vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I disputed this debt when it was presented by XXXX and it was removed from my credit report. Now it has reappeared with another company and I have reached out and dont get a response.

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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
ChexSystems and XXXX XXXX XXXX are falsely reporting inaccurate information on my consumer reports. The reported information does not belong to me and is the result of identity theft and/or reporting errors. I request that these companies conduct a thorough investigation, correct their records, and remove any inaccurate or fraudulent information in accordance with the Fair Credit Reporting Act.

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 2026-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
The Receivable Management Services is falsely reporting a debt collection account on my credit report. I dispute the accuracy of this account because it does not belong to me and/or is inaccurate. I request a thorough investigation and removal of this account if it can not be verified, in accordance with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). To the extent applicable, I also assert my rights under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e, 1692f, and 1692g.

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a check from the IRS on XX/XX/2026 for {$53000.00} after I deposited the check the bank placed a hold and closed my account, after 60 days and after I filed a complain with your office ( XXXX ) the told they had return the funds to the IRS on XX/XX/2026. on XX/XX/2026 I contacted the IRS and they told me they have not received the funds back from the bank, I called the bank and request documentation and they told they can not send me the documents. I waited until XX/XX/2026 and called back the IRS and they told me again that the bank never return the funds.I called the bank and they keep saying that they return the funds but never issue me a letter about the return of the funds. please I need your help to get this funds from the bank.. thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
A couple weeks ago I got an email from Wells Fargo thing that someone opened up with him in my name. They had to have my Social Security number because I have my ID with me. I dont know whos using my account, but I know that they are trying to open a bank account and my name and I dont know if they have opened up a food stamp account in my name of social services. Please help me I have kids and its starting to affect us. They are messing up my XXXX XXXX. I dont know if somebody had got some of my information through my email. Maybe my email was linked, but it did have some of my personal information in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited {$1000.00} or {$1000.00} ( XXXX 's included ) on XXXX. The ATM machine did not accept {$20.00} bill ( it was bent/folded ). The machine kicked it out. I removed and it took the machine nearly XXXX minutes to close the deposit box. The machine was making noises. I was in a panic, afraid if not getting my card back. The machine asked if I wanted to put XXXX credit or guess the amount I deposited. I was thrown off and put the XXXX. I have the ticket for the transaction. I called Wells Fargo immediately on Sat to start the claim. I have been speaking with them everyday since then. They will not provide a provisional credit. I am starting to receive insufficient charges. I need my funds. I had no control of the ATM.

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 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I noticed that a payment had posted, sending my account into a negative balance. That same exact morning, I made a cash deposit of the exact amount to cover the balance. On XX/XX/XXXX, a second charge occurred that once again put my account in the negative. The bank did not process these payments until XXXX business days after, on XX/XX/year>. I was charged a {$35.00} overdraft fee hours later. I did not receive any communications from the company stating they were charging a fee until only several hours before it was assessed, after the banks had already closed. When they processed the overdraft fee, they applied it to the bigger amount that was above the {$10.00} threshold that I had already covered via an in-branch cash deposit. This is wholly unethical, deceptive and predatory on their part ( and possibly illegal ).

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 2026-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am filing a complaint regarding consumer fraud, predatory lending, and deceptive marketing involving a private student loan from Sallie Mae used for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .I was induced to enroll based on aggressive marketing promising guaranteed job placement and claims that the advanced caliber of the course would qualify me to work at any top institution. These job statistics and placement promises proved to be false. Furthermore, during the enrollment and financing process, university representatives instructed me to only fill out specific portions of the Sallie Mae loan application, stating they would complete the rest of the document because " Sallie Mae is picky. '' My grandfather and I trusted the university 's esteemed reputation and complied. It now appears the school manipulated the loan application to push through financing for an unaccredited bootcamp under the guise of an eligible university program.The bootcamp has since shut down, and student records have been restricted. Because Sallie Mae partnered directly with this fraudulent program, I request a full investigation and a total loan discharge under the FTC Holder Rule. Rough loan signing date : XXXX XX/XX/year> I also can not find any documents to attach

