vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : XXXX of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hi, I submitted a complaint in regard to this issue 2 weeks ago the complaint is in the communications you have in my account. I didn't give you a copy of the letter I orginally sent Bank of America 5 years ago. They didn't respond to me as I am in XXXX. I just want to give you a copy of this letter so you can send it to them so they can review it too. It was sent on the XXXX XX/XX/year> from XXXX to the Bank of America branch where the money laundering occured. Please can you share this with the woman who contacted me from the bank the other day. The account number i have entered is the account number of XXXX XXXX who laundered my money through the XXXX XXXX, minnesota branch of Bank of America. My XXXX XXXX account number ( the sending bank ) is on the letter I have attached that was originally sent to the bank in XX/XX/year>. Thank you 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 2026-06-12 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:
XXXXTransunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove ; XXXX account XXXX- XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date XXXX XXXX XXXXXXXX XXXX account XXXX date ; XXXX XXXX XXXX, XXXX account XXXX date ; XXXX XXXX XXXX, XXXX XXXX account XXXX date ; XXXX XXXX XXXX, Remove addresses ; XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, fl XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a Wells Fargo business checking account approximately XXXX year ago and deposited {$25000.00} to qualify for a promotional bonus. During the account opening process, the banker recommended that I also open a savings account, which I funded with {$25.00}, the minimum, per the banker. About XXXX month later, Wells Fargo charged a $ 5 monthly service fee on the savings account. Upon learning of the fee, I immediately transferred {$300.00} into the savings account on XX/XX/year>, believing I had satisfied the minimum balance requirement and resolved the issue. I recently discovered that Wells Fargo continued charging the $ 5 monthly fee for approximately XXXX months. After multiple calls, I was informed that because the {$300.00} deposit was made XXXX days after the beginning of the statement cycle, the account failed to meet the average balance requirement for that month, and the fees continued thereafter. I believe this outcome is unreasonable and inconsistent with fair customer treatment. I acted promptly to correct the issue as soon as I became aware of it, maintained the required balance thereafter, and had an active banking relationship that included a business checking account with a {$25000.00} balance. At no time was it made clear that a two-day timing issue would result in ongoing monthly fees for nearly a year. I am requesting reimbursement of all savings account service fees charged since XX/XX/year> and a review of Wells Fargo 's handling and disclosure of this account requirement.

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 2026-06-12 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: CCS Financial Services, Inc.
State: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to Einvestigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PayTomorrow, LLC
State: MI

Complaint narrative:
Paytommorrow over charges me, ignores do not calls, closes communication cases without solving issues and increased my terms without permission. My biweekly payment is XXXX, everytime I pay they charge me XXXX. I've contacted them on this twice no resolution. On Monday XX/XX/XXXX after 7 calls on Saturday I emailed them a written do not call until my 19 day grace period ends. They have called me about 14 times since ( actually more but they call from 3 different numbers only one says paytomorrow. The original terms where 6 months yet they are charging me for 14 biweekly payments. Which is 7 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
On XX/XX/XXXX I called FNBO card member services to request for my credit balance of {$72.00} due to overpayment, be refunded back to my bank on file. They told me I couldnt request until 10 days later and it could take 45 days to receive. I told them to send this to me in writing stating the same timeframes. They refused. I want my credit reversed back to my account the same time it took for the payment to be taken out! It should not take 45 days get my overpayment back and I should not have to wait 10 days to callback to process this request!

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 2026-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I previously filed a complaint with the CFPB that was forwarded to the OCC. The OCC discriminated against me by closing my case without a proper investigation. I am requesting the CFPB to take direct action against Wells Fargo for the tortious interference and discrimination described herein.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX, I was an upcoming XXXX XXXX looking for internships and jobs for after school. At the time, what I thought to be a real remote internship through an education institution turned out to be a scam. They were sending me checks virtually through email and informed me to deposit these checks to my account for personal payment and to purchase the materials I needed for the internship. I mobile deposited these checks into my account due to me being on vacation and not around my bank institution. I have never been an in a situation like this before, and had no guidance as to if this was real or not. In the next coming week, the money was no longer in my account due to me using the funds for account subscriptions and the check bounced, leaving me with a - {$800.00} account. When I called my bank, I was informed due to the authorized deposit, there is no dispute that could be done at this point and I have to pay it back despite it being a scam. When I requested the dispute again, I was informed by my bank I wasnt allowed to.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have been trying to resolve an access issue regarding funds that have been delayed for over a year. On XX/XX/year>, BMO requested that I submit a notarized Identity Declaration form and a copy of my physical ID via their official BMO Secure Email Portal. I successfully uploaded these files more than three times. I was on the phone with bmo from XXXX to at least XXXX. BMO Customer Service confirmed they had access to my account profile, but the Fraud Department placed a freeze on the account anyway due to a digital fingerprint mismatch because I use a personal VPN for privacy. The fraud investigator refused to check the secure document queue where my notarized identity verification was sitting, ended the call, and told me they would contact me in 1 to 2 business days, completely denying me access to my legitimate funds over the weekend without cause.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau Director, Corporate Governance Boards, and State Enforcement Investigators : I am filing this emergency notice to formally expose a highly suspicious, bad-faith administrative operation taking place within the Wells Fargo Enterprise Complaints Management Office . Internal escalations staff are actively attempting to hijack an expedited fraud investigation to allow an internal gatekeeper to investigate themselves and suppress forensic evidence. The timeline of this structural manipulation is absolute : XX/XX/year> : Escalations Representative XXXX XXXX ( ext. XXXX ) issued a formal written notice initiating an independent investigation into XXXX # XXXX, locking in a hard corporate resolution deadline of XX/XX/year>. This specific case involves critical analytic metadata showing an unauthorized clearing " handshake '' transaction between XXXX and Wells Fargo, which routed federal/institutional funds into a compromised secondary " destroyed chimes '' profile under the account involved. XX/XX/year> : Fearing the exposure of this technical routing breach ahead of the Tuesday deadline, XXXX Representative XXXX XXXX stepped into the file. She issued a deceptive notification attempting to unilaterally dissolve XXXX XXXX active case and merge the forensic evidence into a completely separate, older internal folder ( Case # XXXX ) managed by a different " case owner. " This is a blatant corporate shell game designed to corrupt the audit trail. By forcing new forensic evidence regarding the XXXX clearing loop onto the desk of the original XX/XX/XXXX case owner, the institution is deliberately ensuring that the person responsible for the initial oversight or complicit in the data failure has sole gatekeeping authority over the file. This is allowing the suspect to investigate themselves. It is an intentional attempt to erase XXXX # XXXX from the active CFPB dashboard, manipulate regulatory reporting metrics, and bury the ACH handshake logs under a single compromised roof. I have strictly rejected this consolidation. I demand that the CFPB and Executive Risk Management immediately intervene to freeze this file. I demand that CJ T. be ordered to maintain sole, un-steered ownership of Case # XXXX, and that a full, unedited disclosure of the automated clearing house ( ACH ) handshake logs and metadata trails be delivered on or before the promised XX/XX/XXXX deadline. This corporate cover-up will not be tolerated.

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 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a written dispute regarding several inaccurate and unfamiliar items appearing on my credit report. It has now been more than 30 days since that notice was provided, and I have not received any response, results of an investigation, or confirmation that a reasonable investigation has been conducted. This lack of action is both unacceptable and concerning. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. If you are unable to verify the accuracy of the disputed items within this timeframe, the law requires that such information be deleted from the consumers credit file. Given that this statutory period has already elapsed without proper response or verification, I expect the immediate deletion of all disputed accounts from my credit report and an updated copy reflecting these changes. Failure to comply with these legal obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate it further, including filing formal complaints and pursuing legal remedies available to me. Additionally, I would like to note that I have been impacted by the widely reported data breaches involving XXXX, XXXX, and TransUnion. These incidents raise serious concerns regarding the accuracy, security, and handling of my personal information. As such, I expect heightened diligence and full compliance with all applicable laws in addressing my dispute. I look forward to your prompt resolution of 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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank : Verizon Visa Credit Card I am a consumer with a pristine, multi-year payment history across multiple separate credit lines managed by Synchrony Bank. All of my active accounts are reliably set to Auto-Pay the full balance monthly without a single issue. At the explicit direction of Verizon, I opened a Verizon Visa card ( issued by Synchrony ) solely to maintain a regular $ XXXX XXXX discount on my home internet service. I immediately configured this card to Auto-Pay the full balance every month from my primary XXXX XXXX checking account. My primary bank account is heavily funded and backed by active overdraft protection, making a genuine " returned '' or " insufficient funds '' item financially impossible. Despite this, a severe backend technical communication failure between Verizons billing interface and Synchrony Bank caused Synchronys system to falsely flag my automated payments as " Returned. '' I contacted XXXX XXXX directly, and they explicitly confirmed that no stop-payments, blocks ever occurred on their end. The funds were completely available. When I attempted to resolve this billing glitch, I was subjected to unacceptable hold times with Verizon Visa customer servicefrequently waiting on the phone for over an hour at a timeonly to be met with XXXX resolution and automated scripts. Because of this unaddressed technical loop, Synchrony wrongfully hit my account with cascading returned payment fees, late fees, and interest charges, inflating my balance with invalid penalties. Synchrony has now closed my account due to their own system 's errors, explicitly threatening my excellent credit score. Because of this total administrative failure, I have permanently canceled my Verizon internet service and switched to another provider. Desired Resolution : I demand that Synchrony Bank manually investigate this cross-platform billing error, waive and credit back 100 % of all accumulated returned payment fees, late fees, and interest, update the internal account status to reflect closure due to corporate system error rather than delinquency, and guarantee that XXXX negative marks or late payment histories are reported to XXXX, XXXX, or 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX I C System XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX Re : Remove Inaccurate Information from my Credit Reports XXXX Account # XXXX ( Amount : {$450.00} ) XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am officially disputing the account ( s ) listed below. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Account # XXXX ( Amount : {$450.00} ) I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, 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