vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TX

Complaint narrative:
I am submitting this complaint because my prior CFPB complaint regarding this matter was closed after NetSpend provided a response, but the underlying issue remains unresolved. This matter involves disputes related to two separate merchants : XXXX and XXXX XXXX XXXX. Both merchants independently confirmed that chargeback/refund recovery activity occurred on XX/XX/year> and XX/XX/year>. I have provided documentation supporting these statements. Since filing my original complaint, NetSpend has repeatedly provided inconsistent and contradictory information regarding the status of these funds. Specifically : NetSpend representatives have stated that no funds were received. At the same time, NetSpend continues to state that a chargeback investigation remains active. NetSpend has failed to explain how two separate merchants can independently confirm recovery activity while NetSpend maintains that no funds were received. NetSpend has failed to answer whether any funds have been recovered from either merchant. NetSpend has failed to answer whether any recovered funds are currently being held pending completion of the investigation. NetSpend has repeatedly referenced Regulation E and provisional credit despite my complaint not being about provisional credit eligibility. NetSpend has now extended the investigation timeline until XX/XX/year>, more than two months after my original complaint and after weeks of communications regarding this issue. The central issue is not provisional credit. The central issue is that NetSpend has not provided a clear accounting of the disputed funds and has not reconciled the contradiction between merchant-confirmed recovery activity and NetSpends continued assertion that no funds were received. I am requesting that NetSpend provide a direct explanation of the status of these funds and answer the questions that have remained unanswered despite multiple complaints, escalations, and supporting documentation. At this time, the matter remains 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
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, between XXXX AM and XXXX PM, I went to make a cash deposit at a TRUIST ATM ( Terminal XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Truist is my bank. I inserted my debit card and selected the cash deposit option. I initially deposited {$1.00}, as I had never made a deposit this way before, and I did so because it was Sunday and the bank was closed. After seeing how the process worked, I inserted the rest of my cash, which was {$800.00}. I recorded a video showing the cash and how I deposited it into the ATM. I recorded that video just in case something happened, to have proof of what occurred, since, as I said, I had never made a deposit that way before. ( The video I have is too large to attach along with the other files. Can I send it by email? ) Then the ATM gave me an error message saying " ITEMS NOT ACCEPTED, TAKE ANY RETURNED ITEMS. '' The problem is that no items were returned. The ATM then said, " We have stored your money in a safe place, '' and then printed a receipt that said, " We apologize, there was an ATM error and your deposit did not process. '' Immediately I call the phone number on my debit card and open a claim with TRUIST. Claim # 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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I paid a merchant for a vehicle detailing service that was not completed to a reasonable standard. I documented the deficiencies with photographs and promptly notified the merchant. The merchant acknowledged the issues and agreed to return to correct them but failed to do so.I requested a refund from the merchant, which was denied. Even after sending the proof before 24 hours complying with the merchants Terms and Conditions. I then filed a dispute with USAA under non fraud/ service not received and provided photographs and written communications supporting my claim. USAA denied my dispute multiple times. With investigations starting from XX/XX/year> to now XX/XX/year>. During the dispute process, I repeatedly requested documentation and information regarding USAA 's investigation and the basis for its decision. Despite these requests, USAA never provided the requested documentation or a meaningful explanation of how it evaluated the evidence I and the merchant had submitted. I respectfully request that USAA 's handling of this dispute be reviewed, that I be provided the documentation and information I previously requested regarding its investigation, and that my dispute be reconsidered and the disputed funds refunded.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
The last time I used my credit card was on XXXX. I noticed some charges on my account some time after from XXXX XXXX totaling {$290.00} dollars. The charges were made on XXXX XXXX different charges on the same date. I was never notified by Total Visa to ask whether or not I made the purchase. They obviously didnt see anything wrong with XXXX different charges made to account to warrant suspicious activity. I reached out to them and they were very unhelpful and uninterested in resolving the matter. They even told me about a transaction I never reported and told me that they seen I had logged into my account several times and didnt mention the charges before I discovered them. I have about XXXX credit cards and I log into mobile apps periodically to make sure Im keeping up with billing and statement dates. I dont necessarily look at my transactions if I dont notice anything. Ive even tried reaching out to XXXX XXXX and its hard to even get in contact but when I made contact they told me they didnt see any charges with the information I provided them.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 non-monetary relief
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I am formally disputing a collection account for {$1000.00} reported by Fair Collections & Outsourcing ( FCO ) on behalf of my former apartment complex ( XXXX XXXX ) in XXXX XXXX, XXXX. This alleged debt is legally invalid, inaccurate, and the result of a retaliatory charge following a constructive eviction. In XX/XX/year>, my apartment suffered a severe pest infestation ( chipmunks entering the living space ) that compromised the safety and structural integrity of the unit. I promptly and repeatedly notified property management via email and maintenance requests, providing photographic evidence of the damage and infestation. Management failed to remediate the issue within a reasonable timeframe. Due to the unhabitable environment, I escalated the matter to the XXXX XXXX XXXX XXXX, creating an official paper trail of the ongoing health and safety violations. Because the landlord breached XXXX implied warranty of habitability, I was legally forced to vacate the premises and break the lease for cause. Despite their failure to maintain the property, the landlord unlawfully retained my {$2000.00} security deposit and improperly generated an additional {$1000.00} balance, which they forwarded to FCO. FCO is actively reporting a debt that is not legally enforceable due to the landlord 's original breach of contract and failure to provide a habitable residence. I have sent a formal debt validation notice to FCO. I request that FCO immediately cease collection activities and completely delete this inaccurate tradeline from my XXXX XXXX XXXX XXXX credit profiles.

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: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I opened a BMO XXXX XXXX Credit Card with BMO XXXX XXXX formerly BMO Harris XXXX ) on XX/XX/XXXX. The card has a {$95.00} annual fee, which I paid in XX/XX/XXXX for the first year. I have since changed my mind on the product and wish to do a product change to a different fee-free credit card with BMO. I am eligible to do a product change as a part of their terms and conditions. I contacted their customer service on XX/XX/XXXX to change my credit card product to BMO XXXX XXXX Credit Card, which has a {$0.00} annual fee, and to carry over my existing credit limit of {$7500.00}. On my first call, I spoke with representative XXXX who told me I have to wait till after the first year anniversary ( XX/XX/XXXX ) of my XXXX XXXX card to do a product change but that I would still be charged the {$95.00} annual fee. As an unhelpful " alternative '' he suggested I apply for a second card. I am not looking to open a second card. When I asked to speak with a supervisor, he put me on a XXXX hold and eventually hung up. On my second call, I spoke with representative XXXX who told me more or less the same thing : The only way to avoid a {$95.00} annual fee for a second year on my existing card is to close it and open a new card. This is obviously false because " product change '' is clearly an option according to the credit card terms. Dissatisfied with her response, I asked to speak with a supervisor ; she left me unattended on hold for XXXX minutes and then hung up the call. On my third call, I spoke with representative XXXX who finally connected me with supervisor XXXX. XXXX the supervisor confirmed I am eligible to do a product change but did not tell me the earliest date I can do so. He said I would have to wait till at least after the XXXX statement on my card is generated, XXXX XXXXXX/XX/XXXX, but also that by then I would have been charged a {$95.00} fee for sure. He refused to confirm that I would get a refund for {$95.00} after the product is changed. He refused to give me the eligibility requirements for a refund, which he said are only available to the bank. When I requested XXXX to make notes on my account that I wish to change myproduct, he put me on a XXXX unattended hold and never came back.

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 — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am reporting what I believe to be the unauthorized use of my personal information by an individual with whom I was previously affiliated. For several years, this individual has allegedly been using my name and personal information on bank account applications and with various companies without my knowledge or permission. I recently obtained a copy of XXXX such application, which confirmed my concerns. However, I am unsure which agency is best equipped to investigate this matter. The unauthorized activity appears to date back to at least XX/XX/XXXX. In addition, only a few months ago I discovered that this individual had connected my information to multiple third-party XXXX subscriptions XXXX including XXXX and XXXX XXXX XXXX. I was eventually able to disconnect those services. At this time, I have not discovered any missing funds from my bank account, which I have maintained for most of my life. However, I am extremely concerned that my personal information XXXX have been used in other ways that I have not yet uncovered. Because I did not fully understand how to report identity misuse when I first became aware of it, I fear the situation has continued for years without my knowledge. I have since taken steps to report the matter. On XX/XX/XXXX, I filed a police report with the XXXX Police Department in XXXX. The report number can be confirmed by asking. I also know the identity of the individual I believe is responsible and can provide that information, along with any supporting documentation I have obtained, upon request. My concern is that this matter be thoroughly investigated as soon as possible. The individual is currently suffering from XXXX XXXX XXXX XXXX, and I am worried that if this is not addressed promptly, I may never learn the full extent of what was done with my personal information until I have no one to blame for it and could have to repay something I'm quite nervous..

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
I contacted the company Eastern Account Systems on XX/XX/XXXX regarding a collection that was being reported to the 3 credit bureaus. I paid the debt to the original creditor on XX/XX/XXXX. When speaking to the representative, I was told they could see it had been paid but they only reported to the bureaus on the XXXX of every month. I informed the representative I would wait for that date. Once the XXXX of the following month came, Eastern Account Systems did not report to the three credit bureaus that the debt had been paid and removed. I waited until XX/XX/XXXX and reached out to the credit bureaus only to find out that Eastern Account Systems had not updated the account and did not report any information to any of the credit bureaus. I called the company on XX/XX/XXXX and XX/XX/XXXX to inquire why they had not updated the information since they looked and could see there was a XXXX balance on the account. At this point, I was told they could wait up to 60 days to report the updated information since it was paid on XX/XX/XXXX. I informed the representative that was not legal because I do not owe the debt and they could see it and asked why they would not update the information. Also, I informed the rep that they were continuing to report false information and that I would file a complaint if it were not updated and they have continued to not report properly and remove the collection from my credit reports.

Company public response: Company disputes the facts presented in the complaint
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: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, an unknown individual physically entered the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and impersonated me using a counterfeit passport and a counterfeit Social Security card. I live in XXXX, XXXX and was not present. Relying on those forged documents, a branch employee allowed the impostor to order a wire transfer of my entire account balance, {$24000.00}, from my account number XXXX, and to close the account. I did not authorize the wire or the closure. I discovered the fraud on XX/XX/year> after receiving a notice that my contact information had been changed, which I did not do. I reported it to Wells Fargo immediately. A fraud claim was opened on XX/XX/year>, and Wells Fargo sent wire recall requests to XXXX XXXX Bank on XX/XX/XXXX and XX/XX/year>, which confirms the bank itself treated this as fraud. On XX/XX/year>, Wells Fargo XXXX XXXX XXXX XXXX ( case XXXX ) closed my case and declined to make me whole, stating only that the wire could not be recalled and that the matter must be resolved outside the bank. This was an unauthorized payment order. The loss resulted from the branch 's failure to properly verify identity before executing an in-person wire and closing an account on forged documents. The fact that the funds can not be recovered from the receiving bank does not relieve Wells Fargo of responsibility for executing an unauthorized, negligently verified transaction. I am asking that Wells Fargo reimburse the full {$24000.00} and produce the records showing how the impostor was verified.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX was totaled out by insurance. I had gap coverage on the account. This was back in XXXX. I am trying to get pre-approved for a home loan and a delinquency showed up. I have contacted the finance company Credit Acceptance 3-4 times , wrote an email complaint on their website. No one reached out to me. I was not aware that there was any balance for the last 6 years. I agreed to settle if they would remove me from being late every month for the last 6 years. They claim that they can not because it still was an open account. I paid the settlement fee. I believe they were illegally reporting me as being late every month. I have had no luck speaking to the finance company and they are not friendly at all.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
- On XX/XX/26 I sent a wire to XXXX from Wells Fargo bank for {$13000.00} this is the second time sending to this account so the information has to be accurate. The first time when I sent it went through within 3 days. The second time, The payment has never arrived to the recipient. I filed claimed on XX/XX/26 and keep calling for follow up every week, still no result. The bank said they wait for recipient to response. I filed the claim case # XXXX and continue to check with them weekly. - The money I sent has never arrived in the recipient bank account up to today XX/XX/26. I need the money reverse back to my account if it has never arrived in the recipient bank

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 caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 8 years. This is my first bank account in the USA, and I have maintained a completely clean history with no overdrafts or prior monthly service fees. Starting XX/XX/year>, Wells Fargo began charging me a XXXX XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The policy change raising the minimum balance from {$500.00} to {$1500.00} and increasing the fee from {$10.00} to {$15.00} was not clearly communicated to me through any dedicated mail, email, or prominent notice. I only became aware of the charges after they had already posted on my statements. Wells Fargo previously issued a partial refund, but continued to charge the monthly fee. The total disputed amount is now approximately {$60.00} ( including the most recent {$15.00} fee ). I previously filed a CFPB complaint. Wells Fargos executive office contacted me and referenced Wells Fargo case number XXXX. I also spoke with an escalation manager, who stated that the bank is firm and will not refund the fees, providing no new explanation beyond their previous response. The previous CFPB complaint was closed by Wells Fargo with the statement that no new explanation was received. This ongoing refusal is unfair to a long-term loyal customer who did not receive adequate notice of the major policy changes. I am requesting a full goodwill refund of all disputed monthly service fees ( {$60.00} ) as a one-time courtesy for my 8-year relationship. If Wells Fargo continues to refuse a full refund, I am prepared to file a claim in small claims court in XXXX XXXX, California, to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing

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