vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
Continuation of " closed '' case XXXX. Following my attempt to get help from CFPB -- during which the company lied about the status of my complaint -- I sent more proof to US Bank and finally got a call from " XXXX '' in customer service. We spoke a few times while he was trying to fix the issue and he finally declared it done. He did give me his phone number and said I could call if the problem showed up again. The problem has resumed and I have left numerous messages with XXXX -- but no reponse. I need US Bank to take this issue seriously and fix it once and for all.

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 2026-06-16 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint against regional acceptance, corporation, ( a subsidiary of Truist bank ) for account misconduct, blocking customer, communication and failing to mitigate financial damage. On XX/XX/XXXX, my XXXX XXXX XXXX suffered a catastrophic blown engine. As a XXXX substitute teacher facing an upcoming summer employment gap, I can not afford the repairs and immediately initiated a volunteer surrender to minimize further losses. On XX/XX/XXXX, did Michigan branch manager, XXXX XXXX, explicitly told me that regional acceptance corporation refuses to repossess or pick up the vehicle because they value it at only {$5100.00} while my loan balance is approximately {$25000.00}. She flatly refused to give me a written statement or execute a lien release, telling me that shes not saying she wont do it and shes not saying she will do it that it may take a day or longer than that she will do it whenever she felt like getting to the paperwork. she said it could be one day or more. When I asked to speak to her supervisor or the loss mitigation department to find a resolution., she repeatedly told me no and blocked my access. Furthermore, I have received three or four calls from representatives that resulted an immediate hangups. When I finally reached the fourth representative on XX/XX/XXXX I documented XXXX XXXX hostile behavior on my official account file. The vehicle is stranded at my apartment complex XXXX XXXX XXXX in XXXX, Michigan. The complex uses a private towing company that charges a {$250.00} loading fee plus ongoing daily storage fees.. Because regional acceptance is refusing to collect their collateral or provide a lien release they are directly exposing me to aggressive, municipal and property liabilities. I have acted an absolute good faith. The vehicle is completely empty of personal items. The interior leather and exterior body are in very good condition. I have a formal letter from the repair shop, proving the engine failure and I have two sets of keys ready to hand over. I paid out of my own pocket to renew the registration tags until XX/XX/XXXX of XXXX to protect the asset .. Desired Resolution : I demand that Truist/Regional Acceptance corporate escalations team bypass the Michigan branch manager to immediately arrange a physical pickup of this vehicle from XXXX XXXX XXXX , or immediately issue a formal written statement of non-possession and a lien release so I can legally dispose of the asset before towing fees are incurred.

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 2026-06-16 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: PA

Complaint narrative:
I tried using my CC for some online purchases, and they kept getting rejected. I call the company and the woman on that date, told me that my account was closed, but she could not see why. I received a letter in the mail saying they closed it because they thought there was fraud on the account. It was not fraud it was me trying to make purchases. I called and the person I spoke with said that everyone focuses on the word fraud, but it could be anything. I said that they had said they closed it because of fraud.At the time of closing my account. it was up to date as i and made an over payment on this account. I owed {$330.00} and sent then {$3300.00} so there was an excess in that account. I have been calling ever since trying to get my money back, but keep getting the runaround. Every person I talk to tells me that they have to verify that the money is there, and if it is owed to me. It should not take over a month to verify that the money is there and that it is owed to me. They also keep telling me different amounts of time until they verify everything.

