vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I made a purchase in the amount of {$930.00} on XXXX XXXX from XXXX XXXX. When my item was delivered on XX/XX/year>, there was significant damage to it. I called XXXX XXXX and was given a partial refund. They adjusted the amount to {$820.00}. My receipt now reflects {$820.00} was the amount owed, yet my USAA credit card is still charging that initial {$930.00}. I submitted a dispute with USAA on XX/XX/year>. I have called their customer service department 6 times to find out why my account has not been adjusted. I sent in the receipt from XXXX XXXX showing the {$100.00} overcharge. With each of those calls, I was told a computer was looking into this. On the phone for the 6th time, I told the representative to add a note to my account stating I would be filing a complaint if this issue wasnt resolved in a timely fashion. I then received a request from USAA, with a list of demands and documentation that isnt available or relevant to this issue, and I told them as much. I then received a phone call from a woman who claimed to be from USAAs credit card department. I had no way to verify her, so I ended the call by letting her know I would call USAA on their direct line to ensure she was a legitimate representative. I never got to her. I was sent to another woman who had to add more notes to my account, reiterating everything that had already taken place. It is XXXX XXXX. My account still sits with a {$100.00} overcharge. Its been 59 days of me calling to check on this dispute, resubmitting the exact same receipt over and over, and speaking to people who all blame a computer for the untimely delay. Im not asking for a favor, here. Im asking that someone help me not be stolen from by large corporations, who train their employees in the art of circumlocution in hopes that you go away, and dont hold them responsible.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I had got a credit card through XXXX. I had not activated the card, but got charged fees. In the credit information that came with the card, it blatantly says if card is not activated and I did not make a pament i would not be responsible for fees. I talked to the company and told them this is stated, and I got a whole run around and told I would get a link to scan by computer and send. I was talking to someone for over 4 hours cause they kept saying I have to look over your account. I still have never received the link. They said it would be a few days, so in turn this is gon na make me pay because my bill is due on XX/XX/XXXX, and by paying I am agreeing to use the card, which I do not want because the fees are to high. I do not know why this is next to impossible when applying for the card I was never told if approved or not ; it just came in the mail. I am having a hard time getting this resolved, but I have it in black and white stating i do not owe if I reject the plan. I have the proof if it is needed. Please help me, I do not want to ruin my credit because of a company 's mistake. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: COAST PROFESSIONAL, INC.
State: OK

Complaint narrative:
In XXXX of XXXX, at the age of XXXX XXXX XXXX, I began to attend XXXX XXXX XXXX in XXXX, Washington. I was told that I was their first student to sign up for their new, at the time, program for XXXX XXXX Since only XXXX people, me and some other student, had signed up for XXXX XXXX that we would be merged into the XXXX program since we had the same classes, syllabus, for the XXXX XXXX XXXX. After the second quarter ended, and they still hadn't had any other students sign up for XXXX XXXX we two students were told we wouldn't be able to continue until they had more students. We were told we could either merge into the XXXX program, which the other student did. Or that my continued involvement in the XXXX XXXX program would be placed on hold for anywhere from 6 months and up to a year. I told them I didn't want to attend their school anymore, tried to even contact the presiding president of the institution and was ignored completely once I told them it was fraudulent to begin a course without enough students and if I had known they hadn't had enough students enrolled and would've never signed up if I had known that might happen. They immediately sent me to a collection agency and I told them I wouldn't pay back a fraudulent loan and wanted to go to court over it. Unfortunately I had no knowledge of how to do this and instead over the years have incurred continuous interest rate accumulation from the loan and it's affected my credit score going on 26 years now. My mental health disorders made it difficult if not impossible to be able to deal with the situation and I have had at least 7 different collection agencies over this time period due to how credit companies sell off accounts or close. I'm currently working on my mental health disorders and my SSDI claim court date is on XX/XX/XXXX in XXXX, Oklahoma. XXXX was shut down for fraudulent activities by the government awhile back and I need help to get rid of this loan but never had any idea of how I could so my mother that just had bank fraud by some criminals told me to try with your organization to figure out how to resolve this. Thank you for your time, 26 years of these continuous threats to collect the loan debt has been something weighing heavily on my mind and I need it to end please.

