vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I am submitting this complaint regarding predatory debt collection, credit reporting threats, and improper asset-related penalties stemming from an unverified debt. On XXXX XXXX XXXX, during the federally mandated CARES Act eviction moratorium, I was abruptly and forcefully removed from my shared primary residence via an emergency, ex parte Temporary Restraining Order ( TRO ). This judicial action effectively functioned as an immediate, no-notice eviction that bypassed standard landlord-tenant protections and left me completely unhoused.Following my forced displacement from the home, my legally parked vehicle was towed and impounded, and my personal property and emotional support/pet animals were permanently seized and disposed of without my consent or a proper opportunity to retrieve them. Furthermore, private medical records were weaponized through local courts to restrict my access to legal remedies and timely court proceedings.The company named in this complaint is currently taking and threatening negative legal actions, pursuing debt collection, and manipulating consumer credit metrics based on an invalid balance derived entirely from this XXXX displacement event. They are attempting to hold me financially liable for property loss, storage fees, or court costs associated with an involuntary removal that violated the spirit of the pandemic eviction protections. The company has failed to provide a valid, transparent debt validation itemizing these charges. I demand that this company immediately cease all aggressive collection tactics, fully validate or dissolve the alleged debt, and halt any negative reporting to consumer credit bureaus.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : Credit Collection Services Reported Balance : {$130.00} Opened XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am submitting this written request to dispute and request validation of the alleged debts currently being reported or collected under my name. At this time, I do not have account numbers available. Please identify any accounts using my name and address and the reference information below. Reference Information as shown on credit reporting : RADIUS GLOBAL SOLUTIONS, LLC Reported Balance : {$690.00} Opened XX/XX/scrub>XXXX 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 non-monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I'm a member of USAA XXXX XXXX in the past I found many problems with the credit union and I dressed it with the credit union so the problems are when dealing with the ATMs that making a withdrawal from ATM to close by me but if you have to make a cash deposit the closest one for cash deposit is over 10 miles away and I brought this to her their attention the other problem is we need local branches to handle local problems to close the branch to me is in XXXX Florida which is over six hours away and a few months ago I traveled to XXXX North Carolina to XXXX XXXX XXXX XXXX where a lot of the XXXX trainees were having problems and they keep asking the phone why don't you will branch on the XXXX base is clear and simple that the CEO of the other USAA XXXX XXXX is not listening to its members that all he's worried about is what money can you put in his pocket I feel that if a woman was in charge of the USAA XXXX XXXX should have more compassion and she would help more members and every time I called USAA with the problem I tell them the CEO needs to be fired or terminated because he is not worried about his member 's

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 2026-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We have been trying to start the process on a short sale. We were originally told that we could proceed with a short sale but have been given no instructions on how. We gave authorization for our realtor to communicate with the mortgage company but she has never been able to get a hold of anyone to confirm next steps. Every time I call I speak to XXXX who says we have to bring them an offer but my realtor says we can't just do that without notifying the buyer of it being a short sale. We have been trying to work on this for a few months now and just keep getting told the same thing about we just need an offer. We do not even know how low to put it price wise. It feels like they are just waiting for us to go into foreclosure at this point, which is very frustrating.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My only credit card since XXXX has been the XXXX XXXX XXXX XXXX. During that time I paid every bill on time. Recently XXXX sold the rights to my card to Citibank. This transfer has caused my Advantage XXXX XXXX to no longer be accepted. We have made numerous long calls to Citibank call centers, without any resolution. Citibank has handled this entire credit card transaction with extreme incompetence. Citibank has failed to issue new credit cards and has failed to support customers at every level.

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 2026-06-22 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: WI

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. NAME / ACCOUNT NUMBER 2. NAME / ACCOUNT NUMBER 3. NAME / ACCOUNT NUMBER 4. NAME / ACCOUNT NUMBER As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The amount was XXXX $ they put my checking account in collections already because of the negative balance money got transferred into the savings account I have my daughter had a life threatening emergency where I needed to use the money to pay for treatment instead the representative told me ( well use the money from your daughter account ) which was rude and dont know peoples situation. She then goes to say well you have not made an attempt to settle anything so we cant transfer the money back. They do not know what customers try to resolve because I tried to settle this with them but they continuously let anything happen then block my account. Why is my money being held in a savings account when they already sent it to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried making a transfer and I was told to cancel then by the bank and to wait for my debit card to start using my own money I deposited but then they flagged my account for review and my money has been stuck and I have bills

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: VA

Complaint narrative:
U.S. Bank failed to close my business credit card account and continues to charge fees after confirmed cancellation Complaint : I am filing this complaint regarding my U.S. Bank XXXX XXXX XXXX XXXX and the related central billing account ending in XXXX. In early XX/XX/year>, I called U.S. Bank and requested that my card be closed. The agent confirmed that the card would be closed and that the {$190.00} annual membership fee would be returned. After that, I checked my online banking and found that the related central billing account ending in XXXX was not closed. The account still showed the {$190.00} annual fee, late fees, and interest charges, even though I had requested account closure and had no new transactions after the cancellation request. I contacted U.S. Bank multiple times, approximately 45 calls total. On one call, the agent told me this was part of normal processing and that the charges would be reversed within 12 billing cycles. That did not happen. I called again, and another agent confirmed that there had been zero transactions after my cancellation request and submitted a request to reverse the improper charges, saying it could take up to 5 business days. Although two late fees of {$41.00} each appear to have been reversed, the account still shows a remaining balance of {$200.00}, which appears to consist of the {$190.00} annual membership fee plus two interest charges of {$3.00} and {$6.00}. These charges should not remain because the card was supposed to be closed in XX/XX/year> and the annual fee was supposed to be refunded. I am very disappointed and concerned that U.S. Bank has not fully resolved this despite multiple calls and repeated confirmations from its representatives. The account also displays a message indicating that I missed a payment, which is especially concerning because the balance exists only because U.S. Bank failed to properly close the account and reverse the charges. Requested Resolution : I am requesting that U.S. Bank immediately : Close the related central billing account ending in XXXX, if it is not already fully closed. Reverse the remaining {$200.00} balance, including the {$190.00} annual membership fee and all related interest charges. Confirm in writing that the account balance is {$0.00}. Confirm that no late payment, delinquency, or negative payment history has been or will be reported to any credit bureau or business credit reporting agency. Stop any further fees, interest, collection activity, or payment-due notices related to this closed account. I have already attempted to resolve this directly with U.S. Bank several times by phone, but the issue remains unresolved.

