vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I am disputing a collection account ( # XXXX, original creditor : XXXX XXXX, XXXX CA ) that appears on my credit report. I moved out of the apartment in XX/XX/XXXX and officially notified XXXX XXXX, which was confirmed and documented by them. My ex-husband XXXX XXXX emailed XXXX XXXX on XX/XX/XXXX, officially stating that I was no longer a resident since XX/XX/XXXX, that we are officially divorced, and that he is solely responsible for all payments. XXXX confirmed receipt of this request. The debt began accumulating only after I vacated. My ex-husband has already paid {$1700.00} to FCO and signed a new payment plan with FCO in XX/XX/XXXX in his name only, with monthly payments scheduled through XX/XX/XXXX. FCO recognizes him as the sole responsible party yet continues to report this debt on my credit report. I had no credit history at the time the lease was signed. I have filed disputes with XXXX XXXX XXXX multiple times all denied without proper investigation. FCO never provided any proof of my legal liability. I am requesting FCO remove this account from my credit report immediately.

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 2026-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting this complaint because I believe Barclays Bank Delaware failed to conduct a meaningful investigation into my dispute concerning the information it is furnishing to the nationwide consumer reporting agencies. I disputed the accuracy and completeness of the information being reported regarding my XXXX XXXX XXXX Credit Card account and submitted a detailed Direct Dispute to Barclays pursuant to the Fair Credit Reporting Act ( FCRA ). My dispute specifically challenged the accuracy, completeness, and verifiability of the information being furnished and requested that Barclays conduct a reasonable investigation. My dispute requested that Barclays investigate numerous aspects of the account, including but not limited to : Account ownership Account status Payment history Charge-off reporting Date of First Delinquency Balance calculations Past-due amount XXXX XXXX reporting accuracy Investigation methodology Documentation supporting the information being furnished to the consumer reporting agencies My dispute also requested copies of the documentation relied upon during the investigation, including the original account documents, payment history, charge-off documentation, and records supporting the information being reported. Barclays received my dispute and subsequently mailed a response dated XX/XX/2026 stating only that it had completed its investigation and determined that the account was being reported accurately. Barclays also stated that it would add a notation indicating that I dispute the account. However, Barclays did not meaningfully address the specific issues raised in my dispute. Instead of responding to the individual disputes presented, Barclays provided only a conclusory statement that the account was accurate. The response did not explain : How the investigation was conducted. What records were reviewed. What information was relied upon. How the reported balance was verified. How the reported charge-off information was verified. How the Date of First Delinquency was verified. Whether the XXXX XXXX data furnished to the consumer reporting agencies was reviewed for accuracy. Why the information should be considered complete and accurate. Additionally, Barclays did not provide the documentation requested that would support the information it continues to furnish to the consumer reporting agencies. Because of this, I have been left without any meaningful explanation as to how Barclays concluded that the disputed information is accurate. I believe Barclays ' response failed to meaningfully address the substance of my dispute and failed to provide an adequate explanation of the investigation that was performed.

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 2026-07-01 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:
I am requesting that my debit card dispute be reconsidered. I originally filed the dispute under " Item Not Received '' because the order was significantly delayed, and I reasonably believed it was never going to arrive. However, after I filed the dispute, the merchant eventually shipped an itembut it was completely different from what I ordered. Since then, the merchant has taken down their website, further indicating fraudulent activity. Wells Fargo has refused to review my claim under " Merchandise Not As Described '' because the original dispute was categorized as " Item Not Received '' and is now considered closed. I have substantial evidence supporting my claim, including : Photos showing the incorrect item that was sent. Screenshots documenting numerous reports from other customers describing the same bait-and-switch scheme. Evidence that the merchant 's website has since been taken offline. This is not simply a shipping delayit is a case of merchandise that was not as described and appears to be part of a fraudulent operation. I respectfully request that my dispute be reviewed under the appropriate dispute category based on the evidence provided

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 2026-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MI

Complaint narrative:
Complaint Description : U.S. Bank is unlawfully withholding my Michigan Unemployment Benefits on my ReliaCard account. I am a fully verified worker who depends on these state funds for my livelihood.My Michigan driver 's license recently expired. I immediately went to the Michigan Secretary of State, renewed it, and was issued a legally binding temporary paper ID while the plastic card prints. I contacted U.S. Bank customer service, and TWO separate supervisors explicitly told me that my official Michigan renewal paperwork, my expired physical photo ID, and a selfie would be sufficient to unlock my account.After submitting these documents and receiving verbal confirmation from bank leadership, U.S. Bank has reneged on their agreement, changed their mind, and locked me out of my funds again. They are rejecting my legal state documents and refusing a manual override. They are denying me access to my government benefits during a critical time. I demand that U.S. Bank honor the agreement made by their supervisors, manually review my Michigan Secretary of State paperwork, and immediately release the lock on my funds.

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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am currently unemployed due to a layoff and reached out to Citibank to explore hardship assistance options for my credit card account. During my first call ( XX/XX/year> ), I verbally stated that I had been laid off and asked what hardship program options were available to me. I was transferred to a different department, where a representative offered to close the account, reduce my monthly payment by approximately 50 %, and lower my interest rate to 0 % for the remaining balance. I called back two additional times to confirm and proceed with this offer. Both subsequent representatives stated that this offer was not available on my account and could not locate or honor what the first representative had described. Neither rep could confirm whether the original offer had been logged in my account notes. I also explicitly asked both reps about : - A temporary or permanent interest rate reduction : denied - A minimum payment reduction without account closure : denied - Any other hardship program options : denied The only option presented consistently across all three calls was to close the account with no change to my interest rate or monthly payment providing no financial relief while negatively impacting my credit. I am seeking Citibank 's review of my account and the call records from all three interactions to determine whether the original offer was valid and why it could not be replicated or honored by subsequent representatives. I am also requesting that Citibank provide a clear and consistent explanation of what hardship assistance, if any, I qualify for.

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 2026-07-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On or around XX/XX/XXXX XXXX XX/XX/year>, I purchased a PLAYCARD prepaid debit card with a {$500.00} cash deposit. As I tried to enroll and activate an account for online access I was unable to successfully do so and the website provided a number to call for assistance. When I called, I spoke with a customer service agent and provided all my information but we were unable to activate the online access account. So then he advised me that I would be receiving a refund check within a few days in the mail. When I received the check, the payee name was " XXXX XXXX ''. I wasn't able to cash the check because of that reason. When I called to try and fix this problem they asked for pictures of the front/back of check, front/back of prepaid card, receipt of the purchase, State issued Identification card , Social Security Card, and a utility bill for proof of address. After I sent the documents, I received an automated email stating that after reviewing the information they found my account was closed and haven't helped in any way to fix this problem. At least XXXX emails and sent them photos of my personal ssn and state ID and I am done trying to contact them. I want my money back. The attachments show how many times I have emailed them and they still dont want to help.

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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I have an account with XXXX XXXX XXXX, I closed this account many months ago,, They to this day still charge me an open account free of {$15.00} every month on my closed account. I have demanded this stop,, they state that if I owe XXXX cent they will continue to charge me a fee of {$15.00} every month until the balance gets to XXXX and I agreed to that,, I agreed to an OPEN account I would pay a monthly maintenance fee not a CLOSED account but they fail to stop commiting fraud and charging me monthly fees.. I want EVERY cent returned back to me on any fees charges on a open account that has been closed for many months.. They do what they want because no agency had done anything to stop this fraud and illegal charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: PINNACLE RECOVERY, INC.
State: SC

Complaint narrative:
I have repeatedly requested the written Non-Use Settlement agreement before agreeing to pay approximately {$7000.00}. Despite those requests, Pinnacle Recovery has not provided the written settlement agreement, a written decision regarding my settlement proposal, or written confirmation of the legal effect of the proposed Non-Use Settlement, including whether completion of the settlement would fully release me from the remaining loan balance, future maintenance fees, assessments, and any other contractual obligations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint because I believe Citibank did not handle my disputed fraudulent charge in a timely manner and now the merchant is unreachable. My dispute involves two related charges made at the same time without my permission. The card number was provided to this merchant for the sole purpose of issuing a refund, but instead they charged two amounts without my permission : {$1000.00} and XXXX. Citicard processed the {$1000.00} permanent chargeback timely, but the larger second transaction was handled differently. I provided Citicard with the information requested and cooperated throughout the investigation. Despite the similarities between the two disputes, Citicard delayed in resolving the larger claim. During this extended period, the merchant became unreachable and is no longer responding. Citibank has now informed me that the dispute is closed because the merchant 's bank will not reverse the transaction and there is nothing further they can do to recover my money. I believe Citicard 's delay materially harmed my ability to obtain relief. Had the larger dispute been handled with the same promptness as the {$1000.00} dispute, there would have been a much greater opportunity to recover the funds before the merchant disappeared. I am requesting the CFPB review whether Citibank complied with its obligations under the Fair Credit Billing Act and Regulation Z in investigating and resolving my dispute. I also ask that Citicard explain why two related disputes involving the same merchant were handled so differently and why the larger dispute was not resolved with the same diligence as the smaller one. I have also requested relief from the interest that was charged during this investigative process and they have refused. Thank you for your consideration of this complaint.

