vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am filing against XXXX, XXXX XXXX, and Macys/CBNA for inaccurate reporting on my credit reports dated XX/XX/year> ( pages ~11-12 ). Specific inaccuracies : Open accounts with ongoing disputes noted ( Account information disputed by consumer, Consumer disputes this account ). Inaccurate 30-day late payments and other details that have not been corrected despite my previous disputes. The reported information remains wrong and unverifiable. Attached : Report excerpts and evidence. Requested Resolution : Immediate reinvestigation and removal/correction of all inaccurate late payments and account 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
Consumer complaint received 2026-06-12 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: M&T BANK CORPORATION
State: OK

Complaint narrative:
Payoff amount was sent to M & T Bank and received on XX/XX/year>. They have not processed payoff or communicated back to me on where they are in the process or whats going on with the loan payoff.

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 2026-06-12 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX opened XX/XX/year> for {$300.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
SENTRY RECOVERY AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX You have 100 % left to pay on this collection. Balance {$8500.00} Highest Balance {$7000.00} XXXX. XXXX, XXXX ( 11 mos )

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 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: TX

Complaint narrative:
" A debt buyer, through its attorney, filed a credit-card debt-collection lawsuit against me on XX/XX/XXXX, claiming a balance of {$6900.00} on an alleged XXXX account originated by XXXX XXXX XXXX XXXX I was personally served on XX/XX/XXXX. The collector never mailed a written validation notice within five days of service, and to this day has provided none. On XX/XX/XXXX ( email ) and XX/XX/XXXX ( certified mail ), I served a written validation demand asking it to validate the debt and produce the account statements, the original agreement, and the full chain of title. It never responded ; the 30-day period under 15 U.S.C. 1692g ( b ) expires XX/XX/XXXX. The court petition claims a {$6900.00} balance but attaches a charge-off statement showing {$0.00} in every column ( purchases, advances, transfers, credits, interest, fees ) and a 0 % rate no document shows how the amount was incurred. The petition also gives three contradictory chain-of-title dates : a Forward Flow Agreement dated XX/XX/XXXX, a Bill of Sale dated XX/XX/XXXX, and an alleged assignment dated XX/XX/XXXX, none reconciled, with a generic redacted Bill of Sale that does not identify my account. The alleged debt is also time-barred : the last payment was XX/XX/XXXX, and the four-year limitations period expired before suit was filed. These acts violate the FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) and the Texas Debt Collection Act ( Tex. Fin. Code 392.202, 392.304 ). I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran. '' XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX consumerfinance.gov ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXXXXXX 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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
I applied for a loan for {$700.00} through my quick wallet on XXXX of XXXX. I completed the application process and was told my application was pending. The next day or so, {$300.00} was deposited into my account. I did not receive or sign any paperwork for this said amount borrowed. No rates, dates of transactions, or total amount was given to me. I have been paying anywhere between $ XXXX {$100.00} bi weekly per paycheck since XX/XX/XXXX until XX/XX/XXXX totaling {$920.00}. Not to mention my quick wallet took these payments from my account I did not decide how much was taken. If the full payment of {$290.00} was due at a certain date, they had access to take that amount by the correct daye, but didn't so they could over charge my account. When I called my quick wallet to complain they finally sent me a document about my loan. A document that I never signed because I had never seen it until the emailed to me {$920.00} later. They tried saying that only {$10.00} of my payments were being applied to the {$300.00} plus interest totaling the amount i would iwe being {$390.00}. Now after the fact of having my account information they are trying to charge me 995 % interest! Saying that I aggreed to it when i never was provided the document in the first place. THAT IS EXPLOITATION and even though I allowed access to my account to pay back the {$300.00} borrowed. The amount they have taken was not approved by me at all. Only {$390.00} was approved to be taken from my bank account not a XXXX more. I have researched this company and they dont even have a physical address, bank or credit union. Its a XXXX XXXX hiding behind a PO box and this should be illegal to take advantage of hard working citizens. Over {$530.00} was taken from my bank and I demand a refund before I contact the attorney General of Tennessee.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau Director, Corporate Governance Boards, and State Enforcement Investigators : This is an emergency supplemental escalation establishing a secondary line of regulatory investigation regarding Wells Fargo Bank , N.A . Following my initial formal disputes regarding the mishandling and internal redirection of Case # XXXX, the Wells Fargo XXXX XXXX XXXX XXXX ( XXXX ) issued an official corporate written acknowledgment from thXXXX XXXX XXXX on XX/XX/year>, establishing a brand new tracking identity : Executive Case # XXXX. While the institution 's executive branch claims it is looking into the matter and requested a 10-business-day research window, this new executive tracking file serves as definitive proof that my allegations of internal gatekeeping, unauthorized routing " handshakes '' with secondary platforms, and dashboard manipulation are severe enough to require top-tier corporate risk oversight. I am filing this complaint to ensure that Executive CasXXXX # XXXX is permanently locked and cross-referenced on the active CFPB dashboard. I strictly reject any attempts by Wells Fargo to use this new internal 10-day timeline to stall past or dissolve the original hard corporate resolution deadline of XX/XX/year>, which was formally locked in by Representative XXXX XXXX. ( ext. XXXX ). I demand that the CFPB monitor this executive file to ensure full disclosure of the automated clearing house ( ACH ) handshake logs and to prevent lower-level escalations staff from altering case data or burying the audit trails under a single compromised roof.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA has failed to send me my funds since XX/XX/year> They have attempted to mail my remaining balance via a teller 's check over 8 separate times. Every single check has been allegedly returned to them as " undeliverable '' due to automated system glitches on their end, despite me providing multiple verified physical addresses where I successfully receive other mail. I have explicitly requested that they send the funds via a Direct Wire Transfer or via XXXX Overnight delivery to bypass the broken USPS mail loop. USAA refuses to provide an alternative payout method, effectively requested that they send the funds via a Direct Wire Transfer or via XXXX Overnight delivery to bypass the broken USPS mail loop. USAA refuses to provide an alternative payout method, effectively withholding my funds for 10 months for a closed account. I am requesting that USAA immediately wire my funds or overnight a check via private courier. SR 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 2026-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im requesting that my address be updated. I am requesting that my personal information be fully updated and corrected. The credit bureau is still reporting old, inaccurate, and unauthorized addresses on my file. Under the Fair Credit Reporting Act ( FCRA ) 1681c-1 ( a ) & ( b ) and 1681g ( a ) ( 1 ), I am requesting that all incorrect or unverified addresses be blocked, removed, and no longer reported.

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 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CashRepublic Holdings, Inc.
State: OH

Complaint narrative:
Omni finacial instead of complying with CFPB ruling in the case of XXXX sold my loan from XXXX with thier illegal practices to a third party collection agency and added the penalty that they were forced to pay to the amount owed.

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 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
I am filing a complaint against Barclays regarding its refusal to promptly apply a payment that was made through XXXX XXXX, despite the payment having been successfully completed and the funds already collected. On or about XX/XX/year>, I made a payment to my Barclays account through XXXX XXXX after previously being advised by Barclays customer service that XXXX XXXX was one of the fastest methods available for making a payment to my account. Based on that representation, I chose to use XXXX XXXX instead of other available payment methods. The payment was successfully processed through XXXX XXXX, and the funds were immediately withdrawn from my debit card. The XXXX XXXX Money Transfer Control Number ( MTCN ) is XXXX. After making the payment, I contacted Barclays and was informed that the payment may not be credited to my account until XX/XX/year>, despite the fact that the funds have already been collected and despite Barclays recommending this payment method as a faster option. I have uploaded supporting documentation through Barclays ' document upload portal, including proof of the XXXX XXXX transaction and evidence that the funds were successfully withdrawn from my debit card account. While I understand that payment holds may sometimes be necessary when payments are initiated through a personal checking account using ACH, that is not the situation here. This payment was made through XXXX XXXX using a debit card, the funds have already been collected, and Barclays has documentation confirming the transaction. They stated they could not contact my bank or XXXX XXXX to verify the funds which doesn't make any sense. I am concerned that Barclays is unreasonably delaying the application of my payment despite having received confirmation of the transaction. I have attached the western union receipt with tracking number that shows the transaction is complete. I have also attached a screenshot of the money debited from 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 2026-06-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I am filing a complaint against Ally Financial regarding a leased vehicle I maintained for XXXX years. At the start of my lease, I purchased Ally XXXX XXXX specifically to cover excess wear and tear charges at lease-end. After returning my vehicle, I was billed for wear and tear that should be covered under this protection plan. Despite multiple attempts to resolve the issue, I have been told the charges are not covered, without any clear explanation or supporting documentation. There is no accessible escalation or resolution department. I have been unable to speak with anyone authorized to properly review or resolve my case. Instead, I am being passed between departments without accountability or assistance. Meanwhile, I continue to receive repeated payment demands, which feels harassing given that I purchased protection to avoid these exact charges. The balance being demanded is significant, and I do not have the financial ability to pay for something that should be covered under my agreement. This situation has caused significant stress, wasted time, and frustration. I am requesting that Ally Financial conduct a thorough review of my XXXX XXXX coverage, remove any applicable charges, and provide clear documentation explaining any denial. I also request access to a proper resolution channel. I am seeking a fair and timely resolution.

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 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 U.S Code 1618d - Disclosure 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I opened a Spending Account per Ally Bank solicitation. The terms of the offer are : 1. add money within 30 days 2. set up qualified direct deposits of at least {$1000.00} a month for 2 consecutive months. The first such payment is required within 60 days of account opening. 3. Get your {$300.00} bonus. Make sure you account is open and in good standing in order to receive it. I fulfilled all conditions but Ally refuses to pay the bonus nor even to review my correspondence and answer my queries. Account opened : XX/XX/XXXX First payroll deposit : XX/XX/XXXX ( from my workplace ) {$1000.00} Second payroll deposit : XX/XX/XXXX ( from Social Security ) {$2200.00} Third payroll deposit : XX/XX/XXXX ( from Social Security ) {$2200.00} Fourth payroll deposit : XX/XX/XXXX ( from Social Security ) {$2200.00} Fifth payroll deposit : XX/XX/XXXX ( from Social Security ) {$2200.00} Sixth payroll deposit : XX/XX/XXXX ( from Social Security ) {$2200.00} So I more than exceeded their qualifications. Yet they repeatedly tell me they are unable to honor their offer. This is because their account staff previously looked into my claim and denied it. So they won't look again, and they just send me boiler-plate responses. Ally Bank, please honor your offer. I more than qualified, exceeding the number of deposits required and all were made within the requisite timeframe. I see that another CFPB complaint for another customer reported the same issue and you resolved it by paying the customer {$300.00}. So please show me, a retired person, the same decency.

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