vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
Aargon Agency is attempting to collect an incorrect medical debt of {$980.00} for an emergency ambulance transport ( Reference : XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX XXXX A. The primary insurer processed this emergency claim under Claim ID XXXX with Remark Code [ XXXX ], explicitly overriding the out-of-network status and forcing the charges to the capped in-network benefit level, issuing a plan discount of {$920.00}. The secondary insurance subsequently issued direct payments totaling {$510.00} against this service under Tracking ID XXXX. Crucially, the secondary insurer applied XXXX Code * XXXX to the payment data, explicitly stating that the provider accepted the primary plan 's allowance and that the member is not responsible for any remaining balance. The provider voluntarily chose to accept, process, and cash the secondary insurance check. In doing so, they entered into a legally binding common-law Accord and Satisfaction, waiving any right to pursue a remaining balance. Instead of adjusting the patient ledger to {$0.00}, they ignored their insurance contract terms, applied the secondary payment against their unadjusted raw sticker price of {$1400.00}, and sent a fabricated balance of {$980.00} to collections. A formal dispute was sent to Aargon Agency via XXXX Mail on XX/XX/year>, within the statutory XXXX window, providing copies of these EOBs. Aargon signed for the packet, ignored the contract resolution, and mailed back a certified demand for the unadjusted {$980.00}. Aargon Agency is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( XXXX ) ( A ) ( misrepresenting the character or amount of a debt ) and XXXX U.S.C. XXXX ( XXXX ) ( unfair collection practices ) by enforcing collection on a contractually extinguished debt. I ask the CFPB to compel Aargon to cease collection actions and close this file with a permanent {$0.00} balance.

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 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: FL

Complaint narrative:
Albert Corporation has been charging for a service I did not sign up for. They have also changed the price for the service and charged me for it without notifying me of the price change. They have made it nearly impossible to cancel through the app. They claimed I had a balance that I owed them from a " savings '' account that took money from my connected account and I took it back. Now they say that I have to pay them in order to deactivate the account.

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 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have two Navy Federal credit card accounts reported on my credit reports as closed on XX/XX/XXXX. Both accounts are reporting as charged off and/or in collections, with remarks stating profit and loss write-off and account closed by credit grantor. Account 1 was opened on XX/XX/XXXX, with a reported balance of approximately {$26000.00}. The last payment reported was XX/XX/XXXX. Account 2 was opened on XXXX XXXX XXXX, with a reported balance of approximately {$11000.00}. The last payment reported was XX/XX/XXXX. I previously disputed these accounts and requested full verification of the debt, including documentation supporting the balances, charge-off status, and the basis for the collection reporting. The disputes were denied ; however, I was not provided meaningful documentation or explanation showing how the information was verified. At this time, I am requesting complete validation and documentation of these accounts, including how the balances were calculated, the current ownership or servicing of the accounts, and confirmation that the reporting is accurate. If the information can not be fully verified and substantiated, I request that the accounts be corrected or removed from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 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: M&T BANK CORPORATION
State: VT

Complaint narrative:
I have several issues with the bank because of their security. We had fraudulent checks withdraw from my account and the bank was supposed to close the account and investigate the fraudulent checks and return the money to me that never happened. Same issue we have the Bank overpaid XXXX checks and promised me over XXXX weeks ago XXXX return the money back that never happened. Once again, another fraudulent check left from my account and the bank still saying they have to investigate and theyll take them up to 60 days and XXXX know that theyll never happen again. customer service always telling me to see a XXXX manager, which Ive been going to the branches to talk to a manager for the past XXXX weeks and no manager on duty.

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 2026-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am disputing the collection account being reported and collected by Radius Global Solutions for an alleged XXXX XXXX XXXX debt in the amount of approximately {$1000.00}. I request validation of this debt and documentation proving that I am legally responsible for the account. Specifically, I request copies of any agreement creating the obligation, documentation showing the amount claimed is accurate, records demonstrating that Radius Global Solutions has authority to collect the debt, and documentation showing that the debt was properly transferred or assigned. Until the debt is validated, I dispute the accuracy and validity of the account and its reporting to consumer reporting agencies. If Radius Global Solutions can not provide competent evidence supporting the debt and its reporting, I request deletion of the account from all consumer reporting agencies. I request a full investigation and written response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi assessed interest on a Citi ThankYou Preferred credit card ending in XXXX after Citi XXXX told us by phone in XXXX and XX/XX/XXXX that the account remained in XXXX XXXX XXXX promotional XXXX period. We relied on those representations. After we disputed the improperly assessed interest and stopped autopay/attempted to close the account beginning in or around XX/XX/XXXX, Citi continued XXXX to draw funds from our bank account. We dispute the interest, fees, any derivative charges, any adverse credit reporting, and any unauthorized continued payment attempts. We request reversal of all improper interest and fees, confirmation that no adverse credit reporting will occur, confirmation that all payment authorization is revoked, and a written accounting and call review.

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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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 2026-06-18 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: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year> I opened a checking and savings account online at US bank. These accounts were opened successfully after depositing {$200.00} into checking and {$50.00} into savings. I received congratulations emails from the bank on successfully opening both accounts. I then set up a debit card which was then said to be processing to be sent to my mailbox. I then transferred an additional {$1200.00} to my savings account. The bank I transferred the funds from XXXX XXXX Colorado ) confirmed my transfer of funds. The next day, XX/XX/year> I logged into my online account and was shown a screen that said no active accounts. I immediately called bank and received no help as to what happened to my account or my finances. The next day XX/XX/year> I called again and was told that my account could no longer be found and that my private accounts had somehow been tuned into a beneficiary upon death account on my mothers account ( completely separate account with no relation to my private accounts at US bank ). When I created my accounts, there was no information given about my mother or any relation to us. They would not provide any further information as to how my mother gained access to my accounts or how the ownership of my accounts had been transferred over to her and I had received no notifications or contact as to this taking place. They have also lost the {$1200.00} that was deposited. I have emails confirming this transfer as well. They continue to be dismissive and not take the breach of my finances or information seriously. I have been without access to my finances with no assurance other than go to a branch. I tried to explain that due to my work schedule I do not have the ability to go to a branch while they are open before the weekend and need my finances and information secured and avaible before then. They refused to help further. I asked again how this could have been done without my permission or my presence at a branch and they had no answer other than we will take your complaint. This breach was completed without the need of my presence at a branch however they offer no other resolution or offer an explanation or provide any other accountability other than requesting to have my XXXX mother and myself drive to different parts of the state ( she lives far from me ) to resolve this issue together. This is an unreasonable request to an unreasonable breach of my finances and an inadequate response to an unlawful breach of contract. I have missed payments, bills and do not have access to my funds and have had a breach in my financial information with no sense of urgency or accountability from this financial institution. I have never experienced anything like 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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
Waypoint Resource Group sent me a text message at XXXX XXXX attempting to collect a debt.

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 2026-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 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: CA

Complaint narrative:
In XX/XX/year>, unauthorized transactions totaling {$2800.00} were made on my Barclays Hawaiian Airlines World Elite Mastercard at XXXX # XXXX in XXXX XXXX, California. At the time of the transactions, my physical credit card was missing and was never recovered. On XX/XX/year>, Barclays ' fraud monitoring system identified suspicious activity on my account and sent me a fraud alert regarding a {$990.00} transaction. I immediately responded that the transaction was not valid. Barclays subsequently declined an additional transaction attempt and instructed me to contact the bank immediately. I promptly called Barclays and reported the activity as unauthorized. Following my report, Barclays blocked the compromised card and issued a replacement card. I subsequently filed a fraud claim and provided supporting documentation, including evidence that I was at work at the time of the transactions and screenshots showing my immediate response to the fraud alert. Despite the fact that the card was permanently lost, the transactions were flagged by Barclays ' own fraud detection system, and I immediately denied and reported the charges, Barclays denied my fraud claim multiple times. The denial letters simply state that Barclays concluded the transactions were not fraudulent but do not explain what evidence was relied upon to determine that I authorized the purchases. I am requesting a complete reinvestigation of this matter and a detailed explanation of the evidence relied upon to conclude that I authorized these transactions. I am also requesting copies of any merchant documentation, transaction authentication records, signed receipts, or other evidence reviewed during the investigation. I do not believe I am responsible for these charges and respectfully request reimbursement of the disputed amount if Barclays can not demonstrate that I authorized the transactions.

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 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Inaccurate Information Under the Fair Credit Reporting Act To Whom It May Concern : I recently reviewed my consumer credit report and noticed that the accounts listed below are not being reported with maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). I am requesting that you conduct a reasonable investigation into these accounts and delete any information that can not be verified as accurate and complete. Disputed Accounts : Account Name : XXXX FUNDING Account Number : XXXX This account is not showing maximum possible accuracy according to XXXX U.S.C. XXXX ( b ). The open date and/or date last active are inaccurate. Please delete this account immediately for violation of XXXX U.S.C. XXXX ( b ). Account Name : XXXX XXXX Account Number : XXXX This account is not showing maximum possible accuracy according to XXXX U.S.C. XXXX ( b ). The open date and/or date last active are inaccurate. Please delete this account immediately for violation of XXXX U.S.C. XXXX ( b ). Please provide me with the results of your investigation and send an updated copy of my credit report reflecting any corrections or deletions made. Thank you for your time and attention to this matter. 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
Consumer complaint received 2026-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding the closure of my debit/ATM card on XX/XX/year> following a review of my account. The bank informed me that my card was closed to prevent further risk and that I may not be eligible for another debit card for at least XXXX months. Prior to the closure, I submitted several debit card disputes involving transactions that I believed were unauthorized or incorrectly charged. Some disputes involved vending machine purchases at my college dorm where products or services were not properly provided and the issues were outside of my control. I no longer live in that dorm, so those vending machine-related issues will not occur again. I also disputed a XXXX transaction for {$210.00} after returning the item and not receiving the expected refund. The bank denied at least XXXX of my claims after review. I believe the bank XXXX have based its decision to close my debit card on my dispute activity rather than fairly considering the circumstances of the transactions. I was not attempting to misuse the dispute process and submitted disputes because I believed the charges were legitimate issues that needed to be resolved. I believe the bank unfairly closed my debit card because I filed disputes regarding transactions that I genuinely believed were incorrect. I am requesting that the bank review its decision and remove the restriction preventing me from obtaining a replacement debit card.

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 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: TX

Complaint narrative:
On XX/XX/year>, I formally submitted a written request to the company to revoke all XXXX authorization for my bank account. I requested written confirmation that this revocation had been processed. In response, the company has refused to provide this confirmation. Instead, they are conditioning my legal right to revoke XXXX authorization on the completion of in-app account closure or service cancellation procedures. I have explicitly informed the company that my request for XXXX revocation is a distinct legal right under the Electronic Fund Transfer Act and Regulation XXXX ( XXXX CFR XXXX ), and that this right is not conditioned upon the closure of my account. Despite my clear notification, the company continues to deflect and refuses to provide the requested confirmation of revocation. I am seeking the CFPB XXXX assistance to ensure the company adheres to federal law and XXXX Operating Rules by immediately processing my revocation request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation