vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: NE

Complaint narrative:
Starting of XX/XX/year> U.S. Bank, this paid my XXXX bill by only paying 10 % this put me into cancellation without my knowledge. In addition XXXX refunded me a {$1700.00} check which I had called the bank multiple times and they assured me that that was correct. Two months later I find out that my insurance was gon na be canceled and by the time we corrected it they put me on a higher risk insurance because it had been canceled by the payer so there are two screw ups in escrow right there of course my calculate payment was wrong because of this as well and so the following year I had a shortage of {$4200.00} which I took care of I also had to change insurance companies because they ruined my relationship with Nationwide because they didnt pay the bill once again. That was their error. I had changed insurance companies and since XXXX XXXX I have had insurance on my house now for whatever reason US Bank has no record that I have insurance nor that I have paid back both the XXXX as well as XXXX, which was the refund for XXXX my new insurance is from the XXXXXXXX and my insurance agent told me it was {$1700.00} which they had sent to US Bank and US Bank still claims they dont have it I have spent from last XXXX till today almost Daily on the phone trying to correct their accounting mistake. They continually send me statements that are incomplete. For instance, when I got my statement showing my escrow, they homogenized all the entries that were credits for the month together, and all the debits that were occurred in one month together that is not a proper statement I need to see a statement that shows exactly how much and each time came in and out like any other account ledger I believe this is an adequate display of accounts payable and receivable through my escrow account when I call the customer service rep, they could break it down, but I cant do it myself on the statement they send. I took out the wall approximately 10 years ago and in 10 years XXXX the life of loan they have screwed up my escrow XXXX times within a year and a half

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am a customer of Bank of America. I tried to make a wire transfer in USD to another USD account I own ( it's a USD account at an XXXX XXXX XXXX XXXX is XXXX but it offers multicurrency accounts, including USD ). My XXXX USD account can receive wires in USD. It has received many of them over the years. The latest one was less than a month ago. Bank of America does not allow me to send USD to that account. Instead, it keeps suggesting I make the transfer in another currency. They clearly have an interest : their fee on a USD wire is XXXX dollars, while their spread on currency exchange is 3 % -> they make A LOT more money if I change into another currency within BofA , then transfer. I believe what they are doing is illegal. They fake the existence of a technical problem, in order to increase their revenues. I tried transferring USD to a XXXX account as well. And I get the very same error message. The problem is NOT with my other accounts. The problem is with BofA.

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 2026-06-23 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 XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, Remove inquiries ; XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; XXXX XXXX XXXX, XXXX XXXX date ; 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 2026-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: WA

Complaint narrative:
On XX/XX/year>, I was contacted by a representative calling from XXXX, claiming to represent an agency associated with the email address XXXX. The company is attempting to collect an alleged debt of approximately {$4000.00}. This alleged debt does not appear on any of my three official credit bureau files ( XXXX XXXX, or XXXX ). During the initial contact, the representative subjected me to intense high-pressure tactics, demanding immediate payment on the spot and refusing to allow me time to review the claim. When I stated I could not pay immediately and needed to investigate, the representative hung up on me. I called the number back and reached a female representative. They sent an email containing an unrecognized account number and a supposed loan agreement. They stated that because the account was late, they were immediately sending it to legal arbitration, threatening that I would owe significantly more money if I attempted to exercise my right to dispute it. When I called back to state my formal dispute and verbally request that all validation paperwork be sent via physical, certified U.S. mail, the representative actively argued with me. He claimed that they " were not a collections agency '' in an apparent attempt to misrepresent their legal identity, evade federal regulations, and bypass standard consumer verification requirements. I am filing this complaint because this company is using deceptive labeling, aggressive high-pressure threats of immediate legal/arbitration penalties, and artificial time crunches to intimidate me into paying an unverified debt while actively attempting to dodge federal consumer protection laws.

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 2026-06-24 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: Albert Corporation
State: TN

Complaint narrative:
I attempted to close my account wigh Albert app complete nightmare I requested by email to close text the 5 digit number requested closure of account. I instantly removed all my accounts I linked and removed access deleted the app. Two months after I have charges from the app for XXXX for ( genius ) I have no idea what that is, I instantly tried calling cant find number so I text the 5 digit number online I realized they still have access thru ach to my business account and they were still trying to charge 2 other accounts I for same exact thing. I was told over 2 weeks ago my account was permanently closed and my refund was going to be mailed to me as of today I have no refund I text asking why XXXX requested again for list of all charges attempted on all my accounts they act like I didn't request for that an keep telling me they escalated my claim. Ive ask for details on how I agreed to sign up for this genius thing they charge XXXX for 3xs on account I removed access months ago no reply no transaction list only thanks for your patience they are sorry an escalated claim. In thr files uploaded it says cancel subscription in certain time I canceled immediately I tried they can not explain why it did not cancel they can not explain why all my accounts they are trying to repeatedly charge they refuse to send list of transactions charged to my accounts without permission I never agreed to this genius nonsense definitely didn't want them drawing money for some savings thing I have been nice an respectful patient but its went way too far an they don't really care it seems

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint concerning collection accounts that have been reported on my credit report but do not belong to me. As someone who regularly monitors my credit history, I was surprised to discover these accounts, as I have no knowledge of them and have never authorized or entered into any agreement related to them. The presence of inaccurate information on my credit file is concerning and may negatively impact my financial standing. I respectfully request a thorough investigation into these accounts and ask that any information found to be inaccurate or unverifiable be corrected or removed as soon as possible.

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 2026-06-24 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: IL

Complaint narrative:
i come to notice a third party debt collector have reported a fraudulent account to my consumer report, i have reached out to this company which is I.C. System INC and requested signed contracts between me and them, and also to inform them that this account was opened fraudulently as i am a fraud victim, this company haven't given me the option to opt out which is mandatory according to law, this company I.C. SYSTEM INC also doesn't have any paperwork showing that i have given anyone consent to share or sell my information with any third party companies nor any company with no valid signed contract, so this company have committed several FCRA violations as well as XXXX compliance rules violations ACCOUNT NUMBER : 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 2026-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I visited an XXXX XXXX in XXXX, XXXX, where I was told by the dentist at the time that I needed my bottom teeth pulled I had them pulled, and I also had them form a lower denture for me. The lower denture they form for me did not work I went back several times with it to complain about it. They never fixed it. They never did anything but try to adjust it. It was unusable to this day. I still can not use it. I had identify financing in house with them, and after not being able to use the product that I was paying for I tell them that I was not going to make any other payments until they agreed to either replace it or refund the money that I had spent on getting this done. They have now turned over the bill to accompany called tell collect which have now made a XXXX inquiry on my credit report. I receive no notification in the mail from this company about this an earlier today I received the first phone call from them, which I was not able to speak with the representative on the phone because I was at work. My plan was to try to contact them tomorrow and explain the situation to them. This has been going on now for well over a year and since then I had to get another denture made at another facility and it was a proper denture made by the other facility, and it was a fraction of the cost of what XXXX XXXX had charged me I will be contacting the XXXX XXXX XXXX as well and I will talk to an attorney about a faulty product because they refuse to speak to me when I call there. They tell me this is not their problem anymore and they hang up the phone.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding Citibanks closure of my credit card accounts. Citibank closed my Citi XXXX XXXX account ending in XXXX and my Citi XXXX XXXX account ending in XXXX on XX/XX/2026. After I requested an explanation, I received a written response from Citi Executive Response Unit dated XX/XX/2026. In that letter, Citibank stated that my accounts were closed because they had discovered information that I was indicted of operating a drug distribution network. This statement is false. I have never been indicted, charged, or convicted of operating a drug distribution network or any similar offense. I am deeply concerned that Citibank may have relied on inaccurate information, mistaken identity, or erroneous third-party data when making this determination. I request that Citibank : 1. Identify the source of the information used to make this determination. 2. Confirm whether the information actually relates to me. 3. Provide any consumer reporting agency or third-party source relied upon in making this decision. 4. Conduct a reinvestigation of this matter. 5. Correct any inaccurate records associated with my name. 6. Provide a written explanation of their findings. I am concerned that false criminal information may exist in databases used by financial institutions and request a thorough review of this matter. I have attached a copy of Citibanks written response.

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 2026-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Guild Holdings Company
State: OR

Complaint narrative:
Since my Husband 's death, beginning in XX/XX/XXXX I have communicated with Guild Mortgage every month. I have asked for information on making a payment to reduce the principle. In XX/XX/XXXX, I sent Guild a cashiers check for 99 % of their monthly demand. They sent that check back to me, then claimed I owed late fees! No response to my detailed letter containing my questions. I learned only in XX/XX/XXXX, after making a large payment, that my payment had to be $ XXXX or more to actually reduce the monthly charge. Since it was not " large enough '' ; no change in the monthly. Why is the premium so much higher while the principle reduction is negligible? I have asked why they demand {$1400.00}, when the monthly principle reduction on their statement is just {$280.00}. I have asked them to show my name on the loan account. They are still sending invoices to XXXX XXXX, who can not respond. Guild Mortgage has received four letters from me by post, requesting communication and answers to my questions. I have heard from Guild only demands for my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: PA

Complaint narrative:
Wells Fargo was not able to keep my money secure in my account. Someone hacked into my bank account, stole money, and Wells Fargo is trying to blame me for it. The transaction happened in a different location from my own and I submitted documentation of my location before/during/after the fraud happened. Wells Fargo is still saying that it was me. I spoke with family and friends who have Wells Fargo and they said that this type of thing happens all the time with Wells Fargo. They are unable to secure my account and they did not protect my funds and I am being blamed for 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 explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> PENN CREDIT CORP Re : Request for Debt Validation To Whom It May Concern : I am responding to your attempt to collect an alleged debt in the amount of {$160.00}. I dispute this debt and request validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not believe this debt belongs to me. Therefore, I request that you provide the following information : 1. The name and address of the original creditor. 2. The account number associated with the alleged debt. 3. Copies of any documents bearing my signature showing that I agreed to assume responsibility for this debt. 4. Documentation proving that I am legally obligated to pay this debt. 5. A complete payment history and itemization of the amount claimed, including any fees, interest, or other charges. 6. Proof that your agency is authorized to collect on this debt. Until you provide the requested validation, I demand that all collection activities cease and that this account not be reported, or if already reported, be marked as disputed with all consumer reporting agencies. If you can not provide sufficient evidence that this debt belongs to me, I request that you immediately cease collection efforts and remove any related information from my credit reports. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX 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 2026-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA who XXXX in past + XXXX XXXXXXXX or fdic fined XXXX for fraud waste abuse if military veteran XXXX members money laundering and more over the past XXXX years fintech interface is broken in XXXX glitching preventing human contact fed violations of my XXXX XXXX XXXX XXXX XXXX XXXX credit # XXXX photo id vetted available upon request to cfpb CA AG XXXX XXXX new CA XXXX state statues on XXXX agenic ml llm via XXXX XXXX so agents violations ada Access accommodation violation Unable to report to human staff at USAA by phone XXXX trys by toll free line to report inability to sign up for complimentary credit monitoring on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX postpaid carrier account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX photo recon aka drones XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX developer XXXX XXXX XXXX XXXX XXXX XXXX glitch detector faiker to onboard as XXXX their website is not XXXX XXXXXXXX compliant XXXX XXXX blocking my checking calling a box to select the product can't report to humans due to ivr XXXX agent blocking contact this is illegal now under new CA stste statutes XXXX XXXXXXXX XXXX scrape research id like to submit this under XXXX XXXX # whistleblower No Fear Act statutes as fraud waste abuse if public members of Usaa federal savings bank on behalf of XXXX XXXX XXXX families offshore denied sccess as well by badly coded ai @ USAA in emergency situations ie XXXX XXXX which may become life threatening due to usaa mgnt corporate wyedt to place machines ai savings over humans as a federal XXXX XXXX lenders rep for XXXX finding XXXX XXXX FEMA direct lender federally vetted rep XXXX XXXX % service connected XXXX XXXX XXXX with XXXX XXXX XXXX please to testify deposition against USAA corporate here in XXXX XXXX XXXX XXXX XXXX CA XXXX im legally competent a state of CA XXXX XXXX XXXX XXXX witness victim XXXX XXXX XXXX XXXX XXXX XXXX with a business XXXX XXXX in coding and finance online XXXX duns est XXXX subprime / youth / consumer advocate volunteer competent consultant federal government 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 2026-06-24 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am filing a formal complaint against Barclays for corporate negligence, systemic customer barriers, and severe consumer distress regarding an active fraud investigation under Case Number XXXX. On XX/XX/year>, my identity was compromised across separate banking institutions. XXXX XXXX acted responsibly, immediately identifying and blocking multiple unauthorized charges on my business account. Barclays, however, summarily denied my initial fraud claim. They completely failed to contact me during their original investigation to ask for details, clear up timelines, or obtain my statement before closing the file. Because of this negligence, I was forced to initiate contact with Barclays five separate timesincluding phone calls on XX/XX/XXXX and XX/XX/XXXX, an online chat, a secure portal message sent last night at XXXX XXXX, and a final 30-minute phone barrier today just to force them to reopen the file. During the call on XX/XX/year>, the agent initially gave conflicting information regarding whether a police report was required to process my appeal. I had to persistently question the agent to extract a clarification, where they finally admitted on the record that a police report is strictly a recommendation and not an internal requirement. Throughout this adversarial process, Barclays repeatedly shifted the burden of proof onto me and treated me like a criminal rather than the victim of a crime. I have since secured unshakeable cross-bank documentationincluding an exact merchant and dollar match ( {$270.00} at XXXX XXXX XXXX ) blocked by XXXXproving an unauthorized third party held my missing credit cards while I was at work. Barclays ' hostile and silent administrative process has caused severe emotional distress and wasted hours of my professional time.

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