vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 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: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 non-monetary relief
Consumer complaint received 2026-06-12 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
* '' I am filing a formal complaint against Wells Fargo for a violation of the Fair Credit Billing Act ( FCBA ) and Regulation E regarding a completely unauthorized, fraudulent cross-border transaction of {$1200.00} USD on XX/XX/year>. Wells Fargo has summarily denied my fraud claim without conducting a proper investigation. I have ironclad, indisputable evidence that this is a 'ghost terminal ' card-cloning scam : The payment processor listed on the charge ( XXXX XXXX, XXXX XXXX XXXX ) has stated in writing that the transaction ID does not exist in their network. The physical merchant where I was at that exact hour ( XXXX XXXX XXXX XXXX XXXX ) has provided written confirmation from their official ledger proving that my actual rental was paid entirely in CASH ( {$900.00} XXXX ). My card details were illicitly obtained and used for a completely unauthorized {$1200.00} USD charge. Wells Fargo is refusing to honor federal consumer protection laws, and their management team has failed to return my calls. I demand a full reversal of this fraudulent charge. " *

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I discovered that my Wells Fargo bank account had been placed into a dormant status. Despite the account being inactive and providing no services, I was charged a total of {$85.00} in monthly service fees. When I contacted Wells Fargo to dispute these charges, they agreed to refund only {$30.00}. Furthermore, I was not provided with any prior notice regarding service fee changes via my primary contact channel, which is email. My account remained in a dormant state while these fees continued to accrue. On XX/XX/year>, a Wells Fargo representative informed me that they would not refund the remaining balance of the fees. I am requesting a full refund of the {$85.00} in service fees, as I do not believe it is equitable to charge for services on an inactive account, particularly without proper notification.

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 2026-06-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove ; XXXX XXXXXXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX date ; XXXX XXXX XXXX, Remove late payment ; XXXX XXXX account 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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I mobile deposited a check in my checking account on XX/XX/year> that was from my XXXX. On XX/XX/year> my account showed {$300.00} of funds were available. On XX/XX/year> the remaining balance was available. Later that same day I received a notification that my account was froze/locked. I called the number provided and after being on hold for XXXX minutes they stated they need to verify the deposit and put me on hold. While I was on hold the bank proceeded to call my XXXX, whose name is similar to my XXXX, trying to confirm the check. My XXXX stated no he hadn't sent me anything, because he hadn't. After she came back on phone I tried to explain to her that they called the wrong person and I don't know how they even got my brother 's information. She said there was nothing more she could do and call was disconnected despite me trying to explain to her that all my money was in that account. I reached out to my XXXX and XXXX and had both to call bank which was ridiculous. I called bank back and sat on hold for another XXXX minutes to tell them that my XXXX and brother had called to verify. She stated that they would need to call again to a different number. This whole situation is ridiculous. I don't know how they got the number to call that they did and why after funds were released did it need to be verified.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hey hello, Im XXXX so back in like XXXX I received a text of a job offering, I was unemployed and took that offer it was about advertising XXXX basically they were telling me that I had to go to this place they had given me once i received a check from them to get the logo XXXX on my car basically advertising it and driving around. And it didnt seem fake or suspicious because of the way they were telling me about it. but once I received that check I put it into my Wells Fargo bank account and it got returned and due to that my account got closed without me even knowing. I dont know or ever knew where to report this Im not sure if Im in the right spot for this but please help. I would never try to put a fake check and that check just got sent back which I never received anything.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Hello My Name Is XXXX XXXX I Had a XXXX XXXX XXXX CARD ( FNB OMAHA ) I HAD XXXX LIMIT I HAD THE CARD ALREADY SINCE XXXX AND I Woke 2 days ago and I received mail to my home that my credit card is closed I contacted bank asked what's the reason of closing my account they said you will receive a letter but on the letter it doesn't give any reason why my account why it was closed this discrimination I did not do anything bad I paid all my payments on time even early I spent my card normally everywhere my credit score is XXXX I have no debts on other credit cards I have no late payment.Even if they are closing my account I don't want. to have in on my credit report as a closed 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 2026-06-12 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: SC

Complaint narrative:
I am submitting this statement to document the unauthorized takeover of my Wells Fargo account on XX/XX/year>, the resulting fraudulent transfers and unauthorized charges totaling {$7800.00}, and Wells Fargo 's failure to provide any meaningful resolution. I contacted Wells Fargo immediately after my account was hacked. They advised me to " freeze my credit report '' and sent me a " claim reference # '' Claim Reference Number : XXXX. account # XXXX I filed a police report and Wells Fargo did not provide any of the information the Police Department requested/subpoenaed. The police informed me that Wells Fargo claims I've never contacted them about this incident. I have the proof that's not the case. The hacker closed my debit card and changed account contact preferences, changed my online banking password as well and attempted a " cash advance '' on my credit card Card # XXXX. Additionally, I requested Wells Fargo to provide all the phone made on XX/XX/XXXX to Wells Fargo referring to this incident. The police department informed that no call log or call recording were provided.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
This banking institution has continuously locked my card without notice leaving without access to my money. Its an ongoing problem and it has happened no less than 30 times. I am on the phone with the fraud department because they have locked my debit FIVE times in less than 24 hours. I will pursue legal again after 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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
On the early morning of XX/XX/XXXX, I logged into my Zion 's Bank account and noticed three withdrawals ( listed as XXXX XXXX Shafier ). I called the bank and they told me to go into the branch, which I did. I was there for XXXX hours where the employee called in a dispute, let them know these were fraudulent withdrawals, and that I didn't recognize the name or authorize such charges. I also found a secure message to me from the bank stating, " You recently added an external account that we have verified you are not an authorized signer on. Please reach out to your XXXX XXXX for more information on adding an External Account for a friend. An External Transfer to a Friend Enrollment Form will need to be completed and returned to the branch in order to complete this action. If you did not add an external account, please contact XXXX XXXX at XXXX opt 3. '' When I called the number, they told me they couldn't speak to me. I called the branch back and stated that if they knew the external account didn't belong to me, why did they allow the funds to be withdrawn. No one could answer that. I then called the police and our local sheriff started a fraud case. I then reported it through the FTC Identity Theft Portal, and made an IC3 complaint. I have called the bank every single day and no one is able to give me any information on the dispute/fraud, no time-line of crediting my account, and have now also filed a complaint with the XXXX services as according to the Electronic Funds Transfer Act, they must provide a provisional credit within 10 days. This is more than frustrating and considering my funds are/were FDIC insured XXXX it seems like someone should be informing me of when I will get my stolen funds returned.

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 2026-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am a Texas resident. On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX ( NJ ) through XXXX XXXX and Sales XXXX XXXX, using a dealer-arranged loan with Ally Financial. On XX/XX/year>, Texas XXXX Trooper XXXX XXXX seized the vehicle because it is a stolen, cloned car from Michigan. Ally Financial is refusing to freeze the account ahead of my XX/XX/year> payment deadline, violating the FTC XXXX XXXX by demanding payments on fraudulent dealer collateral. Furthermore, XXXX XXXX XXXX packed my loan with unwanted add-ons ( XXXX service contract, XXXX insurance, and XXXX ) XXXX I cancelled these within 30 days, and XXXX XXXX XXXX confirmed via text that the cancellations were processed. The dealership has illegally withheld these refunds from Ally Financial, inflating my loan balance on top of selling me a stolen vehicle.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 2026-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Im writing to file a complaint against IC System Inc. for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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 2026-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NATIONWIDE ACCEPTANCE LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting of my auto loan account by Nationwide Acceptance across multiple credit bureaus. I disputed this account with XXXX, and although the dispute was marked as approved, the account continues to report conflicting and inconsistent information across my credit reports. The same account is reporting different balances with different credit bureaus : - XXXX reports approximately {$14000.00}- XXXX reports approximately {$14000.00}- XXXX reports approximately {$12000.00} In addition, the reporting dates, payment history, delinquency status, and charge-off information are inconsistent between the bureaus. Examples include : - Different balances being reported for the same account - Different account statuses and update dates- Charge-off reporting inconsistencies- Reporting that appears outdated or incomplete on some bureaus - Current balance exceeding the original/highest balance without clear explanation The account also reflects a charge-off while I still possess the vehicle and have recently made payments on the account. The reporting includes conflicting information regarding past due amounts, payment status, and balance calculations. I believe the information being furnished is inaccurate and/or inconsistent under the Fair Credit Reporting Act ( FCRA ). I am requesting that Nationwide Acceptance conduct a proper investigation and provide accurate verification and documentation supporting the reported balances, charge-off calculations, payment history, and account status being furnished to the credit bureaus. I am also requesting correction or removal of any inaccurate information being reported.

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 2026-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
BMO repeatedly charges late fees even though I get my checks there on time. It then waives the late fee- if I am able to get through on their phone number which is exceedingly rare - but refuses to waive interest fees, which is not my fault since it is impossible to contact the company. BMO ( XX/XX/XXXXXX/XX/XXXX ) has an XXXXphone number that will NOT let me get through to a human being or leave a message. It asks for my account number and/or social security number and then the A.I. voice tells me the information is incorrect even though I've been a customer for years. It is all but impossible to get through to BMO. I sometimes am forced to call my local branch and they give me another number that may or may not work... I believe it's illegal for a company to make it impossible for a customer to contact said business.

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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for a preapproval credit card with Bank of America. I was denied because I filed bankruptcy. I have an attached letter of denial of credit with Bank of America. I had an checking account with Bank of America and the account was closed On XX/XX/XXXX, and the account was in good standing. I do not owe any debt with the bank at all. The account was added on the bankruptcy although there were no debts owed prior to the bankruptcy. I do not have any accounts with Bank of America. However, the company still sends me emails asking me to update my online banking password. I will be attaching the emails sent to me that are still coming from Bank of America as if I have an account with them. The bankruptcy was reported illegally with XXXX XXXX to the XXXX credit reporting agencies XXXX XXXX XXXX XXXX XXXX. I orally went to the bankruptcy court in Maryland, and I was informed that the courts do not forward over any court documents to the credit bureaus at all and that was a violation on XXXX XXXX whom the credit bureau agencies paid the company to get the information. I have all of my credit reports frozen along with XXXX XXXX XXXX XXXX, and XXXX XXXX because my right to privacy was violated and my personal information was breached. I will also be attaching snippets of the inquires from all 3 credit bureaus which the information is not accurate nor consistent on all 3 reports. XXXX XXXX XXXX XXXX both report Bank of America as a hard inquiry, but XXXX does not have Bank of America as a hard inquiry. Bank of America continues to violate USC Code laws in regarding me as an consumer and I would like a thorough and optimal investigation regarding this company. In addition, they are using fraudulent and misleading business practices and should be held accountable.

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 2026-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Asked to verify ownership and did not receive anything.

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 2026-06-14 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: MA

Complaint narrative:
I am submitting this complaint for the second time regarding fraudulent hard inquiries appearing on my credit report. I previously disputed these unauthorized inquiries ; however, I have not received an adequate response, nor have any corrections been made to my credit file. Despite continued monitoring, the fraudulent hard inquiries remain. This indicates that TRANSUNION failed to conduct a reasonable and lawful reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XX/XX/year> XXXXXXXX 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