vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On or about XX/XX/2026, I sent a written debt validation request to XXXX XXXX XXXX XXXX regarding a collection account referencing Hyundai Motor Finance as the current creditor ( reference # XXXX ). This request was made pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), and asked the company to validate the debt, including providing proof of the amount owed, verification of their authority to collect, and confirmation of licensure to collect debts in Georgia. The letter was sent via certified mail, return receipt requested, and I have proof of delivery dated XX/XX/2026. As of the date of this complaint, XXXX XXXX XXXX XXXX has not provided any response or validation of this debt. Despite failing to validate the debt, the company has continued to contact me in an attempt to collect during this period. Under XXXX U.S.C. XXXX ( b ), a debt collector must cease collection activity on a debt until it obtains verification and mails a copy of that verification to the consumer, once a validation request is made within the statutory period. XXXX XXXX XXXX XXXX has failed to validate this debt, has continued collection activity, and has not confirmed that the account is on hold, in apparent violation of this requirement. I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to cease all collection activity on this account, correct any related credit reporting, and provide the validation documentation originally requested.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I was double charged XXXX dollars. Then I look at my balance and it was XXXX and I knew I hadn't used it. So I locked it. Look again it was XXXX. So I canceled it and looked again it XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FLAGSHIP FINANCIAL GROUP LLC
State: NJ

Complaint narrative:
To the best of my knowledge my car was repossessed on XXXX XXXX XXXX XXXX I contacted Flaggship in XXXX of XXXX requesting accurate status of my car. At my request in XXXX of XXXX, Flaggship sent me a letter informing that my car would be sold. I felt disappointed because I never recieved the letter that could have helped me to save my car. I never recieved the letter from Flaggship because they mailed my letter to the wrong address. I feel they unlawfully sold my car because I did not have any knowledge that my car was being sold. Flaggship is asking me to pay {$20000.00} for a car they unlawfully sold to someone else.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was a victim of an online social media check scam. I am innocent, but U.S. Bank closed my account without notice or due process. Bank staff admitted to me that they failed to follow protocol. They are now holding my legitimate employer payroll direct deposit.

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 2026-07-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has wrongfully been charging my XXXX children " Monthly Maintenance Fees. '' I open child savings accounts for them in 2014 when it was Union Bank. In XXXX of XXXX XXXX arbitrarily started charging each of their accounts a {$4.00} maintenance fee. My XXXX daughter just turned XXXX XXXX months ago and the other is still XXXX. The accounts originally opened for them were child savings accts that were to never have any maintenance fee as long as they were minors. US Bank refuses to refund the charges and says they took their names off the accounts

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a recent credit limit reduction on my credit card account. Citibank notified me that my credit limit was reduced following a review of my account and credit information. The adverse action notice states that the decision was based in whole or in part on information from XXXX However, the notice also explicitly states : Other than providing information, the reporting agency played no part in our decision and is unable to supply the specific reasons why we decreased your credit limit. After receiving this notice, I contacted Citibank customer service to obtain the specific reason for the reduction. The representative repeatedly told me that XXXX would have to explain the decision, despite Citibanks own written notice stating that XXXX can not provide the specific reasons because it did not make the decision. As a result, I have been unable to obtain a meaningful explanation for why my credit limit was reduced. I believe Citibank should be able to explain the specific factors that led to its decision instead of referring me to XXXX in contradiction of its own adverse action notice.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: MN

Complaint narrative:
My bank accounts were hacked and emptied by unknown persons to me and without any contact with me XXXX weeks ago. The bank didnt stop it. I notified them XXXX morning ( the next business day ). The accounts were closed and a new one opened. I was told I wouldnt get the money back until the fraud investigation is done ( within XXXX days ). This Monday the $ XXXX dollars was returned to the closed account but I cant get them to move it and other money of mine into the new account. Yesterday I was told it would be moved by the end of the day. It hasnt been done. Theyve been sitting on MY money all week.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 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: NY

Complaint narrative:
This complaint is being filed regarding a direct, systemic violation of Regulation XXXX ( Electronic Fund Transfers Act ) error resolution procedures, intentional system ledger manipulation, and XXXX violations by Netspend Corporation. I initiated a formal dispute regarding unauthorized/erroneous activity on my account involving {$1000.00}. Netspend had a strict statutory deadline under federal law to investigate and resolve this dispute. They completely missed their regulatory window. The dispute deadline was XX/XX/year> and they attempted to backdate the decision as if it was decided the previous day XX/XX/year> after the business day closed on XX/XX/year> after business hours around XXXX EST. I have in my possession, unedited screenshots of their consumer banking interface and dispute status at the close of the business day XXXX, XXXX XXXX Instead of complying with federal mandates upon missing the deadline, Netspend attempted to manipulate their system logs to cover the breach. Specifically, approximately XXXX hour after the official business day closed, Netspend backdated the dispute status within their system ledger to make it appear as though they had met the legal timeline. This bad-faith alteration of an official account ledger was done specifically to mask a regulatory timeline failure. Furthermore, Netspend is continuing to hold my legitimate funds XXXX while actively refusing to provide a clear, accurate, unedited transaction history, which prevents me from auditing the exact timeline of this data manipulation. EXHAUSTION OF REMEDIES & ISSUER ESCALATION : Prior to filing this complaint, I made multiple exhaustive attempts to resolve this directly with Netspend. Due to their non-compliance, I escalated the matter directly to Netspends issuing bank, XXXX, XXXX. I initiated formal written contact via a targeted XXXX escalation matrix sent directly to XXXX 's XXXX compliance and regulatory oversight teams. Despite XXXX being put on direct notice of Netspends Regulation E violations and ledger manipulation, my funds remain unlawfully withheld. DESIRED RESOLUTION : 1. Immediate Finalization of Dispute : Because Netspend failed to resolve the dispute within the legally mandated Regulation E window, the funds under dispute must be fully and permanently credited to my account immediately. 2. Audit and Release of Records : Provision of the true, unedited system audit logs showing the exact timestamps ( including metadata ) of when the dispute status was altered after business hours. 3. Full Account Restoration : Immediate removal of all account restrictions and full reimbursement for all financial harm and fees caused by this non-compliance.

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 2026-07-02 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: TRACO INVESTMENT CORP
State: MN

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 2026-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for an auto loan with Wells Fargo and was asked to provide my bank account information for payment purposes. I provided my XXXX account information, as XXXX is my bank. A few days later, I received an email from Wells Fargo stating that I did not have an account with XXXX. When I called to inquire, a Wells Fargo representative told me that XXXX is not an authorized bank that customers can use for this purpose. I believe this policy unfairly impacts veterans, XXXX veterans, and military-affiliated customers who bank with XXXX, as XXXX specifically serves this community. I have an active account with XXXX and was denied the ability to use it despite this.

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 2026-07-02 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: U.S. BANCORP
State: CO

Complaint narrative:
I disputed a return-shipping charge of over {$1000.00} related to returning XXXX packages from XXXX XXXX XXXX XXXX I believe the charge was excessive, disproportionate, and not clearly disclosed in a way that made the actual cost understandable before the return. My credit card issuer denied the dispute and left me responsible for the full amount. I am requesting that the issuer reopen or reconsider the dispute and provide the merchants actual cost of the labels they provided me, the specific policy language relied upon, and an explanation of why this charge was considered valid.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a Bank of America XXXX XXXX credit card on XX/XX/year>. Bank of America immediately placed a XXXX XXXX on my credit report. However, due to their online system glitch, no application reference number was generated. As of today, XX/XX/year>, XXXX weeks have passed, and I have not received any letter or notice explaining the denial or status. I have contacted XXXX different front-line representatives, and they all claimed there is absolutely 'no record ' of my application in their system, telling me to just wait blindly. I am uploading XXXX crucial screenshots as evidence to prove the bank 's systemic error and regulatory non-compliance : XXXX proves that Bank of America XXXX indeed pull my credit report on XX/XX/year>, which lowered my XXXX XXXX. XXXX shows the actual online system screen stating " Not approved. '' This completely contradicts the claims made by their XXXX customer service representatives who insisted there was " no record '' at all. The bank 's internal systems are clearly functional enough to deny me online, yet their customer service and front-line databases are completely broken and XXXX to my file. As an existing Bank of America account holder, I am deeply disappointed by this technical failure, the incompetent customer service, and the complete lack of transparency. Per FCRA regulations, since a XXXX Pull was executed, the bank is legally required to provide an Adverse Action Notice if denied, or allow a valid manual review. Right now, Bank of America has negatively impacted my XXXX XXXX without providing any official decision, tracking number, or legitimate communication. To resolve this complaint, I explicitly demand Bank of America to do XXXX of the following : XXXX. Manually locate my application in their backend database and APPROVE my credit card application immediately. XXXX. Completely REMOVE this unauthorized XXXX Pull ( credit inquiry ) from my credit report and restore my 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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
On XXXX XX/XX/year> I submitted my XXXX XXXX orders to Ally so my account could get XXXX benefits, they responded on XXXX XX/XX/year> that they need 30 days to conduct the analysis. Ive called numerous times to follow up today XXXX XX/XX/year>, on XXXX XX/XX/year>, and XXXX XX/XX/year>. Each time is they need more time. XXXX frustrated as my rate should be reduced accordingly and they can not provide an update on where its at. My account needs XXXX benefits applied and I need transparency.

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 2026-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
The Company is Best Buy Credit Service. They are saying I owed a XXXX Membership fee on an account that is closed. they are charging me a XXXX service charge monthly. It now has a balance of XXXX. I have called this company and they will not resolve this. they will only accept payment. I went to best buy in person an spoke to the store XXXX and he said I had a XXXX balance. Best Buy said this is a company that does a credit card for them. I had to deal with them. The XXXX said they have this problem frequently. This company harrassed my by calling my cell phone repeatly. They have also damaged my XXXX XXXX. It was XXXX. Now it is XXXX because of this. I also mailed them a letter explaining this and they sent me a letter and said for me to call them and they would reduce my charges, not cancel the charges. another words they want to bargin with me over a balaned I never owed. This is shady business practices.

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am writing to formally dispute {$150.00} in late fees charged to my account since XX/XX/year>. These fees were assessed due to a critical failure in the creditor 's digital interface and a lack of required, clear communication regarding my account status. I have maintained consistent automatic bill payments of {$240.00} monthly. I was never notified that my minimum payment requirement had increased, nor was I alerted to any past-due status. Crucially, when I accessed my account via the Citi mobile application during the months in question, the dashboard consistently displayed my account status as " current '' and " up to date ''. Had the dashboard accurately reflected my status as " past due '' after the first missed payment in XXXX, I would have immediately corrected the balance, which would have prevented the subsequent three months of late fees from accruing. Because the system inaccurately labeled the account as " current, '' it triggered a compound effect where I remained unaware that additional payments were required, leading to the assessment of recurring late fees. When I attempted to resolve this internally on XX/XX/year>, I was met with poor service and obstructive policies. The customer service representative refused to acknowledge the system error, denied my request for a full waiver, and refused to escalate the call to a supervisor, claiming no further escalation channels existed. Subsequently, I attempted to contact Citis phone support on three separate occasions to speak with a human representative, but I was barred by an automated AI system that refused to assist with fee disputes and would not transfer me to a live agent. I have exhausted all internal channels of communication provided by the bank without success.

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit Collection Services sent me an unsolicited text message on XX/XX/year>, from number XXXX, attaching a PDF ( XXXX ) that contained my personal and alleged debt information. The text did not warn that the PDF included sensitive personal information, provided no confidentiality protections, and was sent without my prior consent or verification that it was my phone number. Coworkers saw the message and/or PDF on my phone, resulting in unauthorized third-party disclosure of the alleged debt. This violates FDCPA rules on third-party communications and Regulation F requirements for electronic debt collection messages. I never told them they could contact me by text.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I attempted to open an account with Regions Bank. They offered an option of funding with credit/debit card or through XXXX transaction. Since the credit card option did not address any potential fees ( such as cash advance fee from my credit card company ), I chose this option to be more efficient. Now the credit card company is saying that they charge fees on this type of transaction. Regions bank had no disclosure statement whatsoever. They claim that because they are not charging a fee, there doesn't need to be XXXX. A potential customer needs full disclosure that they may be assessed a fee from their credit card company! I spoke to XXXX XXXX ( ID # : XXXX ) on the phone and she was unable to reverse the transaction or switch the funding method and 100 % unable and unwilling to help in any way even though the transaction was just made less than an hour ago and it was still pending.

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 2026-07-02 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: AL

Complaint narrative:
XX/XX/year>, ordered XXXX XXXX. They sent in additional XXXX bottles of Nerve Freedom. I did not order these. When product arrived the ingredients were not what I ordered. Arrived on XX/XX/year>. I returned sugar XXXX on XX/XX/year>. I also returned the Nerve Freedom that I had not ordered. No product was opened. I got a tracking number and sent that to Citicard and to sugar Harmony/NerveFreedom. XXXX said that they would refund me but they never did. Citi has all of this information and they refuse to give me a credit for the XXXX {$190.00}. I have reached out to them repeatedly sometimes twice a month since XXXX and this is still not resolved. This was a purchase that I did not make or that I was tricked into making, and I have made that very plain to Citi Card but they have done nothing. What can I do in this situation?

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