vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year> I deposited a check into an existing account that I had open at Wells Fargo. The banker recommended that I close all other accounts that were similar and transfer funds into XXXX single account. After doing so I was instructed to then deposit my physical check with the tellers into the single savings account. The teller miss handled the deposit and deposited it into XXXX of the closed accounts. Even though the proper bank account number was written below, my signed endorsement. Therefore, the funds never cleared and Wells Fargo issued a XXXX check to be XXXX to me in XXXX to XXXX days however after filing a complaint and visiting the branch today, XX/XX/XXXX, nobody could provide me with the tracking of the check that was being sent on XXXX nor refused to expedite it. Therefore, my funds are not deposited in any XXXX financial institution, not gaining interest and more importantly I do not have access to XXXX figure dollar amount for up to XXXX weeks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
My XXXX auto insurance policy expired on XX/XX/year>. Before the policy expired, I called XXXX and informed them that I would not be renewing my policy. I specifically told them that I did not want continuous coverage and that my policy should end on XX/XX/year>. My premium had already been paid in full for the policy period. After my policy ended, I was surprised to receive a collection notice from Credit Collection Services ( CCS ) for {$45.00}. I was never provided with an explanation or an itemized statement showing why I owed this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: MS

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 2026-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FLAGSHIP FINANCIAL GROUP LLC
State: OH

Complaint narrative:
I am unable to reach the lien holder they only have an automated system setup for payments no option to speak with any one. my car has been paid off for several years now and they still have a lien on the title. I need that cleared so i can trade my car in. the lien holder is car finance capital credit which became flagship credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX sent a credit card. I cut it up and threw it away. Now they are trying to charge me. Do something!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Subject : Request to Reopen Investigation Based on New Evidence Dear XXXX, I am writing to request that Barclays reopen its investigation regarding the {$14000.00} transaction charged to my XXXX XXXX XXXX XXXX XXXX account. On XX/XX/year>, I received your response to my CFPB complaint stating that Barclays could not reverse the transaction because I had not provided documentation showing cancellation of the membership or evidence that the merchant failed to perform under the agreement. I am now submitting new evidence that was not available during Barclays original investigation. Attached is a signed Cancellation Agreement dated XX/XX/year>, executed by XXXX XXXX XXXX ( XXXX ) and myself. This agreement confirms that : XXXX has terminated my membership in its entirety. All membership rights and benefits have been cancelled. XXXX acknowledges my request for cancellation. XXXX has waived any future right to collect membership fees. This directly addresses XXXX of the primary reasons Barclays cited for denying my previous disputenamely, the absence of proof that the membership had been cancelled. I have never used any of the membership benefits, accommodations, reservations, exchange programs, reward credits, travel services, or any other benefits associated with this purchase. I received no value from the transaction. I continue to maintain that I did not knowingly understand that I was opening a Barclays credit card account to finance approximately {$14000.00}. Had the financing arrangement, interest charges, and repayment obligations been clearly explained, I would not have entered into the transaction. Because the underlying membership has now been cancelled and no services were used, I respectfully request that Barclays reopen its investigation and reconsider my dispute in light of this new evidence. Specifically, I request that Barclays : XXXX. Reopen dispute case XXXX. XXXX Review the attached cancellation agreement as new evidence. XXXX. Reconsider the {$14000.00} transaction based on the cancellation of the underlying membership. XXXX. Suspend additional interest and fees while this review is pending. XXXX. Provide a written explanation if Barclays determines that the cancellation of the underlying agreement does not affect the financed transaction. I appreciate your time and ask that this matter receive a fresh review based on the newly available documentation that was unavailable during the previous investigation. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is a supplemental complaint referencing my prior CFPB complaint filed XX/XX/XXXX, regarding loan # XXXX, property at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, serviced by Shellpoint Mortgage Servicing / Newrez LLC. In their response to my original complaint, Shellpoint alleged the XXXX XXXX policy was " canceled at your request effective XX/XX/XXXX. '' This allegation was the sole foundation of their defense against the {$6700.00} lender-placed insurance ( LPI ) charge imposed on my escrow account. I submitted a formal RESPA Request for Information on XX/XX/XXXX, demanding documentary evidence of this alleged cancellation request any written authorization, signed form, or recorded call. In their XX/XX/XXXX response, Shellpoint produced zero evidence and silently dropped the allegation without retracting it or correcting the record with the CFPB. This constitutes a material misrepresentation made to a federal regulator. Shellpoint 's own letters confirm they received the cancellation notice in XX/XX/XXXX but took no action for 9 months, only discovering the lapse in XX/XX/XXXX when calling about the next renewal term. Their XX/XX/XXXX response explicitly states they " have been unable to determine whether any error has occurred '' yet they continue to maintain the {$6700.00} charge, causing an escrow deficit of - {$5100.00}. The LPI policy ( Master Policy XXXX, placed through XXXX XXXX ) was bound on XX/XX/XXXX for a period already fully elapsed XX/XX/XXXX through XX/XX/XXXX with no losses and zero insurable risk, violating 12 CFR 1024.37 ( d ) ( 1 ). Shellpoint previously settled a federal class action ( Chong v. Shellpoint, Case No. 9:18-cv-80948-RLR, S.D. Fla. ) over alleged kickbacks from XXXX XXXX XXXX XXXX XXXX The CFPB should investigate whether the same conduct is occurring here. Upon receiving Shellpoint 's first notice on XX/XX/XXXX, I immediately obtained replacement coverage proving I would have done so in XX/XX/XXXX had I been notified promptly as required by 12 CFR 1024.37 ( c ) ( 1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: PA

