vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CO

Complaint narrative:
Opened checking account on XXXX with a welcome bonus offer as deposit XXXX dollar within 30 days of account open and finish 6 transactions. I completed the requirement on XXXX. But never received the bonus they promised. Call the customer service three times and went into branch. No solution told me just wait.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I received an email notification around XXXX XXXX stating that a new payee had been added to my Wells Fargo checking accounts. I did not add this payee and did not authorize any such change. Upon further review of my account activity, I identified a login on XX/XX/XXXX that I do not recognize and did not initiate. Shortly after the unauthorized access, funds were transferred from my account via wire to an account associated with XXXX XXXX XXXX. I did not authorize this transfer. I immediately contacted my bank to report the unauthorized login, payee addition, and wire transfer, and requested that the transaction be recalled and investigated as fraud. I also requested details regarding how the payee was added and how the transaction was initiated, including timestamps, method of access, and any available audit trail information such as IP address or device data. The bank informed me that a recall could not be initiated and provided a claim number with a XXXX-day response timeframe. However, they did not provide any explanation as to how the unauthorized access occurred or how the transaction was executed. I also attempted to contact XXXX XXXX XXXX regarding the unauthorized transfer but have not received a substantive response. I am seeking a full investigation into the unauthorized access to my account and the resulting fraudulent transaction, as well as recovery of the stolen 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 2026-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year> I was contacted by phone by a man claiming to be with XXXX wanting to verify a purchase that I did not make. Throughout the process I was convinced to withdraw funds ( XXXX XXXX ) from my bank and send those funds via gift cards and wire transactions fraudulently. My bank will not offer me fraud protection nor will they allow for a reduction in interest paid.

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 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX was sued for steering students like myself into forebearance and a lot of us were separated from the larger group and are not receiving the payment we should have for this settlement. I should have gotten this, XXXX had me in forebearance and deferrment from XXXX when they got sued! So I am told XXXX gave the info to Aidvantage who now is responsible for giving the correct group to receive checks to the third party sending out the settlement : XXXX, but no one is giving the students any way to change their address, verify they are eligible or anything. Just telling us theyre out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I lost my home in a fire over 70 days ago. Ive been camping on my property waiting for some of my insurance claim to come through so i can rent an apartment, basically improve my quality of life. Dealing with the XXXX insurance isn't fun but it must be endured. I received a check for about XXXX. I deposited it and was told that it would be placed on a hold. They gave me a deposit receipt showing that XXXX would be released today XX/XX/XXXX and the remainder will be released Friday XX/XX/XXXX. At no point have i received a text, email, app notification, letter or any other notice that the Tuesday XX/XX/XXXX deposit was discontinued. This has put me in a further financial bind, and i feel that the Tuesday deposit was rescinded because I had complained online about the poor customer service I received at Bank of America. This feels retaliatory.

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 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
Summary : I submitted a Notice of Error ( NOE ) regarding mortgage servicing issues. The servicer corrected the underlying issue but failed to comply with RESPA/Regulation X procedural requirements for responding to the NOE. Details : - On or about XX/XX/year>, I submitted a Notice of Error to AmeriHome Mortgage Company regarding servicing errors related to my mortgage loan. The NOE was delivered to the servicers designated address. - I did not receive an acknowledgment within 5 business days as required under 12 C.F.R. 1024.35. - Dated XX/XX/year> and received on XX/XX/year>, I received a letter from the servicer acknowledging receipt of my correspondence. This acknowledgment was untimely and did not constitute a substantive response to the NOE. The acknowledgment letter stated only that my correspondence had been received and that a response could take up to 30 business days. It did not identify the error ( s ), explain the cause, describe corrective actions, or provide required information regarding my rights. - Separately, the underlying servicing issue ( loan modification and partial claim documentation ) was eventually corrected. However, the servicer never provided a complete written response to the NOE as required under RESPA. Issue : A servicers obligations under 12 C.F.R. 1024.35 are not satisfied solely by correcting an error. The servicer must also provide a timely acknowledgment and a substantive written response addressing the borrowers NOE. My next step if they can't get their act together is to hire a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX. Also Involved : IC System , Inc., XXXX XXXX XXXX XXXX Product : Credit Reporting Issue : Incorrect information on credit report What Happened : I am filing this complaint regarding inaccurate and unverified credit reporting related to an alleged XXXX XXXX XXXX XXXX account being reported by IC System , Inc. This account first appeared on my credit report in XX/XX/XXXX. At that time, I contacted XXXX XXXX XXXX XXXX directly and spoke with a supervisor who confirmed that the issue was caused by a warehouse misfiling of equipment. I was explicitly told the account would be cleared and reported as resolved. Shortly thereafter, the collection was removed, and XXXX XXXX XXXX confirmed the account showed as paid/cleared. Despite this, the same account has been repeatedly reinserted into my credit report by different collection agencies, most recently IC System , Inc., with a reported balance of {$410.00}. I formally disputed this account with Experian on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation and verify the accuracy of the information. However : I have not received any documentation verifying the debt ; No billing records, account statements, or equipment records have been provided ; No evidence has been produced showing that I owe this balance ; No proper reinsertion notice has been provided as required under FCRA 1681i ( a ) ( 5 ) ( B ). Because the account has not been verified, Experian is unlawfully continuing to report inaccurate information on my credit file. Additionally, IC System , Inc. is furnishing information they can not substantiate, which may violate their obligations under FCRA 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ), including prohibitions against false or misleading representations.