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX my son and his friend blew up my garage by trying to start a wood furnace with gas. I filed a claim with my insurance and received a check for {$9500.00}. Due to this amount was under the XXXX thresh hold the check was addressed to me only. The repairs were done on XX/XX/XXXX to the garage. At this time XXXX was my mortgage company. However, due to the wood furnace being damaged the adjuster quoted the wood furnace as a wood stove. I had to get a contractor out to quote the wood furnace. I got that quoted and sent to the insurance company. They issued a new check for the amount of {$6700.00}. When I got this check it had my mortgage company on it. By the time this was done. I had a new mortgage company Lakeview Loan care as of XX/XX/XXXX. Well because this new check put me of the XXXX thresh hold the new mortgage company was on the check. I sent them the check and they cashed it on XX/XX/XXXX. They have had the money since. I have called them and explained to them that the repairs have been done since XXXX and that I am not replacing the wood furnace due to safety issues and that they need to release the funds to me. They are saying that I have to have an inspection done. Which I was like fine, however the inspector has canceled on me twice. They don't care and will not release the funds. This has been a nightmare of a situation and I am not sure what to do. I have paid out of pocket to get the wood furnace hauled off. The will not release those funds to me. I am a XXXX XXXX of XXXX and do not have the funds to just me paying out of pocket without being reimbursed. The mortgage company should not have any control over the insurance money. They do not pay for my insurance and my loan is guaranteed by the VA so they are not out any money. They have made this situation extremely difficult for me and I am sure anyone that does business with them. The amount of stress this has placed on me is astronomical and this should be illegal for them to say how I have to spend this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: ID

Complaint narrative:
I woke up to a {$590.00} charge that was allegedly for an old account through US BANK. They claimed to try to contact me but were calling an old number even though my current account had the correct phone number. I am very frustrated about this as I would have happily made arrangements to get it taken care of. That is a large payment when I have other bills and do not get paid again until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
XX/XX/year> XXXX requested amount for cashiers check. Tuesday afternoon around XXXX I went to M & T bank to obtain a cashier 's check in the amount above. I had no issues at this point the check was to be submitted to a dealership ( XXXX ) for a vehicle down payment. I sent the photo to the check to XXXX but they require verification by calling the bank. After XXXX made multiple attempts to contact M & T who I later found to be the bank manager kept hanging up on them. Which lead to a XXXX way call including myself, XXXX, and M & T bank. The manager XXXX picked up and I introduced myself as the account holder he did not want to hear what I had to say and he hung up the phone. I immediately call the customer service line to ask what is the steps of a dealership verifying a cashier 's check the representative states they would have to contact that individual bank. I immediately went back to the M & T bank and told them what happened the teller went to the bank manager being she was also confused and that's when I over heard and realized it was him who hung up on me. I was very disturbed felt disrespected and baffled. So I request to speak with him to voice my opinion. The teller process a return of the funds on the check to my account and suggest a wired transfer to XXXX. The funds were returned but not my {$10.00} fee ( paid in cash ) for the check which I am requesting as well. The teller showed me the managers office and I went over to let him know how unprofessional it was to hang up on a customer he kept going on about he can't verify a check I state you're missing the point I told you I am the account holder and you didn't even verify that you just hung up on me. I said I would like to file a complaint he stated he is the highest authority and he would have to file that complaint so I said go ahead I would like to make sure it gets logged. I did not trust him to complain on himself he followed by telling me '' you can get out of my office ''. This whole situation has left a bad taste in my soul being I have never had such poor and distasteful customer service in a financial setting. Also prompt me to feel like he is XXXX being XXXX XXXX XXXX came to him after me and he gladly took care of their business no issues.

