vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the validity, accuracy, and completeness of the account you are reporting under my name, allegedly originating from XXXX XXXX. This letter serves as a formal notice that I do not recognize this debt in the amount of {$790.00}, nor do I acknowledge any obligation to pay it. The information you are reporting is inaccurate, misleading, and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : The balance has nearly doubled from the original amount of {$400.00} without proper explanation or validation. No documentation has been provided proving I am legally obligated for this debt. There is no clear record of the date of first delinquency, which is required for accurate reporting. I have not received proper validation of this debt as required by federal law. Under my rights pursuant to the FCRA and FDCPA, I demand the following : Full validation of the alleged debt, including : A copy of the original contract or agreement bearing my signature A complete payment history Documentation showing how the balance increased from {$400.00} to {$790.00} Proof that your agency is authorized to collect on this account Verification of reporting accuracy with all credit bureaus to which this account has been furnished Immediate deletion of this account from my credit report if you are unable to provide proper validation within the legally required timeframe Additionally, you are hereby instructed to cease all collection activities until this matter has been fully investigated and validated. Any continued reporting of unverified or inaccurate information may constitute willful noncompliance with federal law. Be advised that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action. This is not a refusal to pay, but a notice that your claim is disputed and must be validated. I expect a prompt response within XXXX days of receipt of this letter.

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 2026-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Lennar Financial Services, LLC
State: SC

Complaint narrative:
I reached out Lenar mortgage on behalf of my XXXX money and XXXX weeks later my money wasn't returned. I told them im in the military and is going to be XXXX over seas .They keep giving me a run around. I need my funds the same way I gave it to them. 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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
On XX/XX/year>2026, I opened a checking account with Truist Bank. Later that same day, I called to set up my online banking access and was unexpectedly informed that my newly opened account was being closed. I was not given any advance notice or a clear explanation for the decision. I opened the account in good faith and expected it to remain active. When I asked why it was being closed, I was not provided with a meaningful explanation or an opportunity to address any concerns. The lack of transparency has caused unnecessary inconvenience and frustration. A fair resolution would be for Truist Bank to provide a written explanation for why my account was closed, disclose the specific reason or policy relied upon for the closure, and confirm that the closure will not negatively affect my banking history or consumer reports if there was no wrongdoing on my part.

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 2026-06-17 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: NY

Complaint narrative:
On XX/XX/XXXX, I submitted a written billing-error notice to Citibank , N.A . ( Best Buy XXXX XXXX ) under the Fair Credit Billing Act, 15 U.S.C. 1666, and 12 C.F.R. 1026.13, disputing a {$60.00} charge from Certified Guaranty Company / Certified Trading Card ( transaction date XX/XX/XXXX ; Citi Case ID XXXX ). The dispute rests on ( a ) nonperformance XXXX declined to grade the submitted card and returned it ungraded and ( b ) failure to reflect credit XXXX 's own final invoice # XXXX ( XX/XX/XXXX ) shows a credit balance of - {$25.00}, conceding that the grading fees were not earned.Citi acknowledged the dispute on XX/XX/XXXX and investigated it for approximately eight weeks, twice requesting additional documentation ( XX/XX/XXXX and XX/XX/XXXX ), which I provided in full on XX/XX/XXXX. On XX/XX/XXXX, Citi issued a denial on the single ground that it was " not contacted in a timely manner '' without addressing any of the substantive evidence, including XXXX 's own admission of an owed credit, and without explaining why the 60-day period would not run from the statement on which XXXX XXXX credit should have appeared ( Comment 13 ( b ) ( 1 ) -2 of the Official Staff Interpretations ) .On XX/XX/XXXX, I submitted a written appeal demanding ( 1 ) the written explanation required by 12 C.F.R. 1026.13 ( f ) ; ( 2 ) copies of evidence relied upon ; and ( 3 ) within 15 days, confirmation as to whether any adverse credit furnishing concerning the disputed amount has occurred since XX/XX/XXXX, and the current tradeline status. I also asserted XXXX 's nonperformance as a claim and defense under 15 U.S.C. 1666i.On XX/XX/XXXX, Citi issued a one-page form letter stating only that it was " unable to identify or determine that a billing error occurred. '' The letter does not address any of the documentary record ( including XXXX 's invoice conceding a credit is owed ), does not satisfy the written-explanation requirement of 1026.13 ( f ), does not identify the evidence relied upon, does not respond to the credit-reporting confirmation demand, and repeats the threat to report the account as past due in continuing violation of 12 C.F.R. 1026.13 ( d ) ( 2 ) and 15 U.S.C. 1666a while the billing dispute remains unresolved.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a refund from XXXX on XX/XX/XXXX for XXXX and Citibank is still holding it and wont release it into my account! Its illegal and they do this on purpose because they make money off of the interest that they get paid when they hold peoples money and I am sick and tired of it! Its illegal and I want to see if XXXX to file a clash action lawsuit against Citibank because they definitely are doing this to most customers and theyre making billions of dollars in the year off their illegal activities holding customers funds! Something has to be done!

