vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am submitting a formal complaint regarding a promotional bonus denial by Regions Bank related to a new checking account opened on XX/XX/year>. I opened the account in good faith with the intention of participating in an advertised promotional offer. On XX/XX/year>, I enrolled in the promotion associated with the account. I was later informed that eligibility required enrollment prior to account opening, resulting in denial of the promotional bonus. I understand the stated policy requirement. However, I am requesting review of this matter due to the circumstances involved, including the very short time between account opening and enrollment ( two days ) and my clear intent to participate in the promotion at the time the account was opened. Additionally, I am a returning customer, and the promotional structure and timing created reasonable confusion regarding enrollment sequencing and eligibility interpretation. I attempted to resolve this matter directly with the branch and through official bank communication channels. The bank has confirmed that no exception can be granted and that no further assistance is available at that level. At this point, I am requesting an independent review to determine whether a goodwill adjustment or exception is appropriate based on the facts and timing involved. If the decision is upheld, I request a clear written explanation detailing XXXX XXXX The specific policy basis for denial as applied to my account XXXX Whether any discretionary or goodwill review was conducted XXXX The final authority responsible for the decision I am seeking a fair and transparent resolution consistent with consumer protection standards.

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 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND WAS REPORTED IN ERROR. I HAVE NEVER OPENED, AUTHORIZED, OR HAD ANY AFFILIATION WITH THIS ACCOUNT. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF IT CAN NOT BE VALIDATED WITH COMPLETE AND LEGITIMATE DOCUMENTATION, IT MUST BE REMOVED IMMEDIATELY.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint regarding Citibank 's refusal to provide a XXXX reversal of a Returned Check Fee despite multiple attempts to resolve the matter directly through customer service channels. I have a Citi XXXX XXXX XXXX account. On XX/XX/XXXX, Citibank assessed a XXXX Check Fee of {$23.00} after an automatic payment attempt was made using an old Citi checking account that had previously been closed. Prior to this incident, I had updated my payment information to use my TD Bank account for payments. I had no intention of making a payment from the closed Citi checking account. The use of the closed account appears to have been an unintended oversight rather than a deliberate failure to make payment. Since XX/XX/XXXX, I have contacted Citibank multiple times through both online chat representatives and the credit card customer service telephone line to request a one-time goodwill reversal of this fee. Despite these repeated efforts, I have been unable to obtain a resolution and have received inconsistent responses regarding whether the fee can be waived. I am not disputing that the payment attempt was returned. Rather, I am requesting that Citibank review the circumstances surrounding this isolated incident and provide a one-time XXXX adjustment of the {$23.00} Returned Check Fee. I have made good-faith efforts to manage my account responsibly and to resolve this issue directly with Citibank before filing this complaint.

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 2026-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA is stating I owe over {$3000.00} for car insurance debt. When my policy was about to renew I switched car insurance to XXXX because of the increase in premium. I should not be responsible for this debt because I had insurance with XXXX and no longer with USAA. Two insurance companies can't cover one vehicle and I notified USAA of this change. This was during the pandemic and USAA was short staffed and I was told it would be updated. I have been dealing with this for years now and no one seems to care so even asked for a statement and for USAA to contact XXXX and hey refused instead keep trying to collect over {$3000.00} from me. Tow years ago they stated I owed {$1700.00} now it has jumped to over {$3000.00}. I am requesting f for a full investigation and this debt be completely cleared because I don't owe USAA for car insurance premiums. Apparently someone was not doing there job I get it, it was extremely crazy during the pandemic.

