vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: CO

Complaint narrative:
Complaint Against U.S. Bank XXXX  I am filing this complaint because I have experienced repeated delays and poor customer service regarding my Colorado unemployment benefits on my U.S. Bank XXXX.

My unemployment benefit payments have been processed, but I have been unable to access my funds due to repeated verification requirements and delays. Most recently, I was told I must wait another five business days for the address of the rehabilitation program where I am currently staying to be verified. After that, I was informed I would have to complete another identity verification before I can use my card. This continues to delay my access to money that I need for basic living expenses. 

Each time I call XXXX  customer service, I have to explain my entire situation from the beginning because the representatives do not appear to have accurate information about my case. I receive different answers from different representatives, and no one seems able to tell me exactly what is happening or when the issue will be resolved. I have spent many hours on the phone without receiving a clear solution. 

These repeated delays have caused me financial hardship. My unemployment benefits are intended to help pay for necessities, but I have been unable to access them because of U.S. Banks verification process and lack of consistent customer service.

I am requesting that U.S. Bank : * Complete all necessary verification immediately.

* Restore my access to my XXXX  without any further unnecessary delays. 
* Release all unemployment benefit funds that have already been processed. 
* Provide one knowledgeable representative or case manager who can review my account and provide accurate information instead of requiring me to start over every time I call. 
* Explain in writing why these repeated verification requirements have occurred and what steps have been taken to prevent additional delays. 

I respectfully request that this matter be resolved as quickly as possible because these delays have created a significant financial hardship.

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 2026-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NM

Complaint narrative:
I was to receive my irs refund and they didn't except it and sent it back. I was charged fees that were wrong and I still tried paying off the account. They made transactions I didn't 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 explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: ND

Complaint narrative:
i put my deposit down for maybe XXXX for a car and the pricing was XXXX, had the car for couple of months and couldnt afford to keep paying it so i returned it. Lots and lots of problems with the vehicle, I didnt get to use it for maybe 3 to 4 months & had to return it, the coolant was bad, one time it exploded & over heated I dont know for why but it did. I had to get out and cool the car down in the middle of the night. I was stuck at a clothing store because it was overheating. Anywho, it was always a problem, didnt renew the tags because I left it at my sisters house but was still paying for it. the lay who sold me the car told me everything was perfect and that the car was in perfect condition. Whenever I would go to put my payment down for maybe {$400.00} some every month I would be late on some of my payment because me being XXXX and XXXX  i didnt know any better, this was my first leasing experience or whatever you want to call it. I was on time with my payments & later found out she was using my money. Then i found out she got arrested for theft! I returned the car didnt want to have nothing to do with it. I was furious! But anywho, the car was picked up, everything was great NEW TIRES, went to get new parts for the vehicle THE FAN! because the radiator wasnt even spinning or whatever. I tried doing everything I can but me being the first time to it, i wasnt sure what to do. Oh and most of the money i was paying my car with was mostly going to 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 2026-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
This complaint concerns Credit Acceptance Corporations continued furnishing of inaccurate, incomplete, and unverifiable information regarding a joint automobile loan that appears on my wifes consumer credit report. This is the same account that is currently the subject of ongoing disputes involving both consumers obligated on the account.

Despite multiple disputes submitted directly to Credit Acceptance and through the consumer reporting agencies, the company continues reporting information that contains significant inconsistencies while failing to provide the documentation necessary to verify the account.

The account is reported as Open with a {$15000.00} past-due balance while simultaneously reporting a XXXX XXXX  monthly payment obligation. The account status reflects a Status Updated date of XX/XX/XXXX, yet new monthly 180-day delinquency information continues to be reported through XX/XX/XXXX. The balance history changes over time even though the payment history repeatedly reflects {$0.00} paid on XX/XX/XXXX, with no explanation for how the balance increased and later decreased. 

Credit Acceptance has never provided the complete payment ledger, transaction history, itemized balance calculation, date of first delinquency, documentation supporting the continuing monthly delinquency reporting, or the records relied upon to verify the disputed information.

In addition, I have requested documentation supporting the alleged remaining deficiency balance, including the complete repossession accounting, the proceeds received from the disposition of the collateral, and an itemized explanation showing how any deficiency balance was calculated. Those records have not been provided. 

