vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I had canceled my service with XXXX XXXX last fall because of the lack of information from the customer service, and my bill kept going up significantly after the bill got paid and the service was terrible, we switched to XXXX internet, the customer service service rep said they would let me know where to send the equipment but I got no information were to send it. I was not informed that they would send it to collections and the collection department never informed me that they had the bill and they reported it to the credit bureaus. Eastern collections never informed me I had to find out when I checked my credit on XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi AAdvantage credit for {$1200.00}. I received my first bill in XXXX due date XX/XX/XXXX amount {$41.00}, that's what I paid was {$41.00} on XX/XX/XXXX. I received my second bill due date XX/XX/XXXX minimum payment due {$43.00}, paid {$50.00} on XX/XX/XXXX. I received my third bill on XX/XX/XXXX minimum due {$42.00}, I paid off the full balance on XX/XX/XXXX {$1200.00} and closed out the account on that same day. I receive an email I had to sign off an agreement to close out the account. I started noticing I was being charge a late fee for {$30.00}, when I was making my payments on time. I received another bill for {$24.00} due on XX/XX/XXXX. I called Citi and asked why do I have a bill due, when I paid off the the full balance and closed out the account. I was given different answers first there was a charge on the account, 2nd there was a late payment made, 3rd they apologized for any inconvenience and were trying to remove the charge. I was going back and forth for about an hour. After waiting I was told they couldn't remove the charge and kept on hold until the rep hung up. I need this matter looked into I have several credit cards and I've never had any issues when I paid off a full balance due, or charge late fees for making on time payments. I can provide copies of all statements and when the payments were posted. The copy of the letter where I closed out the account.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am filing this complaint because Credit Control LLC is reporting an alleged debt of {$890.00} on my credit report that I dispute. I have concerns regarding the accuracy and validity of this account. I request that Credit Control LLC provide complete validation of the alleged debt, including documentation showing I am legally responsible for it, an itemized accounting of the balance, and proof that they have the legal authority to collect it. If they can not provide sufficient documentation to verify the debt, I request that they immediately cease all collection efforts and remove the account from all consumer reporting agencies. I also request that they investigate the accuracy of the information being reported and correct or delete any inaccurate, incomplete, or unverifiable information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

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 2026-06-22 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or about XX/XX/year> i tried to use my Wells Fargo Visa card to purchase a airplane ticket to XXXX because XXXX having a medical emergency. I used the website booking.com because I used them previously. On this occasion, the website advised me that the transaction could not be processed. I tried my Wells Fargo Bank debit card and I received the same message. I have XXXX balance on my Wells Fargo Bank XXXX card and I have sufficient funds on my debit card.its makes no sense that I was able to use this website using the exact same Wells Fargo Bank card and Now, Wells Fargo Bank is preventing me from using them. This makes the SECOND time that Wells Fargo Bank is blocking my ability to use my credit and debit card. I complain and nothing happens to this Bank because they keep repeating the same criminal acts.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
On XX/XX/year>, I sent Ability Recovery Services a written request for validation of the alleged debt and requested that the account be removed if it could not be properly verified. I have sent multiple letters and have not received any response or documentation validating this debt. This is my third attempt to resolve this matter directly with the company. I am requesting that Ability Recovery Services provide complete validation of the debt or remove the account from all credit reporting agencies and cease any further collection activity on this account. XXXX keep verifying the debt but not sending information showing signed contracts with the company or anything that is verifiable.

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 2026-06-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MIDFIRST BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I sold my home to another veteran. The veteran assumed my VA loan with their VA loan. All of the paperwork was completed and submitted to XXXX Mortgage. However, XXXX failed to file the XXXX XXXX XXXX with the VA. The VA believes I am still responsible for this loan. Because of this I am unable to use my VA loan at the moment to purchase a new home. I reached out to XXXX XX/XX/XXXX. They have been unable to locate and submit the VA XXXX paperwork to the VA because of the duration of time since the sale of my home in XXXX of XXXX. This has the potential to keep me from being able to purchase this house if XXXX isn't able to fulfill their obligation and submit the paperwork to the VA as required.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX continues to report inaccurate, inconsistent, and misleading information on my consumer credit reports despite my disputes.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my credit files maintained by Experian , Equifax, and TransUnion. After carefully reviewing my credit reports, I identified accounts being reported with late payment status that appear inconsistent, unverified, or inaccurate, which is negatively impacting my credit profile and financial standing. The accounts in question include XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX with a reported balance of {$150000.00}, opened XX/XX/XXXX, and last active XX/XX/XXXX, reporting a 30-day late payment in XX/XX/XXXX ; and XXXX ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$31000.00}, opened XX/XX/XXXX, and last active XX/XX/XXXX, reporting 30-day late payments in XXXX and XX/XX/XXXX. These reported late payment entries are serious derogatory marks that significantly affect my creditworthiness, and I have reason to believe they may not accurately reflect my true payment history or may not have been properly verified before reporting. Under the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and conduct a reasonable reinvestigation of disputed information ( FCRA 611 ( a ) ). Furnishers are also required to report accurate and complete information under FCRA 623 ( a ) ( 1 ) ( A ). Despite these obligations, the reporting of these accounts appears to lack sufficient verification and consistency, and I have not been provided with documentation confirming the accuracy of the reported late payments.

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 2026-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I got a loan from Ally a while back for a XXXX. In XX/XX/XXXX I paid the remainder of the loan off, around $ XXXX. The account even said paid off. In XX/XX/XXXX I get notified that I owe them almost {$200.00}. I asked them to explain this. They said it was a finance fee for interests accrued from the last four years. I asked how is this possible if the loan was paid off. They said I dont pay the loan off but rather sent them money to cover four years of notes. Yet I sent them exact amount owed to pay it off. They chose to apply it to the next four years of monthly notes to keep loan alive instead of paying the loan off that day. If you take the amount I paid monthly when the loan was active and times that number by how many months past in those four years, it matches to the payoff amount. My account even states 100 % paid off. They refuse to take this amount off and are sending it to collections. I dont remember them sending me the title of the vehicle, if they didnt send it, this would show intentional deceit. If they did send the title and I just lost it then that would show they agreed the loan was paid off and the debt is a mistake. I will be going to the DMV soon to acquire a copy and see if they are listed one it or not.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Claim XXXX " PURCHASE AUTHORIZED ON XX/XX/year> XXXX * XXXX XXXX XXXX CA XXXX CARD XXXX '' of amount {$110.00} is rejected. Wells Fargo claims that the merchant shows that the order is non-refundable and under email XXXX and phone number XXXX. However, this is not a DISPUTE, this is a FRAUD claim. I never authorized this transaction, so there is nothing to do with the refund policy. Also, there is no super.com booking associated with the phone number wells fargo provided. Most importantly, the phone number is bought from XXXX in XXXX. That's saying, this number didn't even exist when the booking is made. The evidence provided by Wells Fargo is completely unacceptable. My card was stolen, and I never authorized this transaction.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I attempted to withdraw {$1000.00} from a Wells Fargo ATM. No cash was dispensed and the dispenser door did not open. I then went to a separate Wells Fargo XXXX ATM and tried again using a different card, and the same thing happened no cash dispensed and the door did not open. When I checked my account, both transactions had posted and a total of {$2000.00} had been deducted. I filed a claim by phone and was given claim number XXXX for account ending XXXX. I was told XXXX claim number would cover both transactions. Wells Fargo provisionally credited the transactions while it investigated ( provisional credit letter dated XX/XX/year> ). The bank completed its investigation on XXXX of the XXXX transactions and refunded it. For the second, identical transaction, I received a denial letter dated XX/XX/year> stating that funds were dispensed and that the {$1000.00} provisional credit would be deducted on XX/XX/year>. I dispute this denial. The XXXX transactions occurred minutes apart during the same event, at XXXX different ATMs, using XXXX different cards, with the same failure : no cash and the dispenser door never opening. Wells Fargo refunded XXXX of these identical transactions but denied the other, which is inconsistent. I have also submitted a written request to the bank for the documents it relied on specifically the ATM electronic journal and the cash dispenser reconciliation / over-short balancing records because if the machine failed to dispense, it would have been over on cash at its next count.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this follow up dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, inconsistent, and unverifiable information appearing on my Experian , Equifax, and TransUnion credit reports. Experian is reporting charge-off accounts from AFFIRM XXXX, including account references XXXX XXXX XXXX XXXX XXXX with a balance of {$160.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$95.00}, and XXXX XXXX XXXX XXXX XXXX with a balance of {$110.00}. Experian is also reporting an inquiry from XXXX CARD dated XX/XX/year>, which I dispute as inaccurate or improperly verified. Equifax is reporting an inaccurate address listed as XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, along with charge-off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a {$0.00} balance and XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$4400.00}. Equifax is also reporting a collection account from XXXX XXXX INT, with Original Creditor XXXX XXXX XXXX, account reference XXXXXXXX XXXX XXXX XXXX XXXX, showing a balance of {$4000.00}. TransUnion is similarly reporting inaccurate addresses, including XXXX XXXX AV XXXX, XXXX XXXX, NJ XXXX and XXXX XXXX XXXX XXXX XXXX, NY XXXX, in addition to the same XXXX XXXX XXXX and XXXX XXXX charge-off accounts and the XXXX XXXX XXXX collection account with a balance of {$4000.00}. The inconsistent reporting of these accounts across the XXXX credit bureaus, combined with inaccurate personal information and unverified charge-offs and collection accounts, raises serious concerns regarding compliance with FCRA XXXX ( b ), XXXX, and XXXX ( a ) ( XXXX ) ( A ), as the information appears to have been reported without sufficient documentary evidence, proper validation, or consistent furnishing standards.

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 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Goldsmith & Hull A.P.C.
State: CA

Complaint narrative:
I am filing this complaint regarding unlawful debt collection activity based on a judgment that is no longer legally enforceable. Attorney XXXX XXXX XXXX attempted to collect on a XXXX California judgment that expired after XXXX years and was never properly renewed. Court records confirm that no Notice of XXXX of XXXX ( XXXX ) was ever issued or entered, and the clerk explicitly noted : No renewal in the court record. Despite this, the collector continued collection efforts, including sending a collection notice, filing enforcement documents ( abstract of judgment, writ of execution, memorandum of costs ), and causing a notice of levy to be delivered. These actions created the false impression that the debt was legally enforceable. The collector also filed a XXXX of XXXX of XXXX that appears false or misleading, referencing an XXXX that does not exist in court records. Some documents used incorrect names and addresses, and several filings were not properly served. Additionally, the collection notice included misleading language suggesting the collector could contact third parties to enforce a judgment, which exceeds the limited purposes allowed under federal law. These actions appear to violate the Fair Debt Collection Practices Act, including false representations, misleading service, and attempting to enforce an expired judgment. I respectfully request that the Consumer Financial Protection Bureau investigate this conduct, require the collector to cease all collection activity, and determine whether similar practices are occurring in other cases.

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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ND

Complaint narrative:
XXXX XXXX a letter was dated from usaa stating that XXXX XXXX funds from a dispute will be pulled as result in the provisional credit to be reversed. Its not that i do not agree with this its the fact that USAA can not wait four days when i will have all the funds available. I disputed a XXXX because their trucks are not properly checked in before the next customer rents and their XXXX up has caused financial and detrimental service. Now undue financial because XXXX is actually refunding and followed on their word to refund the service and there was no way that i could trust anyone to do something positive or that they would actually keep their word because XXXX threatened me on XXXX social media with destruction and destruction of my credit. And that is what is happening to me my credit bureaus and financial institutions through a back office or backdoor. I could not trust the financial institutions dispute investigation process with tons of facts and photos to do a fair investigation of any kind. They cant wait four days until I receive dept of va pay so i dont get XXXX with destruction of credit?

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 2026-06-22 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: MoneyLion Inc.
State: RI

Complaint narrative:
I had two transactions from a different XXXX XXXX in California, I live in Rhode Island my bank is Through Money Lion App the first transaction on XXXX XXXX was for the sum of XXXX at the first store the second one was for XXXX cents which drained my account! It was the same day maybe 1 hour apart .my information was obviously compromised. so I file dispute right away .a short time passed I got credit for XXXX cents back in my account, so I had to wait on investigators on the first charge of the higher amount I just heard back from them they concluded no error occurred this isn't about an error this a fraudulent charge on my account I don't know who or how they got my information but certainly I didn't do it, it's on the other side of the country.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I am a XXXX XXXXXXXX XXXX XXXX XXXX XXXX USAA has cut me from getting any money out of my account. They cut off my debit card. I have to wait a week for a new one. They are not allowing me to transfer my money to another account. XXXX, they have lied. They said I have a bad phone numbers, I havent sent in 18 months. Which is all a lie. I havent change my phone or email. My last XXXX was sent XXXX This is mine and my XXXX XXXX money they wont release. I CAN NOT get FOOD.

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