vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 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: CA

Complaint narrative:
I was charged a returned payment fee that was wrongful since my account payments all went through

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 2026-06-16 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My check for {$270.00} to XXXX XXXX XXXX was stolen. I filed a dispute with Truist almost a year ago. I have made continuous calls to Truist regarding the matter. On Friday XX/XX/year> I gave XXXX at Truist a deadline of XX/XX/year> to deposit the {$270.00} into my checking account. And they have still not done so.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XX/XX/year> My XXXX XXXX XXXX account was requested to be paid XXXX. It was requested again on XXXX for the same amount. A letter was sent on XX/XX/XXXX asking for the payment again. See attached My Bank Of America account was actually paid on XXXX with 2 accounts. {$500.00} from the XXXX XXXX XXXX account and XXXX.from my XXXX XXXX account . I have been complaining since XXXX when I saw the overdraft on my XXXX XXXX. They claim I set up an autopayment but they could never verify this. I have been on the phone with them every week now for hours. I want to be sure my account is clear of this " non-Payment ''. I have been with BOA for over 25 years now with not one missed payment. My account ending XXXX actually has been paid within 1 week of the statement being sent.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XX/XX/year>, I opened a Wells Fargo credit card. On or around XX/XX/XXXX or XXXX, XXXX, I discovered an unauthorized {$200.00} cash advance had been taken from my credit card. It was not until several days later that I discovered there was a Wells Fargo checking account in my name. I received a letter in the mail stating that my fraud claim had been denied. During a follow-up phone call with Wells Fargo regarding the denial, I was informed that there was a Wells Fargo checking account associated with my name. Upon hearing this, I immediately stated that I did not open this checking account, that it was not mine, and I requested that it be closed. I did not apply for, open, or authorize this checking account, and I did not receive any account materials or benefit from it. The fraudulent checking account was used in connection with the unauthorized {$200.00} cash advance from my Wells Fargo credit card. I did not authorize the checking account or the cash advance, and I did not receive any of the funds. As soon as I initially discovered the unauthorized cash advance on or around XX/XX/XXXX or XXXX, XXXX, I immediately reported the issue to Wells Fargo and disputed the transaction. Despite my timely report, Wells Fargo denied my fraud claim and continues to hold me responsible for the {$200.00} cash advance and related charges. On XX/XX/year>, I spent several hours on the phone with Wells Fargo attempting to have my fraud claim reopened. During that time, I was transferred at least 10 times between different departments and representatives. I spoke with multiple Wells Fargo employees, including XXXX, XXXX, XXXX, XXXX, and XXXX. After repeatedly explaining the situation and requesting assistance, I was transferred again, and the call was either disconnected or terminated before I could receive a resolution. Despite my repeated efforts, I have been unable to obtain a meaningful review or resolution of my identity theft claim. I am requesting that Wells Fargo conduct a full and independent reinvestigation of this matter, including the fraudulent checking account opened in my name. I request copies of all records related to the account opening, including the application, signature card, identification used, account-opening records, and any electronic or IP-based records. I further request that Wells Fargo remove the unauthorized {$200.00} cash advance, along with any fees or interest, and confirm in writing that I am not financially responsible for any activity resulting from identity theft. I respectfully request the CFPBs assistance in ensuring that Wells Fargo properly investigates this identity theft and resolves the matter fairly.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello I have been making card payments and this company is still charging me late fees. unfortunately I did have to fix the transmission on my car which caused me to fall behind on a this card and another. I called this month to see if some of those late fees can be removed the representative did remove some of the late fees. I asked if we can set up a payment arrangement where I would be making later payments in order to bring the past due amount so long as there are no late fees. I was suppose to get a call back from a manager and I never did. I also attempeted to make a payment using the online option and it asked me for my credit card number. This account is closed which means I no longer have a credit card number. There is another late fee charged to my account that I cant pay, this companies behavior is very suspicios. I didnt not have to enter my card number on previos payments. I have had to repeat my self with multiple representatvies often having to re argue the fact that no one called me back to set up a payment arrangement. They keep trying to just y their charges to the point where they stated that wayved the fees every month. This is completely false these fees were waived because I called in. I am willing to make higher payments to bring the account current so long as they are not charging me late fees. They have been charging me late fees since XX/XX/2025 some on payments that were made on time.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: GA

Complaint narrative:
I opened a back account with USbank and setup for electronic transfer for {$25000.00}. The transfer was setup through their own electronic infrastructure ( XXXX or other that they use ). It has been a week since the deposit they are still holding 98 % of the funds. I spoke to their telephone support team who indicated that they can not lift the hold and connected me to a branch manager for a branch near XXXX, TN. The branch manager indicated that the hold is such that he can not lift it. He opened an internal complaint upon my request. However, the funds that were electronically deposited still are unavailable to me. I have two houses to close in the next 30 days and can not have funds tied up. Further, I dont believe this meets the Federal Reserve and CFPB guidelines.

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 2026-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I attempted to settle the debt with them and assert that it was not mine due to identity XXXX and have tried to dispute in the past however they keep resurfacing the owed amount as a new debt. It was a fraudulent bill open in my name by someone else in XXXX of XXXX owing the amount of XXXX XXXXXXXXthey will not comply with out payment

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 2026-06-16 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: VA

Complaint narrative:
I am writing in response to the decision regarding my fraud claim no XXXX. The transactions in question were not authorized by me. Importantly, they occurred in different states at the same time or within overlapping time frames, which would have made it physically impossible for me to be present in those locations simultaneously. Given this clear inconsistency, I respectfully request that my claim be reviewed again. The geographic locations and timing of these charges strongly indicate fraudulent activity rather than legitimate use. After reviewing my account activity in detail, I have identified multiple transactions that occurred at overlapping or identical times in different locations. This pattern is physically impossible for me to have authorized or completed, as it would require being in two separate places simultaneously. See the following transaction and locations : XXXX XXXX # XXXX - XXXX, NJ XXXX XXXX # XXXX - XXXX, PA XXXX XXXX XXXX # XXXX - XXXX XXXX, VA XXXX XXXX # XXXX - XXXX, PA This timing overlap is strong evidence that my card information was compromised and used fraudulently by an unauthorized third party. The pattern is not consistent with legitimate use, lost card use, or authorized household use, as no one had permission to use my card. Given this new information, I respectfully request a full re-review of my fraud claim, including : * Merchant transaction logs ( chip/PIN/tap verification records where applicable ) * Authorization details for each disputed transaction * Any device or terminal identifiers associated with the charges * Investigation into how simultaneous transactions were authorized I am requesting that Bank of America reassess this case in light of the clear impossibility of the transaction timeline. Thank you for your time and 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 2026-06-16 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: PA

Complaint narrative:
This is a Citi bank card that we have not used in over 5 years. In XX/XX/year> I noticed there were charges on the card that we did not make. I called to report these charges were not ours, I talked to their customer service and their fraud dept. I was told that they would look into it and let me know the findings. They never notified me. In XXXX I got the statement charges were still there I was charged late fees and interest, I called again and went through everything again. I have received many collections calls to which I say we have filed a claim and waiting for the results, still nothing. I have all the dates I have called to correct this and keep getting a run around while they keep charging me interest. I have called 9 times to correct this without any assistance from Citibank. I feel this is my only option to resolve 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 2026-06-16 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: MI

Complaint narrative:
XXXX a victim of identity theft someone used my personal information XXXX rented a fraudulent apartment in my name through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that this fraudulent account be removed from my credit report. The account now is in collections under 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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
b"On Friday XXXX XXXX tried to send me $XXXX it was blocked he sent it through cell it was sent from his account which was authorized from his account and sent to my account which was not accepting the money and when I called Navy Federal they said XXXX blocked it when I called XXXX they said Navy Federal blocked it one at the end of the day they say it was blocked because of they deemed it a security risk and was protecting me from a possible scam I told them both it was not a scam the money is coming from my supervisors and that it should be allowed to come through they told me they were not allowed to take it off XXXX said they were not allowed to take it off because it's Navy Federal, Navy Federal said they're not allowed to do it because it's XXXX. Both companies are blaming it on each other and neither one of the companies are trying to remove it the only way I'm allowed to get paid is through XXXX cuz that's the app that my company uses I cannot get paid I'm going to lose my house and my car I need my money to come through XXXX to my Navy Federal account Navy Federal is blocking it however XXXX said Navy Federal is blocking it who's blocking the money they're taking it upon herself to just block people from receiving money neither one of them is taking accountability I did not see it in the contract from either one of the companies saying they can take it upon their selves to block money from coming into my account today on XXXX XXXX it was done again once again some one of my bosses was blocked from sending me money I can't get paid this week until this problem is fixed so I'm asking for you all to help and get these my bosses unblocked I'm able to get my money and be able to pay my rent and my car and eat otherwise I'm going to be homeless please contact me at XXXX XXXX my name is XXXX XXXX please"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 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: NC

Complaint narrative:
am filing this complaint due to the continued reporting of fraudulent and inaccurate information on my credit report. I did not authorize the accounts, late payments, or inquiries being reported, and they are the result of identity theft. My personal information was likely compromised in major data breaches, including the Equifax ( XXXX ) and TransUnion ( XXXX ) breaches, which exposed sensitive consumer data. As a result, unauthorized accounts and derogatory information are now being reported under my name. I have already disputed these items, but the credit bureaus failed to conduct a proper investigation. Instead, they relied on automated systems, which is a violation of FCRA 1681i, requiring a reasonable reinvestigation. Additionally, under FCRA 1681c-2, identity theft-related information must be blocked within 4 business days. These items remain on my report, which is clear noncompliance. The data being reported is also inconsistent and incomplete, violating Metro 2 standards for accuracy and integrity. I am demanding immediate deletion of all fraudulent accounts, late payments, and unauthorized inquiries. I also request proof of verification and the method used to validate each account. Failure to comply will result in escalation and legal action for willful noncompliance.

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 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I am filing this formal complaint against USAA for failing to properly oversee its third-party repossession vendor XXXX XXXX and for vicarious liability regarding property damage inflicted upon my vehicle during a repossession seizure on XX/XX/XXXX at around XXXX XXXX. Under the Consumer Financial Protection Act of XXXX and the CFPB 's compliance guidelines for service providers, a financial institution is fully responsible for ensuring that its repossession vendors do not engage in unfair, deceptive, or abusive acts or practices ( UDAAPs ), and that they comply with applicable state laws regarding repossession procedures. On XX/XX/XXXX, USAA 's contracted repossession agent seized my vehicle, a XXXX XXXX XXXX. To facilitate this XXXX, the repossession company deliberately destroyed the rear trunk locking cylinder to gain forced entry into the vehicle. This act constitutes a severe and intentional destruction of property, an actionable tort, and a clear " breach of the peace '' under Uniform Commercial Code ( UCC ) XXXX. A lender 's right to peaceful self-help repossession ends the moment their agent commits property damage or vandalism to access the vehicle. I currently have physical custody of the destroyed locking mechanism, which displays clear drill-bit markings. Furthermore, a certified automotive technician has inspected the damage. The total estimated cost to repair this property damage is {$2300.00}. USAA 's repossession vendor has denied liability, and my own auto insurer has falsely denied the claim stating that it was mechanical failure, leaving me with the financial burden of an illegal, forced-entry tactic used by USAA 's authorized agent. By allowing its vendor to use destructive, non-peaceful methods to seize collateral, USAA has engaged in an unfair practice that has caused me substantial financial injury that I could not reasonably avoid.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX XXXX Phone number XXXX Address XXXX XXXX XXXX XXXX Michigan XXXX. Email. XXXX Wells Fargo Bank , N.A . I am writing to report that a bank account was opened in my name without my knowledge or authorization. I recently discovered the account year XXXX I did not apply for, authorize, or consent to the opening of this account. I request that Wells Fargo immediately investigate this matter and provide me with : The date the account was opened. Copies of all account-opening documents and records. Information regarding how the account was opened ( online, by phone, or in person ). Written confirmation that the account has been closed if determined to be unauthorized. Written confirmation that I am not responsible for any fees, charges, or transactions associated with this account. I believe this account may have been opened fraudulently or as a result of identity theft. I request that Wells Fargo conduct a thorough investigation and provide me with the results in writing. Please contact me at the phone number or email listed above if additional information is required. Thank you for your prompt attention to this matter. Sincerely, 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 2026-06-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo charged me approximately {$85.00} in monthly service fees on a dormant account with a balance of about {$560.00}. The bank states the account became dormant after 12 months of inactivity, yet continued assessing fees, stating that they don't have free accounts. I was informed that the minimum balance requirement increased to {$1500.00} and that this information was a part of my statements. But I did not receive any direct notification beyond information included in account statements which I haven't checked online since I wasn't using their account. Wells Fargo refunded only two fees and declined to refund the remaining charges even though they put account in dormant stage ( meaning i have to call them to remove this ).

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 2026-06-16 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: PA

Complaint narrative:
" On XX/XX/year>, I initiated a credit card dispute with Citi Bank ( Mastercard ) for a XXXX transaction. Shortly after, I formally canceled the dispute. Citi Bank closed the case and issued a cancellation confirmation, which was provided to XXXX. Despite the dispute being closed for 77 days, XXXX refuses to release the funds, keeping the transaction status locked as 'Under Review. ' Citi Bank has failed to properly transmit the final dismissal through the Mastercard network, and XXXX is refusing to manually review the uploaded bank proof. I am requesting that Citi Bank provide the Mastercard Acquirer Reference Number ( ARN ) for the cancellation, and that XXXX immediately escalates this to their back-office Chargeback Team to release my held 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