ' response does not fully address the validation and verification requests submitted through my CFPB complaint and attached validation letter. My complaint requested specific documentation necessary to validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase agreement, a complete accounting of the balance, the Date of First Delinquency ( DOFD ), the charge-off date, and documentation supporting when and how the account was acquired by Zions Debt Holdings XXXX Rather than addressing the specific validation requests, Zions Debt Holdings simply stated that it purchased the account, that the account was not properly closed, provided a balance amount, and asserted that the account had already been validated. The response does not identify what documents were provided to validate the account, nor does it address the specific records requested in my complaint and attached validation letter. The company also failed to address the requested FCRA verification information, including documentation supporting the Date of First Delinquency ( DOFD ), the charge-off date, and the date the account was acquired or assigned to Zions Debt Holdings XXXX These records were specifically requested to verify the accuracy and completeness of the information being reported to the consumer reporting agencies. Additionally, the response includes a request for payment and references a pay-for-delete arrangement but does not provide the documentation necessary to establish ownership, enforceability, accuracy, and completeness of the alleged debt. Because Zions Debt Holdings has not fully addressed the validation and verification requests submitted through my CFPB complaint and attached validation letter, I continue to request complete validation and verification of this account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 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: LoanCare, LLC

Complaint narrative:
My mother entered into a loan modification agreement with XXXX LoanCare. In XX/XX/year> a XXXX agent verbally confirmed the modification terms as {$1000.00} per month for 6 months on a recorded call. Throughout the entire modification application process, multiple XXXX agents consistently instructed my mother NOT to make any mortgage payments and to wait until XX/XX/year> to begin payments under the new modification terms. This instruction was given on more than one call by more than one agent. After being verbally told her modification was approved, XXXX never sent my mother a written modification package to review or sign. Without receiving any written documentation confirming the terms, my mother had only the verbal confirmation from multiple XXXX agents to rely on. For months prior to XX/XX/XXXX we also reported to XXXX that we could not access our online account. XXXX was aware of this issue and told us we could not log in due to a back balance, yet continued sending email links to an account we could not access. This is part of a broader pattern of miscommunication by XXXX. On XX/XX/year> when my mother called to make the first modification payment exactly as instructed, a XXXX agent informed her for the first time that the amount was {$1900.00}, directly contradicting the {$1000.00} per month verbally agreed in XXXX. My mother had prepared {$1000.00} based on what she was told by multiple agents, causing the payment to bounce. XXXX then declared the modification agreement void despite the fact that my mother followed their own instructions exactly and consistently throughout the entire process. Furthermore XXXX continued to accept our XXXX payment after declaring the agreement cancelled. Accepting payment after an alleged breach raises serious questions about whether they have waived their right to cancel the modification. We are requesting : ( 1 ) that XXXX pull and review all call recordings from the modification application process confirming the {$1000.00} per month terms and the repeated instruction by multiple agents to withhold payments until XX/XX/XXXX, ( XXXX ) that the original modification be reinstated under the verbally confirmed terms of {$1000.00} per month for 6 months, and ( 3 ) that any foreclosure proceedings be halted while this dispute is under review. My mother followed every instruction given to her by multiple XXXX agents throughout this entire process and never received written documentation of the modification terms. The default was caused entirely by XXXX 's own agents giving contradictory and inaccurate information across multiple calls.

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: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
On XX/XX/year>, XXXX. XXXX XXXX XXXX of the XXXX XXXX XXXX officially signed and entered an order completely vacating the judgment against me in case XXXX. The court order explicitly states that all bank restraints and wage garnishments are vacated, and all monies taken must be returned to me immediately.The debt collection law firm, Rubin & Rothman , LLC, is actively maintaining an illegal asset restraint on my XXXX account and refusing to issue an immediate Release of Levy. When I and my son contacted their office on XX/XX/year>, to provide the officially stamped and filed court order, their staff refused to process the release, refused to let us speak to a supervisor, and told us they require an arbitrary " 48-hour review window '' to look at a finalized court order.Keeping my bank account frozen and stalling on a legally dead, vacated judgment is a malicious, abusive debt collection practice and a direct violation of New York CPLR 5222-a. This intentional delay is causing me severe, immediate financial hardship. I request that the CFPB compel Rubin & Rothman , LLC to immediately fax a formal Release of Levy to XXXXXXXX XXXX Legal Order Processing department today.

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 — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
i did not sign or authorize this account. it was in XXXX XXXX 's name. ut it back in her name as i did not apply for this 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I made an online purchase from XXXX from a bogus store called XX/XX/XXXX XXXX XXXX in XXXX, SC. The {$69.00} was charged to my credit card ( Surge ). I immediately called them and told them this was a fraudulent transaction and not to pay it, but they paid it anyway. When I realized this was a scam, I filed a dispute with Surge, who temporarily credited my account the {$69.00} in XXXX, but in XXXX, they reversed the charge and the {$69.00} was put back on my credit card. I never received the merchandise. I have made several attempts to contact the company at XXXX, but they are not responding.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Despite repeated disputes sent to allXX/XX/XXXXcredit bureaus and the data furnisher, the inaccurate information continues to be reported without proper investigation. I have complied with all requests for identification and documentation. Please see attached evidence supporting my claim. failure to conduct a reasonable investigation failure to conduct a reasonable investigation after providing all info requested

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