vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im a single parent here in XXXX XXXX I get my benefits and child support money thru XXXX card so I have to cash money to pay rent. Every month I go to the same Wells Fargo branch same atm machine and cash {$1000.00} every time. This time the machine misdispense the money ( I wasnt able to grab the funds from the atm machine ) so the machine malfunctioned. They have videos and machine log, cameras and obviously I wasnt able to take the cash but my bank intuition charged me the {$1000.00}. My landlord been waiting for the money Im about to get evicted because of this situation

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 2026-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year> three fraudulent transactions posted on my account. {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$4200.00} XXXX XXXX XXXX XXXX and {$7000.00} XXXX XXXX XXXX. These XXXX fraud transactions maxed out my credit card. I disputed the three charges with Bank of America on XX/XX/year> ( same day ) and I thought it was taken care of. On XX/XX/year> I received a letter from Bank of America showing that they took the smallest transaction off of {$200.00} by charged the other two larger transactions bank on my account. I called the Bank of America on XX/XX/year> when they opened and I asked the agent why would they take one fraudulent transaction off and not the other twoXXXX Then I asked for them to re-open my fraud claim and to send me any information they have about the investigation they were supposed to do. The agent said he would re open my claim. Since then I have sent a certified letter and four faxes to Bank of America asking for information regarding my fraud claim with no 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 monetary relief
Consumer complaint received 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am filing this complaint because ChexSystems is reporting inaccurate information about me, and it has prevented me from opening a bank account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, consumer reporting agencies are required to maintain maximum possible accuracy and conduct a reasonable investigation of disputed information. Because the information being reported is inaccurate, I request its immediate deletion from my ChexSystems consumer report. I also request that ChexSystems provide me with an updated consumer report reflecting the deletion. The inaccurate reporting has caused financial hardship by limiting my access to basic banking services, and I expect this matter to be resolved promptly in accordance with the FCRA.

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
XXXX XX/XX/year> I deposited cash into my MoneyLion account so I could pay my rent. I attempted to pay my rent at my landlords bank, where they swipe my debit card and deposit it into their account. The detailer explained to me that the card was declined because I did not have the available credit limit, which was confusing because the amount of {$1200.00} was in my account. I then attempted to withdraw the money from the ATM in the bank lobby to which after XXXX transaction of {$400.00} XXXX suspended my account they did not reach out to me to explain why my account was suspended. I had to call their customer service after being on the phone for XXXX minutes. They finally explained to me that my account was suspended and I needed to provide identification and documents to reopen my account. They will not allow me to access the remaining {$900.00} in my account until that was provided this issue is causing me to be late on my rent payment for this month. I have also tried to change my address on their platform but the online banking would not allow me to change my address.

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 2026-07-03 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: Experian Information Solutions 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 2026-07-03 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: Experian Information Solutions Inc.
State: FL

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 2026-07-03 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: AL

Complaint narrative:
XXXXI 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 XXXX business days: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese 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 XXXX days, I will pursue legal action. If you contact creditors before blocking, I will pursue legal action. If you misclassify this as a XXXX-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 2026-07-03 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: TN

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 2026-07-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am submitting this complaint regarding my experience with Bank of America and the repeated delays I encountered while attempting to complete my business banking process. Throughout this process, I experienced numerous delays that significantly prolonged the approval and verification of my account. I was repeatedly directed from one representative to another, often receiving inconsistent or incomplete information regarding the steps required to move forward. In several instances, I was not provided with the appropriate follow-up emails or instructions needed to complete the requested actions, resulting in additional delays and unnecessary obstacles. In addition, I am experiencing ongoing issues with the online verification process. When attempting to verify my email address through the Bank of America online banking system, I did not receive the verification emails necessary to complete the process, despite multiple attempts. This prevented me from accessing important account features and further delayed my ability to manage my account. I also encountered an issue at with Bank of America where a bank teller name XXXX XXXX entered my telephone number incorrectly into my account profile. Because the incorrect phone number was on file, I was unable to receive authentication codes and other account-related communications, creating additional delays in verifying my identity and accessing my account. Correcting this error required additional time and multiple contacts with the bank. As a result of these repeated issues, what should have been a straightforward account approval and verification process became unnecessarily prolonged and burdensome. I invested considerable time attempting to resolve problems that were caused by inaccurate account information, inconsistent guidance, and failures in the verification process. I respectfully request that Bank of America review this matter, investigate the handling of my account, and address the procedural issues that contributed to these delays. I also request that appropriate steps be taken to improve communication and verification procedures so that other customers do not experience similar difficulties.

