vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a formal dispute against Barclays Bank Delaware regarding an unfulfilled sign-up bonus contract, total consumer lockout, severe administrative hurdles, and significant account disruption on my Barclays Wyndham Rewards Earner Plus card. The promotional terms explicitly state that spending {$2000.00} earns a XXXX sign-up bonus. Barclays approved me for a restrictive {$3000.00} credit limit, which technically exceeded the {$2000.00} promotional requirement. However, due to a highly disorganized internal fraud system, nearly every single purchase attempt was blocked. I was forced into several hours of wasted time with customer service simply trying to meet the spending requirement, because I was stopped every time I tried to use the card. Despite this extreme hassle, I successfully navigated their phone system, maxed out the limit, paid down a portion, and spent a total of approximately {$3000.00} to {$4000.00} across XXXX and XXXX to ensure I fulfilled my end of the contract. After successfully navigating this constant hassle and hitting the spend goal, Barclays XXXX XXXX department placed an identity verification hold on the account. I cooperated fully with their identity verification requests requiring copies of my bank statements, drivers license, and social security card. The first time I mailed the documents, I sent printed phone photos of the cards but also a PDF of my bank statement, which I was told were not good enough and to send them again. To ensure absolute clarity and resolve any potential resolution issues, I went out and purchased a dedicated scanner to generate flawless, perfect-quality color prints of my Driver 's License and Social Security card for the second mailing. Barclays rejected these perfect scans without valid justification and permanently locked me out. Barclays issued the first tier of XXXX points but froze the remaining XXXX points. Frontline phone agents refuse to provide information on my rewards, claiming they " do not know who to talk to '' or " who to transfer me to. '' The bank can not legally claim an account does not exist for the purpose of withholding contractually earned rewards or denying digital account access while simultaneously maintaining that the account exists for debt tracking.

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 2026-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
ATTEMPTING TO PURCHASE A VEHICLE AND FOUNF THAT THE CITI CREDIT CARD WAS ON MY RFEPORT -THIS IS ID THEFT AND I DID NOT AUTHORIX=ZE THE ACCOUNT OR THE CHARGES

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I file a dispute against Navy Federal because I was charged for a merchandise that I never received in my dispute was canceled because I did not send documents according to them on the day that they wanted me to send them in which I did send the documents that they requested in time the days that they wanted me to send I sent the first day that I file dispute was when I made a charges XX/XX/XXXX. I waited until I received the email from the company which was an automated email service that I never received merchandise from. I emailed them over and over again and never received any email back besides automatic email services, saying the same thing that I was gon na receive the item which I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
b'B"H\nFormal Complaint to the CFPB\nTo: Consumer Financial Protection Bureau\nComplaint Category: Debt Collection\nCompany: Ability Recovery Services\nDate: XXXX XXXX XXXXn\nRE: Formal Dispute of Inaccurate Medical Collections Billing Error\nPatient Name: XXXX XXXXr\nXXXX XXXX XXXX XXXXXXXX XXXX XXXX\nDate of Service: XXXX XXXX XXXXn\nDescription of Digital Dispute:\n\nI am filing this formal complaint against Ability Recovery Services regarding two medical accounts they are attempting to collect, which have negatively impacted my credit score. These accounts are the result of a billing error by the providers, as I was covered by XXXX XXXX at the time of service and my Share of Cost was fully met.\n\nAccount Details:\n\nOriginal Creditor: XXXX XXXX XXXX XXXX (Account: XXXX XXXXmount: XXXXnOriginal Creditor: XXXX XXXX XXXX XXXX XXXX Amount: XXXX\nFacts of the Dispute:\nOn XXXX XXXX XXXX I received XXXX medical services. At the time of service, I explicitly provided my XXXX XXXX information (ID: XXXX XXXX XXXX to the hospital registration and billing staff. Despite providing this information, these charges were not correctly processed through Medicaid.\n\nMy Medicaid Share of Cost for this period was met, meaning these bills should have been covered and paid by the state. I have contacted the providers to initiate a rebilling process; however, Ability Recovery Services continues to report these balances as personal debts and is pursuing collection.\n\nDesired Resolution:\nI request that the CFPB direct Ability Recovery Services to:\n\nImmediately cease all collection activity while these billing errors are being rectified with XXXXXXXX XXXXnMark these accounts as "Disputed" on all credit reporting agencies (TrXXXX XXXX XXXX XXXX\nCoordinate with the original creditors (XXXX XXXX XXXX XXXX XXXX XXXX) to recall these accounts from collections so they can be properly reprocessed under my Medicaid coverage.\nRemove these derogatory items from my credit report entirely once the billing error is confirmed.\nThank you for your assistance in resolving this matter.\n\nSincerely,\n\nXXXX 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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Prosper Marketplace, Inc.
State: WA

Complaint narrative:
I applied for the prosper credit card via an email that was sent to me I was immediately denied and provided an adverse action letter in the adverse action letter it says that the credit score up XXXX and information was obtained from XXXX however this information is incorrect so I immediately contacted XXXX about the discrepancies XXXX confirmed know that it's incorrect information XXXX then gave me a reference number to provide to prosper I then provided that information to prosper requesting a manual review they sent me an email saying that they never pulled my credit report I provided the email with the adverse action response again This is all very very suspicious and very alarming If indeed my credit report was not pulled then why was I denied why are you giving me an adverse action email with an incorrect credit score and incorrect information I have asked the company to give me more details of where they got this information from because XXXXXXXX is saying this is not the information in my credit file nor the information they 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 2026-07-15 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: Netspend Corporation
State: DC

Complaint narrative:
On XX/XX/year> transactions were made and fees from somewhere in XXXX XXXX XXXX totaling XXXX in this XXXX, XXXX ( foreign transaction surcharge ) which XXXX abbreviate from here on XXXX, XXXX ( fts ) XXXX. XXXX ( fts ) 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 2026-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
This is at Wells Fargo Bank at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. Went to make a deposit on XX/XX/XXXX XXXX XXXX XXXX The XXXX who has to verify the deposit.... left me standing for XXXX minutes with any apologies, she was rude and neglectful. I was very disappointed with the service received. Thank you for your attention to this matter.

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 2026-07-15 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: U.S. BANCORP
State: TX

Complaint narrative:
U.S. Bank is violating my FCBA rights by holding me liable for a {$610.00} unauthorized credit card charge by XXXX XXXX. I did not make, authorize, or benefit from this charge. The bank has failed to provide any technical proof or verification that I initiated the transaction. The merchant 's own records indicate that there was no live capture verification. This proves that a fraudster used a stolen digital copy of my identity to open or charge this account without my physical presence or consent. Under the Fair Credit Billing Act, an uploaded file without biometric liveness proof does not constitute authorization. I demand this case be reopened as identity fraud. XXXX XXXX XXXX XXXX XXXX, which is a known pattern of shell-company identity theft. U.S. Bank is violating my rights under the XXXX Credit Billing Act by holding me liable for a {$610.00} charge when the merchant 's own lack of 'live capture ' proves my physical ID was digitally duplicated and used without my authorization.

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 2026-07-15 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: NY

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I deposited a check from my business account is XXXX XXXX Bank around XX/XX/year> Check # XXXX for {$5000.00} account number : XXXX to my XXXX XXXX account XXXX. XXXX decided to close my business account and never send me the {$5000.00} back. I need to recover those funds.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: NC

Complaint narrative:
This complaint concerns Netspend 's dispute investigation and final denial, which occurred after my earlier CFPB complaint was filed. This is NOT a duplicate complaint regarding the underlying transactions but a complaint regarding the company 's investigation and denial of my dispute. I am filing this complaint regarding Netspend 's handling of my dispute under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX. I previously reported unauthorized transactions on my account immediately after discovering them. Netspend completed its investigation and denied my claim. However, this complaint is not about re-reporting the unauthorized transactions. It concerns the adequacy of Netspend 's investigation and its dispute resolution process. The denial letter states only that there was : No pattern indicating fraud No evidence of account compromise No evidence of device compromise These are conclusory statements that do not explain what evidence was reviewed, how Netspend reached these conclusions, or why it determined the transactions were authorized. The denial provides no meaningful explanation of the investigation that was performed. A statement that there was " no evidence of device compromise '' does not establish that I authorized the transactions. Unauthorized electronic fund transfers can occur through a lost or stolen payment card or other unauthorized use without compromising the customer 's personal device. I requested that Netspend properly investigate my dispute. Instead, I received a denial that contains conclusions without supporting facts. I am requesting that Netspend provide all records relied upon in denying my claim, including investigation notes, transaction authentication records, login history, IP address information, device identifiers, merchant verification records, and any other documents used during its investigation. If Netspend can not produce evidence demonstrating that I authorized these transactions, I request that the company reopen the investigation, conduct a reasonable investigation consistent with Regulation XXXX, and reimburse the unauthorized transactions if appropriate. I respectfully ask the CFPB to review whether Netspend complied with its obligations under the Electronic Fund Transfer Act and Regulation XXXX in investigating and denying my dispute.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I deposited a check into my XXXX business checking account using mobile deposit by taking a photo of the check. At the time of the deposit, I was informed that the funds would be available within up to three business days. Three days later, a scheduled payment was processed, but the deposited check was still on hold and the funds were not available. Because the hold had not been released as expected, my account overdrew and I was charged an overdraft fee. I contacted XXXX customer service and also visited a local branch to request that the overdraft fee be refunded because the overdraft occurred solely due to the extended hold on my deposited check. My request was denied. I am requesting that XXXX review the hold placed on my deposit and refund the overdraft fee that resulted from the delayed availability of my funds.

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 2026-07-15 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: RI

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I'm an XXXX XXXX service member who has had a card with city for 7 years. We got a bill for a platinum American advantage card. In XXXX XXXX XXXX XXXX, after not getting billed for any other years.We had the card. We were not aware that we were being charged. And we discovered that we owed money against the card and were also charged a late fee because we missed the notification. We called XXXX the XXXX XXXX day period to dispute and city would not resolve the charge. We called again on XXXX XXXX and citibank refused to close our card or refuse to refund us our money. It is unfair to be charged for a product that we are not using.And haven't used for the past four years. The phone conversation was aggressive and high pressure to open another card. Rather than just refunding us we are not using Citibank ever again. For their unfair practices and surprise fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding Wells Fargo XXXX handling of a XXXX payment that was sent to the wrong recipient and the bank 's refusal to provide information needed to pursue recovery. On XX/XX/year>, I mistakenly sent a XXXX payment from my Wells Fargo account to a vendor named XXXX XXXX. After realizing the error, I immediately contacted Wells Fargo to report the mistaken payment and request assistance. Wells Fargo informed me that the payment had been completed and delivered. However, when I requested the transaction trace information, ACH trace number, or any other payment reference that would help me identify the recipient or pursue recovery of my funds, Wells Fargo refused to provide it. I have contacted the bank multiple times and have been unable to obtain the information or meaningful assistance. Because Wells Fargo confirmed that the payment was completed, I have attempted to recover the funds. However, without the transaction details that the bank possesses, my ability to pursue legal remedies, including small claims court, has been significantly hindered. I am requesting that Wells Fargo : a. Provide all available transaction records related to this XXXX payment, including any confirmation numbers, payment reference numbers, XXXX trace information ( if applicable ), and any other records they can legally disclose. b. Explain in writing why they refused to provide this information. c. Explain what actions, if any, were taken to attempt recovery of the funds after I reported the mistaken payment. d. Review whether Wells Fargo followed its policies and procedures in responding to my request for assistance. I have made repeated good-faith efforts to resolve this matter directly with Wells Fargo but have not received the information necessary to protect my financial interests. I respectfully request that the CFPB review this complaint and require Wells Fargo to provide a complete response and the records necessary for me to pursue recovery of my funds.

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 2026-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
CFPB XXXX Synchrony Bank ( Mattress Firm Credit Card ) I am filing a complaint against Synchrony Bank regarding my Mattress Firm credit card account ending in XXXX. On XX/XX/2026, Synchrony charged me {$840.00} in interest, claiming I was outside of a promotional period. However, I was never clearly informed that my purchase was subject to a deferred interest promotion, nor that failure to pay the full balance by a specific date would result in retroactive interest applied to the entire original purchase amount from the date of purchase. This critical term was not clearly disclosed at the time of purchase or in any communication in a way that a reasonable consumer would understand. Had I been properly informed, I would have paid the balance in full before any such deadline. In addition to the {$840.00} charge, Synchrony has continued to apply ongoing monthly interest charges after XX/XX/2026, which are directly tied to this disputed retroactive interest. These charges are also improper. I believe this practice is misleading, unfair, and potentially deceptive, and may violate the Truth in Lending Act ( TILA ) and Regulation XXXX, which require clear and conspicuous disclosure of credit terms. Resolution Requested : Full reversal of the {$840.00} interest charge ( XX/XX/2026 ) Full reversal of all subsequent interest charges applied after that date Written confirmation that no further retroactive or related interest will be charged I request that Synchrony provide documentation showing where these terms were clearly disclosed and affirmatively accepted.

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