vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a Bank of America credit card. Out of nowhere they cancelled my autopay. I reset it back up and from that point on for 9 months I was either charged too much or not charged at all and they hit me with late fees and interest charges. They accepted blame each time, but again messed up and charged me too much on my next bill. I got a bill with an extra {$5500.00} dollars on my {$3000.00} bill for a total of {$8500.00}. I immediately called and asked for a refund. The next day I saw it did not go through because I did not have enough money in my checking account. I called back and paid the {$3000.00} I owed and told them to cancel the {$5500.00}. They said it was no problem and they said they would cancel it. They still sent the {$5500.00} so I immediately paid it back. The next bill I owed around {$3000.00} and they charged me for the {$8500.00} + {$3000.00} that I already paid. I did not have XXXX in my checking account so I called my bank and told them to decline payment. It said in my statement that I had a - {$8000.00} in my BOA account. The previous statement was at XXXX. When it didnt go through the bill showed up for what I owed and thought it was normal. They then cancelled my cards. I got a letter in the mail a week later. I paid the full bill to be done with them and then I see an interest charge of {$58.00}. I call again and they put in a request for a refund and declined it. Everyone I talk to in customer service says its a final decision. Its unbelievable that banks can do this to people and say someone else made this decision and its final and there is no way to contact anyone else. I was told its just a waste of your time. Never use BOA. My father in law is going through a similar issue with auto bill pay with them currently. They are a mess.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
Someone stole all of my credit card information and used it to buy two concert tickets totaling {$1700.00}. USAA Bank says I made the purchase and I did not. I filed a dispute with them and it did no good. I am an XXXX XXXX XXXX veteran on social security so they should realize I couldnt be spending that much money on concert tickets. That would be close to a months income for me.

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am an XXXX student and the victim of a targeted cybercrime/phishing scheme that bypassed the security filters of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A criminal impersonating a school official sent a fraudulent job offer to my official student inbox, hiring me as a " personal assistant. '' They instructed me to deposit a {$400.00} check into my Wells Fargo checking account and transfer the funds out via XXXX XXXX to what I was told was a " donation to an XXXX charity. '' Acting in good faith on what appeared to be a verified, institutionally vetted email, I followed the instructions of my supposed employe The check was later returned as fraudulent, plunging my student account into a negative balance of - {$290.00}. Furthermore, Wells Fargo seized {$100.00} of my own personal funds that were already in the account prior to the fraud. Because Wells Fargo drained my account. I have taken immediate, proactive steps to resolve this, including filing an official fraud report with the Maryland XXXX of the Attorney General and contacting my school district, which has opened an active IT investigation into the network breach On XX/XX/year>, I successfully escalated this to XXXX XXXX XXXX support team. XXXX XXXX has officially launched a XXXX day funds-retrieval investigation to try to track and return the funds to Wells Fargo Despite my status as a student victim and my extreme diligence, Wells Fargo 's automated system instantly XXXX XXXX fraud claim without human review. Furthermore, when I escalated the call to a XXXX XXXX today, the bank refused to reopen the claim, refused to pause penalties while XXXX XXXX conducts its XXXX tracking investigation, and explicitly refused to provide me with the documentation and account statements I requested to help clear my name with law enforcement. I am requesting that Wells Fargo 's XXXX consumer team manually review this file, accept my law enforcement and XXXX XXXX dispute documentation, freeze any negative reporting to XXXX or collections while the XXXX XXXX XXXX tracking is underway, and waive the negative balance of - {$290.00}.

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 2026-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Company Complaining About : Citibank , N.A . ( XXXX XXXX XXXX XXXX XXXX ) Desired Resolution : Correct the credit bureau reporting immediately. Remove the inaccurate " Charge-Off '' status and update the account to reflect that it was settled in full according to the agreed terms while the account was less than XXXX days past due. Description of What Happened : I am filing a formal complaint against Citibank regarding the inaccurate and damaging credit reporting of my XXXX XXXX XXXX XXXX card account. Due to a temporary financial hardship, I entered into a formal, one-time settlement agreement with Citibank to resolve my account for less than the full balance. Per the terms of our agreement, I successfully completed the breakdown of this settlement across three separate payments. My final payment of {$600.00} was made and cleared on XX/XX/year>. Despite fulfilling the exact terms of the settlement, Citibank has wrongfully reported this account to the credit bureaus with a " Charge-Off '' status. On XX/XX/year>, I spoke directly with a Citibank customer service representative to address this egregious error. The representative confirmed directly from the internal system records that as of XX/XX/year> ( the month the settlement was finalized ), my account was only XXXX days past due. Industry standard and federal guidelines prohibit an account from being charged off prior to reaching XXXX to XXXX days of delinquency. Because my account was never XXXX to XXXX days past due, and was explicitly confirmed to be only XXXX days past due at the time of resolution, a " charge-off '' status is a severe factual inaccuracy. If the terms and conditions had stated this would be reported as a charge-off, I would never have agreed to it. The agreement was to settle the account in full, which I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
The collection agency is refusing to provide full validation or verification of this disputed debt as required by federal law, and is failing to provide accessible, documented payment options outside of high-pressure phone calls. The only thing I have been sent is a one page letter stating the amount attempting to be recovered and what number to call, no itemized list as requested and no further details on payment. Company refuses 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 2026-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian, Transunion and Equifax violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
First, this is not a duplicate complaint. He has not re opened my account according to the Americans with Disabilities Act. I asked XXXX to refund me. He offered several plans. I paid the plan and he closed the account. Times are difficult, now a days, I need a check for the {$120.00}, for the payment last month, if he can not re open the account. He can mail a check. I have to get a bus pass, medicine and other necessities. It would be nice if I could reuse the low balance card. Why does he want to ruin my credit score? I do not want die of malnutrition or risk getting attacked walking the streets. This company is not being fair. I am disabled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information being reported is inaccurate and not supported by proper validation. Since the furnisher can not verify the accuracy of the account, I am requesting deletion in accordance with the 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 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
b'Timeline Summary Citi XXXX Duplicate Charges Dispute\XXXX Purchase made from XXXX. Citi automatically created two XXXX XXXX:\n XXXX XXXX XXXX $XXXX (monthly payment $XXXX)\n XXXX XXXX XXXX $XXXX (monthly payment $XXXX)\XXXX XXXX (Billing Cycle 1) First monthly XXXX XXXX payments posted: I paid it \n $XXXX (Plan 6)\n $XXXX (Plan 7)\XXXX XXXX (Billing Cycle 2) Second monthly XXXX XXXX payments posted: I paid it \n $XXXX (Plan 6)\n $XXXX (Plan 7\XXXX XXXX (Billing Cycle 3) Third monthly XXXX XXXX payments posted: I paid it.\n $XXXX (Plan 6)\n $XXXX (Plan 7)\nTotal paid before XXXX\n XXXX XXXX XXXX: $XXXX (fully paid; exceeds $XXXX balance)\n XXXX XXXX XXXX: $XXXX (fully paid; exceeds $XXXX balance)\nBoth XXXX XXXX were paid in full by XXXX XXXX.\XXXX XXXX I opened a dispute regarding the XXXX transaction. Citi issued \ntemporary credits for the XXXX XXXX balances.\nNext Day XXXX XXXX I withdrew the dispute. Citi reversed the temporary credits.\nInstead of restoring my original payment history, Citi re-added the full XXXX XXXX\nbalances of $XXXX and $XXXX as new charges \nThis created duplicate charges for both XXXX XXXX.\nPost Withdrawal (XXXX XXXX onward) Citi continued billing the re-added XXXX XXXX \nbalances even though the original balances had already been fully paid.\nMy account now reflects duplicate XXXX XXXX charges, incorrect balances, and \ninaccurate payment history.\nIssue Summary\nCiti improperly re-added XXXX XXXX XXXX and XXXX XXXX XXXX balances after I withdrew a \ndispute, despite the fact that both plans were already paid in full. This resulted in \nduplicate charges totaling $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 2026-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am Trustee on my mothers XXXX account, and I was speaking with our XXXX lawyer on distributions, via email. On XX/XX/XXXX, I wired a large sum of money ( {$800000.00} ) to who I thought was my lawyer, but his or my email was compromised and spoofed, and I wired money to a phishing scam at CitiBank. My bank is XXXX XXXX. On Monday the XXXX XXXX contacted me again to verify veracity, and I was told that Citibank had flagged their account as possible fraudulent account. The monies were on hold apparently, so upon discovering the fraud, we stopped the wire and demanded a Recall. Since then I have called nearly every day but my bank tells me its still under investigation. I have called Citibank numerous times, but they do not wish to provide information to me since I do not have an account there. They asked XXXX bank to have me submit the police report, which I did, to XXXX I have submitted police reports and have filed with XXXX as well. I call the FBI but they refuse to answer and only suggest XXXX which I have done. Citibank purposely avoids consumers calling, using automated recordings to avoid interaction. I have spoken with Citi Fraud Help but they tell me I need to reach my Ally Bank for info They have been stonewalling me with delay tactics, meanwhile this money is out there and they are not providing me resolution They are harboring a known XXXX XXXX scammer account, as they flagged it as fraud, yet they continue to delay the Recall. It has been weeks and I am getting the run around, and I want to escalate this. I wish to invoke the Know Your Customer ( KYC ) rule because Citibank are allowing a scam account to remain active, and are also holding my funds ransom. I need Citibank to be held responsible, just because I dont have an account at their institution doesn't mean they can skirt the law of allowing their customers to steal my family 's inheritance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed a strange number being requested for verification when I tried to log in to my account. I called Citibank and was on the phone for XXXX hrs. being bounced from XXXX person to another. I was told I was crazy by XXXX person. I was hung up on, given numbers that were not even Citibank for follow up, and told they no longer had an XXXX response team. I was able to find XXXX response 's number by googling with the help of AI. I filed a report on XX/XX/XXXX. I was assigned an analyst who was suppose to contact me. I called him on XX/XX/XXXX from my local police station and was told he was not available. I called again on XX/XX/XXXX and was told his phone was not working and he was not allowed to use another phone. On XX/XX/XXXX he called me and had nothing to report, could not answer any questions and said it would take 15 days to look into. This account is an accelerated savings and I have a direct deposit every XXXX weeks. Total Amt that I can not access is {$15000.00} and I am due to have {$200.00} deposited on XX/XX/XXXX. For some reason I am now able to log into my acct. All of my information is correct. I have put in for a transfer online thru XXXX XXXX XXXX for {$15000.00} from my Citi acct. to see if it would go thru so I can close this acct. It has been pending for 2 days and I was told I could not transfer money until this is 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 explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC
State: GA

Complaint narrative:
I was unlawfully contacted by this company at XXXX XXXX through a text claiming I owe a debt that has been paid. This debt was paid in full as noted in the documents. I do not know who this company is nor do I have a contract with them. The contact information on the notice they sent is not correct. I am tired of being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX customer of Regions Bank. On XX/XX/year>, I opened a promotional XXXX XXXX Account online following a marketing flyer sent by the bank. Regions automated system completed onboarding and accepted a {$15000.00} deposit from my XXXX XXXX account. A Regions XXXX XXXX confirmed that the {$15000.00} arrived to Regions from XXXX XXXX. However, due to an internal system architecture flaw, Regions ' back-end fraud engine silently executed a total relationship freeze on all my accounts on estimated to have occurred on XXXX XXXX locking my established XXXX checking account without prior notice, answered phone call, or email warning. They did try to call XXXX time and I did not answer. I have no voicemail setup. Regions Bank then rejected the {$15000.00} deposit on XX/XX/year>, and claims to have initiated an ACH return to XXXX XXXX under Trace Numbers provided by the branch. Because Regions instituted a silent freeze and withheld my account status, multiple third-party payments were disrupted, including a pre-scheduled external transfer and an automatic utility bill with Florida XXXX XXXX XXXX XXXX I only discovered my assets were frozen when the utility company notified me of the rejection on XX/XX/XXXX. Furthermore, Regions Bank demonstrated a gross operational lag. They generated a physical warning letter dated XX/XX/XXXX, stating I had XXXX days to update an expired ID on file before accounts would be closed. Yet, they allowed this letter to sit in the mail systemarriving on XXXX XXXX after their automated system had already aggressively locked me out, rejected my funds, and damaged my vendor relationships. To date, I have completed XXXX physical trips to a local branch and endured multiple call center calls, totaling XXXX hours of manual administrative labor to resolve a crisis created partially by Regions ' flawed software automation and partially by XXXX XXXX unwillingness to assist in this matter. While my primary accounts are now unfrozen, the {$15000.00} remains completely missing in transit. XXXX XXXX denies receiving the return, and Regions refuses to manually engage with XXXX XXXX in a meaningful way to resolve the settlement mismatch. A parallel CFPB complaint has been filed against XXXX XXXX under XXXX XXXX XXXXXXXX regarding the exact same missing {$15000.00} transaction.

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 2026-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint to formally report inconsistent and conflicting credit reporting related to my XXXX XXXX account ending in XXXX. The account reflects a balance of {$420.00} and an opening date of XX/XX/2023. However, the information reported by TransUnion, Experian , and Equifax presents XXXX different versions of the same account history, creating confusion and raising serious concerns about the accuracy of my credit profile.TransUnion reports a progression of late payments, including XXXX, XXXX, XXXX, and XXXX delinquencies, suggesting an extended period of nonpayment. In contrast, Experian reports only XXXX and XXXX late payments, with no indication of further escalation. Equifax also reports XXXX and XXXX late payments but lists the creditor under a slightly different name, XXXX XXXX XXXX XXXX XXXX These discrepancies create inconsistencies not only in the severity and timeline of the reported delinquency but also in the identification of the creditor itself.Such inconsistencies raise serious concerns under the Fair Credit Reporting Act ( FCRA ). Under XXXX ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information. Additionally, under XXXX ( a ) ( XXXX ), furnishers are obligated to correct and update inaccurate or incomplete information, and under XXXX ( b ), they must conduct a proper investigation upon receiving notice of a dispute. These issues may also implicate my rights under 15 U.S.C. 1666 and 1666a, which address the correction of billing errors and provide protections during disputes.The continued presence of these discrepancies suggests that the information has not been consistently verified or reconciled across all reporting agencies. As a result, my credit history is being presented in a fragmented and potentially misleading manner, which may adversely affect my creditworthiness and overall financial standing.i respectfully request a regulatory review and appropriate intervention to ensure that all parties involved comply with their obligations to report accurate, consistent, and fully verified 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 explanation