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 2026-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance Corporation. On or about XX/XX/year>, I received a collection notice claiming that I owe approximately {$15000.00} to Credit Acceptance Corporation. I dispute this debt in its entirety. I have never financed a vehicle through Credit Acceptance Corporation and was never approved for financing through Credit Acceptance. I have no knowledge of this account and do not believe I am legally responsible for the alleged debt. I am requesting that Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX XXXX XXXX provide : XXXX. A copy of the original financing contract bearing my signature. XXXX. The original credit application associated with the account. XXXX. The vehicle information, including XXXX, make, model, and purchase date. XXXX. The complete payment history. XXXX. Documentation showing how this account was linked to my identity. XXXX. Any documents used to verify ownership of the alleged debt. I am concerned that this matter may involve mistaken identity, inaccurate records, mixed-file reporting, or identity theft. I am also requesting an explanation of how my current address was obtained and associated with this alleged account. I request that all collection activity cease until the debt has been properly validated and investigated. If the account can not be verified as belonging to me, I request that it be permanently removed from any records associated with my name and that all collection efforts stop immediately. Thank you for your assistance in investigating 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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
On XX/XX/year>, I sent a total of {$2000.00} through XXXX using my USAA accounts. Because XXXX XXXX transfer limits only allowed {$1000.00} per transaction, I completed the payment using XXXX separate transfers from XXXX different accounts. The payment was intended for a specific recipient. However, the phone number I used had been recycled and reassigned. The intended recipient had never enrolled in XXXX and did not have a XXXX account associated with that phone number. As a result, XXXX 's network and master directory routed the funds to a bank account associated with a previous owner of the recycled phone number rather than to my intended recipient. My intended recipient never received any portion of the {$2000.00} payment. I promptly notified USAA and filed disputes regarding both transactions. The associated USAA dispute/case numbers are : Case ID # XXXX Case ID # XXXX Additional supporting documentation can be provided upon request. Since XX/XX/year>, I have spent nearly XXXX months attempting to resolve this matter through USAA. I have filed multiple disputes and repeatedly requested assistance. Despite these efforts, USAA has failed to provide a satisfactory resolution, trace the funds to their final destination, initiate an interbank recovery process, or coordinate with XXXX to recover the funds from the receiving financial institution. I have requested information regarding : The bank account that received the funds. The status and findings of USAA 's investigation. The steps taken to recover the funds. Whether USAA has contacted XXXX and the receiving financial institution regarding recovery. To date, I have not received a satisfactory explanation or resolution. I am requesting that USAA : XXXX. Conduct a full and thorough investigation of both XXXX transactions. XXXX. Coordinate directly with XXXX and the receiving financial institution to trace and recover the funds. XXXX. Initiate any available interbank recovery or clawback procedures. XXXX. Provide a detailed written explanation of all investigative findings. XXXX. Issue a provisional credit or reimburse the {$2000.00} while the investigation is ongoing, if appropriate under applicable consumer protection requirements. This matter has remained unresolved for an extended period despite my repeated efforts to work directly with USAA. I am seeking CFPB assistance to ensure a complete investigation is conducted and that all reasonable recovery efforts are pursued so that my funds can be recovered or reimbursed. If USAA has denied my dispute, I request a detailed written explanation identifying the factual and legal basis for that decision, including the evidence relied upon and the recovery efforts undertaken.

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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I am writing to formally dispute the validity, accuracy, and completeness of the account you are reporting under my name, allegedly originating from XXXX XXXX. This letter serves as a formal notice that I do not recognize this debt in the amount of {$790.00}, nor do I acknowledge any obligation to pay it. The information you are reporting is inaccurate, misleading, and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : The balance has nearly doubled from the original amount of {$400.00} without proper explanation or validation. No documentation has been provided proving I am legally obligated for this debt. There is no clear record of the date of first delinquency, which is required for accurate reporting. I have not received proper validation of this debt as required by federal law. Under my rights pursuant to the FCRA and FDCPA, I demand the following : Full validation of the alleged debt, including : A copy of the original contract or agreement bearing my signature A complete payment history Documentation showing how the balance increased from {$400.00} to {$790.00} Proof that your agency is authorized to collect on this account Verification of reporting accuracy with all credit bureaus to which this account has been furnished Immediate deletion of this account from my credit report if you are unable to provide proper validation within the legally required timeframe Additionally, you are hereby instructed to cease all collection activities until this matter has been fully investigated and validated. Any continued reporting of unverified or inaccurate information may constitute willful noncompliance with federal law. Be advised that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action. This is not a refusal to pay, but a notice that your claim is disputed and must be validated. I expect a prompt response within XXXX days of receipt of this letter.

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 2026-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am submitting this complaint regarding a charge-off account reported by USAA FSB in the amount of approximately {$6900.00}. This amount is not accurate as reported on my credit file. I previously disputed this account directly with the company and requested full validation and documentation, including verification of the balance, payment history, and reporting accuracy. I did not receive sufficient documentation or validation to support the information being reported. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure the accuracy and completeness of information reported to consumer reporting agencies and to investigate disputes when accuracy is questioned. Despite my request for validation, the account continues to be reported as a charge-off/collection and is negatively impacting my credit reports. I am requesting a full investigation and validation of this account. If the company can not fully verify that the balance, status, and reporting information are accurate and complete, I am requesting that the account be corrected or removed from all credit reporting agencies.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Complaint Against U.S. Bank Regarding Withheld Funds and Failure to Resolve Issue I am filing this complaint against U.S. Bank because the bank closed my account and has failed to return my funds despite nearly a year of repeated attempts on my part to resolve the matter. In XX/XX/year> U.S. Bank informed me that my account had been closed and that the remaining balance in my account would be mailed to me in the form of a cashiers check. U.S. Bank later stated that the cashiers check had been mailed to me in XXXX. However, I never received the check. After notifying U.S. Bank that I did not receive the check, I was informed that the bank would send me a letter regarding the process required to issue a replacement cashiers check. I was told I needed to respond or complete the process outlined in that letter before a replacement check could be sent. I never received that letter. Since that time, I have contacted U.S. Bank numerous times by phone over the course of several months attempting to resolve this issue and recover my funds. During these calls, representatives repeatedly told me that they were sending emails to another department responsible for handling the matter and that I should expect correspondence or a replacement check to be sent to me. Despite being given these assurances on multiple occasions, I have never received any follow-up communication, I have not received the original check, I have not received any replacement check, and no one has provided me with an actual resolution. It has now been almost XXXX year, and despite my repeated efforts to work directly with U.S. Bank, I still have not received my funds. I believe U.S. Bank has failed to properly handle my account closure, failed to ensure delivery of funds owed to me, failed to provide promised follow-up documentation, and failed to take reasonable action after I repeatedly informed them that I never received the cashiers check they claim was sent. I have made every effort to resolve this matter directly with U.S. Bank, but the bank continues to give me the same response that they are sending an email to the department and that I should wait for something to arrive, yet nothing has ever been sent or resolved. I am requesting that U.S. Bank immediately investigate this matter, cancel the original cashiers check if it remains outstanding, and issue payment for the funds that belong to me without any further delay. I am seeking assistance because U.S. Bank has had nearly a year to correct this issue and has repeatedly failed to do so.

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 2026-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : URGENT : Forbearance Application Mishandling Immediate Escalation Required ( Loan # XXXX ) Dear Truist Mortgage Assistance Team, I am requesting an immediate escalation of my mortgage forbearance application for Loan # XXXX. My application has been in process since XX/XX/XXXX, and despite repeated calls, submissions, and assurances, the process has been mishandled at every stage. On Friday, XX/XX/XXXX, I was told that I needed to complete a co-borrower authorization form so that my husband 's income and credit could be included in the application. I was assured this form would be emailed to me so I could complete it online. It never arrived. When I called back, I found that no one had any record of this requirement or the prior conversations. This has now been ongoing for over two months, and each time I call, I am treated as if I am calling for the first time. Representatives are unaware of previous notes, provide contradictory information, and can not explain the status of my application. This is causing significant and unnecessary hardship. We have never missed a mortgage payment, and we are requesting temporary assistance due to documented financial strain. The lack of followthrough and internal communication on Truists side is preventing us from completing the process. I am requesting the following immediately : Assignment of a single case manager who will take ownership of this file Immediate issuance of the required coborrower authorization form Written confirmation of all outstanding items needed to complete the application A clear and prompt timeline for resolution Please treat this as an urgent escalation. I expect written confirmation and next steps without further delay. Sincerely, XXXX XXXX # : XXXX Property : XXXX XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation