vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On Wednesday, XXXX XXXX XXXX, I received a phone call from USAA stating they were a representative from the Fraud Department. This individual had detailed information about my account and did not ask me to verify as they were aware of all my account information. This led me to believe, with the phone number and information, that it was a valid Fraud representative. They told me that my account was being hacked by an agent at XXXX and that I should go over immediately. I drove to the bank and was instructed by the agent to transfer money as a test to catch the XXXXXXXX XXXX agent executing work incorrectly. I followed the lead of the individual as I believed they were a USAA representative. When I got home, I was unable to log into my account and I immediately knew something was wrong. I called USAA the next day and they said it was fraud. Since then, I have filed multiple appeals. USAA continues to state that they will not reimburse me, I am at fault. While I know I'm responsible for transferring the money, they need to take accountability for their actions. In XXXX XXXX XXXX USAA did verify that my security was compromised and someone was in my account. This is why I trusted this individual. The level of information they had was above the level of fraud I have dealt with previously. USAA did not protect my information which led to a fraud being executed successfully. They are not taking any responsibility for my security breach and the impact it had. I understand I had a role, but USAA would not even discuss partial recoupment with me, they continue to state it is ALL my fault. I would like them held accountable for not protecting my account and allowing someone in to access ALL my information and lead me to trust a fraud tactic.

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 2026-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never gave permission for these accounts and inquiries to be included or added on my credit report, and this is a response on the third-party allegations, this is my personal request, and I already included my documents for you to check. Update the late payments to positive as well. Also, I personally authorized, reviewed, and submitted this dispute regarding inaccurate information appearing on my credit report. No third party submitted this dispute on my behalf without my knowledge or consent.

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 2026-06-02 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: TX

Complaint narrative:
I never gave permission for these accounts and inquiries to be included or added on my credit report, and this is a response on the third-party allegations, this is my personal request, and I already included my documents for you to check. Update the late payments to positive as well. Also, I personally authorized, reviewed, and submitted this dispute regarding inaccurate information appearing on my credit report. No third party submitted this dispute on my behalf without my knowledge or consent.

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I am a former XXXX cardholder whose account was transitioned to Citibank. Due to a technical database error on Citi 's end, I am completely locked out of creating an online profile. Every attempt triggers a system error telling me to contact support. Customer service gave me a fake IT case number, promised an email follow-up, and ghosted me. Executive numbers lead to dead recordings and the chat feature is inaccessible. The bank is actively denying me digital access to view my financial statements and manage my account. I need an executive technical specialist to manually override and set up my online profile

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 2026-06-02 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: UT

Complaint narrative:
Inaccurate, incomplete, and unverified information is currently being reported on my consumer credit file and requires an immediate and lawful reinvestigation in full compliance with federal law. Pursuant to Section 611 ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), any information that can not be verified through reasonable and proper procedures must be promptly deleted or corrected. Continued reporting of such information without sufficient evidentiary support violates my rights as a consumer and fails to meet the statutory obligation to maintain 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 explanation
Consumer complaint received 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint regarding Capital One 's handling of my credit card account. My credit card has been restricted for over a month, preventing me from using it for everyday purchases, bill payments, and other essential transactions. During this time, I have contacted Capital One more than ten times seeking assistance and clarification, but I have not been provided with a clear explanation for the restriction or guidance on how to resolve the issue. Capital One repeatedly requested identity verification documents, proof of address, and bank statements. I fully complied with every request and have submitted documentation more than six times, including bank statements from three different financial institutions. However, my documents continue to be rejected without any explanation regarding the specific reason for the rejection or what additional information may be required. As a result of this prolonged account restriction, I have been unable to access or redeem my rewards, and several automatic payments linked to the card have failed. These failed payments have caused me financial inconvenience and have resulted in late fees and penalties. I have made every reasonable effort to comply with Capital One 's verification requirements, yet the company has not provided meaningful assistance, transparency, or a clear path toward resolving this matter. I respectfully request that Capital One promptly review my case, provide a specific explanation for the repeated document rejections, restore access to my account if appropriate, and address any damages or fees incurred as a result of this unresolved issue. Case number with capital one : XXXX Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
case XXXX I opened my Wells Fargo account with the understanding that I could avoid monthly service fees by meeting the account requirements that were explained to me at the time. Over time, Wells Fargo began charging monthly service fees to my account. Between approximately XXXX XXXX XXXX XXXX XXXX I was charged about {$100.00} in fees. After noticing the charges, I contacted Wells Fargo and requested that the fees be reviewed and refunded. I explained that I was not aware that the requirements had changed and that I did not believe I had received adequate notice regarding any changes that would result in these fees being charged. Wells Fargo reviewed my request but refunded only {$10.00} of the approximately {$100.00} that was charged. I do not believe this resolution was fair. I am requesting that Wells Fargo conduct a further review of the fees charged to my account and refund the remaining amount. I am submitting this complaint because I believe the fees were assessed without sufficient notice and because Wells Fargo did not provide an adequate resolution when I attempted to resolve the issue directly with the bank.

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 2026-06-02 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
On XX/XX/year> I was a month ahead on my mortgage payment with PennyMac and per company website I qualified to sign up for biweekly payments. I called the company on XX/XX/XXXX and spoke with a representative. During that call I requested biweekly payments to start XX/XX/XXXX she said its too short of notice to start on XX/XX/XXXX but she offered for them to start on XX/XX/XXXX I said that was fine. We confirmed the biweekly payment amount and payment method. On XX/XX/year> I assumed the payment was still processing because it was not showing it was being deducted from my checking account. On XX/XX/year> I logged into my online checking account to see it still wasnt showing so I went on PennyMac online account and noticed my autopay schedule had been canceled and went into the documents on my online account to see on XX/XX/XXXX a document had been added to let me know autopay had been cancelled. When I get on the phone with a representative she says that I no longer qualify for the biweekly because I am no longer a month ahead on payments. I requested to speak with management who then told me even though I was told the biweekly payments would start on XX/XX/XXXX theres no way she could override the system and allow us to qualify for the biweekly without making the full mortgage payment today and then start biweekly on the XXXX. I explained to the supervisor that if they took a XXXX time payment today of half the mortgage payment and have the other half deducted from my checking on XX/XX/XXXX the loan would still not be past due and the biweekly payments could continue from there. She said she would review the call but I need to be prepared to make the whole mortgage payment and not be able to qualify for biweekly payments. I feel this company is falsely advertising and not training there representatives correctly. All phone calls are recorded with this company so everything that representative told me on XX/XX/XXXX should still be the agreement today. Before this loan with this company, the original home loan we had with this company also did not pay our property taxes which led to our property being in the newspaper for auction and then ended up raising our mortgage payment by {$400.00} a month in the middle of the year. This company needs to be informed of their wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am requesting the CFPB 's assistance regarding Midland Credit Management 's continued efforts to collect an alleged debt while refusing to provide the basic documentation necessary to verify the amount they claim is owed. For several months, I have repeatedly requested documentation showing how Midland calculated the balance they are attempting to collect. My requests have included an itemization of the debt, interest calculations, fee assessments, payment history, charge-off balance information, and documentation supporting any additions made to the balance after charge-off. Despite these reasonable requests, Midland has failed to provide the records necessary to substantiate the amount they claim I owe. Instead of responding to my requests for documentation, Midland continues to demand payment and has recently issued a " Pre-Legal Notification '' suggesting possible legal action. I find it troubling that Midland is willing to threaten litigation over a specific dollar amount while refusing to provide the very records that would allow me to determine whether that amount is accurate. As a consumer, I should not be expected to simply accept a balance without being provided the underlying documentation supporting it. Additionally, Midland 's correspondence states that I requested communications cease. This characterization is misleading. I have not refused to communicate. In fact, I have repeatedly contacted Midland in an effort to obtain documentation and resolve this matter. My communications have focused on verifying the debt and understanding how the balance was calculated. My concern is that Midland appears to be attempting to collect an amount that it has not adequately substantiated despite multiple requests. If Midland possesses documentation supporting the balance, I respectfully request that it be required to provide that documentation. If it can not substantiate the amount claimed, it should not be permitted to continue collection efforts or threaten legal action based upon an unsupported balance. I respectfully request the CFPB 's assistance in obtaining : A complete itemization of the balance claimed ; Documentation supporting all interest, fees, and other charges ; The original creditor 's charge-off balance ; A complete payment history and accounting ; Documentation supporting any post-charge-off additions to the balance ; and An explanation of why Midland continues collection efforts while failing to provide the requested records. I am simply seeking transparency and documentation sufficient to verify the amount Midland claims is owed before any further collection activity occurs. Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I wasn't able to make payment due to hardship difficulties and my car was repossessed from my home with personal belongings inside.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
Company failed to send validation letter and state I owe {$16000.00} for a property that I had to move out of due to inhabitable living conditions due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so the building made everyone move out by XX/XX/year> but I was not staying there due to XXXX in my apartment so I should not be responsible for that amount and I sent documents to XXXX but they fail to remove the debt with my validation documents and the debt was already sued for providing inaccurate information once.

