vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On 3 occasions I tried to reach out for help XX/XX/year>, XXXX, and XX/XX/year> with absolutely NO success. BMO took a XXXX deposit that is my son 's. I had a fraudulent check that I deposited for a scam job that I thought was real. I was told to deposit the check and when it was available transfer to a different account and order my equipment from their vendor to work from home. I understand it is my fault for thinking I got a job and using the check, but BMO took my son 's XXXX check to cover part of the negative balance and now he is out all the money he uses to pay his bills. The fraud department told me on 2 different days that I had to wait for 2 days to get the funds that were deposited. The 3rd time I called the lady said they would not release the funds they were keeping covering what part of the negative balance because I am the trustee on his payments. They are all very rude and have not helped me at all. I feel that they should hold me accountable but not my son and they need to work on their customer service skills all around. I also lost more money out of the other account, and they wont even offer me hardship to help me recover any of this.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a complaint regarding my checking account with Ally Bank, which has been restricted without prior notice or clear explanation. At present, I am unable to access my account or my funds, and Ally Bank has not provided sufficient information regarding the reason for this restriction or the expected timeline for resolution. I respectfully request that Ally Bank prioritize restoring access to my account as soon as possible. If the account can not be reinstated, I request a clear explanation for the restriction, along with detailed information on how and when my remaining balance, including any pending or recent transfers, will be returned to me. I would also appreciate a defined timeline for resolution, as the current lack of transparency and access to funds is causing significant inconvenience. All funds in my account are from legitimate sources, and I am fully willing to provide any necessary documentation for verification. Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation. Sincerely, 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 2026-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During the Financial Crisis, Wells Fargo offered to reduce interest rate to make my loan more affordable. After numerous attempts and long delays, they to modify the interest rate to 3.5 %, which would give me a lower monthly payment. However, they failed to tell me that they also extended the loan amortization from the standard XXXX years to an non-standard XXXX years! Rather than just lowering the interest rate as they promised, they also made it more expensive by adding an extra XXXX years of payments to my loan. They did not provide me with proper disclosures, and I was told over the phone that if I don't quickly accept what they offered, they would start foreclosing my house. I was not given proper time to review the loan documents and forced to sign under duress and threats of foreclosure. Adding an extra XXXX years of payment to my mortgage plan is unconscionable, especially when what the bank 's representative said to me was different than the final documentation.

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 2026-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I have had my car loan with USAA Federal Savings bank, now, for almost a year. Every month, they have some sort of issue with my payment, and cancel payment, send money back etc.... I have even had a check " go missing '', that I've had to cancel. So I talked with a male representative of this bank and he suggested to me, different alternatives of paying. One was with Debit card, over the phone. I was told that to pay with debit, had to wait XXXX days after due date ( the XXXX ) so the XXXX Did that a few times, now im getting late charge as a result. He told me, i would not get any late charges. I am getting nowhere with this car loan, because of this people. Im about to get my attourney involved. Sincerely, 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 2026-06-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing an urgent consumer fraud and deceptive lending complaint against Synchrony Bank regarding an unauthorized/misrepresented commercial credit account established on my property.My signature on the XXXX XXXX XXXX XXXX XX/XX/year> was obtained entirely through Material Misrepresentation and Fraud in the Inducement by the XXXX, Productive Home XXXX XXXX XXXX The XXXX verbally and falsely assured me that this document was merely a routine confirmational signature to proceed with the flat-roof wooden sloping framework. They explicitly lied to me, stating that flat roofs and this wooden sloping work did not require any municipal building permits from the XXXX of XXXX. As a new immigrant homeowner, I was completely misled and defrauded under false pretenses.In reality, the hand-written product description on this slip, " Roof sloping '', represents major structural alterations on an XXXX sq ft flat roof area. The XXXX performed this structural framing alteration completely WITHOUT A BUILDING PERMIT. The Permit issued by the City of XXXX on XX/XX/year>, explicitly dictates " no flat roof areas '', and this illegal construction has been formally cited as an active unpermitted structural safety hazard by the XXXX XXXX XXXX XXXX XXXX XXXX under Case No. # XXXX ( Status : XXXX ). Furthermore, the California XXXX XXXX XXXX XXXX ( XXXX ) has officially accepted and processed this case as active Complaint No. XXXX California consumer protection laws, a signed consumer credit slip obtained through documented XXXX deception for an illegal, unpermitted municipal building violation is legally void. Synchrony Bank failed its basic compliance and merchant vetting duties by financing an illegal structural project without verifying active building permits. I demand Synchrony Bank to permanently reverse and cancel this {$8500.00} fraudulent finance charge and close this credit account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXXTruist bank XX/XX/year> and shortly after I received a lump sum check from XXXX XXXX around {$20000.00}. And was using the money for what I need and doing what I wanted. Well I wasnt paying attention to all the charges until recently and have noticed multiple duplicate charges that are over {$10000.00} for multiple companies so I file d a dispute. Truist looked at the dispute for about XXXX day and denied my claim. And said that is thats go after the merchants for your money. The merchants never received any of the duplicate withdraws. The claim XXXX XXXXXXXX

