vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America placed my account under review on XX/XX/year>. I was advised the review would take XXXX business days. After the deadline passed, I was informed the review period had been extended to XXXX business days. The bank is holding all of my funds and has not provided a specific explanation or release date. I am requesting immediate review and release of my funds or a written explanation of the legal basis for continuing to restrict 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 2026-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint against Bank of America regarding their mishandling of fraudulent charges on my business credit card. Between XX/XX/XXXX and XX/XX/XXXX, a total of XXXX unauthorized charges totaling {$14000.00} were made to my Bank of America XXXX credit card by a company called XXXX. I did not authorize any of these charges, nor did any person I authorized make them. I have never established an account with XXXX or authorized any transactions with this merchant. The volume and pattern of these charges XXXX transactions over just XXXX days is itself strong evidence of fraudulent activity, not legitimate card use. I reported the fraud to Bank of America in XX/XX/XXXX and was initially issued a provisional credit for the full amount. However, Bank of America has since reversed that credit, claiming that I or someone I authorized made the charges. They have provided no adequate documentation or evidence to support this conclusion. I formally requested the evidence Bank of America relied upon in reaching this decision, including transaction records, signed authorizations, and the specific basis for their determination. I have not received satisfactory documentation. Bank of America 's handling of this dispute is particularly concerning given my XXXX relationship with this institution, during which I have never had a prior fraud dispute of this nature. Despite this long-standing history, they have made no meaningful effort to conduct a thorough investigation before reversing the credit and holding me responsible for {$14000.00} in charges I did not make.

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 2026-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This account was out in my credit report. I returned equipment they were charging me for and asked for an updated payoff but never received it but the balance remains the same even after they received their equipment back.

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 — 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: NC

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: 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: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America placed my account under review on XX/XX/year>. I was advised the review would take XXXX business days. After the deadline passed, I was informed the review period had been extended to XXXX business days. The bank is holding all of my funds and has not provided a specific explanation or release date. I am requesting immediate review and release of my funds or a written explanation of the legal basis for continuing to restrict 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 2026-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased items on XX/XX/XXXX and they did not provide a statement XXXX days prior to my due date, which is the XXXX and so they charged me a late fee for not paying by the XXXX of XXXX, XXXX days after my purchase. XXXX states they must provide a statement XXXX days prior so a consumer is not surprised. They would not refund the late fee stating my billing cycle is on the XXXX and that it did not matter when I purchased the items. Even if it falls less than the XXXX day required statement. A late fee was charged and I was told it would not be refunded.

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 2026-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
I applied for a loan on XX/XX/XXXX. I received a phone call on XX/XX/XXXX stating I had been approved. When I questioned the representative as to documentation and my signatures. She stated rudely, the money will be in your bank on XXXX XX/XX/XXXX, I then asked again and she said I should receive an email with all the information. This what I received : From : My Quick Wallet Customer Service XXXX Date : Wed, XX/XX/XXXX, XXXX Subject : My Quick Wallet - Upcoming Payment Reminder To : XXXX XXXX XXXX Courtesy Reminder - You have an upcoming payment. Payment Type ACH Will Appear On Statement As MY QUICK WALLET Payment Amount XXXX Payment Date XXXX Account Type Checking Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX Thank you for using the services of My Quick Wallet. This courtesy email is to remind you that you have an upcoming payment due on this loan. Information regarding your balance and payment schedule are below. You can also view or request changes to your payment options online using our members area. Please call us at XXXX if you have any questions. Pre-Authorized Payments Next payment is XXXX Payment amount is XXXX Frequency of payments Bi-Weekly Payment chosen is Pay Fees + Fixed Amount Fees paid XXXX Loan paydown per payday is XXXX Pre-authorized payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRINCIPAL balance after payment XXXX Available funds after payment XXXX PLEASE MAKE SURE THE MONEY IS AVAILABLE IN THE ACCOUNT LISTED ABOVE ON THE DUE DATE OR YOU WILL INCUR ADDITIONAL FEES. Please contact us at any time by sending us an e-mail at XXXX or calling us at XXXX. Sincerely, My Quick Wallet Customer Service

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Subject : Second Follow-Up and Formal Notice of Regulation E Violations Re : Claim # XXXX | Account ending XXXX Second formal follow-up and a notice of regulatory violations concerning Wells Fargos denial of my claim involving unauthorized electronic fund transfers totaling {$4500.00}. The transactions occurred on XX/XX/XXXX and XX/XX/year>, and were reported on XX/XX/year>. Wells Fargo denied my claim, stating that : My card was in my possession No device linked to a digital wallet was lost The transactions were conducted using a device associated with my account However, Wells Fargo has not provided any evidence demonstrating that I authorized these transactions. Your determination appears to violate multiple provisions of Regulation E ( 12 C.F.R. Part 1005 ), including but not limited to : Under 12 C.F.R. 1005.6, a consumer is not liable for unauthorized electronic fund transfers beyond the limits defined therein, unless the institution can demonstrate that the transfers were authorized. You have not met your burden of proof. The mere assertion that a transaction was conducted using a device associated with my account does not establish authorization, intent, or consumer participation. Under 12 C.F.R. 1005.11, you are required to : Conduct a reasonable investigation Review all relevant information Provide the results of your investigation Supply documentation upon request To date, you have failed to provide : Transaction-level authentication data Device or IP logs Evidence demonstrating authorization A substantiated explanation of your findings This failure constitutes noncompliance with federal error resolution requirements. Your denial relies on conclusions that are factually unsupported and internally inconsistent : You acknowledge the activity is consistent with a known fraud scheme You initiated a lost/stolen account safeguard Yet you concluded there were no indicators of fraud These positions can not be reconciled and suggest an unreasonable or incomplete 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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
-U.S. Bank ( XXXX. XXXX XXXX, XXXX XXXX, MO XXXX ) charged me a {$30.00} XXXXreturn payment fee ' on XX/XX/year>. - A U.S. Bank representative stated that U.S Bank had to submit a credit card payment twice to my bank XXXX XXXX XXXX XXXX ) for payment -- which generated the {$30.00} fee. There is absolutely no record of the payment being submitted twice-to my bank. XXXX XXXX XXXX has no record of the payment being submitted twice. My extensive online search did not show that the payment was submitted twice. Further : 1 ) I had sufficient funds available to cover the payment ( between XXXX XXXX ) at no point did my available balance fall below the credit card payment amount. 2 ) My online bank search did not show that the U.S. Bank submitted the payment twice. 3 ) After an extensive search, XXXX XXXX XXXX does not show that the payment was submitted twice. 4 ) U.S. Bank will not disclose transaction numbers- showing that the payment was submitted twice. Evidence indicates that U.S. Bank generated an bogus 'return payment fee ' and fabricated a false narrative that they had to submit a credit card payment twice -- triggering a return payment fee. Multiply this fee times the thousands of clients

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am disputing the past due status and recent late fees on my Wells Fargo Auto Loan account ending in XXXX. I was explicitly told by Wells Fargo representatives on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) that I had a {$400.00} credit available on my account that I could apply toward my regular payments. Relying on this explicit instruction from the bank, I adjusted my payment amounts in good faith. Wells Fargo is now stating their representatives misinformed me.They are refusing to correct the resulting past-due status or waive the fees. Because I acted entirely on the repeated, explicit directions of the bank 's own staff, I am requesting that Wells Fargo pull the recorded phone calls from those dates, honor the misinformation provided by their agents, and issue a one-time courtesy credit to correct my account 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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Consumer Financial Protection Bureau Complaint Response to Citibank , N.A . Re : CFPB Complaint Cases # XXXX, # XXXX, # XXXX, and # XXXX To Whom It May Concern : I respectfully dispute Citibank 's XX/XX/year> response and XXXX that this matter remain open for further investigation. Citibank continues to rely upon generalized assertions while failing to provide documentary evidence supporting several material representations. Specifically, I request that Citibank provide : Complete recordings and transcripts of all telephone calls occurring on or about XX/XX/year>, XX/XX/year>, XX/XX/year>, and all subsequent calls relating to the disputed {$500.00} payment. Copies of all internal account notes, payment authorizations, payment scheduling records, and electronic audit logs reflecting the creation, modification, cancellation, resubmission, or refund review of the disputed {$500.00} payment. Documentation identifying the employee or department that initially informed me that the payment would be refunded and documentation reflecting why that representation was later reversed. A complete account history showing : The credit limit assigned to the account each month. Any temporary or permanent credit limit adjustments. The account balance at the time refund requests were submitted. The specific policy relied upon to deny the refund request. Documentation supporting Citibank 's statement that the payment could not be refunded because the account exceeded its revolving credit limit. Documentation showing when the account was first placed into a restricted status, closed status, or any other adverse status. Citibank 's response does not address the substantial hardship caused by retaining the disputed funds for an extended period of time. During this period I repeatedly advised Citibank that the withheld funds affected my ability to pay for housing, transportation, insurance, utilities, food, and other necessary living expenses. In addition, Citibank has not addressed the numerous contradictory explanations that were provided by various representatives regarding the status of the refund request, the expected processing time, and the reasons for denial. I further request that Citibank identify each employee, supervisor, XXXX, or XXXX representative who handled my refund requests, including but not limited to the individuals previously identified in my complaints. I respectfully maintain my dispute regarding the handling of the {$500.00} payment and request that the CFPB require Citibank to produce the underlying records supporting its conclusions. Thank you for your consideration. Respectfully submitted, XXXX XXXX XXXX XXXX Michigan XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Trans Union on XXXX XXXX for them to send me documentation and have a validate my account. I sent a certified letter 60 days ago and no one has responded when I talked to XXXX. Confirmation number XXXX. He said he could not help me. He didn't have the answers. He said he had to escalate the call, but he couldn't do it because we were doing it in the trans Union Chat which I have the text messages back-and-forth with XXXX. He told me I needed to call back. I called back and spoke to XXXX XXXX did not have answer as well. I explained to him that I sent a validation letter and I needed for them to respond with documentations on how they validate the account and no one can tell me anything, so he transferred me to the supervisor or XXXX and that was lost case She sounded like a robot and she kept on sending me to call the collection agencies. I told her I'm calling them because there were the ones that I sent the letter to for the invitation letter on how to they validate accounts, and she didn't have the answer. Either gave me her confirmation number XXXX and hung up the phone.

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 — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have had a credit card with Citi bank since XXXX. I have no late payments on this card at all and I have been making the minimum payment they requested in XXXX. My credit limit was {$2500.00}. Then after I made two {$500.00} payments on XX/XX/XXXX and XX/XX/XXXX bringing my balance down drastically without warning this month XX/XX/XXXX they lower my limit to {$1300.00}. I did not receive any notice prior to them making this change at all and when I call in to discuss what happened they told me I had to wait for a letter of explanation before they could discuss anything with me. They refused to change my limit back to the {$2500.00} even after I spoke to a manager. I found out the limit was changed on XX/XX/XXXX after checking my available credit on-line after the payment was posted to my account. This decision reduced my available credit and will have a drastic effect on my personal credit. I am helping a friend move from out of state and needed to have a credit card available to assist them and now I am unable to help at all because Citbank made changes to my account without warning, permission, or explanation. I still don't have the letter they are expecting me to get and it's not listed as a document they sent on-line either. This is very unprofessional, and discriminatory.

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 was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: VA

Complaint narrative:
Subject : Formal Dispute and Demand for Validation and Deletion To Whom It May Concern, I am writing to dispute the collection account reported on my credit file formally. I do not recognize this account as valid, and it appears to be inaccurate and unverified. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, you are required to provide proper validation of this debt, including the original signed agreement, a complete account history, and proof of your legal authority to collect and report this account. To date, no such documentation has been provided. If you are unable to provide full validation, you must immediately delete this account from my credit report as required by the Fair Credit Reporting Act. Continued reporting of unverified or inaccurate information constitutes a violation of federal law. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and other regulatory agencies, as well as the pursuit of legal remedies. Please confirm deletion of this account in writing. 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