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 2026-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
I am filing this complaint against U.S. Bank regarding an unauthorized transaction on my checking account that resulted from their failure to deactivate an old debit card when a replacement card was issued. Approximately two years ago, U.S. Bank issued me a new debit card. At no point was I informed that my old card number would remain active, and I no longer had possession of the old card. I assumed, reasonably, that the old card number had been deactivated upon issuance of the replacement which is standard industry practice. On XX/XX/year>, a transaction of {$330.00} was made at XXXX using my old debit card number. The transaction posted as completed on XX/XX/year>. I became aware of it that morning when I received an automated email alert from U.S. Bank, which I have configured to notify me of transactions exceeding {$150.00}. I did not authorize this transaction. I do not have the old card and have not had possession of it for approximately two years. The only reason this fraud was possible is because U.S. Bank failed to deactivate the old card number when the replacement was issued. To further investigate, I used XXXX 's online receipt lookup tool, which requires the transaction date, card type, store location, last four digits of the card, and transaction amount. I searched every XXXX location in my area for this transaction and found no matching receipt. This strongly suggests the charge did not originate from a legitimate in-store purchase at any local XXXX. I have since contacted U.S. Bank and a fraud claim has been opened. However, I am filing this complaint for the following reasons : 1. U.S. Bank 's failure to deactivate a replaced debit card is an operational security failure that directly enabled unauthorized access to my account. 2. Consumers reasonably expect that when a bank issues a replacement card, the prior card number is closed. U.S. Bank 's failure to meet this expectation, and to communicate otherwise, constitutes an unfair practice that exposes customers to preventable fraud. 3. I want this incident on record in the event this is not an isolated failure and other U.S. Bank customers have experienced or may experience the same vulnerability. I am requesting that the CFPB : - Ensure U.S. Bank fully resolves my fraud claim and returns the unauthorized {$330.00} promptly - Investigate whether U.S. Bank 's card replacement procedures meet federal consumer protection standards- Determine whether this failure has affected other U.S. Bank customers I am happy to provide additional documentation, account details, or transaction information upon request.

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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays approved my XXXX XXXX card but immediately placed a restriction on it. I have NEVER been able to log in, activate, or use the card for a single transaction. Barclays then informed me they are permanently closing the account due to restriction, yet they are demanding I pay a {$99.00} annual fee for a card I was completely blocked from using. Furthermore, when I requested a supervisor on XX/XX/XXXX ( my due date ), the representative refused an immediate transfer and told me to wait until Monday, intentionally trying to force me into delinquency and incur late fees. I demand Barclays waive the {$99.00} annual fee and bring my balance to {$0.00} 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 2026-06-16 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: Uprova Credit, LLC
State: PA

Complaint narrative:
I borrowed {$1000.00} in principal from Uprova Credit , LLC ( Loan ID XXXX ). My loan agreement carries an annual percentage rate of 688 %. I have attempted to repay the entire {$1000.00} principal in full. I tried to make this payment using two separate, valid bank accounts in good standing one at XXXX XXXX and one at XXXX XXXX. Uprova 's payment system rejected both accounts as an " invalid account. '' I have screenshots documenting each rejection. I also called Uprova customer support multiple times and received no help resolving the issue. The effect is that I am being prevented from paying off the loan while 688 % interest continues to accrue. I am a Pennsylvania resident. Pennsylvania law caps interest on consumer loans of this type at 6 % per year for unlicensed lenders ( XXXX P.S. XXXX and the XXXX XXXX XXXX XXXX ), so the 688 % rate far exceeds what is lawful in my state. Uprova operates as a tribal lender and claims it is exempt from state usury law, but I do not believe that exemption is valid as applied to me. I have notified Uprova in writing that I am tendering the full {$1000.00} principal as payment in full and final satisfaction, that I revoke all ACH and debit authorization, and that I dispute any interest charged above Pennsylvania 's legal limit. Desired resolution : I want Uprova to ( 1 ) accept my payment of the {$1000.00} principal, ( 2 ) stop charging interest above Pennsylvania 's lawful limit, ( 3 ) confirm in writing that the loan is paid in full with a XXXX balance once the principal is paid, and ( 4 ) cease all automated calls and texts.

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 2026-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CapitalCredit LLC
State: VA

