vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Formal Complaint Against Citigroup Inc. ( Citi Bank ) for Inaccurate Credit Reporting and Breach of Digital ContractI am filing this formal complaint against Citi Bank for violating a binding payment agreement, failing to maintain accurate internal data tracking under the Fair Credit Reporting Act ( FCRA ), and wrongfully causing an immediate XXXXpoint drop to my credit score. My account was entirely current and in good standing leading up to my XX/XX/year> billing cycle. Prior to the XXXX due date, I contacted Citi Bank via their official online chat system to request temporary payment relief due to unexpected financial hardship and medical problems.The Citi representative explicitly granted me a total exemption/forbearance for the XX/XX/year> payment and instructed me to contact them again in XXXX to address the subsequent payment. When I explicitly asked the representative if I needed to enroll in a formal program or complete any additional steps to formalize this arrangement, the representative stated verbatim that " no, the chat transcript would suffice. '' Despite this explicit, text-based contractual agreement, Citi Bank 's automated billing systems failed to accurately code the forbearance into my profile. The system erroneously triggered a XXXX late report to the major credit bureaus for the XX/XX/year> cycle.I contacted Citi Bank support again via online chat today, XX/XX/year>, to demand a correction. The representative apologized for the delay but stated they could not locate the arrangement. Crucially, the agent admitted verbatim that front-line chat support lacks the specialized administrative tools and escalation capabilities required to access archived historical text transcripts from previous months, and officially instructed me to call their supervisor telephone line and contact the credit bureaus. I have already submitted formal disputes to XXXX XXXX XXXX, and I have paid the XXXX balance this week to keep the account current. However, because front-line banking staff lack the database access to locate their own bank 's digital chat history, I am forced to escalate this matter federally.

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 2026-06-18 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: MN

Complaint narrative:
I am filing a complaint against Wells Fargo regarding approximately {$1900.00} in overdraft fees that were charged to my account. I believe these fees were excessive and unfair. The overdraft charges accumulated to an amount that caused significant XXXX XXXX. I am requesting that Wells Fargo conduct a full review of my account and provide a detailed explanation of each overdraft fee that was assessed. I am seeking a refund of the overdraft fees that were improperly charged or that Wells Fargo is willing to reverse based on the circumstances of my account. I also request that Wells Fargo provide documentation showing how the fees were calculated and applied. I attempted to resolve this issue directly with Wells Fargo, but the matter has not been satisfactorily addressed. I am asking the CFPB to assist in obtaining a fair resolution and to ensure that the fees were assessed in accordance with applicable laws, regulations, and the terms of my account agreement. I would like Wells Fargo to review my account, explain the basis for the fees, and refund any fees that were charged improperly or that can be refunded as a matter of fairness and customer service.

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 2026-06-18 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: NC

Complaint narrative:
I use my credit card to purchase an airline ticket from XXXX XXXX, which had a layover in XXXX. Due to the XXXX war I received notification from XXXX XXXX they unfortunately had to cancel my ticket. I simply requested a refund from XXXX XXXX and received documentation from XXXX XXXX stating they will be glad to refund my {$1400.00}. They never refunded to my credit card so I contacted my credit card company and they said they would investigate and be contacting me for my documentation and proof. After several weeks, I received a letter which I will enclose stating that they determined I was responsible for the amount and the investigation was closed. The big problem is they never contacted me for my documentation and proof that XXXX XXXX had promised me a refund. Citibank credit card did not do their due diligence in contacting me in any way. Simply punted and sent me a letter saying it was filed and I was responsible for the charges. Please find enclosed attachments from XXXX XXXX stating the ticket was canceled by the airline, not me. Also an email stating I was eligible for a full and complete refund back to my credit card. And also the letter stating from Citibank that they had completed their investigation. I have been on this since I received the original cancellation XX/XX/XXXX of XXXX. With all the excuses and waiting times this is completely dragged on and is unacceptable. Even the letter from Citibank stating they had completed, their investigation was dated XX/XX/year> and I did not even receive it until XX/XX/year>. This whole process has been a huge. Thank you for your assistance in this matter. 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 2026-06-18 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: FL

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 2026-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: OH

