vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Date : XX/XX/XXXX To : Transunion Unauthorized Collection Account Dispute To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the collection account listed on my consumer report. Account Information : Attached to This Dispute I do not recognize, authorize, or accept responsibility for this alleged debt. Pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., I request that you conduct a reasonable investigation into this account and provide competent evidence that I am legally obligated for this debt. Please provide : 1. A signed contract bearing my signature. 2. Complete account records establishing my liability. 3. Documentation showing the chain of assignment or ownership if the debt was transferred or sold. 4. Verification that all information reported is accurate and complete. If you are unable to provide sufficient documentation validating this debt, I demand that the account be deleted from my consumer report and that any collection activity cease immediately. Furthermore, if this account resulted from identity theft, mistaken identity, or unauthorized activity, I request that it be blocked from my consumer file pursuant to applicable provisions of the FCRA. Please complete your investigation and provide me with the results in writing. Any continued reporting of inaccurate information may constitute a violation of federal law. Thank you for your prompt attention to this matter. Sincerely, 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 2026-06-18 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: FL

Complaint narrative:
I am filing this complaint regarding Barclays Bank Delawares handling of my credit card dispute involving XXXX XXXX XXXX XXXX XXXX I disputed charges related to services that were not completed as agreed. The merchant represented that a comprehensive rodent exclusion and restoration project had been completed ; however, evidence later showed that major portions of the contracted work were never performed. I provided Barclays with supporting documentation, including inspection reports, photographs, communications with the merchant, and evidence showing that rodent activity and unfinished work remained after the merchant claimed completion. Since the original dispute, I obtained a new inspection from another licensed pest control company. The recent inspection confirmed that rodent activity still exists and further supports my position that the contracted services were either incomplete or ineffective. This additional inspection provides independent evidence that the original work did not resolve the problem for which I paid. The total project cost was divided between two credit cards. The remaining portion of the charges is currently being disputed with another credit card issuer, which is actively reviewing the evidence and working with me to resolve the matter. In contrast, Barclays has refused to continue its investigation. Despite submitting new evidence and requesting reconsideration, Barclays closed the dispute and advised that they had already reviewed the matter multiple times and would not reopen the investigation. Their refusal was based on the number of prior reviews rather than the substance of the newly submitted evidence. As a consumer, I believe I was denied a fair and reasonable investigation as required under the Fair Credit Billing 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 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has placed a hold on a check I attempted to deposit online. The check was issued by the XXXX Department XXXX XXXX Treasury. I contacted both the IRS and the Department XXXX XXXX Treasury, and a refund trace was initiated. I have also received a letter confirming that the check has been paid. However, Citibank is stating that the check is on hold pending IRS verification. They also informed me that they are unable to contact the IRS to verify the check. As a result, the funds remain inaccessible despite confirmation from the issuing authority.

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 2026-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I have received multiple letters, emails, and texts from this debt collector and I have told them I have not ever opened a XXXX XXXX account with them. I have contacted XXXX and they dont seem to know anything about this claim. I have asked Harris & Harris debt collection to stop contacting me and now they are contacting and harassing relatives and friends for a debt that I know nothing about. I have been with XXXX for over XXXX years. Not sure if someone has attempted to open an account using my name but I have never had phone service with XXXX. This is not okay. They sent a text message at XXXXXXXX XXXX today 's date Thursday XX/XX/year> that are trying to collect a debt 40 % off and if I do not respond or comply offer is off the table.

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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX records show my dispute was withdrawn and closed. Despite this, Citibank continues reporting an active Account in Dispute status. The dispute involved XXXX account, but Citibank reported the dispute status on both Citibank accounts. I requested correction, but the inaccurate reporting remains.

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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
" I am filing a formal complaint against CREDIT COLLECTION SERVICES ( CCS ) for severe violations of the FDCPA and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ). On XX/XX/year>, CCS initiated automated text collections regarding a XXXX account ( Reference File # XXXX ). I immediately submitted a formal dispute and a strict 'Cease and Desist ' demand, instructing the agency to halt all text and automated collection communication. Despite receiving clear, explicit notice to stop, CCS completely ignored my legal rights and willfully violated federal law by continuing their automated collection texts, demanding payment on an unverified debt. This continuous communication after a cease and desist order is a direct violation of FDCPA 805 ( c ). I demand an immediate investigation, that CCS cease all communication, and that this unverified, non-compliant account be completely deleted from my credit files immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Companies Involved : XXXX XXXX ( XXXXXXXX XXXX ) XXXX ( Card Issuer/Financing ) Timeline and Actions Taken : Transaction & Agreement : I hired Home Concept located in XXXX for a XXXX XXXX XXXX The total amount charged/financed for this project was {$2700.00}. Delay and Non-Performance : The company delayed the installation for two ( 2 ) months. After this extended delay, they completely failed to show up or perform any of the scheduled work. Attempted Price Increase & Cancellation : Following their failure to appear, the company attempted to demand additional money for the product. I rejected this unauthorized price increase, and as a result, the entire project, contract, and all associated permits were fully canceled. No products were ever delivered, and no services were ever rendered. Bank Dispute : Because XXXX XXXX refused to issue a refund for the canceled order, I filed a formal billing dispute with Citibank to reverse the charge for services and goods never received. The Current Problem : Despite the fact that the contract and permits were officially canceled, and despite clear evidence that I received absolutely nothing, Citibank has refused to reverse the charge. They are attempting to force me to pay for a {$2700.00} balance on a project that never even started. Citibank has failed to conduct a proper, thorough investigation into this blatant vendor non-performance, leaving me unprotected against a clear merchant violation. Requested Resolution : I request that Citibank permanently reverse the charge of {$2700.00} and close this dispute in my favor. I should not be held financially responsible for a service and product that were never delivered and an agreement that was completely canceled. Quick Tips Before Submitting : Upload Proof : When the CFPB portal asks for attachments, make sure to upload a copy of the canceled permits or any text/email showing the contract was canceled. This is the smoking gun that forces Citibank to re-examine the case. Specific Dates : If you have the exact date the charge hit your account and the date the permits were canceled, type them into the CFPB 's date fields to make the timeline bulletproof.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I get at least XXXX phone call a day sometimes XXXX. For the last 7 days they have left several voice-mails and it's a recording, not human. I blocked the number but they still leave voice-mails. I have no idea what type of debt or the amount they're referring to.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: CO

Complaint narrative:
I deposited a certified check a week ago. The check was placed on a XXXX day hold with no explanation. The check is for approximately {$7100.00}. This hold will cause me to incur late fees and overdraft fees. The bank refuses to release even a portion of the 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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. XXXX Systems : 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 2026-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX XXXXXXXX XXXX XXXX was legally parked in XXXX, New York. Early in the morning, I discovered that my vehicle had been severely damaged in a collision while it was parked and unattended. I immediately reported the incident to the police and to XXXX. After investigating the accident, XXXX determined that the other driver was at fault and accepted liability for the damages. My vehicle was declared a total loss. However, the at-fault drivers insurance policy had a limited property damage coverage limit. As a result, XXXX paid only {$14000.00} toward the loss. At the time of the accident, my loan balance was approximately {$30000.00}. After the insurance payment was applied, a remaining balance of approximately {$16000.00} remained on the account. My finance agreement contains a checked XXXX XXXX provision. I am attaching a copy of the agreement showing that the XXXX XXXX box is marked. Under the terms of my agreement and applicable New York law, I understand that I should not be responsible for the remaining deficiency balance following a covered total loss. An additional issue is that the insurance payment was mistakenly sent to me instead of directly to Wells Fargo. As soon as I received the funds, I contacted Wells Fargo, explained the situation, and delivered the funds to the bank. Wells Fargo accepted and applied the payment to my account. Despite this, a balance of approximately {$16000.00} remains, and Wells Fargo continues to require monthly payments. I have repeatedly asked Wells Fargo to honor the XXXX XXXX provision and provide a written explanation for why the remaining balance has not been waived. I filed a formal complaint directly with Wells Fargo under complaint number CMPP # XXXX # XXXX, but the issue remains unresolved. I am not requesting special treatment or debt forgiveness. I am requesting that Wells Fargo comply with the terms of my finance agreement and properly apply the XXXX XXXX provision. I respectfully request that Wells Fargo : XXXX. XXXX a full review of my account and finance agreement. XXXX. Provide a written explanation for why the XXXX XXXX has not been applied. XXXX. Apply the XXXX XXXX in accordance with the agreement. XXXX. Waive the remaining balance of approximately {$16000.00}. XXXX. Close the account with a XXXX balance. XXXX. Cease any collection activity related to the disputed balance while this matter is under review. Thank you for your assistance. Attachments : * Finance agreement showing the checked XXXX XXXX provision. * XXXX Total Loss letter. * Account statement showing the remaining balance. * Proof of the insurance payment applied to the account. * Wells Fargo complaint reference : XXXX XXXX XXXX XXXX XXXXXXXX.

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 2026-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: WI

Complaint narrative:
XX/XX/year> - Company name : Structured Settlement. Phone number : XXXX. They spoofed their number, used abusive language, and refused to send written proof. This is a direct violation of federal law. I was unable to set-up a payment plan due to the manner of their communication.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: OR

Complaint narrative:
My old XXXX account was closed by new owners. Now netspend. Supposed to receive my account balance via check. XXXX months later and being given the run around i have not received my check. Made multiple calls. Tried to speak to a XXXX and hung up on. They lie and steal and are fraudulent.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding transaction transparency, pending transaction handling, and account balance accuracy. On or about XX/XX/year>, I observed transactions affecting my available balance that were not displayed consistently within my account history. I completed similar transactions through the same source, yet they appeared differently in my account. XXXX transaction affected my balance but was not visible in the same manner as another comparable transaction. I contacted Regions Bank and requested an explanation. The representatives were unable to clearly explain why similar transactions were handled differently or why certain transactions appeared, disappeared, or remained pending. I was advised that some transactions may be returned, reprocessed, or handled differently by the merchant, but I was not provided sufficient information to independently verify the status of the funds. I am also concerned that pending transactions do not provide enough detail for consumers to determine authorization times, posting times, or the reason a transaction remains pending. In XXXX instance, a payment appeared to be posted by the receiving company while Regions continued displaying the transaction as pending. Because multiple balances are displayed ( available balance, projected available balance, and posted balance ), and because transactions can appear or change status without sufficient detail, I am unable to independently verify my actual available funds or fully trace how certain transactions affect my account. I am requesting a review of Regions Banks transaction visibility, pending transaction disclosures, account balance calculations, and transaction recordkeeping practices, as well as a written explanation of how the affected transactions were processed.

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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have been overcharged for an amount of {$730.00} by Credit Collection Services. I am only supposed to return an over refunded amount of {$100.00}. I have been in contact with both XXXX and Credit Collection Services back and forth with no resolution for months now. Credit Collection Services has also sent a paper collection notice which seems a red flag, with no instructions on the accepted mode of payments. I tried to reach out to their customer support and was told I can only pay via debit card XXXX or a XXXX credit card which an unpopular credit card. Vulnerable people can easily get frauded on how this company transacts business. I hope you do an audit on their policies and procedures on how they deal with their business to ensure safety of the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I want to close my Santander OpenBank account. I requested a transfer of funds ( {$50000.00} ) to a XXXX XXXX Account. The account set up to transfer was previously closed. They sent the transfer and XXXX XXXX immediately rejected it. I called Santander and said that they can not return my money until it is returned. It was never sent so I should still have access to the funds. Because of the limited and terrible customer service I decided to close the account. I asked to withdrawl all of the available funds I have left in the account ( about {$97000.00} ) except {$1.00} to keep the account open so that when the funds ( {$500000.00} for the transfer are released they can go back into the Santanter Open Bank Account. They cancelled my withdrawl request and are dening me access to all of my funds. I spent XXXX hours on the phone with no results. They refuse to escalate. I tried to link other accounts to this Santander Openbank account several times and they all fail. They told me to transfer my funds from my other accounts but I can't link any of my accounts because Santander will not link the accounts. Openbank Has the worst customer service in the world.

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 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have had my phone number since XXXX. This is 23 years. Wells Fargo has decided that my phone number is fraud. I am unable to send XXXX I get an error message to call Give us a call We need more info to make sure it's you. Have your account number handy when you call. Call XXXX Outside the U.S.? Call us toll-free using our international access codes. I called to complain they gave me a confirmation code to fix it. I called a week later, the issue is still unresolved.

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