vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion 's CFPB response to complaint # XXXX, received XX/XX/year>, confirms XXXX XXXX account ending XXXX status as " XXXX '' meaning the account was reinserted onto my credit file after prior deletion. I did not receive any reinsertion notice from TransUnion as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a bureau notify the consumer in writing within 5 business days of reinsertion, including the name, address, and telephone number of the furnisher. XXXX XXXX has separately stated in writing on XX/XX/XXXX and XX/XX/year> that it " does not retaliate against members who file disputes, claims, or complaints '' a denial directly contradicted by this reinsertion occurring during active federally supervised disputes. Reinsertion without proper certification and notice is a standalone willful violation under 1681n. WITHOUT PREJUDICE.

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 2026-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
On or about XX/XX/year>, Radius Global Solutions contacted my brother regarding me instead of contacting me directly. My brother informed me of the call. I contacted Radius Global Solutions and spoke with a representative ( XXXX XXXX ) who confirmed that they had my correct phone number listed as my primary contact but admitted they never attempted to call me. The representative stated they instead relied on a skip-tracing system that identified my brother as a possible contact and claimed they did not know he was a family member. This was a medical debt originating from XXXX that had been assigned to Radius Global Solutions approximately two weeks earlier. Had the company simply called the phone number they already had on file, I would have immediately addressed the account. Instead, they unnecessarily contacted a third party even through they possessed my direct contact information and made no attempt to use it. I believe this practice is improper because the company had the ability to contact me directly but chose not to do so before contacting another person. This also violates my privacy protection as the company name ( Radius Global Solutions ) was given to my brother during this phone call including the fact that they were attempting to collect a 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 non-monetary relief
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: ID

Complaint narrative:
1. Billing cycle XXXX I transfered approx. {$5800.00} from my XXXX XXXX XXXX to Citi 2. Opened my app for Citi and saw XXXX had transferred monies I expected, but there was another transfer from XXXX to my Citi Simplicity card. 3. Contacted Citi, they said contact XXXX XXXX. XXXX had me jumping through a bunch of hoops to get this settled. I requested and easier way. XXXX. XXXX put {$5300.00} in my checking acct to cover this. XXXX. Called Citi and requested all added fees to be taken off th balance I would be paying, and I will be happy to pay you today. I just need confirmation that fees will be removed. XXXX. No I owe them, but I didn't do it. It was from chase and I just want to wrap this up. XXXX. I canceled my Citi Simplicity card that day. XXXX. XXXX XX/XX/year> I recieved a letter stating they had had canceled my card and gave a new card to make payments. XXXX. XXXX XXXX I recived a letter stating I owe {$5500.00}. I was getting very anxious over this and made several calls stating the same. I will be happy to pay th {$5300.00} but fees must be removed. XXXX. On XX/XX/year> I called again and started taking notes. I requested a XXXX. No help, explained everything in detail again. Her response was you will receive a letter in XXXX days. I have never recieved a letter. XXXX. My credit score has dropped from around XXXX to XXXX as of today. XXXX. I have contacted an attorney and he requested I try XXXX XXXX. XXXX. They should not underestimate my resolve to take care of this. XXXX. I do not feel comfortable giving them what XXXX gave me due to their constant reluctance to waive fees on an amount I did not authorize.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Bank of America Business credit card with a promotional 0.00 % APR During the promotional period, my monthly billing statements displayed the Purchase APR as 0.00 % in the Annual Percentage Rate ( APR ) section. However, the statements did not identify the 0.00 % APR as a promotional or introductory rate, did not disclose the promotional expiration date, and did not provide any reminder that the promotional period was about to end. Based on the information presented on my monthly statements, I reasonably understood that my Purchase APR remained 0.00 %. After the promotional period ended, Bank of America began charging interest on my remaining promotional balance. When I reviewed my prior statements, I found no indication that the 0.00 % APR was temporary or that it would expire after a specific statement cycle. If the statements had clearly disclosed that the promotional APR was ending, I would have taken steps to pay the balance before interest began accruing. I believe the periodic statements were not sufficiently clear because they displayed a 0.00 % Purchase APR without identifying it as promotional or disclosing its expiration. I request that Bank of America review this matter and refund the interest charges that resulted from these unclear disclosures. XXXX XXXX with XXXX ; interest : 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 2026-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
A couple of weeks ago ( The week of XX/XX/XXXX I believe ) I went into XXXX XXXX XXXX to apply for a credit card and purchase a riding lawnmower with such. I figured this would be a breeze as I have a XXXX XXXX around XXXX, a mortgage, a truck, and multiple student loans all with no missed payments .. ever. All on a ~ $ XXXX income. I was told in store they were unable to make a decision at that time and I would hear by mail. I finally received that letter in the mail late last week. I was denied for the following reasons : " Your credit report shows your credit card accounts have low credit limits. '' I no longer have any credit cards so no sh... I have a low limit because that limit is {$0.00}. In the past 3 years however I did have a XXXX XXXX with a limit of {$8000.00}, and have since closed that account. I have tried to call Citi Bank many times on multiple different numbers to talk to them about this and dispute the denial. Every phone number turns into an endless loop pre-recorded messages and robotic teleprompts that refuse to direct you to a human being and eventually hang up on you, Every time. At one point I thought I had a human being but it was just a woman with very very poor XXXX in a pre-recorded memo about disputes. The fact that this company avoids human interaction behind robots is asinine, unprofessional, and makes business with them next to impossible. The denial letter only mentions disputing the credit report, which was accurate. I felt this needed to be disputed with the bank itself.

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 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received my XXXX XXXX state refund check of {$740.00} on XX/XX/year> and tried to make a mobile deposit that same day into my Truist bank account. Truist then placed a fraud hold on my account for XXXX business days to make sure the check was not fraudulent. On the XXXX business day of the hold, they then closed my account for fraudulent activity. I called to see why the account was closed and they refused to give me any information as they stated it was a liability to provide me with this information. During the fraud hold, I received two direct deposits from my employer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, of {$1300.00} and {$91.00}. In total, my account balance was {$2200.00} and I was issued a cashier 's check for {$950.00}. I can provide a call log as I have been calling them since the account has been closed and the money that is owed to me has not been re-issued to me. I have provided paystubs for my bonus I received from my employer stated above ( {$91.00} ) and my direct deposit ( {$1300.00} ) and I have provided a snapshot of my XXXX XXXX online account where it shows my account was credited the {$740.00} that they flagged as fraudulent activity. Upon calling the XXXX XXXX, they stated I could not do a mobile deposit for the check they mailed to me, which also I was never informed of. Since then, Truist has stated they have sent my money that is owed to their XXXX team in the case that someone else has a claim to my money which I have proven is legally mine. They also have not provided any documentation that it is still in recovery or how to help with the investigation they have claimed is ongoing for 3 months with no resolution.

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 2026-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I am filing a complaint against Ally Auto regarding my XXXX refund following the payoff of my auto loan after my vehicle was declared a total loss. Although my loan has been paid off, Ally Auto still owes me approximately {$1300.00} from my XXXX refund. I have attempted to resolve this issue, but Ally Auto has delayed the refund and has made errors during the process. Despite my efforts to obtain information and a resolution, I have still not received the money I am owed. I keep getting told someone will be in touch with me with answers and I never receive answers. I was supposed to know for sure why my check was delayed by XX/XX/XXXX. I have received no information and I called again today. I still have no information. I am requesting that the Attorney Generals Consumer Protection Division investigate this matter and assist me in obtaining my approximately {$1300.00} XXXX refund as soon as possible. I also request that Ally Auto provide a clear explanation for the delay and correct any errors that have prevented my refund from being issued. Thank you for your time and assistance.

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 2026-06-30 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 explanation
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: FL

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for a credit card thinking I was getting an XXXX point offer but instead it was a XXXX point offer. I followed up over 8 times with citi to try and fix this but they seem unwillling or unable to 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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for XXXX Citi Bank cards- the Citi Simplicity and AAdvantage Platinum Select World Elite XXXX. I was denied the Citi Simplicity card ( application ID XXXX ) due to " the credit privileges on your existing account ( s ) are currently restricted ''. I do not have any existing accounts with Citi Bank. I had XXXX cards opened 3 years ago, but were closed by them. I never missed a payment and paid them off completely. This information is false and I should not have been denied credit. As for the AAdvantage card ( application ID XXXX ), I was denied because " we couldn't verify some of the information on your credit report ''. I called and they asked be to verify my address and then said they still couldn't verify it. It's the same address that's showing " current '' on my credit report. It makes no sense how this information is not able to be verified. I tried to ask more and no representative could give me any additional information or override it when I confirmed it indeed was correct and current. I called the day that I got denied and was told I had to wait to get and now they want me to apply in XXXX days. This is not fair. I had a XXXX XXXX XXXX, XXXX XXXX debt, and no hard inquiries when I applied. I should not have to wait to apply when there was no reason for me to be denied credit in the first place. I am exercising my rights under the federal Equal Credit Opportunity Act and the Consumer Credit Protection Act. I have also attached a copy of my XXXX credit report from XX/XX/2026 to show proof of my address, all information, and how I don't have existing accounts with 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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
About two years ago I received a letter, with what I thought, was a dummy credit card from Jet Blue, a division of Barclays Bank. The " dummy '' credit card had my name on it with information in the letter stating how I could open an account ; as many credit card companies do for promotion. I discarded the card. About a month ago I received a letter from Jet Blue stating that I had a debt and threatened to send to collections. There was no amount in the letter stating how much the debt was for and no return envelope. I had never opened nor applied for an account with this company and the time since they sent me the original dummy card, I never received any statements in the mail showing purchases. I disregarded the letter ( I saved it for my records ) stating I had a debt, believing it was a scam just to try to access my information. Last week I received a letter from XXXX XXXX XXXX, stating that I owed JetBlue a balance of {$1300.00}. I immediately called Barclays, who owns XXXX XXXX, to inform them I never opened an account and wanted to report fraud. I was given a number to their security dept which I then called. The operator wouldn't give me any information unless I gave her my address so they could send me a {$100.00} voucher. I refused to give my address as I was very suspicious at this point. I then contacted XXXX XXXX XXXX to inquire of the debt. They confirmed it with my SS number. They said the purchases were made in 2025 but could give me no details on what the purchases were. Feel free to contact me if you need the numbers/address of Barclays or XXXX XXXX XXXX One additional fact that may be of relevance, I was in the XXXX about 6 years ago at XXXX hospital in XXXX, MI, which is now named XXXX XXXX. I received notice about three or so years ago that there was a data breach and my personal information was compromised. Thank 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 explanation
Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened a business account at Bank of America and it came with the attached bonus offer of XXXX and I never received 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 2026-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im requesting that Citi Bank immediately conduct a full review of my account to resolve the erroneous Advance Payment charges of {$3900.00} applied on XXXX/26XX/XX/XXXX. I never had XXXX XXXX. I only paid credit card bill of {$3900.00} on XXXX26. Same amount appeared as Cash Assistance, which is an banks error. While the bank acknowledged the error regarding the associated interest charge of {$90.00} and reversed it. They failed to reverse the principal error of the {$3900.00} XXXX XXXX charges. Consequently, this incorrect charge appeared on my XX/XX/XXXX2026 XXXX and forced to pay this amount unnecessarily.

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: 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: MD

Complaint narrative:
I am writing to formally APPEAL the denial of my recent transaction dispute ( Claim/Case Number : XXXX ). Citibank denied my claim under the absurd and unlawful premise that because I authorized a prior transaction with this merchant, all subsequent charges are deemed authorized. I state categorically for the record : I provided a strict, one-time authorization for a single, specific transaction. The merchant retained my card information without my consent and processed a subsequent, completely unauthorized charge. Today, XXXX XXXX, 2026, at XXXX PM, I spoke with XXXX, a Senior Account Manager based in Kentucky. During this call, she stated that if a customer gives a merchant a one-time authorization, the merchant is allowed to continue using the card at any time afterward. Do not tell me that because I bought from a merchant once, they have a lifetime pass to my wallet to charge any amount without my consent, awareness, or acknowledgment. This logic violates federal law and credit card network regulations. Is this how Citibank protects its customers? Under the Fair Credit Billing Act ( XXXX ) and Truth in Lending Act ( Regulation Z ), an " unauthorized charge '' is defined as any charge made by a person who does not have actual, implied, or apparent authority to make such a charge. One-Time Authorization is NOT Continuous Consent : A single payment authorization strictly expires once that specific transaction is processed. No Recurring Agreement Exists : I never signed, checked a box, or agreed to any continuous subscription or future billing with this merchant. Furthermore, this is an ongoing criminal matter that has been officially reported to law enforcement. I have already provided full documentation to Citibank 's internal investigation team ( XXXX ) on XXXX XXXX, 2026, at XXXX AM. By denying this dispute despite an active police report, Citibank is failing its legal obligation to protect consumers from merchant fraud. You are essentially legalizing theft by allowing a merchant to repeatedly charge a customer 's card without explicit consent for each new transaction. I have been bounced around endlessly between Fraud, Dispute, Billing, and Security Operations, receiving completely conflicting information at every turn. I demand that a representative from the Executive Customer Relations team contact me immediately to take ownership of this case, review my account notes, and formally process this dispute as an unauthorized charge.

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