vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am submitting this complaint regarding Kia Finance America, account number XXXX, currently reporting as a charge-off on my XXXX and XXXX credit files with a balance of {$7700.00}. On XX/XX/year> XXXX confirmed in writing through CFPB Complaint ID XXXX that this account was deleted from my XXXX credit file following an investigation in which Kia Finance America was contacted as the furnisher. Despite that documented deletion Kia Finance America continues to report this same account on my XXXX and XXXX credit files. On XX/XX/year> I sent a certified dispute letter directly to Kia Finance America pursuant to FCRA 623 ( a ) ( 8 ) demanding the original certified account ledger and all supporting documentation necessary to verify every data point currently being reported. That letter was sent via certified mail with return receipt requested. Kia Finance America failed to respond within the required XXXX day window. No documentation was ever produced. A furnisher that can not verify an account on XXXX bureau and fails to respond to a direct certified dispute within XXXX days has no legal basis to continue reporting that same account on other bureaus. The continued reporting on XXXX and XXXX following a documented bureau deletion and an unanswered direct dispute constitutes a violation of FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 8 ).

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was taking an XXXXXXXX XXXX from XXXX XXXX, Texas to XXXX XXXX, Louisiana. We got past XXXX XXXX, Texas and the train was stranded on the tracks for XXXX hours. At first they said a freight train was getting rid of a bad car. Then they said a can had hit a bridge and it was not safe to pass so we backed up to XXXX XXXX and then they had to change conductors. Then they loaded us on buses to continue the trip. They made an announcement that the fare would be refunded. I tried to call and was on hold for an hour. I disputed the charge with Wells Fargo. Spoke with a banker and they called customer service and we spoke with a supervisor who then issued a provisional credit. Wells Fargo reversed the provisional credit causing me financial hardship. I went to Wells Fargo located on XXXX XXXX, XXXX XXXX, Texas and spoke with a banker named XXXX. He called customer service and he put me on the phone and we were disconnected. So I asked him to call back. They reopened the dispute but refused to issue a provisional credit. I then asked to speak to the branch XXXX and he was lied to by XXXX. He instructed XXXX to call back to speak with a supervisor who then told us I needed a PDF of XXXX statement regarding the refund. I am a widow on Social Security and their lack of customer service and compassion has caused me emotional distress.

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 2026-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: OH

Complaint narrative:
XXXX XXXX XXXX have a mortgage with Midland Mortgage they got my loan threw XXXX XXXX at the time when Midland got my loan I was going threw a modification to get my payment lowered XXXX XXXX said to be XXXX to do that I had to report to FHA I had a XXXX payment I was stupid and I did because I am on XXXX and XXXX XXXX had my mortgage payment up to XXXX a month and while going threw the modification they sold my loan to Midland mortgage Midland finished out the modifaction I followed and did everything midland ask of me I have never missed a payment with midland they reported back on my credit report I did back in XXXX of 2025 I missed XXXX payment which is wrong I can prove threw my bank XXXX Bank I have never missed any payments with them I called the FHA and turned XXXX XXXX in for fraud for this but I need Midland to remove that from my credit report asap they are causing me all kinds of problems by not fixing this I just received a letter from them stating they will not fix it if they dont fix it I will be taking them to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX email XXXX phone XXXX please help me to get this fixed I am XXXX XXXX XXXX and I need to get my credit report fixed thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am disputing a Bank of America credit card account and balance transfer that I did not authorize, did not apply for, and did not have the ability to access or consent to. The debt being reported is from a balance transfer initiated in XX/XX/year>. I did not authorize this transfer, did not request it, and did not sign any application or agreement for this account. I had no knowledge that this account existed until long after the fact. At the time this account was opened and the balance transfer was completed, I was on probation and legally prohibited from using the internet, email, or any online services. Because of this restriction, I could not have : Applied for a credit card Reviewed or accepted any electronic disclosures Received or opened emailed statements Logged into any online banking system E signed any documents Bank of America claims that statements were sent to my email, but I was legally barred from accessing email during this period. I had no ability to monitor or manage any account activity. During this time, my wife handled our household finances due to financial stress. I believe she may have e signed documents or initiated the balance transfer without my knowledge, thinking I would have agreed. However, I did not authorize her to apply for credit in my name, and I did not consent to any balance transfer. I was unaware of the account entirely. Under the Fair Credit Reporting Act and Truth in Lending Act, I am not liable for any account or transaction that I did not authorize, did not sign for, and did not have the ability to access. I meet all criteria for an unauthorized account. Bank of America has continued to furnish this account to the credit bureaus as if it were mine, despite my dispute. This is inaccurate and harmful. I am requesting that the CFPB require Bank of America to : XXXX. Conduct a reasonable investigation into the unauthorized account XXXX. Provide the full application file, including IP logs, device information, and e signature audit trail XXXX. Remove the account and all related negative reporting from my credit reports This is a new complaint based on new, material information that was not included in my prior CFPB complaint. My inability to access the internet or email due to probation restrictions is a critical fact that directly proves I could not have authorized this account. I am requesting that Bank of America correct the inaccurate reporting and remove this unauthorized account from my credit file.

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 2026-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Bank asked me to send statements of XXXX transactions to prove that they were made by me. I sent them in XXXX asked me to prove that the account is the active I sent that in. I informed them that the XXXX name is my late mothers name, but it is not her account that it came from still nothing and now they wont accept any more information from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have been dealing with USAA and this matter for a few years now. They told me if the check didn't come back returned they would close my account and issue funds that are in the account. I've been waiting years for this. When I call them they always say that they don't see the problem and it should have been released by now. I would like them to issue me a check for the remaining funds in my 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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
I submitted a written dispute and request for debt validation to the company regarding this account. After receiving my correspondence, the company acknowledged in writing that its investigation had not been completed and advised me that it needed an additional 30 days to complete its research and provide a response. I relied on that representation and waited in good faith. More than three months have now passed. Although the company later mailed copies of certain documents, it never provided a final written determination addressing the issues raised in my dispute. Specifically, I have not been informed whether the investigation has been completed, whether my dispute was accepted or denied, or the factual basis for its conclusions regarding the issues I raised. Instead of providing a final written response, the company has continued sending collection and settlement letters while my dispute remains unresolved. I have made repeated efforts to resolve this matter directly with the company before filing this complaint. My request is simple : I ask the company to provide a complete written determination of its investigation, address the issues raised in my dispute, explain the basis for its conclusions, and clarify whether it considers my dispute resolved. I respectfully request the CFPB 's assistance in obtaining a complete written response from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am filing a formal consumer complaint against Wells Fargo regarding their institutional failure to provide reasonable consumer hardship assistance programs for students, as well as structural policies that place unfair burdens on vulnerable consumers. On Friday, XX/XX/year>, I proactively contacted Wells Fargo credit card customer service to report a temporary financial transition. I transparently informed the representative that I am returning to higher education as a full-time student and currently have an immediate personal income of {$0.00}. I explained that I have a pending state unemployment claim, but because it has not yet been processed or approved, my future income remains unconfirmed. I asked if Wells Fargo offered any student hardship programs, short-term forbearance options, or temporary interest freezes to help keep my account stable while my financial situation transitions. The customer service representative was polite and empathetic, but she explained that from her standpoint, company policy provided absolutely no options or programs to pause payments or freeze interest under these circumstances. I attempted to negotiate, asking for hypothetical scenarios of what programs might open up if my unemployment is eventually approved at an estimated survival rate of {$800.00} a month. The representative was unable to provide any specific hypothetical solutions or concrete future options, noting only that I would have to call back after approval, but that payments are still currently required by the system. While the agent was respectful and noted that she felt bad about the situational constraints, she ultimately stated that she was bound by rigid company policy. During our conversation regarding my inability to pay with a {$0.00} income, she inquired if I had family members who could step in to assist with the monthly payments. While I understand she was likely following a standard internal script to find a solution, a corporate policy that prompts agents to suggest leveraging a consumer 's personal relationships to satisfy a credit card debt during a documented financial crisis is inappropriate and places immense psychological pressure on the consumer. Forcing a full-time student with a verified {$0.00} income to choose between managing basic survival needs or facing immediate delinquency due to a lack of corporate relief options is a severe systemic failure. I am requesting an executive review of this account 's constraints, a temporary freeze on late fees and compounding interest during this academic transition, and a formal evaluation of Wells Fargo 's hardship forbearance accessibility for students in financial transitions.

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 2026-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
My personal information has been exposed in XXXX XXXX data breach which caused fraudulent information to be shared without my consent.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CapitalCredit LLC
State: FL

Complaint narrative:
Dont know about XX/XX/XXXX. I went to XXXXXXXX XXXX to purchase for cars between XX/XX/XXXX to XX/XX/XXXX and they sold all my cars to capital Credit LLC knowing that I had issues with the cars Ive been paying out-of-pocket to get the cars fixed. Ive been in communication with capital Credit LLC. They suggested that I could buy all the cars out four of them for XXXX. Ive been telling them that the car wasnt worth that but we could come up with some kind of agreement I did sent them {$300.00} to do a deferment on three of the cars because one out of the four is not delinquent when I decided I was not going to purchase the cars for {$25000.00} because one of the cars the XXXX XXXX XXXX completely cranked out on me they said well theyre gon na come and pick up all the cars I have to do all the cars and none of them. I told them they can not pick up my XXXX XXXX XXXX because their car is not delinquent and its not included in any of the deal that we Had. I didnt even do a deferment on that one and I wind up telling them theyre not gon na take my car cause their car is paid up until XX/XX/XXXX is like theyre trying to bully me into buying these cars that are no good or theyre threatening to take my car that isnt behind. I have spoken with them on numerous occasions on a recorded call. I would like to have my down payment back as these cars were sold with issues and I have been putting money into them. The only reason the XXXX XXXX XXXX is paid up. Its because I was doing a referral program and they were giving me {$200.00} each car and I bought them that many customers that they paid my car and some of the other cars up like I said Credit is now threatening to take my car that is not delinquent and is not given the issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 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: NY

Complaint narrative:
I am filing this complaint against my credit card issuer for improperly denying a billing dispute regarding merchandise that was never delivered. On two separate transactions totaling {$820.00}, the merchant ( XXXX XXXX ) failed to securely deliver the purchased items. The specific transaction amounts are {$95.00} and {$720.00}. I filed a formal billing dispute with my credit card issuer for " Merchandise Not Received. '' The card issuer automatically denied the dispute solely because the merchant provided a tracking number marked " Delivered. '' However, the automated review failed to evaluate the actual photographic evidence attached to that tracking number. The courier 's own " proof of delivery '' photo explicitly shows the packages abandoned on a public counter underneath a " FIRE COMMAND STATION '' sign in a heavily trafficked, public ground-floor commercial lobby in XXXX XXXX XXXX The packages were not delivered to a secure tenant mailroom, no signature was obtained, and building security never accepted them. The merchandise vanished. I contacted the merchant 's customer service and executive leadership to resolve the issue directly, and they failed to respond or offer a remedy. I then provided this clear photographic proof of non-delivery to my credit card issuer, but they still closed the dispute in the merchant 's favor. The bank failed to conduct a proper, human investigation into a clear-cut case of merchant non-delivery and billing error, leaving me responsible for hundreds of dollars of stolen merchandise that I never received. Desired Resolution : I am seeking a permanent credit adjustment to my account for the total disputed amount of {$820.00}.

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 2026-07-20 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: CO

Complaint narrative:
Subject : Violation of FCBA/Reg Z Dispute Protections and Unauthorized Electronic Fund Transfer ( Reg E ) Detailed Description of Issue : I am filing an urgent complaint against Citibank for severe operational failures regarding a fraud dispute, illegal migration of a disputed balance, and an unauthorized withdrawal of funds from my checking account. Original Fraud & Timely Reporting : On XX/XX/year>, an unauthorized fraudulent transaction of {$710.00} occurred at " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX' on my Citibank credit card. On XX/XX/year>, upon receiving a fraud alert, I immediately called Citibank, reported the transaction as fraud, closed the compromised card, and opened a dispute case. Improper Migration of Disputed Balance : Citibank initially issued a provisional credit and sent a replacement credit card. However, a few days later, Citibank erroneously migrated the disputed {$710.00} charge onto my brand-new credit card account. Misinformation by Citibank Representatives : I called Citibank to question why the fraudulent charge appeared on the new card. The representative explicitly stated that the case was still under investigation, that I did not need to pay the {$710.00} by the statement due date, and that my balance was protected while the investigation was pending. Explicit Reassurance Regarding Autopay : During that same call, I specifically asked the representative if there was any active Autopay on the new credit card that would trigger a deduction on the due date. The representative explicitly stated, " No, you do not have Autopay on this new card, and you will not be charged until the case is finalized. '' I never established Autopay or provided my external banking details for the new account. Unauthorized External Bank Withdrawal : Despite Citibanks explicit assurances, on the morning of XX/XX/year>, Citibank executed an unauthorized ACH debit of {$710.00} from my external Chase checking account. This constitutes a severe violation of the Electronic Fund Transfer Act ( Regulation E ) as I never authorized Citibank to draft funds from my Chase account for this new credit card, let alone for a disputed fraud balance. Fortunately, I called XXXX XXXX and XXXX intercepted and blocked the pending unauthorized transfer.

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX. XXXX XXXX, account number XXXX, original creditor XXXX XXXX, currently reporting as a collection account on myXX/XX/XXXX credit files with a balance of {$330.00}. On XX/XX/year> I sent a formal Method of Verification demand letter directly to I.C. System Inc via certified mail pursuant to FCRA 611 ( a ) ( 7 ) and 623 ( a ) ( 8 ) demanding the original signed service agreement between the consumer and XXXX XXXX, the complete original billing history and account ledger, and the original assignment or purchase documentation showing the transfer of this account from XXXXXX/XX/XXXXy to I.C. System. I.C. System failed to respond within the required 30 day window. No documentation was ever produced. This account is not reporting on XX/XX/XXXXindicating that I.C. System was unable to maintain this account on that bureau following prior dispute activity. A debt collector that can not verify an account on one bureau and fails to respond to a direct certified Method of Verification demand within 30 days has no legal basis to continue reporting that same account on other bureaus. The continued reporting onXX/XX/XXXXwithout producing any original documentation constitutes a violation of FCRA 607 ( b ) and 623 ( a ) ( 8 ) and FDCPA 1692e and 1692f.

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