vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My citi bank account was closed last month And I have {$2700.00} And citi bank refuse to mail me a check to my addrsss since then

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 2026-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX CA XXXXVia Certified Mail\n\nRADIUS GLOBAL SOLUTIONS LLC\XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXAccount number: XXXXRe: Cease and Desist Communication Pursuant to 15 U.S.C. 1692c(c)\n\nTo Whom It May Concern:\n\nThis letter serves as formal notice that, pursuant to 15 U.S.C. 1692c(c) of the Fair Debt Collection Practices Act, I demand that you cease all communication with me regarding the alleged debt referenced in your records.\n\nYou are hereby instructed to stop contacting me by telephone, text message, email, mail, or any other means, except as permitted by law to notify me that:\n\nFurther collection efforts are being terminated; or\nYou intend to invoke a specific legal remedy that you are legally entitled to pursue.\n\nNothing in this letter should be interpreted as an acknowledgment of liability for the alleged debt or as a waiver of any rights or defenses I may have.\n\nPlease govern yourselves accordingly. Any communication beyond what is permitted under 15 U.S.C. 1692c(c) may constitute a violation of the Fair Debt Collection Practices Act, and I reserve all rights and remedies available under federal and applicable state law.\n\nSincerely,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 non-monetary relief
Consumer complaint received 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i was told that i had a negative checking account in which is impacting me from opening an account i did not open this 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 2026-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Via Certified Mail HP SEARS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX {$6900.00} XX/XX/XXXX Re : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : This letter serves as formal notice that, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to stop contacting me by telephone, text message, email, mail, or any other means, except as permitted by law to notify me that : Further collection efforts are being terminated ; or You intend to invoke a specific legal remedy that you are legally entitled to pursue. Nothing in this letter should be interpreted as an acknowledgment of liability for the alleged debt or as a waiver of any rights or defenses I may have. Please govern yourselves accordingly. Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) may constitute a violation of the Fair Debt Collection Practices Act, and I reserve all rights and remedies available under federal and applicable state law. Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-12 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: IL

Complaint narrative:
I am filing this complaint because U.S. Bank repeatedly failed to properly process my credit card dispute ( XXXX ), despite my timely submission of all requested information. After I sent the documents by the deadline, the bank closed my dispute, claiming I had not provided information. When I contacted the bank, a representative confirmed receipt of my documents and said the dispute would be reprocessed. However, my online account still showed the dispute as closed, with no accurate status updates. Weeks later, I received another closure letter citing different missing information. When I called again, the representative reviewed my submission and acknowledged I had already provided the requested information. Despite these assurances, my dispute remains unprocessed and my online account continues to display closed.

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing a complaint against Elan Financial Services regarding a XXXX XXXX XXXXXXXX XXXX XXXX. I never received, activated, or used this physical card. Despite XXXX usage, Elan charged an annual fee and subsequent late fees. I called customer service on XX/XX/XXXX to close the account, but they refused to waive the annual fee on this card. Per federal credit card guidelines, charging and enforcing fees on an entirely unused, unactivated account that the consumer is actively trying to reject and close is an unfair and predatory practice. I request that Elan Financial Services completely waive the annual fee and all associated late fees/interest, and ensure the account is closed with a {$0.00} balance with no negative reporting to my credit bureau 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 monetary relief
Consumer complaint received 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft and cant open a bank account because of fraud that I have KNO knowledge of that was committed with suntrust! Its not fair to me. I would like to open an 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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed up for a Wells Fargo everyday checking account which had a {$400.00} bonus if I direct deposited {$1000.00}. I completed those requirements last week and I have yet to receive the bonus...

