vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was charged multiple overdraft fees on my checking account over the course of several days, with fees totaling approximately {$100.00} per day on at least one of those days. The fee total each day exceeded any amount I could realistically deposit to bring the account back to a positive balance, which created a compounding situation rather than a single overdraft event. By the time the fees stopped accumulating, the total in overdraft fees was approximately {$390.00}. I contacted customer service by phone on multiple occasions and visited a branch in person to request a courtesy waiver of these fees, given that the fee structure itself made recovery impossible during that period. One representative granted a partial courtesy waiver of two fees, totaling {$72.00}. When I called back to request further review of the remaining fees, I was told that no additional waiver was possible because the account had already received one courtesy waiver, and no exception process was offered. I am requesting a review of whether the remaining overdraft fees from this period can be reduced or waived, given that the fees compounded faster than any realistic recovery was possible, and given that I have been a customer in good standing for XXXX years prior to this incident.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not give this company permission to securitize this debt.

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 — 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: TX

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim filed on XX/XX/2026 disputing purchase of merchandise that was not received from XXXX XXXX. Bank of America authorized a temporary credit for the transaction on XX/XX/2026 in the amount of {$170.00} and then the credit was reversed and deducted from my balance on XX/XX/2026. The document that was received from the merchant proved the package was delivered to the incorrect address that was not the one confirmed at the time of purchase but refused to reverse the charge and closed the claim twice.

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: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
around the middle of XXXX i received a letter from Citi bank stating my savings account with {$12000.00} had been froze due to inactivity. citi bank sent me a form to be filled out and notarized and then mailed back with the envelope they provided to make my account active again. They told me to wait XXXX to XXXX days. after XXXX weeks i started trying to close my account and get my funds and every phone call turned in to them telling me to wait XXXX to XXXX hours. on XX/XX/XXXX i received a letter saying my account was active again. i called to get my money and I'm told my account was inactive again. on the next phone call again i was told to wait XXXX to XXXX hours, again I'm told my account is not active. after another phone call i was told to wait XXXX to XXXX hours again. citi again refuses to let me have my money. all of this because of inactivity witch i find odd for a savings account.every time i call i speak to someone different and its like they are reading from a page and when i ask to speak to a supervisor i can't get one. i live in XXXX and there are no branches here. i fill like I'm being held XXXX and they are not being professional at all. I need my money for a family matter and they will not release 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 monetary relief
Consumer complaint received 2026-06-16 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: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collector who contacted me by text message concerning an alleged debt. I received the following text message : [ XXXX XXXX ], please call XXXX or view online XXXX XXXX XXXX [ Reference Number Redacted ]. XXXX is a debt collector attempting to collect. Reply STOP to opt out. On XX/XX/year>, I sent a formal debt validation request to the company via email because I did not have sufficient information to determine whether the debt was legitimate, whether it belonged to me, or whether the amount claimed was accurate. In my email, I asked the company to provide : The name of the original creditor The account number associated with the debt The total amount allegedly owed An itemized breakdown of the balance The date the account was opened The date of the last payment, if applicable Documentation showing that the debt belongs to me A copy of any signed agreement, contract, or application associated with the debt Proof that the company is authorized to collect the debt Documentation showing the debt was assigned or transferred to the company, if applicable I also requested that all information be provided to me in writing. To date, I have not received a response to my email or any documentation validating the alleged debt. Despite my request for information, collection efforts have continued. I am requesting assistance because I believe I am entitled to receive sufficient information to verify the debt before being asked to make payment arrangements. I would like the company to provide the documentation necessary to validate the debt and explain the basis for its collection efforts. I have retained copies of the text message and the email I sent on XX/XX/year>, and can provide them upon request. Thank you for your assistance in this matter.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
We have been trying to get XXXX to stop sending paper statements for the past 12 months. We have followed all of their instructions to receive paperless statements. We have received multiple emails stating that the account is paperless. We've spoken to the Flagstar President 's office. We were referred to XXXX XXXX The XXXX XXXX representative told us that XXXX has had an ongoing problem for the past year regarding this issue. The XXXX XXXX representative assured me that we would no longer receive paper statements in the mail. We received an email stating that our account is paperless. Today we received the statement in the mail. This is a breach of contract that exposes our personal information in the mail. I hope you can help.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by IC System , Inc. in the amount of approximately {$460.00}. I do not recognize this alleged debt, do not possess documentation establishing that I incurred the obligation, and have reason to believe the account may be the result of identity theft, mixed-file reporting, inaccurate attribution, or other reporting errors. I filed FTC Identity Theft Report XXXX. XXXX and notified the relevant parties that this account is disputed. Despite this notice, the collection account continues to be reported and is causing damage to my credit profile. IC System has not provided documentation sufficient to establish the identity of the original creditor, the contractual basis of the alleged debt, or competent evidence demonstrating that I am legally responsible for the obligation. I request that IC System conduct a complete investigation, provide documentary verification of the alleged debt, identify the original creditor, and immediately cease reporting and collecting the account unless it can be fully verified. If verification can not be produced, I request immediate deletion of the collection account from all consumer reporting agencies and cessation of all collection activity.

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 — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: SC

Complaint narrative:
On XXXX the XXXX my disbursement from a settlement was added to my roar account through moneylion bank. On this same evening I added the advertised coverage by becoming a XXXX member, this claimed to insure up to {$25000.00} from any fraudulent or other mishaps i may come across. On the XXXX I noticed charges that I had not made and swiftly moved to inform moneylion of such. The day of the XXXX I purchased a motorcycle and left out on a road trip with a close family member, however my wallet and phone were left in the care of the people who drove me to get the bike. We had been riding nearly four hours and simply called to make sure that the luggage was dropped off at my home and we continued on our ride. On the XXXX upon my returning home and realizing that my phone and my wallet had been stolen I contacted the law and on the XXXX I contacted the bank to let them be aware of my phone and card being stolen. I asked for my account to be frozen and upon hanging up I was certain it was a matter that was handled. From the XXXX till the XXXX I repeatedly was faced with the bank allowing the thieves to regain access and change my passwords and to finish draining my account of funds adding more funds from my father 's account and they continued to have my phone and access to my account. The law arrested them on the XXXX and charged them with five counts of transaction fraud equal to {$2500.00} or more and they are currently still investigating other parties that may have had a hand in some of the transactions I've disputed. The bank has closed my disputes claiming I had access to the account and knew of their actions which I clearly did not nor did I violate any of my agreed upon terms with the bank. Please help

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 — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Improper Handling of Unauthorized Transaction Claim and Misrepresentation of Reporting Timeline I am filing a complaint regarding Navy Federal Credit Unions handling of an unauthorized transaction dispute involving a {$500.00} XXXX XXXX charge. I disputed this transaction within the applicable reporting period. However, the institution repeatedly categorized the matter solely as a XXXX chargeback issue and ultimately denied relief by asserting that the 120-day chargeback window had expired. This characterization is inaccurate and incomplete. My dispute was submitted within the required timeframe, and the matter remained unresolved due to repeated procedural deflections and repeated responses focused exclusively on chargeback limitations rather than investigation of the unauthorized transaction itself. Throughout the dispute process, I repeatedly informed the institution that : I did not authorize the transaction I did not provide consent or authentication The issue concerned authorization and investigation obligations, not merely chargeback processing eligibility Despite this, the institution : Failed to provide evidence supporting authorization Failed to explain whether any authorization investigation was conducted Continued relying solely on XXXX chargeback timing rules Provided inconsistent and procedurally deficient responses over an extended period I am requesting review of the institutions handling of this dispute, including whether unauthorized transaction claims are being improperly denied based solely on chargeback timing rules without adequate investigation. Requested Resolution : Formal review of dispute handling procedures Written explanation of findings Production of authorization evidence if denial is maintained Reimbursement if authorization can not be substantiated Supporting correspondence is attached.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have moved back to XXXX in XX/XX/XXXX. Since I moved to XXXX I was using a XXXX voice number, but that service was stopped after a while. Now I do not have an active USA phone number currently and my XXXX voice phone number is still mapped to my Bank of America Account. I was able to access my account earlier with my credentials online, but now I am unable to do it. Now in XXXX when I am trying to access my Bank of America account via online, it's asking for a secondary verification via my previously registered phone number which is no longer active or to provide credit card details which expired on XX/XX/XXXX and using this method doest allow to login either. I tried to remove this secondary check or update my XXXX phone number, but the Bank of America support person could not support over call and is expecting to be in USA to resolve this. Currently I do not have any visibility to my account and do not have any idea what's my balance on account or if there are any deductions going on.

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

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 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: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am a victim of identity theft caused by exposure in multiple data breaches, including XXXX XXXX XXXX and other existing breaches. Fraudulent accounts and inaccurate reporting accounts were wrongfully placed on my credit file. These items are not mine and must be deleted. Under FCRA 604 15 USC 1681b inquiries require permissible purpose. FCRA 605B 15 USC 1681c-2 requires blocking identity theft data within 4 business days. FCRA 611 15 USC 1681i requires blocking disputed identity theft data. FCRA 623a6 15 USC 1681s-2 prohibits furnishers from reporting identity theft accounts. I demand immediate blocking and permanent deletion of all fraudulent accounts and inquiries and cessation of reporting to third parties. Failure to comply violates FCRA 616-617 15 USC 1681n 1681o. Account name : PENTAGON FEDERAL CREDIT UNION-407154

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 — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX XXXX XXXX my available credit was lowered by XXXX with no forwarning what so ever when i called them today and asked them about it they reran my income and mortgage amount and said i would here from them usually thats going to be a ( Sorry we could not help 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 non-monetary relief