vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I purchased a car in XXXX on a fixed 11.75 % interest, amount financed {$13000.00} for 60 months at {$300.00} monthly beginning XX/XX/year>, but XXXX XXXX showing intersest rate of 22.75 %. I have just made my final payment under protest. I do not have any paperwork from XXXX because the credit union never provided it, and I demand the CFPB compel them to audit this loan and refund my 44 months of overpayments.

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 2026-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX and have previously filed an official Federal Trade Commission ( FTC ) Identity Theft Report. Multiple fraudulent accounts have been opened in my name by an identity thief without my knowledge or consent. Despite disputing these fraudulent accounts and reporting the identity theft, the credit reporting agencies have failed to permanently block or remove this inaccurate and fraudulent information from my credit file. As a direct result of these unresolved fraudulent balances remaining on my record, the XXXX XXXX XXXX ( TOP ) has intercepted and entirely withheld my recent XXXX federal tax refund to pay for debts that I do not owe. The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation and failing to block fraudulent information resulting from identity theft. I am demanding that the credit bureaus immediately block all fraudulent accounts from my credit report, update their systems to show a XXXX balance for these items, and provide confirmation so that I can submit this to the XXXX XXXX to reverse the fraudulent tax refund offset.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Torriere Holdings INC
State: NC

Complaint narrative:
recovery company XXXX XXXX XXXX called and would not let me off the phone for XXXX minutes, after I told them I could not afford to pay the settlement they were offering and could not make a payment today. They said they were going to report to the original lender, XXXX, that I took out this debt with the intention of never paying it back. They harassed me for XXXX minutes, belittling and threatening me if I did not make a payment today and also agreed to a payment plan today. Even after telling them I have talked to an attorney and working on filing bankruptcy, they insisted I make some kind of payment today.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX BEST BUY/CitiBank In the beginning of having this credit card I used to pay far over the minimum amount due ( {$100.00} a {$200.00} or more monthly payments ( XXXX ). BUT in XXXX ti now Ive paid the minimum or $ XXXX more. I never noticed red flags before because I had a good cushion of available funds to use. The Issue Now : In XXXX XXXX I started noticing that my remaining balance never reduced to reflect that I even made a payment. When. I called to ask why, I was referred to call CitiBank. I did, and the representative said they also tackled on {$30.00} to the remaining balance until the balance is XXXX. I told her You already charge interest, so how is pocketing an additional just because charge ethical? She said that is their policy. In XXXX I called again to challenge what they do, the unfair disadvantage of the extra fee earning them unentitled funds that forces a longer time for customers to actually pay off the balance. Same answer was given. Now I am presenting to you what I see as padding payments for their bottom line.by Trick Charges added 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 monetary relief
Consumer complaint received 2026-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: IA

Complaint narrative:
There is a student loan that i never got never applied or received any money and it's been taking a hard hit on my credit for XXXX I would like this fixed asp I have try to call the number no answer I tried to log in on the site with my ssn and bday amd it said no account I need this fixed now it's been going on for XXXX and XXXX XXXX now

