vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: VA

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a balance transfer from my XXXX credit card to my Wells Fargo credit card under a 0 % XXXX promotional offer. Wells Fargo stated the transfer would be completed within up to XXXX business days. As of today, the transaction remains pending. Wells Fargo has reduced my available credit by the transfer amount because it considers the transaction pending, while XXXX has not received the payment and continues to report the full balance on my account. As a result, I have effectively lost access to the available credit on both credit cards. Over the past XXXX days, I have contacted Wells Fargo repeatedly seeking an explanation, confirmation of the transaction status, and a definitive completion date. Representatives have been unable to explain the delay or provide any estimated completion date. I filed a complaint with Wells Fargo, and I was later informed that they believe they processed their portion correctly and are waiting for a response from XXXX. However, this investigation only began after I repeatedly contacted Wells Fargo and filed a formal complaint. Meanwhile, XXXX issued my monthly statement showing the full balance still outstanding. Because the balance remains on XXXX while Wells Fargo has reserved the corresponding credit line, my credit utilization has increased significantly. This appears to have caused an approximately XXXX decrease in my XXXX XXXX. I am requesting that this matter be investigated, that the balance transfer be completed immediately or the pending hold be released, that any adverse credit reporting resulting from this delay be corrected, and that I be reimbursed for any financial harm caused by this unresolved transaction.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Incident Summary : Unjust XXXX Account Closure Due to XXXX Fraud I am seeking the immediate reinstatement of my XXXX account, which was closed entirely due to third-XXXX fraudulent activity that was not my fault. The Situation The Incident : My Truist checking account received an unauthorized, fraudulent deposit via XXXX. The Action Taken : XXXX correctly flagged the transaction as fraudulent. However, instead of simply reversing or removing the fraudulent funds, XXXX permanently closed my XXXX profile. Conflicting Instructions : When I visited a physical Truist branch, bank representatives explicitly advised me to appeal the closure. Conversely, XXXX customer support stated that the decision is permanent and can not be appealed. The " Solution '' Provided : XXXX support advised me to open an entirely new account with a completely different bank to use their services again. Why This is Unacceptable Victim Blaming : My account was the target of an external fraud scheme. Punishing the victim of fraud by cutting off essential financial services is unjust. Not a Feasible Remedy : Demanding that a customer completely uproot their banking relationship, close established accounts, and open a new account at a different institution is an unreasonable, burdensome, and unrealistic demand for a problem XXXXXXXX XXXX automated system created. I want my XXXX account reinstated

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the XXXX XXXX XXXX XXXX XXXX ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX, a balance transfer was made to the new card and the amount of {$2300.00}. A fee of {$110.00} was applied. In addition, purchases of {$69.00} were made. The statement cut off date was XX/XX/XXXX. There was no statement for the month of XXXX. The minimum payment due {$140.00}. This was made XX/XX/XXXX. {$45.00} paid XX/XX/XXXX and {$25.00} paid XX/XX/XXXX ( posted to bank XX/XX/XXXX as this was a weekend ). A total of {$70.00} was paid above the minimum payment. This exceeded the purchase amount of {$69.00}. Balance transfers are in a zero interest. Until XX/XX/XXXX. The XXXX statement showed interest charge of {$1.00}. An additional balance transfer, still zero interest, of {$1400.00} was made XX/XX/XXXX. This included a fee of {$70.00}. Between XX/XX/XXXX and XX/XX/XXXX, purchases in the amount of {$140.00} were made. Minimum payment due was {$65.00}. {$250.00} was paid on XX/XX/XXXX ( posted to bank XX/XX/XXXX ). This was {$180.00} in excess of the minimum payment due. They did refund the {$1.00} interest previously charged. However, they charged {$2.00} interest, additionally. No further purchases have been made to this card. In XX/XX/XXXX, an additional {$0.00} interest was charged. Despite no minimum payment being due, a {$25.00} payment was made XX/XX/XXXX ( posted to bank XX/XX/XXXX ). When I called to request my balance be corrected and interest to be refunded, I was informed that that was in violation of their policy as their policy states they can apply payments in any manner they see fit. I explained this was a violation of federal law and section 3 under how we apply payments section of their policy. They refused to allow me to speak to another person. I have made several phone calls, to resolve this issue, to no avail. They insist they are not violating federal law or their own policy. They currently owe me {$2.00} in interest. For all of the time I have wasted in attempts to correct this issue, for now having to file a complaint ( which is taking time and research ), I feel that I am owed compensation. I believe {$200.00} is fair. This would cover the interest and my balance transfer fees. I opened this card and made these transfers in good faith. They have not exercised good faith, quality customer service they claim to provide themselves on, followed federal law, or followed their own policy. The law they are violating is the credit card accountability responsibility and disclosure act of XXXXXXXX XXXX XXXXXXXX

