vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 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 writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must 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 2026-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is refusing to grant me an Individualized Review Process ( IRP ) regarding my North Carolina pandemic unemployment funds, which is a direct violation of the CFPB Consent Order entered against Bank of America on XX/XX/year>. They have also refused to honor a payment check related to this enforcement case

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 2026-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I signed the official closing documents for my VA IRRRL streamline refinance on XXXX, XX/XX/year>. The following day, XX/XX/XXXX, the lender halted the funding process due to an escrow shortage. This shortage arose after the lender issued a {$1800.00} escrow payment to a homeowners insurance company while our property was already continuously insured under another policy. We were not aware that duplicate insurance had been placed until we contacted the insurance companies ourselves to investigate the issue. As a result, the escrow payment created a shortage that delayed our funding over the holiday weekend. To resolve the issue in good faith and prevent further delays, we paid {$1800.00} out of our own pocket directly into the lenders system on XXXX, XX/XX/year>, to eliminate the shortage and allow the refinance to proceed. Beginning at approximately XXXX a.m. on XX/XX/XXXX, we made repeated phone calls requesting an emergency supervisor escalation and updates regarding our loan. We were repeatedly told that supervisors would return our calls, but we did not receive the promised callbacks that day. On the morning of XX/XX/year>, we finally reached a Team Lead, who acknowledged that she had been aware of our situation the previous day. Despite our payment bringing the account current, our refinance has still not been funded. Instead, we have continued to experience additional delays, repeated requests for information, and questions about whether we wished to proceed with the loan, despite having already signed our closing documents and paid the requested funds. As a military veteran family, we have signed all required closing documents, paid our own funds to resolve the escrow shortage, and complied with every request made by the lender. We are concerned that our loan continues to be delayed despite our efforts to resolve the issue promptly.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> deposited a check for {$28000.00} at Wells Fargo Bank ATM. Wells Fargo Bank put a hold on check saying funds wont be available until XX/XX/year>. Wells Fargo is saying check may not be paid. Check deposited is a legitimate check from pension plan. Checking account is overdrawn Wells Fargo is declining transactions that need to be paid. Wells Frago has charged insufficient funds fees.

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 2026-07-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: I.C. System, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several items that appear on my Experian, Equifax and TransUnion credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable investigation into the accuracy and completeness of the following accounts. I am requesting that each item be verified directly with the furnisher. If any information can not be fully verified, I respectfully request that it be deleted from my credit file. The accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$1800.00} Status : Potentially Negative Collection Accounts I.C. System, Inc. Original Creditor : XXXXXXXX XXXX Reported Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Reported Balance : {$1400.00} Hard Inquiry SEEN Finance/QB Inquiry Date : XX/XX/year> I do not believe these items are being reported accurately and request that you provide documentation verifying : The original signed agreement bearing my signature. The complete payment history. Documentation establishing your authority to report this information. Documentation supporting the accuracy of the balances and dates being reported. For the hard inquiry, documentation showing that I authorized or initiated the credit inquiry. If you are unable to provide sufficient verification as required by the FCRA, I request that these items be permanently removed from my credit report. Please send me written confirmation of the results of your investigation, along with an updated copy of my credit report reflecting any corrections or deletions. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required under the Fair Credit Reporting Act. 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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am filing a formal complaint against Synchrony Bank regarding my CareCredit account. I experienced a one-time payment oversight due to an unexpected health management issue, marking my very first missed payment in my entire history with this institution. As soon as I became aware of the issue, I immediately brought the account balance current. I contacted customer service to request a one-time goodwill removal of the 30-day late reporting mark under standard corporate accommodation rules. Frontline agents stated they were unable to assist. Because this is a singular, isolated incident on an otherwise flawless account history, I am formally requesting that a Synchrony corporate compliance officer review this file and submit an electronic " Automated Universal Data '' ( AUD ) deletion form to the major credit bureaus to wipe the 30-day late notation.

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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I request that the loan is investigated due to the XXXX % interest rates that can not be legal. It is a never ending cycle of payments.

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 2026-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: WA

Complaint narrative:
MoneyLion Technologies Inc. has been withdrawing money from my bank account without my authorization. I have been charged XXXX withdrawals of {$43.00} and XXXX withdrawals of {$9.00}, totaling {$200.00}. These charges occur irregularly, approximately twice per month, with no explanation or pattern. I have never applied for a loan, never received a loan, never signed any agreement, and never authorized MoneyLion to access my bank account. Despite this, they continue to debit my card with no communication, no documentation, and no consent. There is no loan, no contract, and no legitimate reason for these charges. Their actions appear deceptive and fraudulent, and they are accessing my funds without permission. I am requesting : A full refund of all unauthorized withdrawals ( {$200.00} total ). Immediate closure of any account MoneyLion may have created in my name without consent. A stop to all future withdrawals. An investigation into how MoneyLion obtained my banking information without authorization. These unauthorized debits have caused financial hardship, stress, and fear of continued withdrawals. I am requesting urgent 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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint because I believe Wells Fargo has handled my account unfairly and has failed to provide me with a clear explanation for its actions. I have a Wells Fargo checking account and a XXXX checking account. I sent multiple XXXX transfers from my XXXX account to my Wells Fargo account. Both accounts belong to me, and I personally authorized every transfer. I never disputed any of these transactions or reported them as unauthorized. Despite that, Wells Fargo sent me a letter stating that my accounts were being closed because of one or more money transfers that were reported as unauthorized. I do not know what transfers they are referring to because I never reported any transfer as unauthorized, and Wells Fargo has not explained this to me. During this process, Wells Fargo froze my account and removed my access to my funds. At one point, my account access was restored, but I later received another notice stating that my account would be closed. I also received a notification stating that I had requested to have my XXXX access removed. I never made that request. I recently went to a Wells Fargo branch to withdraw money from my account. The teller informed me that there was a block on my account and could not process my withdrawal. I was only able to access my own money by using an ATM. No one at the branch could explain why the block existed or why I was unable to withdraw my money through the teller. I have repeatedly sought an explanation from Wells Fargo, but I have not been given a satisfactory answer regarding why my transfers were considered unauthorized, why my account was blocked, or why my XXXX access was removed without my request. I am requesting that the CFPB investigate this matter and require Wells Fargo to provide a complete written explanation of : 1. Which transfer or transfers were allegedly reported as unauthorized. 2. Who reported those transfers as unauthorized. 3. Why my account was frozen and later closed. 4. Why my XXXX access was removed when I never requested it. 5. Whether any inaccurate fraud or risk information has been placed on my banking record. I also request that Wells Fargo correct any inaccurate information related to my account and explain whether its actions complied with applicable consumer banking laws and its own policies. This situation has caused significant stress, inconvenience, and financial hardship because I was unable to freely access my own funds or receive clear information from my 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 non-monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint against Freedom Mortgage regarding the servicing and handling of my mortgage loan, specifically related to an assumable mortgage transfer. We have been under contract since XX/XX/year>, and Freedom Mortgage has been delaying the loan servicing process for the assumable mortgage transfer. We have had to re-sign the same documents more than XXXX times, and the loan could have already been in underwriting by now. However, the loan processor keeps stating that the buyer needs to send more documents. When we ask the buyer, they say they have already sent the documents and that the processor has not sent them anything else to sign. For example, the buyer signed a disclosure on XX/XX/year>, but the processor did not send us the document to sign until XXXX days later. My concern is that Freedom Mortgage has failed to properly handle and communicate important servicing matters related to my loan. I have made multiple attempts to get clear answers, but I continue to receive delays, conflicting information, and a lack of proper follow-up. The issue involves the handling of my loan servicing, including communication, document processing, and the timeline for resolving the matter. We would like the loan to move into underwriting so we can receive an estimated closing date. Ideally, we would prefer to close sometime between late XXXX and early XXXX. We are asking Freedom Mortgage to speed up the process and provide clearer communication. We have a newborn child on the way, and these delays are creating unnecessary stress. We also asked the loan processor for an estimated closing date or time frame, but they said it was too early to tell. I am requesting that Freedom Mortgage provide a written explanation of the current status of my loan, confirm what documents or steps are still needed, explain the reason for any delays, and correct any servicing errors on the account. I am also requesting that the regulator review XXXX Mortgages handling of this matter because the delays and lack of clear communication have caused unnecessary stress and have affected my ability to properly manage the loan and related transaction.

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 2026-07-07 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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a small business checking account with Truist on XX/XX/XXXX and made a mobile deposit of {$1900.00} the same day. On XX/XX/XXXX I tried to log into online banking to check if it cleared and I was locked out for security reasons. I called the number listed and I was told my account was locked due to potential fraud and it was being investigated and funds would be released on XX/XX/XXXX. I called back on XX/XX/XXXX to see why my account was still locked and I was told the account was closed due to the results on the internal investigation and they will not be releasing the funds. l was told by the check issuer that the funds were deposited and cleared from their bank XXXX on XX/XX/XXXX but Truist will not release the funds to me and XXXX the escalation supervisor me on XX/XX/XXXX that the funds are being held in a recovery account in case claims are made against the funds but they can not release them to me or the issuer of the check nor can they tell me why or what the results of the investigation were just that they are holding it due to the validity of the 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 explanation
Consumer complaint received 2026-07-07 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: WI

Complaint narrative:
I made an in-store purchase at XXXX on XX/XX/year> at XXXX for a total of {$140.00}. I used the self checkout and attempted to pay with my Citi credit card via the XXXX wallet. The kiosk timed out, and the payment did not go through. I then re-attempted to make the payment, this time using the same Citi credit card via XXXX XXXX. The payment processed and I left the store. A couple days later, I noticed that Citi Bank had charged me twice for the purchase. I checked my XXXX transaction log and confirmed that only XXXX transaction was displayed on their end. I filed a duplicate charge dispute with Citi and was denied, with the stated reasoning being that they were unable to collect from the merchant ( XXXX ). I called XXXX, and XXXX confirmed that they only have XXXX transaction on their financial records, and this is clearly an invalid duplicate charge on Citi 's end. I called Citi and the representative said that they would update my dispute so that it would be taken care of. However, I was recently notified by Citi via mail that the dispute had been denied again, with a similar explanation as before. I called Citi again to get this resolved, and the representative said that it is clearly a duplicate charge, however the investigation " did not come up in my favor '' and so therefore I would be responsible for the duplicate charge. They did offer to give me a credit of ~ {$110.00} ( approximately 75 % of the amount being disputed ) as a consolation prize, which I rejected because I am owed my full amount of {$140.00}. I am asking for CFPB to escalate this issue, because this is clearly an invalid duplicate charge and Citi Bank is trying to effectively steal {$140.00} from its customer. I am not convinced Citi has done any real " investigative '' work to remedy this situation, because in XXXX minutes of chatting with XXXX I was able to confirm that Citi improperly charged me twice for the same purchase, and XXXX 's financial records accurately show a single transaction. I have also talked with friends and family who have described similar experiences with Citi Bank, which suggests they have a tendency to do this to their customers. Attached are the XXXX receipt from the transaction in question, a screenshot of my XXXX transaction log showing a single transaction for {$140.00} on XX/XX/year>, a screenshot from my Citi transaction log showing XXXX charges for {$140.00} on my bank account, and the dispute resolution letter from Citi Bank saying that they will not correct this issue.

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 2026-07-07 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: NJ

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is wrongfully freezing my funds due to an internal system glitch. A hotel final charge posted yesterday, but the bank refused to drop the original {$940.00} authorization hold. This has forced my account into an artificial - {$860.00} overdraft. When I contacted chat support with a final receipt proving the stay was settled, the representative acknowledged the hold is stuck until XX/XX/XXXX but refused to manually release it and disconnected the chat session. This internal processing lag has completely cut off my access to my money.

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