vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate collection account being reported by TransUnion. The account is from XXXX XXXX XXXX XXXX for XXXX XXXX in the amount of {$410.00}. XXXX XXXX XXXX previously responded to a CFPB complaint on XX/XX/year>, stating that the account had been withdrawn and that they had resubmitted deletion requests to the credit bureaus. They instructed me to allow XXXX days for the removal to be reflected on my credit reports. More than XXXX days have passed, and TransUnion continues to report this account as open and placed for collection. I have attempted to resolve this issue, and I am attaching the response from XXXX confirming that the account was withdrawn and that deletion requests were submitted. TransUnion is continuing to report inaccurate information despite the furnishers representations. I request that TransUnion conduct a reasonable investigation under the Fair Credit Reporting Act and remove this inaccurate collection account from my credit report. I also request an explanation as to why the account remains reported after the furnisher advised that it had been withdrawn and deletion requests had been submitted.

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: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
My credit report is showing multiple accounts that I did not open, authorize, or have any relationship with. These accounts appear under several financial institutions, including XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. As stated in my FTC report, this inaccurate information is negatively affecting my credit profile and the accounts listed were not opened or authorized by me. These entries are incorrect, do not belong to me, and are creating an inaccurate and harmful representation of my credit history.

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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was targeted by a phone phishing scam where bad actors impersonated XXXX XXXX XXXX customer service. The scammers manipulated me into giving them my Citi credit card number and a verification code, which they immediately tried to use to purchase cryptocurrency via XXXX. They also attempted to solicit my Social Security number, at which point I recognized the scam and terminated the call. I immediately used the Citi mobile application to lock my credit card and requested a permanent card replacement. I am filing this report to document the fraudulent attempt on my account and to confirm that I successfully locked the account before any unauthorized transactions could post or settle.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their refusal to reimburse an unauthorized transaction of {$290.00} that occurred on XX/XX/year>, at approximately XXXX XXXX. On XX/XX/year>, I visited the Wells Fargo ATM located at XXXX XXXX XXXX, XXXX, NJ ( ATM ID XXXX ). I intended to make a deposit ; however, the ATM indicated that the deposit service was unavailable. After completing my attempted transaction, I left the ATM believing my session had ended correctly. Subsequently, an unknown person performed a {$290.00} transaction that I did not authorize. I reported the incident to Wells Fargo as soon as I became aware of the withdrawal and filed a formal claim. Wells Fargo denied my claim in a resolution letter dated XX/XX/year>, regarding claim number XXXX. The explanation provided by Wells Fargo merely states that the card was in my possession, the transaction was validated via chip, and it occurred within my geographic area. However, the investigation fails to address my main allegation : that the ATM apparently did not close my session properly, allowing a third party to use the machine immediately after I left. I request that Wells Fargo provide the ATM 's electronic records, including the session event sequence, the exact time the session closed, and the time of the disputed transaction. I also request confirmation as to whether they reviewed the security footage from ATM ID XXXX and an explanation of how they determined the session ended correctly prior to the disputed transaction. I respectfully request that the CFPB require Wells Fargo to reopen the investigation and re-examine this case. Attached is the denial letter issued by Wells Fargo and any other documentation related to 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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for and was approved for the Citi XXXX XXXX XXXX on XX/XX/year>. At the time of my application, the card was advertised with a 0 % introductory APR on both new purchases and balance transfers for 15 months from account opening. This promotional offer is widely documented across Citi XXXX own marketing materials and third-party financial review sites. After receiving my card, I contacted Citi customer service to confirm my account terms and was told that I do not qualify for the 0 % introductory XXXX on new purchases only on balance transfers. No explanation was provided for why my account terms differ from the advertised offer, and no modified terms were clearly communicated to me at the time of approval. When I attempted to escalate this issue by phone, Citi customer service informed me there was no one to transfer me to, leaving me without any recourse through their standard support channels. The 0 % introductory APR on purchases was a material factor in my decision to apply for this card. Had I known my account would not include this benefit, I would have chosen a different financial product. I have not yet been charged interest, and I am filing this complaint proactively to have this issue resolved before any charges accrue. Desired resolution : I am requesting that Citibank apply the 0 % introductory APR on new purchases and balance transfers to my account for 15 months from my account opening date of XX/XX/year>, consistent with the terms advertised at the time of my application.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was given a prepaid gift card to use. When I tried to activate the card using the web site on the card, it gave a fail. I tried multiple times with same issue. Then, I called the number on the card and got same result. I finally got to a live person and said I have issue with activating the card. I was told to fax in photos of the card as well as my driver 's license. I asked this is a prepaid card, so why I need to send in personal information and was told it's required. I went online and search for this web site and a saw flood of complaints exactly as mine. Many people said to file a complaint with this site and got the company to issue a working prepaid card. There is no way I'm sending in personal info for something that is not associated with my name. Please help. Thank you.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: OH

Complaint narrative:
Account XX/XX/XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account with XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
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 — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Have a closed out credit card with Navy Federal Credit Union. They went into my account unauthorized and took {$1100.00} from my account. When I called to speak with someone they told me that they couldnt return my funds back to my bank account. They never gave me a chance to set up any payment arrangement or anything on the account and Ive spoken with them on numerous occasions. The person I spoke with told me that they could only give me back half of my {$1100.00} and I explained to him that no, they need to return all of my money because it was unauthorized.

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: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
There was a promotion in XXXX for getting a {$400.00} bonus from Wells Fargo, for opening a checking account. The terms were to have direct deposit and bill pay for XXXX days and you receive the {$400.00} bonus. I immediately went to Wells Fargo app, and opened the checking account. I called more than XXXX days later because I did not receive the bonus. I went back and forth with the person. They sent me a letter, saying I am ineligible for the {$400.00}, because I did not use the link. I didn't know I had to, I immediately went to the Wells Fargo app and opened a checking account thinking I was all good. I feel disappointed that they are saying I had to use this link, even though all of the eligibility metrics were met by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 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: IL

Complaint narrative:
I received a fraud alert message on Sunday, XX/XX/XXXX about suspicious activity on my card. I responded to the message that the charges were fraud, locked the account, and requested a new credit card. The charges posted were from XXXX XXXX XXXX in XXXX, XXXX. During this time, I was in XXXX, Michigan with the physical card. Before these charges, I had not made any purchases on this credit card in multiple years. I confirmed that I have never made any payments or transactions with the merchants related. The company called to gather additional information about one week after, and then I did not receive any further communication. I continued checking my account online, and eventually saw that the dispute status had been marked " resolved- customer responsible. '' I immediately called Citi bank, asked that the case be reopened, and they said it would be. I continued checking and there was no status change. I called again and this time was told that they investigated that the card had been physically used for the charges. I again reiterated that was not possible. The expiration date on the card had also passed ( exp XX/XX/year> ), so none of these transactions should have been valid in the first place.The customer service representative provided me with an email to send any additional information to. I followed her exact directions and sent the initial email on XX/XX/XXXX with photos with the location showing that I was not in the state of Illinois when the charges were made and that I still had the physical card in my possession. I followed up again XX/XX/XXXX and still have not received a response. I paid the minimum amount on the statement and the representative told me it will be refunded if the charges are corrected.

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: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
I was getting a lot of fees from Netspend regarding my prepaid card. They only took all these fees out some of the time. When I brought this to their attention, they said it was a part of their terms and conditions. I told them they were not a part of their terms and conditions when I signed up for the card. They just kept reiterating it was a part of their terms and conditions without showing me for a fact that they were. They took over {$100.00} out of my account in XXXX month ( the month of XX/XX/year> ) and then told me the times they didn't take the fees were only when there wasn't enough money to take the fees, but still allowed the money to go through or transfer to another account of mine. So I asked them if they get to choose when they take the charges ; they don't actually have to take them, and they basically said, " That's neither here nor there ''

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargo 's denial of my fraud claim involving a {$1000.00} XXXX transaction. I received a phone from an individual who represented themselves as a Wells Fargo representative. The call appeared to originate from a Wells Fargo phone number, which reinforced my belief that I was speaking with the bank. During the call, I was informed that there was an issue involving my account and was instructed to send {$1000.00} through XXXX as part of a purported account protection or verification process. Relying on the caller 's representation that they were a Wells Fargo employee and the fact that the call appeared to come from a Wells Fargo number, I followed the instructions provided. I later discovered the caller was a scammer who had impersonated Wells Fargo and used deceptive tactics to obtain my funds. Upon learning that I had been defrauded, I immediately contacted Wells Fargo and reported the incident. I also filed a police report and provided supporting documentation. Despite these circumstances and evidence demonstrating that I was the victim of an imposter scam, Wells Fargo denied my claim and refused to reimburse the {$1000.00} loss. I am requesting that Wells Fargo fully review this mater, provide a detailed explanation of its investigation and denial and reconsider reimbursement. The transaction occurred only because I was deceived by an individual falsely claiming to represent Wells Fargo and using a phone number that appeared to belong to Wells Fargo. I respectfully request assistance in resolving this matter and ensuring that Wells Fargo has adequately investigated the fraud 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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I was due to close on a home in XXXX of XXXX. Prior to being approved you must put homeowners insurance in place. I contacted XXXX XXXX for a quote and sent the information to my mortgage company. I never signed or bind the policy. My loan was ultimately declined for financial reason. I submitted my denial letter to XXXX mutual as requested. I was under the impression it was squared away. A few months later I was able to obtain financing through another lender and found insurance from another insurance company. I closed on my home on XX/XX/XXXX. XXXX mutual sent the file to collection subsequently lowering my XXXX XXXX when I did not own the home at the time of delinquency. They did not take a loss and the property was owned by someone else at the time they are stating that I owe for. I have not been able to obtain additional credit because of the poor rating on my credit. I never even spoke to anyone on the phone to bind the policy

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: OH

Complaint narrative:
We have held this VA mortgage since XX/XX/XXXX -- XXXX and a half years -- with a perfect payment history. In XX/XX/XXXX I contacted LoanCare seeking mortgage assistance because our home was declared permanently uninhabitable following a chemical contamination event in XX/XX/XXXX and we wanted to see if we could reduce the payment because it had been declared uninhabitable. A LoanCare representative told me that to qualify for loss mitigation, I was required to fall behind on the mortgage to demonstrate hardship. I followed those instructions. Between XX/XX/XXXX and XX/XX/XXXX I submitted XXXX written notices to LoanCare requesting that derogatory credit reporting be suspended during the active loss mitigation review period. LoanCare did not respond to a single one. Multiple representatives told me by phone that reporting during loss mitigation is standard procedure. In XX/XX/XXXX, a LoanCare representative reviewed our account and informed me for the first time that we had been directed into the wrong program entirely. Our situation called for a refinance, not loss mitigation. He cancelled the incorrect repayment plan that had been placed on our account that change is documented in LoanCare 's system. Within XXXX weeks I paid the entire past-due balance, over {$3000.00}, despite severe financial hardship. LoanCare also failed to add any hardship notation to either borrower 's credit file during the active review period. As a result, my husband 's XXXX score dropped XXXX points and mine dropped over XXXX points. We were denied a rental property as a direct result. We now can not qualify for the refinance LoanCare 's own representative told us we should have pursued from the start. I am requesting removal of all derogatory late payment marks from both borrowers ' credit reports, retroactive to the date the loss mitigation application was submitted in XX/XX/XXXX. A formal FCRA dispute letter was mailed certified mail to LoanCare on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am unable to enroll in XXXX with another bank because my phone number and email remain associated with a restricted/closed Citibank account XXXX I contacted XXXX, XXXX XXXX, and Citibank multiple times. XXXX confirmed that Citibank is the institution holding the XXXX enrollment. XXXX XXXX confirmed there are no issues on their end. Citibank representatives informed me that they can not remove the XXXX enrollment and stated that my phone number and email will remain permanently tied to the closed/restricted account. As a result, I am unable to use XXXX with another financial institution using my own phone number and email. I am requesting that Citibank release the XXXX enrollment or provide the specific policy that prevents my phone number and email from being released after account closure. I am not requesting that the account be reopened. I only want my phone number and email released so I can use XXXX with another bank.

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