vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
The banking company is TRUIST, and the illegally added XXXX is XXXX XXXX XXXX, which monitored my personal account for years. During the illegal monitoring of my personal accounts at Truist, members of XXXX XXXX XXXX testified in a custody case, and their comments revealed private financial information, causing harm in the custody case. Ultimately, custody was altered, and the financial burden was increased, causing psychological and mental XXXX and an increase of {$920.00} a month in further support. When I called the Fraud line the first time, Truist Fraud Prevention admitted to over 30 pages of XXXX XXXX XXXX accessing my account over the last several years. When I questioned the local bank, they provided proof of another unauthorized person on the account, and the XXXX was subsequently added. They provided proof that my signature was NOT on that authorization letter and that it was added without my consent. Since requesting more information with Truist, I received an email stating their oversight, but the bank refuses to respond to any correspondence thereafter.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint : 15-Year Customer Trapped in Predatory Overdraft Loop During Involuntary Unemployment and Divorce I am writing to file a formal complaint regarding predatory fee practices on my checking account with Wells Fargo . I have been a loyal customer for over 15 years. Despite my long-standing history, the bank has aggressively penalized me during an extreme personal and financial crisis, pushing my account deeper into a negative balance entirely through compounding bank fees. Recently, my life was upended by an involuntary job loss and a divorce. I have filed for state XXXX XXXX which are currently processing. Since XX/XX/year>, Wells Fargo has hit my account with sixteen ( 16 ) separate {$35.00} overdraft fees, totaling {$560.00}. When this crisis began, I proactively called customer support to file a relief claim and requested that the bank freeze, stop, or completely close my account to prevent further financial bleeding. I was explicitly told " No, the account can not be closed until it is brought to a positive balance. '' By refusing to close or freeze the account, Wells Fargo chose to intentionally trap me in a compounding cycle of {$35.00} fees that the bank knew I had no income to pay. My previous verbal claim for relief was summarily denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my consumer report. I am also a documented victim of a major data breach that exposed my personal information, which requires heightened procedures to ensure maximum possible accuracy under the Fair Credit Reporting Act. There are unauthorized inquiries, inaccurate negative account details, and incorrect payment history being reported without sufficient documentation or competent evidence showing the information is complete and accurate. In addition, proper documentation, details regarding the method of verification, and proof that reasonable procedures and safeguards were applied have not been provided. The continued reporting of inaccurate and unverified information is negatively affecting my credit profile and financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
The company does not have a clear path were you can just pay on principle without making a full payment. Then when you call and try to make an additional payment on principle they say it will take a week.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo is a scam bank They allowed fraud after I reported Had my card skimmed but they think it was stolen and refuse to investigate or provide me information on how they came to the conclusion its my fault. Wells Fargo failed me They allowed fraud and reversed credits 3 months later beyond their policy so more lies

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 2026-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: CO

Complaint narrative:
Creditcontrol reached out to a family member via email and used my name, address and last 4 digits of my account number including debts owed. I feel like this violated my personal information.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist Bank Attn : Executive Response Unit / Consumer Advocacy RE : Demand for Documentation and Verification Account Ending : XXXX To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of any information provided by Truist Bank regarding the above-referenced account to XXXX XXXX XXXX XXXX XXXX ) and any other consumer reporting agency. XXXX XXXX XXXX has advised me that it does not possess the account-level documentation supporting your reporting and that such records remain solely within the possession and control of Truist Bank . Therefore, I am demanding production of the records relied upon to verify this account. Please provide : 1. Original account application. 2. Signature card and all account agreements. 3. Account opening records. 4. Complete account statements. 5. Copies of all deposited items, checks, drafts, and withdrawal records. 6. Internal investigation records. 7. Records supporting the account closure. 8. Evidence supporting any alleged misuse, loss, charge-off, or negative reporting. 9. Documentation provided to XXXX XXXX XXXX during the reinvestigation process. 10. The name and title of the individual who verified the information. If Truist can not produce competent documentary evidence establishing the accuracy and completeness of the reported information, then continued furnishing may constitute inaccurate reporting. I further request that Truist immediately conduct a reasonable investigation and cease reporting any information that can not be substantiated through original business records. If the information can not be fully documented and verified, I request immediate deletion of all related reporting provided to XXXX XXXX XXXX and any other consumer reporting agency. This letter shall serve as notice that I reserve all rights and remedies available under applicable federal and state consumer protection laws. Sincerely, XXXX 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 2026-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Rooms 2 Go credit card through Synchrony bank. My payments have always been paid on time or in advance. I was notified today that my XX/XX/XXXX payment was past due and a {$30.00} late payment fee was applied. I called them sure that it was a mistake. They acknowledged that my payment was received on XX/XX/XXXX but stated that since the statement for XXXX hadn't been generated yet, the payment " didn't count '' towards the XXXX payment. I asked to speak with a manager. The account manager I spoke with was " XXXX ''. She reiterated that the payment wouldn't be credited to the XXXX payment and she could not remove the late fee or apply the payment correctly. I informed her that I would file an immediate complaint with the CFPB because this is a fraudulent practice to receive the payment but still claim it didn't apply to the minimum and charge late fees. I am paying the account off in full and close the account. This is disgusting, fraudulent behavior.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bank Name : Citibank , N.A . Account Type : Business Checking Account Number : XXXX Company Name : XXXX XXXX XXXX Issue : Bank closed my account and has not returned my funds ( {$9300.00} ) Description : On or around XX/XX/year>, Citibank closed my CitiBusiness XXXX Checking account # XXXX without my consent. The final statement dated XX/XX/year> shows a " Closing Withdrawal '' of {$9300.00}, bringing the balance to {$0.00}. However, I have never received these funds no check was mailed to me, and no wire or ACH transfer was made to any of my other accounts. I have visited the local Citibank branch multiple times and called customer service repeatedly. Each time, I am told that the " back office '' has denied the return of my funds, but no one can explain why or provide any written documentation. This is my money. Citibank has no legal right to withhold it after closing my account. I am requesting the immediate return of {$9300.00} to me, either by cashier 's check mailed to my address on file or by wire transfer to an account of my choosing. I have attempted to resolve this directly with Citibank but have been unable to get any resolution. I am filing this complaint to request regulatory intervention. Thank 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 monetary relief
Consumer complaint received 2026-06-17 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. You have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. Let me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. No assumptions, no automated entries, no unverifiable dataonly proof. Any record lacking full legal validation must be removed without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
ECMC marked my loans with them defaulted in XX/XX/year>. They were not. They had been in repayment through a negotiated schedule with the bankruptcy trustee. The bankrupty was discharged in XXXX and ECMC never reached out to me. They put the loans in default. In addition, I had a pending ( since XX/XX/XXXX ) borrower defense application which shielded me from payments, collections and credit reporting until the case is complete. It is pending to this day. In addition, there was still a pause on student loan payments from the government from Covid. I am about to apply for loan rehabilitation or consolidation. I dont want this incorrect, negative credit entry on my credit 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 2026-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was pay off {$14000.00} And my balance is {$2700.00} left That principal {$17000.00} They send me a fee of {$8200.00} So when i call them My balance is wrong and they tell me You should be pay off total amount if {$17000.00} But you didnt pay So we are adding the fee but i said I believe this is no any interest change They say no not for 2year after Well i didnt know that They say your card is promotion card But i didnt open the card Bank and dental office have a some kind of deal So i didnt know all that Dental office lady didnt explain all that Only i know is this card is no interest until pay off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-17 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: NC

Complaint narrative:
I am filing this complaint against Truist Bank for failure to adequately respond to reported account fraud and for restricting access to my funds in potential violation of Regulation E ( 12 CFR Part 1005 ). Following unauthorized and fraudulent charges on my debit card, I contacted Truist in the third week of XXXX to report the fraud and secure a replacement card. Truist has repeatedly failed to deliver the replacement card, twice claiming it was sent. On subsequent follow-up calls, customer service representatives hung up on me, and a manager named XXXX refused to resolve the issue under the claim that she could not verify the account, despite me providing standard verification details. As of XXXX, I have been left without access to my liquid funds for nearly a month following a fraud incident. I demand that Truist immediately verify my identity through executive escalations, expedite a replacement debit card to my address overnight at no charge, and provide a full accounting of the fraud dispute status.

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the continued reporting of inaccurate and/or unverifiable information on my credit report following your recent reinvestigation. The results provided are not acceptable, as the disputed information remains unchanged and still appears to contain errors and inconsistencies. This raises serious concerns regarding compliance with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which requires a reasonable reinvestigation of disputed information. Simply marking items as verified without clear, documented proof does not meet this standard. I have attached my dispute letter and supporting documents for your full review. I am formally requesting a proper, thorough, and independent reinvestigation of the disputed items. Any information that can not be fully verified with accurate and competent documentation must be corrected or deleted 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 non-monetary relief
Consumer complaint received 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was on XXXX XXXX and it said check offers without effect to credit score. They did a hard pull without a application and it affected my score. I want the inquiry removed please. I asked the Company why they did a hard pull and she simply said Im sorry if you didn't understand. I can see if I liked the offers given and did a application but that did not happen.

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 2026-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Ability Recovery Services collection and credit reporting of an alleged debt. I first learned of this alleged debt only after it appeared on my credit report. I did not receive any written notice or other communication from Ability Recovery Service before the account was reported to the credit bureaus. After discovering the tradeline, I sent Ability Recovery Service a direct written dispute and validation request by certified mail on XX/XX/year>. Ability Recovery Service received that correspondence on XX/XX/year>, as shown by the signed return receipt. In that dispute, I challenged the validity of the alleged debt, the amount reported, Ability Recovery Services authority to collect and furnish information regarding the account, the completeness and accuracy of the tradeline being reported, and whether Ability Recovery Service complied with the required pre-reporting communication procedures before furnishing the account to the credit bureaus. As of today, Ability Recovery Service has not responded to me in writing. They also continue to report the account without indicating that the debt is disputed. I also previously disputed this tradeline with XXXX, and it was returned as verified as reported. I then requested additional information regarding the basis of that result, but I did not receive meaningful written details explaining the reinvestigation or the documentation relied upon. Meanwhile, Ability Recovery Service still has not responded directly to my written dispute, and the tradeline still does not reflect that it is disputed. I believe Ability Recovery Services conduct is improper because they received my direct written dispute and failed to provide a written response, yet continued furnishing the account without marking it as disputed. I also specifically disputed that I had received any written notice from them before they reported the account, and they have not substantiated that they complied with that requirement. This conduct has harmed me by leaving a disputed collection tradeline on my credit report without a meaningful response to my dispute and without proper dispute notation.

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