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 2026-06-22 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( issued by XXXX XXXX XXXX XXXX ) for deceptive accounting practices and the unlawful withholding of a merchant credit balance refund. Following the formal cancellation of a home security hardware contract with the merchant XXXX, XXXX issued a full merchant account reversal to XXXX to close out the loan balance. On XX/XX/year>, XXXX XXXX XXXX sent me an official confirmation email explicitly stating : " Our records indicate that your account holds a credit balance of {$2600.00}. We have forwarded your refund request to the concerned department. '' XXXX instructed me to submit a formal written request via email to cut a physical check for this balance, which I promptly did. On XX/XX/year>, XXXX processed a series of six automatic payment reversals totaling {$280.00} back to my personal debit cards. However, on XX/XX/year>, XXXX sent an email stating my account balance was now {$0.00} and that my account " does not qualify for any other refunds, '' effectively wiping out the remaining core credit balance of {$2600.00}. When I called XXXX customer service and escalated the call to a supervisor on XX/XX/year>, the supervisor claimed the XX/XX/XXXX written confirmation of my {$2600.00} balance was merely a " system issue '' and refused to process the disbursement or provide a ledger audit ticket, telling me instead to contact corporate. XXXX can not arbitrarily pocket a merchant credit reversal or erase a XXXX balance under the guise of a " system issue '' after confirming it in writing. I have attached the XX/XX/XXXX email from XXXX explicitly confirming the {$2600.00} credit balance, along with their subsequent XX/XX/XXXX notice attempting to deny the funds. I demand that XXXX immediately conduct a back-office financial ledger audit of the XXXX merchant data packets for this account, restore the verified credit balance of {$2600.00}, and issue a physical check to me for the full outstanding amount of {$2600.00} immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Issue : Wire transfer system error repeatedly overriding the requested wire amount with full account balance, causing repeated rejections Summary : On XX/XX/year>, I submitted a domestic wire transfer request for {$530000.00} ( reference : XXXX ) to XXXX XXXX for a time-sensitive Treasury bond purchase. The amount was specifically calculated and validated to account for the {$20.00} wire fee against my account balance. I was told it would process by XX/XX/XXXX. By XX/XX/XXXX, it had not executed. After lengthy escalations ( including representatives XXXX and supervisor XXXX ), I was told the wire was rejected for insufficient funds despite my form correctly reflecting the fee deduction. I resubmitted ( reference : XXXX ) using the exact same validated amount. It was rejected again for the same reason. The core issue : Every time I filled out the wire form with the correct amount, Allys internal system displayed and processed my FULL account balance instead not the amount I actually entered on the form. When I questioned this with representatives, they could only see what was in their system ( the full balance ), not the original amount I had submitted on the form. There was no way for me, or for Allys own representatives, to verify or correct this discrepancy because the form data and the system data were disconnected. This is a serious process/system error, not a customer input error. Additional context : During one of these calls, I explained to a representative ( XXXX ) that this exact type of delay could jeopardize a home purchase for someone relying on a timely wire transfer for closing. Her response was to say congratulations demonstrating a complete lack of understanding of the severity and urgency customers face when wire transfers fail unexpectedly. After being told by a supervisor that there was nothing he could do and a callback could take 1-2 business days, I was forced to abandon the wire entirely and move funds via ACH at a $ XXXXday limit a 6-day process that exposed a time-sensitive Treasury purchase to market/interest rate risk.

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 2026-06-22 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Loan transferred XX/XX/XXXX. Complete package submitted XX/XX/XXXX. Received email receipt confirmation. Servicer failed to send 5-day acknowledgment letter and verbally threatened active foreclosure, violating RESPA dual-tracking laws. Email stated I have a SPOC, but there was no name or phone number listed. It has been 12 days and I haven't received any information. When I logged in to my account today, previous forms that were emailed are gone. I am not allowed to make payments if I don't pay the entire defaulted amount, my previous mortgage company has held payments and did not apply them.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
So I used to buy and sell on XXXX XXXX and theres times where I have been scammed before Im not going to lie Im very gullible, around XXXX I sold these XXXX XXXX on XXXX XXXX and someone zelled me {$50.00}, Apperently it got disputed and my whole bank closed on me now, with my money still inside. Right now I have no money for food, gas, mortgage, phone bill, Im literally drowning right now and Bank of America doesnt care a singular bit and Ive been blown off by several representatives whove literally hung up on me like they didnt just give me a life crisis, Ive waited one week but I can not continue to wait like this while my life crumbles before my eyes

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 2026-06-22 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: MA

Complaint narrative:
I have a Credit card with Citi Bank, I open this account in XXXX. I had a credit line of XXXX to start. I have made all payment on time every month, since i open the account about 80 months of payment and interest and on time, I have actually paid off the card 2 or 3 times within that time frame.. Recently within the last 6 month, that card was complete played off, and every charge that was put on was paid off, with little to no balance at all, and payments was made before the due date. Well this past week, I had a balance of XXXX out of XXXX credit line... I paid XXXX on XX/XX/year> ( payment is not due until XX/XX/year> ) and the following day XX/XX/year>, they reduce my credit line from XXXX to XXXX, because of my credit score.... not my payment history, not my relationship of making this card being my top reasonability... but because of some number, I spoke with 3 Mangers XXXX XXXX XXXX and XXXX and none would even help, they kept just being Concern with the email and credit score, instead of my history with the company. this is not how you treat a six year customer who paid on time and paid with interest as well.. I dont want to walk away, but i will... please help me salvage this relationship with Citi

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