vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I do not have any knowledge of this debt or who it belongs to this creditor has never reached out to me or has notified me about anything i am un aware of this debt.. i have tried to reach out many times to this creditor and have not gotten any response from them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
I disputed a transaction ( ACH through XXXX XXXX ) and Ally Bank ruled in my favor. But they have restricted my account, which seems heavy handed as the amount was under {$60.00}. I have removed my Ally account from XXXX XXXX and the merchant is not able to make another debit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — Store credit 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: NM

Complaint narrative:
On XX/XX/XXXX I purchased a pc monitor with a Best Buy credit card. The item was expected for delivery by a 3rd party service on XX/XX/XXXX. However, on XX/XX/XXXX I received automated texts from the 3rd party delivery service informing me that the package could not be delivered and would be returned to the store ( screenshot attached ). I monitored my account online over the next few weeks and verified that the return still being processed. I did not receive further communications from Best Buy until XX/XX/XXXX where the company provided a receipt showing the return had been processed. They also sent a separate email on XX/XX/XXXX stating they applied a credit in the amount of {$320.00} to my original payment method ( emails attached ). The statement credit was not applied to my Best Buy credit card and I continued being charged for it. Summer XXXX I called Best Buy customer service and opened a claim with Best Buy 's accounting. I also called Citibank, the card issuer, to inform them of the dispute. Citibank advised I inform their fraud department, which I did, and continue reaching out to Best Buy. Late summer XXXX Best Buy rejected my claim. I continued contacting Best Buy regarding the issue until I had to open another claim XX/XX/XXXX. The company responded that they can not process the order because it was replaced in their system. I did not receive a replacement and Best Buy never applied a statement credit to my card. The charge has accrued interest because they never applied the credit and I was reported to a debt collection agency. I never purchased a monitor in the store in person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX started this year exclusivity with Citibank for their Aadvantage brand. I used to have a XXXX XXXX credit card for several years, high credit limit and perfect payment history. A new card was mailed, I used it for a month approximately and Citibank closed my account. I never requested the account, it was automatically migrated from XXXX XXXX to Citibank. I feel it was unfair and no explanation was provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the decision to close my U.S. Bank credit card account ( s ) after being classified as high risk. I was surprised and disappointed by this decision. Although I have been carrying a balance, I have consistently been making payments toward my account and have been working diligently to pay off my debt in a responsible manner. At no point have I intended to avoid my financial obligations. Closing my credit card account while I am actively repaying my balance creates unnecessary financial hardship. It negatively impacts my credit profile by reducing my available credit and increasing my credit utilization, making it more difficult for me to improve my financial situation. In addition, I am concerned about how my request for a second review was handled. During my conversation with your representative, I requested that a supervisor review the decision. Instead of transferring me to a supervisor as I requested, the representative stated that she would conduct the second review herself. I was not given the opportunity to speak with a supervisor despite my request. This interaction left me feeling that my concerns were not taken seriously and that I was not treated fairly. Based on the way my request was handled, I felt discriminated against and denied a meaningful opportunity to have my case independently reviewed. I ask that you investigate this interaction, including reviewing the call recording, to determine whether your policies and customer service standards were properly followed. I respectfully request that U.S. Bank reconsider the decision to close my account ( s ). If there were specific concerns that led to this determination, I would appreciate a clear explanation and the opportunity to address those concerns. I have made every effort to fulfill my financial obligations, and I believe my commitment to repaying my debt should be taken into consideration. I also request a written explanation of the reasons my accounts were classified as high risk, a review of the representatives handling of my request to speak with a supervisor, and a written response to this complaint. I have valued my relationship with U.S. Bank, and I hope this matter can be resolved fairly and professionally. Thank you for your time and attention. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I requested that my account ending in XXXX be closed. Bank of America has not closed the account and continues to bill the monthly fee.