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 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: VA

Complaint narrative:
b'I have answered the phone from one company stating they are with RSI saying I owe a debt of XXXX for medical bills. I asked for a physical mailed copy to an address they asked me over the phone and I had confirmed. I have yet to received that mail copy.\n\nThey have contacted me with bots saying to call XXXX. The bots have the following phone numbers so far this month\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\nXXXX\n\nThey have all claimed to be with RSI enterprises and whenever I have asked for a physical mailed copy for proof of my debt they have not sent me anything. I did get an unknown spam text of a "debt" they claimed with a temporary mailing address I had XXXX years ago.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
- I scheduled a payment for XX/XX/XXXX, the same as I have done for five years. - I click Pay Now in the app, then click Pay " Card Balance Amount '' on the right. Each time I have done this, for the last ~60 months, it has made the payment from my linked XXXX XXXX XXXX XXXX Checking Account . - For the XX/XX/XXXX payment it utilized the Goldman Sachs Savings account which I do not use and which is empty. Because it is empty, the payment declined/ rejected. - The result of this is interest charges of {$160.00} and the card is in revolving mode instead of " its been paid monthly mode '' which will continue to result in more charges. - I talked to a representative on XX/XX/XXXX about this, and another representative and a supervisor on XX/XX/XXXX about this. The first rep on XX/XX/XXXX lied and said they could help me on XX/XX/XXXX once the rejected payment was posted. The second rep on XX/XX/XXXX did not understand the situation, could not see the interest, and transferred me to the wrong supervisor. The supervisor told me he could not help me. Out of three representatives, one lied, one did not know what I was talking about, and the last informed me he couldn't help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was told that my account would be closed and a check would be mailed in 30-60 days. I haven't received a check with my balance. I requested bank statements two times and still haven't received them. I was given this tracking number, XXXX, I still haven't received the statements.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
I want cash app to fix my account because cash app is charging me for money that was never sent to my card when I hit borrow pls help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I used this app called money lion to receive a few dollars. They put a loan together without my permission and took {$200.00} out of my XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I sent Caine & Weiner a formal debt validation request. Their response failed to provide the following required documentation : No original signed contract between me and XXXX XXXX XXXX XXXX No chain of assignment or bill of sale proving Caine & Weiner has legal authority to collect No proof of Florida collection license No complete payment history from the original creditor No date of first delinquency Documents identify me as " XXXX XXXX '' not my legal name making identity verification impossible They sent only an insurance policy summary, which does not constitute proper debt validation under 15 U.S.C. 1692g. This is a violation of the FDCPA. Despite failing to validate, they continue collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I had several unauthorized transactions on my sofi debit account and after filling a dispute they said it was on a authorized device but I was hacked I'm pretty sure so of course it was an authorized device

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They dont want to update my phone number on file so I can login my account and withdrawl my money

Company response to consumer: Closed with explanation