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 2026-06-16 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: MN

Complaint narrative:
IM IN DISAGREEMENT WITH THE ACCOUNT LISLED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUST TO MY CREDIT SCONE. XXXX XXXX XXXX XXXX XXXX XXXX / {$1600.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506 TITLE VI SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADRESSES OF EACH INCLINIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2026-06-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has illegally seized a post-bankruptcy merchant refund of {$1500.00} from Wayfair to pay down a pre-bankruptcy credit card balance. This credit card account was fully closed and the balance was legally discharged in my XXXX bankruptcy case. On XX/XX/XXXX, a Citibank manager explicitly told me on the phone that they were keeping the money because it was a " merchant credit '' being applied to the old balance. The manager even stated on the recorded line that this was an " attempt to collect a debt '' before quickly trying to retract her statement. This is a direct violation of the permanent discharge injunction under 11 U.S.C. 524. Citibank can not legally confiscate a post-discharge consumer refund to offset a debt that was legally erased by a federal court order.

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 2026-06-16 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: FL

Complaint narrative:
To formally request that you cease and desist all communication with me regarding the above-referenced account. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to stop contacting me after receiving this written notice. Specifically, I am requesting that you stop all telephone calls, letters, emails, and any other forms of communication to my home, my workplace, or any third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have provided a valid, legally binding court order naming me executor/administrator, and Bank of America is unlawfully withholding estate funds.

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 2026-06-16 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I provided the merchant REST CALIPSO my credit card at checkout in XXXX XXXX. When the bill/receipt came out to sign, I noticed that the amount charged ( {$1200.00} ) was incorrect. I requested an itemized receipt which they refused to provide and subsequently decided to remove me from the premise instead of resolving the payment. Immediately after the situation, I cancelled my credit card and reported it as fraud. On XX/XX/year>, a Barclays US ( credit card bank/issuer XXXX representative called me to investigate and confirmed that I physically gave my credit card to the merchant. On XX/XX/year>, Barclays denied my fraud case since I was present at the time of the transaction. Barclays then changed my claim from a fraud claim to a disputed amount claim. On XX/XX/year>, Barclays denied my disputed amount claim stating since I was present that I authorized the charged amount. I did NOT authorize the {$1200.00}, as I refused to sign the receipt and the merchant failed to provide an itemized receipt. On XX/XX/year>, I appealed the ruling to the office of the president at Barclays, via a written letter and delivered by certified mail. I specifically requested Barclays to continue the investigation and to request the receipt from the merchant. On XX/XX/year>, a Barclays rep called me confirming the arrival of the appeal letter and that they would look into the matter further. On XX/XX/year>, I received a denial email from Barclays stating the same reason for denial of the dispute of being present during the time of the transaction. It does not seem like they investigated further and just reviewed the previous statements. They did not provide any new information with regards to the investigation to justify the denial of the appeal. It is unknown if they ever requested the receipt from the merchant. It does not seem that they performed a chargeback with the merchant. On XX/XX/year>, I called the office of the president to get an explanation of the decision. No one picked up and I left a message for a call back. Their system stated I should get a call back within XXXX hours, which I never received. On XX/XX/year>, Barclays posted an interest charge on my account in the amount of {$13.00}, which should not have been incurred during the time of the dispute. On XX/XX/year>, I called for further assistance and was on hold for over XXXX hour and XXXX minutes without ever reaching a representative.

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 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX affecting my XXXX XXXX and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

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 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX XXXX, yes you read it right. Ive sent my dispute letters for how many moths now and despite my repeated efforts to address these inaccurate accounts, they are still being reported on my credit file. Ive spent a lot of time researching consumer laws and trying to understand the proper steps to remove these accounts, and the entire process has been very stressful and mentally exhausting for me. So please, for the sake of my mental health, read the letter Ive attached and delete the inaccurate accounts immediately. thank you FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello, I opened an M & T Bank EZ Choice Checking account on XX/XX/XXXX. The account offer at the time was, receive a $ XXXX direct deposit within 90 days to receive a {$300.00} bonus. Promo code was XXXX. I went ahead and did the qualifying transaction and I received a {$100.00} bonus instead of the promised {$300.00} on XX/XX/XXXX. I called the bank the following day and they told me that I would need to go to a branch and they will take care of this issue for me. I went to the branch and the lady helped me to file a claim with the bank and she told me that they will reach out to her in a week. She told me to not worry that they will apply the remaining {$200.00} to my account. This was on XX/XX/XXXX. Fast forward to a week later, I called the branch and they told me that they are still working on it. Finally, on XX/XX/XXXX, I called once again since I havent heard back and they told me that unfortunately they are not able to process the remainder of the bonus. They didnt explain why and they told me that I can close the account if I wanted to. I am just asking for them to issue the remainder of the bonus that was promised. I have attached a screenshot of the offer.

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 2026-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX Fair Collections & Outsourcing INC . XXXX XXXX XXXX # XXXX XXXX MD XXXX XXXX XXXX XXXX Hi XXXX XXXX XXXX, TX XXXX Attn : Property Manager and Legal Department RE : Apartment # XXXX Formal Dispute and Request for Resolution To Whom It May Concern : I am writing regarding Apartment # XXXX and the balance that XXXX XXXX claims is owed. Since vacating the apartment, I have made numerous good-faith attempts to resolve this matter directly with XXXX XXXX and its collection agency. My goal has always been to reach a fair resolution without the need for further disputes or damage to my credit. Timeline of Events : After moving out, I disputed the amount claimed by XXXX XXXX and requested supporting documentation regarding the charges. I made a settlement offer of {$740.00} in an effort to resolve this matter fairly and avoid further disputes. On XX/XX/XXXX, I sent a written dispute and request for documentation. On XX/XX/XXXX, I sent a second written dispute and follow-up request. On XX/XX/XXXX, I sent an additional written dispute and debt validation request. All correspondence was sent by Certified Mail, and I retained copies of all letters and mailing receipts. During the last six months, neither XXXX XXXX nor XXXX Collections & Outsourcing provided a meaningful written response, supporting documentation, tenant ledger, proof of damages, proof of mitigation, or a response to my settlement offer. Despite my repeated efforts to resolve this matter, the account has now been reported to the credit bureaus. As a result of this reporting, my credit score has been negatively impacted and I have experienced difficulty obtaining housing. This reporting has caused significant financial hardship and has interfered with my ability to secure a place to live. Additionally, it is my understanding that Apartment # XXXX was re-rented and occupied by another tenant after I vacated the property. If the unit was re-rented, Texas law requires mitigation of damages, and rent can not be collected from multiple tenants for the same rental period. I again request the following : A complete tenant ledger. An itemized accounting of all charges. Documentation showing the date Apartment # XXXX was re-rented. Documentation showing all credits applied to the account. Written consideration of my settlement offer of {$740.00}. I remain willing to resolve this matter in good faith. However, after six months of unanswered correspondence, I respectfully request immediate review of this account and a written response within fifteen ( 15 ) days. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : 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 2026-06-16 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: CT

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 2026-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
: " USAA is withholding my funds and refusing to reissue a check. They are denying all alternative methods of identity verification, effectively freezing my money without due process. I have escalated to the Office of the CEO and was denied assistance. '' I explained to them my driver 's license is expired. My appointment at XXXX is next month. I can't do a verification using that method. I suggested a consumer record verification and they refused. I think its ridiculous that they would mail out a check to a former member of theirs without being confident that the person they mailed th e check to is actually the former member. Which is the problem here. They mailed a check to me, which went to a former residence last year XXXX. I just received a letter last week that there's a check that need to be cashed belonging to me. No check was in rhe envelope. I called to have it reissued and was met with a ridiculous amount of people showing a concern for security measures. Which they didn't give a damn about when the check was mailed out to some stranger. I've spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. All claiming to be the top level executive that will not help the consumer with this small matter of Identity Verification. That this have to be escalated in this matter. That amount of people I spoke to, has demonstrated the lack of concern, the amount of lies, and the amount of wasted man hours one company can do and be comfortable at doing it. Why? Because no one is holding them accountable to true professionalism and character that the bank8ng industry was built on. Aside that. I need my money. Would you 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