Complaint narrative:
I had several issues with this vehicle since purchase that couldn't be fixed despite repeated repairs. I notified the dealership of these repair items several times to no avail. My complaints fell on deaf ears. After over 1.5 years of paying for repeated engine and transmission issues and on-time payments, I was unable to afford the fixes on the vehicle any longer. I made several unsuccessful attempts asking the dealership to do the right thing. I purchased the vehicle in XXXX of XXXX and continued to pay the account until the middle of XXXX. I just got my credit pulled to purchase a home, and it was revealed to me that this account was marked as an involuntary repossession, even though I told them where the car was and to come get it ( because it wasn't drivable ). I am writing today to tell my side as I was this account would be removed from my credit once I told them where the car was and got it returned to them ( just like another vehicle I had years before ). It hasn't been and now it is impacting my ability to purchase a home. This is a bait and switch scenario, not to mention unfair and deceptive from the sales standpoint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my 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 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am filing this complaint regarding Barclays Bank and inaccurate credit reporting that Barclays has already acknowledged was incorrect. Barclays reported a late payment on my JetBlue Plus World Elite Mastercard account to the consumer reporting agencies. This reporting caused a significant decrease in my credit score. I disputed the reporting directly with Barclays. Barclays completed its investigation and, in a written letter dated XX/XX/year>, stated : " We have completed our investigation and agree to change the information that we reported. Specifically, we have removed the late payment history that you disputed. '' The letter further states : " Please allow up to 30 days for the changes to appear on your credit report. '' More than 30 days have now passed. The inaccurate late payment information continues to affect my credit profile and credit score. I am currently in the process of obtaining auto financing. Because Barclays continues to allow inaccurate information to remain on my credit reports after acknowledging the information was incorrect, I am at risk of receiving less favorable financing terms and suffering financial harm. I requested additional assistance from Barclays, including documentation describing the inaccurate reporting and confirmation that the correction had been submitted to the credit bureaus so that I could pursue a rapid rescore with lenders. Barclays declined to provide meaningful assistance and informed me that updated reporting may not occur until a future reporting cycle. Barclays has acknowledged that the late payment history was inaccurate and agreed to remove it. I am requesting that Barclays immediately notify all consumer reporting agencies of the correction, expedite removal of the inaccurate late payment history, and provide written confirmation that the correction has been transmitted to all applicable credit bureaus. I am also requesting confirmation of the date the corrected information was furnished to each credit bureau.

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 2026-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Subject : Final Enforcement Request Severe Inter-Bank Clerical Standoff and Unlawful Withholding of $ XXXXDear Consumer Financial Protection Bureau , I am requesting immediate federal intervention and a compliance audit into a complete clerical standoff between XXXX XXXX and Wells Fargo . My funds totaling {$150000.00} have been held for over eight months, grossly violating the 90-day safe-harbor limits outlined under Uniform Commercial Code guidelines ( UCC 3-312 ) .The Uncontradicted Facts : Wells Fargo Case # XXXX : Wells Fargo 's Enterprise Complaint Management Office issued an official letter stating that the check for {$160000.00} was successfully paid and cleared to XXXX XXXX as of XX/XX/XXXX XXXX Wells Fargo states the check is legitimate and validXXXX XXXX Stance ( XXXX XXXX ) : XXXX XXXX is withholding the remaining balance of {$150000.00}, falsely claiming they " can not verify the funds, '' while simultaneously refusing to submit an inquiry to Wells Fargo to verify them. XXXX XXXX states they will only return the money if Wells Fargo files a direct claim.The Standoff : On XX/XX/XXXX, Wells Fargo Escalations explicitly stated they refuse to file a bank-to-bank collection claim because their records show the item was already paid. Furthermore, Wells Fargo mistakenly tracked a dispute over a {$0.00} change check instead of the $ XXXX Violation : XXXX XXXX is in possession of cleared funds belonging to me since XX/XX/XXXX. They are hiding behind arbitrary internal rules to hold my life savings hostage. Wells Fargo is closing its investigation without executing the manual administrative routing required to resolve a closed-account ledger transfer.Both institutions are failing their regulatory duties to the consumer. I demand that the CFPB compel senior management at both XXXX XXXX and Wells Fargo to immediately coordinate an electronic ledger settlement and mail my {$150000.00} physical payout check to my verified address.Sincerely, 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 explanation
Consumer complaint received 2026-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account and immediately forfeited XXXX earned rewards points due to a single payment that was only a few days late. This unilateral cancellation is an unfair, deceptive, and abusive practice under CFPB XXXX XXXX, as I committed no fraud or material misconduct. I demand the immediate reinstatement of my rewards or a cash-equivalent statement credit of {$910.00} applied to my balance. I filed a complaint already over a month ago and they have yet to reply. Banks are legally required to respond to a CFPB complaint withinXX/XX/XXXX days. My account closure was triggered by a minor, non-material event ( a few days late ) and they have not responded. Please escalate this. I have tried calling them and get the runaround or told that's not possible. I have read many times they can manually re-instate. I do not believe this to be a fair practice they are running when they seize points that were won fair and square.

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