vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payments on my credit reports by Equifax, Experian, and TransUnion. I have disputed these inaccuracies directly with the credit reporting agencies, yet the disputed derogatory information continues to be reported without sufficient evidence that a reasonable investigation was conducted as required by the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ( a ) ). To be clear, I am not disputing ownership of these accounts. These are my open and active accounts. My dispute concerns only the accuracy, completeness, and verifiability of the reported late payment history, delinquency dates, payment status, and other derogatory reporting associated with these accounts. The continued reporting of inaccurate or unverifiable late payments has caused unnecessary damage to my credit profile, negatively affecting my creditworthiness and financial opportunities. If this information can not be fully verified through competent documentation, it should not continue to appear on my credit reports. Disputed Accounts XXXX XXXX Account Ending XXXX ( Reported by Equifax and Experian ) XXXX XXXX XXXX Account Ending XXXX ( Reported by Experian and TransUnion ) XXXX XXXX Account XXXX XXXX ( Reported by Experian and TransUnion ) XXXX XXXX Account XXXX XXXX XXXX Reported by Experian and TransUnion ) XXXX dispute the reported late payments, delinquency dates, payment history, and derogatory reporting associated with these accounts because the information appears inaccurate, incomplete, misleading, and/or unverifiable. I requested that the credit reporting agencies conduct a thorough investigation and verify the disputed reporting using competent documentation, including account payment histories, billing statements, payment posting records, and documentation supporting each reported late payment. A simple statement that the information has been " verified '' does not satisfy the investigative requirements of the Fair Credit Reporting Act. If the disputed late payment history can not be fully verified as complete and accurate, the derogatory reporting should be corrected or removed while preserving the accounts themselves and any accurate positive payment history.

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 2026-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I close my secured account with city that required initial funding. As I was closing the account the representative assured me a check would be mailed within 30 days however I received a piece of mail today saving that the bank will routine my balance for 100 days. The credit card has had no activity in over XXXX months and has XXXX charges pending against to justify cities with withholding of my funds. I tried to reach the number provided on the account closure confirmation received via snail mail at XXXX however the number just continued to loop back to the original prompts, providing no resolution options

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 2026-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and its third-party program managers, Netspend and XXXX, for a severe violation of my consumer rights under Electronic Fund Transfer Act ( EFTA ) / Regulation E guidelines following an incident of identity theft. On XX/XX/year>. I noticed unauthorized, suspicious activity on my account totaling {$9500.00}, these funds was stolen from my account in the middle of the night while i was asleep, all of these were random international charges from random international countries simultaneously and completely drained my account, i live in XXXX and somehow netspend allowed all these charges to go through. I immediately locked my card when I woke up and noticed it, disputed the transactions immediately and contacted customer service to report these fraudulent transactions. To support my claim and prove I was a victim of a crime, I fully complied with law enforcement procedures and obtained both an official Police Report ( Case number : XXXX ) and an FTC Identity Theft Report ( ID # XXXX ). On XX/XX/year>, just 3 days after initiating the dispute, Netspend and XXXX simultaneously closed my accounts with XXXX warning. When I called to inquire, I was informed that the account was shut down by " High Risk Management '' but that the {$9500.00} dispute was still under investigation. Since this closure, Netspend 's compliance department has completely blocked my access to Compliance support and is routing all my calls directly to voicemail. As the chartered banking institution, XXXX, XXXX. is ultimately liable for the actions of its program managers and is legally obligated to investigate this dispute in good faith. Instead, they have locked me out of communication, cut off my access to my financial data, and are withholding my funds while I am actively dealing with identity theft.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made my required minimum payment, and it successfully posted to my account. The only payments that were later returned were additional payments and not my required minimum payment. Despite this, Synchrony Bank immediately began placing repeated collection calls instead of providing any meaningful written communication regarding my account. I am attempting to address my account responsibly and have requested that Synchrony communicate with me in writing so I can maintain accurate records. I also requested information regarding any available hardship programs, payment arrangements, reduced payment options, or other account assistance. Instead of providing the information I requested, Synchrony has chosen repeated collection activity. I believe consumers who are making good-faith efforts to communicate and resolve their accounts should receive clear written information regarding available assistance rather than repeated collection calls. I am requesting that Synchrony provide a substantive written response addressing my account status, any available hardship or payment options, and honor my request for written communication whenever possible.

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 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Bank assumed my mortgage, or it was bought by them, transferred to them, whatever. Suddenly it's with them. Problem is, I can't pay the bill or service the account, or even receive a statement. All of these complaints have been ignored by them for over a month. At the heart of the problem is my XXXX ( so I can't call to sort things out ) and their email service being basically unmonitored. I either get nothing or uhnhelpful canned replies ). I am unable to use phone due to XXXX, including TTY/relay because their wait times are longer than I am able to remain lucid for a single call. I am able to do asynchronous communication, e.g. email. They have email, but unfortunatley in a month and a half, that hasn't got me anywhere. There is an online payment portal, but it shows the wrong amount for the payment, and I can't change it ( unusual, but truly fixed on their end, can not be changed ). Escalation has been requested 50+ times. No such escalation has been provided. I have not received any form of statement/invoice/bill from them. I'm not disputing what is owed, I mean it's a mortgage, but am I supposed to pay blindly?

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am filing this complaint because Ally Bank continues to hold my IRS refund funds without returning them to the IRS or releasing them to me. On XX/XX/XXXX, I deposited an IRS Treasury check for {$8800.00} into my Ally Bank account. Shortly afterward, Ally restricted and closed my account. In its CFPB response letters dated XX/XX/XXXX, and XX/XX/XXXX, Ally admitted the following : The IRS advised Ally that the funds should be returned. Ally states that it has NOT returned the funds to the IRS because the IRS has not issued a reclamation request. Ally also refuses to release the funds to me, claiming the funds are not owed to me. This means Ally is holding my money indefinitely. The IRS has informed me that it has not received the funds back, while Ally admits in writing that it still has not returned them. I have been trying to resolve this matter for more than two years. I am requesting that the CFPB require Ally Bank to : Explain the legal authority allowing it to continue holding these funds indefinitely. Immediately return the funds to the IRS if they believe they can not release them to me. Provide written proof if the funds have been transferred or are no longer in Ally 's possession. Work directly with the IRS to resolve this matter instead of leaving the funds in limbo. I have attached Ally Bank 's response letters as evidence. Their own correspondence confirms they have not returned the funds to the IRS while simultaneously refusing to release them to me. I respectfully request that the CFPB investigate this matter and require Ally Bank to provide a definitive resolution. Thank you. Sincerely, 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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
XXXX Notice XXXX XXXX to Sue and Settlement Demand Date : XX/XX/year> To : Harris & Harris RE : Failure to Provide Required Validation Notice Settlement Demand Dear Harris & Harris, This letter serves as my formal Notice of Intent to Sue concerning your attempts to collect an alleged debt on behalf of the Pennsylvania XXXX XXXX. I have received collection text messages from your company regarding two alleged accounts associated with my license plate. Despite your collection efforts, I have never received the written validation notice that debt collectors are generally required to provide under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Because I did not receive the required notice, I dispute the alleged debt and request that you preserve all evidence relating to this matter, including but not limited to : Any validation notice you contend was mailed ; Proof of mailing or mailing procedures ; Collection notes and account history ; Call logs, SMS logs, and internal communications. To resolve this matter without litigation, I am willing to settle under the following terms : 1. Waiver and cancellation of the alleged debt in its entirety ; 2. Payment of {$2500.00} in exchange for a full release of my FDCPA claims ; 3. Written confirmation that the account has been resolved and that no further collection activity will occur. Please respond by email only at : XXXX If I do not receive a satisfactory response within 15 days of your receipt of this letter, I intend to pursue all remedies available to me, which may include filing complaints with the Consumer Financial Protection Bureau, the Pennsylvania Office of Attorney General, and commencing litigation seeking any damages and other relief available under applicable law. This settlement offer is made solely to resolve this dispute and is not an admission that I owe the alleged debt. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: NC

Complaint narrative:
At the conclusion of my XXXX year auto lease, US Bank sent me a vehicle turn in report and said a final bill would be forthcoming. I assumed this was a form letter as the inspection report said total monies owed was {$0.00} for excessive wear and tear and/or damages. A few weeks later I received a bill for {$700.00} that included {$400.00} for a termination fee and tax. The other charges were for excess mileage. On XX/XX/22 I called US Bank to ask for the termination fee to be waived and was told it can not be waived and it was disclosed at the time of the lease signing ( XX/XX/XXXXyears ago ). I asked to escalate my request and was transferred to a manager who said the fee can not be waived, I agreed to it at signing, and lots of companies charge this fee. I asked the person to describe what this fee is for and was told its for administration. My response was, so after XXXX on time payments of principal and interest, and fees paid to you at signing, youre now charging me a fee as a way to say good bye? She made no comment and asked if I wanted copies of my closing documents. I said no thanks and advised her I would file a junk fee complaint with CFPB as this fee has no legitimate business purpose. I also advised that I would pay the mileage fee but not the termination fee. The rep said my account would then show past due which I find to be both a potential FCRA and UDAAP violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This was taking off my credit a while ago, this was not my debt. Now it back on my credit with a whole New company.

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 2026-06-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXX ) for deceptive and misleading reporting.

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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
Credit card was opened in my name with an address I never have had XXXX XXXX let someone open an account in my name. It happened with several other credit card companies. They all removed it from my credit, but this company refused to. They just tried to extort money from me the same as XXXX XXXX XXXX is doing.

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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is currently reporting late payments that are inaccurate and do not reflect my true payment history. The reported delinquencies are causing ongoing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 1681i, credit reporting agencies and furnishers are required to maintain maximum possible accuracy and conduct a reasonable investigation when information is disputed. Despite my dispute, the inaccurate late payments continue to be reported without proper correction.

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 2026-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
I reported unauthorized Visa debit card transactions on XX/XX/year> Subject : Dispute Claim Confirmation Account Number : ending in XXXX Claim Date : XX/XX/year> Claim Number : XXXX Claim Amount : {$1500.00} to Netspend. The dispute was accepted, but I have not received a clear update on the investigation status or stage of review. but I have not received a clear or consistent explanation of the investigation status, stage of review, or resolution timeline. I have received conflicting instructions regarding dispute requirements. In one communication, I was told that written notice within 20 days was required to be eligible for provisional credit. In a later communication, this requirement was not mentioned, and it was indicated that submitting the dispute online was sufficient. This inconsistency has created confusion regarding what procedural requirements apply to my case. I am requesting formal clarification of the applicable dispute notice requirements for my account and confirmation that my online dispute submission satisfies all required conditions. I am also requesting a formal update on the current dispute stage, including whether the claim is pending merchant response, XXXX chargeback processing, or internal fraud investigation review, as well as the expected timeline for resolution. I have repeatedly requested clarification regarding whether the claim is pending merchant response, XXXX chargeback processing, or internal fraud investigation, but only received generic under review responses. I am requesting a formal status update including the current dispute stage, confirmation of whether merchant response has been received, and the expected timeline for 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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting assistance regarding Wells Fargos denial of my dispute involving an unauthorized debit card charge on my business checking account. The hotel was authorized to charge my debit card {$150.00}, and I have the receipt proving that amount. However, the hotel also charged my account an additional {$72.00}, which I did not authorize. I did not receive any goods or services for this additional charge, and there is no receipt or documentation showing that I approved it. Despite providing Wells Fargo with evidence of the authorized {$150.00} charge, the bank denied my dispute, stating only that the transaction occurred at the merchants location and that my card was in my possession. This does not establish that I authorized the separate {$72.00} charge. I request that Wells Fargo be required to reopen the investigation and produce evidence that I specifically authorized the additional {$72.00} charge. If the merchant can not provide proof that I authorized this charge or received goods or services for it, the charge should be reversed. I have attached the receipt showing the authorized charge of {$150.00}, Wells Fargos dispute decision, and my account statement showing the disputed {$72.00} transaction. I respectfully request the CFPBs assistance in ensuring this matter is fully and fairly investigated.

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing in direct response to your last CFPB response and the off record email dated XX/XX/year>, in which you stated that my concerns regarding whether the {$11000.00} incentive is included in my Loan Agreement were fully addressed. They were not, and this matter remains unresolved. Your correspondence does not directly answer the central financial question in dispute. Accordingly, I am again requesting a clear and unambiguous response : Was the {$11000.00} incentive payment included in my loan principal balance, and is it accruing interest? Please respond with a straightforward Yes or No. To date, Sunlight Financial has not provided a direct accounting of how this {$11000.00} was treated in my loan, and prior responses have not resolved this issue. I am requesting a substantive answer addressing the specific financial treatment of this amount.

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