vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WY

Complaint narrative:
We were to close on a home on XX/XX/year> in XXXX, XXXX. We needed to wire {$240000.00} to XXXX XXXX XXXX in XXXX XXXX. We received wire instructions for this transaction, as well as our closing statement ( XXXX ) from what we believed to be the title company. On XX/XX/year>, my agent in XXXX sent me a message to tell me the title company never received my funds. I immediately called the title company and after a little bit of a conversation, it was apparent we were all part of a spoofing scam and the wire instructions sent to me were actually from the scammer posing to be the title company and not the title company. I called my bank right way and asked them to issue a recall. I filed an XXXX, a police report, as well as a complaint with the FTC. I went to the receiving bank and presented all the information we had in reference to this scam so they can hopefully escalate this to their wire fraud team. After further investigation, the title company never did send me wire instructions, nor did they ever confirm who I was- they claimed to have forgotten. The title company was actually communicating with the spoofer without verifying my identity only after the spoofer reached out to them for more information. The spoofer also was able to obtain personal data from the sellers agent coordinator.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MI

Complaint narrative:
I am filing this complaint against U.S. Bank for a severe violation of Regulation E and unfair consumer practices regarding a {$3300.00} consolidated fraud claim. My original fraud claim was filed on XX/XX/year>. On XX/XX/year>, I spoke with a U.S. Bank fraud representative named XXXX on a recorded line. He explicitly guaranteed that my provisional credit was fully approved, marked as " pending '' in the system, and would be accessible in my account no later than Wednesday morning, XX/XX/XXXX. However, on XX/XX/year>, U.S. Bank permanently closed my checking account due to internal loss prevention risk policies related to the size of the fraud. When I contacted the bank, representatives stated that while the provisional credit would still technically " hit '' the closed account, I am barred from accessing or using my funds until the fraud claim is fully investigated, which they claim could take up to 45 days. This is a direct violation of the intent and legal structure of Regulation E. A financial institution can not fulfill its legal obligation to provide provisional credit while simultaneously locking the funds inside a permanently closed account. Furthermore, the bank is attempting to reset my original legal 10-day deadline from XX/XX/XXXX to XX/XX/XXXX due to internal claims consolidation. Because U.S. Bank chose to sever the relationship and close the account, they can not hold my approved funds hostage for 45 days. I demand that U.S. Bank immediately honor the explicit verbal guarantee made on their recorded line, override the system block, and issue a corporate cashier 's check for my full {$3300.00} fraud settlement 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 2026-07-07 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Barclays credit card bank accepted a fraudulent charge from XXXX XXXX for airline tickets in the amount of {$2100.00}. XXXX XXXX claimed that, my son, niece and myself were no shows, and that they rendered the services but we didnt accept on XX/XX/year>. However, I sent Barclays an official report from the XXXX XXXX police that stated we were denied boarding by XXXX XXXX at the check in desk. Also, I sent Barclays the XXXX airlines tickets we purchased to get back home because XXXX XXXX denied boarding. But Barclays accepted XXXX XXXX fraudulent charges and failed to follow the Fair credit card billing act and closed the dispute even though they knew I was frauded by 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 2026-07-07 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: IA

Complaint narrative:
Statement payment amount of {$9800.00} paid by check. Check was endorced by citibank, cashed, but not applied to account. Contacted Citibank who then created a dispute with a case ID and sent us an email requesting copy of endorced check from our bank. Copy was sent to given email address along with several requests for update. We then received a noticed that we failed to provide requested information and the case was closed and we would be recharged teh {$9800.00}. Once again, we called and were told to email the information to the same email address ( even after explaining I have gotten no response from that email address ) and that the case would be re-opened. Emailed info again as well as printed all information to given physical address with proof of tracking and delivery. Did not hear back. Called a 3rd time and was told to wait another 7-10 days and still have not heard anything. Along with the theft of our {$9800.00}, we were then charged late fees as well as over {$200.00} in interest that needs to be reversed as well.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist charged my business account {$540.00} worth of overdraft fees. I called them multiple times about not allowing payments to go through if there was not enough money in the account. They charged me XXXX fees of {$36.00} each. They also charge fees for stop payments! I called last Friday, XX/XX/year>, and again today, XX/XX/year>. On XX/XX/XXXX, I was told by their supervisor that all the fees would be refunded. I called today and was told by XXXXXXXX XXXX XXXX XXXX, that she does not see any documentation about this. I asked for the name of the supervisor I spoke with last time, but she said she could not provide that information and that she could not review the recorded conversation. I was promised that those fees would be reversed on a recorded line, and the supervisor I spoke with did not do what she said she was going to do. XXXX was very unhelpful. I am forced to close my checking account. I also do not want to continue doing business with a bank that lies to its customers.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was notified on XX/XX/year> by USAA that my checking account was restricted. I got paid my disability payment in the amount of {$1400.00} and was immediately restricted by USAA to gain access to those funds. USAA did this without any warning and has made my life extremely difficult. I have bills to pay like everyone else. I called USAA for help on XX/XX/year> at approximately XXXX am pacific standard time. Their response stated that they have the account on current restriction and they no longer wanted to do business with me. They stated it will take up to 60 business days for me to be able to access these funds via corporate check by mail. This is unacceptable as this puts me in financial ruin.

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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
On XX/XX/year>, I purchased the XXXX XXXXXXXX XXXX XXXX and was promised to get a {$7500.00} government encentive at the end of the year, and which I found out that it's a misrepresentation. I put down {$8000.00} for a down payment and in the sales contract, they only put {$560.00} and told me that the money went to the XXXX XXXX XXXX XXXX XXXX trade-in, and the rest of the {$8000.00} down payment went to the depreciation from the XXXX XXXX, which is too much, and I think it's an unfair business practice.

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 2026-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi Managers, I opened the checking and saving account XXXX with Citi Bank on XX/XX/year>. If your employees told me that my account were not granted the award of {$750.00} on that day then I should have not to deposit {$30000.00} to open my account on XX/XX/year>. I want to tell that your Citi Bank was cheating my money for over 4 months into your Bank that why I did send my conplain to Comsumer Financial Protection Bureau in order I can get the promised award of {$750.00} at the time opening My account with Citi Bank online XX/XX/year>. I will wait the response from CFPB. XXXX XXXX XXXX XX/XX/year> Your Citi Executive Response Unit Attachment ( s ) Protecting your personal information is important to us. If you are emailing documentation back to Citi, do not include any personal information within the documentation or the body of your email response. <image001.png> <image002.png> <image001.png> <image002.png> XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sent 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 2026-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding my CareCredit account issued by Synchrony Bank. I understand the terms of my deferred-interest promotional financing and I am not disputing that the promotional period expired. My request is for a one-time goodwill review based on my individual circumstances and the way my request was handled. My promotional financing expired on XX/XX/year>. At that time, I had approximately {$1000.00} remaining on the promotional balance after making consistent payments. Because I had automatic payments enabled, I unfortunately overlooked the promotional expiration date. Had I realized there was a remaining balance before the deadline, I would have paid it in full. Instead, approximately {$1300.00} in deferred interest was added to my account. After discovering this, I contacted CareCredit multiple times. I spoke with several representatives and a supervisor. The supervisor reviewed my account, acknowledged my request, and escalated it to a higher-level representative. I explained that I accepted responsibility for missing the promotional expiration date and that I was willing to immediately pay the remaining promotional balance that existed before the deferred interest was assessed if Synchrony would consider a one-time goodwill adjustment. The request was denied. During my final conversation, when I attempted to ask whether there were any additional options available, the call ended before I could finish my question, leaving me feeling that my concerns were not fully heard. I am respectfully requesting that Synchrony Bank conduct an executive-level review of my account and consider a one-time goodwill adjustment of the deferred interest. I am not asking the company to change its promotional financing policy. I am simply asking that my individual circumstances, payment history, and willingness to immediately satisfy the remaining promotional balance be considered. I appreciate the opportunity to have my complaint reviewed.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank emailed and text me that I was approved for a checking account that was applied for XXXX. When I tried logging on by phone, my email, phone number, and ssn matched. I called them and reported fraud. They have closed account and will send me paperwork to sign via email

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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: KY

Complaint narrative:
I reached out to see if I could lower my payments. I had no idea that an interest rate of 795 % was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Never received a bill or warning by the mail nor have I ever signed up with XXXX. Spoke to XXXX ic systems and XXXX and none of them can seem to find me accountable for this collection of XXXX dollars, but fail to remove it.

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 2026-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I leased a vehicle through XXXX XXXX in XXXX. The vehicle was sold for auction in XXXX though the city of New York. The city of New York deducted fees and fines to pay off what I owed to the city then sent the remaining balance in excess of {$8800.00} to the lien holder which is Credit Acceptance. Someone else now owns and operates the vehicle. I have been trying to settle my debt with Credit Acceptance. But they won't account for the money they received from the city. The city said they sent the money. There is a paper trail. I have called and open cases with Credit Acceptance but they do not reply. There is not accounting for that money or the fact the vehicle was sold. I finally got documents from the city and spoke to the department of finance. I've attached.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint to document an additional incident that I believe is part of an ongoing pattern of identity theft and financial fraud affecting me. I recently learned that a U.S. Bank account ( account ending in XXXX ) was opened in my name in XX/XX/year> without my knowledge or authorization. I did not open this account, nor did I authorize anyone else to do so. This incident is consistent with a broader pattern of identity theft that I have been reporting. In the past month alone, I was required to close five fraudulent XXXX accounts, including a debit card associated with those accounts, because they were not authorized by me. Over time, I have also experienced the theft of my driver 's license, license plate, bank records, and numerous investment statements. Based on these events, I believe someone has obtained and continues to misuse my personal identifying information to open financial accounts in my name. I suspect that certain individuals may be involved in this activity, including XXXX XXXX and XXXX XXXX XXXX. I am requesting that these individuals be investigated. My concerns are based on the information and circumstances known to me, and I respectfully request that the appropriate authorities determine whether evidence supports their involvement. I respectfully request that U.S. Bank preserve and, where legally appropriate, provide all available records related to the fraudulent account, including the application information, IP addresses, device identifiers, email addresses, telephone numbers, mailing addresses, login history, transaction records, and any other identifying information associated with the opening and use of this account. I believe these records may assist law enforcement in identifying the individual or individuals responsible. I am requesting that this complaint be added to the record of my ongoing identity theft case and that all available investigative steps be taken. My objective is to identify the person or persons responsible, stop the continued misuse of my identity, and pursue appropriate legal action against those responsible.

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 2026-07-07 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: CO

Complaint narrative:
I am filing a complaint against Wells Fargo for refusing to investigate a clear case of merchant bankruptcy and non-delivery of goods. I placed two orders with XXXX Outdoors using my Wells Fargo Visa card. The first was on XX/XX/XXXX and the second was on XX/XX/XXXX. This merchant operated via drop shipping and explicitly stated a 30-to-60-day fulfillment delay on orders. This placed my expected delivery dates in XXXX and XX/XX/XXXX. The merchant often delivered orders up to 90 days after date of order. I understand the automated 120-day Visa clock from the expected delivery date has expired. However, the merchant XXXX Outdoors, intentionally delayed fulfillment via drop shipping and then abruptly filed for bankruptcy in XX/XX/XXXX. The merchant has permanently shut down and filed for bankruptcy without fulfilling my orders. When I contacted Wells Fargo to dispute the charges, customer service agents denied my claim, due to the amount of time that has passed since the day the transaction posted. Wells Fargo also stated to dispute this charge further, please contact the merchant directly. The merchant officially permanently closed in XX/XX/XXXX without delivering my items. I have no way to contact them or to recover these funds except through credit card protection. Wells Fargo accounted for XXXX 's network rules regarding " expected delivery date '' timeframes, but they did not offer an escalation route for total merchant insolvency.

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