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 2026-07-02 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: SC

Complaint narrative:
On XX/XX/year> I attempted to use my Wells Fargo visa to pay for a XXXX taxi fare in XXXX ( approximately {$18.00} ). The driver said my card was declined. A few minutes later I got an alert on my phone that he had charged me {$400.00} for a charge I never made. I immediately called Wells Fargo and told them it was an unauthorized charge, and XXXX told me not to worry because Wells Fargo would take care of me. However, they have now denied the dispute because they claim I did not get a receipt when I paid the driver in cash ( XXXX XXXX because I didnt have enough XXXX, which is why I confirmed when we got in if he took credit cards ). I told Wells Fargo I had a witness who saw me pay ( and who incidentally had tried to pay with an XXXX after my card was declined and was also told her card was declined. She subsequently was also charged an exorbitant amount, but XXXX resolved it in her favor ). I can not believe Wells Fargo and Visa are just letting this crook get away with fraud. They told me to contact the merchant, but I have no contact info ( theres not even a phone number for them on my statement ) and theyre in XXXX XXXX Also, is it legal to accept a {$400.00} charge without a signature?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On Friday XX/XX/year> a company called only fans withdrew {$200.00} from my checking account at Citibank. Citibank is doing nothing and did nothing to protect my account two separate online withdrawals of {$100.00} hit my account. Other than. Taking a report they have refused a provisional refund and tell me I have to wait 10 days or longer for investigation not even started. Did not even notify me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this statement to dispute an account that was opened without my knowledge or authorization. On XX/XX/year>, a Regions Bank checking account fraud entry was reported under my name. There is no known account balance or amount associated with this account, and I do not recognize or accept this account as valid. After discovering this issue, I took immediate action to resolve it. I attempted to dispute the account through XXXX XXXX XXXX, but the dispute was not successfully resolved. I also contacted and spoke directly with a Regions Bank branch in an effort to address and correct the fraudulent account. Despite these actions, the account remains on my record. I am formally requesting that this account be thoroughly investigated and removed from my credit and reporting files, as it was opened without my consent and is the result of unauthorized use of my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: TN

Complaint narrative:
Request for XXXX XXXX Thank you for your willingness to submit an additional inquiry on my behalf. I understand that this request should focus on new developments rather than repeat my previous complaint. I respectfully request that the CFPB review the following issues that have arisen since my earlier complaint : 1. U.S. Bank acknowledged in writing that I received conflicting information regarding the status of my loss mitigation review. 2. During the review process, I was repeatedly informed by U.S. Bank representatives that my file was complete and under review, and a property appraisal/valuation was ordered. 3. After U.S. Bank advised that my loss mitigation review had been concluded, I received another Mortgage Assistance Packet mailed XX/XX/year>. When I later contacted the bank, I was told this mailing was automated and that no further review would occur. I am requesting clarification regarding why this packet was generated and whether any additional review activity occurred. 4. Because of the foreclosure proceedings, I have now been advised by legal counsel that I may need to pursue XXXX XXXX bankruptcy in an effort to stop the foreclosure sale. This is a significant step that I had hoped to avoid after years of attempting to work with U.S. Bank through the loss mitigation process. I respectfully request that the CFPB review these new developments and determine whether U.S. Bank properly handled my loss mitigation review and communications during this period. Thank you again for your assistance and for forwarding this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
So on the XX/XX/year> I noticed a balance when they closed my account for them putting in negative on some disputes ally bank had refunded then they took it back and put in negative and XXXX of XXXX they refunded it me then closed my account I am not able to get any information I need a specialist I just want to know when my money will be mailed out of {$2000.00} this is ridiculous they've given me run around very unprofessional i get a letter XXXX of XXXX suspicious activity what activity!!! I cant get in my account im tired of them this was a main account I used to where im in debt now they treat like a criminal when u dispute something and I didn't finish disputeing the rest of transactions of the way the treated me so im at loss on alot of money with ally bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Hello, I canceled my service with XXXX XXXX XXXX, dates are shown in email screenshot. I was still being charged despite canceling with them and I returned the equipment too. A year later ( now ) I am being charged {$300.00} by IC Systems and it had an impact on my credit score. I never got a call or email from " IC Systems '' or was ever notified about this collection until I found the credit report. I really do not want to pay something I shouldn't have to when I canceled my account with them and returned their equipment. I believe was not provided with evidence or accurate information. In the screenshots provided you can see ic systems has never appeared in my emails, there are screenshots of proof of my account no longer active and even a return confirmation. I even warned that I'd file a complaint last year and attempted to resolve this issue with XXXX first. This is not the first time XXXX has done this as I've seen through XXXX posts of customers going through the exact same situation. 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 2026-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Neighborhood Capital Funding, Inc.
State: NC

Complaint narrative:
I left the house in a divorce. I was told by XXXX XXXX XXXX and XXXX XXXX to do a quitclaim deed and pay for it. They would take me off the loan. It still shows up on my credit report as me not paying it. I have proof

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 2026-07-02 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: CA

Complaint narrative:
There were 6 purchases made with my Citibank debit card that I did not make. They happened in a state/city that I've never been to and I know no one in. Citibank told me that : Based on the information that you provided and the results of out research, we are unable to honor your request for reimbursement. Our decision is based on the following : - You informed us that your Citibank debit card has not left your possession. - Both your Citibank debit card and PIN were required to perform the transactions. I have already appealed this decision once with Citibank.

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 2026-07-02 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: CA

Complaint narrative:
Wells Fargo charged me {$1400.00} in overdraft fees between XXXX and XXXX. 38 of these fees were debit card fees. Under the XX/XX/XXXX CFPB Consent Order, Wells Fargo was ordered to remediate improper surprise overdraft fees. Wells Fargo closed my account on XX/XX/XXXX, with a disputed balance of {$210.00} which consist of predatory overdraft fees, they reported the charge off to XXXX XXXX XXXX, since then I have been denied a checking account with most recently XXXX. Wells Fargo has admitted to charging improper fees, on XX/XX/XXXX I called their remediation department and they confirmed they are mailing me a {$100.00} check which I received on XX/XX/XXXX to refund the exact " overdraft fees charged off '' amount shown on my XX/XX/XXXX final statement. This proves the bank closed my account based on illegal, predatory fees. While they refunded {$100.00}, they have refused to address the other {$1200.00} in disputed fees from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citi Bank restricted my account, stating that it was due to unusual activity. I immediately called customer service, and they instructed me to visit my nearest branch with my identification. I went to the branch with my valid ID card, but the employees told me they could not verify my identity in person. Instead, they said I had to wait for a verification code to be mailed to me before my account could be restored. I have been waiting for this code since then, but I have not received it. I do not understand why Citi Bank could not verify my identity in person when I appeared at the branch with my valid identification. During this time, I have received other letters from Citi Bank about unrelated matters, but I still have not received the verification code needed to restore access to my account. Every time I call customer service, I am told that I must continue waiting for the code to arrive by mail. This delay has caused me significant hardship because I need access to the money in my account to pay for my essential expenses. I am XXXX XXXX XXXX and XXXX, and I urgently need access to my funds so I can pick up my medications, including my XXXX. Without access to my account, I am unable to obtain the medication I need for my health. I am requesting that the CFPB investigate this matter and help Citi Bank restore access to my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: GA

Complaint narrative:
I am requesting that this account be investigated for inaccurate and incomplete reporting. The company failed to provide documentation showing the actual date the account was closed. Instead, they only submitted documents related to the original contract from XXXX. The account is being reported as having been closed in XXXX, yet they have not provided any evidence to support that reporting or account termination. In addition, this is a third-party company, and they have not provided documentation demonstrating that they have the legal right to collect, own, or report this alleged debt. They have failed to produce any assignment, bill of sale, transfer agreement, or other evidence establishing that the account was legally transferred to them. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be complete, accurate, and verifiable. Because the company has not provided documentation verifying the reported account closure date or its legal authority to report this account, I dispute the accuracy of this tradeline. I respectfully request that the Consumer Financial Protection Bureau require the company to provide competent evidence supporting its reporting. If the company can not produce documentation verifying the account closure date and its legal ownership or authority to report the account, I request that the inaccurate tradeline be removed from my consumer credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation