vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 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: GA

Complaint narrative:
Hired XXXX XXXX mobile to repair van leak in XXXX. Van was still leaking oil, returned van back to them another repair was attempted but van was still leaking oil.To verify issue I had my van inspected by two independent repair facilities- cooper lake automotive and the rolling wrench.Both confirmed van was still leaking oil .Rolling wrench completed repair. I incurred additional expenses and submitted the receipts.My dispute is not based on billing error.It is based on failure to provide service that I paid for. Paid them XXXX dollars

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 2026-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
last month my car was repossessed after USAA withheld my entire federally protected income as a combat wounded veteran through the XXXX as a result, they refused to even process my car loan using that income. they wouldnt pay themselves for my credit cards or insurance causing me to go into severe hardship and i was almost homeless as a result. i filed a cfpb complaint then and they issued me a check for the VA income in my account. once i received it, the first thing i did was pay my one month past due for my car payment, and the amount due for the current month. the representative took down my new XXXX XXXX XXXX card information wrong and called me back XXXX weeks later stating the payment didnt process, when i gave her my card information again, she admitted it was her fault and that she flipped the last XXXX numbers on my card accidentally. when she processed that payment, she must not have saved it and it reverted to the original incorrect number. due to her inadequacies in training through the XXXX to complete as simple of a request as taking a payment, my car was then subsequently repossessed. with no warning no phone calls nothing. its interesting to me that they could process my insurance payments for home and car using the correct credit card information but couldnt process it for my car loan after XXXX attempts. i would like FULL REIMBURSEMENT of {$1500.00} for what i had to pay for their employees inadequacies. i have reached out to the office of the ceo who have contacted me back and said theyd look into it and then never heard a thing else. i have waited patiently for a response before filing this. but this is absolutely wrong! USAA told me my payment was returned but my new bank says they have XXXX record of a payment returned ever in the history of my account!! let alone to USAA!! their agent processed it wrong and those calls are recorded!!!!! PROVE ME WRONG OR PAY ME WHAT YOU OWE 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been trying for approximately XXXX months to obtain images ( front and back ) of deposited items checks I received and deposited into my personal checking account ( ending XXXX ) for deposit dates XX/XX/XXXX through XX/XX/XXXX. I have requested these records more than XXXX times : at least XXXX times by phone, at least XXXX times through the bank 's online/virtual channel, and once in person at a branch appointment on XX/XX/XXXX ( confirmation XXXX ), where I was left unattended for about XXXX minutes and then told the representative could not help me. The bank has never fulfilled this request. Instead, it responded in the following incorrect ways : Research request XXXX searched the wrong account ( ending XXXX ) and reported " no deposits found. '' Research requests XXXX and XXXX returned " {$0.00} '' responses stating the transaction " was made electronically, '' which does not respond to my request for historical deposited items. Research requests XXXX, XXXX, and XXXX produced paid items ( checks I wrote, which are debits ) instead of deposited items ( checks I received, which are credits ). Across these XXXX separate research requests, the bank has XXXX times sent me the wrong record type, twice returned empty {$0.00} denials, and once searched the wrong account. It has not once correctly searched account ending XXXX for deposited items. I am requesting that the bank search account ending XXXX only, identify all deposited items for XXXX through XXXX, and provide the front and back images of those deposits. I have copies of all response letters documenting the above and can provide 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 2026-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: SD

Complaint narrative:
I was notified I was approved for the credit builder loan for {$1000.00}. Loan number : XXXX dated XX/XX/year>. I was not aware of the hidden fees and requirement to hold 80 % of the funds in a credit reserve account. I was no it aware that I would be forced to maintain a membership at {$19.00} per month. On top of that Im being charged a {$150.00} finance charge. The interest rate is 29.91 % APR. As soon as I became aware I tried to cancel the membership and immediately pay back the amount of {$200.00} that was disbursed to me. Ive contacted MoneyLion through their chat, phone, and several emails to customer care, customer advocacy, XXXX department, and XXXX XXXX department. I sent an email attempting to immediately pay the {$200.00} that was disbursed to me and asked that they use the credit reserve for the remaining amount. I requested fo withdraw my ACH authorization. I made a payment online XX/XX/year> for the first payment that was due XX/XX/year>. They are reporting me as past due and still attempting to withdraw from my account after I revoked my ACH authorization and removed my bank information from their app. This company has tricked me into loan terms and hidden fees. For a {$1000.00} loan over 12 months at a 29.91 % interest rate with a {$150.00} fee and {$19.00} monthly membership, total interest will be {$160.00}, but overall cost of credit jumps to {$550.00} when all upfront fees and recurring memberships are included. When calculating the true cost of this loanwhich must factor in both the nominal interest and the mandatory fees required to borrow the moneyeffective APR is 73.19 %. The company will not respond to my requests. There is no information on their website on where consumers can go for help. This is predatory lending. The loan documents are only accssible within the all and are so small you can hardly read if. You can not access the loan documents documents from the website it redirects you back to the app. I also can not download the loan documents from the app. Screenshots are provided.

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 2026-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am filing this complaint against Sunrise Credit Services regarding a collection account ( Original Creditor : XXXX XXXX XXXX XXXX Account No. XXXX ) appearing on my XXXX credit file. Sunrise Credit Services is reporting this as a new collection account opened in XX/XX/year>. However this debt originated with XXXX XXXX XXXX XXXX well before that date. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, the XXXX reporting period must run from the original date of first delinquency with the original creditor, not from the date a debt buyer purchases the account. By reporting this as a new 2026 collection, Sunrise Credit Services is illegally re-aging this debt, artificially extending its negative impact on my credit report beyond what federal law allows and misrepresenting the true age of this debt. I am requesting that Sunrise Credit Services immediately update this account to reflect the true original date of first delinquency with XXXX XXXX XXXX XXXX across all credit bureaus. If Sunrise Credit Services can not provide complete and accurate validation of this debt including the correct original delinquency date, I am requesting that all collection activity cease immediately and that this account be deleted from my credit file entirely.

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 2026-07-01 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2026-07-01 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: OH

Complaint narrative:
I recently reviewed my credit reports from Experian , TransUnion, and XXXX dated XX/XX/XXXX and identified several accounts and hard inquiries that I did not recognize or did not authorize. The following items are being disputed : * An auto loan reported as XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX, showing multiple late payments ( approximately XXXX reported across bureaus ). * A collection account reported by XXXX XXXX XXXX XXXX, last reported XX/XX/XXXX, with a balance of approximately {$670.00}. * Charge-off accounts reported under XXXX XXXX ( opened XXXX, written off approximately {$3000.00} ) and XXXX ( opened XXXX, charged off approximately {$5200.00} ). * Hard inquiries dated XX/XX/XXXX through XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. I did not knowingly authorize or initiate some of these accounts or inquiries and request a full investigation into how they were created and reported. I am asking that any item that can not be fully verified as accurate and authorized be corrected or removed from my credit reports. I am submitting this complaint to help resolve the reporting issues and ensure the accuracy of my credit information.

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 2026-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
They are holding my funds and transfer for a security hold since XX/XX/XXXX. There has been no communication, no response, nothing. My money just tuck there. I received an email saying my account was security locked but nothing past that. They purposely block users from being able to communicate with human support on all channels, and provide no transparency. There are countless users dealing with the same issue that they have had waiting for MONTHS. These are people lives they are messing with. The time peoples funds are held from them affect their lives. I can provide any and all information but the fire to answer to the ticket that every chat and social media representative references. I will be taking legal action for the damages this has caused me. Email : XXXX Public Account ID : 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank uses a tactic of applying pending transactions prior to ones that are posting on any given business day to maximize their ability to assess an overdraft fee. This is further exacerbated by the fact that their posting timeframe is XXXX for the previous business day. On XXXX separate occasions I was assessed a fee for overdrafted account even though my account was positive at the end of said business day. Which according to their policy is XXXX. One very specific transaction occurred on XX/XX/2026. As of XXXX my account was positive at {$5.00}. At XXXX the balance posted reflected as such however a separate transaction came through at exactly XXXX on XX/XX/2026. This transaction was used to artificially lower my balance to show an overdraft had occurred. According to their " grace period '' policy I would then have until XXXX the following day to bring the account positive in order to avoid a fee being assessed. However, since no such warning is given and I had no reasonable suspicion that my account was in danger of such a fee I made deposits after midnight the following day to cover the transactions I knew were posting for the XXXX of XXXX. So in short Wells Fargo used a transaction that occurred on the XXXX of XXXX to claim I was overdrawn on the XXXX simply because of their posting timeframe of XXXX which doesnt acknowledge the specific date of the new transaction. It merely captures it to lower the balance. Predatorily I might add since the transaction that was held first against the account was the one that occurred last. This has happened numerous times and amounts to nothing more that plain and simple robbery. I, the consumer, am left with no recourse or actions because Wells Fargo doesnt even reverse fees for bank error. Several customer service agents agreed with my assessment however were unable to assist because the only way a fee is reversible is by courtesy which is limited to one per year. So this can occur dozens of times with no ability to have them reversed. Other banks dont charge such high fees and have reduced the {$35.00} to {$10.00} and removed the practice of pending transactions being held first against the account because of its predatory nature. Something should be done to stop this practice altogether!!!!

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
Opened account at a branch for a signup bonus, completed all required direct deposits, bank verified compliance but refuses to pay the bonus due to an internal employee tracking error.

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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I am filing this complaint because Wells Fargo has failed to refund a credit balance on my credit card account despite my repeated requests and numerous follow-up attempts. On * * XX/XX/year> * *, my Wells Fargo XXXX XXXX credit card reflected a * * credit balance of - {$3300.00} * *. This credit balance resulted after a refund was posted to my credit card, and I had already paid the account in full. I requested that Wells Fargo return the credit balance to me. On that same day, I also visited a Wells Fargo branch in person to address the matter. Initially, I was told that a refund check would be issued. However, a representative began processing the check to the wrong address without my authorization. I immediately informed Wells Fargo that I do not receive mail at my physical address and requested that the check be canceled. I was then instructed to submit a written request for the refund, which I did. Wells Fargo acknowledged my complaint on * * XX/XX/year> * *, but despite that acknowledgment and my repeated follow-up phone calls over the past several weeks, I have received no meaningful updates or resolution. My Wells Fargo credit card statement for the billing period * * XX/XX/year>, through XX/XX/year> * *, shows an ending balance of * * - {$3300.00} * *. That credit balance has since disappeared from my online account, and I can no longer verify or access those funds. However, I have never received the refund check or any other payment returning my money. My escalation representative is * * XXXX XXXX. * *, and my Wells Fargo case number is XXXX XXXX XXXX XXXX XXXX Wells Fargo has now had my money for several weeks despite my timely request for a refund. I have made every reasonable effort to resolve this directly with the bank, including visiting a branch, submitting the requested written documentation, and making repeated follow-up calls. Despite these efforts, Wells Fargo has failed to return my funds or provide a reasonable explanation for the delay. I am requesting that the Consumer Financial Protection Bureau require Wells Fargo to : * Immediately issue the full refund of my * * {$3300.00} * * credit balance. * Provide a written explanation of what happened to my credit balance after it disappeared from my account. * Explain why my refund request has remained unresolved despite being made on XX/XX/year>, and acknowledged on XX/XX/year>. * Review Wells Fargo 's handling of customer credit balance refunds to ensure other consumers do not experience similar delays. I simply want Wells Fargo to return the money that belongs to me. I have waited patiently, complied with every request they have made, and have still not received my refund.

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 2026-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
" I am filing an official auto loan fraud and consumer exploitation complaint against XXXX XXXX XXXX ( XXXX, CT ) regarding Deal # XXXX and my lender, Ally Financial.On XX/XX/XXXX, I purchased a vehicle with a base price of {$9900.00}. I handed the dealership a {$1100.00} physical cash down payment and a XXXX trade-in valued at $ XXXX.I have a diagnosed XXXX condition that impacts my XXXX XXXX, XXXX XXXX, and ability to XXXX XXXX XXXX XXXX under pressure. The dealership told me they made a mistake on the first contract and required me to sign a second, 'updated ' set of paperwork. Because of my cognitive challenges, I trusted them and was unable to detect that they completely faked my financial figures on this updated contract before signing.The updated contract completely omitted my {$1100.00} cash down payment, altered my trade-in values to a net {$100.00} credit, reversed a {$1000.00} factory discount into an added fee, and packed a predatory {$2800.00} warranty into the loan. This artificially inflated my starting loan balance sent to Ally Financial to $ XXXXWhen Ally attempted to verify these figures on XX/XX/XXXX, my salesperson, XXXX, text-messaged me explicitly instructing me to mislead the bank 's verification team. He stated in writing : " I had to adjust the figures to make the deal get approved, ' confirming that he deliberately altered the updated paperwork to force a fraudulent loan through.Due to this manufactured contract deception, I have been locked in a predatory 19 % APR delinquency loop since XX/XX/XXXX. Between my unrecorded cash down payment, shorted trade-in, monthly payments, and a canceled warranty refund, I have paid nearly {$8000.00} out-of-pocket, yet Ally claims I still owe the full starting balance.I demand a joint investigation by state and federal regulators to protect my consumer rights. I request that XXXX XXXX XXXX be forced to rescind or buy back this fraudulent contract, clear all negative history from my credit file, and return my {$8000.00} out-of-pocket cash immediately. ''

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 2026-07-01 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: BMO BANK NATIONAL ASSOCIATION
State: LA

Complaint narrative:
BMO sent XXXX XXXX recovery to my house on XX/XX/XXXX to repossess my camper. On XX/XX/XXXX I recieved a certified letter stating that I had until XX/XX/XXXX to retrieve my possessions or make a payment to release the camper back into my custody The camper was brought to a repo lot where they were authorized by BMO to release the camper after only XXXX hours to be transported to Texas for auction. After numerous attempts BMO refused to release any information on where my possessions are and how I can retrieve them. They unlawfully did not abide by their notice in allowing me to retrieve my personal possessions.

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