vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 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:
I am a XXXX veteran filing a complaint against Navy Federal Credit Union for failure to protect me against documented merchant fraud and for violations of my rights under the Fair Credit Billing Act ( FCBA ) .I purchased a vehicle from XXXX XXXX using my Navy Federal credit card. The vehicle arrived defective and completely stopped working within 90 days. The merchant initially acknowledged the defect under warranty and promised to ship parts, but failed to do so.I filed a dispute with Navy Federal. The merchant then engaged in " chargeback fraud masking '' by falsely claiming to the bank that a refund was pending. This statement was a lie intended to manipulate the banking system. Navy Federal accepted the merchant 's verbal claim without verification, closed my valid dispute, and reversed my credit. The merchant never issued a refund and has ceased communication.A merchant 's internal " all sales final '' policy can not legally override federal FCBA protections for fraudulent transactions and defective merchandise. Navy Federal is failing to properly investigate this merchant scam. I am requesting that Navy Federal permanently credit my account, reopen and properly rule on this dispute, and hold the merchant accountable for providing false statements to a financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 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: CA

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 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
As I have been told and written about my claim, the case would be reopened after I have provided new evidence, which in my case is the list of the text messages I received the day of the fraud ( XX/XX/year> ), since according to the bank, the code in the text message that allows this unknown and unauthorized recipient was sent and introduced allegedly by me, I am providing with this claim what XXXX gave my in which you can see, I did not received any code that allowed this transaction nor the enrollment of this recipient in bank account. I appreciate, as always, the due diligence and hope that my case will be solved.

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 2026-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, at XXXX PM, I received a text message from a collection agency that reads as followed : " CREDIT COLLECTION SERVICES is a debt collector. We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt. Attached to this message is a .pdf file with important information. Telephone : ( XXXX ) XXXX. Self-service : www.ccspayment.com. Reference File # XXXX. To opt out, reply STOP. '' The message also included a pdf document attached that stated my full name, address, and amount of debt owed. The sender did not attempt to verify my identity in any way before releasing this information. On XX/XX/year> at XXXX AM I received another message reading : " This message is from CREDIT COLLECTION SERVICES ( a debt collector ) regarding XXXX. You can call ( XXXX ) XXXX or visit www.ccspayment.com to self-service. Reference File # XXXX. Thank you. To opt out, reply STOP. '' No personal information was shared in the second contact attempt. It is my understanding that a collection agency is not permitted to share personal information or the amount of debt owed without confirming my identity first. No attempt to do so was made. If I had not been the owner of this phone number, my full home address would have been made available to a stranger. This poses a significant safety concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
State that USAA is violating Regulation E by refusing to investigate a documented ATM mechanical error and is weaponizing police reports to avoid tracking an audit discrepancy.

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 2026-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint because Regions Bank has repeatedly refused to honor my rights under the Servicemembers Civil Relief Act ( SCRA ). Despite submitting valid military orders and documentation, Regions Bank has denied my SCRA interestrate reduction request three times, without providing a lawful basis for denial. Because I am stationed in Louisiana and my home is located in Louisiana, the states statutory adoption of SCRA further strengthens my protections. Louisiana law explicitly incorporates the SCRA and provides retroactive and prospective enforcement authority. Louisiana Revised Statutes 29:422 states : Louisiana adopts the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ) and makes all SCRA protections fully enforceable within the state. The statute applies retroactively and prospectively, per Acts 2002, 1st Ex. Sess., No. 57, Section 2. All benefits, protections, and rights under SCRA apply to all persons called to service in the uniformed services as defined in R.S. 29:403. This means that Louisiana law requires lenders operating in the state to comply with SCRA protections, including the 6 % interestrate cap, and allows servicemembers to enforce these rights.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I am filing an emergency expedited complaint against USAA Bank for a severe violation of the Electronic Fund Transfer Act ( Regulation E ) and NACHA operating guidelines, which has caused immediate, extreme financial hardship. On Monday, XX/XX/XXXX, I noticed a catastrophic billing error pending in my checking account : an unauthorized ACH debit pull from XXXX XXXX for exactly {$28000.00}. I immediately contacted USAA while the item was still in " pending '' status. USAA initiated formal dispute case number XXXX and a stop payment, but frontline management stated they could not manually block the authorization hold. On Tuesday, XX/XX/XXXX, USAA failed to intercept the file, allowing the {$28000.00} transaction to officially post to my account. This has forced my checking account thousands of dollars into the negative, completely freezing my daily access to my personal funds and incapacitating my household. When escalated to a USAA phone supervisor today, management flatly refused to provide an emergency provisional or administrative credit to restore my balance. Furthermore, the supervisor stated that because I was citing Regulation E, I needed to " come back with a legal representative, '' effectively refusing further consumer dispute handling. Under Regulation E, USAA is required to investigate error resolutions. Leaving a member 's primary account overdrawn by over {$28000.00} due to a known, timely-disputed corporate glitch is an egregious compliance failure. USAA was explicitly penalized under a XXXX CFPB Consent Order for precisely this type of systemic failure regarding oral stop payments and Regulation E dispute mishandling. I demand that USAA immediately issue an emergency provisional or administrative credit to restore my available balance today while they execute the ACH Reclamation/Return file to claw back the funds from the originating merchant.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist bank closed my account without notice by email, letter, I have been banking with them for sometime now. I can't log in my account. I was told by a representative when I call that my account was closed because I owe a maintenance fees for {$24.00} which left my account in the negative. I contact this bank through you guys before to have these monthly fees waived because I'm on low income because I'm disabled I can't afford these $ XXXX monthly fees constantly. They waive these fees for sereval months then out of the blue they started back charging these fees. When they waive these fees this suppose to been a permanent thing on my account because of these ppl charging me these fees they left my account in the negative then want to close my account when I can't pay these ridiculous 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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My original report got nothing done. There were many many charges to my credit card from XXXX. Over {$2000.00}. The card company claims they were legit charges because they claim the chip card was used. I was not in XXXX. I reported to Experian who said they would look into it. All they did was send me a detailed credit report. I have gotten nowhere since. Can't get anyone to 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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX tickets on XXXX XXXX, charged to my AA Citibank XXXX for {$3000.00} each. My spouse and I flew one sector of that trip, from XXXX to XXXX ( via XXXX, XXXX ) on XXXX. We were scheduled to fly back to XXXX on XXXX, however due to the XXXXXXXX XXXX XXXXXXXX XXXX cancelled our flights. We received an email from XXXX regarding this and had to make alternate arrangements to get back home. Neither XXXX or XXXX XXXX offered any refund information at that time. We had to purchase new XXXX way tickets on XXXX XXXX to get back home. Once we returned I opened a dispute on my XXXX account at Citi Bank regarding those XXXX purchases. I requested that XXXX refund half the cost of each ticket- {$1500.00} per ticket. I made the first contact about this dispute with CitiBank on XX/XX/XXXX. On XX/XX/XXXX Citibank sent a letter telling us that XXXX had issued a credit for the disputed amount of {$1500.00} for only XXXX ticket. On XX/XX/XXXX Citibank sent a letter telling me that XXXX claimed that the service was provided so they could not issue the credit of {$1500.00} for the second ticket. My spouse and I flew together and that claim was untrue since the airline cancelled our flights. I contested that claim with Citi again on XX/XX/XXXX and they told me the dispute investigation team would look into the issue and contact me if needed. I never heard from them and on XX/XX/XXXX CitiBank sent another letter saying they could not reach me via phone so they have closed this case. I contacted them again on XX/XX/XXXX but they said the case is now over 6 months old so they XXXX not reopen it. That is unfair because I have been disputing this since XX/XX/XXXX. My spouse and I both did not fly back home from XXXX on XX/XX/XXXX via XXXX XXXX, The airline cancelled our flights. They issued a refund XXXX ticket but not the other. Therefore I am due a refund.