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 2026-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of my XXXX XXXX XXXX credit card account. I recently learned that Wells Fargo ended its partnership with XXXX XXXX XXXX and stopped allowing cardholders to use their accounts as of XX/XX/year>. I was not notified of this change before it took effect. In fact, I only became aware of it after contacting Wells Fargo, at which time I was informed that my account could no longer be used and would be permanently closed this fall. My account has remained in good standing. I have consistently made my payments, still carry an active balance, and have available credit on the account. Despite this, Wells Fargo has denied me access to the available credit while continuing to require payment on the existing balance. I applied for this credit card based on the benefits and availability of the revolving line of credit. I accepted a hard inquiry on my credit report to obtain this account, have maintained it responsibly, and now face the loss of that credit line through no fault of my own. Closing this account will reduce my available credit, increase my credit utilization, and may negatively affect my credit score and overall credit profile. Additionally, I have not changed my mailing address, email address, or phone number. To the best of my knowledge, I never received any notice from Wells Fargo or XXXX XXXX XXXX informing me that my ability to use the account would end or that the account would be closed. If Wells Fargo contends that notice was provided, I request documentation showing when, how, and to what address or email it was sent. I respectfully request that Wells Fargo : * Provide proof that proper advance notice was sent. * Convert my existing account to another Wells Fargo revolving credit card instead of closing it, preserving my account history and available credit. * Explain why my available credit was suspended before I was informed of the change. * Ensure that any reporting to the credit bureaus accurately reflects that the account closure, if it occurs, was initiated by the lender due to the termination of the co-branded program and not at my request. I have acted responsibly by maintaining my account and making timely payments. I believe Wells Fargo should make every reasonable effort to prevent unnecessary harm to my credit resulting from the termination of its business relationship with XXXX XXXX XXXX. I appreciate your review of this matter and request a prompt response and fair resolution.

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 2026-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
My property taxes were submitted XX/XX/XXXX, just 1 of 3 bills got paid XX/XX/XXXX ( after numerous calls and messages ). The other 2 had a payment issued XX/XX/XXXX after more fighting and then for no reason they stopped payment. They were due XX/XX/XXXX or they would cost more. On XX/XX/XXXX they reissued a payment and now I have a 12 % penalty. The escrow balance exceeded taxes due by greater than {$1000.00} at the due date. I have now been fighting for several weeks for them to pay the property insurance. They told me XX/XX/year> in writing they would issue in 2-3 business days now they haven't made the payment still and are saying they won't for at least a month.

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 2026-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: VA

Complaint narrative:
I am disputing the XXXX XXXX collection account because I question its accuracy and my responsibility for this debt. I do not believe I owe this balance, and I was not aware of this account until it appeared on my credit report. I contacted XXXX XXXX and was informed that the account is closed/inactive. Please investigate this account and verify that it is being reported accurately. If you can not provide documentation showing that I am legally responsible for this debt and that the information being reported is accurate, I request that this collection account be corrected or removed from my credit file pursuant to the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized charge in the amount of {$190.00} was posted to my Ally Bank checking account by XXXX. I immediately notified Ally Bank and filed a dispute, receiving reference number XXXX On XX/XX/year>, I contacted the Ally Bank Fraud XXXX XXXX XXXX an expedited provisional credit. Under Regulation XXXX, banks have up to 10 days to investigate, but can issue provisional credits sooner in cases of financial hardship. I clearly communicated to the representative that having these funds tied up is causing an immediate financial hardship for my family. As a XXXX of XXXX, missing this money significantly impacts my ability to manage our daily household expenses. Despite explaining this hardship and citing Ally Bank 's own Online and Mobile Security Guarantee, the representative refused my request. I remained calm and professional and asked to be transferred to a Tier 2 Dispute Resolution Supervisor to escalate the hardship override. The agent explicitly refused to transfer me and then intentionally hung up on me. When I called back, subsequent agents also refused to connect me with the dispute department. Ally Bank is withholding my personal funds from a fraudulent charge while their frontline agents actively block me from speaking with anyone authorized to review a hardship escalation.

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 2026-07-09 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: 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 banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation