vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/year> I contacted US Banks Customer Service and requested to have my Savings and Checking account closed. I explained that I lived about XXXX hours away from the nearest branch. The person I spoke to proceeded to XXXX me and asked the questions about any transactions to confirm there would not be any further transactions. I explained that I had stopped all transactions and had taken the steps to cease all account activity. I promptly cut up my card and Locked it so it would not incur charges in the event my account information had been compromise via the US Bank app. On XX/XX/year> I received an email that my account was overdrawn about XXXX from some company I immediately called us Bank fraud line. I asked at this time why the account had not been closed. The woman and many of the tellers were very difficult to understand. This woman was no exception but my question was ignored and she proceeded to ask me questions and accused me of acquiring a charge right before I closed the account so I would not have to pay for it. I said that just was not true! She told me that the amount would be credited within XXXX hours and to watch the account for the credit. I then asked if my account would proceed with being closed and she once again would not answer my question. I waited XXXX hours and did not get credited for the amount as she had promised I found the information for the transaction and proceeded to contact the company to alert them of the fraud and demand my money back. On XX/XX/year> the money was returned to my account. On XX/XX/year>, I received an email alert from US Bank for information from my debit card and asked that I log into my account for more information. I logged in and my account was still open and had incurred more fees and charges from US Bank. I immediately called US Bank and asked again why my account wasnt closed. She stated that my account had special circumstances. I demanded to speak to a manager and she said she had to transfer me to a special department. I waited for the transfer but there was no hold music and the line sounded dead like no one was on thd other end. I hung up and proceeded to file my 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 monetary relief
Consumer complaint received 2026-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/year> was reported too you they have destroyed my credit, ,amount {$9.00} ON XXXX XXXX TOLE THEM LOOK AT MY PROFILE, ,STILL CALLING

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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation for unfair debt collection practices and sending threatening repossession notices despite my account being fully paid.My vehicle loan payment was due on XX/XX/XXXX. I initiated an electronic transfer through my bank on XXXX XXXX Credit Acceptance Corporation 's official mobile application and web portal clearly show that the electronic payment was successfully received and posted to my account history on XX/XX/XXXX. My account balance for this period currently shows {$0.00} due, and my account is recognized as current by their system.Despite my payment successfully clearing on XX/XX/XXXX, Credit Acceptance Corporation mailed a physical " Notice of Intent to Repossess '' to my addres on files, which I received today XX/XX/XXXX. Threatening to take away a consumer 's vehicle because of standard automated banking processing and settlement delays is an abusive practice. What is a fair resolution? My official contract due date is the XXXX of every month. On XX/XX/XXXX, I had to prioritize making my mandatory car insurance payment to keep the vehicle legally covered. I was actively trying to get my insurance and personal expenses settled first so that I could permanently return to making my payments exactly on time on the XXXX move forward.Even though this appears to be a tracking or mailing error inside the company 's automated systems, but still this is wrongfully, I known the company could do better by helping their consumers giving us more time to get everything done first!

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 2026-06-29 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: U.S. BANCORP
State: MD

Complaint narrative:
This is a formal dispute of a billing error totaling {$1800.00} charged by XXXX on my U.S. Bank credit card. U.S. Bank previously denied my initial dispute and subsequent reassertion stating the information I am supplying is beyond the timeframe ( Case Number : XXXX ). This was a criminal Ghost Broker identity theft and insurance scheme. I attempted to reach XXXX customer service by phone but was routed to fraudsters impersonating XXXX representatives. They took my credit card info and charged {$1800.00} under the merchant name XXXX. The fraudsters logged into my actual XXXX account and paid my premium ( {$2700.00} ) using a completely different unknown checking account. That transaction was reversed and XXXX demanded I pay {$2800.00} out of pocket to prevent policy cancellation. The merchant XXXX provided absolutely zero services to me, and the mechanism was entirely fraudulent. I am invoking my federal rights under the Fair Credit Billing Act ( FCBA ) for services not received. I have formally filed an identity Theft Report with the Federal Trade Commission ( FTC ).

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 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
Meridian Financial is attempting to collect a debt on behalf of my timehsare company. I * have multiple attempts to communicated with them to explain that this debt is disputed, but my efforts are ignored. Meridian Fi8nancial has made no attempts to validate the debt or provide proof that they have the legal right to collect it. Ignoring a consumer does not result in payment, and their lack of response is creating an unfair financial burden. They need to cease all collection efforts immediately, remove any negative marks they placed on my credit reports, and return this account to the original creditor. It is stressful to deal with a collection agency that refuses to engage in a proper dispute process. I request that your office look into these practices and help me ensure that my credit profile is corrected and these collection actions stop.

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 2026-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type FACTORING COMPANY ACCOUNT Balance {$240.00} Date Updated XX/XX/XXXX High Balance {$240.00} Original Creditor CREDITNINJA Pay Status >Collection<

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX i was a victim of a violent crime involving XXXX and XXXX while traveling abroad On XX/XX/XXXX i reported the crime to US Bank and the accounts were frozen. on XX/XX/XXXX i returned home.to the states and went to a local branch office and provided a police and medical reports. As a military Veteran with accounts in good standing for more than 10 Years, they didnt seem to care shortly thereafter the bank sent a notice stating that they were closing my deposit accounts. Access to my livelihood funds has been cutoff for 2 weeks All of my calls have gone unanswered the bank.has stated there is no timeline to.return my money Case number : XXXX The criminals were arrested 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 explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I deposited my tax refund check of {$32000.00} into my M & T account. The money has been put on hold for more than a week now and Ive been restricted from withdrawing it. I checked the treasury website and it shows the check has been paid by the IRS, so why is M & T holding my money.

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 2026-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Pulte Mortgage due to a severe financial privacy violation, data mix-up, and subsequent withholding of my loan records. During the conditional approval phase of my mortgage application, on or about XX/XX/year>, Pulte Mortgage uploaded an urgent demand to my online loan portal. This message required me to write an explanation letter for a series of XXXX {$25000.00} deposits from an XXXX XXXX account into my account. This XXXX XXXX account, the {$25000.00} deposits, and the transaction details did not belong to me. XXXX Mortgage erroneously mixed my confidential underwriting file with another applicant 's private financial data, exposing their data to me. This information was requested over XXXX XXXX XXXX and wasnt able to be resolved until after the holiday weekend. This was XXXX reason why my closing was delayed. Since my loan has closed, Pulte Mortgage has terminated my portal access. This prevents me from downloading the communication history and documenting this identity and data security error. Additionally, Pulte Mortgage 's affiliated title company ( PGP Title ) has completely lost my original signed Mortgage Note and Security Instrument. I request that the CFPB compel Pulte Mortgage to immediately release a complete, archived text log of all portal messages sent to my account during the week of XX/XX/year>. This is required to verify the extent of the data breach and ensure my credit identity remains secure.

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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
XXXX Title Loans repossessed my XXXX XXXX XXXX XXXX ( XXXX XXXX ) without ever sending me the required Notice of Default/Right to Cure. My address on file is correct and has not changed. I never recieved any written notice before the repossession. When I asked the lender for proof of mailing, they : could not provide any mailing dates could not provide copies of the Notice of Default could not provide proof of mailing could not show any evidence that the required notice was ever sent The only notice I received was a Notice of Sale dated XX/XX/XXXX, which was sent after the repossession. This appears to be an improper and premature repossession. HARM CAUSED BY THE IMPROPER REPOSSESSION The lender 's failure to send the required notice caused severe medical, financial, and personal harm. Medical Emergency On the night of the repossession, I was experiencing a serious XXXX in my XXXX XXXX. Doctors instructed me to travel to XXXX XXXX the next morning for XXXX XXXX treatment. Because my truck was taken without notice, I was unable to attend the emergency appointment and have still been unable to obtain the prescribed medication. Loss of Income Without my truck, I have been unable to work and have lost all income. Loss of Power and Basic Needs I live in a camper powered by a generator. Without transportation, I can not buy fuel, resulting in : loss of power in extreme Texas heat inability to refrigerate food inability to maintain safe living conditions Harm to my Family and Animals I support my fiancee, five dogs, and seven puppies. Without transportation or income, I have been unable to provide food and basic necessities. The lender 's actions have placed my health, family, and safety in danger. WHAT I ASKED THE LENDER FOR I requested : the reinstatement amount itemized fees copies of all notices mailing dates proof of compliance with Texas notice requirements They could not provide : any mailing dates any copies of the Notice of Default any proof that the notice was ever sent They escalated my request to a supervisor but have not resolved the issue. WHAT I BELIEVE THE LENDER DID WRONG failed to send the required Notice of Default/Right to Cure failed to provide proof of mailing failed to provide copies of required notices conducted a premature and improper repossession caused significant medical, financial, and personal harm violated Texas Finance Code regarding notice requirements engaged in unfair and harmful practices

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 2026-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported to consumer reporting agencies. If the late payments can not be verified as accurate, I request that they be removed from all credit reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account appearing on my TransUnion credit report. The account listed as XXXX XXXX with an alleged balance of {$110.00}, opened on XX/XX/year>, and reported as placed for collection, does not belong to me. I believe this account is the result of identity theft or has been reported in error. I did not authorize or open this account, nor am I responsible for the debt being reported. I request that TransUnion conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) and verify the accuracy of this account. If the account can not be verified as belonging to me, I request that it be removed immediately from my credit report. Please send me written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. 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 non-monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I am filing this complaint because my mortgage servicer, XXXX XXXX, is denying me access to FHA loss mitigation options based on a misapplication of HUD guidelines. I was recently on an FHA Trial Payment Plan ( TPP ). Due to an unexpected banking issue, a trial payment made at the end of the month was returned for insufficient funds ( NSF ). The servicer canceled the trial plan but failed to notify me of the rejected payment or the plan cancellation until after the trial month had fully passed, denying me a timely opportunity to cure the administrative issue. Furthermore, the servicers loss mitigation department stated that per " FHA guidelines, '' I am completely barred and disqualified from applying or qualifying for another loan modification for a full calendar year. This statement directly violates HUD Single Family Housing Policy Handbook 4000.1. Under FHA loss mitigation guidelines, a failed or unexecuted trial payment plan does not trigger a multi-year lockout restriction. The FHA 24-month restriction only applies to permanently executed and finalized loan modifications. Furthermore, FHA guidelines explicitly permit a servicer to evaluate a borrower for an additional home retention option if a hardship continues. The servicer has also filed a foreclosure complaint against my property, yet they are actively blocking me from submitting a new loss mitigation packet based on this inaccurate " one-year rule '' policy.

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 2026-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account appearing on my TransUnion credit report. The account listed as XXXX XXXX with an alleged balance of {$110.00}, opened on XX/XX/year>, and reported as placed for collection, does not belong to me. I believe this account is the result of identity theft or has been reported in error. I did not authorize or open this account, nor am I responsible for the debt being reported. I request that TransUnion conduct a full investigation under the Fair Credit Reporting Act ( FCRA ) and verify the accuracy of this account. If the account can not be verified as belonging to me, I request that it be removed immediately from my credit report. Please send me written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. 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 non-monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: VT

Complaint narrative:
We leased a XXXX XXXX XXXX XXXX from them, after XXXX months, we returned the vehicle the day we were supposed to. We called the dealer and dropped it off at XXXX XXXX in XXXX, VT. We confirmed with them, is there anything else we owed, and they said no. ( We made the last payment XXXX months early. For the next week or XXXX we get multiple calls from Hyundai asking if we were going to turn the vehicle in, we had to explain each time, it's already been dropped off, and it should be all set. XXXX months go by, and we get a derogitory mark on our credit scores. Reached out to Hyundai and they say we still owe {$400.00}. We explained that everything was paid, and we confirmed with the dealer we were good to go, ( NOTE : THIS DEALER IS NOW OUT OF BUSINESS ) They claimed they had called multiple times ( untrue, not once did they call ), When we called they said we tried calling yesterday, and we checked they never tried, there wasn't even a missed call. Then they said they mailed some stuff, none of which we had received. I'm not sure exactly what happened with the dealer turn in, but purhaps that's why they are out of business now? We offered to pay the {$400.00} disposition fee, but requested any negative marks be removed from the credit reports. Were have made multiple disputes through the credit reporting company but XXXX keeps closing them and not modifying them XXXX ( XXXX ) The lease was properly returned. You were told nothing further was owed. The dealership is now closed. No bills, notices, or collection letters were ever received. Hyundai Motor Finance has been unable to provide proof that any notice was sent. You are requesting verification of the debt and correction or deletion of the derogatory reporting under the Fair Credit Reporting Act.

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 2026-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I used to be able to choose how to apply any amount paid over the minimum payment so as to pay off a promotional balance before the interest retroactively applied. Now Best Buy has removed the option and made it a 30 minutes plus process by forcing me to call their terrible customer service line. By not even allowing even a proportional amount to be paid to the promotional balance, they are deceiving customers into thinking they can pay the amount off before the term expires while allowing the full balance of the purchase to accrue YEARS worth of interest. This is extremely deceptive and designed to steal from borrowers.

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