The consumer reporting agencies have responded by stating only that the account was verified, updated, or remained unchanged, without identifying the documents reviewed or explaining how the disputed information was verified despite the reporting inconsistencies. Simply confirming information electronically does not resolve the factual discrepancies identified in my disputes.

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 2026-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
At XXXX tuesday i call the bank us bank After finishing talking having a argument with the lady over my account she said she going to have someone take money out of my account I end the call then she call me from a diffrent number and laugh about my problem and said the my account going to be block i making us bank responsible of any missing money out of 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 2026-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Today is Tuesday XXXX et The online account was again XXXX  for no reason Another late fee I call and the customer service click the phone on me without me explaining my problem im really tired of this bs with this bank Im a truck driver own my own business I cant stop to a branch because im always on the road This is every day .. please everyone dont open account with this bank ( US 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 2026-07-14 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: TekCollect Inc.
State: MO

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 

I have made a previous attempt to fix these issues directly with them. I do not have an account with them and do not owe them monies. They are violating my rights and I am entitled to {$1000.00} for every violation listed. They either pay me or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
Heres a draft you can use : I am filing this complaint because XXXX  continues to report a collection account as verified despite evidence that the underlying account was paid. 

I submitted documentation showing that I made payment to XXXX XXXX XXXX for this account. Despite this evidence, XXXX responded only that the account was verified and did not explain how it determined the information was accurate. 

The furnishers response consisted of an internal ledger, but that document does not address or reconcile my proof of payment. It does not explain why the account was reported as a collection after payment or how XXXX concluded the reporting was accurate in light of the documentation I provided. 

I am requesting that XXXX conduct a reasonable investigation that considers my proof of payment rather than relying solely on the furnishers unsupported verification. If the account can not be substantiated as accurately reported after considering my documentation, I request that it be deleted from my credit report. 

I have attached my payment confirmation and the documents relevant to this dispute.

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 2026-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is a new complaint against Fulton Bank, XXXX. referencing prior CFPB complaints XXXX XXXX  XXXX, both closed. 
My XXXX access through Fulton Bank has been blocked since on or about XX/XX/XXXX. In XXXX prior written responses, Fulton Bank confirmed it found no fraud case, investigation, or determination against my account, did not report me XXXX  XXXX XXXX XXXX or any consumer reporting agency for fraud, XXXX  that the restriction originated within the XXXX network XXXX 
On XX/XX/XXXX, I filed a CFPB complaint against XXXX XXXX XXXX  ( Complaint No. XXXX ). XXXX responded in writing on XX/XX/XXXX XXXX  confirmed XXXX critical facts : ( XXXX ) Fulton Bank account XXXX is not reporting in XXXX XXXX database, and ( XXXX ) XXXX initiated a formal dispute with XXXX Bank ( Dispute ID XXXX ) on XX/XX/XXXX identifying XXXX Bank as the institution that reported information causing the network-wide credential suspension. 
Despite this new evidence identifying the reporting institution, Fulton Bank has taken no escalation steps on my behalf, has not contacted XXXX or XXXX referencing Dispute ID XXXX, XXXX  my XXXX access through Fulton Bank remains completely blocked. I sent Fulton Bank a formal letter on XX/XX/XXXX presenting this evidence XXXX  requesting immediate escalation. No response has been received. 
Fulton Bank offers XXXX as an integrated feature of its banking platform and has an obligation XXXX  advocate for its customer when a network-level restriction is blocking access XXXX  a service it provides. I have now been denied XXXX access for over XXXX months across XXXX financial institutions.

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 2026-07-14 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: AL

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 XXXXXXXX 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 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I bank at Wells Fargo, and am a member of the rewads program for my credit cards. On XX/XX/XXXX, I tried to use XXXX rewards points to purchase a {$25.00} digital gift card for XXXX XXXX XXXX XXXX. I have done this many times over the years. The gift card generally comes the next day. However, this time it never came. 
I called the bank on or about XXXX to complain that my gift card never came and they said they could put the XXXX rewards points back so I could try it again. They never did that. 
I called again on XX/XX/XXXX and they said the same thing. Now it is XX/XX/XXXX and I would like my rewards points put back so I can use them. 
Please help me in this. 
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 non-monetary relief
Consumer complaint received 2026-07-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint because the company is completely blocking me from accessing my account and refusing to assist me after an Account Takeover ( ATO ) flag was placed on it. 
XXXX This situation started on XX/XX/XXXX, when I contacted the company to request a replacement card because I recently moved. To ensure my mail was secure, I had already gone in person to the post office to complete a government-verified change of address. Furthermore, my new address and phone number are officially registered with the IRS associated with my new business and XXXX. Despite having multiple layers of official government verification for my identity and new address, the company placed an ATO hold on my account and refused to assist me. It has now been nearly XXXX weeks, and they have completely cut off my access. If this were an actual fraudulent takeover, a legitimate owner would have contested it by now, yet they refuse to let me verify that I am the true account holder. 
> When I call, the representatives are incredibly rude, disrespectful, and completely refuse to help me in any manner. They also refuse to escalate my calls to a supervisor. 
> They claim they will only verify my identity by mailing a physical letter, but they are sending it to an unknown or outdated address that I can not access. They completely refuse to offer standard, alternative verification methodssuch as letting me upload my government ID or verifying via my mobile phone numbers, which are legally registered in my name. 
> I need the company to provide a secure alternative path for identity verification ( such as a manual review of my credentials or a document upload link ) so a supervisor can review this case, lift the ATO hold, and return access 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
Consumer complaint received 2026-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. 
Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must 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 2026-07-14 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:
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.

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 2026-07-14 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I purchased new windows in XX/XX/2025 through Lowes and was offered a promotion for 84 months ( 7 years ) at 0 % interest using the Lowes credit card, which is managed by Synchrony. The in home sales consultant and central sales associate ( both Lowes employees ) acknowledged and submitted the promotion as 84 months to be applied to the purchase. The total purchase was around XXXX XXXXXXXX. It was incorrectly coded as 12 months instead of 84 months, which created an interest charge of over {$8000.00}. Ive been calling and emailing everyone I can with both companies and am essentially being told theres nothing they can do or theyre working on it. My concern is now I have these massive charges due in early XXXX ( about 2 weeks from now ) and if I dont pay it off, Ill get impacted on my credit score.

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 2026-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank is trying to collect {$4100.00} and I have no knowledge of this account. I have asked for initial agreement and proof of account acknowledgement. They are harassing me and using verbal language and harassment tactics to get me to pay them money I have no knowledge of. I dont know the account number or any details.

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 2026-07-14 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: IA

Complaint narrative:
I went to the Citi.com website on XXXX to search for a new card to apply for that provided a sign up bonus. I carefully read the terms and saw that the Citi XXXX XXXX card offered XXXX Thank You points upon spending {$4000.00} in 3 months. I had not previously held the card and was not otherwise ineligible for the sign up. I clicked apply now through the Citi website where the offer was listed. I took screenshots of the offer. I was approved and on XXXX alerted the card was on the way. I quickly fulfilled the spend requirement, though noticed I never did see a bonus tracker on the website or in app. My first statement cut and I still didn't receive the sign up points. I called on XX/XX/XXXX and was told " there is no sign up bonus linked to your account ''. I advised this was incorrect. They told me to email and provide info and screenshots. I sent an email on XX/XX/XXXX to XXXX as I was told. I read the email back several times. Email did not bounce back and no reply received. I sent a follow up XX/XX/XXXX, still nothing. I called again on XX/XX/XXXX, same run around. This time was told XXXX. Sent again with all attachments and no bounce back and no reply. Called again on XXXX, same story, but this time was told some email with citiXXXX in it, which doesn't make sense as it's not an XXXX XXXX card. This time I sent all info to XXXX. I received an automated reply. On XXXX I received an email with inquiry # XXXX stating it could take 15 days to respond. On XX/XX/XXXX, I received a letter from Citi dated XXXX stating I am not eligible for the offer because " You were not directly solicited for this offer ''. I literally applied from their own website, I'm not sure how that equates to not being solicited. It was offered on their own website and the terms were clear. I called XX/XX/XXXX after reading the letter and explained the situation to the rep that answered after choosing the Thank You Points option. She sat on the line and never spoke and I eventually had to hang up as she sounded like she was on a highway with bad service. I've been charged the {$95.00} annual fee. I would never have opened this card and paid the fee without a sign up bonus attached. I did everything I was supposed to do and now they refuse to award the points.

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