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 2026-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan of XXXX sent me a live check days before XXXX of XXXX, a check in which I did not apply for. Though I cashed the check because I needed the money at the time, the was no repayment terms on the check. The check was for XXXX and they billed me XXXX monthly and I made all payments on time until I reached the XXXX mark. This company then sued me in court for interest money that was NOT disclosed upon receiving the check. A predatory 25 % interest rate was charged but I believe if they would have actually performed a credit check i could have received a better interest rate than that. This company failed to determine my ability to repay the loan, failed to perform a credit check or employment verification. This is a loan I did not apply for. I paid them the money back and their employers have called me many times harassing me about the interest. This item was placed on my credit report and have been negatively affecting my credit for years leading to being denied for affordable loans. Tower Loan have been sued by XXXX XXXX in a class action suit for deceptive practices. This was predatory as they failed to disclose repayment options or gave me the option to pay the balance in full without interest. Though they have charged this account off and wrote it off, they are still reporting and incorrect balance on my credit report. This has caused alot of emotional distress.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year> XXXX financial withdrew {$220.00} from my account unauthorized. I called XX/XX/year> to file a dispute with citi bank for this charge. I reached out to the merchant and the back regarding this. Citi advised me after 10 days if they are unable to come to a decision they would issue a provisional credit. I have reached out to citi bank numerous times even after the 10 days no credit has been issued along with no updates on the dispute. I called on day 12 after being told to give it a few more days and still no updates. As of XX/XX/year> still no provisional credit issued and no updates on the case. I have reached out to citi over 10 times and they say they will send a message but that is all they can 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 explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
I have been getting constant calls in regard to a loan and setting up a payment plan, i recently tried to ask for letter of validation of original debt and the representative on the phone spoke over me and hung up the call.

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 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX I disputed this XXXXXXXX XXXX account with TransUnion on XX/XX/2026. On XX/XX/2026, TransUnion marked the account as verified and accurate. I sent a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX request to TransUnion by certified mail on XX/XX/2026. On XX/XX/2026, TransUnion mailed me XXXX response that included XXXX, XXXX, and XXXX. XXXX was not included anywhere in the report, and TransUnion did not address my XXXX request. ( For context, I sent XXXX separate XXXX letters via certified mail, XXXX, XXXXXXXX XXXX XXXX XXXX so that each account would be given the attention it deserved. ) They did not provide : The method of verification the name of the person or entity who verified The documents used the furnishers contact information any reinvestigation results This means TransUnion did not reinvestigate the XXXX account and did not comply with FCRA 611. XXXX and TransUnion have not : Contacted me in any way Provided validation Provided any documentation Provided an itemized accounting Provided proof of ownership or assignment Provided evidence of the amount owed Despite providing no communication and no documentation, TransUnion continues to mark the account as verified and accurate. This is not verification. I am requesting CFPB review because neither the furnisher nor TransUnion has validated the account or responded to my dispute in any way, and TransUnion failed to reinvestigate the item as required by law.

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 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-23 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
In XX/XX/year>, I suffered a fraudulent convenience check charge of {$2700.00}, which Barclays acknowledged and removed. However, they failed to remove the associated {$130.00} balance transfer fee despite promising to do so on XXXX separate calls. Because of their internal delay, late fees and interest accrued on this fraudulent fee, totaling {$92.00}. On XX/XX/year> customer support assured me this would be wiped in XXXX hours. I requested this be confirmed in writing, which they declined to provid. It was not wiped, and the account is now closed but collectors/automated systems are still harassing me for {$92.00} stemming entirely from a fraudulent transaction.

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 2026-06-23 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: FL

Complaint narrative:
In XXXX of 2025, {$6500.00} was charged as fraud on my CITI credit card, from XXXX. I immediately called to inform them and the person I spoke with said, " Yes, they see this all the time at XXXX. '' They alluded to the fact that it was under review, each time I called in the successive XXXX months, however, this HAD NOT resolved fully. It did not get resolved in the allotted XXXX billing cycles. I DID not charge $ XXXX. Not only is this not resolved, but I am also getting charged interest on this amount each 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 monetary relief