vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Best Buy Credit card/CitiBank XX/XX/XXXX stated they did not get my payment paid through XXXX XXXX on line banking so they added late fees of XXXX and I paid it XX/XX/XXXX to keep in good standing. XXXX XXXX stated they paid the payment through a dispute. XX/XX/XXXX they emailed and said I owed another fee of {$30.00} as a late fee. I paid it as well. I felt something wrong, I was being charged for paying payments they claim not to have received plus late fees, so I closed the account XX/XX/XXXX. The account had and has no balance. XX/XX/XXXX received an email I owe another {$60.00} late fees. I called they waived one and now I owe another {$29.00} late fee. For what?? I owe nothing. The card is closed. There should be nothing. They will not allow me to close 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 monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX purchased A new car in XXXX of XXXX lone amount XXXX from ally at 17 % interest I have payed XXXX in payments as of today and in XXXX of XXXX I lost my job causing me to fall behind in payments got a extension that was never applied to my account. On XX/XX/XXXX my car was taken from lows parking lot leaving me to call the police who told me it was repossessed and to call my finance company. I have called everyday since to get an amount so I can pay to get my car back and can not get anything from them, they just keep telling me to call back tomorrow. While going over my account I found XXXX payments that I made to them that are not showing on any billing statements that they refuse to fix they just say they were applied. The first XXXX is on XX/XX/XXXX XXXX for XXXX the second one is on XX/XX/XXXX of XXXX for XXXX and the third one is on XX/XX/XXXX XXXX for XXXX they have violated ca laws I started a new job in XXXX and can pay my payments just need to reinstate my lone I need my car to work my address is XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX and my account number for my lone is XXXX please help

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 2026-07-08 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: LDF Holdings, LLC
State: CA

Complaint narrative:
Disputing payoff amt of {$1900.00} for loan {$1600.00} taken XX/XX/XXXX paid off entirely XXXX days later XX/XX/XXXX with early payment of XXXX XX/XX/XXXX just {$30.00} less than full principal amount of {$1600.00}. I was told Ithats all I could pay off on XX/XX/XXXX since first payment of {$420.00} was due in XXXX day and already processing. I argued that payoff could not be {$1900.00} based on an APR of XXXX and daily rate calculated by dividing that APR by XXXX per loan term doc I agreed to. They said thats not how they compute payoff. Based on loan docs I agreed to interest is calculated by APR divided by XXXX with no prepayment penalty. This results in daily rate of {$15.00} x XXXX {$120.00} as of XX/XX/XXXX plus the {$1600.00} borrowed = {$1700.00} as if XX/XX/XXXX, Im not sure how the remaining principal of {$30.00} XXXX would be calculated, but even using the {$15.00} daily x XXXX days for full principal of {$1600.00} would = {$140.00} interest + $ XXXX {$1700.00} payoff. My scheduled payment of {$420.00} applied {$390.00} .. XXXX interest with {$30.00} principal. I am requesting refund for overpaid interest of at least {$250.00} based on loan docs. At a minimum if they calculate not using daily rate based on APR divided by XXXX, the loan terms are misleading in interest calculation and stating no prepay penalty. I also should have been allowed to payoff entire amt on XX/XX/XXXX as I wanted to without prepaid interest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX I am writing to formally dispute the accuracy of the collection account listed on my credit report under your companys name. This letter is being sent in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account referenced above appears on my credit report, however, I do not believe this account is accurate and/or verifiable. I am requesting that you provide proper verification and validation of this debt, including but not limited to : The original creditors name The original account number The date of first delinquency Documentation showing I am legally responsible for this debt A copy of any contract or agreement bearing my signature If you are unable to provide complete and accurate verification, I request that this account be removed from my credit report immediately. Please note that under the FCRA, any account that can not be verified must be deleted. During this investigation, the account should not be reported as undisputed or updated inaccurately. I expect a written response within 30 days of receipt of this letter. Failure to comply may result in further action to protect my rights. Thank you for your prompt attention to this matter. Sincerely, 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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. The account that must be blocked and removed immediately is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I would like to pay the minimum amount until the debt is paid off and the negative report is removed.

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 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I deposited 2 checks ( one for {$2300.00} and one for {$2800.00} ) over XXXX of XXXX weekend. Monday, XX/XX/XXXX was the date of deposit due to the holiday weekend. On XXXX, I received an email stating that {$300.00} from each check, for a total of {$600.00}, was available now, and the rest would be available on XXXX. At XXXX XXXX on XXXX, the funds had been fully credited to my account and released. Later on in the morning at XXXX XXXX, my account was overdrawn by {$3700.00}. According to the agents I spoke to, Ally Bank retroactively placed a hold on the funds in the account on XXXX. At XXXX XXXX, I then received two notifications that there would be a delay in access to my funds due to " confidential information indicates the check may not be paid. '' Due to the retroactive hold, Ally manufactured an overdraft, and caused a direct financial disruption.

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 2026-07-08 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: NC

Complaint narrative:
I was scammed by an individual claiming to be a Wells Fargo representative calling me from a caller ID of a local wells Fargo branch. They stated my account was compromised and that I needed to move my money to XXXX XXXX because they were about to close and freeze my account. Once I followed their instructions they had me transfer the money to what I believed was my " new '' bank 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 2026-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: SC

Complaint narrative:
I am a veteran who recently closed on a home in XXXX XXXX using a XXXXbacked home loan serviced by Guild Mortgage. My closing documents explicitly state that my total escrowed property costs for the first year are {$1400.00}, which was to include the full funding and immediate payment of my first year 's homeowner 's insurance premium. The policy was bound through the local XXXX and XXXX XXXX XXXX and is underwritten by XXXX XXXX XXXX ( XXXX ). Instead of making the payment, Guild Mortgage failed to send the initial premium check to the insurance provider, causing my homeowner 's insurance policy to be canceled for non-payment effective XX/XX/year>. My home is currently completely uninsured due entirely to this lender error. Upon reviewing my account, I found that my current escrow balance is exactly {$480.00}. This is merely the initial escrow cushion collected at closing. Guild Mortgage completely failed to pay the actual first-year insurance premium out of the remaining {$1400.00} escrowed property allotment. Per my closing disclosures, the lender is explicitly liable for penalties and interest for failing to make these scheduled payments. My first monthly mortgage payment is scheduled to auto-draft today, XX/XX/year>, meaning I am actively paying into an account that Guild Mortgage has severely mismanaged from day one. Due to Guild Mortgages negligence, my XXXXbacked property is sitting exposed with zero insurance coverage. I am demanding that Guild Mortgage immediately issue an emergency escrow advance today, contact the XXXX underwriting department directly to reinstate my policy with no lapse in coverage, and correct my escrow account balances without penalizing me for their closing error.

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: 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had been in this problem since XX/XX/year> I disputed the charge 2 times and fraud 2 times I still got the same answer we denied your claim without any details and I called them many times asking for a copy of the information you get to take this decision like the address, phone number or IP address used for this transaction they said we dont have this information ok on what evidence you decide to deny my claim so till now I am still on the automatic payment every month till I solve this problem and I got whatever I paid 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 monetary relief
Consumer complaint received 2026-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this complaint against Ally Financial ( Ally Auto ) regarding their customer service barriers and predatory payment allocation practices that are putting my vehicle at immediate risk of repossession. Currently, I owe {$1500.00} in past-due monthly loan installments, and an additional {$1000.00} in accumulated late fees. I am ready, willing, and trying to pay the full {$1500.00} past-due installment balance right now to bring my loan calendar current and protect my vehicle. However, Ally 's automated systems automatically route payments to outstanding fees first. I have repeatedly contacted Ally Auto customer service to request a manual payment override so that my {$1500.00} goes strictly toward my installment principal, not the late fees. The customer service agents I am connected with have severe language barriers, refuse to assist with a manual override, and actively block escalation. When I explicitly demanded a supervisor, agents used stalling tactics, falsely claiming that " all supervisors were at lunch '' and refusing to transfer my call. I am being actively prevented from paying my core debt to secure my property because Ally 's frontline staff will not process a targeted payment allocation. I request that a U.S.-based executive resolution manager contact me immediately to accept my {$1500.00} payment, apply 100 % of it to my past-due monthly installments, and provide a full review or waiver of the {$1000.00} in late fees.

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 2026-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
WellsFargo denies issuing an XXXX replacement device because I do not have a US phone number. Discriminating for being a permanent expat in XXXX. They did verify me but claim they can not give me a new device which puts me in a bind regarding my assets with Wells fargo.

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 2026-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. I have been receiving texts messages and emails from a debt collector about collecting a debt I do not owe to XXXX XXXX. Someone use my information to purchase phones.

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 2026-07-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AK

Complaint narrative:
I am a retired military veteran filing a formal institutional non-compliance complaint against USAA Federal Savings Bank for failing to honor federal consumer protection standards regarding a credit card dispute in Case XXXX XX/XX/XXXX, I paid a legal retainer fee of {$4200.00} to an ongoing services merchant under a binding XXXX contract wrapper. The expected date of performance and contract deadline was XX/XX/XXXX. The merchant completely failed to perform and formally denied my written refund request in writing on XX/XX/XXXX. I filed a consumer dispute with USAA on XX/XX/XXXX, XXXX 65 days after the contractual breach occurred. USAA 's automated system instantaneously auto-denied my case on day XXXX ( XX/XX/XXXX ) without a human analyst ever opening my XXXX attached evidence files. Today, on XX/XX/XXXX, a USAA dispute manager refused to manually override the file, citing a strict XXXX Visa system limitation from the original processing date. Under federal banking guidelines and fair credit principles, a consumer 's right to dispute a total failure of future performance begins on the date the contract is breached, not the date money changes hands. USAA is using an automated system limitation to insulate a fraudulent merchant and deny a veteran their legal right to a human dispute investigation. I require USAA to manually bypass their automated date block, reopen Case XXXX, and review my contract 's XXXX performance clause.

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