vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MD

Complaint narrative:
During the beginning of XXXX this year I was desperate for a loan to help cover expenses while I was on the verge of homelessness. As I was searching for a loan using sites like next day loans or loans for bad credit, one of the partner lenders for the site sent me with a pre approved loan for XXXX XXXXXXXX unfortunately quickly went through the loan agreement and saw that it was a pretty high interest loan with a XXXX of XXXX %. I thought I had plenty of time to pay that back before it got too crazy. Since I thought I only had to pay XXXX a month to go towards paying back the loan. So I quickly agreed to it on the XX/XX/XXXX and got the loan deposited to my bank account on the XXXX. When payday came around the funds came out automatically for my first payment on XX/XX/XXXX and I was fine with it. Then the next payday on XX/XX/XXXX the same thing happened and was a bit confused about why XXXX getting charged again, but because I was preoccupied with other things it slipped my mind. Then the next payday on XXXX came XXXX and I decided I need to check whats going on because XXXX already over paying what I thought was monthly payments. So I go to the lenders site and it wouldnt let me sign XXXX an account for the first time. So I kept trying until I could get logged in and saw my loan pay back payment didnt go down at all. So I checked my contract and it showed I needed to pay {$150.00} WEEKLY instead of monthly and started freaking out about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/year>, my U.S. Bank account ending in XXXX was closed. At the time of closure, the account had a remaining balance of approximately {$3300.00}. I was initially informed by customer service that a cashier 's check for the full remaining balance was issued and mailed out on XX/XX/year>. As of XX/XX/year>, I have not received the check. Furthermore, subsequent calls to customer service have resulted in conflicting statements, with representatives now claiming that a check was not mailed out after all. On XX/XX/year>, I spoke with a supervisor for nearly an hour trying to obtain basic facts regarding the status and location of my funds. The supervisor was unable to provide tracking information, clarify whether a check was generated, or explain where my {$3300.00} balance is currently held. U.S. Bank is withholding {$3300.00} of my money without clear explanation or accurate updates. I am requesting that U.S. Bank immediately locate these funds, provide proof of dispatch or tracking for the cashier 's check, and expedite the delivery of my full remaining account 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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> citi bank closed my account. They said I have to wait 3 month for them to issue my deposit to open the account back. I called in XXXX and they said they issued the check in the amount Of {$170.00}. Which was suppose to be {$200.00}. I never received a check. I called in XXXX and they said they issued a check on XX/XX/XXXX. I never received the check. They said they will issue another check. I called in XXXX they said they sent the check out on XX/XX/XXXX. I never received the check. They said they will issue another check. I called in XXXX and they said they issue a check on XX/XX/XXXX. I never received the check. The said they will send another check. I called in XXXX and they said they mailed the check XX/XX/XXXX. Now is going to be XXXX, my account was closed in XXXX of last year. They keep telling me the same thing over and over. My last call they are issuing another check. Ref # XXXX in the amount of {$170.00}.

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Non-Compliant System Splitting & Willful FCRA Dispute Violation - Unresolved Balance from Conceded Identity Theft Event ( Account No : XXXX ). On XX/XX/year>, Wells Fargo XXXX XXXX XXXX XXXX XXXX officially validated my underlying identity theft claim in my favor under Wells Fargo Closed Case Number XXXX and CFPB Case number XXXX pursuant to 15 U.S.C. 1681s-2. I am deeply grateful for this favorable decision where Wells Fargo conceded that I am a victim of severe identity theft, zeroed out my balance labeled " Closed with monetary relief '', and legally released me of all liability. However, while I respect your initial efforts, Wells Fargos system failed to resolve the other card from my original XX/XX/XXXX CFPB complaint. Your system deleted and zeroed out only the line ending in XXXX ( {$27000.00} ), while failing to resolve the secondary {$10000.00} balance with a {$9000.00} credit limit ( Account XXXX : XXXX ) that resulted from the exact same theft event. Continuing to report or allow an automated bureau rescission on this remaining line while possessing corporate verification of fraud is a willful FCRA violation under 15 U.S.C. 1681n. Wells Fargo is required under the FCRA to apply the exact same permanent command to the second account immediately. I demand an immediate human override to apply the identical fraud deletion command, relieving me of all liability, balancing this file to zero immediately, along with any other account tied to my Social Security Number.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I was planning a trip to XXXX for my XXXX boys. I guess XXXX of the airline sites were bogus because my phone was frozen, went XXXX, and came back up with my wallet showing. I contacted M & T immediately while the XXXX charges ( XXXX and XXXX ) were still pending. XXXX, a bank representative, assured me after asking repeatedly that the fund would be reversed and back in my account in XXXX business days. I called repeatedly for an update. Then on XX/XX/XXXX, after speaking to XXXX different representatives, and supervisor told me the case was closed because the funds were never posted. As you see in the enclosed picture of my bank statement, the funds were removed and posted. Now I have to wait up to XXXX days for a resolution when my trip is in 11 days. I also recieved a letter, also attached, saying that the funds were ever posted, and the case is closed. I had to have M & T reopen the case. This has caused me immense distress, XXXX, and XXXX. I saved for XXXX years to take my boys on this trip. Where is my protection against fraud with this bank?

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OK

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

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 2026-07-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
1=Citi Bank 2=Process Company 3=XXXX At # 3s location I used a # 2 ATM for a PIN # advance. I took it to the cashier at # 3s location and it was voided within 10 minutes this was XX/XX/XXXX roughly XXXX. The cashier at # 3 noticed I was a prefered customer and tried to waive the {$24.00} service fee canceling the transaction, the requested amount being {$400.00} making it {$420.00} total. The cashier at # 3 tried to run it and it again and was declined ISF because # 1 had put a hold on the previous amount. I CALLED # 1 that night and informed them of the event dynamics including the void information to no avail. # 1 held it until the XXXX and posted it as paid. Between the XXXX and XXXX I went rounds with all three companies # XXXX has no transaction log because it was voided. # 2 says they had a glitch and are looking into it, may take 90 or more days. So I file a dispute with Citi on the XXXX and am informed that Provisional Credit would be provided by XX/XX/XXXX do not panic. XX/XX/XXXX comes and goes so I call again, this time it takes hours to get through to where I need/ I have suffered the inference that I must have received the original transaction no less than 5 times, was told wait for a letter and hung up on. At this time I have nearly 20 hrs trying to rectify their mistake. Today I call and ask about the status of the dispute as it has been over 60 calendar days. This call takes 41 minutes to get to the right department and when I as I am required to repeat all info, put on hold about 10 minutes and then the representative tells me, AND I QUOTE " I will leave a message requesting your dispute status and they will inform you by mail when they are done, your account is frozen and in arears so I cant give you that information '' UNQUOTE. If we need to get into it They failed to provide requested documentation 12 ( CFR s 1005.11 ( d ) ). for starters and they are in violation of ( EFTA ) regulation E. and Im sure several more. Including the 10 day rule. My account is in the negative not only because of their action/inaction but their service fees and charges while in dispute and holding my money. Normally this would have been an inconvenience, but with my spouse fighting XXXX I have been off work and about to devote ALL my attention to the issue. I have never, ever been so disrespected by any company representative let alone several, XXXX, disrespectful and accusatory.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I.C. System, IncXXXX began reporting a {$260.00} collection account on my consumer reports for an alleged debt originally associated with XXXX XXXX. As of XX/XX/XXXX, the account continues to be reported with a balance of {$260.00} and is being reported as a past-due collection. After discovering this account, I disputed its accuracy and requested that I.C. System, Inc. provide documentation demonstrating that I am legally responsible for the alleged debt, including documentation supporting the amount claimed, the authority to collect, and the accuracy of the information being furnished to the consumer reporting agencies. Despite my dispute, I.C. System , Inc. has continued reporting the account to the consumer reporting agencies without providing documentation sufficient to verify the information. The account continues to appear as a collection, causing ongoing harm to my credit profile. Under the Fair Credit Reporting Act, furnishers of information are required to report information that is accurate and complete and to conduct a reasonable investigation when a dispute is received. I am requesting that I.C. System , Inc. : Conduct a reasonable investigation into my dispute. Provide documentation supporting the validity and accuracy of the alleged debt. Correct any inaccurate or incomplete information being reported. Delete the account from all consumer reporting agencies if it can not be verified as accurate and complete. The continued reporting of an account that has not been adequately substantiated has negatively affected my creditworthiness and ability to obtain credit. I respectfully request that this matter be investigated promptly and resolved in accordance with applicable 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 explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against MoneyLion regarding its failure to send me funds that were credited to my checking account after I closed it in the fall of XXXX. Despite multiple requests, including a formal request in XX/XX/XXXX and a follow-up phone call on XX/XX/XXXX, XXXX has not sent the funds, nor has it provided a resolution. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested and closed my MoneyLion checking account. XXXX. * * XX/XX/XXXX : * * A transaction dispute was resolved, and a credit of {$35.00} was applied to my closed account. Because the account was closed, I could not access these funds and they did not take the proper measures to send the funds to my address on on file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted MoneyLion to request that the credit balance be sent to me. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX, a Customer Care XXXX at XXXX, acknowledging my request. The email stated that I had XXXX options to access the funds : - Reactivate my account. - Have a check issued to my physical address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I promptly responded to the email and selected the option to have a check issued to my physical address on file. XXXX. * * XX/XX/XXXX : * * I did not receive the check. I called XXXX again on * * XX/XX/XXXX * *, to follow up on the status of the check. The representative I spoke with promised that I would receive a return phone call within 2 days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today, I have not received the promised phone call, nor have I received the check for {$35.00}. XXXX XXXX Why this is a Problem XXXX XXXX MoneyLion has had possession of my funds since XX/XX/XXXX. I have followed their process, requested a check as they instructed, and followed up when I did not receive it. The company has failed to deliver the funds and has not kept its commitment to call me back. This lack of communication and failure to provide a promised service is unacceptable. I am requesting the CFPB 's assistance in getting MoneyLion to send the check for the {$35.00} balance to my address as I originally requested in 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 explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Johnson Mark LLC for systemic, severe violations of the FDCPA. I have documented XXXX distinct voicemails on my personal line. On XX/XX/XXXX, a representative from Johnson Mark LLC called but failed to state why they were calling. On XX/XX/XXXX, representative XXXX XXXX left anonymous collection messages failing to disclose her debt collector status, slurring the company name, and failing to state who she was calling for. On XX/XX/XXXX, representative XXXX XXXX left a highly aggressive, threatening message utilizing illegal legal scare tactics, claiming ' a decision will be made on your behalf, ' while completely failing to meaningfully disclose the identity of her collection agency or state her debt collector status under 15 U.S.C. 1692. I have preserved all screenshots and audio recordings for my legal counsel

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 2026-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Autovest, L.L.C.
State: OK

Complaint narrative:
AutoVest began collection activity on an account originally serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without providing full validation and while relying on inaccurate information furnished by the original creditor. On XX/XX/XXXX, AutoVest sent a debt validation notice stating they purchased the account and are attempting to collect {$19000.00}. The notice lists a chargeoff balance of {$17000.00} dated XX/XX/XXXX, plus {$2700.00} in interest. However, the balance and dates are inconsistent with XXXX XXXX own documents, which show the vehicle was sold on XX/XX/XXXX, and a deficiency was established on XX/XX/XXXX. XXXX XXXX continued furnishing updates through 2026 despite having sold the account, and AutoVest is now reporting and collecting based on those inaccurate figures. AutoVest is reporting a balance derived from incorrect chargeoff data, incorrect dates of first delinquency, and missing sale information. They also began collection activity before fully validating the debt and resolving the inaccuracies inherited from XXXX XXXX. The account is being reported without proper investigation in accordance with FCRA and FDCPA requirements. I am requesting that AutoVest : Provide full validation of the debt, including the complete chain of title, the bill of sale, the deficiency calculation, and the auction sale documentation. Correct any inaccurate reporting derived from XXXX XXXX errors. Cease collection activity until proper validation is completed. I have attached the XX/XX/XXXX, validation notice and supporting documents showing the inconsistencies. Prior to AutoVests XX/XX/XXXX, letter, the only communication I received was from XXXX XXXX XXXX, not XXXX. XXXX did not provide full validation.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding a vehicle that I voluntarily surrendered after it became inoperable. The vehicle developed serious mechanical and electrical problems, so I took it to a repair shop for diagnosis. The repair shop attempted to perform diagnostic testing, but they were unable to complete the tests because the vehicle would not communicate with their equipment. According to the repair report, the vehicle may have been struck by lightning or suffered significant electrical damage. Because the vehicle was no longer operable and the cost of repairs appeared to be substantial, I made the difficult decision to voluntarily surrender the vehicle to the lender. Despite these circumstances, I am still being held responsible for the remaining balance after the vehicle was surrendered. I am requesting that the company review my account, the repair report, and all of the circumstances surrounding the voluntary surrender. I can provide copies of the repair shop 's documentation and any other supporting records that show the condition of the vehicle at the time it was surrendered. I also request a detailed accounting of how the remaining balance was calculated, including the sale price of the vehicle, how the sale proceeds were applied to my loan, and an itemized breakdown of any fees, interest, or other charges that were added after the vehicle was surrendered. I respectfully request a written response explaining the outcome of the investigation and any actions taken regarding my 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 explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: GA

Complaint narrative:
Refusal by U.S. Bank to Report Reinstated Post-Bankruptcy Mortgage Tradeline In XX/XX/XXXX, I filed a Chapter XXXX bankruptcy, which temporarily paused reporting on my U.S. Bank mortgage ( Account # ending in XXXX, Property : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). In XX/XX/XXXX, I filed a motion to dismiss the bankruptcy, which was granted, and the bankruptcy was dismissed- meaning the debt was never XXXX and the bankruptcy case concluded. Upon dismissal, I formally reinstated my mortgage account with U.S. Bank. Since XX/XX/XXXX, I have maintained a continuous payment history for over 8 years. However, U.S. Bank refuses to report this history to the credit bureaus, citing a blanket policy that they do not reinstate reporting for accounts that ever touched a bankruptcy status, regardless of whether the bankruptcy was dismissed and the loan reinstated. On XX/XX/XXXX, U.S. Bank formally reiterated this refusal in writing. This policy unfairly penalizes consumers who successfully dismissed their bankruptcies and kept their homes, suppressing accurate, credit data under the Fair Credit Reporting Act ( FCRA ). I am requesting that the regulatory agency compel U.S. Bank to correct its furnisher data practices, update my tradeline status to " Current, '' and accurately report my multi-year on-time payment history to Equifax, Experian, and TransUnion.

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