Complaint narrative:
Credit control , Llc reference number XXXX XXXX wireless XX/XX/year> this Debt is XXXX XXXX XXXX pass the statute.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect 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 2026-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: SC

Complaint narrative:
Originally I tried to set up internet service with XXXX XX/XX/year>. I did not have coaxial cable ability in my unit so I was unable to use the service. I returned the equipment XX/XX/year>, I have receipt from the store for the RETURNED equipment. I have contacted XXXX multiple occasions, I went back to the XXXX store XXXX times and they said they could not help. They turned debt over to collections, I contacted debt collector, I disputed with credit bureau all for equipment I DO NOT HAVE. Can someone please help me.

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 2026-06-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
I have been contacted be XXXX over a dozen times this year. I informed them multiple times to stop contacting me and also placed myself on their Do not call list. They have continued to contact me through multiple numbers, despite being blocked.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-18 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Information Requested from Navy Federal Credit Union 1. Identification in writing of the specific XXXX dispute condition code under which the claim was denied. 2. Confirmation that Navy Federal contacted the merchants acquiring bank using the merchant ID in the transaction record, and the acquiring banks response. 3. Reopening of the dispute under XXXX Core Rules Sections 11.9.4 ( Condition 12.5 ), 11.10.4 ( Condition 13.3 ), and 11.10.6 ( Condition 13.5 ). 4. Adjustment of the account to the agreed transaction amount of XXXX ( approximately {$32.00} USD at the XX/XX/year> exchange rate ). CFPB Complaint Narrative On XX/XX/year>, my Navy Federal XXXX XXXX XXXX card ( last 4 digits : XXXX ) was charged {$3400.00} by a pedal cab operator in XXXX, XXXX. The agreed fare, verbally confirmed before the ride, was XXXX. The merchant identifiable in the transaction record as XXXX XXXX XXXX used a mobile point-of-sale device and immediately departed without providing a receipt. I contacted Navy Federals fraud unit within five minutes of the transaction, before it had posted to my account. Navy Federal denied my dispute on the sole basis that I lacked a receipt. This denial is inconsistent with three independently applicable XXXX dispute conditions under the XXXX Core Rules ( XX/XX/year> ) : Section 11.9.4, Dispute Condition 12.5 ( Incorrect Amount ), which covers transactions where the amount was changed without cardholder consent ; Section 11.10.4, Dispute Condition 13.3 ( Not as Described ), which covers services not delivered at the agreed terms ; and Section 11.10.6, Dispute Condition 13.5 ( Misrepresentation ), which covers merchants who misrepresented the terms of a transaction. None of these conditions require a physical receipt as the sole evidentiary basis for a dispute. When I sought escalation, a representative identifying herself only as XXXX refused to provide her last name or employee number, stated no supervisor was available, and declared no further appeal was possible. Navy Federal has provided no evidence that it contacted the merchants acquiring bank using the merchant ID embedded in the transaction record, which is a standard step in XXXX dispute process. My requested resolution is not a full writeoff. I am requesting that my account be adjusted to the amount I agreed to pay : XXXX, approximately {$32.00} USD at the XX/XX/year> exchange rate. I am prepared to pay that amount. I am not prepared to pay {$3400.00} for a transaction amount I never authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: NJ

Complaint narrative:
I am disputing an invalid debt collection file held by January Technologies , Inc. ( Ticket # XXXX ) originating from a XXXX XXXX XXXX XXXX ( Loan ID # XXXX ) for $ XXXXThe merchant, XXXX, completely failed to deliver the contracted medical goods or services. For over 12 months, the merchant repeatedly rejected my dental impressions. No official clear aligner treatment kit was ever manufactured or shipped to my address. The only historical tracking numbers exist for raw XXXX materials and a single preliminary test piece that did not fit my teeth and was clinically rejected.I have formally canceled the contract with the merchant. I have filed multiple formal disputes with January Technologies providing this documentation. However, January 's automated system keeps rejecting my merchant non-delivery dispute and threatening collection actions. Under the Fair Credit Billing Act ( FCBA ) and FDCPA, I am not liable for a loan where a merchant completely fails to deliver the goods. I demand that January Technologies immediately close this collection file, cease collection activities, and protect my credit report from inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am a 10+ year Ally Bank XXXX with no prior issues. Between XX/XX/XXXX and XX/XX/year>, I experienced a cascade of significant issues : ( 1 ) On XX/XX/year>, Ally identified suspicious activity on my account specifically what they later characterized as an attempted impersonation to add a XXXX XXXX external account. Ally 's verification process declined the request, indicating their system flagged it as suspicious. However, Ally provided no notification to me as the account holder and took no protective action on the account for approximately 48 hours. During this exposure window, a {$24000.00} wire arrived in my account. A genuine fraudster would have had two days of unmonitored access to the account. ( XXXX ) On XX/XX/XXXX, my accounts were frozen and I was placed in an " account takeover '' process. I received no proactive communication from Ally for nearly three business days, during which I had no access to funds critical to my daily life. Accounts were reopened XX/XX/XXXX after I called and waited on hold for over an hour. ( XXXX ) On XX/XX/XXXX, I submitted a wire request to purchase a vehicle. After full identity verification, an Ally agent canceled the wire due to a clerical error on my end. A second wire request submitted XX/XX/XXXX triggered another account lockdown affecting both my accounts and my wife 's separate individual accounts ( where I have no ownership ). Despite full identity verification, the agent refused to process the wire because the recipient was an individual a perfectly legal use of a wire transfer. She instructed me to ACH funds to a different bank and wire from there. ( XXXX ) Following this, I had to settle for a comparable vehicle costing {$1500.00} more than my original choice. ( XXXX ) XXXX transactions on my Ally accounts remain throttled to 1-3 day delays with no disclosure or timeline for resolution. My four other accounts at different financial institutions retain instant XXXX, confirming this is Ally-specific. I sent a formal written complaint to Ally 's CEO XXXX XXXX on XX/XX/year>, with XXXX to XXXX XXXX ( XXXX of XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ). I sent a follow-up on XX/XX/XXXX. Both emails were opened by XXXX XXXX personally ( confirmed via email tracking ). Despite this, I have received no substantive response by my stated 10 business day deadline. I am also filing a parallel complaint with the XXXX regarding procedural concerns about Ally 's fraud handling and customer notification practices.

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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Company Name : Diversified Adjustment Service , Inc . Account/Reference Number : XXXX Original Creditor : XXXX ( XXXX XXXX ) Disputed Amount : {$250.00} ( Paid in full ) Description of Incident : I am filing a formal complaint against Diversified Adjustment Service , Inc. for reporting legally deficient data, failing to provide proper statutory notices, and practicing deceptive communication. On XX/XX/XXXX, I sold my property and paid all known closing costs through XXXX XXXX XXXX. Because I did not establish mail forwarding with the post office, I was completely unaware of a final trailing XXXX utility balance of {$250.00}. Diversified Adjustment Service failed to establish proper, legal contact with me. They mailed the mandatory written 15 U.S.C. 1692g validation notices to my old, vacant address. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the agency sent SMS messages to a secondary mobile phone from short code XXXX and made automated voice calls from XXXX. I did not view the SMS messages until XX/XX/XXXX, because I was traveling in XXXX and do not routinely monitor that secondary device. I am XXXX XXXX XXXX, primarily use desktop computers ( XXXX XX/XX/XXXX ), and do not routinely read SMS on that phone. Furthermore, I blocked the incoming voice number because the calls consisted of automated music and long holds without meaningful disclosure, sounding exactly like a phishing scam. On XX/XX/XXXX, while reviewing a bank account online, I noticed a severe drop in my credit scores ( XXXX credit tier damaged by XXXX to XXXX points ) due to a new collection tradeline. I immediately called Diversified directly and paid the {$250.00} balance in full that exact day. The agent aggressively refused to remove the damaging tradeline, and my subsequent request for a supervisor callback was ignored. The agency has since updated the account with the remark " Account information disputed by consumer '' to bypass addressing their notice violations. [ 5 ] Because the agency failed to deliver the mandatory written disclosures to a verifiable address before destroying my exceptional credit record, this entire tradeline is legally defective. Desired Resolution : I demand that Diversified Adjustment Service immediately request the complete and permanent deletion of collection account # XXXX from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation