vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On Friday, XX/XX/scrub>, 2026 I noticed a escrow payment for homeowners insurance in the amount of XXXX being sent to XXXX XXXX XXXX policy XXXX XXXXXXXX for my upcoming renewal due XXXX. This is a completely different company that I have insurance with. My insurance company is XXXX XXXX. My insurance Agent is XXXX XXXX, XXXX XXXX agency owner in XXXX, Arizona.. Her license XXXX is XXXX. XXXX XXXX, nor XXXX XXXX have ever contacted me regarding this policy or were given any permission to take monies from my escrow account with Bank of America, or to even sign me up for this policy, First thing this morning I contacted Bank of America to file a complaint and to stop payment on this unauthorized payment and policy never approved by me. The phone agent with Bank of America refused to transfer me to the Escrow Officer so I could file a complaint and demand a immediate reversal to this illegal transaction. I did log into the Bank of America portal and file the official Fraud complaint for unauthorized policy binding by XXXX XXXX XXXX. This was done today, XXXX2026, This is the XXXX year in a row this agent and agency, XXXX XXXX and agency pulled billing my escrow account with Bank of America without my knowledge or consent. This is not even giving me time to find a policy before my renewal date of XXXX and Bank of America takes no responsibility for blindly paying this false premium. I have contacted the following agencies and filed complaints to : XXXX XXXX XXXX XXXX Department by email XXXX Department XXXX XXXX ID XXXX by email XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) by phone and email Bank of America Fraud Department by Email and called BoA XXXX XXXX by Text over the Weekend to have her immediately contact me which she has not done as of XXXX. Why do mortgage companies who hold your money in an escrow account, not have to help you solve an issue like this that is done without your knowledge or consent? This is wrong and needs to be legally fixed to stop this kind of fraud and abuse. Thank you, 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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2026-06-29 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: CA

Complaint narrative:
I am writing to formally lodge a complaint against Freedom Mortgage regarding their refusal to administer the newly active VA partial claim program for my VA-guaranteed mortgage. When I call to discuss loss mitigation options, representatives steer me toward a forbearance extension while explicitly stating there is " no guarantee '' it will be approved, leaving my family in a highly precarious position. When I specifically request the VA partial claim program, they completely ignore or refuse to explore it as a viable option. I am fully aware that lenders have a grace period until XX/XX/2026, to mandate this program into their systems. However, Freedom Mortgage is clearly using this deadline as a stall tactic to avoid processing a solution that is already authorized and active by the VA. The VA implemented this to help veterans now, yet Freedom Mortgage is exploiting this implementation gap. They are pushing me toward riskier options rather than acting proactively, seemingly because the partial claim process is time-consuming or less profitable for them. It is unacceptable to leave veterans vulnerable to rolling arrears and foreclosure while hiding behind a system-update grace period.

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 2026-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: OK

Complaint narrative:
I have a credit builder loan with moneylion my payment was due on XX/XX/XXXX, and to be on time I made the payment a few days early on the XXXX for what was due on the XXXX. They tried to charge me again on the XXXX. I contacted them and they told me I can only make the payment due on the XXXX on the XXXX anything before the XXXX they see as an extra payment, when I told them no I was not making an extra payment that is my payment for this month they would do nothing to fix the issue instead told me I am forced to pay on XXXX specific day each month any other payment is tacked on to the end of the loan not the payment that was due in literally 3 days. I told them im sorry I will not pay a second payment again 3 days later and that is my payment for this month, they basically told me tough luck.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Applied for Jetblue Plus credit card with the promotional brochure given to me during a flight. The promotion reads " Scan Code or Visit getmyjetbuecard.com and use the XXXX digit promotional code below. Get a response in Seconds! '' Applied online following all instructions and received a phone call from a Delaware area code asking for my full social security number which I did not provide because it seemed odd to me- I had input all that information on the online application, so I hung up and call the number on the brochure and what they did was say we will call you to the number added on the application and again asked for the full social security number. With all the scams going on I believe Barclay should review or have a different way to verify if an application is legitimate or not and not give customers so much trouble to get a simple card to be used for flights to an individual with excellent credit who is only trying to protect just that, my credit. the telephone number used to call me back is not an XXXX number it is ( XXXX ) XXXX with no caller XXXX and the Number on the brochure is ( XXXX ) XXXX. After XXXX or 3 days of back and forward we were able to only provide the last XXXX digits of the social and the customer service agent in XXXX minutes said okay- " Approved ''. Not sure if it's a scam or not but want to make sure this does not happen to others and that the Barclay Bank is aware that there may be some type of scam going on.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by a girl who family members work at XXXX XXXX location with the last name XXXX, she did XXXX wire and XXXX dollar transaction I had to go to XXXX different Wells Fargo banks and report it to syonce bank filed police report these people scam money from how many people she has her family working at local branch that makes it impossible to get it resolved this scam been going on XXXX weeks every week Wells Fargo says they return the 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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint because Credit Acceptance is attempting to collect on an account that I do not recognize and did not open. I have never financed a vehicle through Credit Acceptance Corporation and I did not apply for or authorize this account. After I disputed the account, I received documents that include an address where I have never lived. The presence of incorrect personal information further supports my belief that this account is the result of identity theft or mistaken identity. I have filed an Identity Theft Report with the Federal Trade Commission and have attached it to this complaint. I am requesting that Credit Acceptance conduct a thorough identity theft investigation, provide all documentation used to verify the identity of the person who opened this account ( including the credit application, identification presented, insurance information, and any other supporting records ), and remove any inaccurate information if they can not verify that I was the person who entered into this transaction. This inaccurate account is causing me harm by affecting my credit and creating financial hardship. I request that Credit Acceptance stop reporting and collecting this account unless they can establish through competent evidence that I am the person who opened 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 explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA decided to close my bank account and when I went to get the funds out, was told I can not and would have to wait 60 days. I am a XXXX mother with XXXX XXXX and now can not access my funds to be able to pay my bills. I can not even pay my mortgage now. I need assistance ASAP please. I was told there was nothing they could do.

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 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Credit Collection Services regarding an alleged XXXX XXXX debt with an account number ending in XXXX and an alleged balance of {$270.00} that is currently reporting on my XXXX credit report only. It does not appear on my XXXX or XXXX reports. On XX/XX/year> I sent Credit Collection Services a certified letter requesting verification of this debt and offering to pay the balance in full in exchange for deletion of the tradeline. Credit Collection Services responded on XX/XX/year> stating they did not have enough specific information to identify my account. On XX/XX/year> I sent a second certified letter to Credit Collection Services providing my full name, current address, the original creditor name XXXX XXXX, the account number ending in XXXX exactly as it appears on my XXXX credit report, the alleged balance of {$270.00}, and a printed copy of the XXXX credit report page showing this account as reported by Credit Collection Services. Both letters were sent certified mail with return receipt requested. Credit Collection Services received my second letter as confirmed by the certified mail delivery process. However their response dated XX/XX/year> again stated that I did not provide enough specific information to identify my account despite the fact that I included the exact account number they are currently reporting on my XXXX credit file along with a copy of the credit report page showing their own reporting. Credit Collection Services has now responded three times across more than three months claiming inability to identify my account while continuing to report this unverified account on my XXXX credit report. Under the Fair Credit Reporting Act a debt collector can not continue reporting an account they can not verify. I have provided every piece of identifying information available including a copy of the credit report showing their own tradeline and they continue to claim they can not locate the account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 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: CA

Complaint narrative:
I opened the dispute with Citi dXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$490.00} on XX/XX/year>. I have called XXXX times, were repeatedly told by agents to " wait XXXX business weeks, '' and that Citi is now violating the FCBA 90-day resolution window due to internal stalling.

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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I disputed an account on my credit report because it does not belong to me. The credit bureau verified the account without providing sufficient evidence that I am responsible for it. I am requesting a thorough investigation, documentation proving I owe this debt, or removal of the inaccurate account from my credit report. When I have called bank of America directly and gave them my social and information, they said I have no such 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 2026-06-29 00:00:00
Product: Credit card — Store credit 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: NY

Complaint narrative:
I am submitting this complaint regarding an unauthorized transaction on my XXXX XXXX credit card account issued by Barclays. On XX/XX/year>, at approximately XXXX XXXX an unauthorized chip transaction for {$270.00} was posted to my account. The transaction involved an authorized user card that was never received. Neither I nor the authorized user ever received that card, and to the best of my knowledge, it was never activated by us. As soon as I discovered the unauthorized transaction, I reported it to Barclays as fraud. Barclays initially denied my fraud claim, stating that the card was considered to be in my possession and that I was responsible for the charge. I disagreed with that decision because the card was never received. I contacted Barclays again, and the fraud case has now been reopened for another investigation. However, Barclays has informed me that the disputed charge will remain on my account while the investigation is pending. They also advised me that if I do not pay the disputed amount, interest may be charged, late fees may apply, and negative information may be reported to the credit bureaus. I am requesting a fair review of my fraud claim. I also request that Barclays provide the evidence supporting its decision and protect my account from interest, late fees, and negative credit reporting while the fraud investigation is pending.

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: KS

Complaint narrative:
On XX/XX/XXXX I received this text, Welcome! You will now receive texts from Harris & Harris, a Debt Collector on behalf of XXXX XXXX # OfMsgsVaries Msg & DataRatesMayApply Terms : XXXX XXXX XXXX XXXX To optout reply STOP From # XXXX When I search for Harris & Harris, I see the website XXXX XXXX XXXXXXXX And pay website XXXX XXXX XXXX Which leads me to believe the text message is a scam. If it is truly Harris & Harris, they should not use a different website. If it is a scam, they should have some warnings on their site about current scams to be aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NV

Complaint narrative:
I receive child support through the state of XXXX. I recently learned that funds had been deposited to a ReliaCard account years ago after Nevada changed card providers. I had never received the original card and was unaware the funds were being held. After U.S. Bank acknowledged the issue, they issued me a replacement ReliaCard with approximately {$8700.00} available in the account. I activated the card, confirmed the balance through the ReliaCard app, and immediately attempted to use it. Every transaction was declined. I also attempted to withdraw cash from an ATM and obtain a XXXX XXXX at my own bank, but both were declined. When I contacted U.S. Bank, I was told the card had been issued with a {$0.00} daily transaction limit, making it impossible to access any of the funds in the account. A customer service representative opened a back-office ticket and told me it could take XXXX business days or longer to resolve. When I asked how I was supposed to access my money while waiting, the representative replied, " I don't know, ma'am. '' I have contacted U.S. Bank multiple times and have been given no explanation for why the card was issued with a {$0.00} transaction limit, no timeframe for resolution beyond " wait, '' and no alternative way to access my funds. As of the date of this complaint, I remain unable to use the card for purchases, ATM withdrawals, or any other transaction, despite U.S. Bank acknowledging that the funds are in my account. I am requesting that U.S. Bank immediately correct the account, restore full access to my funds, explain how this error occurred, and ensure that consumers are not issued prepaid government benefit cards that can not be used.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Upon large purchase at Best Buy I was offered 15 percent purchase price reward if I opened my best buy citi visa card, nearly a year ago. My points have disappeared and card company rewards department says it is too late to reinstate them. I have reviewed terms and nothing says thism

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 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I was originally with XXXX. I left there, because of bad service, and the bill keep increasing. Not sure how much it was. Then I started being harassed by this collection agency. They call all day long. I went thru the credit bureaus. XXXX and XXXX, asking for a copy of the bill. XXXX eventually dropped them off my credit report, after filing a complaint. XXXX still has it on my credit report. Filed a complaint XXXX. As of today, I received a letter from XXXX stating it has been solved?? All I asked for is a copy of the bill. Even XXXX won't send it to me. They said call Sunrise Credit Services, which I did several times. No bill yet!!! They thought it was funny.

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 2026-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone used my name to get a student loan without my consent or permission. It wasnt me. Now its causing negative reporting on my credit file. Im not able to get help with schooling and I get denied for credit because of this loan. I need to get this removed from my credit file please. Payment {$0.00} Terms XXXX Months Curr Balance {$40000.00} High Balance {$30000.00} Limit {$0.00} Late Days XXXX Account Number XXXX Account Type Installment Account Detail Educational Open date XX/XX/XXXX Closed Date - Bureau CXXXXe - Creditor Type Student Loans Past Due {$0.00} Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX TRANSUNION - Negative - Account Owed Percentage 135 % You have 135 % left to pay Payment {$0.00} Terms XXXX Months Curr Balance {$40000.00} High Balance {$30000.00} Limit {$0.00} Late Days XXXX Account Number XXXX Account Type Installment Account Detail Educational Open date XX/XX/XXXX Closed Date - Bureau CXXXXe - Creditor Type Miscellaneous Education Past Due {$0.00} Date Last Active XX/XX/XXXX Date of Last Paym Account Info Creditor XXXX Original Creditor Unknown Account Number 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