vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/year>, I canceled XXXX and all scheduled future automatic payments for my U.S. Bank credit card ending in XXXX. I received email confirmations verifying that XXXX had been successfully canceled and that no future automatic payments would be processed. Despite these confirmations, U.S. Bank processed an automatic payment on XX/XX/year>. Because this automatic payment was withdrawn after XXXX had already been canceled, it resulted in a {$40.00} returned payment fee being charged to my account. After discovering the unauthorized automatic payment, I contacted U.S. Bank through both the mobile app chat and the customer service phone line. I explained that XXXX had been canceled on XX/XX/year>, and that I had email confirmations proving the cancellation occurred well before the XX/XX/XXXX payment date. The representatives I spoke with were unable to explain why the payment was processed after XXXX had been canceled. I was told the issue would be reviewed and that I would receive a response by email within several business days. As of the date of this complaint, I have not received any follow-up or resolution. I believe U.S. Bank failed to honor my XXXX cancellation request despite confirming that it had been successfully processed. As a direct result of this error, I incurred a {$40.00} returned payment fee that I would not have been charged otherwise.

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 2026-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) regarding a Citibank debt of {$730.00}. I have been actively trying to pay this debt in full since XX/XX/XXXX. XXXX assigned the debt to the law firm XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Both entities refuse to accept my payment. XXXX XXXX claims the account will not 'load ' in their system, while XXXX XXXX they can not take payment because it is assigned to the law firm. I have left numerous unreturned voicemails and emails since XX/XX/XXXX. I have also verified with my local clerk of court that no lawsuit is pending. XXXX is keeping my credit report XXXX by maintaining a negative collection tradeline while actively blocking my ability to pay and satisfy the debt. I demand that XXXX pull this account back from the law firm immediately, provide a direct point of contact to accept my {$730.00} payment, and completely delete this tradeline upon receipt of payment per their corporate policy.

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 2026-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I transferred a loan to PenFed credit union in XX/XX/year>. The payment as stated in my terms was {$250.00} and was issued via a transfer from XXXX. I was notified by PenFed that my loan was being changed to a higher rate due to not recieving a title from the transfer from XXXX Bank. I verified with XXXX it was issued at the time of payoff to them and mailed to their inbox address from their website. PenFed sent a follow up email stating they had an issue with Alabama titles and sent a hard copy for me to sign or get approved as their lien holder, this was never received. Within this time frame they " recast '' my loan to increase the rate by roughly {$4.00} dollars due to their process errors and incompetence. They had also adjusted and removed the higher rate. However, due to it being placed it " messed '' up their system and they would not return it back to the original terms. I've been dealing with this for XXXX months. It may not seem like much, but this is completely a cost placed on the consumer due to their inability to process titles and arbitrarily placing fees/fines on the consumer.

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 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AL

Complaint narrative:
XX/XX/XXXX I noticed some suspicious charges on my checking account, XXXX being hotel charges from XXXX XXXX, CA and the others being from XXXX. I dont even live near California XXXX I live in the XXXX!! XXXX away from California! The XXXX charges did go through... However, the hotel charges were from an XXXX XXXX for the totals of XXXX and XXXX. Another was XXXX, for XXXX XXXX I contacted my bank, US Bank, made a dispute and waited more than a month for a response for them to only give me back ONLY XXXX $ for the XXXX. I gave them a call and told them I didnt get all my money back and filed another dispute just for them to close it. Where is my money US 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 monetary relief
Consumer complaint received 2026-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
RE : Formal Dispute and Request for Reinvestigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) To Whom It May Concern, I am submitting this formal dispute regarding the negative records currently appearing in my ChexSystems consumer file concerning : * XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX I have carefully reviewed my consumer disclosure and have significant concerns regarding the accuracy, completeness, and legal verifiability of the information being reported. During previous disputes, I was not provided with sufficient evidence demonstrating how these records were verified or what documentation was relied upon to conclude that the reporting complies with the Fair Credit Reporting Act. I respectfully request that ChexSystems conduct a new reasonable reinvestigation as required under 15 U.S.C. 1681i instead of relying solely on automated responses or electronic confirmations. Specifically, I request : XXXX. The complete method of verification used for each disputed record. XXXX. The identity of every individual or department that verified the information. XXXX. The date and manner in which the verification occurred. XXXX. Copies of the documents relied upon to verify the reported information. XXXX. Evidence that the furnishers maintain records demonstrating the information is complete and accurate. If ChexSystems or the furnishers can not provide competent documentary evidence supporting every material aspect of these records, the FCRA requires that unverifiable information be deleted from my consumer report. Please understand that a simple statement from the furnisher claiming the information is verified does not satisfy the requirements of a reasonable reinvestigation when the underlying documentation is not produced. Should this investigation fail to comply with the requirements of the FCRA, I reserve all rights available under federal law, including filing complaints with the Consumer Financial Protection Bureau and other appropriate regulatory agencies. I expect a complete written response within the time allowed by law. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Department XXXX XXXX XXXX XXXX, Va XXXX * * Re : Request for Validation and Documentation of Alleged Debt * * * * Account Number : * * XXXX To Whom It May Concern : I dispute the alleged debt referenced above and request that you provide documentation establishing your legal right to collect and enforce this alleged obligation. Please provide the following : 1. Documentation identifying the original creditor. 2. A complete chain of assignment or transfer demonstrating that XXXX XXXX XXXX XXXX XXXX is the lawful owner of the alleged debt and has standing to pursue collection. 3. A copy of the original contract, agreement, or other evidence establishing that I am legally obligated for the alleged account. 4. A complete payment and account history, including an itemized calculation of the amount you claim is owed, showing all interest, fees, credits, and adjustments. 5. Copies of any documents you intend to rely upon in this litigation to establish your claim. This correspondence is not an acknowledgment of liability, an admission that I owe the alleged debt, or a waiver of any rights or defenses available to me. My request should not be construed as a promise to pay. Because this matter is currently the subject of litigation, I request that all future communications regarding this request be made in writing, and please stop the all day harassment calls XXXX to XXXX times a day. Thank you for your prompt attention to this matter. 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 2026-07-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I do not believe this my information last year around XXXX this popped up on my credit report. XXXX something about XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Prepaid card — Government benefit 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: CA

Complaint narrative:
I have sent written letters to appeal a denial but keep receiving the same letter saying the same exact thing!! I have provided documentation to show proof that I am a victim of identity theft, police report, etc. I just keep receiving the same letter on why they have denied my claim. I NEVER recieved any card to make any of the purchases. Under federal law, ( regulation E ) consumer liability for unauthorized electronic fund transfers only applies if the access device is an " accepted access device. '' A debit card is only considered accepted if the consumer requests it and receives it, or validates it. Because I never received or intercepted this card, it is not an accepted access device under the law

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I recently reviewed my ChexSystems consumer report and identified an account listed under XXXX Bank ( account ending in XXXX, routing number XXXX ) that I do not recognize and do not believe I authorized. At this time, I have no recollection of opening or maintaining this account, and I am requesting that it be fully investigated to determine whether it was opened or reported accurately. I am currently reviewing my consumer reports due to potential exposure of my personal information in a data breach, and I am carefully monitoring for any accounts or activity that appears unfamiliar or unauthorized. If this account is determined to be inaccurate, unauthorized, or unable to be verified as belonging to me, I request that it be corrected or removed from my ChexSystems file in accordance with applicable consumer reporting guidelines. I am submitting this statement in good faith based on the information currently available to 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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
said balance is {$6200.00}. but original balance is {$4800.00}. Date open XX/XX/year> XX/XX/year> went into collection account XXXX acc type is Debt buyer. ( XXXX ) XXXX is calling me harassing about a contract I didn't sign with them. Original creditor is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 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: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year>XXXX I was vacationing in XXXXXXXX XXXX XXXX XXXXXXXX. I stopped at a stand named XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They scanned my XXXX credit card they said the charge did not go through. So I gave them my XXXX XXXX card. Again, the vendor said it didnt work. When I returned home I found a fraudulent {$690.00} charge from this vendor on my XXXX card. Additionally I received XXXX identical charges for {$560.00} on my XXXX card. Im contesting the XXXX charges separately. I received no goods or services for any of these three charges. XXXX wanted me to provide a copy of the receipt Of course there was no receipt! I guarantee that this vendor is repeatedly scamming tourists, yet I could not get XXXX to even review their own records to see a pattern of fraud. XXXX promotes using their card when travelling to another country because you will get a better exchange rate. But they are setting up their customers for getting ripped off. I thought I was only liable for {$50.00} of fraudulent charges but XXXX is threatening to reinstate both {$560.00} charges.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Over the course of 2 months I have called Citi advantage card and have been met emptyhanded. I am currently in the process of receiving my Phone transcripts and will be seeking legal advice. Not being able to register my account may not seem like a big issue but with someone who has a XXXX XXXXXXXX like I do I desperately need to be able to see my accounts and balances at all time as to not go over my limit. this a dramatically big issue as I have everyday bills and things I need to purchase. My problem was simply registering my account for online access, after Citi took over XXXX, I have repeatedly tried doing what the technical and customer support representatives have told me to do in regards to registering my account for online access when they took over XXXX. They have never been able to successfully tell me what's wrong and have repeatedly told me to call back at a later date, often saying that it is a website overflow problem and that they have many people doing the same thing, trying to register. they were saying that too many people using their website was the problem stopping me from registering and accessing my account information. I then tried time after time again over the next few weeks to register my account, login and review my account information but have always gotten the same error screen that has no error code and tells me to contact customer support but when I have, I have been repeatedly met with people that I can barely understand and have limited information or understanding of the issues revolving my account, they insist on things that absolutely aggravate and frustrate the customer and they make you jump through hoops just to be told to come back later or try again at a different time. Then I was connected to a supervisor named XXXX to further my concerns and let them know I would be contacting CFPB and seeking legal help if my needs weren't met and if there was no resolution to my issue and after already exhausting my patience by jumping through the same hoops earlier she insisted on disregarding my issues and proceeded to hang up the phone. This is also after several phone call attempts to get in contact with a real human on the phone and not an AI representative in the first place, she proceeds to hang up and now I'm filing a report and seeking legal help because she did not handle the situation effectively and they have failed to handle the situation effectively over the course of many weeks, and phone calls.

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 2026-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Management Services, LP
State: CO

Complaint narrative:
I am filing this complaint against Capital Management Services , LP because I believe inaccurate information concerning my account has continued to be furnished or has not been properly corrected after I paid the account. Capital Management Services attempted to collect a XXXX account in the amount of {$150.00}. I paid this account on XX/XX/year>. I have proof of payment, a paid-in-full confirmation, and documentation showing that the account was resolved. After making payment, I reasonably expected that any information furnished to the consumer reporting agencies would accurately reflect that the account had been paid and satisfied. However, despite my payment and repeated efforts to resolve this matter, the related XXXX account continues to be reported on my credit reports with a {$150.00} balance and as past due. I have disputed this reporting multiple times with the consumer reporting agencies and have provided supporting documentation. If Capital Management Services furnished information regarding this account after my payment, I believe it had a responsibility to ensure that the information furnished was complete and accurate. If it no longer furnished information, I request clarification regarding what information was provided and when. I believe this matter should be investigated under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, which governs the responsibilities of entities that furnish information to consumer reporting agencies. As a Colorado consumer, I also request that this matter be reviewed in light of the Colorado Consumer Protection Act, C.R.S. 6-1-101 et seq.

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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because several collection accounts continue to be reported on my consumer credit reports. I dispute the accuracy and completeness of these accounts and have concerns that they are being reported without sufficient verification. I request that each collection agency provide competent evidence that I have a legal obligation to pay the alleged debt, including the original signed agreement, a complete itemized accounting of the balance, proof of assignment or ownership of the debt, and documentation establishing their legal authority to collect and report the account. If the collection agencies or furnishers can not provide this documentation, I request that these accounts be deleted from my credit reports in accordance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I also request that all credit reporting agencies update my credit files to accurately reflect the results of the investigation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$20000.00} was deposited and taken out of a wells fargo accountthat i never knew abouti would like you to take futher action on this matter please and 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 2026-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Phone : XXXX Email : XXXX Complaint Summary I am filing this complaint regarding a collection account in the amount of {$290.00} that is being reported from XXXX XXXX on my consumer credit reports. I dispute the accuracy of this account and have requested validation from the collection agency and investigations from the credit reporting agencies. I have requested documentation demonstrating that I am legally responsible for this debt, including a copy of any agreement bearing my signature, an itemized accounting of the balance, and documentation establishing the collector 's authority to collect and report the account. If the account can not be verified with competent documentation, I request that it be removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable law. I respectfully request that your office investigate this matter, review whether the reporting complies with applicable consumer protection laws, and assist in ensuring that any inaccurate or unverifiable information is corrected or removed. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation