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: I.C. System, Inc.
State: TX

Complaint narrative:
I was a victim of Identity theft in XXXX there were multiple accounts opened up in my name fraudulently. IC SYSTEMS is reporting a collection account that is fraudulent and I want to submit a formal complaint against them. have identified the accounts and now am able and have the spirit to fight this challenge and work on getting my life back. I work full time and raise a family and this has caused a great deal of stress on my family. Filed the FTC Fraud report and contacted the companies reporting the information as well as contacted the police. Please help me fight this and get my issues resolved. 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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I am filing this complaint because XXXX incorrectly created a negative account balance and sent the matter to collections after I received only the correct refund amount for an item that was never delivered to my address. On XX/XX/year>, I purchased a XXXX earpiece online for {$150.00} and paid through XXXX. The item was not delivered to me. After I contacted the delivery carrier, the carrier investigated and confirmed on XX/XX/year> that the package had been lost or delivered to the wrong address. I then contacted the merchant and provided the delivery information. The merchant refused to issue a full refund. Instead, the merchant only provided a partial refund of {$80.00}. Because the item was not delivered and the merchant refused to refund the remaining balance, I disputed the remaining amount with XXXX XXXX XXXX XXXX XXXX XXXX credited only {$72.00}, which was the exact unpaid balance after the merchants {$80.00} partial refund. There was no double refund. The math is simple : Original purchase amount : {$150.00} Merchant refund : {$80.00} Bank of XXXX XXXX : {$72.00} Total amount returned to me : {$150.00} Excess refund received : {$0.00} XXXX has treated the XXXX XXXX XXXXXXXX XXXX as if I received a duplicate refund. That is incorrect. I did not receive more than the original purchase price. I only received the exact amount needed to make me whole after the merchant failed to deliver the item and refused to provide a full refund. XXXX then turned this into a negative account balance and continued to pursue me for payment. The matter has now been sent to a debt collector, MRS BPO, which has contacted me by SMS. I do not know whether this has been reported to any credit bureau, but I am concerned that XXXX or MRS BPO may report or continue collecting on a debt that is not valid. I am attaching evidence showing that the delivery service confirmed the package was lost or delivered to the wrong address. I am also attaching my XXXX XXXX XXXX statement showing that XXXX XXXX XXXX credited only {$72.00}, which was the exact remaining balance, not a duplicate refund. I ask XXXX to correct this error immediately.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I affirm that the specified accounts were not opened by me and are not associated with my identity. Please delete them after review.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX months ago, I opened a Certificate of Deposit ( CD ) online with U.S. Bank and deposited {$1000.00}. U.S. Bank willingly accepted my funds from an out-of-market state ( XXXX ) where they do not operate physical consumer branches. Immediately after securing my deposit, the bank placed an administrative identity hold on the account. Over the past XXXX months, I have called U.S. Bank customer service and their fraud department a total of XXXX ( XXXX ) times to resolve this hold. Every single time, front-line representatives and supervisors have explicitly stated that there is " nothing else that can be done '' to lift the hold unless I physically walk into a U.S. Bank XXXX XXXX my physical ID. I reside in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). U.S. Bank does not have a single retail consumer branch in the entire state of XXXX. The nearest branch to my home is over XXXX miles away in XXXX XXXX XXXX. Expecting a consumer to travel out-of-state to correct an online onboarding error is an absurd, unfulfillable requirement. U.S. Bank has essentially held my {$1000.00} hostage for nearly a year by refusing to provide standard, remote compliance proceduressuch as a secure online portal link or a mail-in notarized identity form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b.Remove ; XXXX account XXXX date ; XXXX XXXX XXXX, XXXX account XXXX date ; XXXX XXXX XXXX, XXXX account XXXX date ; XXXX XXXX XXXX, Remove inquiries ; XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXX, XXXXXXXX XXXX date ; XXXX XXXX, Remove addresses ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 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: U.S. BANCORP
State: MN

Complaint narrative:
XXXXUS Bank/XXXX ongoing drama refusing to fix my fraud for XXXX hours for valid concerns from me because clearly theres some bitterness towards me for no reason so they banned XXXX to fix it which doesnt make sense they also spoke over me/talked over me while I was polite to them and saying thank you so I dont get it and it felt misogynistic towards female illustrators and XXXX because I am 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Continuent with the previous claim Dear CFPB : I have consulted other financial institutions. They all said that financial institutions are required to deliver XXXX annual income reports to their clients by law. No doubt of this rule and regulation. " Yes, it is the financial institution 's ( brokerage firm 's ) responsibilitynot yoursto generate and deliver XXXX forms for your taxable investment accounts. These are typically combined into a single document called a Consolidated XXXX. '' This is a quote from the internet. Merrill failed to deliver all my XXXX since the beginning. And, no other form of informing thru email, phone call, letters... etc. All the ACH transactions were " unauthorized ''. My XXXX account cash balance was showing " XXXX '' every time I went on the APP. Those dividend funds should remain in my cash balance which I should be able to see whenever I open my APP. But, they were " hiding '' for some reason. I didn't sell any of my stocks throughout the years, So this was a misleading cash balance from Merrill. I am their direct client. They should be directly responsible for my loss disregarding what BOA did to my account. Merrill should be the one to chase BOA for fraudulent account activities and steal money from their clients ' account. Not me to chase BOA. I have stopped all my banking activities with BOA since XXXX. This is an internal crime. My dividend was transferred out within two days of issue every time. Only people who manage this fund are able to do this so timely. BOA staff knows how much cash money to take out from my account because BOA and Merrill are merged already. Only their staff can help this happen. I can't even access the BOA app since XXXX. My access had been locked until right now. How can I set up this account and set up " overdraft protection ''????

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: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is regarding promotional code XXXX. I opened my account on XX/XX/XXXX and fully met the {$4000.00} direct deposit requirement during the XXXX tracking window. The account was closed by an automated system sweep for inactivity right after the 90 days ended. I am requesting a XXXX XXXX XXXX XXXX to have my completed {$400.00} bonus manually reviewed and paid out.

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 — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Renton Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINAL NOTICE OF DISPUTE AND PRE-LITIGATION DEMAND FOR VALIDATION To : XXXX XXXX XXXX XXXX. Registered Agent : XXXX XXXX Re : Alleged Debt Final Demand for Validation Prior to Legal Action I am writing regarding the alleged debt referenced in your correspondence dated XX/XX/year>. On XX/XX/year>, I sent a written dispute and formal request for validation of this alleged debt. To date, Renton Collections , Inc. has failed to provide any meaningful validation or documentation establishing : The identity of the original creditor A complete chain of title or assignment of the debt An itemized accounting of the amount allegedly owed Proof of authority to collect this debt Any contractual or billing records supporting the balance claimed XXXX

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 — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, an ACH XXXX transfer was made from my checking account to XXXX XXXX XXXX XXXX completely failed to render the real estate services agreed upon and is unlawfully withholding my funds. I filed a timely Regulation E dispute with Wells Fargo on XX/XX/year>. Wells Fargo summarily denied my claim ( Reference # XXXX ) based on the factually false premise that I attempted to cancel services prior to the transaction date. I never made any such attempt. This is a clear case of 'services not rendered. ' Wells Fargo is violating my Regulation E protections by refusing to properly investigate and failing to issue a mandatory provisional credit.

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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo regarding predatory overdraft fee practices. For the past XXXX months my account was charged at least XXXX overdraft fees totaling {$170.00} - These fees were triggered because Wells Fargo processed delayed merchant settlements simultaneously rather than in the chronological order of my spending and/or backtracked these transaction postings to the previous business day in order to artificially create overdraft fees by reducing the amount of time to cover the account overdrafts. This exact type of transaction sequencing manipulation mirrors the unfair banking practices Wells Fargo has been historically fined for by federal regulators. I contacted Wells Fargo customer support for the past XXXX months to contest these fees, and they have refused to reverse them. I am requesting a full refund of {$170.00} in overdraft fees. '' The attachments enclosed which are time present a correlation and portray a pattern of different events in the last XXXX to XXXX months. If each or some are explained, it will show how Wells Fargo is manipulating these transactions in order to create artificial overdraft 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 monetary relief
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: Monterey Financial Services LLC
State: TX

Complaint narrative:
Monterey Collection services are reporting an unverified debt on my credit report and completely ignored a Certified validation request. Request was sent XX/XX/year> receipt was returned XX/XX/year> and no response received as of XX/XX/year> but is still being reported on my credit report. I was recently denied credit, and I was never contacted or informed of the negative reporting of debt until notified through my credit monitoring.

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: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: GA

Complaint narrative:
I am writing to file a complaint against Nationwide Capital Services LLC regarding the collection of a debt originally from XXXX Bank ( operating as XXXX Personal Finance ). Original debt details : Original lender : XXXX Bank XXXX account : XXXX Original principal : {$3100.00} XXXX : 182.65 % Date originated : XX/XX/XXXX First payment due : XX/XX/XXXX Defaulted : XX/XX/XXXX Collection details : Current balance claimed by Nationwide : {$4700.00} This is a 54 % increase from the original principal No itemized breakdown has been provided Concerns : Conflicting collection entity identity : XXXX Bank XXXX XXXX notification stated the debt was sold to " Structured Settlement '' at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX However, my credit report shows the debt assigned to " Nationwide Capital Services LLC '' at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX. Both entities use the same phone number ( XXXX ). This inconsistency creates confusion about which legal entity owns the debt and is authorized to collect. Inflated balance : The collection balance of {$4700.00} represents a 54 % increase over the original {$3100.00} principal. Nationwide has not provided clear documentation showing how this balance was calculated, including how interest at the original 182.65 % APR has been applied to a defaulted account. Lack of debt validation : Despite this debt appearing on my credit report and active collection activity, I have not received complete debt validation documentation including the chain of ownership from XXXX Bank to the current owner. Predatory underlying loan : The original loan from XXXX Bank carried an APR of 182.65 %, which I now understand is at the extreme end of legal lending rates and was marketed to me during a period of financial vulnerability. Requested resolutions : Full debt validation documentation including chain of ownership Itemized breakdown of how the balance grew from {$3100.00} to {$4700.00} Clarification of which legal entity ( Structured Settlement vs. Nationwide Capital Services ) actually owns this debt Review of whether the collection activity complies with FDCPA requirements Consideration of reduced settlement given the inflated balance

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
I requested the final closing disclosure from New American Funding and loan terms XXXX weeks prior to closing and didnt receive it until XXXX business day prior to closing after persistent demands for it. The agent, XXXX XXXX, never locked in the rate while doing the pre-qualification applications and ended up giving us a 7 % rate after making false promises that it would go down while the national average was 6.3 % at the time. Loan agent also made false claims that I would be receiving a XXXX XXXX grant which was never awarded after multiple conversations addressing it and requesting for that information to be provided in writing which it was not until I started communicating via text messages with the agent and was able to obtain that information in text messages. The agent was trying to charge me about {$140000.00} for closing when closing shouldve been around {$120000.00}. I had to request for a manger and continue my loan process with them instead because of all the lies the agent had sold me on. Unfortunately the buyer had a property purchase lined up and could not wait any longer as they needed the funds from my trash to complete theirs so they decided to give up {$5000.00} worth of concessions for the deal to go through on the scheduled date. The XXXX officer, XXXX XXXX, was a straight up shark and scammer, he should have his license revoked for feeding lies to his clients to get them trapped just like it happened to me. I had to close on the house because not only was I going to lose the property but also my {$5000.00} escrow which I could not afford to, given that Im pregnant. This man took advantage of a pregnant healthcare worker to make a few bucks. This is very wrong and fraudulent, and I hope they see repercussions of these actions. The manager, XXXX XXXX, was embarrassed of the mess his employee made and had to reach out to their director to adjust fees and make the closing cost closer to the real numbers but that didnt help much given the timeframe from closing. They just could not help the situation after what was done. I did reach out to other lenders and they showed us the numbers shouldve been around {$120000.00} for closing with a 6.3 % rate given my credit history and with the ability to offer a 5.3 % rate for the first year as many other clients had received. This lender is a shark lender for public sector workers who just want a bit of help and guidance when buying their first property. I will be looking around to refinance my mortgage as soon as I get the chance to. I will also advice everyone I know about this lender and how theyre looking to take advantage of everyone they come across.

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have two Citibank XXXX XXXX XXXX credit cards, the first with a credit limit of {$40000.00} and the second with a credit limit of {$26000.00} for a combined credit limit of {$66000.00}. I wanted to close one of the two accounts and transfer a portion of the credit limit from one card to the other. I wanted the result to be one card with a limit of {$50000.00}. Thus reduces both credit risk and credit exposure for the bank and means they have to reserve less against my account. Citibank refused to do this. They would close the card I wanted to close, but would not increase the credit limit of the other - even though the combined credit limit was considerably less than what I have now. I believe this is being done to keep a credit card unnecessarily open in order to collect the annual fees for two cards rather than just one.

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 — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding Wells Fargos refusal to provide relief from multiple overdraft fees despite my current financial hardship. I have been a Wells Fargo customer for over 12 years, since I was XXXX years old, and am now XXXX. After being unemployed for approximately XXXX months, I recently started a new job. My first paycheck was approximately {$500.00}. Due to XXXX overdraft fees of {$35.00} each, along with my negative account balance, my account is currently approximately {$400.00} negative. Wells Fargo informed me they could only waive XXXX fee because I had reached the maximum number of fee reversals allowed within a XXXX-month period. I explained my circumstances, requested a one-time courtesy exception, and emphasized that these fees create a significant financial XXXX. After speaking with management, my request was still denied. As a long-term customer, I am disappointed that Wells Fargo was unwilling to consider my individual circumstances. The remaining fees will leave me with very limited funds to cover basic necessities for the next XXXX weeks until my next paycheck. I am requesting that Wells Fargo review my account and consider providing additional overdraft fee relief as a one-time courtesy based on my long customer relationship and current financial 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 monetary relief