vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Urgent Complaint Stop Principal Withdrawals and Correct Payment Application ( Wells Fargo Account # XXXX ). Dear Consumer Financial Protection Bureau, I am filing a complaint regarding Wells Fargo Bank and my Business Line of Credit Account # XXXX. Wells Fargo is currently withdrawing both principal and interest from my account, which is causing my account to go negative and resulting in overdraft fees and severe financial hardship. I respectfully request urgent intervention to resolve this issue. I request that Wells Fargo immediately stop withdrawing principal amounts from my account. Until this matter is fully resolved, or until XX/XX/2026 ( whichever comes first ), Wells Fargo should be instructed to only withdraw interest payments and suspend all principal withdrawals. These ongoing withdrawals are causing repeated overdrafts and additional fees that I can not afford. I request immediate corrective action to prevent further financial harm and to ensure proper handling of my account during the investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY 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 non-monetary relief
Consumer complaint received 2026-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a follow up to complaint XXXX. I have submitted all necessary documentation and received an email that the company mailed me a response and that the complaint is now closed. I never received anything from Bank of America. In addition, I have called the number listed in the email and left XXXX voicemails, all of which have gone unanswered. Considering this complaint was in regards to a ghost account/fraud and a huge data breach of my personal information I can only assume the response was mailed to the other XXXX XXXX . I have had enough of this and their silly games. I am moving forward with my lawsuit and will reach out to media for the whistleblower investigation.

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 2026-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in question : XXXX XXXX XXXX Bal. {$2600.00} XXXX XXXX BANK XXXX Bal. {$590.00} XXXX XXXX XXXXXXXX XXXX Bal. {$510.00} XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Formal Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Predatory Fee-Harvesting and Failure to Respond to Dispute I am filing a formal complaint against XXXX XXXX XXXX and its issuer, XXXX XXXX XXXX XXXX , for unfair, deceptive, and abusive practices ( UDAAP ) under the Dodd-Frank Act, violations of the Credit CARD Act of XXXX, and complete failure to respond to a formal billing dispute submitted over 14 business days ago. This account carries a predatory fee structure specifically designed to evade federal consumer protection thresholds. While the first-year fee was capped at {$120.00} to hover exactly at the 25 % threshold mandated by the Credit CARD Act of XXXX on my $ XXXX limit, the subsequent year stacked a {$49.00} annual fee with a {$180.00} annual maintenance fee ( $ XXXX ), resulting in an exploitative fee-to-credit ratio. Upon attempting to resolve this, the company unilaterally closed my card to new purchases while explicitly stating they would continue to compile 36.00 % APR interest and monthly fees on the remaining balance. On XX/XX/XXXX, I made a good-faith payment of {$220.00} to fully satisfy and pay off every single XXXX of actual cash principal I utilized on this card. The remaining balance consists strictly of predatory junk fees and inflated interest. I submitted a formal written dispute immediately following my payment demanding a fee waiver and correct credit bureau reporting. The company has completely ignored my correspondence for over two weeks, allowing interest to continuously accrue on an account they closed. Furthermore, my husband is an active-duty member of the XXXX XXXX . Under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937, credit obligations incurred prior to XXXX XXXX are strictly capped at a maximum of 6 % interest. The SCRA explicitly mandates that " interest '' includes all service charges, renewal fees, or other fees. XXXX XXXX 36.00 % interest rate and $ 15 monthly maintenance fees directly violate federal military protections. Remedy Requested : 1. Complete waiver and zeroing out of the entire remaining fee balance. 2. Immediate application of SCRA protections retroactively to my husband 's active-duty entry date, recalculating and refunding any excess fees/interest. 3. Reporting the account to all credit bureaus as " Closed at Consumer 's Request - PAID IN FULL '' with a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was on an XXXX XXXX flight where I was offered an XXXX XXXX XXXX Citibank XXXX credit card on an inflight promotional offer that had 12 months 0 % APR interest on purchases and balance transfers. Based on the 0 % APR offer I applied for the credit card and began using it. At the beginning of XXXX got charged no interest, XXXX also no interest but at the beginning of XXXX I got charged interest when I checked the citibank statements. At that point I called them to inquire about why am I getting charged interest when this is supposed to be 0 % interest on purchases for 12 months. They told me to send them the flyer the flight attendant gave me on the plane but that was in XXXX and I do not have that flyer anymore because I did not expect the bank to not honor what was offered. This is the first time I am experiencing 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 explanation
Consumer complaint received 2026-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Formally dispute certain accounts currently appearing on my consumer report. I never provided written authorization permitting any of these accounts to be reported or verified through my credit file. Under 15 USC 1681b, you are required to have a permissible purpose before reporting any information. I am asking you to establish that purpose with documentation, not a system confirmation.

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 2026-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive been calling since the end of XXXX to get a replacement credit card. When I call, the automated voice tells me that my account is closed and I have a balance. When I speak to a representative, I am told that the account is not closed and that they will send an expedited card to me. This all seemed to start after having my credit card locked for a week or so to limit my spending, but then i was unable to unlock it, so i called Bank of America and have been having this issue ever since, and unfortunately I am not given the option to order a new credit card. I have been told that I would receive a tracking number on 2 occasions but never received anything. I was scared about ordering a replacement debit card due to this, but I decided to go for it and I received an email, tracking number and estimated delivery date.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Sunrise Credit Services never contacted me with a right to dispute. The collection agency never notified me by mail. Instead, they just began reporting their company name and account number with the credit bureaus. I had to find out about the collection agency through a credit monitoring alert that showed me a collection agency had accessed my credit file and added themselves onto my credit report. This is unacceptable. This is a violation of my consumer rights under the FDCPA and 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 2026-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I checked my credit report and this company, as of XX/XX/XXXX, has been paid and settled, closed with no further charges or accounts. There is no reason in XX/XX/XXXX, XXXX should be requesting my credit file as I have no attempted to open a new credit card with 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 2026-06-22 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: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I have a XXXX XXXX XXXX XXXX card that had been serviced by First National Bank of Omaha. The card switched banks to XXXX XXXX. I had bill pay set up through XXXX XXXX XXXX and made a payment of the full balance due ( {$660.00} ) on XX/XX/year>. After this date I had received an email from XXXX that my payment was late. I looked back and saw that I had received confirmation the payment went through but realized it had gone to First Bank of Omaha since I hadnt updated the payor. I have talked to both banks multiple times as has my credit unions bill pay service and we are getting nowhere. Additionally when I called Synchrony on XX/XX/XXXX I was told by the rep that in order to not be delinquent on my payment I should make another payment to them since the previous one had gone to First Bank of Omaha so now Ive paid the same bill twice. Id like this resolved and a refund of the duplicate payment ASAP.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
THIS IS NOT A DUPLICATE SUBMISSION! Regions is withholding evidence/document spoofing ( XXXX XXXX ( d ) ( XXXX ) : The bank explicitly broke the law by sending back only the documents that I provided. Under the law, the bank is strictly required to provide the actual document they relied upon to make a determination. If they do not possess it, they can not legally use it as a basis for denial. The banks response is a bad faith distortion. In response to my document request Regions provided only the documents I originally submitted. They have willfully suppressed the third-party company documentation they claimed to have relied upon to issue XXXX separate conflicting denials.

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 2026-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
I received an email from the apartment complex saying I had a {$0.00} balance. Then they added a false collection to my account, I contacted the company and sent the email they sent me saying I did not owe and they still didnt remove the collection.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Unprofitable Account Usage : Users on XXXX report a consensus that Synchrony often closes accounts for " transactors '' who consistently pay balances in full and do not generate interest for the bank. and then i talked to XXXX employees,,,,,, XXXX employees told me that synchrony wanted me to max out the XXXX dollar credit limit and force me to pay monthly payments so that synchrony can collect 33 % ENTEREST RATE and since i did not do this,,, they closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-22 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:
Subject : Urgent Fraud Report Impersonation Scam Cashiers Check {$9200.00} Request for Reimbursement * On Wednesday, XX/XX/year>, around XXXX PM, I received a call from someone claiming to be FBI Agent XXXX XXXX. He used urgency and fear, stating my Wells Fargo account had fraudulent activity. He referenced a {$700.00} XXXX XXXX charge in Florida and a failed {$5000.00} withdrawal attempt in my name. He asked about specific transactions. Some he named were legitimate, which made me believe he already had account access. He claimed Wells Fargo was under investigation and that my funds were at risk. He said he was moving my money to protect it and that XXXX other customers were being helped the same way. He instructed me to go immediately to my nearest Wells Fargo branch, not tell the teller he was on the phone, and swear to comply. During the call, my online banking password was changed and my debit card was turned off, which convinced me the caller had official control. Under duress, I followed instructions. I withdrew a {$9200.00} cashiers check because he insisted that was the amount needed for the test, even though my balance was closer to {$8000.00}. He said it was not a real transaction because it was going to a fake account for verification. He directed me to make the cashiers check payable to XXXX XXXX. At the Wells Fargo XXXX, I was visibly nervous and went in and out multiple times to stay on the phone. The teller processed the {$9200.00} cashiers check to XXXX XXXX but did not ask if I knew the payee, the purpose of funds, or question my behavior. Given the scammers claim that Wells Fargo was under investigation, the lack of questions reinforced my false belief this was legitimate. Hours later I realized this was a scam. My life savings were drained. I have banked with Wells Fargo for XXXX years and have never withdrawn this amount or sent funds to an unknown individual. * Why I am requesting reimbursement : * XXXX. * Social engineering + account takeover * : The scammer demonstrated access to my account before I provided info. My password was changed and card XXXX during the call, indicating compromise beyond my control. XXXX. * Failure of reasonable safeguards * : The transaction was highly out of pattern for a XXXX customer. I displayed clear distress signals at the branch. No enhanced verification, questions about the payee, or supervisory review occurred before issuing a cashiers check to a third party. This is inconsistent with XXXX XXXX duty to prevent elder/vulnerable customer fraud and to question unusual cashiers check requests. XXXX. * Impersonation of federal agent + duress * : I acted under fear and explicit instructions not to disclose the call, which prevented me from getting help at the branch.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Account 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

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 2026-06-22 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: OR

Complaint narrative:
I am filing a complaint because Bank of America has completely blocked me from reporting a Regulation E error involving a missing electronic funds transfer.XXXX shows my instant transfer as Completed, which means the funds left XXXX and were accepted by the card network. Despite this, Bank of America claims nothing came through and refuses to acknowledge or investigate the missing transfer.I attempted to report this error in person at a branch. Instead of taking the report, the employee told me to call fraud, refused to assist further, and then asked me to leave the branch. The fraud department does not answer, and there is no way to reach a specialist.I also attempted to file the dispute through the Bank of America app, but the system will not allow me to report the error because no transaction appears which is the exact issue I am trying to report.Under Regulation E ( 12 CFR 1005.11 ), the bank is required to accept an error report even when the transaction is missing, and they must open an investigation. Bank of America has refused to accept the report through every available channel, leaving me with no way to exercise my rights under federal law.I am requesting that Bank of America be required to : Accept my Regulation E error report Open a formal investigation into the missing transfer Provide a case number Provide a written explanation for why the branch refused to take the report Explain why I was denied access to fraud specialistsI have made multiple attempts to resolve this, and Bank of America has effectively shut down every path to reporting the error. I need CFPB intervention to compel the bank to comply with Regulation E and investigate the missing 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 2026-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a claim with the claims department on a purchase of a used car for {$11000.00} which was charged to my debit card by the terminated license car dealer XXXX XXXX XXXX on separate amounts in XX/XX/XXXX which are shown in the attached documents. When the car did not run I returned it to the dealer and asked for a refund. When they did not return the car I discovered they sold the car to me under a terminated business license for the company title XXXX XXXX XXXX. I showed the bank the terminated business license listing on the XXXX Secretary of State website which immediately negates the sale as illegal when seeing the invoice showing that name after the date of the company termination. I told them I did not possess the car and wanted to refund the purchase as car also didnt run. They denied my claim on XX/XX/XXXX and closed my account on the same day, indicating that my making the claim against the fraud was their reason for closing my account as the victim of the fraud. I proceeded to litigate against the company in court. Their bond company issued me a refund on the car purchase recently. When I showed the refund by the bond company to the claims department via email they also did not respond. The claim # is claims XXXX appeal. Their email is XXXX. XXXX looking into litigation against the bank for closing my account for fighting a fraudulent charge by a terminated business. California vehicle code XXXX orders car dealers with terminated business licenses to stop doing business with the public. They violated that law and sold me a lemon car. I am still in court with the car dealer for punitive damages. They have a license under a different name but do not advertise that name to the public when selling the car because no one would by cars from a car dealer called XXXX XXXX XXXX so they are engaging in fraud convincing the customer their business name is still XXXX XXXX XXXX. I had significant balances with this bank during the XXXX years it was opened. Apparently they didnt like making money on 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 non-monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: MO

Complaint narrative:
The information on my credit report is not correct I no longer owe them but its stated that I owe them over {$1000.00} on my credit report it would be very appreciated if the information reported was corrected

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation