vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MoneyLion Inc.
State: CA

Complaint narrative:
They didn't provide me with any financial or services. I called them and said that it was a mistake, I don't want any account and the pain of the investment, I'm XXXX in XXXX on the same day and they answered well, we'll close. After XXXX months I see twice XXXX XXXX withdrawn from the account I gave a dispute and returned and called them They answered leave us we will pay meta you keep someone's account I said delete please shas it's been XXXX months already XXXX XXXX they gave me XXXX XXXX XXXX gave them but from me asking XXXX $ and I see their reviews thousands of people cheat and very rude and mockingly answer us. And I can't delete myself, their system doesn't let me in

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive had a company called XXXX XXXX mislead and misinform me. When I asked the company XXXX XXXX said they operated legally even to this day but quite the contrary due to XXXX XXXX XXXX. So I reported it to wells fargo and they denied my business but told me I would be allowed to access the online side of things. Instead they locked it and this is all very upsetting

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Netspend Corporation
State: MD

Complaint narrative:
I am filing a formal complaint against the bank Netspend Corporation and their issuing bank partner, XXXX, XXXX, for a violation of federal consumer protection regulations regarding a billing error dispute under XXXX XXXX I disputed a XXXX debit card charge for defective merchandise. I provided the bank with immediate photographic proof of the defect and written documentation of the merchant 's ( XXXX ) refusal to refund me. The bank denied my claim solely because the merchant 'verified the purchase. ' Under XXXX network rules, verifying a purchase does not disprove a product defect. The bank accepted an irrelevant defense, ignored my regulatory evidence, and mishandled my claim. I request that this case be manually reviewed by a compliance supervisor and my funds restored. This claim was made on XX/XX/year> and the denial notice was sent on XX/XX/year>. This claim is in the amount of 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 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding two collection accounts being reported by Credit Collection Services. These accounts appeared on my consumer credit reports without my receiving prior written notice, validation, or documentation supporting the alleged debts. I dispute the validity and accuracy of both accounts. I have requested debt validation and documentation establishing that I am legally responsible for these alleged debts, including proof of the original creditor, account details, and the collector 's authority to collect. To date, I have not been provided sufficient evidence supporting these claims. I am requesting that the company conduct a reasonable investigation, provide proper validation of the alleged debts, and correct or remove any information that can not be verified. I also request that all credit reporting related to these accounts comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am seeking assistance in ensuring that inaccurate, incomplete, or unverified information is not reported on my consumer credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding Citibanks handling of my Citi XXXX Account and a disputed account offset. On or about XX/XX/year>, Citibank removed approximately {$300.00} from my Citi XXXX Account ending in XXXX ( Account No. XXXX ) and applied those funds to a separate checking account with a negative balance. I do not believe this action was consistent with my understanding of the Citi XXXX Account product. My understanding is that the Citi XXXX Account is a basic banking account designed to limit overdraft-related issues. I do not understand why funds deposited into my XXXX Account were removed and applied to another account rather than remaining available in the account where they were deposited. In addition, Citibank is currently reporting my account balance as negative {$880.00}. I have not been provided with a clear explanation showing how this negative balance was calculated, what transactions caused it, or the authority relied upon to create or maintain this negative balance. I am requesting that Citibank provide : * The specific provision of the deposit agreement that authorized the transfer of funds from my Citi XXXX Account. * A complete transaction history and accounting showing how the negative balance of {$880.00} was calculated. * An explanation of the authority relied upon by Citibank to remove funds from my XXXX Account and apply them to another account. * A review of whether the offset and resulting account balance were applied correctly under Citibank policy. * Reimbursement of any funds that were removed or charged in error. Despite my attempts to obtain clarification directly from Citibank, I have not received a satisfactory explanation regarding either the account offset or the current negative balance. I respectfully request that the CFPB investigate this matter and require Citibank to provide a detailed written response. XXXX XXXX Account Number : XXXX Citi XXXX Account ending in 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 2026-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On Wednesday XX/XX/XXXX, I checked my Well 's Fargo account that holds my Auto Loan. For the past couple years, I've gone in there every couple of months and clicked " view credit score '' and guess what it showed me my credit score. Well on the XXXX, I clicked on that button and it showed me a " sign up for XXXX XXXX XXXX '' which I declined and then left the website. 24 hours later on XX/XX/XXXX, I get an email from Well 's Fargo thank you for signing up for " XXXX XXXX XXXX ''. I immediately call Wells Fargo and had to spend 6 hours on the phone until I got an agent that believed me that I didn't sign up for the service and that agent made an escalation case. Wells Fargo then opens a case, XXXX, which they take a week to look into internally and call me to tell me the results. They basically tell me I'm a XXXX, I signed up for the service and can unenroll anytime if I don't want to be enrolled. I never enrolled in said service, I never consented to be enrolled in said service and no I did not " accidentally click through the enrollment process ''. I don't appreciate being told that I did something that i explicitly didn't do, " oh you might have accidentally clicked accept '' I AM A XXXX XXXX XXXX MY JOB FOR 20 YEARS HAS BEEN TO KNOW WHAT TO CLICK AND WHAT NOT TO CLICK AND TO REMEMBER EXACTLY WHAT I DID. The attempted corporate gaslighting is real.

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 2026-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I contacted and sent proof of my Driver License and Social Security Card to prove to TransUnion that the accounts that are charge-offs/ collections not mines. So it still came back verified XX/XX/year>. So, I've request another dispute on XX/XX/year> and the results came back verified again on XX/XX/year>. I requested a copy of my credit report from TransUnion to send it in mail and I never received it. So now I sent another dispute in to removed all the accounts to be removed from my account due to Identity theft. TransUnion the only credit reporting agencies that's have 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 explanation
Consumer complaint received 2026-06-14 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: AL

Complaint narrative:
RE : Formal Debt Validation Request FDCPA XXXX ( b ) & FCRA XXXX ( a ) To Whom It May Concern, This letter serves as a formal dispute and request for full validation of the alleged account under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( a ). Because I dispute the accuracy, ownership, and validity of this account, I am requesting the following documentation : Signed contract bearing my signature Complete payment history from the original creditor Proof of assignment or purchase agreement showing legal right to collect Itemized accounting of all charges, fees, interest, and payments Copies of all notices allegedly sent to me Original creditor information including name, address, and account details Verification of the amount you claim is owed Verification of accurate credit reporting including payment history, dates, and status codes Cease Collection Until Validation Under FDCPA XXXX ( b ), you must cease all collection activity, including reporting or updating this account with any credit bureau, until you provide the requested validation. If you can not validate the account, you must : Delete the account from all credit bureaus Cease all collection efforts Notify me in writing that the account has been closed Notice of FCRA Violations If you continue reporting this account without providing proper validation, you will be in violation of : FCRA XXXX ( a ) ( XXXX ) ( A ) reporting information you can not verify FCRA XXXX ( a ) failure to investigate disputed information FDCPA XXXX false or misleading representations I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and any other relevant regulatory agencies. Response Deadline You have XXXX days from receipt of this letter to provide the requested documentation. If you can not validate the debt, you must immediately delete the account from all credit reporting agencies. Sincerely, Your Name Your Signature ( if mailing )

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 2026-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
b'Subject: Urgent Escalation Fraudulent Checks Not Reimbursed ($XXXX)\nDear Executive Customer Relations Team,\nI am writing to formally escalate an urgent matter regarding fraudulent activity on my Bank of America account and the banks failure to promptly reimburse my funds.\nI reported three fraudulent checks drawn on my account to Bank of America. While one check was refunded, two additional fraudulent checks remain unresolved:\n\nCheck #1: $XXXX\nCheck #2: $XXXX\nTotal unreimbursed amount: $XXXX\n\nDespite reporting these incidents promptly and requesting immediate assistance, Bank of America has not issued reimbursement for these unauthorized transactions. I have also repeatedly requested an emergency provisional credit, given the financial hardship this situation is causing, but no action has been taken.\nThis delay has placed me in severe financial distress. As a small business owner, I rely on access to my funds to meet essential business obligations, and the continued withholding of $XXXX is directly impacting my ability to pay bills this month.\nAdditionally:\n\nI have been a Bank of America customer for over 27 years\nI previously requested alerts or safeguards before checks are processed\nDespite this, fraudulent checks continue to be paid from my account\n\nI am deeply concerned that:\n\nThe bank processed clearly unauthorized items\nThe investigation has not been handled with urgency\nI am effectively being denied access to my own funds while the bank retains them\n\nI am requesting the following immediate actions:\n\nFull reimbursement of the remaining $XXXX without further delay\nWritten confirmation of the status of the fraud investigation\nImplementation of fraud safeguards on my account (check verification, alerts, or restrictions)\nA clear explanation as to how these checks were processed\n\nIf this matter is not resolved immediately, I will continue pursuing formal complaints through the Consumer Financial Protection Bureau (CFPB) and other regulatory agencies.\nI look forward to your prompt response and resolution of this matter.\nSincerely,\nXXXX 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 monetary relief
Consumer complaint received 2026-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I received a notice informing me that there was apparently a gap of hazard insurance coverage between my cancellation of my old hazard insurance policy and my purchase of a new hazard insurance policy. The insurance gap occurred between the dates of XX/XX/year> and XX/XX/year>. The notice stated that if I did not provide proof of hazard insurance covering the stated gap dates, Truist would charge me an estimated {$60.00} for the hazard insurance they planned to purchase to cover the stated hazard insurance gap dates. I interpreted the notice to indicate that Truist would purchase the hazard insurance necessary to cover the stated gap insurance dates and that at some point my payment would increase for a period of time until the cost of the policy was paid in full ( approximately {$60.00} ). I contacted my current hazard insurance carrier and attempted to purchase a hazard insurance gap policy covering the stated hazard insurance gap dates. They stated that the do not sell that type of insurance and had no idea who would. On XX/XX/year>, I received a notice informing me that apparently Truist has decided to attach an impound account to my current loan. The notice also informs me that my monthly payment will be increasing by {$260.00} I interpret this notice as a rather draconian and nefarious move by Truist to force me to have a impound account. I am a senior citizen with health issues who lives on a fixed income. I can in no way afford a {$260.00} increase in my mortgage payment. I was/am perfectly willing to pay the {$60.00} fee for the hazard insurance gap that occurred between XX/XX/year> and XX/XX/year>. I never agreed to have an impound account and did not have one in place when Truist purchased my mortgage from my prior lender. I sent a Real-estate Settlement Procedures Act ( RESPA ) complaint letter to Truists legal department more than a month ago. Their response has been no 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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hacked/Compromised accounts in checking/savings, unauthorized ACH/wire transfers, identity theft-related banking issues. They must investigate fraud claims promptly, and document failures ( e.g., delays in resolution or inadequate protections ). They initially denied my fraud claims when an XXXX pretender started taking money out of my accounts as " for XXXX XXXX '' against my will.

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 2026-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
Meridian Financial Services is attempting to collect a {$1300.00} balance referred by XXXX XXXX XXXX XXXX. The balance was disputed in writing to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX because the contracted work was not completed. XXXXXXXX XXXX signed proposal/inspection materials identified several disputed items : nail and ridge shingle repairs for all areas identified during XXXXXXXX XXXX inspection ( contract page XXXX, no geographic limitation stated ), curved-wall flashing/caulking replacement ( inspection findings page XXXX of same signed document state " Along this wall flashing and caulking need to be replaced '' ), and fascia replacement. XXXXXXXX XXXX own project XXXX later wrote that the curved wall was " resealed with XXXX XXXX roof cement, '' while the inspection findings in the signed proposal identified replacement as the necessary remediation. Resealing is not replacement. After XXXX sent a collection notice in XX/XX/XXXX, I timely disputed the debt in writing. XXXX responded XX/XX/XXXX by repeating XXXXXXXX XXXX position without providing any supporting documentation no signed contract, no itemized accounting, no completion records, no photographs proving the disputed work was done. XXXXXXXX XXXX response confirmed rather than resolved the discrepancies. This is an unresolved construction-performance dispute. A Florida XXXX XXXX Construction Defect Notice has been served on XXXX. XXXX should not treat, report, or disclose this account as undisputed or simply due and owing.

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 2026-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a credit card from Wells Fargo bank. I never applied for this credit card from Wells Fargo Bank. I saw the account posted in my credit report and tried to call Wells XXXX Bank to clarify the situation. But the office is closed at weekend. I also received a letter from Wells Fargo. As Wells Fargo bank, they received an online application to open a new deposit account using my personal information, but account was not open due to unable to verify my identity. I never submitted an online application for the deposit account. I suspected that my identity has been stolen. I will try to call Wells Fargo again on Monday to find out what happens.

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 2026-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against USAA Federal Savings Bank regarding the repossession and subsequent sale of my XXXX XXXX XXXX ( XXXX : XXXX ), which was repossessed in XX/XX/XXXX and sold in XX/XX/XXXX. After the vehicle was sold, USAA alleged that I owe a deficiency balance. I dispute the validity of this alleged debt because USAA has failed to provide the documentation necessary to verify that the repossession, sale, and calculation of the deficiency balance complied with Georgia law. On XX/XX/XXXX, I mailed a written request via Certified Mail to USAA 's XXXX XXXX Department requesting validation of the repossession, sale, and alleged deficiency balance. In my letter, I specifically requested copies of all notices required by Georgia law, including the Notice of Intent to Dispose of Collateral, proof of my right to redeem the vehicle, documentation showing whether the sale was public or private, the date and sale price of the vehicle, the name of the purchaser or auction, fair market value documentation, an itemized breakdown of expenses, and a complete accounting of how the alleged deficiency balance was calculated. Despite receiving my request, USAA has failed to provide the requested documentation. Without this information, I can not determine whether : The required post-repossession notices were properly sent ; The sale was conducted in a commercially reasonable manner ; The sale price was fair and reasonable ; The alleged deficiency balance was accurately calculated ; or USAA has a legal right to pursue collection of the alleged deficiency. Under Georgia law, a creditor seeking a deficiency balance after repossession must strictly comply with notice requirements and conduct the sale in a commercially reasonable manner. Failure to do so may bar recovery of any deficiency balance. Additionally, I requested that USAA cease collection activity and cease reporting any alleged deficiency balance to consumer reporting agencies until the debt was validated. If USAA is reporting a deficiency balance without providing documentation supporting its accuracy and legality, such reporting may be inaccurate and potentially violate the Fair Credit Reporting Act.

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