vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Bank : Wells Fargo Claim : # XXXX Claim Date : XX/XX/year> I am filing this complaint regarding unauthorized transactions on my checking ending in XXXX at Wells Fargo. After I initially disputed these charges, totaled at {$6800.00}. I called Wells Fargo as soon as I recognized errors in the dispute like transactions I did authorize. Now, when I noticed errors and asked them to correct it because there were XXXX transactions I did authorize, and incoming deposits I had been waiting for but, they included them. My dispute was then denied. Each time I contacted customer service or the fraud department to appeal my dispute, they were dismissive, hung up on me repeatedly, and were very disrespectful. When asked to speak to a supervisor to appeal their decision, they told me they would not escalate to a supervisor, as the supervisor would give the same response and offer no resolution. I also asked for a final official decision letter and never got one. I asked if they can show me the proof they had that I processed every one of those transactions and told me I am not authorized to have that information. Which I am, this proved to me they did not thoroughly investigate each XXXX of the transactions. After these calls, the total disputed amount still remained {$6800.00}. I never authorized the remaining disputed transactions. Wells Fargo did not conduct a proper investigation. I ask for a deep and thorough investigation because I did authorize, ( five specific transactions ), listed as follows : - XXXX XXXX TRANSFER {$50.00} XX/XX/year> - XXXX XXXX TRANSFER {$30.00} XX/XX/year> - XXXX XXXX XXXX {$46.00} XX/XX/year> - XXXX XXXX TRANSFER {$28.00} XX/XX/year> - XXXX XXXX TRANSFER {$28.00} XX/XX/year> ( Most of these transactions were actually even still pending at the time and chargebacks couldve been started at least. ) I request that Wells Fargo conduct a thorough reinvestigation of my claim, including correcting the errors in the original dispute to reflect the five transactions that I authorized and the deposits that were incorrectly included. I also request immediate provisional credit while the matter is being properly reviewed, as I repeatedly notified the bank of these errors and requested corrections that were never made. I notified Wells Fargo shortly after filing the dispute that several transactions and deposits had been incorrectly included, but those errors were never corrected before the claim was denied. As a fair resolution, I request reimbursement for all unauthorized transactions determined to be valid after a proper investigation, restoration of any funds improperly denied, and a written explanation of the banks findings and actions taken to correct this matter.

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 2026-06-23 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was a victim to call proofing scam with Navy Federal Credit Union debit card ending in XXXX. I was contacted by someone using spoofing technology which caused the call to appears as though it was coming from Navy Federal 's official phone number. I believed I was speaking with a legitimate representative of the credit union and followed their instructions in good faith. This form of social engineering fraud, and I did not knowingly or willingly participate in any fraudulent activity. I was deceived into taking false pretenses by a criminal impersonating Navy Federal Credit Union. Navy Federal may say I authorized the transaction but authorization obtained through impersonation and deception is not valid consent under the Electronic Fund Transfer Act complaint. I have filed a FTC complaint Report Number XXXX, FBI IC3 Submission ID : XXXX, complaint and local police XXXX Police Economic Crimes Unit Report Number 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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I notices unauthorized charges on my debit card from an XXXX XXXX company. Several started to come in and were pending for {$0.00} some for {$1.00}. This alerted me to check my history of transactions and I noticed charges from XXXX and Two from a XXXX XXXX that I never completed nor did I authorize them. My card was canceled and I am still getting notifications that several companies are trying to charge that canceled card still. Clearly my card info was compromised and Navy Federal denied my fraud claims regarding XXXX and XXXX XXXX. I filed a dispute again and provided proof of my XXXX purchase history and they still denied my fraud claim. I made several calls reporting each notification that I was receiving daily about a company trying to charge the already cancelled card. Navy federal is not my main financial institution that I do business with and I am afraid to pick up a replacement card because they are not considering these fraudulent charges that were made and still are trying to process on the old card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint against Citigroup ( Macy 's Department Store Billing ) for improperly holding and failing to return a misdirected mortgage closing payoff check. On XX/XX/XXXX, a physical payoff checkexplicitly made out to " XXXX XXXX '' to pay off my card ending in XXXXwas mistakenly mailed to a Macy 's payment processing center due to a clerical error by my closing title agent. Despite the check being made out to American Express, Citigroup blindly cashed and cleared this check on XXXX XXXX Citigroup subsequently placed these funds into a corporate suspense/unapplied funds account. Citigroup 's billing department recently sent a letter to my closing agent at XXXX XXXXe acknowledging they are holding these unapplied funds, but they have failed to reject the payment, reverse the transaction, or return the money to the escrow agent. Citigroup is unlawfully holding thousands of dollars of my mortgage payoff funds, resulting in severe ongoing interest charges and financial risk to my XXXX XXXX account. I demand that Citigroup immediately return these funds to the originating escrow agent ( XXXX XXXX ) or manually transfer them to the intended recipient, 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: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX, XXXX Opened account, transferred {$500.00} from XXXXXXXX XXXX XX/XX/XXXX, XXXX Account closed, I called, they would give me no information, told me my money would bounce back to original bank XX/XX/XXXX, XXXX received notification my transfer was complete even though the account was closed. Called, they said it would go back to my bank. XXXX - XXXX- Called over XXXX times, escalated the situation, they confirmed they had the money in a holding account but insisted XXXX XXXX needed to reclaim it. Spent hours getting to XXXX XXXX XXXX XXXX managers who told me synchrony was illegally holding my money and they couldn't reclaim it because they didn't initiate the transfer, synchrony did. XXXX insisted they couldn't help further but that by XXXX days from the account being closed it would be returned. XX/XX/XXXX, XXXX realizing it's been XXXX days, I Called demanding documentation, answers, and my money. They would not give it over and said the transfer that takes XXXX days wasn't even ever started during the last XXXX days. Then asked if I would like to start the transfer.... I asked for documentation of this so it wouldn't continue to happen, and they would not give it. They just gave me the supervisors name and ID. ( XXXX, XXXX ). A complaint was filed end XX/XX/XXXX, and finally " resolved '' XX/XX/XXXX by the company stating they returned the money to XXXX XXXX on XX/XX/XXXX. This is the first I'm hearing of that, AND on XX/XX/XXXX they admitted they still had it while on a phone call and that they would request for it to be returned. Synchrony continually lies to me at the management level, and use all of the XXXX days they get for these resolutions while stealing money. It is wrong and illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
After almost 40 years of excellent payment history the company changed their auto payment & didnt honor my auto payment status. UnfortunatelyI thought my auto payment would cover, if you look at my payment history I pay in full immediately dont wait for due date. This was just a fluke, due to paperless statements.lost email notifications, etc

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED COMMUNITY BANK
State: FL

Complaint narrative:
I respectfully request assistance regarding overdraft fees, charge-off practices, and collection activities involving my business and personal banking relationships. The institutions involved include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United Community Bank XXXX XXXX XXXX. I disputed overdraft fees that I believe may have been excessive, improperly assessed, insufficiently disclosed, or inconsistent with fair banking practices. Despite my efforts to resolve these matters directly with the institutions through certified correspondence, email communications, and requests for review, the disputes remain unresolved. Subsequently, the accounts became subject to continuing overdraft charges, closure, charge-off actions, and collection communications. I respectfully request that your office review : 1. Whether overdraft practices comply with applicable regulations ; 2. Whether disclosures regarding overdraft services were adequate ; 3. Whether fee accumulation practices were reasonable ; 4. Whether continuing overdraft assessments materially contributed to account charge-offs ; 5. Whether reimbursement or adjustment of disputed fees may be appropriate. Attached are copies of correspondence, statements, notices, and communications exchanged with the institutions involved. Thank you for your consideration. Respectfully submitted,

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My oldest credit card was closed by the issuing company. My account was always in good standing, with no late payments, no missed payments, and no over-limit usage. The company informed me that payments initiated from my XXXX XXXX bank account were being rejected. However, I made direct cash payments to my credit card account to ensure it remained current. I always maintained my payments on time and had no control over the issue between XXXX XXXX and the payment processing system. Despite this, the credit card was closed. This decision negatively impacts my credit history because this was my oldest credit account, and I have consistently demonstrated responsible credit behavior.

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 — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Bank filed fraudulent lawsuits against XXXX XXXX XXXXXXXX XXXX XXXX XXXX, holding each liable for a {$49000.00} unpaid mortgage promissory note signed by XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE FOLLOWING ACCOUNTS VIOLATE MY RIGHTS UNDER 15 U.S.C. 1681E ( B ) AND 15 U.S.C. 1681B REGARDING PERMISSIBLE PURPOSE. I DID NOT AUTHORIZE THESE COMPANIES TO ACCESS, REPORT, FURNISH, OR MAINTAIN ANY INFORMATION ON MY CREDIT FILE. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND I BELIEVE THEY MAY BE THE RESULT OF IDENTITY THEFT, FRAUDULENT ACTIVITY, OR INACCURATE REPORTING. I AM REQUESTING THAT THESE ACCOUNTS BE IMMEDIATELY BLOCKED, DELETED, AND PERMANENTLY REMOVED FROM MY CREDIT REPORT WHILE THIS MATTER IS BEING INVESTIGATED. PLEASE PROVIDE PROOF OF ANY ALLEGED AUTHORIZATION IF YOU CLAIM THESE ACCOUNTS ARE VALID. IF SUCH DOCUMENTATION CAN NOT BE PROVIDED, THESE ITEMS MUST BE DELETED IMMEDIATELY IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive made several attempts to get the fraudulent inquiries on my consumer report resolved, but the issue is still ongoing. These inquiries do not belong to me in any way, and I have no connection or responsibility for them. Their appearance on my file has caused me a lot of stress and financial difficulty. As a victim of identity theft, Im really concerned about how this is affecting my credit standing, especially since it has created obstacles for important goals like purchasing a home and taking care of my familys needs. Ive also attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) for reference.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal 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 2026-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have attached the complaint with specific details

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: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am trying to get my loan reinstated but Bank of America is breaking the Illinois law with allowing me to reinstate my loan after paying the XXXX % of my loan. They are breaking the law and refusing to reinstate it.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
They are still reporting a late payment on my credit reports for XX/XX/year>. That information is incorrect. I will attach the payment made. An FTC report was also made for their fraudulent reporting practices. They previously stated that the reports were showing as never late, which is false.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited a check at the teller window inside the bank on XX/XX/XXXX. There was no issue at the time I made the deposit, however, when I checked my account the next day I saw that the bank had placed a hold on the check and my funds would not be made available to me until XX/XX/2026. I checked my account again on XX/XX/XXXX and saw that the hold had been pushed out even further, it now said the funds would not be made available to me until XXXX on XX/XX/2026. I then contacted my customer and asked that she check with her bank to see if the funds had cleared her account and she did this and let me know that they had cleared. I went into my bank and told the man that helped me the information and he instructed me to contact Bank of America through the phone number XXXX, he wrote it down on a sticky note. He said they did not have the authority to release a hold. I called the number and explained the situation and was denied again, I asked for a supervisor and was transferred to XXXX out of Oklahoma who also refused to release my funds. My partner informed them that they were violating regulation cc and they did not seem to care. I then contacted my customer and asked her to please provide a screenshot of her online portal showing the funds have cleared as well as the ach sequence number for tracking 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 monetary relief