vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 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: PA

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The personal information on my credit report were outdated.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 2026-06-25 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:
A wire transfer was deposited into my account on XX/XX/year>. The sender willingly authorized it via XXXX, deleted all contact, and blocked me. Also initiated a fraudulent first-party recall. My bank has held these funds for over XXXX days. Over the phone, my bank confirmed they have received NO formal legal indemnity or proof of fraud from the sending bank, yet they are threatening to close my account on XX/XX/XXXX. Because the sending bank has failed to provide a signed Hold Harmless agreement within the statutory XXXX investigation window, I demand the immediate release of my positive available balance via a cashier 's check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
In XX/XX/XXXX, I financed a recreational vehicle through M & T Bank. At purchase, the dealership ( XXXX XXXX of XXXX XXXX, MA ) bundled approximately {$22000.00}. in optional backend service contracts and extended warranties into the loan principal.XXXX days after purchase, on XX/XX/XXXX, I verbally requested cancellation. On XX/XX/XXXX, I submitted a formal written cancellation within the contract 's XXXX " XXXX XXXX '' period, legally entitling me to a 100 % full refund. On XX/XX/XXXX, the dealership finance XXXX acknowledged the cancellation in writing but itemized only {$15000.00} in refunds, leaving an unexplained {$4600.00} discrepancy. The dealership has since completely ceased communication.On XX/XX/XXXX, I visited an M & T Bank branch in person to open an official merchant dispute regarding this un-refunded balance. M & T Bank has left this dispute unresolved for over XXXX days.Furthermore, I recently made a massive out-of-pocket payment to cover the entire physical cost of the vehicle asset. Instead of applying this as a principal-only reduction to XXXX out the vehicle, M & T Bank XXXX XXXX system misallocated the payment to advance my next monthly calendar due date out to XX/XX/XXXX ( " paid ahead '' status ) XXXX a direct result, the physical RV asset is entirely paid off, but M & T Bank XXXX XXXX XXXX daily simple interest to accrue on a remaining {$20000.00} principal balance that consists strictly of disputed, legally canceled dealer products.I demand that M & T Bank XXXX XXXX XXXX interest accrual on this disputed amount, investigate the dealership 's shorted refund math, and claw back the full {$20000.00} premium from XXXX XXXX to close out this 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 non-monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I had an issue with Bank of America regarding my CD account. I filed a complaint with kyria in your department. She didnt follow up on my complaint. I called her several times. She kept promising me that shes going to file the complaint. Finally, I got a hold of her today. I asked her what were the results of me filing the complaint and she said what Complaint, how rude and unprofessional. after chasing her for several weeks I finally get a hold of her and she has the nerve to say what complaint. she didnt even file the complaint. What Kind of rude and unprofessional people do you have working for you. Your bank used to be a professional respectable place now half of the people working there are disgusting and trashy. She didnt even file the paperwork. I need to file a complaint about her and I need my complaint filed and I have been a Bank of America customer over 30 years. I do not deserve this kind of treatment. Call me tomorrow XXXX at Tennessee Central time XXXX XXXX I need this matter resolved

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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> I bought a starter from XXXX for {$490.00}. XX/XX/year> I reported wrong item delivered/requested a refund. XX/XX/year> photos was requested/emailed. XX/XX/year> return was denied do to there return policy of not excepting electric parts back. Instead of understanding wrong item was received so it shouldn't matter about the return policy. I filed a dispute with my bank to get things right. My bank did all wrong/was confused from day 1 not putting wrong item received. My bank gave 3 different claim # so mixed up. Closed/reopened the claim. Claim still says reopened but when I speak I'm told it's closed. Bank is suppose to get you your money back. XXXX told me if I have proof of return/seller still refused to refund is were my bank is suppose to handle things were I win the dispute but my bank failed to do this/I 'm filing this complaint!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, a freestanding Wells Fargo ATM malfunctioned at XXXX XXXX XXXXXXXX XXXX Wa XXXX, ATM : XXXX and kept my {$450.00} cash deposit. I first deposited XXXX dollars then selected to proceed depositing while i was done depositing the rest of the {$250.00} there was a malfunction and it stated it jamed and gave me a receipt. My online banking shows a system glitch placeholder of a {$0.00} pending deposit. I filed an internal dispute, and the bank assigned Claim Number : XXXX. Despite clear evidence of a machine failure, the XXXX XXXX XXXX refused to issue an immediate provisional credit under Regulation XXXX, citing an 'offline team ' delay that she is unable to give me a credit it will take XXXX business days while they review and investigate. This has caused immediate financial hardship as i am not working and i have bills to pay the whole reason for deposit was for a bill that was due immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi bank randomly froze my funds stating fraud I went without funds for a weekend then they permanently closed my account with no real explanation on why and now has my money frozen which has caused a hardship

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address, and SS Card.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am filing a formal regulatory complaint against Wells Fargo for failing to adhere to federal billing dispute requirements and established credit card network regulations ( XXXX ) regarding services not provided. On XX/XX/year>, a charge of {$10000.00} posted to my account from the merchant XXXX XXXX. This transaction was for an ongoing/future-delivered service. When the service ultimately ceased/failed to be provided, I timely initiated a billing dispute with Wells Fargo ( Dispute Number : XXXX ). Wells Fargo summarily denied and closed my dispute, stating via email that they are bound by network regulations which limit disputes based strictly on the time elapsed since the transaction posted. This application of the rules is entirely incorrect and a misrepresentation of network guidelines. Under XXXX Rules ( Dispute Condition 13.1 - Merchandise/Services Not Provided ) and XXXX Rules ( Chargeback Message Reason Code XXXX ), the 120-day timeframe to file a dispute for ongoing or future-delivered services begins on the date the services were truncated, interrupted, or ceasedNOT the original transaction posting date. The overarching network limitation is 540 calendar days from the central transaction date, a window I am well within. I explicitly brought these network regulations to Wells Fargo 's attention, and they flatly refused to reopen the case or process the dispute. By enforcing a generic, arbitrary timeline and refusing to evaluate the specific nature of a future-delivered service contract, Wells Fargo is avoiding its processing obligations on a major {$10000.00} financial claim. I request that the CFPB compel Wells Fargo to immediately reopen Dispute XXXX, accurately apply the correct card network rules for ongoing services, and process this chargeback request according to federal and network guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2026-06-25 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:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing a formal complaint against Citibank regarding an unresolved fraud dispute on my checking account ( Case Reference XXXX and XXXX ). Between XX/XX/XXXX and XX/XX/XXXX, five unauthorized digital wallet transactions totaling {$1900.00} hit my account. I filed an initial dispute, which was denied. On XX/XX/XXXX, I submitted a first formal appeal. Following this appeal, the bank issued highly erratic, arbitrary partial credits totaling {$850.00} ( {$31.00} for a XXXX charge, and {$580.00} and {$230.00} for XXXX XXXX XXXX charges ), leaving an un-refunded balance of {$1000.00}. The bank refused to credit the remaining balance, claiming that because my physical phone never left my possession, I must have authorized the XXXX XXXX charges. However, I have never set up or used XXXX XXXX on my phone. I filed a second formal appeal in XX/XX/XXXX. The bank rejected this appeal on XX/XX/XXXX. Crucially, however, the bank enclosed their internal " Investigation Commentary '' log which directly blows apart their own reason for denial. Under the internal comments, the bank 's cyber-fraud platform explicitly logs : " Exact & Smart Device IDs tagged in XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ) is the fraud detection network used to match device fingerprints. The bank 's own technical log definitively proves that NO matching device or smart credentials associated with my physical phone were used to execute these charges. The fraud was committed on an entirely separate, unauthorized third-party device ID. Despite their own cyber-forensics proving my phone was not involved, the back-office claims department committed a gross analytical error, closing the file with " Does not meet any criteria - No referral needed. '' The bank has clear proof of an unauthorized third-party device breach and is in direct violation of electronic fund transfer protections under Regulation E by withholding my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: OK

Complaint narrative:
The Lease with XXXX XXXX in Clinton, XXXX was prematurely declared void due to the apartment being unlivable prior to its term end date. Procollect , INC ( hereafter referred to as " the collection agency '' ) was hired in order to attempt to collect a debt that was not owed. Several disputes were filed by both the co-owner of the alleged " debt '' and myself, with the most recent dispute being filed XX/XX/year>. The disputes offered proof that late payments were not supposed to be on our account and we're due to error as well as proof of the written request for repairs and declaration of an unlivable apartment. Pictures of electrical hazards, lack of heating and AC, evidence of interior water damage and mold were also provided. The collection agency denied all claims and will not stop harassing me. They stopped contacting the other holder of the joint account upon the other holder stating their intent to report to the CFPB, and only reported the supposed funds owed to credit agencies under my accounts. I believe this shows knowledge of wrongdoing as they are targeting only one account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX my Wells Fargo Checking Account was charged an unauthorized transaction and an irregular unauthorized amount of {$400.00} for a Wells Fargo Credit Card payment resulting in a negative balance. Around XX/XX/XXXX I lost my credit card in public which resulted in it being stolen and utilized for unauthorized transactions. At this time my normal Credit Card auto pay amount was around {$180.00}. On XX/XX/XXXX I turned off my Wells Fargo Credit Card auto-payments and froze my card On XX/XX/XXXX my credit card incurred fraudulent charge, I reported it immediately, froze my card ( because it didn't save my preferences the XXXX time on XX/XX/XXXX, which would've prevented this ), and ordered a new card. On XX/XX/XXXX I submitted the dispute and report of this event in order to rectify. When reporting this, the rep confirmed I turned off auto pay on a recorded line and froze the card. Around XX/XX/XXXX my dispute was resolved and balance was rectified on the credit card, with a new card being ordered. Around XX/XX/XXXX new credit card received but not activated On XX/XX/XXXX my low balance checking account with Wells Fargo was overdrafted by a hefty {$400.00} unauthorized " autopay '' ( turned off ) of an inflated amount ( prior autopays were around {$180.00} ) to a Wells Fargo Credit Card Payment On XX/XX/XXXX I reported this to Wells Fargo and immediately requested a refund of that amount to my checking account and a realistic adjust of minimum payment on the Credit Card before any payment is drafted. On XX/XX/XXXX while speaking with XXXX different Wells Fargo reps on the phone, both said they were submitting my claim and no one ever submitted any claim in the system On XX/XX/XXXX I followed up by phone with Wells Fargo to confirm claim status and new rep confirmed no claim was ever submitted. The new wells fargo rep then escalated me to the claims team and submitted my claim properly. Wells Fargo not only charged an unauthorized amount of money, they did so in an unauthorized and predatory way, while also negatively impacting their own financial product and consumer health via checking account overdraft, but, Wells Fargo also did not have a policy in place to help me with my request for the full refund and is training their representatives to mishandle my formal report in order to not fulfil or rectify my request within rights. I have email notification, in app preference change notifications/timestamp details, and phone records as exhibits of the above if needed. Please feel free to reach out to me. Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complaint statement I am filing this complaint concerning Regional Acceptance Corp furnishing a charged-off automobile balance of {$12000.00} to consumer reporting agencies. I attempted to contact Regional Acceptance Corp in writing by certified mail to dispute and request validation of the account. USPS tracking number XXXX shows the item was accepted on XX/XX/year> and returned to sender on XX/XX/year> because the forwarding order for the address was no longer valid. The delivery did not complete. Despite the failed delivery, the account continues to appear as a charged-off automobile balance on my credit reports. I dispute the accuracy, completeness, and verifiability of this reporting. I request that Regional Acceptance Corp provide a complete verification response, including the balance calculation, account history, date of first delinquency, charge-off support, and documents used to furnish this account to XXXX XXXX XXXX XXXX If Regional Acceptance Corp can not verify the reporting with accurate and complete records, I request that it instruct XXXX XXXX XXXX XXXX to delete the tradeline. Federal law involved includes the Fair Credit Reporting Act, 15 U.S.C. Section 1681e ( b ), 15 U.S.C. Section 1681i, and 15 U.S.C. Section 1681s-2 ( b ). Requested resolution Provide complete verification of the account and balance. Correct any inaccurate or incomplete reporting. Delete the tradeline from XXXX XXXX XXXX XXXX if the account can not be verified with accurate and complete record

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