vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 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: CA

Complaint narrative:
* * Re : Demand for Reinvestigation and Description of Procedure Used * * To Whom It May Concern : I received your response to my CFPB complaint stating that you " contacted the data furnisher ( s ) '' and that the disputed information was " verified as accurate. '' A statement that the furnisher verified the account is not sufficient to satisfy your obligations under the Fair Credit Reporting Act. Pursuant to * * 15 U.S.C. 1681i ( a ) ( 7 ) * * and * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, I request a complete description of the procedure used during your reinvestigation, including : 1. The name, address, and telephone number of every person or entity contacted. 2. The method of communication used ( e.g., e-Oscar, telephone, mail, electronic transmission, or other ). 3. The specific documents, records, or evidence reviewed by Experian. 4. The date each communication occurred. 5. An explanation of how Experian independently determined the accuracy and completeness of the disputed information rather than merely accepting the furnisher 's response. If your reinvestigation consisted solely of forwarding my dispute to the furnisher and relying on its verification, please identify the statutory authority permitting such action as a reasonable reinvestigation under the FCRA. If you can not produce documentation demonstrating that the disputed information was independently verified as accurate and complete, I demand that the disputed information be deleted pursuant to * * 15 U.S.C. 1681i ( a ) ( 5 ) * *. Please provide your written response within the time permitted by the Fair Credit Reporting Act.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
* On XX/XX/year>, I contacted U.S. Bank customer service to report what I believed were duplicate transactions on my account. The representative reviewed the transactions with me, confirmed they appeared to be duplicates, and recommended I report them, which I did. During this approximately one-hour call, I explicitly asked the representative multiple times whether reporting these transactions could result in my account or debit card being closed. He assured me, more than once, that it would not. * * On XX/XX/year>, the day after this call, I attempted to use my debit card and found it declined. When I called to find out why, I was informed that my account was being closed as a direct result of the duplicate transaction report I had made the previous day directly contradicting the assurances I had received. * * I currently have approximately {$4000.00} in this account that I am unable to access due to the closure. I am requesting that U.S. Bank release these funds to me promptly and explain why I was given false assurances about the consequences of reporting the duplicate transactions. U.S. Bank should have a recording of the XX/XX/XXXX call that will confirm these assurances were made. *

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 2026-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: ID

Complaint narrative:
Background & Timeline : I am disputing a debt collection attempt by Harris & Harris for alleged XXXX XXXX charges totaling XXXX $ for the billing period XX/XX/XXXX through XX/XX/XXXX. Harris & Harris has reported this alleged debt to my credit file, damaging my credit score. Validity of Debt - Pre-Arranged Service Disconnection : In XX/XX/XXXX, I contacted XXXX XXXX directly and arranged for the disconnection of my internet service effective XX/XX/XXXX. This disconnection was a planned action due to my military XXXX ( XXXX XXXX XXXX XXXX ) order to XXXX. I did not abandon the account ; I proactively coordinated the service termination with XXXX. The Problem : Despite my pre-arranged XX/XX/XXXX disconnection, XXXX has billed me for service during XXXX through XXXX XXXXmonths when I had no service because I was stationed in XXXX and had relocated my residence. These charges should not exist, as the service was terminated as arranged. Harris & Harris is now attempting to collect these invalid charges and has reported them to my credit file without proper verification of the debts validity. Violation of FDCPA/CFPA : XXXX. Harris & Harris is collecting on a debt that does not appear to be valid, as it includes charges for services I did not receive after a pre-arranged disconnection XXXX. They have reported inaccurate information to credit reporting agencies without proper verification XXXX. They have not investigated the underlying circumstances before attempting collection and credit reporting Documentation : I am attaching my military XXXX XXXX dated XX/XX/XXXX, which confirms my relocation in XX/XX/XXXX, supporting my claim that I was not using XXXX services during the disputed billing period

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I am trying to return my leased Kia XXXX at lease maturity. I brought the vehicle to my local Kia dealer to turn it in and had arranged a ride home. The dealer refused to accept/process the lease return and told me I had to complete a lease-end inspection first. I then followed Kia Finances instructions and called the inspection vendor, XXXX. I was transferred to dispatch and waited on hold for over 30 minutes with no answer. I then used XXXX online scheduler and booked an inspection appointment. The website said I would receive email confirmation, but I never received one, and no inspector showed up at the scheduled time. I called dispatch again directly and waited nearly an hour with no answer. I then scheduled a second appointment online for later that week. Again, I received no confirmation email and no inspector showed up. I called Kia Lease-End Advisors again and was told to schedule with dispatch, where I again waited about 30 minutes without anyone answering. I have spent several hours trying to follow Kias lease-maturity return process, but Kia Finance , its inspection vendor, and the Kia dealer have made it impossible to complete the return.

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 2026-06-30 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: VA

Complaint narrative:
XX/XX/XXXX - I received a letter from Citi telling me my AA Advantage account would be transferred from XXXX XXXX to Citi and XX/XX/2026 and that my new card would be sent within 6-8 weeks beginning XX/XX/2026. To avoid crossing of charge, I stopped using the card and waited for my new card to arrive. XXXX - XXXX didn't send the new card, but did send a statement charging {$99.00} for the new card. XXXX XXXX- I called and spoke with agents XXXX and supervisor XXXX to infor them that I'd been billed for a card I didn't have. They told me it was coming. XX/XX/XXXX- I called Citi again, spoke with agents XXXX ad XXXX to ask where my card was and to complain about the fee for a card I hadn't received. The assured me that the new card would arrive in 4-7 days and told me not to pay the fee now, assuring that any late and interest charges would be waived. XX/XX/XXXX - My XXXX statement arrived and I still didn't have a card. I called again, spoke with XXXX who again promised to send the card and suggested I write to Citi. XX/XX/XXXX - My card finally arrived, while I was out of town. XX/XX/XXXX- When I returned I wrote Citi explaining what had occurred asking that the late charge and interest charges be waived plus that the card fee charge date be adjusted to XXXX - when I received the card. I explained that this was fair because I had no access to the card until XX/XX/XXXX. XX/XX/XXXX- I received a letter dated XX/XX/XXXX from Citi informing me that they would NOT waive the interest charges, would waive one {$29.00} Late Fee, and would NOT adjust the fee date.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint Narrative : I am submitting this complaint because Wells Fargo Bank , N.A . debited {$2600.00} from my account on or about XX/XX/year>, based on what Wells Fargo described as unauthorized activity being reported and/or a disputed XXXX transaction that had been credited to my account. I received letters from Wells Fargo dated XX/XX/year>, regarding Claim / Case Number XXXX. One letter states that due to unauthorized activity being reported, {$2600.00} was debited from my account on XX/XX/year>. Another letter states that Wells Fargo received a claim regarding disputed XXXX transactions that were credited to my account, but that Wells Fargo resolved that claim and at that time did not intend to make an adjustment to my account. These letters are confusing, incomplete, and inconsistent. Wells Fargo has not provided me with a clear transaction-by-transaction explanation showing the original XXXX transaction date, the name of the person who allegedly disputed the transaction, the exact claim or complaint that caused Wells Fargo to debit my account, the legal or contractual basis for removing {$2600.00} from my account, or the evidence Wells Fargo relied on . This is especially concerning because on XX/XX/year>, my husband, XXXX XXXX XXXX, called Wells Fargo and clearly informed the bank that he never reported any XXXX transfers to me, XXXX XXXX XXXX, as unauthorized. He specifically told Wells Fargo that any XXXX transfers sent to me were fully authorized and were never disputed by him. He also clarified that he did not dispute all XXXX transactions from his account, only specific transactions identified in his CFPB complaints and related communications. If Wells Fargo debited my account because it incorrectly included legitimate XXXX transfers to me in another persons fraud claim, then Wells Fargo acted on inaccurate information and caused me direct financial harm. I should not be penalized or have funds removed from my account based on a claim I did not make, did not control, and that appears to have been misidentified or improperly processed by Wells Fargo. Wells Fargos handling of this matter has caused financial harm, confusion, and concern regarding the accuracy of its fraud-claim process. The bank has not shown that the XXXX transfer credited to my account was actually disputed by the sender, and the sender has expressly denied disputing any XXXX transfer to me. I respectfully request that Wells Fargo provide a complete written explanation and immediately correct any improper debit from 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 explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXompany charged withdraw limit of {$10.00} and {$5.00} then added a {$36.00} predatory overdraft fee on top for insufficient funds. These accounts are left at a low balance and are strictly used for debt obligation payments. Multiple issues with overdraft fees with them seems like they may be trying to recover returned overdraft fees when I complained and explained a previous error on there part caused this.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
There was a Wells Fargo ( WFBNA Card ) Charge Card ( Account # XXXX ) opened in my name, using my information, on XX/XX/year>, that was done by someone other than me by fraud. I was alerted by XXXX of the new credit card on my credit report. I then called experian and had them block my credit and disputed the card. Then I put a freeze on my credit with XXXX XXXX, and XXXX. I then called Wells Fargo and described my problem. They took my information and informed me that the card is blocked immediately and they will be submitting a fraud report ( Reference # 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Summary : Citibank improperly and deceptively performed unauthorized hard credit inquiries on my personal credit reports despite my express verbal instructions withholding consent. On XX/XX/year>, a member of Citis Executive Escalation team reached out regarding a declined credit card app and let me know they could submit a re-evaluation as I had seeking. I explicitly informed the representative that I was not interested in a new application or re-evaluation if it would result in another hard credit inquiry, as my initial report was pulled only 14 days prior and nothing had changed. The representative categorically misled me by stating multiple times that a resubmission would result in a soft inquiry only, and stated my credit bureaus still needed to be unfrozen to allow the soft pull. Relying entirely on this material misrepresentation, I lifted my security freezes. Citibank subsequently ran unauthorized hard inquiries across my bureaus. I sent a formal dispute to Citibank 's Executive Escalation team on XX/XX/year> ( pls see below email to them ) but despite three subsequent follow-ups, the bank has failed to respond or resolve the issue. Hi Citi, I am writing to formally lodge a dispute regarding an unauthorized second hard credit inquiry performed on my personal credit today, which was executed in direct contravention of an explicit verbal agreement. On Friday, XX/XX/XXXX, I spoke directly with a member of your Executive Escalation team regarding the re-evaluation of my recent application ( app # XXXX ). I was hesitant to resubmit as my credit report had not changed from my original application 2 weeks ago and I was not open to another hard inquiry on a resubmission - thus, I requested that my already declined app be reconsidered based on the original credit report that was pulled. However, your representative categorically assured me multiple times that a resubmission would result in a soft inquiry only, and that credit would not be re-pulled within 30 days of the original app ( which was also for the exact same card and had the same app # ). Relying entirely on that material misrepresentation, I was induced to lift the security freezes across my credit bureaus. Despite these explicit instructions and your team 's verbal assurances, I discovered today that Citi initiated another round of hard inquiries across my bureaus. I request your team immediately review the audio call transcript from XX/XX/XXXX to verify these facts and formally rescind/delete the second hard inquiry with XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XXXX XX/XX/year>, I tried using my USAA debit card and it was continuously declined. After looking into it, there was a fraud notice placed on my online account. I called and spoke to 2 different people and neither of them could tell me what the fraud was or why my accounts were frozen. They also told me that someone from USAA supposedly reached out to me the day before to let me know what was going on, and I told them I received no phone calls, emails or texts about it. I was also told that it was due to USAA policies and there is nothing that can be done to undo it. I was told that my all my accounts ( checking, savings, credit cards ) will be closed and I should be receiving a check for the balances in my accounts within 60 days. Currently, almost two weeks later, I still have heard nothing from USAA and they are still holding my money and I dont have access to it. All my bills are being returned because they arent processing debits from my accounts and I have no other means to pay them. This is how Im being treated as someone with a 17+ year banking and business relationship with USAA as well as being a XXXX Veteran with them.

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 2026-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Fraud Home Depot XX/XX/year> Credit Card I did not apply 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I paid off this loan and despite over a dozen calls to BMO and several visits to the local branch, no confirmation has been given-still showing as open.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Someone opened a fraudulent Citi card account under my ssn. It is showing up on my credit card with a balance that I never approved. I tried calling Citibank XXXX times and was stuck in their automated system for over XXXXXX/XX/XXXX Citi fraud department will not connect me to an agent without giving them my credit card info, but since I never opened the card, I do not have the card, and I have no way to know what the card number is. It's a fraudulent activity that I can not rectify without your 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 non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
The amount on the statement is incorrect. This account has been sold to 2 different companies with the incorrect amount. It has been placed on my credit report with the wrong amount and I have been fixing dealing with this issue of the amount is incorrect. I have disputed the amount with credit bureaus and to no have not been successful. I have the statement that shows the correct amount but the collection agencies are being very unprofessional and not willing to correct the 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 2026-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Backstory : We were due to close on XX/XX/XXXX using M & T Bank as our lender. The week of closing our loan officer went XXXX, no returned calls or emails. We confirmed with a manager XXXX XXXX that our officer was no longer with the company, and no other loan officer was working on our loan. Our closing date was pushed back to XX/XX/XXXX, forcing us to use more PTO with work and changing moving companies. On XX/XX/XXXX, we received a delinquent tax bill from XXXX XXXX town that quarter XXXX taxes were missed that were due XX/XX/XXXX. I contacted M & T Bank and they confirmed they missed paying quarter XXXX taxes in XXXX. I had to escalate this and make multiple calls to get them to send a payment immediately for the tax demand received. Please note : our annual tax amount is {$7200.00}. How can we even feel confident M & T Bank will make our quarterly tax payments going forward? On XX/XX/XXXX, we received a letter from M & T Bank saying our escrow account is {$3000.00} short, and our monthly mortgage payment will increase from {$1900.00} to {$2300.00} effective XX/XX/XXXX. That is a {$350.00} increase in our monthly payment only XX/XX/XXXX months after closing. I contacted both our attorney and M & T Bank this morning and spoke with a woman named XXXX there for XXXXXX/XX/XXXX - she confirmed on a recorded line that our loan officer XXXX had incorrectly put to collect only {$500.00} per month for taxes, which totals {$6000.00} - a completely incorrect amount for our taxes. This should not be our fault, and the escrow mistake should not be at our expense. The bank should take accountability for their mistakes in XX/XX/XXXX, XX/XX/XXXX, and currently.

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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM 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