vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lien Receivables LLC
State: CA

Complaint narrative:
I am filing a complaint regarding severe violations of the Fair Debt Collection Practices Act ( FDCPA ) and the California Rosenthal Act by a debt collector attempting to collect a deficiency balance related to a towed and scrapped vehicle ( Impound File # XXXX ). On XX/XX/year>, I received a series of aggressive text messages from a collector at phone number XXXX ( XXXX ) XXXX. The collector initially threatened that failure to pay would result in a lawsuit that could affect my property on XXXX XXXX. In response, I sent a formal written dispute via text message, stating : " I am disputing this debt in its entirety. I am requesting official written validation of this debt be sent to my mailing address. Cease all text message and telephone communications with me immediately. '' Immediately after receiving my dispute, the debt collector explicitly refused to honor my request to cease communications and escalated to illegal intimidation tactics. The collector texted me stating there is " nothing to dispute '' and that they have been " instructed by my XXXX department to contact your place of employment, XXXX having you listed as a XXXX XXXX XXXX to initiate the necessary paperwork for wage garnishment. '' The collector also falsely claimed this action was being taken due to my " continued avoidance of communication, '' despite having just responded to my text. I am reporting this collector for the following violations : a. * * Threatening illegal actions : * * Threatening immediate wage garnishment without having filed a lawsuit or obtaining a legal court judgment against me.. b. * * Threatening third-party disclosure : * * Threatening to contact my employer 's XXXX department to discuss the debt and initiate garnishment paperwork.. c. * * Refusal to cease communication : * * Continuing to send harassing text messages immediately after I explicitly demanded they cease phone and text communications.. I have attached screenshots of the entire text message thread as proof of these severe violations and illegal scare tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financial wrongfully repossessed my vehicle due to an internal system billing error on an active catch-up plan. Their system double-charged me, their agent instructed me to dispute it with my bank as they said there was nothing they could do on their end, assured me that my car would not be repossessed even if the money was returned by the bank, and the resulting automated bank return triggered an immediate repo without notice or any opportunity to pay during non-business hours. I did as they instructed and trusted that my car was safe as they said. This was around the end of XXXX. I made a {$400.00} payment around XX/XX/XXXX to Ally to ensure additional payment. On XX/XX/XXXX in the late afternoon, I received the following text message from Ally, " Ally Servicing : Your vehicle has been assigned for repossession. Call XXXX to make a payment now or discuss your options. Reply HELP for help. '' A phone call was made to this phone number and their customer service in an attempt to resolve the issue, but they were closed due to it being Sunday. My car was repossessed around midnight that same night. When we spoke with Ally 's redemption department, they acknowledged that the double payment was made, but said there was nothing that could be done and I now needed to pay the full amount to get my car out. I did not receive any prior communication from Ally by phone, email, text, or mail telling me my car was up for repossession and the redemption department told me they didn't have to. After communicating with them that this was an error on their end, they have initiated an internal repossession investigation. I still have not received the written communication in the mail about my car being repossessed and up for auction, although they said I would have received it days ago. They say the amount owed to get my car out is {$3200.00}. They also only initiated the investigation after I said that I was in communication with legal representation. They also said that I cancelled the catch-up payment plan, which I never did.

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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding an institutional failure to protect my funds from a sophisticated Bank Impersonation/Caller ID Spoofing scam that occurred on XX/XX/year>, resulting in a loss of {$1900.00} from my checking account ending in XXXX. On XX/XX/XXXX, I received an INCOMING call that my mobile carrier logs prove lasted for 38 minutes. The caller ID was technically manipulated to perfectly mirror Wells Fargos official verified customer service number : XXXX. The caller accurately identified themselves as the Wells Fargo XXXX Department, bypassed my security awareness using the bank 's own identity, and induced a XXXX transfer ( Confirmation # XXXX ) to a fraudulent mule account under the name XXXX XXXX. I immediately filed a XXXX Police Department Report ( Case # XXXX ) and a Federal Trade Commission Identity Theft Report ( # XXXX ). I then escalated this case to Wells Fargo 's XXXX XXXX XXXX XXXX ( ECMO Case # XXXX ). In a final response dated XX/XX/year>, Escalations Representative XXXX XXXX explicitly admitted in writing : " we confirmed that you were targeted by a sophisticated scam in which a third party impersonated a Wells Fargo representative. '' Despite explicitly confirming in writing that a third-party criminal successfully hijacked Wells Fargos official phone identity to deceive me, Wells Fargo has refused reimbursement, claiming the transaction was " authorized. '' Under current CFPB guidance and Regulation E standards for induced imposter fraud, a consumer can not be held liable for a transfer induced under total fraudulent duress via the technical exploitation of the banks own communication infrastructure. Because Wells Fargo admits I was targeted by an institutional impersonator, I am requesting that the CFPB compel Wells Fargo to reverse this unfair denial and fully restore my {$1900.00}.

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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for the XXXX Credit Card by Bank of America on the XXXX Website prior to booking my flight. The promotional offer was for XXXX bonus points after spending {$1500.00} in 90 days. I met the spending requirement but only received XXXX bonus points and {$200.00} statement credit. I want the offer I applied for. It seems like it is a Bait and Switch offer

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
put about XXXX on my card to pay my bills and they closed my account and did not tell me why they did this. i was just sent to fraud for no reason or explanation.i just want the accounts closed and my money back. there is no negative balances or anything. just close my account and mail my check first class because this has now made me late on bills!!

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 2026-06-25 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: NJ

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for the Barclays XXXX XXXX that allows you to earn annual miles with Frontier Airlines. I made a few purchases during my time in Minnesota, then earned a {$200.00} statement credit. This statement credit paid for the annual fee. I made the {$500.00} purchases within XXXX months, and never got my XXXX miles I was promised. This was due to XXXX 's saying I never paid the annual fee. I told them, in communication on XX/XX/year> that I did in fact pay the annual fee through the statement credit, and it is listed on my bank statement. They said a statement credit does not count. They said because I never made a credit card payment that is equivalent to the annual fee, it does not count. I have NEVER heard this before with any credit card company. In addition to this, they never sent me a physical card even though I've tried multiple times to get XXXX. I've just been using my XXXX XXXX. They refuse to send me XXXX, and keep directing me to a number which is no help. Why should I have to pay a fee for a credit card I never got? I am seeking a reduction in my credit card bill because of this. The terms are misleading.

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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In response to my submission on XX/XX/year>, XXXX, that now has been closed : I completely dispute the Companys response to this complaint. They failed to identify clear red flags associated with extremely suspicious and out of the ordinary transaction on my account valued at over {$900000.00}, failed to lock down my account and stop the funds from going out of my account even after I notified Citibank about the potential fraud almost immediately after it occurred, and refused to timely provide me with information about the fraud that occurred on my account ( including refusing to tell me the account numbers where my money was sent to ) that could have been used to help recover my funds and could have allowed me to more promptly work with law enforcement. I am currently engaged in litigation with Citibank on this matter. I would be happy to share the lawsuit with you.

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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a debit card transaction dispute with Truist Bank regarding a merchant charge for {$13000.00}. The vendor officially canceled this order on XX/XX/year>, but failed to issue a refund. I possess explicit written confirmation from the merchant proving the cancellation and have submitted that information to the bank on XX/XX/XXXX. Today, XX/XX/year>, I contacted Truist Bank for an update on the investigation. A Truist representative informed me that because the bank is having trouble collecting the funds back from the merchant, they may not be able to resolve the dispute and will not issue a credit to my account.This is a violation of consumer protection standards and card network rules regarding " Credit Not Processed '' billing errors. Truist Bank is legally obligated to investigate and correct errors on my account based on the validity of my dispute and my written proof of cancellation. The banks internal inability to collect from a non-compliant third-party merchant does not absolve them of their duty to protect my funds. Furthermore, the bank has failed to provide a provisional credit despite the investigation extending past standard timelines.I am requesting that Truist Bank immediately honor my dispute, follow proper error-resolution procedures, and permanently credit my account for the full disputed amount of {$13000.00}.

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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
REPORTING STATEMENT In XXXX, representatives from a company known to me as XXXX XXXX came to my home and introduced a solar program to me and my family. They promised incentives, tax credits, and significant reductions in our electric bill. Based on these representations, they convinced us to sign a contract, and the solar system was installed shortly afterward. Not long after installation, the solar system stopped working. I contacted the company, and they sent someone to my home who went onto the roof. I am not sure what was done, but the system never resumed proper function, and there has been no improvement in my electric bills since installation. After that visit, the company became unreachable. Their phone numbers and emails stopped working, and I later discovered that the company no longer exists. The only contact information I had for them was : XXXX XXXX Both emails are now inactive. The financing for the solar system was originally set up through a bank called XXXX. I paid them for a long period, but eventually I learned that XXXX had closed or no longer existed. My loan was then transferred to Regions Bank. I contacted Regions Bank to report that I had been paying for years for a solar system that does not work and that the original company is out of business. Regions Bank informed me that they have no responsibility for the solar system and that I must fix it myself. I explained that I should not be required to continue paying for a nonfunctional system and requested assistance. They told me that if I stop paying, they will report me to the credit bureaus. As of today, I have paid over {$18000.00} for a solar system that has never provided the promised benefits and has not worked for years. I am struggling to support my family while continuing to make payments for a service that was never delivered. Attached are my statements and email correspondence showing my attempts to resolve this issue. I am requesting immediate assistance and investigation into this matter, as I believe I have been misled, financially harmed, and left without any support from the companies involved.

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 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ( " XXXX '' ), through its attorneys, HAYT, HAYT, & LANDAU, P.L., filed a lawsuit to collect an alleged consumer debt and relied upon an Affidavit of Debt, Bill of Sale, and assignment documents to establish ownership and standing. After reviewing the documents produced in my case, I identified what I believe are material inconsistencies. Specifically, the Bill of Sale and related documents appear to have been signed and notarized four ( 4 ) days before the alleged sale or transfer of the account actually occurred. In my view, a document can not truthfully certify a transaction that had not yet taken place. I also believe the Affidavit of Debt and Bill of Sale exhibit characteristics commonly associated with " robo-signing, '' raising concerns about whether the individual signing the documents had personal knowledge of the facts stated or whether the documents were executed through a routine process without proper verification. Despite these concerns, XXXX relied on these documents in court to establish ownership of the alleged debt. I believe the use of documents that contain these date discrepancies or that may not have been properly executed could mislead consumers and courts regarding the ownership and legal status of a debt. I believe this conduct may implicate provisions of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), 1692e ( 10 ), and 1692f, which prohibit false, deceptive, misleading, unfair, or unconscionable debt collection practices. I have attached copies of the Affidavit of Debt, Bill of Sale, and related court documents showing the dates that form the basis of my complaint. I respectfully request that the CFPB investigate whether XXXX and HAYT, HAYT, & LANDAU, P.L. used inaccurate or misleading documentation in connection with collecting this alleged 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX, I initiated a {$500.00} payment transfer from my Bank of America checking account to my XXXX XXXX XXXX credit card. I canceled the transfer almost immediately after submitting it. However, the {$500.00} was still removed from my Bank of America account and was never credited to my XXXX XXXX credit card. After repeatedly contacting both Bank of America and XXXX XXXX, neither company properly resolved the issue. Instead of refunding the missing {$500.00} back to my original Bank of America account, XXXX XXXX later initiated a separate {$500.00} transfer from my XXXX XXXX savings account into my XXXX XXXX checking account and told me this was my money being returned. I did not authorize this transfer. As a result, I am now short an additional {$500.00} from my XXXX XXXX XXXX funds while the original missing {$500.00} from Bank of America is still unresolved. XXXX XXXX has referred to this as a credit adjustment, but this did not restore the original missing funds and instead used my own XXXX XXXX money. I requested the ACH trace number, cancellation confirmation, transfer records, and an explanation of where the original {$500.00} is located. Neither company has provided a clear accounting of the funds or accepted responsibility. Both institutions continue directing me back and forth without resolving the missing money issue.

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