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 2026-05-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I was charged {$380.00} by a company called XXXX XXXX on XX/XX/year> and I did not authorize this charge. USAA claims the charges are legitimate and will not provide a refund.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
A previous complaint was filed and it was closed, stating that the company would delete it in their response. I submitted their response to XXXX and when XXXX reached out to them even the my screen shot of their response. The company declined

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: AL

Complaint narrative:
I currently have an account with AXOS bank- Roth IRA- I started the process of trying to have the money transferred to XXXX over a year ago. I spent over 45 minutes on the phone every time I call. I have made over 10 calls in the last year. XXXX has made several attempts to assist me. The last attempt was emailed to Axos on XX/XX/year>. As of today XXXX we still have not rectangle I formation. I called Acos and they stated they do not have the information again. I attempted to set up a transfer via their app and was able to set up my outside account but it wont let me transfer it out either. This is the worst bank ever. You hold for so long and then get someone in the call and you cant even understand them bc of the noise behind them. They wont respond to messages sent via portal either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I am filing a complaint against Comenity Bank regarding inaccurate credit reporting and failure to properly service my account. On XX/XX/XXXX, I was approved in-store for an XXXX XXXX through Comenity Bank XXXX I never received the credit card, account number, or any billing statement. I made multiple attempts to contact Comenity Bank ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to obtain my account number so I could pay the balance of {$160.00}. Despite verifying my identity with my full Social Security number, date of birth, and phone number, I was repeatedly refused access to my account information and therefore could not make a payment. On multiple occasions, I was told a replacement card and statement would be sent. I never received them. On XX/XX/XXXX, at approximately XXXX XXXX, I spoke with a XXXX XXXX XXXX, who confirmed that Comenity Bank had my address incorrect in their system despite my prior attempts to correct it. He acknowledged this was the banks error, waived late fees, and stated he would notify the credit bureaus that I was not late due to their mistake. As of today ( XX/XX/XXXX ), I still have not received a card or statement, and Comenity has failed to correct the inaccurate reporting. My credit score has dropped XXXX points as a result. I am requesting : Immediate correction of all inaccurate credit reporting Removal of any late payment or derogatory marks Written confirmation of correction Confirmation that my account is in good standing This issue was caused entirely by Comenity Banks failure to provide account access and maintain accurate records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I sent a written email to Foursight Capital requesting all future communication be conducted in writing only, and that telephone contact cease immediately. At XXXX XXXX on XX/XX/year>, Foursight Customer Service ( XXXX ) confirmed in writing that they had updated their records and would cease telephone contact effective immediately. On XXXX XXXX XXXX XXXX XXXX XXXX, Foursight Capital sent me another contact email asking me to call them at ( XXXX ) XXXX. This is a violation of my cease communication request and the FDCPA, 15 U.S.C. 1692c. I have documentation of all correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
Without my knowledge, an account with Kraken was opened using my name, address and social security number. The data was stolen from me. The money used to open the account was stolen from my bank account but that money has been recovered. I recently received a XXXX from Kraken for the account indicating an account had been opened and that it is likely still open. I can not sign into the account to close it because I don't know what email address was used to open it. I contacted Kraken via the online support page on their website. They do not offer any telephone support. I received a response that stated they would not close the account without a court order or law enforcement documentation. I spoke with my local police and they didn't know how they could help. I just want to close the account. The account number is : XXXX. I don't know exactly when the account was opened but it would likely be XXXX. Since the account was opened with my name, address and SSN I consider myself the owner of the account and I would like it closed if it is still an open 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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Toyota Motor Credit previously responded to my CFPB complaint but failed to resolve the issue. Their response did not provide documentation proving that I opened, authorized, or am legally responsible for the account. Instead, Toyota Motor Credit gave a vague response and did not address the core issue : they continue furnishing this disputed account as accurate while failing to provide the requested supporting documentation. I have repeatedly requested identity verification records, application records, account records, and documentation supporting Toyota Motor Credits continued furnishing after identity theft notice. Toyota Motor Credit has not provided those records. Despite the prior CFPB complaint, my response to their explanation, and the documentation I submitted, Toyota Motor Credit continues reporting this account to the credit bureaus. This complaint is specifically about Toyota Motor Credit closing the prior complaint without resolving the disputed reporting and continuing to furnish the account as accurate without providing proof of authorization or responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Amount XXXX $ XX/XX/year> I tried to pay my credit card bill through ATM drive thru of Bank of America by cash and it took the money and gave two folded XXXX $ bills back, it never deposited it or nothing showed on the screen and it went back to the main page. I have made multiple claims and only got one response which is not correct and tried to reach people at the Bank of America multiple times.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint against : Citibank N.A. Date : XX/XX/year> Complainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Account : XXXX XXXX XXXX by XXXX ending XXXX ( old )/ XXXX ( new ). I am filing this complaint against Citibank for wrongfully closing a fraud dispute and ruling it " Customer Responsible '' despite documented evidence proving physical impossibility. The disputed charge : {$1700.00} at XXXX XXXX XXXX NY, XX/XX/year> at XXXX XXXX ET an in-store, card-present transaction. Why the finding is impossible : My physical card was in XXXX, XXXX on XX/XX/year>. I had used it in person at XXXX XXXX, XXXX XXXX on XX/XX/year> to pick up a rental vehicle a transaction requiring physical card presence, confirmed on my statement as " XXXX XXXX XXXX XXXX {$670.00}. '' On XX/XX/year>, I returned the rental car at XXXX XXXX at XXXX XXXX local time and boarded XXXX flight XXXX, departing XXXX XXXX at XXXX XXXX local time ( XXXX XXXX XXXX ), arriving XXXX XXXX at XXXX XXXX ET. At XXXX XXXX ET the exact time of the XXXX XXXX charge I was physically mid-flight over the XXXX XXXX. The card was on the plane with me. It was not in XXXX. It could not have been in XXXX. How the fraud was discovered : On XX/XX/year>, while mid-flight from XXXX to New York, I received a fraud notification on my card. Immediately upon landing at XXXX, I called Citibank and confirmed that I had not made the {$1700.00} purchase at XXXX XXXX in XXXX as I had been in the air over the XXXX at the time of the charge. The Citi representative assured me the matter would be taken care of. Citi 's investigative failures : All evidence above was communicated to Citi representatives on multiple occasions. Not a single representative asked for additional documentation throughout the investigation. Only on the final call on XX/XX/year> after the investigation was effectively concluded did a representative ask whether I had filed a police report for a stolen card. The card was never stolen or lost. It was physically in my possession throughout. A Citi representative had canceled the card during the phone call. No representative ever suggested filing a police report until the investigation was already over. Despite all of this, Citi closed the dispute as " XXXX XXXX. '' Prior actions taken : Fraud reported to Citi : XX/XX/year> Dispute filed : XX/XX/year> Formal appeal submitted to XXXX : XX/XX/year> XXXX XXXX notified of potential card compromise : Case # XXXX XXXX complaint against XXXX : Complaint # XXXX Desired resolution : Immediate reversal of the " Customer Responsible '' finding and full credit of {$1700.00} to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
There was a payment made to XXXX XXXX to pay the vehicle in full in order for me to recived my car back. I do not remember the dates of when the car was paid in full but there should be no negative amount reflecting on my credit report

Company response to consumer: Closed with non-monetary relief