vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My husband owns a business and he contracts, roofing and siding, and he gets very large checks from homeowners and one check was pretty large and was trying to make sure that it was a real check because the people were acting strange. Bank of America told him to confirm with the bank that the check was from that it was a real check and that he should be fine to deposit it so he did the bank that the check was from confirmed it was real, so he deposited the check into Bank of America. It went in, but then went back out. None of the money was touched or anything at all, and then they without notice decided to close our bank account and not allow me to withdraw my only money from them. They told me I had to wait until they mailed a check to me when the account officially closing, which makes it even longer for me to have access to my money due to placing a check into another bank and waiting for that to clear I kept calling trying to figure out a different way to pull out my money they said they put in request for me to pull it from a physical bank, but it was denied then they told me my savings account was not being closed so I could pull the money from there so I switched the money over from my checking to savings went to the bank and they denied me pulling it out. I then called again to find out why I couldnt get it from my savings. They said there was restrictions on it and that they requested to remove it while I waited three days called back and they told me that they are now closing my savings account as well. Were also being told that were not allowed on the Bank of America property and my paycheck that was supposed to go into Bank of America got reversed and so Im completely without money because of something we totally called them for they told us it would be OK to deposit this check because he confirmed that it was real and then it got reversed and now they close our bank account keeping us from our money. We have children that we need to take care of and bills need to take care of and now we have no access to our money and now were being told. We cant be on the premises all over something that we went through the steps of confirming that it was OK to do.

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 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a member of the XXXX XXXX XXXX on XXXX XXXX. On XX/XX/year>, I spoke with a Navy Federal Credit Union representative on the phone regarding a loan application. During that call, I specifically asked if I would be eligible to apply XXXX XXXX XXXX XXXX XXXX XXXX XXXX benefits to this loan while serving on XXXX XXXX. The representative explicitly told me that I could apply for and receive these benefits. Based on that clear verbal assurance, I completed the loan application. However, after submitting my request, XXXX XXXX denied my XXXX benefits. I have since contacted XXXX XXXX and asked for a copy of the phone call audio recording or transcript to prove what their representative promised me. They have failed to provide it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I refinanced my car loan with my XXXX XXXX. Wells Fargo was the company that the dealership used, I paid them off and refinanced at my bank. My bank sent out the payment for XXXX, XX/XX/XXXX and this check was cashed XX/XX/XXXX. The Wells Fargo XXXX says they will not reimburse because they don't have it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

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 XXXX XXXX and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant XXXX and XXXX, affecting my XXXX XXXX and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On Friday, XX/XX/year>, an unauthorized withdrawal of {$2000.00} was taken out of our savings account. We were not aware of this incident. On Saturday, XX/XX/XXXX at XXXX XXXX, we received an email from Wells Fargo asking us to do a survey of the recent visit at XXXXXXXX XXXX XXXXXXXX XXXX branch on XX/XX/year>. The email was sent on Saturday and after hours. We do not conduct any type of transaction at this branch and have never done so. We checked all accounts and this is when we noticed {$2000.00} in our saving account was taken from the account. On Monday, XX/XX/year>, we contacted Wells Fargo to dispute the transaction. We were advised that the investigation would take 710 business days. When we followed up on Wednesday, XX/XX/year>, we were informed that the transaction was deemed authorized and our claim was denied. No further explanation was given or instructions on how to re-dispute or what actions we can take to expedite this matter. We asked Wells Fargo to provide proof of the person who was at the counter conducting the withdrawal transaction inside the branch. Again, we did not authorize this withdrawal transaction. Based on Wells Fargos standard procedures a debit card and PIN are required on withdrawals it is unclear how this withdrawal could have occurred without our debit card and PIN. The withdrawal has been illegally processed at the XXXX XXXX XXXX XXXX branch. We subsequently filed a police report regarding this matter. Two supporting documents are attached for your 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 monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account being reported by I.C. System for an alleged XXXX XXXX XXXX debt of approximately {$360.00}. I have never had any XXXX XXXX XXXX account of any kind. I have never opened, authorized, or used XXXX XXXX XXXX wireless service, internet service, or any other XXXX XXXX XXXX product. This account does not belong to me. After being contacted by I.C. System, I informed them that I did not recognize the account and requested documentation proving that I opened or authorized the alleged AT & T account. I specifically requested evidence such as the original application, service agreement, signature, electronic authorization, billing records, or service address associated with the account. I.C. System failed to provide any documentation proving that I opened or owned this account. During a phone conversation, I informed them that if they could not provide proof, I would report the matter to law enforcement as potential identity theft. The call was then ended, and no supporting documentation was ever provided. Despite the lack of evidence, the account was placed into collections and continues to be reported against me. I believe this account is the result of identity theft or fraudulent activity. I am requesting that I.C. System provide verifiable proof that I personally opened or authorized the alleged AT & T account. If they can not provide such proof, I request that this collection account be immediately removed from my credit reports and that all collection activity cease. I am seeking a correction of my credit file and a fair investigation into 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 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Regarding a credit score mistake I was enrolled in a autopay and paid a {$250.00} payment for my credit line with current visa credit card. My score went from XXXX to XXXX = XXXX. I need to know the reasoning and a clear correction on this error I have never missed a payment and this is my only credit card. This affected my TransUnion 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 2026-06-15 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/year> I was given a XXXX {$100.00} XXXX XXXX XXXX several months ago from my father. He purchases multiple cards to earn fuel points and save on his gas. He generally doesn't hang onto receipts. I tried using the XXXX {$100.00} XXXX XXXX XXXX to purchase items at XXXX XXXX grocery store. The gift card would not process ; I called customer service and was told that I needed to submit a copy of the front and back of the card and my driver 's license for verification. I tried using the website to complete this verification process from my XXXX XXXX and was unable to access the website. I then called back and spoke to a supervisor, and she indicated that the card was being claimed by multiple people and that to ensure I was the legal card recipient and not a fraudster, that I would need to submit the required documentation. I looked up info on the XXXX XXXX {$100.00} gift card and the XXXX complaints for this same situation were numerous. I saw this posted as a solution to my issue and felt better filing this complaint then possibly sending my personal info to a scam.

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 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXXXXXX XXXX XXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
I took out a high interest loan not fully anticipating the fees and interest and struggled to pay the bi weekly amount. I called multiple times for refinancing options and was informed that I do not qualify. The interest is usurious and they make it nearly impossible to catch up. I owe far more than I borrowed and customer service just wants to know when I can make a payment rather than working with 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 explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a checking account with Bank of America. XX/XX/XXXX I took out an auto loan with Bank of America XX/XX/XXXX XXXX ( sole provider ) got deported and I was working and taking care of my kids while making ends meet to provide for my kids. I sold a heavy equipment we had and paid the truck note XXXX months in advance, to avoid not being able to pay due to making very little while dashing. XX/XX/XXXX I couldnt make the car note due to no job, or barely making enough for rent m, food, etc XX/XX/XXXX I was in a car accident ( not at fault ) in my dads vehicle. I contacted a lawyer for personal injuries and pain XX/XX/XXXX car was repossessed XXXX XXXX I deposited the check from my personal bodily injury lawsuit settlement. Bank showed funds would be available XX/XX/XXXX. Came XX/XX/XXXX and not available, they said still processing and only gave me {$100.00} available from that check deposit. On XX/XX/XXXX I logged back into my account and the check no longer said processing not it was processed and stated DEBIT FOR CHARGED OFF ACCOUNT FDES XXXX XXXX XXXX So I called my bank to ask where didnt check funds go and XXXX XXXX From Utah said that it was debited to a charge off account that was closed. So, I asked to speak to recovery and/or recovery department, she stated they were close and will open on Monday. She gave me a recovery department number to call. XX/XX/XXXX I called customer service and XXXX, from Alabama transferred me to XXXX Department. XXXX from XXXX Department couldnt help, because he said my account is showing Active, so he transferred me to XXXX XXXX Department. XXXX XXXX from XXXX XXXX Department, could see my account, but couldnt get any access to it, and kept putting me on hold and finally said XXXX transfer me to XXXX department. XXXX XXXX from CO department said this an attempt to collect a debt of {$18000.00}. I told her the funds the took from me were from a Texas personal injury lawsuit settlement, which is exempt under Texas law, and I am formally disputing the set off and XXXX demanding the immediate return of exempt funds. XXXX then said okay, let me speak to my back up team and get back to you. She came back and asked me if why I stopped making car note payments, I told her loss of work. She stated that in XX/XX/XXXX they makes a letter to attempt to communicate with me, but I didnt respond. I asked what address they sent it to, she gave me an old address. I told her I attempted to collect funds not allowed and you couldnt, so I will proceed with what I have to do.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding Bank XXXXf Americas handling of a fraud claim involving unauthorized transactions on my business account. Multiple consecutive transactions of {$31.00} were posted to my account without my authorization. I immediately reported the transactions to Bank of America and filed Claim Number XXXX. Bank of America initially opened a fraud investigation but later denied my claim, stating that the transactions were conducted in person using my PIN. This conclusion is incorrect. I did not make these transactions, did not authorize anyone to make them, and no one had authorized access to my debit card or PIN. The transactions allegedly occurred at a XXXXXXXX XXXX XXXXXXXX location in XXXX XXXX, New York. I have never visited this location and have never conducted any business there. A police report was filed regarding this fraud ( XXXX XXXX XXXX ). Bank of America failed to conduct a reasonable investigation. The bank had the ability to contact the merchant, obtain surveillance footage, review transaction records, and verify the identity of the individual who conducted the transactions. To my knowledge, Bank of America did not take these steps and instead denied my claim without properly investigating the facts. As a result of Bank of Americas improper handling of this matter, my account became overdrawn and negatively affected my finances, including a payment that was scheduled to be made to my XXXX XXXX XXXX XXXX XXXX. I am requesting that Bank of America conduct a proper investigation, review all available evidence, and reimburse the funds associated with these unauthorized transactions.

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 2026-06-15 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: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SERVICEMAC, LLC
State: VA

Complaint narrative:
The loan assumption process for my home purchase began in XX/XX/XXXX. A buyer put an offer in on XX/XX/XXXX with the condition for a loan assumption of the current FHA loan. Currently the loan is through XXXX XXXX XXXX and serviced by Service Mac. The loan assumption is processed by Service Mac. The requisite files were submitted for initial review to Service Mac by buyer and seller in XXXX. The file did not make it to Underwriting review until XXXX of XXXX. The file further did not make it through initial underwriting review until XXXX of XXXX. Many complaints have been made to Service Mac regarding the process and I have had to make two mortgage payments while waiting for this process to end and close. Service Mac has been very delayed in any updates and keeping me informed in the process. We are now 6 months into a process that usually only takes 120 days max and we are still waiting underwriting to finish. They have been absolutely terrible to work through this process and have put me in a tough financial situation.

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