vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Subject : Official Billing Dispute : CARD Act Violation and Misapplied Payment [ XXXX ] Account Details : Payment Date : XX/XX/XXXX Payment Amount : {$1600.00} Statement Minimum Due : {$0.00} Incorrect Interest Charged : {$34.00} ( Posted XX/XX/XXXX ) Dispute Details : I am writing to formally dispute the allocation of my {$1600.00} payment made on XX/XX/XXXX. On the date of this payment, my statement minimum payment due was {$0.00}. I carry two distinct balances : a 0 % promotional APR balance ( expiring XX/XX/XXXX ) and a 24 % standard purchase APR balance. USAA applied 100 % of my {$1600.00} payment to the 0 % promotional balance. Under Regulation Z of the Credit CARD Act of XXXX ( 12 CFR 1026.53 ), card issuers are legally required to allocate any payment amount exceeding the minimum payment due to the balance with the highest annual percentage rate ( APR ) first. Because my minimum due was {$0.00}, the entire payment should have been directed to my 24 % balance. The " last two billing cycles '' promotional exception does not apply here, as my promotion does not expire until XXXX. As a direct result of USAAs misallocation, invalid interest totaling {$34.00} was charged to my account on XX/XX/XXXX. Thank you for your prompt attention to this legal compliance matter.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DE

Complaint narrative:
IT HAS BEEN TWO YEARS I HAVE FILED FOR THIS TO BE REMOVED FROM MY CREDIT REPORT YOU HAVE SUPPLIED VALID PAPERWORK THAT THE LOAN HAS BEEN PAID IN FULL. GET IT OFF. NOW.

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: 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: BANK OF AMERICA, NATIONAL 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 2026-06-16 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
FCRA the company Chexsystems the information chexsystems is used causes damage Report wrong address on not verified it correct also not according to 611 ( 15 U.S.C. 1681i ) I want the information remove in delete also updated

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
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 2026-06-16 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: CITIBANK, N.A.
State: MD

Complaint narrative:
SUMMARY OF DISPUTE This dispute concerns Citibank Account XXXX XXXX and the handling of a disputed XXXX Online transaction originally posted on XX/XX/2025, in the amount of {$2900.00}. For nearly one year, I have challenged Citibank 's handling of this transaction and the resulting account balance. Citibank maintains that the matter has been resolved because a merchant credit of {$2200.00} was applied and a conditional credit was subsequently reversed. However, the actual account history shows a pattern where credits were applied and later removed or offset, resulting in the disputed amount ultimately remaining on the account balance. My position is that the disputed amount was never properly credited and retained on the account. While temporary credits appeared during the investigation process, those credits were later reversed or offset, leaving the account balance substantially unchanged. As a result, Citibank continues to report a balance of approximately {$8300.00} when I believe the correct balance should be approximately {$5600.00} after removal of the disputed amount. Because Citibank continues to include the disputed amount in the balance, the account has been reported as over limit, past due, and delinquent. These calculations are based on an account balance that I believe is inaccurate. I have continued making good-faith payments on the undisputed portion of the balance while repeatedly challenging the disputed amount. The unresolved disputed balance has resulted in : Accrued interest charges Late fees and penalties Over-limit fees and consequences Inflated minimum payment requirements Negative credit reporting Credit bureau reporting that does not accurately reflect the ongoing dispute Despite numerous disputes, letters, and complaints, including CFPB Complaint No. XXXX, Citibank continues to assert that the matter is resolved while failing to adequately explain why the disputed amount remains included in the balance and why the account continues to reflect adverse payment status. I am requesting : XXXX. Correction of the account balance. XXXX. Proper application and retention of the disputed credit. XXXX. Removal of fees, interest, and penalties attributable to the disputed amount. XXXX. Correction of all credit bureau reporting. XXXX. Proper reporting of the account as disputed. XXXX. A complete accounting of all credits, reversals, and adjustments associated with this transaction. Until these issues are corrected, I continue to dispute the balance, payment status, and credit reporting associated with this 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 2026-06-16 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: ALLY FINANCIAL INC.
State: MO

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

Complaint narrative:
" Fair Collections & Outsourcing is violating the Fair Credit Reporting Act by reporting inaccurate, conflicting data. XXXX has already updated/cleared this due to a canceled contract with XXXX XXXX XXXX yet XXXX verified it on XX/XX/year>, as an unpaid {$4300.00} collection. The collection agency can not legally report a debt as both valid/unpaid and canceled/settled at the same time. I demand this inaccurate trade line be completely deleted from all bureaus. ''

