vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I am writing to formally complain about the denial of my recent personal loan application. My name is XXXX XXXX XXXX, and I submitted the application on or about the middle of XX/XX/year>. The denial stated that you could not verify my identity. This reason is vague and unsatisfactory. I provided all requested information and documentation during the application process. I question what specific identity you are truly attempting to verify and why standard verification methods failed in my case despite my good-faith efforts. Specific Requests : A detailed written explanation of exactly what information or documents could not be verified, including any specific discrepancies noted. A copy of all records related to my application, including the verification process, any third-party data sources used, and the full adverse action notice required under the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). Confirmation of my right to a free copy of the credit report ( XXXX ) used in the decision. Instructions on how I can successfully reapply or appeal this decision, along with any additional documentation needed to resolve the verification issue. I am concerned that this denial may involve discriminatory practices. As a XXXX applicant, it appears that Uprova XXXX be applying heightened scrutiny or using verification methods that disproportionately affect XXXX borrowers, creating a frivolous barrier based on race, appearance, or socioeconomic class rather than legitimate creditworthiness. This raises serious questions under XXXX, which prohibits discrimination on the basis of race, XXXX, or national origin. Please provide : Aggregated data on identity verification success/failure rates broken down by race/ethnicity ( to the extent available or required by fair lending obligations ). Details on your identity verification processes and any safeguards against bias or disparate impact. I expect a prompt, complete response within XXXX days.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank continues to bill me property tax in the state of Virginia for a vehicle I returned prior to the billing of the property taxes I returned the vehicle on XXXX paid the property tax knowing they had the vehicle in XXXX two months after its return. I have filed a previous complaint that is so old it is closed. now i just got another bill including another year of property tax when i have spoken to them numerous time they just keep sending payments to XXXX on a vehicle i have not owned in over 3 years and just keep trying to bully me into paying a bill i am not responsible for they told me it was up to me to cancel the plates i returned them timely and i have no control. I needed a letter to register it becuase they own the vehicle it is a lease i do not and never have owed the vehicle in question it is a billing error on their part that they keep committing they should contact Virginia to get a refund as the vehicle has been owned by someone else for over three years I have asked them to stop but they refuse like it is some kind of game i continually get harrassed and keep being told it will be sent to a different n that it has not been done they want a XXXX termination fee whixh they kept from my security deposit of XXXX dollars they owe me money and refuse to pay they are thieves and this is illegal i need help

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I returned my XXXX handset within the 30-day return window. XXXX accepted the return but negligently failed to cancel the underlying SIM/line connection. They billed me for a service I could not use without the device, and have now sent this invalid {$270.00} charge to an external collector ( Credit Control , LLC, Ref : XXXX ). This is causing severe emotional distress and threatening my credit score. Purchase date : XX/XX/year> Return date : XX/XX/year>

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 2026-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting a formal complaint against Citibank ( Citi ) regarding a systemic automated billing and account closure error on my Best Buy credit card account. I am requesting an immediate executive underwriting review to manually reinstate this account, which was closed due to an internal system glitch rather than a lack of payment or credit risk. The Timeline of Events : Initial Transaction : A scheduled payment transfer failed to process due to a bank transfer issue. Immediate Proactive Remedy : Upon realizing the transfer issue, I immediately contacted Citi customer service to notify them of the situation. I then went in person to a physical Best Buy retail location and paid the entire balance in full via an immediate electronic debit card transaction using my PIN number. This brought the account balance completely to zero before the initial failed item had even finished posting as returned in Citi 's system. Systemic Glitch : Despite the debt being fully satisfied and paid in full at the brick-and-mortar location, Citis automated Automated Clearing House ( ACH ) system automatically resubmitted the original failed transfer request a second time. Because the account was already fully paid, this forced automated action resulted in a secondary " returned item '' flag on a balance that no longer existed. Algorithmic Closure : Following this false secondary return flagwhich was entirely generated by Citi 's automated processing rules and not by my actionsthe automated risk algorithm triggered an immediate closure of the account ( " Closed by Grantor '' ). Impact & Request for Resolution : Standard phone customer service channels lack the system clearance to review manual store payment timestamps against ACH automated cycles and are executing blind transfers. This account was paid proactively, and its unjust closure severely harms my available credit line ratios and ongoing business credit structuring. I have attached my verified bank statement showing the immediate, real-time electronic funds transfer ( EFT ) via debit card with PIN verification completed at the Best Buy retail location. This proves the funds were fully cleared and the debt was legally satisfied prior to Citi 's automated processing system initiating the second, erroneous collection attempt. I request that an Executive Resolution Manager or Senior Underwriter manually review the payment timestamps, override the algorithmic closure, and reinstate the account to its full capacity in good standing.

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 2026-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
I was scammed for the XXXX XXXX XXXX XXXX XXXX, dealership closed. All in 6 months from the original signing. They repossessed after 1 year later I couldn't keep up with payments with broken car. They repossessed and auctioned the car. They report i still owe them the full 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
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Starting on XX/XX/year>, Citibank began a severe and continuous pattern of phone harassment regarding an account. The company has consistently called my phone 10 to 15 times per day, sometimes calling as frequently as every 10 minutes.This illegal harassment culminated this morning, XX/XX/year>, when Citibank called my personal number XXXX separate times between XXXX XXXX and XXXX XXXX.Under the Fair Debt Collection Practices Act ( FDCPA ) and CFPB regulations, collectors are legally restricted to a maximum of 7 calls within a rolling 7-day period. Citibank is drastically exceeding these limits within a single day and an hour. I have retained screenshots of my phones call history with exact timestamps from XX/XX/XXXX to the present day as evidence of these willful compliance violations.

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 2026-07-20 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: TX

Complaint narrative:
I purchased breakfast on XXXXXXXX XXXX using my XXXX XXXX Citi XXXX. The food arrived well after XXXXXXXX XXXX guaranteed time which should be an automatic credit and was not. I contacted XXXXXXXX XXXX through chat to resolve this and the only thing they did was guarantee I wouldnt deal with that driver again. The driver who made the delivery was not the right person and not the right vehicle. The food arrived cold and inedible being eggs and bacon that sat in a car for over an hour and arrived cold. This food was thrown away and this issue I tried resolving through their online chat since they make it extremely difficult to contact them by phone and get the phone number. I am constantly dealing with scripted responses from customer service representatives or never ending excuses with no resolution and a lot of wasted time. I am requesting help from the Consumer Financial Protection Bureau as a last resort. The CFPB has helped me many times in the past and I am grateful for this agency.

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 2026-07-20 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: LJ Ross Associates
State: NJ

Complaint narrative:
b'I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s\x022(a), data furnishers are required to report only accurate and complete information.'

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: LA

Complaint narrative:
I asked the debt company to stop calling my work place being that calls of such are not prohibited. However XXXX XXXX from the company continue to call and be disrespectful to the receptionist and HR department.

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 2026-07-20 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: TN

Complaint narrative:
on XX/XX/year> I put a down payment on a car. The merchant over the phone said once the down payment was recieved, that I could recieve a refund if the car had major repairs. I asked for a email stating I could get a refund from the merchant. I recieved an email from the owners son ( merchant ) stating I could request a refund if there were major issues. I paid a mechanic {$190.00}, and he found {$1800.00} dollars in needed repairs. I contacted the merchant and they stated they would refund my money over the phone. The merchant never issued me a refund, so I disputed this with Citibank and provided all documentation. I provided Citibank all the documentation stating that I was to recieve a refund even an email from the merchant stating I would recieve a refund .. Citibanks website stated I was found responsible for the amount of {$1000.00}. I feel they ignored all the documenation. This is first dispute with Citibank