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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX Re : Request for Debt Validation Collection Agency : IC SYSTEM Amount : {$3200.00} Opened : XX/XX/XXXX To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. I dispute this alleged debt and request validation pursuant to 15 U.S.C. 1692g. Please provide : ( 1 ) the original creditor ; ( 2 ) the account number ; ( 3 ) an itemized balance ; ( 4 ) copies of documents showing I am legally responsible ; ( 5 ) proof you are authorized to collect ; and ( 6 ) the date of last payment and delinquency. Until validation is provided, cease collection activity and mark the account as disputed. If you can not validate the debt, remove any inaccurate reporting to the consumer reporting agencies. Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 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: CA

Complaint narrative:
I am submitting a formal complaint against Citibank regarding a misallocated payment, negligent misrepresentation by staff, and the refusal to correct a documented account error. On XX/XX/XXXX, I called Citibank about an expiring 0.99 % APR balance transfer ( XXXX XXXX, {$1600.00} ). During the recorded call, I repeatedly requested the exact payment needed to eliminate this balance. The representative confirmed several times that a payment of {$1600.00} would achieve this. Despite my clear instructions and the representative 's confirmations, the automated system applied most of my payment to a different balance transfer ( Offer XXXX ), which I had recently activated and already paid a 5 % transfer fee for. As a result, Citibank is charging me full interest ( 23.49 % APR ) on the balance I intended to pay off, and the 5 % fee on the other balance was wasted. Under the common law doctrine of " Specific Application of Payments, '' a debtor has the right to determine how a voluntary payment is applied. By accepting my payment after I directed it to the expiring offer, Citibank is obligated to honor that allocation. Furthermore, the representatives inaccurate confirmations constitute Negligent Misrepresentation, as I relied on their guidance to my financial detriment. On XX/XX/XXXX, a customer service supervisor reviewed the XX/XX/XXXX recorded call, acknowledged the representative 's error, and began a reversal process. However, on XX/XX/XXXX, the Citi Executive Response Team denied my request in a standard letter, citing automated allocation rules ( Section XXXX of their Card Agreement ). This response disregarded the verbal contract, the documented employee error, and Citibank 's authority to correct such errors under Section 13 ( " Correction of Errors '' ). I requested that Citibank preserve evidence related to this dispute, including all phone recordings, chat logs, and internal notes associated with my account on XX/XX/XXXX and 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 2026-07-01 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:
I had fraud in the amount of {$1700.00} happen to my Wells fargo checking account on XX/XX/XXXX. 2026, Wells fargo did not do a proper investigation. No receipts of purchases or correspondence with business who committed the fraud. They are stating that the police have to do the investigation.

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 2026-07-02 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: TN

Complaint narrative:
This past weekend I lost my debit card. I am not sure exactly when or where it was lost so I moved all my money out of the account to my other bank in case someone found it and tried to use the card and because the bank isnt open to issue a new card and I needed access to the money. I reported my card lost/stolen on the app and ordered a new card. Charges that were not pending on the account then started pending monday, resulting in XXXX overdraft fees of XXXX dollars each, putting the account at- {$150.00}. These were my charges on the account and I have the money to cover them but not the overdraft fees. Early that morning, my father in law transferred me {$150.00} via XXXX not knowing what was going on with the account. He sends money monthly as we pay his bills, phone, medical, etc. all of money was credited towards the negative balance. I talked to multiple people at customer service and the local branch. Im not eligible for a courtesy refund till XXXX. All of that money is gone, Im still negative and Truist bank who ive banked with for 15 years is unwilling to help. I just want to get the overdraft fees removed from 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 explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am filing this complaint regarding Ally Financials reporting of my auto loan account on my credit reports. My credit report dated XX/XX/year>, continues to show this account as charged off with a balance of approximately {$17000.00}. I disputed the accuracy of the information and requested that Ally Financial conduct a reasonable investigation and provide documentation supporting the information being furnished. Specifically, I requested the original signed loan agreement, complete payment history, the date of first delinquency, the charge-off date, documentation supporting the reported balance, and documentation showing how the information reported to the credit reporting agencies was verified. I do not believe Ally Financial has adequately addressed my dispute or provided sufficient documentation supporting the information being reported. If the information is accurate, I request that Ally Financial provide the documentation supporting its reporting. If any information can not be verified or is inaccurate or incomplete, I request that it be corrected or removed from all consumer reporting agencies.

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 2026-07-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX, i 2026 at XXXXXXXX XXXX. I went to near the XXXX XXXX, Wells Fargo XXXX XXXX, California to take out money off my XXXX card that had a balance of {$220.00}. I only asked for XXXX and it took off my whole XXXX amount that I receivedand it said I had insufficient funds as I was on my app in front of the ATM. It showed my balance it returned my card to me and didnt open the slot for the XXXX. I refreshing my phone and my money is gone. The location it says took my money was XXXX XXXX XXXX XXXX XXXX XXXX, California, Ive never been there before. This is an inconvenience for me. I have rent due today and I trusted Wells Fargos bank because I bank with you guys.

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