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: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am a 100 % Total and Permanent ( XXXX & XXXX ) XXXX Veteran residing in Florida. Under Florida XXXX XXXX XXXX, I am granted a 100 % exemption from all ad valorem property taxes, making my tax liability {$0.00}. My mortgage servicer, [ Insert Mortgage Company Name ], is violating escrow servicing regulations by failing to update my account with my official tax exemption. I have sent multiple emails providing my XXXX exemption documentation, but the servicer has completely ignored my communications. Instead of adjusting my account to reflect a {$0.00} tax liability, they have performed an incorrect escrow analysis. They are illegally bundling a past escrow shortage together with a highly inflated, incorrect projection of future property taxes. This has resulted in a massive, unjustified projected mortgage payment increase of approximately {$1000.00} per month. The servicer 's refusal to acknowledge my legal tax-exempt status or respond to my inquiries constitutes an unfair and abusive servicing practice. I am requesting that the CFPB compel the servicer to : XXXX. Immediately remove the incorrect future tax projections from my escrow calculation. XXXX. Recalculate my monthly mortgage payment using a future tax liability of {$0.00}. XXXX. Provide a clear break-down of any actual past shortage, separate from future payment calculations, and offer a reasonable repayment timeline for that past shortage alone without inflating my ongoing monthly payment.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
money was transferred from my bank account to my XXXX XXXX and used to get bitcoin. All my retirement money I pulled early to fix my home because I have court with the city about violations on my home has been stolen. This money was also to be used to as start up funds to purchased goods for my XXXX XXXX since I left my job in XXXX. The bank and cashapp is saying I authorized these transactions and I did not. XXXX said I used said phone to say I was scammed by someone and I never did that because said phone has not been in my possession since around XX/XX/XXXX I had to purchase a new phone on XX/XX/XXXX because my old phone had no storage because the XXXX XXXX took up all the space. I wasnt able to receive messages or emails. I know my phone was hacked. I filed a police report but my claims are being denied and even an auto payment for my spectrum phone bill that I never disputed is on my claim.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including XXXX TransUnion XXXX and other existing breaches. Fraudulent accounts and inaccurate reporting accounts were wrongfully placed on my credit file. These items are not mine and must be deleted. Under FCRA 604 15 USC 1681b inquiries require permissible purpose. FCRA 605B 15 USC 1681c-2 requires blocking identity theft data within 4 business days. FCRA 611 15 USC 1681i requires blocking disputed identity theft data. FCRA 623a6 15 USC 1681s-2 prohibits furnishers from reporting identity theft accounts. FCRA 605a 15 USC 1681c bars reporting bankruptcies older than 10 years. I demand immediate blocking and permanent deletion of all fraudulent accounts and inquiries and cessation of reporting to third parties. Failure to comply violates FCRA 616-617 15 USC 1681n 1681o. Account name : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding an alleged rental debt being reported/collected by Carter-Young, Inc. for XXXX {$9600.00} dated XXXX XXXXI dispute responsibility for this debt because I do not believe this account belongs to me and I do not recognize or authorize the obligation being claimed. I previously disputed this item, and after review it was removed, but it later reappeared. I am asking that the company investigate this matter and remove any inaccurate information.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Account : Everyday Checking ending in XXXX. On XX/XX/XXXX, XXXX recurring payments posted ( XXXX {$19.00}, Dropbox ~ {$11.00}, Grok xAI {$30.00} ). My account ended that day with a positive balance of {$110.00}. On XX/XX/XXXX, Wells Fargo assessed XXXX {$35.00} overdraft fees for those items. Additional recurring payments and XXXX more {$35.00} overdraft fees brought the total to XXXX fees ( {$170.00} ), even after I XXXX my debit card. A debit card transaction was declined for insufficient funds on XX/XX/XXXX. I received Wells Fargo emails confirming low/negative balances and the XXXX XXXX XXXX XXXX ( until XXXX p.m. XXXX the next business day ). Screenshots show the positive XX/XX/XXXX ending balance and transaction details. Despite this evidence, customer service and a supervisor denied reversal, stating the fees were not erroneous ( though the rep noted things " didn't make sense '' ). I have already filed an internal formal complaint. I am requesting a full reversal of all XXXX {$35.00} overdraft fees and any related charges, as they appear inconsistent with the posted balances, the grace period policy, and the information in XXXX XXXX own emails.

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This debt collector has engaged in conduct that violates the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the XXXX. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Owner : Individual Account ACCOUNT OPENED FRAUDULENTLY VICTIM OF XXXX XXXX XXXX I am writing to you formally regarding my consumer file maintained by XXXX. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and is tied directly to the recent TransUnion data breach in which consumer files, including mine, were placed at risk of compromise and potential inaccuracy. The breach in question undermines XXXX statutory duty under : FCRA Section XXXX ( b ) ( codified as 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies ( CRAs ) to follow " reasonable procedures to ensure maximum possible accuracy '' when preparing a consumer report. FCRA Section XXXX ( a ) ( XXXX ) ( A ) requires consumer reporting agencies to conduct a free reinvestigation of disputed information. This kicks in if you notify a credit bureau of an error regarding the completeness or accuracy of any item in your credit File FCRA XXXX & XXXX REQUESTING CONSUMER FILE PROTECTIONS IN INSTANCES OF SUSPECTED COMPROMISE, FRAUD, OR IDENTITY MISUSE GIVEN THAT YOUR OWN BREACH JEOPARDIZED THE CHAIN OF CUSTODY, ACCURACY, AND RELIABILITY OF THE DATA IN MY CONSUMER FILE, ANY ITEMS CURRENTLY MARKED AS NEGATIVE, DISPUTED, OR UNVERIFIABLE BE TREATED AS COMPROMISED. IT IS NO LONGER POSSIBLE FOR TRANSUNION TO reasonably VERIFY THESE ACCOUNTS AS ACCURATE UNDER FEDERAL LAW, SINCE YOUR SYSTEMS HAVE ALREADY DEMONSTRATED FAILURE IN SAFEGUARDING CONSUMER DATA. Accordingly, I am demanding the IMMEDIATE and PERMANENT DELETION OF THE FOLLOWING COMPROMISED AND UNVERIFIABLE ITEMS FROM MY FILE. Inadequate Investigations : Instead of conducting reasonable investigations, XXXX allegedly rubber-stamped improbable or illogical responses from creditors and debt XXXX. [ XXXX ] Reinsertion of Errors : The bureau failed to take reasonable steps to prevent inaccurate information from being reinserted onto consumer reports after it was disputed. [ XXXX ] Ignoring Consumer Evidence : XXXX frequently disregarded key details and documentation provided by consumers when they tried to correct their credit files

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: TX

Complaint narrative:
I did not sign up for a subscription and if I did Im pretty sure I cancelled it. They took XXXX out of my account unauthorized. I tried to cancel but their app requested the last XXXX digits of Alberts debit card that I never even gotten nor requested to begin with. And then the app claims they dont refunds. I demand my money back and for my unauthorized subscription to end.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: TN

Complaint narrative:
After repeatedly telling XXXX this matter will be handled in writing the company decided yet again to contact someone not one my account. They were told that the number they are calling is a third party. They have again violated my privacy by doing this. Its a violation of the CFPA. Photo from third party attached. I again want an arbitration. At this time I will be seeking damages.

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: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
Barclays closed my account more than 10 years ago. I have money remaining in the account when it was closed. I have attempted to contact Barclays by email but have not received a response. I am requesting a full accounting of the account, including the closing balance, transaction history, and documentation showing where any remaining funds were sent. If the funds were transferred to unclaimed property, I request the details needed to recover them. The information I remember associated with the account is below : Name : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Previous Email : XXXX Current Email : XXXX Unfortunately, I do not remember the account number.

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