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 2026-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX a fraud prevention was placed on my account because my Bank of America Small business was compromised. Two wire frauds were made not by me. A recipient named XXXX XXXX and another from my business account to XXXX for the same amount XXXX. Bank of America ruled that I was the person who completed the wire fraud until I completed a CFPB report. They later did a deeper investigation and indeed found out I did not complete these transfers. They sent out a settlement for XXXX. Upon trying to regain access to my online banking and to secure my account my calls were dropped multiple times and the time I did speak with a representative on XX/XX/XXXX I went further away from my house without my compromised device to stop if there was any interference, I was stated that I needed my device to verify my and to make a note on my account on XX/XX/XXXX. I spoke with XXXX representatives the first named XXXX from line XXXX the call was dropped. The second representative XXXX XXXX was helpetive and sent me to the fraud team to unlock and un suspend my mobile banking however the representative stated I would have to go to a local branch after stating the wire fraud, account watching on windows when I use Face ID, to remove the suspension and temporarily get a safe transfer to my XXXX. I stated I am still in XXXX and would be here for awhile so there is no branch available for me to regain access and was told that is the only way for me to get control of my account which would be in person in XXXX. I have been a loyal customer since 2022 and this has really affected my business and I need this to be reported and hopefully resolved.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collections is reporting a {$290.00} collection account on my consumer credit report that I dispute. The account identifies XXXX as the original creditor and lists a date of first delinquency of XX/XX/XXXX, with the account assigned to XXXX XXXX on XX/XX/XXXX. I dispute the accuracy and validity of this account and the {$290.00} balance being reported. I am requesting that Credit Collections provide documentation substantiating the alleged debt, including evidence of my legal responsibility for the debt, an itemization of the amount claimed, documentation supporting the reported dates and balance, and evidence of Credit Collections authority to collect and report the account. The account is currently reported as unpaid and marked as disputed. I request that Credit Collections conduct a reasonable investigation and provide documentation supporting the accuracy and completeness of the information being reported. If the account can not be substantiated or any information is inaccurate, I request that the company correct the information or delete the collection account from all consumer reporting agencies to which it has been reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
RADIUS GLOBAL SOLUTIONS, LLC is reporting a collection account with a balance of {$270.00}. The account shows a date opened of XX/XX/XXXX, and the balance was updated on XX/XX/XXXX. I dispute the accuracy and validity of this alleged debt and requested proper validation and verification. I have not received sufficient documentation establishing the original creditor, the basis for the amount claimed, the date of default, or the companys authority to collect and report the account. I am requesting a complete investigation and correction or deletion of any information that can not be properly verified.

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Nations Info Corp
State: UT

Complaint narrative:
In regards to this account that I barely paid for I'm actually just contacting you guys because I got charged and I want to cancel my subscription I can't log into your guys 's website because it's absolutely impossible and it's a joke yes say you're the highest security and yeah I get that cuz you don't want anybody to cancel any subscription I want to completely be done with you guys can you guys just contact me for my information so I can get off of your site for good please the company yourscoreandmore.com it's charged me twice and I can't log into the damn account

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 2026-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> I randomly checked my US Bank business bank balance and recognized money was missing. I logged on to review the transactions and on XX/XX/year> a XXXX transaction was made for {$9900.00} to XXXX XXXX. I did not recognize the recipients, nor was I ever notified of the transaction or asked for verification of the transaction. I checked to see if my profile had been changed and a new telephone number was registered in my US Bank account, which I did not recognize. I was NOT notified of any change to my bank profile by US Bank. Verification of XXXX transactions was also disabled. I had NOT changed that at any time. I immediately filed a claim ( within 10 min ) with US Bank Fraud Department and was told it would take 10 days to receive a refund to my account while the investigation occurred. I did not receive any credit nor did US Bank contact me at any time for further information. I called several times over the last two weeks and was told it was still pended. XX/XX/XXXX I was told the investigation was completed and closed and I was denied the claim. I asked to appeal it and was told another claim could be filed but that I could not send an email addressing it with further information. I was told it probably was XXXX that denied it and that it was NOT FRAUD ( even though I was not aware of it until I arbitrarily checked my account ). I feel that US Bank is not interested in investigating this issue with my input and I am also blocked from seeing my account ( even though I establish a new account for my business ). I have had to close my business after 35 years since I do not have the funding to continue, and I have {$1000.00} to my business account, which is far short of what I need to stay in business. I would appreciate any advice or suggestions for action at this point. US Bank does not appear to be interested in helping me recover my funds.

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 2026-07-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am requesting an investigation into the XXXX XXXXXXXX balance my former apartment complex claims I owe. I was unexpectedly incarcerated, and while I was away, my lease was terminated. I was unable to return to the property before the locks were changed, and I believe I was charged for fees and property that should not be my responsibility. I am asking for the balance to be reviewed for accuracy and for any incorrect charges to 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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX I deposited a check from my retirement account using the ATM at the BMO branch. After 2 hours, I no longer had any access to my account. I called Friday morning the XXXX and was told my account was frozen and unable to use due to Fraud of depositing the check. BMO advised that account was frozen and could not access any payroll funds for XXXX days. I submitted proof of requesting the retirement check to BMO and they would not unlock the account. I am a family of XXXX with a XXXX child and have XXXX access to any funds. I have spoken to the retirement account and they have requested to speak to BMO, BMO refused. The retirement account requested that BMO reject the check and they would reissue so that i can take to another bank. BMO refused. BMO has refused to tell us why the check was flagged and why the full account was frozen. I have XXXX access to any funds and they will not let me withdraw my husbands payroll that was received on XX/XX/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