vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information appearing on my credit report regarding an eviction-related account and the reported lease balance of $ [ XXXX ] associated with [ XXXX XXXX/pro collect ]. The account is being reported as a debt owed from an eviction/lease agreement ; however, this matter was dismissed by the court, and there is no valid judgment or legally enforceable obligation supporting the reporting of the full lease amount as a debt. Because the eviction proceeding was dismissed, the information being reported is inaccurate, incomplete, and misleading. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reasonable investigation into this disputed information. Please verify the accuracy and completeness of the account with the furnisher of the information. If the furnisher can not provide documentation proving that this account is accurate and legally reportable, I request that the account be deleted from my credit report immediately. I request that this matter be handled promptly and that all inaccurate reporting related to this dismissed eviction and lease balance be removed from my consumer file. Thank you for your attention to this matter. I look forward to receiving written confirmation of the results of your investigation. Sincerely, 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX notified me that my account was restricted from both inbound and outbound transactions. On XX/XX/XXXX Relying on this financial notice, a domestic wire went through but was immediately trapped. Wells Fargo misled me and is now unfairly holding my new funds without allowing a reversal or withdrawal.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
Subject : Final Enforcement Request Severe Inter-Bank Clerical Standoff and Unlawful Withholding of $ XXXXDear Consumer Financial Protection Bureau , I am requesting immediate federal intervention and a compliance audit into a complete clerical standoff between U.S. Bank and XXXX XXXX . My funds totaling {$150000.00} have been held for over eight months, grossly violating the 90-day safe-harbor limits outlined under Uniform Commercial Code guidelines ( UCC 3-312 ) .The Uncontradicted Facts : XXXX XXXX Case # XXXX : XXXX XXXX XXXX XXXX Complaint Management Office issued an official letter stating that the check for {$160000.00} was successfully paid and cleared to U.S. Bank as of XX/XX/XXXX . XXXX XXXX states the check is legitimate and valid.U.S. Banks Stance ( XXXX XXXX ) : U.S. Bank is withholding the remaining balance of {$150000.00}, falsely claiming they " can not verify the funds, '' while simultaneously refusing to submit an inquiry to XXXX XXXX to verify them. U.S. Bank states they will only return the money if XXXX XXXX files a direct claim.The Standoff : On XX/XX/XXXX, XXXX XXXX XXXX explicitly stated they refuse to file a bank-to-bank collection claim because their records show the item was already paid. Furthermore, XXXX XXXX mistakenly tracked a dispute over a {$0.00} change check instead of the $ XXXXThe Violation : U.S. Bank is in possession of cleared funds belonging to me since XX/XX/XXXX. They are hiding behind arbitrary internal rules to hold my life savings hostage. XXXX XXXX is closing its investigation without executing the manual administrative routing required to resolve a closed-account ledger transfer.Both institutions are failing their regulatory duties to the consumer. I demand that the CFPB compel senior management at both U.S. Bank and XXXX XXXX to immediately coordinate an electronic ledger settlement and mail my {$150000.00} physical payout check to my verified address.Sincerely, 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for the Citi XXXX XXXX card specifically for international travel and to earn the welcome bonus. Since arriving in XXXX on XX/XX/year>, my card has been declined repeatedly due to automated fraud alerts despite the following : I set a travel alert on the app upon arrival I called Citi 7 times between XX/XX/year> ( XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) Each time I was told the issue was resolved it was not, my card continues to be declined after 1-2 transactions Multiple morning calls were dismissed with system updates, call back in 3-4 hours contradicting the advertised 24/7 hotline Fraud Supervisor XXXX confirmed on a call that this is a programmer issue she can not fix A supervisor called me to confirm the card was fixed it was declined again within 10 minutes I have been unable to use this card for the majority of my trip despite it being marketed as a travel rewards card I have documentation including call logs, declined transaction records, and written exchanges with @ XXXX on XXXX confirming these escalations.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Netspend Corporation

Complaint narrative:
My husband who was a US citizen living in the XXXX, died on the XXXX XX/XX/year>. He has an XXXX XXXX ( Netspend ) account to receive a US pension in dollars which he then used when he visited the US. On the XXXX XXXX, I informed Netspend customer service about his death and provided a death certificate. They didn't freeze his account and I sent several emails and made a phone call in XXXX and was told the issue was sent to their legal dept. I recently checked his account and nearly a XXXX dollars was withdrawn from a hotel booking in the US ( my husband was due to go over to US ). If they had frozen the account this wouldn't have happened. As his widow, I am being made beneficiary of my husband 's pensions so the money in the account is legally mine. I have recently sent another email to their customer service complaining about this and they AGAIN asked for a death cert which I have sent and I informed them that I will take legal/official actions to retrieve money and get account frozen and requested details of their legal dept .. As yet I have received no reply. Please advise what I should do next.

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 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
I believe I was taking advantage of by the dealership I purchased this car from. They did not tell me the finance charges before I signed he hid those charges from me until after I signed I bought a used XXXX XXXX the car was {$20000.00} with a {$3000.00} down payment and {$17000.00} in finances. I have paid {$7000.00} into this car debt has not changed as well as the finance charges.Im always on time with my car notes.I feel like there were some hidden charges. I'm not aware of because my debt is not going down.

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 2026-06-17 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:
This is an additional complaint to the one that I had originally started, XXXX. I have tried multiple times to get this resolved and each time I call I ask, no, actually I beg them to let me send my bank statements to show them proof that I did not receive this bank transfer in the amount of {$5500.00}. Each time they have denied my request because, " they don't need it ''. I have asked them to send me proof I have this money in my account and have been told multiple times that I am not allowed to see the proof. I finally got permission from the XXXX XXXX I have spoken to, to send proof I don't have the money they state I owe. She also, on a recorded line, agreed with me after she saw the proof I emailed that I do not have this money and this {$5500.00} needs to be removed from my credit card statement and that my credit score needs to be repaired. I am told they will reopen the case but I have not gotten proof of that either. This mess has caused my credit score drop from almost XXXX to somewhere in the XXXX. While Citi, " investigates '', this issue, they are making money off of me with the interest keeps building from the fraud. I have also called my bank, XXXX XXXX XXXXXXXX and spoken to their fraud department. They advised me that no one from Citi has reached out to investigate this fraud. I have attached my credit card statement showing the {$5500.00} charge on XX/XX/XXXX. Charge meaning, bank transfer. I have also attached XXXX bank statements during the XX/XX/XXXX time showing proof I did not receive this money of {$56000.00} from Citi, formally XXXX. Also attached is a summary of the issue and poor investigation down by Citi that I sent to Citi. If you are looking for a call to be pulled to here the conversation from the XXXX that helped me, here is that information you can request from Citi. The XXXX 's name is XXXX, from XXXXXXXX XXXX. The call date/time : XX/XX/XXXXXXXX XXXX XXXX XXXX The call lasted 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 monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had my bank info stolen for the XXXX time and needed to request a new debit card. They charged me after saying they wouldnt and I filed a complaint. They sent the debit card and told me the pin from my old debit card should work but it did not. They could not tell me my PIN over the phone and said they would mail it. I have not received the PIN and have not been able to use my debit card or access my money in XXXX weeks. I am unable to withdraw my money with my own card and they will not help me over the phone. The branch doesnt give out debit cards, Im at a loss. I need to be able to use my debit card asap.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I received an email at my old email address that said congratulation on my new jet blue credit card. I never opened this card. I called the company and they closed it and said they will investigate on their end but that was all the info I recieved. Thinking someone has my social security number so now I am not sure what to 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have currently have XXXX accounts with Wells Fargo XXXX savings, XXXX business account, and XXXX checking accounts. I deposited my paycheck on XXXX checking account which i normally dont deposit it to and now Wells Fargo XXXX holding the funds for a week saying the believe the funds wont be available. I have confirmed that the funds is available. The check comes from XXXX the funds have been released and clear on their side however Wells fargo is refusing to release my funds causing me to obtain overdraft 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Allow me online access and unblock debit card. I need to file disputes and can not see balance.

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency, upon a consumer 's request, to provide a complete and comprehensive description of the procedures used to verify disputed information during a reinvestigation. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and copies of the documentation relied upon to verify the accuracy and completeness of the disputed account. Despite this request, the agency failed to provide the required information within the XXXX period mandated by law. This failure to disclose the requested reinvestigation procedures and verification information constitutes a clear violation of 15 U.S.C. XXXX ( a ) ( XXXX ) and deprives me of my statutory right to evaluate the adequacy, reasonableness, and legitimacy of the investigation conducted. As a result, the agency has failed to demonstrate that the disputed information was properly verified in accordance with the requirements of the FCRA, calling into question the accuracy and continued reporting of the disputed 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 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I lost my job and wasn't able to keep up with my full amount of payments. I requested a payment extention on several different occasions. Which they did honor until the last extention. Which they didn't honor because after paying them 3 full payments to keep my car from being repossessed the lifted all the extensions and told me that I still owed and my car wasn't out of repossession. This is unfair and completely predatory. The Predatory Lending Elimination Act ( S.3549 ) 140B protects consumers from companies like this preying on people who are in need of their product to maintain everyday life. These companies XXXX up interest rates and have unfair, unattainable fee and guidelines, and outrageous rates. So after Ally Financial took back the extentions and kept my repossession active in XXXX of XXXX, they finally repossessed the car in XX/XX/year>. Then they ended up keeping the balance owed on my credit as well as tacking on late payments well after I didn't possess the vehicle. They ended up putting the car in an auction and sold it for XXXX. But I still owe XXXX. This isn't fair at all because I think it's unfair on how they can just do whatever they want and make these unattainable request from you when your already struggling.

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 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am requesting assistance regarding the Private Mortgage Insurance ( PMI ) on my mortgage loan. Based on the current value of my property and the amount of equity I have accumulated, I believe I may qualify for PMI removal. However, I have been unable to obtain a satisfactory resolution from my mortgage servicer. I respectfully request a review of my situation to determine whether the lender is complying with applicable laws and regulations concerning PMI cancellation. I believe I have met the requirements for PMI removal and would appreciate your assistance in ensuring that my rights as a consumer are being properly honored.

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 2026-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I am filing this complaint because Linebarger Goggan Blair & Sampson LLP is attempting to collect a debt related to towing fees that I was never given a fair opportunity to resolve. The notices regarding these towing charges were mailed to an address where I no longer lived. Because I never received those notices, I was unaware of the alleged debt and had no opportunity to dispute the charges, pay them before additional fees were added, or otherwise address the matter. I relocated from my previous residence, and my mail was being forwarded to my new address. Despite this, I did not receive any notices concerning these towing charges. I only became aware of the debt after collection efforts had already begun. I have attempted to explain that I never received the original notices because they were sent to an outdated address. Instead of investigating my concerns or providing a reasonable resolution, the company continues to demand payment for the full amount. I am requesting that the company investigate how the notices were sent, verify that proper notice was provided, and fairly review this account. I also request that any collection activity be suspended while this matter is being investigated. I believe it is unfair to hold me responsible for additional costs and collection efforts when I was never given proper notice or an opportunity to resolve the matter before it was sent to collections.

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 2026-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: TN

Complaint narrative:
I took out a loan through this company but the apr is XXXX % and I asked for a settlement offer and was told no. I am struggling to make the payments for them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was sold a payment protection plan by Navy Federal Credit Union about a decade ago. The product included protection payments to be made on my belief during periods of job loss XX/XX/XXXX, I lost my job and so I filed for a claim. They were to make payments on my behalf for up to XXXX months of my unemployment time. They made payment of {$680.00} approximately in XX/XX/XXXX. The stopped making payments after that. I reached out to bring it to their attention. They did nothing although they continued taking more money from my account still when I was unemployed. When I asked for refunds they claim its not refundable. This is daytime robbery and I need some just ice

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