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 2026-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am filing this complaint because Digital Federal Credit Union is reporting inaccurate late payments on my credit report. The payments were not late because they were made by my insurance company in accordance with my coverage. Despite this, the account is being reported as delinquent, which is inaccurate and has negatively affected my credit. Additionally, my account is current, and my next payment is not due until XX/XX/year>. I have disputed this inaccurate reporting with the credit bureaus and am requesting that Digital Federal Credit Union investigate, correct the inaccurate payment history, and update all consumer reporting agencies to accurately reflect the account. If they can not verify the accuracy of the reported late payments, I request that they be removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate information and investigate disputed 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 non-monetary relief
Consumer complaint received 2026-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been unable to open a bank account because I was informed that my application was denied due to suspected fraud activity. However, I have not been provided with sufficient information about the alleged fraud, nor have I been given a fair opportunity to dispute or correct the information being used against me. I attempted to open an account on [ date ] and was informed that my application could not be approved. I contacted the company to request additional details, but I was not provided with a clear explanation of the reason for the denial. I am requesting that the company review my case, provide the specific information used to deny my application, and correct any inaccurate records that may be affecting my ability to open a bank 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 2026-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
My partner and I got the car deal on XX/XX/year> with a XXXX down payment. I told them I wanted to be in the deal only myself because my boyfriend did not have a license, but they kept negotiating, and in the end, we were both in the deal. XXXX We get a very aggressive notice of cancellation of the contract from California XXXX XXXX confirming that Veros Credit XXXX not approve our loan. I got harassed by XXXX with text messages and calls telling me to give back the car and threatening me, so I had to block him. I was happy because, to me, it was a really bad idea, so I agreed to give back the car if they gave me my down payment back. I put a bad review saying the truth, and they asked me to delete it. So they told me in the letter that they were coming for the car, but then on XX/XX/year>, they ruined my credit. They just repossessed the car, and I called a lot of times and tried to communicate, but the person in charge of my account was a really bad person, just laughing at me. He made me believe I could get back the car, giving me false information, false dates, and false amounts of money! they asked me for about {$2900.00} in cash, after that I never had an answer from the person in charge of my account. Another person answered the phone finally on XX/XX/year> after many calls and many emails. Another person answered, humiliating me and laughing saying that he was the new person in charge in my account and that he needed the money right away on XX/XX/year> because he did not care about the previous negotiation, and even though I had the letter saying I had until XX/XX/year>. THEY ARE SCAMMERS!! A lot of people have been victims of them, please please do not let this happen. My credit is destroyed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Credit Acceptance Corporation regarding a repossessed XXXX XXXX XXXX. I financed the vehicle in XX/XX/XXXX for a principal of {$23000.00}. Over nearly XXXX years, I paid approximately {$13000.00} toward this debt. Following a repossession and subsequent auction sale, Credit Acceptance is now reporting a past-due balance of {$30000.00} on my Experian credit report. It is mathematically unconscionable and predatory for a balance to increase to XXXX XXXXXXXX beyond the original price of the vehicleafter {$13000.00} in consumer payments and a {$5000.00} vehicle recovery sale. I am demanding that the company produce the required statutory post-sale disclosures under the Michigan Motor Vehicle Sales Finance Act ( MVSFA ), an itemized accounting of all added fees, and proof that the auction sale was conducted in a commercially reasonable manner. I request that Credit Acceptance completely cease collection activity and remove this inaccurate, inflated deficiency balance from my credit file. ''

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 2026-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I have no regulation of knowledge of the debt the account was open without my permission and this is a fraudulent attempt to collect the debt thats not old

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 2026-07-12 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am filing a formal regulatory complaint against Barclays Bank Delaware for bad-faith claims handling and violating my rights under the Fair Credit Billing Act regarding Case # XXXX. Barclays prematurely closed my fraud dispute under the false pretext that I failed to engage with the merchant 's network ( RCI ) on XX/XX/XXXX and XX/XX/XXXX. This directly contradicts Barclays ' own written directive dated XX/XX/XXXX, which explicitly instructed me that I was NOT required to contact the merchant. Furthermore, Barclays signed for a physical Certified Mail evidence packet on XX/XX/XXXX containing an InTraveLi Enrollment Application where my name is typed but the signature line is completely blank, proving transaction forgery. The bank 's claims process is a total compliance failure. The voicemail left on XX/XX/XXXX was completely inaudible, garbled, and delivered by an individual with a severe accent speaking too low into the microphone to provide any legible information. On XX/XX/XXXX, my carrier logs show absolutely no incoming missed calls or communication from Barclays whatsoever. When I escalated this to Billing Disputes XXXX XXXX XXXX, she explicitly admitted multiple times on the phone that she currently possessed my physical evidence packet. Yet, she aggressively insisted that I must spend my own money to resend the exact same package via certified mail again just to reopen the file. Forcing an American consumer to pay out-of-pocket fees to resubmit evidence the bank already possesseswhile closing a forgery case over unverified, non-existent phone dialer attemptsconstitutes bad-faith claims handling and operational negligence. I have just digitally re-uploaded my complete master appeal file to the Barclays XXXX XXXX. I demand my written evidence be reviewed by corporate compliance auditors and this case reactivated immediately. Furthermore, the merchant actively lied and stated they were setting up standard 'in-house resort financing. ' Instead, they intentionally concealed that they were using my personal data to open a brand-new Barclays RCI Elite Rewards credit card account, constituting intentional consumer deception and predatory misrepresentation [ FTC ] .

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 2026-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Recollection or knowledge of the account that was open without the permission on me this is a fraudulent attempt to collect a debt that is not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have no recollection or knowledge of the account that was open without the permission of me. This is a fraudulent 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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
" USAA is mishandling a XXXX XXXX XXXX XXXX ( XXXX ) back pay electronic deposit of over {$22000.00} ( Trace Number : XXXX ) Please note the XXXX XXXX digits are the date the amount should have been in my account ). The Treasury accidentally added an extra zero to the account number, causing the ACH transfer to route into USAAs suspense/exception account. My full name and Social Security Number match the ACH metadata perfectly. USAA 's Deposit Dispute Team has incorrectly placed this unposted credit into a XXXX Regulation E dispute queue instead of routing it to the ACH Operations Desk for a manual match or an immediate rejection ( ACH Return Code XXXX ). USAA is unlawfully withholding my federal benefits, causing severe and immediate financial hardship. I require an executive override to force-post these funds to my active checking account immediately. ''

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 2026-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
When upgrading my phone to XXXX XXXX XXXX, I had to wipe the new phone 3 times, each time adding my credit and debit cards to XXXX XXXX in a quick succession, then wiping the phone to start over. On the last attempt, all my U.S. Bank and XXXX XXXX XXXX started throwing a Card not added. Contact card issuer for more information. error.

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 2026-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: NC

Complaint narrative:
My card was lost or stolen. After logging in i noticed several unauthorized transactions were made on my account without my permission. I filed a dispute and the dispute claim # is XXXX. I did not authorize these purchases and did not receive any benefit from them. As soon as i discovered these unauthorized transactions i reported it immediately. I am requesting reimbursement for all unauthorized transactions, any related fees, and a complete explanation of the evidence collected for this claim.

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 2026-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on Friday XX/XX/year>. I Go into The Bank Of America Located at XXXX XXXX XXXX XXXX Florida To Cash A Bank Of America Check Of A XXXX Im Enrolled in For XXXX. Thr Branch Manager And Female Teller Discriminated Cause I Was Enrolled In This XXXX asking where i get this check from And Refuse To Service Me Sending Me eles Where To Spend More Check Cashing Fees To Commit Fraud Noting I Was Walking Around with A Broken Foot To And I Dont Drive thank you please reply at XXXX or 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 2026-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Guild Holdings Company
State: NC

Complaint narrative:
On XX/XX/year>, I submitted a formal Notice of Error and Request for Information regarding XXXX persistent servicing issues. First, I identified a recurring security error where my online portal profile repeatedly displayed unrelated, incorrect out-of-state addresses. Second, I identified a discrepancy between my account 's unpaid principal balance ( {$290000.00} ) and the inflated balance being reported to the credit bureaus ( {$290000.00} ). I explicitly requested a finalized, executed copy of my payment-deferral agreement and a written reconciliation of how the {$11000.00} deferred amount is being calculated and implemented. Guild Mortgage acknowledged receipt on XX/XX/year>, and committed to a response within XXXX business days. That deadline passed on XX/XX/year>, without any substantive response, specifically failing to provide the requested payment-deferral documentation or the requested accounting reconciliation. Consequently, these errors and the resulting credit reporting inaccuracies remain unresolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation