vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I am filing this complaint regarding a vehicle loan serviced by Vervent and originally obtained through XXXX XXXX XXXX XXXX I purchased my vehicle on XX/XX/year>. Within approximately one week of purchase, the check engine light came on and the vehicle began experiencing ongoing mechanical problems. I repeatedly reported these issues and brought the vehicle in for repairs under the warranty provided at the time of sale. Despite multiple repair attempts, including repairs that required parts to be ordered on several occasions, the defects were never properly resolved. The vehicle continued experiencing problems, including warning lights and performance issues, causing me significant inconvenience and financial hardship. I incurred additional expenses while attempting to keep the vehicle operational and continued making payments on a vehicle that remained defective. While I was attempting to obtain repairs and a resolution, I was subjected to frequent collection calls regarding my loan payments. The company regularly contacted me two to three times per day, month after month, regarding the same payment issues. Although they aggressively pursued payments, they failed to provide a meaningful resolution to the vehicle defects and warranty concerns that I repeatedly reported. The vehicle was ultimately repossessed. After the repossession, I was informed that I would need to pay approximately {$2000.00} in additional fees and charges to redeem or recover the vehicle. I believe these fees were excessive given the circumstances, especially considering the vehicle had ongoing unresolved defects that had been reported repeatedly and unsuccessfully repaired multiple times. After the vehicle was repossessed, the frequent collection calls stopped. This leads me to believe the company was more focused on collecting payments and repossessing the vehicle than addressing the underlying problems that existed shortly after the sale. I am requesting that the CFPB investigate : * The sale and financing of a vehicle that experienced significant defects shortly after purchase. * The failure to adequately resolve warranty and repair issues despite multiple repair attempts. * The loan servicing and collection practices, including repeated calls multiple times per day. * The repossession process and the fees charged following repossession. * Any remaining balance, fees, or charges associated with this account. * Whether consumers affected by XXXX XXXX bankruptcy are being treated fairly by the current servicer. As a resolution, I request a review of my account, reimbursement of applicable expenses, investigation of the repossession and related fees, correction of any inaccurate account reporting, and any additional relief deemed appropriate based on the facts of my case.

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 2026-06-15 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Early last week I discovered the closure to my USAA checking account, I learned that my account had been closed. Prior to this discovery, I had not received any written notice, email, phone call, or other communication informing me that the bank intended to close my account or providing an opportunity to address any concerns. The sudden closure of my account has caused significant inconvenience and hardship, including missed payments, returned transactions, inability to access funds, damage to credit, being stranded without funds, ability to use apps for family to send money, and financial hardship. As a customer of over 10 years, I expected to receive reasonable notice and an explanation before such action was taken. I had an older account with USAA that had issues and was told by one of their representatives to open a new account and make sure all direct deposits were sent over before closing the old checking account. That done last month which the account they closed was only two months old and there was no issues nor a reason for them to close my account They are telling me that it will take 60 days to get the balance of my account mailed to me. I had appealed the closure and was told that it was being looked into and I would get word this Friday XX/XX/year> but I started receiving notices that my credit card and access was being removed despite what I was told. They are supposed to honor veterans and value us but rather do this. I receive my XXXX and XXXX XXXX which is all my income and now may face being homeless, without food, and without a vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a routine application for a credit card to Navy Federal Credit Union ( NFCU ). During the underwriting process, NFCU engaged in aggressive, non-financial data-enrichment practices via XXXX, scraping and evaluating structural property dimensions and municipal land square footage tied to my real estate. As a consumer with a pristine XXXX XXXX XXXX score, zero outstanding debt, and a 40-year history of flawless repayments, I have repeatedly disputed the necessity and legality of this intrusive data collection. To evaluate the exact contractual parameters and data-sharing permissions I was subjected to at the time of the transaction, I formally requested a complete copy of the Credit Card Agreement, Application Disclosures, and Privacy Policies actively in effect on XXXX. NFCU has refused to provide these historical disclosures and deliberately provided XXXX standard credit card agreements. This constitutes a willful violation of federal consumer transparency mandates. They can not legally alter or erase a consumer 's right to audit past contractual terms by substituting irrelevant modern documents. I request that CFPB compel NFCU to immediately produce and deliver the unredacted, historical PDF copies of the specific Credit Card Application Disclosures, Account Agreements, and Privacy Notices that were legally active on XX/XX/XXXX, for the card product I applied for. I reject the substitution of modern documents.

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 2026-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I was applying for loans online. I was checking out my options and seeing what interests rates would be. I connect my checking account to are if inwould be approved. I didnt not accpe tany loan agreements and this particular loan is 1000 % apr. I would have never accepted this loan with thay interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Made a deposit of {$75000.00} on XX/XX/year>, to our Bank of America account with a personal check from our XXXX account. At the time of deposit, the check was put on hold at Bank of America. I understand and accept that hold while awaiting receipt of funds from XXXX XXXX. On XX/XX/year>, the funds were debited from our XXXX account and the hold persisted on the deposit at Bank of America. I called today, XX/XX/year>, to have the hold removed. They denied that request. I asked for escalation. The phone representative indicated she would put in a complaint and I " may '' hear from them within XXXX hours, and that regardless the funds would be available on XX/XX/year> ( XXXX days after Bank of America received the funds from XXXX XXXX ) so the department who would see the complaint might not see the complaint until after the funds are available. Bank of America is holding the funds they are in receipt of to their benefit and to the detriment of us, the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX XXXX and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant XXXX and XXXX, affecting my XXXX XXXX and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off 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 2026-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX and associates was calling to let me know that I would be served to go to court for a financial obligation. The associate who left the message was XXXX. They left a number of XXXX case numbner XXXX. He said I could pay him over the phone to avoid being served and going to court. I called and spoke with a person there, not sure of his name but he said that this was from XXXX XXXX Citi Bank from XX/XX/XXXX. He had my social security number and my date of birth. I do not owe anything with XXXX XXXX as I paid them off myself. I even called XXXX XXXX XXXX XXXX XXXX and she said that I made my last payment in XXXX and this was not a charged off account so whoever called me was under false pretenses. This is clearly a scam and plot to get money but they do have sensitive information, which is my social and date of birth

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Credit 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: TX

Complaint narrative:
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> at around XXXX, my husband received a suspicious activity text from a wells fargo number. Thinking it was legit, he responded and received a call from a person posing as a bank teller stating there was fraud activity. My husband gave the person our account number thinking it was a legit person because the number was from a wells fargo branch, and we were drained from our savings and checking accounts of about {$2000.00}. The following day we were still overdraft and he called wells fargo where he was told he had been scammed and this was common. We were refunded {$1800.00} and moved to claims. Today, XX/XX/year>, I noticed we were overdraft {$2000.00} and had pending provisional credit reversal. When we called wells fargo we were told there was no evidence of fraud and the claim was closed. Leaving us with no money, and our mortgage is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint regarding a {$1700.00} charge on my credit card for an order that was canceled and never fulfilled. The charge appears on my statement as two transactions ( {$1700.00} and {$17.00} ), both associated with XXXX and the merchant. I did not receive any goods or services related to this purchase. After the order was canceled, no refund was issued. I attempted to resolve the issue with both the merchant and the payment provider. The payment provider ( XXXX ) confirmed they can not issue a refund unless the merchant processes it, and the merchant has not done so. I disputed the charge with Citi ; however, I was informed that the dispute could not be further escalated due to internal time limitations. Despite this, the underlying issue remains unresolved : I am being billed for a transaction where no goods or services were delivered. I requested that Citi review the charge as a billing error and provide clarification and escalation, but the issue has not been resolved. I have made multiple attempts to resolve this matter in good faith, including filing complaints documenting the failure of the other parties involved. Despite these efforts, the charge remains active and I am still being held financially responsible. This situation represents billing for goods or services not received, and I am requesting that Citi correct the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc.
State: IL

Complaint narrative:
I am writing regarding the account being reported by, Summit A R, which reflects inconsistent and inaccurate information across the three major credit bureaus. Specifically, the reported date opened, account number, payment history, balance, term length, and charge-off status are not consistent, which constitutes inaccurate reporting under 15 U.S.C. 1681e ( b ). Furthermore, pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, Summit A R has failed to provide proper validation of this alleged debt. To date, they have not produced Furthermore, pursuant to 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, Summit A R has failed to provide proper validation of this alleged debt. To date, they have not produced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
This complaint follows closed CFPB complaint number XXXX. Meridian Financial Services states the account was placed with them on XX/XX/XXXX, the same date it was first reported to my credit file. Meridian also states that it mailed a validation package on XX/XX/XXXX, but I never received it and Meridian did not provide a copy through the CFPB response. Since receiving my dispute on XX/XX/XXXX, Meridian updated the reported balance to {$10000.00} on XX/XX/XXXX and again on XX/XX/XXXX without providing a complete accounting or supporting documentation. This account arises from a XXXXXXXX XXXX XXXX membership, not a deeded timeshare, and the original membership companys communications ( attached ) show that the amount referred to collections was {$840.00} plus a late fee and that my membership could be reinstated if that amount was settled, which conflicts with Meridians reported {$10000.00} balance and raises serious questions about Meridians claimed ownership of the debt and the accuracy of the amount being reported. Meridians response also states that its first written communication to me was the XX/XX/XXXX validation response, which was nine months after placement. I continue to dispute this account as unverified, inaccurate, and unsupported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
This started out as being part of an online dating app thru someone. Then things changed and spiraled out of control and got worse as time went on. Please review complaint number also with CFPB submitted on XX/XX/XXXX. This is all about the same person that was involved with me along with XXXX other people that I'm filing the report on. The complaint number ID XXXX XXXXXXXX. I will have XXXX more person that I will be adding in a separate complaint as well. But this person that I'm reporting goes by the name of XXXX XXXX. In all the total dollar amount I lost to him came to {$19000.00}. I never met this person and don't even know who he is. All I know is that he was involved in this scam as well as the others. He received a lot of money from me " fraudulently '' and he knew this what was happening but did nothing to send back my funds to me. The name of his bank that received the funds was called BOA ( Bank of America ). Their address is XXXX XXXX XXXX XXXX, New York XXXX. This was and maybe still is his personal bank as of today. Don't know for sure. For the XXXX amount, XXXX XXXX received a personal check XXXX XXXXXXXX in the amount of {$13000.00}. This check was dated for XX/XX/XXXX. Along with this check that was mailed out to him came the extra added expenses of {$100.00}. This check was mailed directly to his bank : BOA XXXX XXXX XXXX in XXXX New York. The XXXX check was a cashier 's check in the amount of {$500.00} plus postage and shipping that came up to an extra {$50.00}. This XXXX check was dated for XX/XX/XXXX. Check XXXX XXXX was an online e-check XXXX XXXXXXXX in the amount of {$500.00} plus additional expenses for overnight fees and miscellaneous fees that came to {$110.00}. This check was dated for XX/XX/XXXX. Check XXXX XXXX was in the amount of {$300.00} plus overnight fee and miscellaneous expenses for {$110.00}. The check XXXX XXXXXXXX was processed on XX/XX/XXXX and was mailed and tracked to his home address. E-check XXXX XXXX XXXX XXXX was dated for XX/XX/XXXX in the amount of {$500.00} plus overnight fee and miscellaneous expenses in the amount of {$110.00}. This check was mailed right to his home address with a tracking number involved. And last check XXXX XXXX also was an e-check XXXX XXXX in the amount of {$4000.00} plus overnight fee and miscellaneous fees of {$110.00} with a tracking number as well being sent to his home. The check date was done on XX/XX/XXXX. The total dollar amount lost to XXXX XXXX in this scam/fraud case came to {$19000.00}. These are all of the checks he received " fraudulently '' from me. And now I'm fighting 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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was scammed. I was victimized by a malware-driven XXXX XXXX XXXX ( XXXX ) imposter scam. Hackers infected my machine with malware that intercepted my login attempts and threw a malicious, spoofed overlay 'frozen account ' pop-up screen mimicking a cryptocurrency platform. This pop-up directed me to an imposter hotline. The criminals masqueraded as customer support, instructing me to use XXXX to establish a remote screen-share session under the guise of an account identity verification process. Once they hijacked visual and keystroke access to my device, the criminalswithout my authorization or consentunilaterally initiated and executed electronic fund transfers out of my Wells Fargo checking and credit accounts to fund a crypto purchase, which they immediately exfiltrated to their own external wallets. I reported this fraud to Wells Fargo Bank where I was scammed and they denied my claim and reversed provisional funds and now I am suffering the massive loss of {$3500.00}. RE : XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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