vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX agency is a collection agency. They have my phone number by mistake. I have spoken to several representatives as well as several " supervisors '' there and informed them multiple times that they have the wrong number, and yet, this agency is blatantly violating the FDCPA by refusing to acknowledge and honor my cease and desist request. They are harassing me with phone calls, despite no account being in my name. This agency 's fraudulent business practices are a direct violation of FDCPA and TCPA regulations. I made them aware that I was extremely unhappy with the calls and was hung up on. They continue to call. XXXX harassment.

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 2026-06-23 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: MA

Complaint narrative:
I am submitting this complaint to request correction and resolution of inaccurate and unverified information currently appearing on my consumer credit report. Several items being reported are incorrect, incomplete, or lack proper verification, including inaccurate payment history, unauthorized inquiries, collection reporting without sufficient documentation, and incorrect personal information. These errors are negatively impacting my credit profile and do not meet the legal standards required under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. The continued reporting of inaccurate late payments, unverified accounts, and incorrect personal data demonstrates a failure to comply with this obligation. I previously disputed these items directly with the credit reporting agency and/or furnishers and requested proper investigation and documentation. However, the reporting remains unchanged, and I have not received adequate proof validating the accuracy of the disputed information. Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation and delete or correct any information that can not be verified. In addition, any credit inquiries reported without proof of permissible purpose violate 15 U.S.C. 1681b and must be removed. Furnishers also have a duty under 15 U.S.C. 1681s-2 to report complete and accurate account information. Late payments or derogatory marks reported without documentary support are inaccurate and misleading.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Balance is incorrect. Account in full {$0.00}. When there's a balance, Citi reports it on time, when the account is paid in full, they refuse to correctly send this to credit bureau. This accounts needs to be shown as paid in full and a XXXX balance! Every single month when there was a balance, reported to credit bureau on time, without a hitch. I paid the account in full on XX/XX/XXXX, the statement closed on XX/XX/XXXX, it's XX/XX/XXXX and they have not printed a legal official statement and when I call the representatives refuse to issue XXXXXXXX XXXX XXXX XXXX XXXX all report the old XXXX balance of {$5500.00}, not {$0.00} and paid in full as it should. This is illegal and I have already submitted a dispute with all three, but I wanted to submit this formal complaint because this behavior is malicious and illegal. Citi and any other bank has a legal obligation to report accurate information on time, not just when they feel like it. If I'm late, in default or whatever, they XXXX a customer 's name without delay, the same goes when an account is paid in full. Because this is affecting my credit report and score, it will affect my ability to attain credit and cause financial harm to which I will sue for damages if not mitigated fast enough. Just another predatory bank.

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 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, a {$50.00} electronic transfer was made from my Ally Bank account ( debit card ending XXXX ) to a XXXX XXXX balance. I did not authorize this transfer and received no benefit from it. I reported the error to Ally on XX/XX/year>. XXXX XXXX confirmed in writing ( email from XXXX XXXX XXXX dated XX/XX/year> ) that, under its bank-dispute process, it reversed the full {$50.00} back to my bank during the investigation. References : original transaction XX/XX/year> XXXX XXXX XXXXXXXX ; amount {$50.00} ; trace reference number XXXX ; authorization code XXXX. I provided this confirmation to Ally. Ally has refused to credit the {$50.00} to my account. Because XXXX XXXX has already reversed the funds back to Ally, the money is now in Ally 's possession ; there is no loss for Ally to absorb. Ally 's refusal violates Regulation E ( 12 C.F.R. 1005.11 ). After I reported the error, Ally was required either to resolve it or to provisionally credit my account within 10 business days and complete its investigation within the required timeframe. It has done neither, and it has not provided written findings.