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: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I accidentally transferred {$100.00} via XXXX XXXX on XX/XX/year> to a closed, inactive account. XXXX XXXX processed the funds to a non-existent user instead of rejecting the payment. Navy Federal refuses to dispute the merchant error. The funds are currently held in a dormant destination profile, resulting in unjust enrichment. I request a manual reversal of the transaction

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Summary : Navy Federal Credit Union failed to perfect the lien on my boat loan despite receiving all required documents. Their failure prevented me from legally using the boat for nearly a month, forced me to correct the issue myself at the XXXX, and they have repeatedly ignored my written requests for clarification, escalation, and compensation. Details of the Issue : I financed a boat, trailer, and motor through Navy Federal. I provided all required documentation at the time of purchase. Navy Federal later informed me that the lien had not been perfected. I asked for clarification on when they discovered the failure, what internal actions were taken, whether my loan was considered secured or unsecured, and when the perfected title would be issued. None of these questions were answered. Navy Federal mailed Manufacturers Statements of Origin ( MSOs ) to me instead of processing them, lost or failed to receive documentation for the motor, and repeatedly sent boilerplate responses that did not address the actual issue. Their own communications confirm the loan is currently unsecured due to their failure to perfect the lien. Because the lien was not perfected, I was unable to legally use the boat for nearly a month. I ultimately had to go to the Florida XXXX myself and file for a lost title so I could legally use the boat I have been paying for. This was work Navy Federal should have completed. Harm Suffered : Lost use of the boat for approximately one month Interest paid during a period when the asset could not be legally used Time and expense required to go to the XXXX to correct Navy Federals error Repeated delays and nonresponsive communication Stress caused by Navy Federal stating the loan may convert to an unsecured APR due to their own failure Attempts to Resolve : I requested : Reimbursement of interest paid during the period the lien was not perfected Compensation for documented financial losses A written explanation of the claims process and timeline A direct point of contact or supervisor Navy Federal has not addressed any of these items. They continue to send generic responses and automated letters that do not acknowledge their error or my requests.

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 — Fee problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to dispute a series of undisclosed international ATM transaction fees charged by Wells Fargo while I was traveling in XXXX. When utilizing local ATM terminals in XXXX, the physical machine screens and the printed receipts explicitly stated that the total transaction fee was XXXX XXXX ( approximately {$1.00} USD ). There was absolutely no disclosure on the terminal or the receipts that Wells Fargo would be applying a backend {$5.00} international ATM penalty and a 3 % surcharge to every single withdrawal. Because the terminal actively hid the final cost of the transactions, I was severely misled and made multiple smaller cash withdrawals instead of one large one. Had the true fees been transparently disclosed at the point of sale, I would have changed my financial behavior immediately. I contacted Wells Fargo customer service from abroad to resolve this. While a front-line supervisor provided a partial courtesy refund for two of the fees, my request for a full refund of the remaining undisclosed fees was denied. Wells Fargo opened an internal corporate complaint under Complaint ID : [ XXXX ], but I have since received an official communication stating they refuse to take further action.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
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 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: 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: I.C. System, Inc.
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 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inquiries appearing on my credit report that I do not recognize and did not authorize. These inquiries may have negatively impacted my credit profile and credit score, causing potential harm to my financial standing. I previously contacted your agency regarding these disputed inquiries and was advised that they would be investigated and removed. However, despite those assurances, the inquiries continue to appear on my credit report. Their continued presence raises serious concerns regarding the accuracy of the information being maintained in my consumer file.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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: ID

Complaint narrative:
When I first received the credit card, I called to activate it. The representatives I talked to informed me that they could not activate the credit card. When I asked them to close the account in that case, they informed me they couldnt help me with that either. Now I have received a bill with an annual fee, which I will not be paying since I was never even able to use the card, activate it, or close it. I would like to request once again that my account be closed with a XXXX XXXX balance, waiving the annual fee. I tried to call the Citi phone number on my bill just now and due to the failure of the voice recognition system, I could not even speak to a representative about this issue.

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: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to get my {$20000.00} paid back to me ( or to my wife ) as soon as possible. Please help me as what the banks have done to me is unfair and unreasonable.

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 collection account does not belong to me and I do not recognize it. I request the immediate removal and deletion of this account from my credit report.

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