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 2026-07-03 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: MI

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 2026-07-03 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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was called XXXX times for a debt collection within a XXXX minute time span.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-07-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: KS

Complaint narrative:
I have {$1500.00} left in the account but keeps getting more money added to it I have called multiple times I have verified my identity multiple times they refuse to unlock the card and release my funds and send me a new card I have even had the government agency that it goes through send my stuff and try to get it released the fact that it's still locked when I have done everything they've asked me to and then they keep telling me to call back in XXXX days is really frustrating that is money I need for my children

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAD A WELLS FARGO CREDIT CARD AND THEY REQUESTED FROM ME XXXX TAX FORM WHICH I SENT IT TO THEM BUT THEY CLOSED MY ACCOUNT I HAVE VERY HIGH INCOME WHICH THEY CAN VERIFY IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: SC

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am disputing a collection account being reported by Credit Collection Services ( CCS ) on behalf of XXXX XXXX in the amount of {$750.00}. I submitted written disputes and requests for validation on XX/XX/year>, and again on XX/XX/year>. In those letters, I requested documentation establishing the identity of the original creditor, an itemized accounting of the amount claimed, documentation showing I am legally responsible for the debt, and proof that CCS has authority to collect and report the account. Despite my repeated written disputes, CCS has continued furnishing this account to consumer reporting agencies. The account remains on my credit reports and continues to damage my credit profile. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be accurate and complete. Pursuant to 15 U.S.C. 1681s-2 ( b ), furnishers have a duty to conduct a reasonable investigation of disputed information and correct or delete information that can not be verified. The FCRA also requires reasonable procedures to assure maximum possible accuracy of information reported to consumer reporting agencies under 15 U.S.C. 1681e ( b ). I have made multiple good-faith attempts to obtain documentation supporting the reporting of this account. CCS has continued reporting the account while failing to provide documentation sufficient to establish the accuracy of the information being furnished. As a result, I continue to suffer harm through negative credit reporting that affects my ability to obtain favorable financing and housing opportunities. I am requesting a regulatory review of CCS 's reporting practices regarding this disputed account and the immediate deletion of this collection tradeline from all consumer reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: TX

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal Credit Union committed a sever processing oversight regarding a debit card dispute for {$560.00} charge. The merchant committed gross material misrepresentation under XXXX by selling an inherently dangerous, diseased animal under false pretenses. The animal bit a certified paramedic twice and caused an official state-files public safety bite report within XXXX hours or purchase. I provided Navy Federal with irrefutable state law enforcement reports, paramedic statements, and veterinary medical records. Navy federal completely ignored this evidence and incorrectly closed the dispute based solely on a merchant 's 'No Refund ' clause. Under XXXX XXXX guidelines, a merchant 's return policy is legally void if the commit fraud or misrepresentation. Navy Federal failed to execute a proper investigation and allowed the merchant to profit from an illegal and dangerous sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sykes,Bourdon,Ahern & Levy, P.C.
State: VA

Complaint narrative:
Complaint Regarding Excessive Wage Garnishment and Request for Temporary Suspension Pending Court Review I respectfully request your assistance regarding the garnishment of my wage. The underlying judgement is a default in case no. XXXX. The Notice of Motion for Judgment, dated XXXX XXXX, was mailed to an address where I did not live. Because I never received notice of the lawsuit, I was denied the opportunity to appear in could and present my evidence. I am not attempting to avoid obligations. I only ask for a fair opportunity to submit my documents and have the court review my case. On XXXX XXXX, a wage garnishment was deducted from my paycheck. I do not object to that deduction. However, on XXXX XXXX, the amount withheld increased to {$500.00} from my disposable earnings of {$1200.00} for my biweekly paycheck. Based on my understanding, this deduction exceeded the legal limit of XXXX percent of my disposable earnings. I immediately objected after being contacted by the debt collector, but the deduction had already been processed. In addition on XXXX XXXX, I appeared in court in response to the first XXXX Summons. The case was dismissed as reflected in the Courts XXXX XXXX signed by the Honorable Judge. I have the copy of the signed XXXX XXXX as part of my supporting documentation. I am submitting this complaint urgently because another garnishment is expected from my upcoming paycheck on XXXX XXXX. I respectfully request assistance before another deduction is made as I am already expressing severe financial hardship. The garnishment has made me difficult for me to pay the shelter and basic needs of my grandchildren. I respectfully request that the wage garnishment be temporarily suspended while the court review the documents and determines whether the default judgment should remain in effect. Plaintiff : XXXX Multifamily, XXXX XXXX XXXX Pines Apartments Plaintiffs Attorney XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX home healthcare Thank you for your time and consideration. I sincerely appreciate your review of my complaint and any assistance you XXXX provide. Respectfully, Defendant

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation