vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 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: SC

Complaint narrative:
XX/XX/year> I am requesting a full escalation and reconsideration of my dispute. The transaction descriptor shows XXXXXXXX XXXX XXXX XXXX, confirming the charges were processed through XXXX XXXX billing. I did not authorize, approve, or participate in any of these transactions totaling {$190.00}. I do not use XXXX, XXXX XXXX, or any related services, and these purchases were not made by me or anyone authorized. This is the second occurrence of unauthorized charges on my account. While a previous dispute was resolved in my favor, this current claim has been mostly denied, which I do not accept. I am requesting a full reinvestigation and reversal of the remaining disputed amount, as these are unauthorized transactions. I also request written documentation explaining the basis for denial. If this is not resolved, I will escalate the matter to the Consumer Financial Protection Bureau. 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 2026-06-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my checking was levied for XXXX by the California EDD Office. I contacted an EDD representative named XXXX on XX/XX/year>. XXXX informed me that no bank levy had been issued by the EDD department. I have been attempting to contact Wells Fargo to inform them of the information I learned from XXXX at EDD, but no one has been able to assist me.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Last week, we discovered that XXXX has been double biling us {$34.00} for the past 15 consecutive months and filed a dispute with Truist. Rather than credit back the wrongfully debited {$470.00}, Truist only credited 1 unauthorized debit of {$34.00}. Irinically, XXXX has been making the XXXX payment as part of our inducement for placing four phobe lines with them, last XXXX. However, with {$470.00} missing from our account, the auto-pay for XXXX processed and wrongfully placed our account in the negative. This should never have happened for two reasons : 1. Our balance should bever have been lowered by {$470.00}. 2. We set the account up so that it could never overdraft. The XXXX auto-pay should have rejected and we could have easily paid it from another account. I was in for XXXX yesterday and had no knowledge of any of it as I was not notifed by Truist. When I discovered it today, I spent 8 minutes on hold only to have a Truist rep answer and immediately disconnect the call. Last week, when I discovered that funds were wrongully debited by XXXX, I filed a dispute with Truist for the entire amount, only to discover that they only credited 1 payment of {$34.00} instead of 25 payments for {$470.00}. I still have no explanation as to why Truist wrongfully processed the XXXX payment, instead of rejecting it, as the account was set up to do.

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 — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Complete Credit Solutions, Inc.
State: GA

Complaint narrative:
Credit report showing negative information that i am not aware of.

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: U.S. BANCORP
State: IL

Complaint narrative:
Consumer Statement : I am filing a new complaint against U.S. Bank regarding my closed Business Essentials Checking account ending in XXXX ( Case No. XXXX ). The bank is currently withholding {$8500.00} of my legitimate business funds. In their previous response, U.S. Bank stated they are attempting a bank-to-bank process to return these funds to the " originating financial institutions ''. However, these funds were received through individual XXXX transactions from multiple clients over time. XXXX network architecture does not support automated, multi-month retroactive structural reversals. By pursuing an impossible return method, U.S. Bank is effectively permanently withholding my funds. Furthermore, because I had to change my phone, I no longer have access to past client communications, making it impossible for me to track reversals on their end. U.S. Bank has confirmed through their investigation that my account is NOT reported for fraud or abuse to XXXX XXXX XXXX XXXX XXXX. Since my account is clear of fraud reports, there is no legal basis to withhold my money. I demand that U.S. Bank stop this flawed reversal process and immediately issue a cashier 's check to my name for my full balance of {$8500.00}

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: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
Monterey Financial Services structured a consumer retail transaction for a durable good ( binoculars ) as a lease, despite the item having no commercial residual value and no return mechanism. This classification conceals the true cost of credit and appears designed to evade Idaho usury statutes and mandatory lending disclosure requirements. Fees and charges imposed exceed permissible interest rates under Idaho law. I previously contacted Monterey to resolve this matter and received no substantive response. On XX/XX/year>, I sent a formal written dispute and debt validation demand pursuant to 15 U.S.C. 1692g, requesting the original signed agreement, itemized payment history, and documentation of legal authority to collect. I demanded cessation of collection activity pending validation and deletion of this tradeline from all three consumer reporting agencies. This account is actively damaging my credit report and is materially affecting a time-sensitive real estate transaction currently in progress. Monterey has not responded to my validation demand or ceased collection activity.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am requesting validation of the debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including any fees or interest added. 3. Copies of any documents with my signature showing that I agreed to the debt. 4. Proof that your company has the legal authority to collect this debt. 5. Documentation showing I am legally responsible for the alleged account. 6. Proof that I allowed them to put on report Until you provide proper validation, I dispute this debt and request that all collection activities cease. I would like it to be removed from my report.

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 — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Timeline of Events : XX/XX/XXXX : I entered into an approved financial hardship application program with Freedom Mortgage. As part of this FHA loss mitigation process, I was placed on an approved XXXX payment deferral program. My next regular payment was deferred and scheduled to be due on XX/XX/XXXX. XXXX XXXX : While actively covered under the approved deferral, I submitted the required paperwork to transition directly into a permanent FHA loss retention program. XXXX XXXX : I contacted Freedom Mortgage to check the status of my application. The representative informed me that Freedom Mortgage had misprocessed my XXXX paperwork, treating it as a voluntary cancellation of my active deferral rather than a modification request. The agent admitted this was a servicing error and instructed me to resubmit the paperwork immediately, which I did. XX/XX/XXXX : My resubmitted paperwork was finalized, and I was formally accepted into a permanent FHA Loan Modification plan. This agreement legally cured the past due structure by placing the unpaid balance into a partial claim lien on the property. XX/XX/XXXX : Despite being continuously covered under an active loss mitigation status ( the initial deferral immediately followed by a fully executed loan modification on XX/XX/XXXX ), Freedom Mortgage reported my account to the credit bureaus as 120 days delinquent for the month of XXXX. XXXX XXXX : I contacted the servicer via email to dispute this. Freedom Mortgage refused to correct the data, sending boilerplate text claiming that the Fair Credit Reporting Act ( FCRA ) prevents them from altering accurate reporting.

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: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
There is a verification involved with getting your XXXX Citi credit card added to your XXXX XXXX and I was happy to do so, but their customer service has no idea what they are doing / completely AI generated and was not able to fulfill my request.

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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX I had successfully posted a XXXX XXXX of {$150.00}. XX/XX/XXXX at XXXX I had successfully posted another XXXX XXXX of {$500.00}. My total balance at this moment was {$800.00}. I had an ACH transaction for a car payment in the amount of {$800.00} that was due to post on XX/XX/XXXX. The morning of XX/XX/XXXX, I log into Citibank app to check my account and I see the total balance as {$650.00}. I immediately deposit another {$150.00} zelle to make sure that the pending car payment check does not bounce. This now again brings the balance to {$800.00}. I now do a thorough audit of my zelle transactions, and I see in the history of my Citibank XXXX account that shows successful completed XXXX in the amount of {$150.00}, {$500.00} and then another {$150.00} ( see screenshot ). Had I not deposited this amount my car payment would have bounced, it would have been XXXX days late as I live paycheck to paycheck, this would of caused my car to be repossessed, and a XXXX late payment on my credit which would DROP my credit score. I called Citibank to see if they can address the issue because my {$150.00} is still missing, they told me they are " having an issue with our system, please wait XXXX for the zelle to post ''. Which makes no sense because the amount had been cleared, and later removed, I asked why was it removed, and they could not provide me any answer. This practice is very shady, and I feel their system does this on purpose as this is the XXXX time it happened to me, the first 2 times I paid the late fees, this time I played it safe to check my account and quickly borrow money and deposit to cover the car payment.

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: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
I am disputing an inaccurate and fraudulent trade line being reported on my credit file by Credit Collection Services ( CCS ) under a partial account reference ending in asterisks. CCS is reporting a " Date Opened '' of XX/XX/XXXX for an alleged XXXX balance of {$110.00}. The original consumer account with XXXX was legally closed in XX/XX/XXXX. No account was ever opened, nor was any financial agreement entered into, with Credit Collection Services in XX/XX/XXXX. This timeline is mathematically impossible and constitutes illegal " re-aging '' of a debt to artificially deflate a credit score under the FCRA and FDCPA. Furthermore, the underlying balance is completely invalid. It was generated solely due to the negligence of XXXX 's customer service staff, who failed to properly process explicit consumer ACH cancellation instructions in XX/XX/XXXX when the policy was terminated. A formal dispute letter is being sent via Certified Mail to CCS demanding validation and proof of a signed contract from XX/XX/XXXX. They have failed to provide verification of a contract or a legitimate debt. Because this information is provably false, inaccurate, and unverified, it must be completely deleted from the consumer credit reports immediately.

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: 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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: GA

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 making or receiving payments
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
A XXXX payment from my friend into my account has vanished, amount is XXXX usd. Online banking account history does not even show this transaction exists, even though the XXXX activity page shows it is available.

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:
XXXX!!!!! 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: 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: VA

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 explanation
Consumer complaint received 2026-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency continues to disregard its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting and retaining fraudulent accounts and unauthorized inquiries on my consumer credit file that are the result of a data breach. Despite submitting a formal dispute pursuant to Section 605B [ 15 U.S.C. 1681c-2 ], together with a sworn affidavit and proof of identity, the agency failed to block or delete the disputed information within the four-business-day period mandated by law. Furthermore, the agency has not provided any competent, verifiable documentation bearing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to establish a lawful permissible purpose for the disputed inquiries. The continued reporting of this fraudulent and unverified information violates my rights under federal law and undermines the consumer protections guaranteed by the FCRA.

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
hi, i charged my cared ( via my additional ) overseas in XXXX currency and i have a card that is 0 % fees on XXXX transactions, and i was overcharged by XXXXXXXX XXXX off XXXX XXXX rate that was at the time i swiped my 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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: GA

Complaint narrative:
On XX/XX/year>, I received an account closure notice from the cryptocurrency exchange XXXX. The notice gave me a strict XXXX deadline, expiring on XX/XX/year>, to convert my remaining digital assets to fiat currency and withdraw all funds to my linked bank account. However, XXXX has simultaneously placed an " incomplete account access '' restriction on my profile. This system restriction physically prevents me from unstaking my balance of XXXX XXXX tokens, converting them to XXXX, and initiating the withdrawal that their closure notice demands. I am trapped in an administrative loop. I can not comply with their XX/XX/XXXX withdrawal deadline because their own platform restriction is blocking my access to the funds. I have repeatedly attempted to resolve this through XXXXXXXX XXXX official channels. I responded directly to their support email thread twice with no resolution. I also escalated the issue to their official support subreddit, providing my support ticket number, but their moderation team deleted my public post without lifting the account restriction. Finally, I filed a complaint with the XXXX XXXX XXXX ( Complaint ID : XXXX ), formally rejecting their response because their proposed resolution was physically impossible to execute due to the ongoing system lock. I am filing this complaint because XXXX is demanding I remove my assets by a strict deadline while actively using system restrictions to prevent me from doing so, putting my capital at risk. I am requesting immediate, manual intervention from XXXXXXXX XXXX compliance team to lift the restriction so I can unstake my assets and successfully complete the demanded withdrawal before the deadline expires.

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