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 2026-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding the balance being reported on my automobile account and the collection practices used by the creditor. Following a serious automobile accident that resulted in significant damage to my vehicle, I attempted to address my account. Instead of receiving reasonable assistance, I began receiving repeated and threatening phone calls from the creditor and/or its representatives regarding the outstanding balance. The tone and nature of these calls caused me significant distress during an already difficult time. I dispute the balance being reported and request that the creditor provide a complete accounting of the amount they claim I owe, including how the balance was calculated, any insurance payments received, fees added, interest charged, and any other adjustments made to the account. If the balance can not be fully verified, I request that it be corrected or removed from my credit reports. Additionally, I request that the creditor investigate the conduct of its representatives regarding the threatening collection calls. Consumers have the right to be treated fairly and without harassment during debt collection efforts. I ask that all collection communications comply with applicable federal and state laws going forward. I am requesting the following resolution : Conduct a complete investigation of the disputed balance. Provide documentation supporting the amount claimed. Correct or remove any inaccurate information reported to the credit reporting agencies. Cease threatening or harassing collection calls. Respond in writing with the results of the investigation and any corrective actions taken. This inaccurate reporting and the collection practices have negatively affected my financial well-being and creditworthiness. I respectfully request a prompt and thorough investigation and 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 2026-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
A collection account from XXXX XXXX XXXX XXXX was previously deleted from my TransUnion credit report. I verified it was removed on XX/XX/year>. On XX/XX/year>, XXXX XXXX re-reported the debt as a new collection account ( {$1500.00} ) to TransUnion without my knowledge. I received no written notice from TransUnion of the reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). I also requested debt validation from XXXX Resale Specialist ( rep : XXXX ) on XX/XX/year>. They could not provide documentation and said they would follow up. They never did. Despite my outstanding validation request, XXXX XXXX re-reported the debt 9 days later, which is a violation of the FDCPA. XXXX XXXX was served with a court summons on XX/XX/year>. The re-reporting occurred 12 days after being served, which I believe is retaliatory. I am requesting immediate deletion of this account and written confirmation.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Has charged me interest on my credit card bill for Nothing I haven't used the credit card in more then 4 mounts they said that I was late on a bill and I payed it on time.

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 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XX/XX/year> Credit acceptance repossessed vehicle. Credit Acceptance filed a 1099-C on the account, in which I attached documentation. The debt was cancelled in XXXX according to Internal Revenue Service transcript. I am requesting to delete this account. I am asking for removal from 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 explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding a systemic flaw in credit reporting data pipeline mechanics that unfairly penalizes financially responsible consumers. Recently, Citibank/The Home Depot reduced my credit limit solely due to non-use. I do not owe a balance on this account.My complaint is not with the lender 's right to reduce the limit, but with the failure of the system to differentiate the reason for the reduction. Because banks do not transmit a specific 'inactivity ' reason code alongside limit drops, the automated credit scoring models automatically trigger a utilization penalty.The industry already has the trended data to fix this. The scoring models could easily review historical zero-balances to see that a drop was triggered by inactivity, not risk. Treating responsible, zero-balance behavior as an active risk metric creates a distorted reflection of consumer creditworthiness. I request that the CFPB push for data standardization requiring a distinct reporting classification for inactivity-based reductions versus risk-based reductions.

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 2026-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Its Bank of america they are political bytes vs the right. After more than 10 years with them having a credit limit of {$1500.00}, maybe being late XXXX time in 10 years or going over the credit limit maybe 2 or 3 times, because of the apr, they said they reduce my limit to {$500.00}. i paid the whole {$1500.00} off in XXXX or XXXX, then i go to use the card & it gets declined saying over my limit, without any notice i had to call them, & they told me they couldnt tell me why i have to wait until letter comes, My credit score is XXXX, if anything my limit should have went up. The letter is dates XX/XX/year>, So i write a letter in blue ink around XX/XX/XXXX, i did say thank god XXXX won, this bank is a leftest run bank with unfair practices vs the right.They still gave no good reason to reduce my credit limit after paying the whole XXXX off & having the limit for 10 years. after i wrote them a get a letter dated XX/XX/year> saying your request for a credit increase is not approve, i never ask for a credit increase in my letter. i ask why & what proof do they have to reduce my limit from XXXX over 10 years to XXXX. I called them back still no reason why. Also they sent me a new card ending in XXXX, the old card ended in 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 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
On XXXX XXXX i check my credit report an notice this company, Stellantis ( account # XXXX ) stating i owe XXXX dollars for an vehicle 2021 XXXX XXXX XXXX XXXX, I sent a letter asking them to send me a contract with my signature a letter of validation I received nothing.

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 2026-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint to request immediate assistance with inaccurate and harmful credit reporting by Credit Control Services regarding an alleged collection account connected to XXXX XXXX. This collection account is currently appearing on my credit report and is negatively affecting my ability to qualify for a home loan and purchase a house. I dispute this collection account in its entirety. I did not open an account with Credit Control Services, I did not do business with Credit Control Services, and I do not have a contractual relationship with this collection agency. If Credit Control Services claims it has authority to collect or report this alleged debt, I request that it provide complete validation and documentation proving its legal right to collect and report the account, including the original creditor records, itemized balance, dates of service, assignment or purchase agreement, and any signed agreement or contract bearing my authorization. This reporting is causing me real financial harm because mortgage lenders are reviewing my credit report as part of the home-buying process. The presence of this disputed collection account may affect my eligibility, interest rate, loan terms, and ability to secure housing. I need this matter investigated and resolved quickly. I am requesting that Credit Control Services and any credit reporting agencies involved conduct a full investigation into the accuracy, ownership, authorization, and reporting of this account. If Credit Control Services can not provide complete and verifiable documentation proving that this account is accurate, valid, legally collectible, and properly reported, I request that the account be deleted from all consumer credit reports immediately. I also request written confirmation of the investigation results, including whether the account has been verified, corrected, updated, or deleted. If the account is verified, please provide the specific documents relied upon to verify it and explain how Credit Control Services established that it had the legal authority to report this alleged debt under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This is the police repost copied and paste : Agency : XXXX XXXX XX/XX/year> XXXX Agency XXXX XXXX XXXX Summary Narratives Author : XXXX - XXXX, XXXX XXXX Created : XX/XX/year> XXXX Description : On XX/XX/year> at XXXX hours XXXX were dispatched to XXXX XXXX XXXX XXXX for a report of a Dispute. Dispatch advised the caller XXXX XXXX who works for XXXX XXXX was attempting to repossess a vehicle, when the owner of the vehicle got into the driver seat and attempted to drive away. XXXX arrived on scene and observed a XXXX XXXX XXXX bearing XXXX registration XXXX lifted up by a XXXX tow truck. The vehicles front two tires were off the blocks, but the vehicle was being held up by the underside of the front bumper and frame. R/O met with XXXX who stated he had the vehicle hooked up and began to lift it, when the owner now known as XXXX XXXX got into the driver seat and reversed off. XXXX stated he was working on video from his tow truck to prove she was not in the vehicle when he hooked it and began to lift. XXXX spoke with XXXX who stated she was in XXXX and Company and saw the tow truck pull up and back up towards her car. She stated she ran out and got into her vehicle before the tow truck had her vehicle hooked, making this an illegal tow. She stated she felt the tow truck hook once she was inside. R/Os looked at the vehicle, and it appeared as though the vehicle hooks were already around the front tires, and the vehicle was raised when the vehicle was put into reverse and driven backwards out of the hooks. XXXX was able to show XXXX the dash camera footage of the incident. In the video, the vehicle is clearly already hooked, and he begins to lift the vehicle up when XXXX enters the vehicle. R/O spoke with XXXX and advised her based off the evidence she needed to exit the vehicle and allow it to be towed. She agreed and left without further incident. XXXX uploaded the videos to evidence.com. I also have the video reflecting that I entered the vehicle while it was being lifted. You will seem run pass the vehicle. As I was running to the video I demanded them to stop and requested them to stop multiple times. At whiXXXX XXXX XXXX XXXX XXXX in and a female as well. They refused to call the police and I requested over 10 times for them to call the police because I knew that it was illegal. They refused to put my car down and even attempted to move the car while I was sitting in the car.

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 2026-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
With no communication from the company they had my car repoed in the middle of the night. I was also informed that they sold my contract to my vehicle to another company without my knowledge and that other company is the one that put my car out for repo. I had no knowledge of this happening and did not enter into an agreement with this company. They also sent my car to auction did not communicate with me how much it sold for and just put on my credit report what the supposed remaining balance was that they expected me to pay without any communication.

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 2026-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Email sent Formal Dispute of Collection Account XX/XX/year> To who it may concern, Hello. I am writing to provide supporting documentation regarding account number XXXX. Please find attached a link to a XXXX XXXX folder containing separate videos that serve as evidence of the walkthrough for the apartment in question. I have also included pictures of the key fobs and the gate key. Additionally, I am attaching the email received from the leasing agent regarding the notice to vacate the property. Please be advised that we are also sending a formal dispute letter via mail to further support our case. Thank you for your attention to this matter. Best regards, 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 2026-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was promised by a customer representative that i would receive my mobile paycheck the next day just to find out they are holding it for another 10 days with no actual reason to why and i need the money now or atleast some of it and they tell me theres nothing they can do about it even after XXXX of taking a picture of check and trying to dispute it right after! they also put a negative balance as i owe the money to them and put a extra hold after doing that!

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 2026-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act, I am requesting that ChexSystems conduct a reinvestigation of this information. If XXXX XXXX can not verify the accuracy and completeness of the reported information, I request that the entry be deleted from my ChexSystems file.

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