vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LOAN SIMPLE INC.
State: GA

Complaint narrative:
I have been in the process of buying a home. I was approved by loan simple. I finally found the home I wanted in XXXX. I was told the documents I needed to submit by the loan officer XXXX. I was then told by XXXX that XXXX the processor would contact me in the next week. XXXX sent me the numbers as the down payment being close to {$6800.00} and the seller would pay the closing close. I was told everything was good to go and we could close XXXX XXXX. XXXX stayed in contact during the process and stated I needed to submit more and pay off some debt. So we requested an extension for closing XX/XX/XXXX. I paid off the debt and submitted the paperwork needed. Then I was contacted again stating that he needed letters of confirmation for the debt. I then submitted that paperwork as well. My closing was then scheduled for XX/XX/XXXX. This whole process I didn't speak to XXXX until XX/XX/XXXX, 4 days before the scheduled closing. She told me that she went on vacation for a week and was sick for another week as the reason for not contacting me. She then requested for me to upload the documents in the portal. I uploaded everything and She stated that now she can submit my paperwork to underwriting on XX/XX/XXXX. She also stated that my numbers were {$2000.00} higher than the previous quote, in which I was told by her that you estimate higher but it gets lower. A {$2000.00} up on expenses, paying for an inspection, paying for the appraisal, and extending my close date twice are not the results I expected to get from this company. After extending, The least that could have been done on time was the underwriting which should have had my paperwork at least 2 weeks prior to. I have been literally stressed to the maximum. This has been a horrible experience and I am now stuck waiting again on the behalf of the processor 's vacation. Please help me!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
Hello the complaints Google Google XXXX on phone withdrawal One time XXXX monthly which is {$2.00} XXXX Now Google Google XXXX withdrawal from XXXX account Notice this last month the bank gave me credit Now the Google Google XXXX Came back again take off my XXXX checking account card again XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX claim with my bank It's not aways about it Purposes New card cancel old card Iam cleaning out My phone will not Anymore Google XXXX space, need keep my mailbox clean for space Thank you kindly

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 2026-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently discovered a collection account for {$170.00} related to a telephone service from a company that I do not recognize and with which I have never done business. I did not authorize the opening of this account, I did not apply for this service, and I am not responsible for this debt. This account is negatively affecting my credit report. I am requesting a full investigation, validation of the debt, and the immediate removal of this account from all credit reporting agencies if the company can not prove that I opened or authorized the account. I have attached documentation supporting my identity theft 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 non-monetary relief
Consumer complaint received 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding an ATM cash deposit transaction and the response I received from Truist Bank. On XX/XX/year>, I made a cash deposit at the ATM located at the Truist branch at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The ATM accepted my cash deposit but then generated a receipt stating that there was an ATM error and that the deposit did not process. The ATM retained my cash and did not return the funds. When the branch opened, I immediately went inside to report the issue. I spoke with XXXX XXXX XXXX XXXX and explained what had occurred. I was informed that the ATM was not owned or serviced by Truist and was instead operated by a third-party company. My concern is that this ATM is physically located on Truist 's property, attached to the branch drive-through area, and is used by customers conducting banking transactions with Truist accounts. A claim was submitted regarding the missing funds ; however, I was disappointed by the handling of the situation. No immediate assistance, reassurance, or explanation was provided regarding how my missing cash would be recovered. I was simply given paperwork indicating that a claim had been submitted to the ATM operator. Because cash was accepted by the ATM and not credited to my account, I contacted the XXXX XXXX XXXX XXXX XXXX to obtain a report number documenting the incident. I also contacted Truist Corporate Customer Service seeking assistance and clarification. As of the filing of this complaint, I have not received any meaningful follow-up regarding the status of my missing funds. My concerns are as follows : The ATM accepted my cash deposit and retained the funds without crediting my account. The ATM is located on Truist property and appears to be part of the branch banking services offered to customers. Truist has not provided a clear timeline for resolution. Truist has not accepted responsibility for assisting a customer who used an ATM located at its branch. I am currently without access to funds that were physically deposited into the ATM. I am requesting : A complete investigation of the ATM transaction. Review of all ATM records, balancing records, and surveillance footage from the date and time of the transaction. Immediate credit of the missing deposited funds once the investigation confirms the overage in the ATM. Written communication regarding the status of the investigation and expected timeline for resolution. Clarification of Truist 's responsibility when customers use ATMs located on its premises. I have retained the ATM receipt, claim documentation, and any additional records related to this incident and am prepared to provide them upon request. Thank you for your attention to this matter.

