vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 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: CA

Complaint narrative:
In XX/XX/XXXX, I signed an orthodontic treatment contract and paid {$1700.00} for a XXXX treatment. The contract required a defined treatment plan, monitored progress, completion of treatment, removal of braces, final records, and retainers. None of these services were delivered. The provider never created a treatment plan, did not monitor progress, did not complete treatment, and is unable to finish the work. The XXXX treatment term expired with no completion, and my braces are still on. This is a failure to perform the contracted service. I attempted to dispute this charge with Wells Fargo on multiple dates in XX/XX/XXXX. Representatives refused to file the dispute under Services Not Rendered / Failure to Perform and insisted on misclassifying it as dissatisfaction, even though the contract defines the service as a completed orthodontic treatment, not the installation of braces. During my final call, a supervisor in the Dispute Resolution Team named XXXX ( employee ID XXXX ) stated he didnt care about the complaint, refused escalation, refused to document the refusal, and then hung up on me. Wells Fargo refused to process the dispute correctly and refused to follow Fair Credit Billing Act dispute requirements. I am requesting CFPB assistance to : Require Wells Fargo to file the dispute correctly as Services Not Rendered / Failure to Perform Ensure a proper investigation based on the contract Address the mishandling and refusal by the dispute supervisor I am attaching the orthodontic contract and supporting documents showing the provider failed to perform the contracted services.

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 2026-06-24 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: TX

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax , Experian, Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2026-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Work had slowed down so unable to pay vehicle on time. Had to surrender

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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Obligo Inc.
State: MS

Complaint narrative:
This debt collector has done unjustifiable practices the FDCPA which it prohibits. They furnished this account that we didn't agree upon and 1 didnt sign an agreement on. A legal contract is signed by two parties and 1 did not participate in any of it. they didn't follow the proper 5-step validation procedure According so the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abased my privileges. I demand this account be taken off immediately. This is extremely stressful, I have bad XXXX due to these accounts! I am losing sleep and really needing them removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America. I have experienced a financial hardship and have attempted to proactively work out a payment solution requesting lower interest rate and monthly payment calling them twice in the past month. BOA has denied me access to their hardship program. They offered credit counseling. Why should I pay someone else monthly to negotiate a lower interest rate when I can and should be able to do it myself. BOAs website shows they offer hardship assistance and to call them. Thats what I did. I have never been late with a payment in the XXXX years Ive been a customer of BOA. This is the first time I have ever requested hardship relief with anyone. Im not trying to get out of paying the amount I owe. I want to pay them. I have been XXXX the past XXXX years. My financial issues are due to medical and my monthly income reduced by $ XXXX a month. Before the income reduction I was managing to pay my bills ok. BOA should work with their customers.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX am filing this formal dispute regarding an inaccurate tradeline appearing on my TransUnion credit report. Account : XXXX XXXX XXXX Account Number : XXXX Date Closed : XX/XX/year> The account is currently reporting with a pay status of " Current Account, '' which is factually inaccurate. This account was paid in full and reportedly closed as of the date noted above. The correct pay status should reflect : Paid, Closed; was Paid as Agreed. This misclassification misrepresents the account 's standing and has a material impact on my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable investigation of disputed information and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days of receiving a dispute. All responses and resolutions must be submitted directly through this CFPB complaint portal. Mailed responses will NOT be accepted.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am filing a complaint regarding Citibanks decision to close my checking account, savings account, and certificate of deposit ( CD ) account without providing any specific reason. I have been a Citibank customer for approximately XXXX years and have maintained my accounts in good standing throughout that time. I have never knowingly violated any account terms, engaged in suspicious activity, or received any prior warnings regarding my banking relationship. Recently, I received notice that Citibank intends to close all of my accounts effective XX/XX/year>. When I contacted Citibank to understand the reason for this action, I was not provided with any specific explanation. I was simply informed that the accounts would be closed. As a long-term customer, I am deeply concerned that Citibank has chosen to terminate my entire banking relationship without providing a reason or giving me an opportunity to address any concerns. The lack of transparency makes it impossible for me to determine whether this decision was based on inaccurate information, a misunderstanding, or an internal 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 2026-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: AutoCred, Inc.
State: CA

Complaint narrative:
This complaint is about AUTOCRED INC ( XXXX, CA ) reporting an inaccurate and unlawful auto-loan deficiency on my credit reports with XXXX, XXXX, and XXXX. The auto loan was opened XX/XX/XXXX ( used vehicle ), original balance {$8600.00}. The vehicle was repossessed in early XXXX. The account was charged off in XX/XX/XXXX with a stated written-off amount of {$4800.00}. Despite the charge-off, AUTOCRED increases the reported balance every single month. The XXXX 24-month history shows it growing steadily : {$6200.00} ( XX/XX/XXXX ) to {$8400.00} ( XX/XX/XXXX ), increasing about {$98.00} per month. As of XX/XX/XXXX the reported balance is {$8500.00} nearly the full original loan amount and far above the {$4800.00} written off. This is inaccurate and unlawful for several reasons : 1. The status line is internally inconsistent : it states " {$4800.00} written off '' while reporting " {$8500.00} past due. '' 2. The reported balance ( {$8500.00} ) is essentially equal to the original loan ( {$8600.00} ), even though the vehicle was repossessed and presumably sold. The sale proceeds are not reflected as a credit, and there is no indication the sale was commercially reasonable. 3. Under the California Rees-Levering Automobile Sales Finance Act ( Civil Code sections 2983.2 and 2983.8 ), a borrower is liable for a deficiency only if the lender gave a compliant Notice of Intent to Dispose within 60 days of repossession and the sale conformed to the Act and to Commercial Code section 9610. I have no record of receiving any compliant Notice of Intent to Dispose or any post-sale accounting. If those requirements were not met, AUTOCRED has forfeited the right to collect any deficiency and the balance it reports is not legally owed. I have disputed this account through the credit bureaus. AUTOCRED " verified '' the account and confirmed the debt without correcting the inconsistent, growing balance or providing the documentation required by Civil Code section 2983.2. My most recent bureau dispute ( XXXX ) was closed within hours with no change and identical before/after results, indicating no genuine investigation occurred. Supporting documentation ( identical before/after dispute results and the 24-month balance history showing the monthly increase ) is available on request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unity Asset Management
State: CA

Complaint narrative:
Repeated phone calls from spoofed numbers stating that I had work complaints to address. Lying about their intentions then leaving voicemails with different numbers. Repeated harassment even after being asked to stop being contacted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: GA

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 2026-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was reached out to and informed my credit card and car note were delinquent on XXXX from a navy federal representative. She asked if Id be able to pay anything towards my credit card, and car note and what was the reason for a delinquent status. I explained that I was going through a hardship and I wouldnt have the funds until I got back to school in XXXX and started receiving enough to pay them off in full. She assured me all I had to do was set up a payment arrangement for that time frame and reassured me that as long as after that call I honor the arrangement my accounts would be fine and I wouldnt be repossessed or I wouldnt have any adverse action taken. I left my accounts as is until I was able to take care of them. She said she would annotate those reason on my account and I was just required to be in contact if anything changed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
They sent me a letter indicating their intent to pursue legal action on a zombie debt almost XXXX XXXX XXXX. They filed a motion with the court for a default judgment without proper notice to me, and were unable to hire an attorney to dispute the zombie debt. XXXX XXXX XXXX were sued by the state of XXXX XXXX for this exact behavior. This judgment, if they press it, is causing me undue stress, as they have not contacted me about it in over 8 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing a complaint regarding a XXXX debit card merchant dispute ( Merchandise Not Received ). The bank is misrepresenting my consumer rights. While the bank claims Regulation E does not cover merchant non-delivery, they are in direct violation of XXXX Rules and the Fair Credit Billing Act protocols for debit networks. The bank 's standard policy of withholding funds for 120 days without processing a chargeback constitutes an unfair and deceptive financial practice under the CFPA.

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 2026-06-24 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: NC

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 2026-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My consumer credit file contains inaccurate, incomplete, and unverified information that requires immediate reinvestigation and correction under federal law. Pursuant to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), any information that can not be properly verified must be promptly deleted or corrected. The continued reporting of unsupported information violates my rights as a consumer and fails to meet the FCRAs requirement of maximum possible accuracy.

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 2026-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
My Quick Wallet, used my general loan inquiry information and entered me into purgatory loan that I didn't agree to or apply for with this company. This is a fraudulent loan company took over {$400.00} from my bank account for a {$300.00} loan. I contacted the company in regards to this matter and informed them that they fraudulently entered me into a loan that had a ridiculous interest rates and repayment amount that tripled the amount of the supposed loan. I asked them to produce the agreement that I supposedly agreed to but, they never furnished me. After, I contacted them I made a claim with my bank, who also reached out to this fraudulent loan company in regards to them withdrawing unauthorized, but my bank received no response. So as a result my bank refunded the funds and any overdraft fees from the transaction back into my bank account. Then, My Quick Wallet emailed me for a settlement amount to settle the fraudulent after the have already taken out over {$400.00} for a {$300.00} purgatory loan, and they threatened to take further action if I don't settle the account. I was instructed by my bank to contact and report them ( My Quick Wallet ) to the CFPB in hopes of reporting this fraudulent purgatory loan company and this issue being rectified.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MA

Complaint narrative:
I have two accounts at Netspend Bank. one is my direct deposit account the other is a typical debit account. i rerurned a guitar amplifier to a seller then i got confirmation it arrives and he sent an email proving he returned the money. Netspend bank sent me a replacement debit account fir that debit account ending in last four numbers XXXX i called the bank to schedule another replacement card sonce the one originally sent was returned for an incomplete addres. i called to have another card sent and they told me XXXX cents was in the account in soite of the fact XXXX was returned. i have had false info about my account balance for over a year and suspect they are lying. they have shorted my money as is evident in four previous complaints. im broke have XXXX in my XXXX and XXXX and their banking activity ha caused XXXX problems for over a year. i want my money.

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 2026-06-24 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 XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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