vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Request for Regulatory Review of U.S. Bank Promotional Bonus Dispute I opened a U.S. Bank checking account after reviewing an advertised promotional offer and deposited approximately {$25000.00} in reliance on that promotion. Because the promotion terms were unclear, I contacted U.S. Bank customer service multiple times before proceeding. I specifically asked whether XXXX online transactions would qualify for the promotion. The calls were made from my phone number ( XXXX ) on XX/XX/2026 at approximately XXXX XXXX ( XXXX minutes ), XX/XX/2026 at approximately XXXX XXXX ( XXXX minutes ), and XX/XX/2026 at approximately XXXXXXXX XXXX ( XXXX minutes ). I recall being told that the transactions would qualify. Relying on that information, I maintained approximately {$25000.00} in the account for months and completed the transactions I understood were required. U.S. Bank later denied the bonus, claiming the transactions were ACH debits rather than ACH credits. I am concerned that U.S. Bank repeatedly states that it can not locate the call recordings and has relied on that inability to reject my complaint. I am also concerned that the promotion uses technical terms such as ACH credits without clearly explaining how ordinary consumers can determine whether a transaction qualifies. As a result of relying on information provided by U.S. Bank, I received neither the promised bonus nor meaningful interest on approximately {$25000.00} that remained in the account for months, causing a real financial loss. I respectfully request : Review of the identified customer service calls and U.S. Banks efforts to locate those recordings. Reconsideration of my claim and appropriate compensation for the financial harm caused by my reliance on information provided by the bank. Review of whether U.S. Banks promotional disclosures clearly and adequately explain qualifying transactions to ordinary consumers. Review of U.S. Banks complaint-handling practices when relevant call recordings can not be located. This complaint is not solely about a promotional bonus. It concerns whether consumers are being provided clear information and whether complaints are being meaningfully investigated.

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 — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello, Today I spoke to XXXX, who's a supervisor with USAA 's Dispute Resolutions Team. She confirmed that a partial amount of {$490.00} against XXXX XXXX, was permanently credited to my account because I didn't use the service. Which is part of a total amount of {$990.00}, one submitted against XXXX. Moreover, she claims that remaining {$490.00} is still under reviewby " the system. '' Which is currently under a second review as of last week, following the re-submission of the entire dispute, by another supervisor named XXXX. Now, XXXX of my checking accounts are delinquent for {$350.00}. Ironically, XXXX claims it will take their team at least 30 days to review my appeal to determine if any errors occurred. Consequently, I must suffer the repercussions of clearing the delinquency until " the system, '' is able to make a decision. So, at your convenience, could you please help me resolve the matter at hand by assisting me to retrieve the remaining 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 non-monetary relief
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting a complaint regarding Citibanks failure to properly investigate and resolve a credit card dispute involving a billing errorspecifically, a charge for services not rendered as agreed. In XX/XX/XXXX, I paid {$2900.00} for a multi year college counseling service intended to continue through XX/XX/XXXX. The vendor began providing services in XX/XX/XXXX but ceased operations in XX/XX/XXXX after delivering only minimal and incomplete services. As a result, the majority of the contracted services were never delivered. Based on the service agreement, I calculated that {$2900.00} of services were not provided. I have submitted the contract and supporting documentation to Citibank multiple times. I initiated a written dispute on XX/XX/XXXX and have made ongoing efforts to provide all requested information. Despite this, Citibank has failed to resolve the dispute : Citibank initially claimed not to have received my dispute and required resubmission I have been asked repeatedly to provide the same documentation Citibank issued denials without addressing the substance of the claim Citibank continues to rely on obtaining a response from the merchant, even though the merchant is no longer in business This charge qualifies as a billing error because the services were not delivered as agreed. Citibank has not conducted a reasonable investigation and instead relies on a response from a defunct merchant. Regarding Citibanks reference to a 60 day dispute window : this matter involves a multi year service contract, and the failure became evident only when the vendor ceased operations in XX/XX/XXXX. This is not a one-time transaction but a continuing service obligation. Additionally, Citibank accepted and processed this dispute over several months, repeatedly requesting documentation and issuing determinations. Under these circumstances, denying the claim based solely on timing without addressing the underlying issue is not reasonable. I have also been contacted by a law firm pursuing action against the vendor, supporting that the services were not delivered.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including Experian XXXX 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 explanation
Consumer complaint received 2026-06-24 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am writing to significantly expand my formal complaint regarding a highly deceptive and predatory sales call I received from an agent named XXXX XXXX ( XXXX XXXX : XXXX XXXX ). This representative from Freedom Mortage deliberately misled me, ran my credit under false pretenses, and attempted to hide massive long-term costs under the guise of an unconditional " relief program. " The call interrupted a peaceful morning breakfast at XXXX with my son and my daughter. The representative began the call by stating that due to current economic hardships, Freedom Mortgage wanted to proactively offer me " payment relief. '' When I questioned the process or is this real to know what is means?, he pressured me for my personal information, dismissed my hesitation, and demanded my data to check my eligibility. Believing this was a standard customer service financial relief check, I answered his extensive questions, which took substantial time away from my children. XXXX told me to give him XXXX minutes and promised he would call back. my children were incredibly happy and relieved thinking our heavy monthly financial burden was finally going to be reduced, specially I am a teacher with XXXX chronic XXXX and limited income. When XXXX called back, he stated he could successfully reduce my monthly payment by $ XXXX. He threw a barrage of complex numbers at me to confuse me. It was only because I explicitly asked him multiple times if there were any hidden costs, extra fees, orcatches that he finally admitted {$19000.00} would be added to my principal loan balance.This representative deliberately hid the fact that this was a full loan refinancing rather than an interest rate drop or relief program. He weaponized the word " relief '' to trick me into a hard credit pull, damaging my credit profile without upfront disclosure of the massive {$19000.00} price tag.This interaction was predatory, deceptive, and deeply upsetting. He took advantage of my family 's financial situation, ruined a happy morning with my kids, and temporarily damaged my XXXX XXXX through a dishonest bait-and-switch scheme. Running my credit without my permission and taking time and put pressure on us. Due to the deceptive sales tactics, fraudulent misrepresentation, and unauthorized credit access performed by your agent XXXX ( ID : 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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am filing this complaint against U.S. Bank National Association due to a critical, unresolved automated loan processing failure and a concurrent failure by their management to pause automated default tracking while an active internal corporate audit is underway. I successfully completed a three-month mortgage Trial Period Plan ( TPP ), making every single installment payment fully and on time. However, U.S. Bank 's automated telephone payment system experienced a technical touch-tone decoding glitch, misrouting the final installment payment despite funds being fully available. XX/XX/year> : U.S. Bank issued an interim system update stating they were " researching the issues raised and preparing a letter. '' I have still not received this resolution letter. XX/XX/year> : An Upper Escalation Manager reviewed my account and stated the internal tracking system was entirely blank regarding any finalized resolution. XX/XX/year> : I spoke with U.S. Bank Supervisor XXXX ( Employee ID : XXXX ). XXXX XXXX explicitly acknowledged the automated phone system glitch and formally opened an active internal corporate audit under Escalation Ticket No. XXXX. Despite formally opening this internal technical investigation, Supervisor XXXX explicitly stated that the bank " can not guarantee '' the safety of the property and flatly refused to place a temporary administrative hold on the account while their own software error is being reviewed. Concurrently, U.S. Bank 's automated collection systems continue to advance default tracking, issuing daily automated collection alerts and foreclosure text threats to my co-signer. U.S. Bank is actively exploiting the automated timeline to push a perfectly executed modification track into default due to a software glitch they admit is under active internal audit.

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 — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Subject : Follow-Up Complaint Bank of America Account Handling and Resulting Financial Harm I am submitting this as a follow-up to my prior complaint regarding Bank of America. After my initial complaint, I was informed that our account would be closed. However, without any notification or explanation, the account was subsequently reopened and made active again. During the period when we believed the account was closed : * All scheduled bill payments were canceled * We incurred multiple fees and chargebacks * Our household experienced significant financial disruption A particularly serious issue involved my wifes direct deposit. Bank of America initially accepted the direct deposit, then returned it to her employer, and later accepted it again without notice. As a result : * Her employer believed the funds had been returned * My wife requested a physical check to deposit into another bank in order to meet financial obligations * That check could not be deposited because Bank of America had already re-accepted the original direct deposit This created confusion, financial stress, and professional embarrassment for my wife, who is a senior manager and was unable to provide any explanation to her employer due to the lack of communication from Bank of America. Additionally : * We have received no explanation as to why the account was initially flagged for closure or later reopened * Multiple customer service channels were unable to provide answers * We were repeatedly transferred, placed on hold, or disconnected * Requests to escalate to management were unsuccessful * Representatives indicated there were no documented notes despite multiple prior contacts Requested Resolution : 1. A complete written explanation of : * The reason for the account closure decision * The reason for the account reopening without notification * The inconsistent handling of the direct deposit 2. Reimbursement of all fees, penalties, and chargebacks resulting from this situation 3. Review and correction of any internal documentation failures 4. Assurance that this issue will not recur This situation reflects a serious breakdown in communication, account handling, and internal controls, and has caused measurable financial harm. 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 2026-06-24 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm in the process of completing a Loan Modification with Wells Fargo and have received the loan modification agreement with inaccurate calculation for the new mortgage payment. When I started the process, I learned my insurance premium had increased to over $ XXXX year, which accounted for about {$650.00} of my monthly mortgage. I obtained a new policy for {$3400.00}, reducing the monthly insurance portion to {$280.00}. I paid {$5200.00} to my escrow account covering the 3rd modification payment & the insurance premium. The Modification agreement I received, reflects an mortgage payment based on the {$7800.00} Insurance policy. I have called the bank several times and confirmed they have the new policy and the insurance payment, but they insist they can't revise the calculations reflected in the loan agreement. I have spoken to multiple reps in the customer service, escrow, and home preservation departments all who stated the document can't be corrected. One rep went as far to suggest I have to sign the erroneous document as is, or breach the agreement by letting the time expire XX/XX/year> & reapply. I have spent hours on the phone trying to get to a supervisor. In the end I was told my complaint has been escalated twice with no resolution. Wells Fargo should be able to amend a document that no longer reflects accurate calculations for mortgage modification.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Parker & Associates is attempting to collect an alleged medical debt of approximately {$700.00} that I dispute and do not believe belongs to me. The company advised that it has been handling the account since XX/XX/year>. After learning of the collection account, I contacted Parker & Associates and requested validation of the debt, including documentation showing that I am legally responsible for the account and documentation linking me to the alleged XXXX XXXX account. Parker & Associates did not provide documentation sufficient to establish that I owe this debt. I also contacted XXXX XXXX, the purported original creditor, to verify the account. During that communication, XXXX XXXX advised that it could not locate me as a patient in its records and could not identify an account associated with me. I have documentation of that communication. Despite my dispute and the lack of documentation connecting me to the account, the collection account continues to be reported on my XXXX credit report. I am requesting that Parker & Associates provide competent evidence demonstrating that I am legally responsible for this debt. If the debt can not be validated, I request that all collection efforts cease and that any inaccurate credit reporting related to this account be removed or corrected. I have supporting documentation, including my credit report and documentation of my communication with 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