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 2026-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today I discovered that Experian charged my bank account with XXXX XXXX XXXX, using my debit card to take funds from my account without notifying me of the charge. I am not sure how Experian obtained the debit card information from CCU because I do not have an account with Experian and have no desire to have an account with Experian. I am a more than a little bit alarmed when I discover charges in my account that I did not make or authorize, especially when the charge is made by a banking institution with which I have no account. The charge as reported in my CCU account is given below : Experian * Credit Report XXXX XXXX, Amount : - {$26.00} If there is some justification for charging me this amount, I insist on receiving a full explanation. Taking money from my account because of some credit report for which I received no notification or explanation is a practice that prompts me to object, especially when a valid debit card in my account is used without sending me a notice and explanation. Being an indigent XXXX senior does not mean I'm dead -- YET. I was given no notice of any sort other than the charge in my valid account. If there was a legitimate reason, giving notice is more than justifiable and acceptable to me, but no notice makes it questionable to me. It is for that reason that I am sounding an alarm now ; a customer deserves to be informed when funds are withdrawn by someone who is not the account holder nor another institution with whom the account holder has regular activities.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/XXXX I had some fraudulent activity. Someone who I never gave my info changed my address to somewhere in Florida and then somewhere in New Jersey. There was also a cash advance of XXXX that went from my credit card to my checking account. I didnt notice the money going into my checking account because it was used, without my permission, on bills that I had pending. I didnt want to use that on my bills because I wanted that money to go back to the credit card and I didnt want my credit affected by that. I talked to the bank but they told me Im suppose to pay it all back

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 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Loan was originally through nationwide which Citibank incorporated and I was advised to file a new complaint to get lein release on title

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: NY

Complaint narrative:
I opened Netspend checking account with promotional bonus of {$200.00} on XX/XX/XXXX and I have made sure that I completed all the requirements to receive the bonus but I didn't receive anything yet after 60 days that it stated. Terms was but this deal got extended, it was saying promotional period XXXX and XX/XX/XXXX. But I called the customer support and was told they didn't know anything about it or they said the promotion was starting from XX/XX/XXXX but actually it was extended after XXXX so I believe the promotion is running year long till now. The {$100.00} offer is valid through XX/XX/XXXX. * To qualify for this offer, ( XXXX ) you must acquire a new Netspend XXXX Account, register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX, and ( XXXX ) enroll in Direct Deposit and receive Direct Deposits ( excludes XXXX transfers, XXXX, and Tax Refunds ) totaling {$400.00} or more within 60 days of acquiring the account. XXXX required to keep your account active with XXXX XXXX through XXXX XXXX to receive the credit. Once this requirement is met, you will receive credit within XXXX to XXXX business days. See link XXXX XXXX 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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Date attempted to collect : XX/XX/XXXX Amount : {$1600.00} Date discovered : XX/XX/XXXX I have no idea what this account is, the collections agency IC SYSTEM told me this is something they have never seen before and has not gotten a response from the company XXXX who sent me to collections. I tried to dispute XXXX with the collections agency and XXXX with Experian ( the only active credit bureau showing the alert ) - I submitted FTC report and sent to Experian and showed it was disputed with Collections Agency and the collections agency continues to validate the charge so it remains on my credit score. Last attempt to solve with Experian was XX/XX/XXXX. Collections agency never sent any mail to me with any information about the collections noticed I simply found out after checking my credit score.

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 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Here 's your complaint copy and paste this directly : -- - Wells Fargo never sent me the original lien release after my auto loan was satisfied. I am currently trying to sell this vehicle and have an active buyer with a signed purchase agreement. The missing lien release is the sole reason I can not complete this sale, causing me direct financial harm every day this is delayed. I have made multiple calls to resolve this. I spoke with representatives XXXX, XXXX, and XXXX across multiple calls over two days. None were able to resolve the issue or connect me with a supervisor in a timely manner. During my second call I was told a supervisor would call me back, but nobody called for over four hours. When I called back I was told by representative XXXX that the standard callback window is two days information that was never communicated to me when I agreed to the callback. When I asked about expedited shipping options given the urgency of my situation, I was told Wells Fargo only ships via USPS and could not overnight the document on their own shipping account. I find it implausible that Wells Fargo has no relationship with XXXX or XXXX and no ability to expedite shipping on a document that should have already been in my possession. The seven day processing timeline I was given represents documents sitting in a queue, not any legitimate technical requirement. This delay is costing me an active vehicle sale, continued insurance costs on a vehicle I am trying to sell, and is jeopardizing a down payment I have already placed on a replacement vehicle. I am requesting immediate expedited processing and overnight delivery of my lien release at Wells Fargo 's expense.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On my flight I Was told in promotion there would be a {$0.00} intro annual fee, theyre now trying to force this {$99.00} annual fee to be paid within XXXX days. ive spoken to Barclays and XXXX and they both just keep saying this isnt our problem call frontier or you need to call Barclays its horribly wrong and theyre providing XXXX support.

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 2026-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CCS failed to notify me regarding the debt in writing. They reporting a debt of XXXX XXXX. I have never signed a contract with them.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a Wells Fargo debit card/ATM dispute. I used a Wells Fargo ATM to deposit {$100.00} into my account on XX/XX/year>. I did not withdraw {$500.00}. My account later showed a {$500.00} ATM withdrawal that I disputed. Wells Fargo initially provided a provisional credit while they investigated, but they later reversed that credit and determined the transaction was authorized. This reversal left my account negative. I requested the evidence used to make this decision, but I was told it could take 30-40 days to receive it by mail. I dispute Wells Fargo 's conclusion and am requesting a full explanation of the evidence relied upon and a review of the investigation. I am requesting that Wells Fargo explain the evidence used to conclude the ATM withdrawal was authorized and review my dispute because I maintain that I did not make or authorize the {$500.00} withdrawal.

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
On XX/XX/year>, at XXXX XXXX XXXX. I used the Ally XXXX mobile app to deposit a check.for {$500.00}. I received the standard email explaining that they had received my deposit. Usually I will receive a second email, explaining when my deposit will be available. The second email usually arrives early the next day, regardless if I make a deposit on a Friday. I did not receive the second email until the early morning on XX/XX/year>. This message stated that my deposit was submitted on XX/XX/year>. It also stated that the full amount would be available five days after the deposit date, and that I would not be receiving a partial amount. There was no reason provided for the delayed deposit, nor the delay in depositing the funds, or the partial amount not being deposited.

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 2026-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I always pay my card off in full every month. I usually pay the full statement balance but sometimes I pick the current balance. For the XX/XX/year>, payment date, I elected to pay the full statement balance of {$7300.00}. Wells Fargo ( hereafter to be known as " WF '' ) declined my payment even though I had {$13000.00} in the checking account with XXXX that I used to make the online payment. WF charged me a late fee and interest since according to them I did not make the payment. I called them. The reason they declined my payment is because it was for too much. Their system can't accept over-payments. Between the time that I scheduled the payment and the date the payment was processed, my account received a merchant return and my WF cash back credit. This lowered the balance due. Therefore, my payment was for too much and was declined. WF refunded me the late fee and some of the interest. I asked them to escalate this unethical business practice issue. Someone called me about 2 weeks later and told me they would not be doing anything to fix this. It seems predatory to me. The only way to prevent this problem in the future is to not pay the full balance due. I would incur interest charges but my payment would go through and I would not be charged a late fee.

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 2026-06-23 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: WA

Complaint narrative:
On XX/XX/year>, I was charged {$560.00} on my Citi credit card ( merchant : XXXX XXXX FL ) after attempting to book lodging at XXXX XXXX in XXXX, XXXX. XXXX XXXX is a condominium property and does not operate as a traditional hotel or have any official website or authorized direct online booking platform. I was directed via a XXXX XXXX listing to a website that appeared to be an official booking channel for the property and completed payment based on that representation. The website was not affiliated with XXXX XXXX and was a fraudulent impersonation site. The property has confirmed there is no legitimate direct booking website or authorized booking service. The merchant of record ( XXXX XXXX FL ) is unrelated to the property and did not provide any lodging service. The transaction was induced by misrepresentation of both the property and the booking channel. Citibank treated this as a standard merchant dispute and denied the claim as final. Citi later issued a partial goodwill credit of {$250.00}, leaving {$310.00} unresolved. This was a fraudulent impersonation / misrepresentation transaction involving a non-existent authorized booking channel, not a service dispute with a legitimate merchant. I request reconsideration and reversal of the remaining 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 monetary relief