vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am filing a complaint against Barclays regarding its handling of multiple disputed charges from XXXX XXXX XXXX in XXXX totaling {$3000.00}. The disputed transactions were for {$1500.00}, {$1000.00}, and {$530.00}. I entered into this transaction based on representations that were made during a sales presentation. After reviewing the membership and attempting to use the benefits that were promised, I discovered that significant information had been misrepresented or omitted. I promptly notified Barclays and disputed the charges. Barclays initially issued provisional credits while investigating the matter. However, I do not believe Barclays conducted a thorough investigation into my claims or adequately considered the deceptive sales practices involved. I believe I was misled regarding the terms, costs, benefits, and usability of the membership. Had accurate information been provided, I would not have agreed to the purchase or authorized these charges. As a consumer, I relied on Barclays to fairly investigate my dispute and protect cardholders from transactions resulting from misrepresentation. Instead, I feel that my concerns were dismissed without proper consideration of the evidence I provided. I am requesting that Barclays reopen the investigation into all disputed transactions, provide a detailed explanation of its findings, and reimburse the disputed charges totaling {$3000.00}. I also request that the Consumer Financial Protection Bureau review Barclays ' handling of this matter to ensure that applicable consumer protection laws were followed. We have also retained an attorney to dispute this matter also, that contract is attached. Thank you for your attention to this complaint.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal is violating regulation E by denying an unauthorized XXXX transaction. They are using device telemetry as sole proof of authorization which ignores known malware and session hijacking vulnerabilities. I did not initiate, authorize or benefit from this transaction. On XX/XX/year> {$1900.00} was transferred from my account and sent to another individual through XXXX. I received the notification on the phone when I woke up to go to work that morning. I immediantly called Navy Federal who intially credited my account with the mony but then later said there investigation shows the transaction came from my phone. I appealed but they have denied that. On XX/XX/year> I have filed a police report with the XXXX proving Ground Police department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/year>, I received a text from Citi Bank informing me of a {$10000.00} charge on my credit card. This card being referenced is part of claim XXXX and has not been sent to me or activated, as it was sent to an incorrect address. Upon calling the fraud department at Citi Bank, they informed me that I would need to wait for the verification letter to arrive in order to block the card. This letter is being sent to the same address as the card, which we have already verified as being incorrect. The fraud agents will not allow me to provide a verified address to send the verification letter, and will not block the card from further fraudulent activity. This is not a small charge. {$10000.00} is a lot of money, and I keep getting led in circles on how to resolve this.

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 2026-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a complaint regarding Bank of Americas handling of an unauthorized electronic funds transfer dispute totaling approximately {$5500.00}, originally opened on XX/XX/XXXX. The claim was denied on XX/XX/XXXX. After I submitted additional supporting documentation, the case was reopened and is now listed as reconsideration. Despite this status, more than 10 days have passed since the initial filing, and I have not received provisional credit, a final determination, or a clear written timeline for resolution. The dispute was also closed shortly after the additional documentation was submitted, without any documented explanation of how the new evidence was evaluated or how the decision was reached. At no point has Bank of America provided a specific factual basis for the denial or closure, identification of the evidence relied upon, or confirmation that all submitted documentation was fully reviewed under applicable electronic funds transfer error resolution procedures. I am requesting a full review of the handling of this dispute, including whether Regulation XXXX error resolution requirements were properly applied throughout the investigation and reconsideration process, and a detailed written explanation of the evidence and reasoning used to deny and subsequently close the claim after reopening. I am also requesting that provisional credit be issued consistent with applicable electronic funds transfer error resolution requirements if the investigation exceeds regulatory timelines or can not be completed within the required period. Additionally, I request clarification as to why the dispute remains in reconsideration status without provisional credit or a final determination despite the passage of time since the original filing.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Four Leaf Credit Union unexpectedly revoked my debit card ending in XXXX due to an excessive amount of disputes being filed. While I understand the reason behind the revocation, my disputes with XXXX was backed by evidence provided to them and the merchant. XXXXXXXX XXXX could have blocked the merchant instead of revoking my debit card. I feel this is unfair especially for a new customer.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Furnisher Violations Failure to Validate, False Reporting, Inflated Balance, Deceptive Practices, and FCRA/FDCPA NonCompliance I am filing this complaint against Zions Debt Holdings for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Zions is reporting an account to the credit bureaus that is inaccurate, unverifiable, inflated, and contradicted by the original creditors own records. Zions has repeatedly failed to provide any legally required validation. Their only response to disputes has been a oneword verified message through eOSCAR with no documentation, which does not satisfy FCRA XXXX ( a ) ( XXXX ) or FDCPA XXXX ( b ). XXXX. Zions is reporting a debt the original creditor confirms does NOT exist. I obtained documentation directly from XXXX XXXX, the original creditor, confirming my account was PAID AS AGREED, never delinquent, and never placed for collections. This directly contradicts Zions reporting and proves the debt is invalid. XXXX. Zions is reporting a completely different account number. XXXX XXXXXXXX lists my account as XXXX XXXXXXXX. Zions is reporting XXXX XXXX This is a severe data integrity failure and clear evidence of a broken chain of title. XXXX. Zions is reporting an inflated and fabricated balance. Zions emailed me Invoice XXXX XXXXXXXX admitting the underlying balance was {$350.00}, yet they reported {$500.00} to the credit bureaus. They added : {$82.00} in unauthorized interest {$60.00} in unauthorized late fees These fees are not supported by any contract and violate FDCPA XXXX ( XXXX ) and FCRA accuracy requirements. XXXX. Zions can not validate the debt and has no documentation. Zions has failed to provide : A contract Itemized billing Proof of service Chain of title Correct address Correct account number Any documentation from XXXX XXXX They do not have access to the original creditors records and can not legally validate this debt. Zions is reporting an address that does not match my actual service address, mismatch and inaccurate personal information. Zions continues to report false data. . Zions is knowingly furnishing false information to the remaining bureaus. With multiple disputes with both XXXX and XXXX XXXX. Zions is violating FCRA XXXX ( a ) ( XXXX ) ( A ) Zions is furnishing information they know or should know is inaccurate, unverifiable, and contradicted by the original creditor.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I am disputing this alleged debt. Please provide validation and documentation showing : 1. The original creditor 2. The full account number 3. The date of last payment/activity 4. A full payment history 5. A copy of any contract bearing my signature 6. Proof your company has authority to collect this debt 7. Proof the amount being reported is accurate 8. Proof this account is being reported in compliance with FCRA/FDCPA Until this debt is properly validated, please cease collection activity and mark this account as disputed with all credit reporting agencies. Respectfully, 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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
We are formally disputing an unverified {$750.00} banking collection demand from US Bank on an active account ending in XXXX. US Bank has placed us in an unresolvable administration loop reguarding a deceased induvidual 's name from a XXXX estate. Prior to visiting the branch, we contacted US Bank customer service using the official number listed on the back of my mother 's debit card. The representative searched the system, could not find the number listed on the collection letter anywhere in the bank 's public or internal directories, explicitrly stated the collection letter was likely fraudulent, and for more information to go into our branch. on XX/XX/XXXX, We went into our branch in XXXX XXXX XXXX, IL, and met with an employee XXXX. XXXX pulled my mom 's account on her screen and the account was in good standing. XXXX had a few questions of her own. XXXX then called the collections line on the letter and spoke with an internal employee named XXXX, who confirmed the letter was legitimatebut refused to provide any specific information, telling us to contact the general customer service line, which already stated the letter is probably fraudulent. On XX/XX/XXXX, we spoke with the XXXX XXXX XXXX, who called the number from the collections letter and spoke with a representative named XXXX. According to XXXX, XXXX was able to pull up and give XXXX all the account details, but XXXX refused to give that information to us, directing to call the number on the letter-but I wouldn't be able to speak with XXXX or call the customer service line ( who has already said this letter was probably fraudulent ). US Bank 's departments are actively withholding information we have requested, multiple times, while forcing us into a loop where the branch tells us to call an unverified number or customer service, the unverified number tells us to call customer service, and customer service believes this letteer to be fraudulent. Because the branch computer shows {$0.00} delinquency, we requested a line-by-line historical audit from XXXX to XXXX, multiple times and due to the branch saying this discrepancy occured sometime within those years, in order to find this data mismatch. US Bank has failed to provide this information. XXXX XXXX XXXX uploaded an internal corporate complaint letter on our behalf on XX/XX/XXXX or XXXX of XXXX. We demand a immediate corporate override from US Bank to freeze the XX/XX/XXXX collection deadline, a formal validation of the alleged debt, and an immediate correction of this database contradiction.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: KY

Complaint narrative:
It's been almost over two months ago and half since the. XXXX deposits from XXXX XXXX XXXX ( family owned music company ) sent me XXXX individual deposits of XXXX bucks each deposit. I have called. The fraud department. Number of times and the local is bank branch in XXXX Ky. They have put that 2000 on XXXX XXXX account. It's been long enough in there I demand you send the money back to the sender XXXX XXXX XXXX ASAP. This is not US Bank money to keep for themselves. I've been. Ran ragged and gave the runaround enough. You investigated you closed my account. Now there is no read at all to be holding this money anymore. The account is closed. I demand you send the money back to the sender ASAP. To resolve the problem or else I will be talking to my lawyer about 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 non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
I am filing this complaint because Fair Collections & Out continues to report and collect a debt that I have repeatedly asked them to explain and validate. The account is being reported for {$2900.00}. After I disputed the account, I requested documents showing how this balance was calculated. I specifically asked for an itemized statement, account ledger, move-out statement, payment history, and any records supporting the amount they claim I owe. The only documents I received were a copy of the lease agreement and a statement showing the balance. I was not provided with any breakdown of charges, any accounting of the balance, or any documents showing how they arrived at {$2900.00}. I moved out when my lease ended. I never received a final accounting, move-out statement, or any explanation from the apartment management regarding an alleged balance. The first time I became aware of this debt was when it was sent to collections. What concerns me most is that the company continues to verify the account as accurate with the credit bureaus even though they have never provided documentation showing how the balance was calculated. If the debt is valid, I am simply asking for the records that support it. If they verified the account with the credit bureaus, they should be able to provide the documentation they relied upon when doing so.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi Cards closed XXXX of my accounts and seized my rewards. They told me that they could do this at anytime they wish. Close my account when they feel like it and seize rewards. So if they take XXXX accounts with a {$1000.00} dollars in rewards they are pocketing {$100000.00} a day. It's wrong on so many levels and it must be illegal.

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 2026-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
XX/XX/XXXX we began a direct withdrawal payment of an extra {$650.00} per month, in addition to our monthly payment of {$550.00}. XX/XX/XXXX we called in and spoke to " XXXX '' who was forwarding it to the Loan Support Team to apply it back to XXXX. XX/XX/XXXX we called in again and spoke to " XXXX? '' and were told it was not yet fixed and they must still be working on it. XX/XX/XXXX we called again and being told the same things again, we asked for our call to be escalated. We spoke to XXXX with the Resolution Team and he worked on doing manual adjustment requests for each month, but then asked his manager to be able to email the Payment/Payoff Processing Dept to correct back to XXXX. XXXX said he filed a complaint with his customer advocacy team.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I opened a business advantage account at Bank of America through the promotion link the promotion states that you need to be a new business advantage member to qualify for the promotion. The promotion requires you to maintain {$15000.00} within the account of new money for XXXX days to be eligible for the {$750.00} bonus. I completed all these activities and signed up for this promotion with the link here. https : XXXX Following the XXXX day maintenance period plus an additional 60 days waiting period for the bonus to be paid out. I have still not received the incentive. Today which is XX/XX/year>. I reached out to XXXX who is a XXXX XXXX XXXX XXXX XXXX inquiring when my bonus will be paid out. She mentioned that there was no promotion code attached to the account and could not find any promotion code for this bonus. I relayed information back to her that I did in fact, sign up with the link and completed all activities and was fully eligible to receive the bonus. She did not provide any assistance and did not reach out to any XXXX to look into this case further. After my further investigation, I went into the link to see if the promotion code is automatically entered when going through the link. To my surprise, I find that even though you go through the link and open the account under where it says get started with your promotional offer at the end of the application I find that the checkmark for the promotion code is taken off and is hidden. I find this to be a blatant bait and switch tactic at Bank of America is using to avoid paying out this bonus, I find that Ive received no help from Bank of America even though Ive been a personal checking member for over XXXX years. unfortunately I believe this is a bait and switch tactic that Bank of America is using to get more members without honoring their promotions.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
" On XX/XX/XXXX, an authorization hold of {$840.00} was placed on my account. On XX/XX/XXXX, the final deduction of {$840.00} posted to my account. However, instead of matching this to the original hold, Wells Fargo processed it as a duplicate charge. The original XX/XX/XXXX hold has since vanished from my visible online transaction history, meaning {$840.00} is missing from my balance without an active transaction showing. XXXX Wells Fargo representatives verified this back-end tracking error in my account notes. I filed a dispute on XX/XX/XXXX. The XXXXbusiness-day federal deadline has passed, and I demand an immediate provisional credit of {$840.00} while this is settled.

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 2026-06-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: NM

Complaint narrative:
I had purchased something from true value and I ended up returning it I paid cash for the items and when I return them the caahier says to me I I dont have that I can put it on a card so she did and my account been frozen and they wont fix it I've fax them what they needed and they are not fixing the issue and it cost me to fax. They wont issue me a new card and I have a balance of over XXXX on 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