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 2026-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
I opened a new account with XXXX and cancelled the service within the cancellation period. I was told that I did not owe anything. At first I was contacted repeatedly by a debt collector saying that I owed over {$700.00}. After making a complaint with the CFPB they ceased all calls and contact. But now I am being contacted repeatedly through email through text message and calls by dasi.net. Diversified adjustment services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 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: NC

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

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 2026-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
My mortgage servicer is failing to process my authorized ACH payments in a timely manner. They wait two full weeks to pull the funds from my checking account after the scheduled draft date, creating severe overdraft risks and making financial budgeting impossible. I want them to process payments within standard 1-2 business day ACH settlement timelines.

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 2026-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
While looking at my credit card statement, I noticed a fee that was being charged aside from interest. When I looked into the fee, it was a Debt Protection Fee. I called the debt protection company to explain I never agreed to this. I would have never chose this as I do not need it and have never agreed to extra fees or warranties on any of my purchases or products. It was explained to me that I would have agreed with I opened the credit card. Well that was in XXXX. I have been charged this fee for almost 20 years and was not aware. I take responsibility for not noticing prior. I have never used the card for much in the past so I did not notice, but recently I have been using the account to help alleviate debt due to balance transfer offers, so I have been looking closely at statements. All I requested was for it to be canceled and be reimbursed the {$280.00} I have been charged for it so far this year. They canceled the protection, but will not reimburse me anything. I spoke with them on Tuesday XX/XX/XXXX. They have made {$1000.00} 's from me over 20 years for something I did not specifically agree to 20 years ago. I have done research online and see this is a theme for many people who were not aware of agreeing to this fee as well with the Best Buy credit card. It is fraudulent and sneaky. It is unfortunate for a company who I have used for 20 years and been a loyal and on time payer of my credit 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 explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Our Truist Bank business account was enabled for wire transfer functionality under my husband 's business account without our authorization or consent. We did not request this feature, nor did we execute any agreement expressly enabling outgoing wire transfers. Unauthorized access and transaction dates. On XX/XX/2026 and again on XX/XX/2026, unknown individuals ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ) gained unauthorized access to our online banking. Both our business and linked personal accounts were impacted. Multiple outgoing wire transfers were initiated without our knowledge or approval on those dates to various banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers happened across XXXX accounts that we have and ONLY one was returned fully and XXXX others were partial returns. The items highlighted in yellow on the bank statements are the items we need returned, in the attachments are the items that we need returned. Each attached item has the amount we need returned in the subject line, as well. Truist Bank closed the disputes and told us that the banks were unable to return the fund ; therefore there was nothing for them them to do to retrieve the {$170.00}, 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 2026-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I previously filed a CFPB complaint regarding this account after Barclays reported my account as delinquent even though my online account reflected that my payment had been made. During its investigation, Barclays issued a written response stating that it would remove the late payment history for XX/XX/XXXX through XX/XX/XXXX, waive {$210.00} in finance charges, and restore my credit limit. Barclays also stated that I should allow up to XXXX days for the credit reporting correction to appear. More than XXXX days have now passed. The XXXX late payment is still being reported on my credit report. Barclays has not provided confirmation that the correction was transmitted to the credit reporting agencies, and I have not been provided documentation showing the {$210.00} finance charge adjustment because I no longer have access to the closed account statements. This complaint is not about the original dispute. Barclays already agreed in writing to correct the reporting. This complaint is because Barclays has not completed, or has not demonstrated that it completed, the corrective actions it promised in its CFPB response. I am requesting that Barclays immediately complete the agreed-upon credit reporting correction, provide written confirmation of the date the correction was sent to each credit reporting agency, provide documentation of the {$210.00} finance charge adjustment, and ensure that all credit reporting accurately reflects the agreed resolution

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 2026-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo has placed an incorrect fraud lock on my Online Banking Advanced Access profile, completely blocking digital wallet services. I visited a physical branch yesterday, scanned my photo ID with a banker, and confirmed my mobile phone number. Despite full physical identity verification, Wells Fargo 's automated systems are frozen and customer support refuses to manually clear the technical block. They are restricting my ability to manage my account features.

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 2026-07-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing regarding a bank levy placed on my Bank of America account. I timely filed a Claim of Exemption, and the XXXX XXXX XXXX XXXX Department determined that my claim was granted. The sheriff has advised me that the levy should be released. However, my funds have not been returned. Bank of America has informed me that a check was mailed to the XXXX XXXX XXXX XXXX Department. The XXXX XXXX XXXX has informed me that it has not received any payment from Bank of America related to this levy. As a result, my exempt funds remain unavailable. I have requested documentation showing that the funds were sent, including the check number, mailing date, amount, payee, and the status of the check. Bank of America has refused to provide this 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