vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I called the loan company, my quick wallet and Ive been paying {$240.00} every two weeks and Ive already paid over XXXX XXXX XXXX XXXX and then when I called them and asked to speak with the manager, there was no manager and she told me she shouldnt be telling me this, but Im never gon na be able to pay off the loan and all the money that I paid already already went to interest so Ive been paying nothing towards my loan and it was only {$800.00} I shouldve been paid off by now, but its never gon na be paid off. She told me and then that was it.

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 2026-07-15 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: GA

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 2026-07-15 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: TX

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo took money out my account without notice and for no reason amounting to over {$2000.00}

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 2026-07-15 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: NJ

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 2026-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I open this account in XXXXXXXX XXXX XXXX and purchased a new appliance. I was offered {$1000.00} credit limit. I used about {$850.00}. I made one payment early way before the due date and before my second payment was due. My XXXX XXXX stated that my account was closed so I called them and asked them why it was closed. They said they sent an email on XX/XX/XXXX stating that an automated pull of my credit report caused the account to be closed even though I've made my payments on time. It also said it was close to due to inactivity. I made XXXX purchase. I'm not using it anymore. I'm not maxing it out. So now my credit is negatively affected by a closed account. The representative said this can not be reverse. The decision is final based on the automated credit report. I checked my emails and I never received this email. How can you base my credit worthiness even though I've been making the payments and it was only 2 months into the new 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 2026-07-15 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: PA

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
Fraud from people claiming to be FDIC agent, wire transfers, courier pick up and XXXX XXXX payment

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year> XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX MI. XXXX Charged me {$3.00} per gal. for gas When posted signs say {$3.00} Credit and {$3.00} Cash I used my debit card and informed them that it was the same as cash, they refused to correct it. Store # 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 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Request the following 1. My insurance policy is immediately reinstated based upon the past due amount of {$7.00} on the online bill pay website, see attached ; 3. Scheduled payment for XX/XX/XXXX for the due amount, that stated I must make the total payment by that date or my policy would be canceled. Kindly ask for the policy amount to be reviewed ; my old policy was from XX/XX/XXXX to XX/XX/XXXX, {$480.00} vs my new policy XX/XX/XXXX to XX/XX/XXXX in the amount of {$2800.00} ; that is a significant increase after adding one car that is similar. If the bi-monthly payment is {$2800.00}, then the monthly payment is {$480.00}, totaling {$2400.00} by XX/XX/XXXX and {$2800.00} by XX/XX/XXXX. The following payments were completed : XX/XX/XXXX : XXXX XXXX XXXX : XXXX XXXX/ XXXX : XXXX XXXX : XXXX Total : XXXX XXXX - XXXX XXXX remaining for XX/XX/XXXX, but the online portal said {$7.00} so thats what I paid. XXXX XXXX + XXXX XXXX = XXXX ; there is a scheduled payment for {$830.00}. Kindly de-conflict the difference in the amounts XXXX - XXXX XXXX, and reinstate my policy 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 2026-07-15 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: FL

Complaint narrative:
I already have a open case there is no option to add anything regarding citibank Since submitting my complaint, I contacted Citibank again regarding the XXXX XXXX balance that was being held after my account was closed. Citibank confirmed that the funds are still being held, but they stated they will not release the funds to me because the {$300.00} check was payable to my family member and not to me. Citibank instructed my family member to contact the issuer of the check and request a hold harmless/indemnity claim process. My family member contacted the issuer, and we were told that someone would call back regarding the request. I am requesting clarification because I previously received different information from Citibank representatives. I was previously told that any remaining funds after account closure would be returned within XXXX days. I was not informed earlier that the funds would not be released and that the issuer would need to take additional action. I am requesting that Citibank provide : Written confirmation of where the funds are currently being held. The written policy or agreement that prevents Citibank from releasing or returning the funds. A detailed explanation of the {$300.00} transaction that reduced the account balance. The exact process required to resolve this matter and release or return the funds Every customer service agent told me different things now i also want to know if they dont cash 3rd party checks why did they it was done mobile cashing we still have the physical check my family member could have cashed it by now at a check cashing store the issuer for the check use citibank so them to claim it was stolen is unbelievable my cousin live with me we have the same address

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have asked repeatedly for US Bank to CLOSE this checking account. Instead they keep adding a XXXX XXXX monthly charge!!!

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 2026-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wanted to file a grand larceny complaint to the police but they said i needed proof of fradulent activity from my bank. The bank won't provide me proof.

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 2026-07-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am submitting this new complaint because my previous CFPB complaint ( XXXX XXXX. XXXX ) was closed without resolution. Bank of America did not provide the records I requested. Instead, they sent only statement summaries, not the complete account statements and detailed transaction history I specifically requested. I have repeatedly requested the complete transaction history for my Business Credit Card account, including all transactions for XXXX ( especially XXXX and XXXX ) and XXXX. I also informed Bank of America that I can not access their secure electronic records on my tablet and requested that hard copies be mailed to me. Despite multiple requests, they have failed to provide the complete records or explain in writing why they refuse to do so. I believe the requested records are material to my dispute and request that the CFPB require Bank of America to provide the complete account statements and full transaction history for the requested period, together with a written explanation for their previous failure to comply.

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 2026-07-15 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: GA

Complaint narrative:
I am filing a formal complaint against Citibank for a severe processing error regarding a {$6200.00} dispute ( Case # XXXX ). I disputed a charge from [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because services were never received. The merchant never completed or delivered any legal documents. However, Citibank erroneously coded my dispute as " Credit Not Received '' ( refund dispute ) instead of " Services Not Received. '' Because of this internal clerical error, Citibank improperly required me to show a refund receipt. I am not seeking a refund credit ; I am disputing total non-delivery. I recently received the XXXX XXXX XXXX from Citibank, and it proves my case. The merchant only provided the initial signed intake agreement. They did not provide a copy of a Will, Trust, Durable Power of Attorney or Advanced Health Directive because nothing was ever completed. Under Fair Credit Billing Act ( FCBA ) and card network rules, a contract proves an intent to do business, not the delivery of services. Citibank 's dispute team operates entirely via email, blocks telephone access to investigators, and refuses to correct this coding error. I demand that Citibank 's regulatory compliance team manually review this file, correct the reason code to " Services Not Received, '' and permanently reverse this {$6200.00} charge.

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 2026-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding an auto insurance balance that was sent to Credit Collection Services by XXXX XXXX XXXXXXXX XXXX I canceled my XXXX auto insurance policy after discovering an issue involving an incorrect address on my account. I provided documentation showing the correct information, but XXXX advised that the documentation was submitted after the cancellation date and that a remaining balance was still owed. I also informed them that I was not receiving any letters or documents mailed to me due to the address they were sending it to was incorrect. During my communication with XXXX, I was informed that the matter was under review and that no additional fees or collection activity would occur while the review was ongoing. Despite this, the account was later placed with Credit Collection Services for collection. I am requesting that XXXX and Credit Collection Services provide documentation supporting the validity and accuracy of the alleged balance, including a detailed breakdown of the amount owed, account history, and the basis for sending the account to collections. I also request that any inaccurate information be corrected and that the companies work toward a fair resolution. If the balance is determined to be valid, I am requesting the opportunity to resolve the matter through a written agreement that prevents negative credit reporting or includes deletion of any reported collection account after resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
EMERGENCY REVIEW REQUESTED FORECLOSURE SALE SCHEDULED FOR XX/XX/2026 I am filing this urgent complaint against Shellpoint Mortgage Servicing for severe servicing errors and " dual-tracking '' violations under RESPA Regulation X ( XXXX C.F.R. XXXX ). My home is currently scheduled for a foreclosure sale on XX/XX/XXXX, XXXXShellpoint is actively mishandling my loss mitigation process. I have clear email documentation proving that I submitted every document requested for my initial loss mitigation review. However, the assigned loss mitigation XXXX completely failed to read my emails, ignored the attached documents, and forced me to re-apply. Not a single call made to the XXXX was answered, to which I was instructed to select an option to speak with someone else when no option was given. Upon re-applying as instructed, my application was immediately denied. The denial stated that Shellpoint did not receive the required documentsdocuments that were already in Shellpoint 's possession and attached to my previous emails. Shellpoint failed to provide a valid " Incomplete Application Notice '' listing missing items, choosing instead to issue a bad-faith denial to bypass federal consumer protections and rush to a foreclosure sale.I have sent a formal Notice of Error via XXXX Priority Mail XXXX XXXX # : XXXX ), but due to the extreme urgency of the XX/XX/XXXX sale date, I need immediate regulatory intervention.

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 2026-07-15 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: CA

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 2026-07-15 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: FL

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 2026-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Capital Mitigation Services, LLC
State: NV

Complaint narrative:
Multiple repeated phone calls between XXXX and XXXX. When I decline the first XXXX call, they call back from a private number and claim they did so " by accident ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm a victim of an employment scam totaling ( {$1200.00} some change ) XXXX bank representative are refusing to accept my fraud dispute and federal identity theft affidavit because they closed the account. I demand to the bank ' XXXX XXXX XXXX unit pause all collections and reviews my official XXXX affidavit to waive these debts.

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 2026-07-15 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: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2026-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
Radius Global Solutions LLC, verified with XXXX XXXX XXXX the debt was valid. This is in dispute, as I have never had an account with them. This has been a recurring issue for both me and my spouse in the same amount each time, in the amount of {$1900.00}.

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