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
EMERGENCY ESCALATION : Following a dispute over a discretionary hold on a XXXX XXXX IRA distribution check, Citibank has completely blocked and frozen my entire bank account. The fraud department is closed until Monday, leaving me with XXXX access to any funds. This is a severe humanitarian emergency. Citibanks automated shutdown has completely cut off my ability to buy food for my minor children or pay critical housing expenses. I am facing immediate eviction and hunger due to Citibank 's total denial of service. I demand an immediate manual review by Citigroup 's Executive Response Team to unfreeze my account.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I've been with XXXX XXXX for several years with three credit cards from them. They have blocked me from making purchases with my card by limiting or restricting my card. I bank with XXXX XXXX XXXX I have verified my bank with them and XXXX with a member of XXXX XXXX XXXX department. The problem that presents is a Wells Fargo account that I reported to them a long time ago. The Wells Fargo account I do not own. They restricted my card until investigation is over with it's been about 20 days still no results from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased my car in XXXX, and recently sold the car while there was still a loan on it with Ally Financial. On XX/XX/XXXX, my auto loan with Ally Financial was paid in full by the buyers lender so that ownership of my vehicle could be transferred. As of XX/XX/XXXX, more than 52 days have passed, and Ally has still not released its lien on the vehicle. Because the lien has not been released, the Michigan Department of State has been unable to complete the title transfer to the buyer. I have contacted Ally numerous times to resolve this issue. Each time, I have been sent the same document, but the Michigan Department of State has advised that the document is not sufficient to release the lien or complete the title transfer. Each time I contact Ally they say they will send the signed release of lien letter, but it has never come. I am only getting a pay off letter which is not sufficient for the new owners to transfer the car into their name. The bank of the new owners who paid Ally have tried calling and Ally refused to speak with them. They are stating they will only speak with me, but each time I call I get a different answer. Sometimes they say they are sending it, today, ( XX/XX/XXXX ) they said I am not allowed to receive the release of lien. Only the bank of the new owners can call. Despite repeated phone calls and requests, Ally has not corrected the problem or provided a timeline for resolution. This unnecessary delay has prevented the buyer from properly titling the vehicle and has caused significant inconvenience. I have made every reasonable effort to resolve this matter directly with Ally, but the issue remains unresolved.

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 2026-06-28 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-06-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized ACH debit in the amount of {$950.00} from my Wells Fargo business account belonging to XXXX XXXX XXXX XXXX. The transaction occurred on or about XX/XX/year>. I did not authorize this debit, nor do I have any business relationship with the originating merchant. Wells Fargo denied my claim solely on the basis that the ACH return deadline had passed under NA CHA rules. However, this does not address the core issue : the transaction was unauthorized.

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a dispute case XXXX going on for more than a month now its been XXXX whole month and they havent said a word about my dispute case I had originally gotten a refund from my merchant but my merchant couldnt refund me and needed insistent from my bank and so I disputed the charge and now my bank still hasnt refunded my money back

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 2026-06-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] [ XX/XX/year> ] [ Harris & Harris , Ltd. ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ] [ XXXX, IL XXXX ] Re : Request for Investigation and Deletion of Collection Account and any negative reporting To Whom It May Concern : I am formally disputing the accuracy and validity of the collection account listed Harris & Harris , Ltd- File XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, I request that you conduct a reasonable investigation into this account and provide verification that this debt is accurate, complete, and legally reportable. I dispute this account for the following reasons : The alleged debt has not been properly validated. I have not been provided sufficient evidence bearing my signature proving contractual obligation. The information being reported may be inaccurate or incomplete. The collection agency has failed to provide competent evidence that they are legally authorized to collect this alleged debt. Additionally, pursuant to the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ), I have requested validation of this alleged debt and demanded cessation of now or future collection reporting activity until proper validation is provided. If this account can not be fully verified pursuant to federal law, I request immediate deletion of the account Please provide me with : Copies of all documents used to verify this account The method of verification used The name, address, and phone number of any party contacted during your investigation I also request that you cease reporting this account to all major credit report bureaus [ XXXX XXXX XXXX ] now or future reporting if accurate verification can not be produced. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
The Allys app wouldnt allow me to make a payment causing it to go past due. They have reported a late payment when I know it never went past due. I made the payment in time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 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: AK

Complaint narrative:
On XXXX XXXX I requested a balance transfer credit card on the Wells Fargo website in the amount of {$4500.00}. On XX/XX/XXXX, Wells Fargo issued me a formal letter stating the balance transfer was sent per my request. However, as of XX/XX/XXXX and again on XX/XX/year>, the receiving financial institute has confirmed that no such funds have ever arrived. On XX/XX/year> I contacted Wells Fargo credit card department and spoke to XXXX, to obtain a Federal Reserve ACH Trace ID so the missing funds could be manually located. Wells Fargo customer service stated that it would take up to 90 days to provide this basic transaction tracking number. telling a consumer that a standard transaction trace ID requires 90 days is a bad faith, stalling tactic designed to run out of my 60 day legal window to dispute billing errors under the fair credit billing act and Wells Fargo has effectively applied the amount shown above to my credit card plus balance transfer fees, claiming the transfer is complete, but refuses to provide the legal tracing proof required to locate the money. Desired resolution : I demand that Wells Fargo immediately escalate this to their executive compliance office to provide a valid federal reserve ACH trace ID or paper check reference number within 15 days or completely reverse the transaction and credit my account for the full amount plus any occurred fees/interest.

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 2026-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Collection account from MERIDIAN FIN with account and a balance of {$0.00}. The original creditor is XXXX XXXXXXXX XXXX XXXX. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I applied for a credit card with the company and they locked my accounts leaving me with no access to my funds. They said it is under internal review and may take a week.

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 2026-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
" Starmark Financial LLC is reporting a collection account of {$2700.00} on my credit file. This account is tied to an old address that has been permanently removed and does not exist anywhere on my current credit report history. Because there is no matching address profile, this account can not be accurately verified or matched to my identity under the Fair Credit Reporting Act 's maximum accuracy requirements. Furthermore, Starmark Financial violated CFPB Regulation F by 'parking ' this debt on my file without ever establishing initial consumer contact or sending a validation notice to an address on my active file. I request immediate and permanent deletion of this unverified trade

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint against Regions Bank and Regions Financial Corporation because of ongoing and unexplained discrepancies involving my checking account and the banks failure to adequately investigate my concerns. Beginning around XX/XX/year>, I noticed that my account balance appeared to be decreasing by more than my actual spending. I repeatedly observed transactions showing as pending and later posting, but when certain transactions posted, my available balance appeared to decrease by more than the amount of the transaction itself. I can not reconcile these reductions, and I believe there are unexplained balance discrepancies that require investigation. On or about XX/XX/year>, I reported these concerns to Regions Bank and was informed that a claim had been opened. Since then, I have repeatedly contacted the bank seeking updates and an explanation, but I have not received a satisfactory response or evidence that my account has been thoroughly reviewed. I have also experienced poor customer service while attempting to resolve this matter. While researching possible causes, I found descriptions of transaction-processing irregularities involving manual ledger adjustments, forced offline overrides, pending transaction manipulation, or hidden holds that may affect a customers available balance. I am not stating that this has occurred in my account as a fact. However, the description closely resembles what I have observed, and it is one reason I am requesting a comprehensive investigation into my account activity. I request that the CFPB require Regions Bank to conduct a complete audit of my account, including all posted transactions, pending transactions, authorization holds, internal ledger adjustments, reversals, balance calculations, and any other account activity affecting my available balance. I also request a detailed written explanation of the findings and reimbursement of any funds determined to have been improperly deducted. I am requesting that this matter be reviewed for compliance with the XXXX XXXX Transfer Act ( XXXX XXXX. XXXX et seq. ) and Regulation XXXX ( XXXX C.F.R. Part XXXX ), including the banks obligations to investigate reported account errors. I also request review for compliance with the XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX and XXXX ), which prohibits unfair, deceptive, or abusive acts or practices involving consumer financial products and services. My goal is to obtain a complete explanation of why my account balance has repeatedly appeared lower than expected, ensure that all account activity is accurately accounted for, and have any errors or unauthorized deductions 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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: DC

Complaint narrative:
MoneyLion has not released my payroll direct deposit and states that the delay is due to my employer. They continue to blame my employer even though the payroll files were submitted almost XXXX weeks ago. I am on a semi-monthly pay schedule where I get paid on the XXXX and XXXX of every month, making my official payday Tuesday, XX/XX/year>. My timesheet was submitted on Monday, XX/XX/XXXX, and my employer transmitted the payroll file to the network by Wednesday, XX/XX/XXXX. The Federal Reserve XXXX network typically processes and transfers payroll files to banks within XXXX to XXXX business days, meaning MoneyLion and their partner bank, XXXX, XXXX, have had this file for over a week. My coworkers ' deposits are processing normally for Tuesday, which indicates the employer file was successfully sent and cleared. MoneyLion advertises up to 2 days early direct deposit, including weekends. Based on my history with the app, my early deposit usually posts no later than XXXX XXXX on weekends and no later than XXXX XXXX on weekdays. MoneyLion has been consistently late with my payments recently, and customer service continues to state they have not received the file. I request that my payroll funds be located by MoneyLion and XXXX, XXXX, and credited to my account.

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