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 2026-06-24 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 2026-06-24 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: MD

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
This is an experience with Barclay 's Bank and using a credit card from them. As some background, I've had this card for something like XXXX years and been a customer in good standing the entire time. On my last billing cycle, I ended up getting a refund for a substantial purchase, ending with a balance of - {$6000.00} dollars ( i.e. they owe me that amount of money, which normally I would've continued to spend down with the card ). In XX/XX/year>, I moved to another state, and updated my billing address with Barclays. Barclays immediately froze my card. I called them about it, and they refused to unfreeze it without a portfolio of private information ( driver 's license, utility statement, SSN, etc. ) send to them. Around XXXX I sent, this information initially by fax. After that didn't seem to be enough, I mailed it to them as well. Even with proof of the new address, Barclays still wouldn't unfreeze the card. I was out of the country for a few months. Keep in mind that Barclays owes me money, but if it'd been the other way around, they would be charging me interest on my balance despite providing me no way of paying off the balance as I was completely locked out of my account on all ends. In late XXXX, I called them about it again. During the first call, they verified many security details and seemed to be about to unlock the account, but then suddenly hung up on me. During the second call, they collected my details, and then put me on hold ... and didn't pick up again. I waited XXXX minutes with no luck. I'm now opening this ticket. I want to highlight the fact that the account 's been frozen for multiple months now. Luckily they owed me money, but if I'd owed _them_ money, they would've been charging me interest at XXXX or 30 % ( whatever the number is right now ) XXXX throughout this period. Notably, I'm not getting interest on the money they owe me. Of course.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
" I am a non-customer of Citibank. My accountant mistakenly entered a Citibank routing number on my XXXX Federal and State tax returns. My refunds were direct-deposited into a stranger 's active Citibank account XXXX The legal name and Social Security Number attached to the incoming ACH transfers match my identity, not the identity of the Citibank account owner. Citibank 's automated phone systems completely block non-customers from reaching an agent, preventing me from notifying the bank of this misrouted transfer. Under Federal Regulation E, I am placing Citibank on formal notice of an uncompleted electronic funds transfer. I require a representative from Citibank 's Executive Response Team or ACH Operations to contact me directly to initiate a payment reclamation. ''

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 2026-06-24 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I am demanding that Transunion block the following fraudulent accounts, collections, and inquiries from my consumer credit report within 4 business days : XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$17000.00} XXXX XXXX {$79.00} These accounts are the result of identity theft and fraud and are supported by FTC Identity Theft Complaint. Personal Identifying details such as ID, Proof of Address and Proof of SSN has been attached. This is sufficient according to FCRA 605B. Be advised : if you stall and ask for additional documents outside of what is needed according to FCRA 605B, I will pursue legal action. If you delay beyond 4 days, I will pursue legal action. If you contact creditors before blocking, I will pursue legal action. If you misclassify this as a 30-day dispute or add dispute remarks, I will pursue legal action. If you ignore or disregard this request, I will pursue legal action.

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 2026-06-24 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: IL

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 2026-06-24 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized Offset Payment transactions that Bank of America debited from my personal checking account without my authorization. The transactions are : XX/XX/year> Offset Payment to account ending XXXX {$2200.00} XX/XX/year> Offset Payment to account ending XXXX {$4300.00} XX/XX/year> Offset Payment to account ending XXXX {$2600.00} Total withdrawn from my personal account : {$9100.00}. These transactions were apparently applied to credit card obligations associated with business entities and/or LLC accounts XXXX My personal checking account is separate from those entities. I dispute Bank of Americas authority to remove funds from my personal checking account to satisfy these business obligations. Despite prior written disputes and certified correspondence sent to Bank of America, the bank has continued to debit my account. To date, Bank of America has failed to provide a satisfactory explanation or produce documentation establishing its legal authority to perform these offsets. Accordingly, I request that Bank of America provide : 1. A complete written explanation of the contractual and legal authority relied upon for each offset transaction. 2. Copies of all documents, agreements, signature cards, guaranties, account applications, credit card agreements, account-linking records, electronic authorizations, and internal records that Bank of America contends authorize these withdrawals. 3. Immediate reimbursement of all amounts removed from my personal account, totaling {$9100.00}. 4. Reimbursement of any fees, charges, losses, or damages resulting from these transactions. 5. Written confirmation that no further offset transactions will be made against my personal account absent valid legal authority. Because this conduct has occurred repeatedly after notice and dispute, I reserve all rights to pursue all remedies available under applicable federal and South Carolina law, including actual damages, enhanced damages where authorized by law, attorneys fees, costs, and any other relief deemed appropriate. Attached are : Exhibit A Bank of America Offset Notice dated XX/XX/year> ( {$2600.00} ) Exhibit B Prior Offset Notice dated XX/XX/year> ( {$2200.00} ) Exhibit C Prior Offset Notice dated XX/XX/year> ( {$4300.00} ) Exhibit D Prior dispute letters sent to Bank of America Exhibit E Certified mail receipts and delivery confirmations Exhibit F Bank statements reflecting the disputed withdrawals

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 2026-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went in XX/XX/XXXX to cash my cahier 's check in the amount of XXXX. The check was issued to me XX/XX/XXXX at Wells Fargo XXXX XXXX XXXX XXXX, XXXX Ca phone no to bank is XXXX. I was told the cashier 's check had no expiration date. I still have the physical check it is in my name. I have an account with Wells Fargo with all my information address and phone. So I went in on XX/XX/XXXX to cash check for an emergency family situation they the funds no longer there it was to California unclaimed property. I asked for something in writing that it was sent this vice president XXXX XXXX said he couldn't give it to me. I was so distraught after speaking a lady named XXXX that took copies of check told me check unclaimed property in 4 to 6 weeks. I sitting there crying about my money then XXXX was so dismissive asked to leave the bank. I did check unclaimed nothing there I have called corporate office they did give a case number. My main complaint they didn't follow proper procedure about giving me notification before sending it California unclaimed property .they would not give any 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 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called Transunion to report unauthorized inquiries on my credit report. The agent told me to mail a letter. I sent a letter to transunion reporting inaccurate information on my credit file along with a copy of my id, social security card, and utility bill for proof of address. Transunion responded with a letter stating they could not verify that it was me who sent the letter when I sent all of the proof to verify my identity. After I received the letter, I called to figure out why the information wasnt verified and they told me I have to resend my letter and identification proof. I paid to send my letter certified and made sure I had everything I needed, only to get the run around.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date of incident/branch visit : XX/XX/XXXX In XX/XX/XXXX, my Wells Fargo checking account was charged a total of six fees : four insufficient funds ( NSF ) fees and two overdraft fees, each at {$35.00}, for a total of {$210.00}. I do not have the exact dates of each individual charge but can confirm all six occurred within XX/XX/XXXX. On XX/XX/XXXX, I visited my local Wells Fargo branch in person, with a scheduled appointment, specifically to dispute these charges and request a refund. The banker I met with said she was unable to assist me and instructed me to call Wells Fargo 's customer service number when I got home. I called that number immediately after leaving the branch the same day. The representative on the phone also declined to issue any refund, asserting that a refund had already been issued for these charges and that bank policy does not allow further fee refunds within a one-year period. No documentation, confirmation number, or written policy was provided to support either claim. I am requesting that the CFPB investigate and assist in obtaining : 1. Written proof of the refund Wells Fargo claims was already issued ( date, amount, confirmation number ) ; 2. A copy of the specific written policy cited limiting fee refunds to once per year ; 3. A full reversal of the six fees totaling {$210.00}, given that no adequate explanation or documentation was provided either in branch or by phone. I am also concerned this reflects a broader pattern, given Wells Fargo 's history of regulatory enforcement actions over improper overdraft and NSF fee practices, including a XXXX CFPB XXXX requiring the bank to pay over {$2.00} XXXX to customers harmed by similar conduct. Sincerely, 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