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 2026-06-15 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX account # XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2026-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Professional Services, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I received written correspondence from Central Professional Services attempting to collect a debt on behalf of XXXX XXXX XXXX. Reference number to the claim was XXXX. I immediately called the billing department of XXXX to exclaim that I had already paid the debt over XXXX months ago. They had no record and requested I send proof of payment to a XXXX party. I then reached out to the hospital portal to file complaint with the billing department and made XXXX simple demands : - immediate written communication that my account was paid in full and no balance due - written communication that no negative reporting has been made to any collection agency, or if it has, it be rescinded - a detailed explanation of how the error occurred - assurance that corrective measures have been implemented to prevent similar incidents I sent supporting documentation to the billing department of XXXX on XX/XX/XXXX including payment type, reference numbers, and date that the check cleared. I requested confirmation of receipt on XX/XX/XXXX and received confirmation on XX/XX/XXXX. I sent copy of cleared check and other supporting documents XX/XX/XXXX and asked for resolution by end of day XX/XX/XXXX. I received no additional communication from XXXX XXXX. I feel as though the billing department is dragging their feet and jeopardizing my good credit. I've sent dispute to collection agency XX/XX/XXXX putting them on notice that I am not responsible for this debt and that it's paid in full.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a written dispute regarding several inaccurate and unfamiliar items appearing on my credit report. It has now been more than 30 days since that notice was provided, and I have not received any response, results of an investigation, or confirmation that a reasonable investigation has been conducted. This lack of action is both unacceptable and concerning. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation of disputed information within 30 days of receiving a dispute. If you are unable to verify the accuracy of the disputed items within this timeframe, the law requires that such information be deleted from the consumers credit file. Given that this statutory period has already elapsed without proper response or verification, I expect the immediate deletion of all disputed accounts from my credit report and an updated copy reflecting these changes. Failure to comply with these legal obligations may constitute willful or negligent noncompliance with the FCRA. If this matter is not resolved promptly, I am prepared to escalate it further, including filing formal complaints and pursuing legal remedies available to me. Additionally, I would like to note that I have been impacted by the widely reported data breaches involving Equifax, XXXX, and TransUnion. These incidents raise serious concerns regarding the accuracy, security, and handling of my personal information. As such, I expect heightened diligence and full compliance with all applicable laws in addressing my dispute. I look forward to your prompt resolution of this matter.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
The issuer ( XXXX XXXXZions ) violated Truth in Lending Act ( TILA ) Regulation Z, 12 CFR 1026.7 ( b ) ( 14 ), by failing to disclose the expiration date of my 6-month promotional interest rate on my monthly billing statements. The date was completely missing from all PDF statements and the online banking portal. I was forced to call customer service on XX/XX/year> just to obtain this legally required disclosure. I am filing this complaint to hold the financial institution accountable for systemic non-compliance and to ensure no illegal interest is assessed to my 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 2026-06-15 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: IN

Complaint narrative:
I had a Purchase with XXXX for {$1500.00}. That payment was refunded by XXXX on XX/XX/XXXX ( in XXXX parts, XXXX for XXXX and the other for XXXX ), and then confirmed on XX/XX/XXXX, then posted from XXXX XXXX and XXXX inst. on XX/XX/XXXX, the refund showed as pending on my Citi XXXX on XX/XX/XXXX and XX/XX/XXXX, magically late the evening of XX/XX/XXXX I received an email from Citi, stating that the refund transaction had been " cancelled '' and of course my statement closed that evening, so on XX/XX/XXXX there is {$1500.00} more on my statement than there should be. on XX/XX/XXXX I contacted XXXX to confirm that they XXXX did not cancel it on their end, and XXXX to see if I could get any documentation from their XXXX as well as their bank 's proof showing the charge had posted to their account. XXXX provided me this information showing this. When I contacted Citi on XX/XX/XXXX they gave me the typical " oh pending credits fall off '' speech, however I believe they are intentionally withholding credit 's for days if not weeks after they receive the funds from the merchant, in order for a higher amount to post on the statements, and thus charge more in interest ( as they charge based on the statement balance, not the due balance, ). In my situation I will be charged interest on an extra {$1500.00}, that should never had been on my statement. Citi refused this, and when I told them what I thought they were doing, they told me they can no longer talk to me. I believe they are committing fraud, and it perhaps may be on the dispute side as well. as those are handled in a similar fashion.

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 2026-06-15 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: Veros Credit, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX is reporting unauthorized collection to profile

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions refusal to reimburse nine ( 9 ) unauthorized debit card transactions that I reported as fraud. Navy Federal denied both my fraud claim and appeal, stating the transactions were completed in person using tap-to-pay ( contactless card present ) and therefore considered authorized. I dispute this determination. On the date in question, nine identical transactions of {$14.00} occurred within a very short timeframe ( approximately 12 minutes apart, then every ~20 seconds ). These transactions occurred across merchants located in Tennessee and Florida. At the time these transactions occurred, I was physically in Georgia, actively driving, and in continuous possession of my debit card. I did not authorize or participate in these transactions and did not travel to the locations where they occurred. My mobile banking alerts notified me in real time as the transactions were occurring, and Navy Federals fraud department contacted me during the activity, indicating the pattern was recognized as suspicious while it was happening. Navy Federals denial appears to rely solely on the classification of the transactions as card-present contactless. However, this label does not independently verify that I physically performed or authorized the transactions. A card-present designation alone is not sufficient proof of authorization, especially given the rapid-fire pattern, identical transaction amounts, and cross-state activity occurring while I was physically elsewhere.

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 2026-06-15 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: TX

Complaint narrative:
I dispute this hard inquiry because I did not consent to this company obtaining my credit details.

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