vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX. An account listed under [ Monterrey Financial, XXXX ] is being reported as potentially negative, despite the account being properly closed on [ XX/XX/year> ] and [ cancelled contract within the XXXX hours specified in the contract ]. I previously disputed this directly with XXXX, but the issue was not corrected. This information is inaccurate and is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. I am requesting that XXXX conduct a proper investigation and : - Correct the account status to reflect accurate information, OR - Remove the account if it can not be verified I have attached supporting documentation showing the correct account status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
Steel river is refusing to validate a debt they keep sending me to a secure online portal

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 2026-06-25 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: MD

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 explanation
Consumer complaint received 2026-06-25 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: U.S. BANCORP
State: IL

Complaint narrative:
I have been trying to get assistance with my mortgage for over XXXX. They keep asking for the same documents when I call they then have. Have several declines with no explanation. Got a letter stating they cancel the assistance application in error so I had to start over to be declined again. Recently denied again offered a short sale with no explanation for why declined for other programs also last month received a letter stating they made an error credited my acct due to a loss mitigation application to get denied again. I have re applied several times for them no to assist me at all.

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 2026-06-25 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: NC

Complaint narrative:
I have called the customer service # several times, I have even mailed them a letter. I has already been 2 months and nothing has been fixed. I can view my Virtual Account Numbers, but I can not deactivate any of them. When I attempt to deactivate a virtual number, the system returns 'We 're experiencing a technical issue. Try again later. ' Because the numbers can not be deactivated, I have reached the maximum number of active Virtual Account Numbers and can not create new ones

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 2026-06-25 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: CA

Complaint narrative:
Travel to XXXX and go to XXXX XXXX on XX/XX/year> for a facial skin care treatment. I try to pay with Citibank card and was told that transaction failed so paid with other options. I was charge {$1900.00} from merchant name XXXX XXXX XXXX XXXX. I do not know of this company, I did not contract or authorized this charge. I submit paid reciept to Citibank but Citibank rep said I need to provide receipt/ invoice in the charge amount of {$1900.00} which I do not have. Citibank said they did not contact merchant and they close my dispute 3 time without even contacting merchant. This merchant also charge {$3800.00} on same day which Citibank declined. Please see attached documents. Regards

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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX I had to overdraft my account due to personal reasons and I made a XXXX order at XXXX and it came out in several different transactions but they were all on the same days so instead of those transactions causing overdrafts that day they decided to hold the transactions and claim that XXXX took them out later resulting in 3 days worth of overdrafts. Their excuse was the transactions are charged based on when finalized and not the transaction date which they actually changed all three dates from the XXXX tothe XXXX, XXXX and the XXXX when they were all made the same exact day and time My card was locked in XXXX and overdrafted and they allowed XXXX {$1.00} transactions to come out a day after the transactions were actually made and claimed it was because they allow or can't stop fees from coming out if I give permission. Over the 5 months they have done this with at least XXXX different transactions. Every time they come up with a different reason that is not valid according to their own documentation. They refuse to fix it and claim they gave me a free one back even though I'm not asking for free money I'm asking for them to rectify the obviously bad banking practices they are continuously doing.

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 2026-06-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have had this visa gift card since early XXXX where I used it to make an online purchase. Since then, I have had {$31.00} left on the card, which I can see when I enter the card information on the website, but I can't use the card 's balance in any physical or online store. It is a VISA prepaid gift card, the website listed for customer service being www.prepaidgiftbalance.com, the phone number being XXXX. Whenever I call or use the site, there is never an option for contacting a representative to solve the issue, and the money should be accessible as the card doesn't expire until XXXX. I called XX/XX/XXXX, as well as repeatedly over the years. On XX/XX/XXXX I also updated my old address on the card in the hopes of it working but to no avail. I had bought the card in a XXXX back 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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

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

Company public response: Company 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 2026-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
sent phone back to XXXX, got a settled in full XXXX balance letter from XXXX, sent it to transunion and they didnt remove the balance.

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 2026-06-25 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: NJ

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 explanation
Consumer complaint received 2026-06-25 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: AL

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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX was hacked and {$4900.00} was debited into XXXX XXXX via debit card XXXX Bank of America ). I then received notification that my checking account was below {$100.00}. The next morning I reported fraud to both XXXX XXXX and Bank of America and requested a new debit card and locked both accounts with XXXX XXXX and Bank of America. Both claims were initially denied due to lack of evidence, I reopened both cases and submitted all evidence to support that I did not approve those transactions. I have not received a response from XXXX XXXX but I did receive another denial of my fraud claim from Bank of America on XX/XX/XXXX. During the investigation, I called on several occasions to get an updated status and barely got any updates from them. When the fraud initially happened my checking account was emptied. However, I did receive a loan and money from family members due to the incident. Also, whoever hack my account attempted to hack my XXXX as well. I have proof that it was someone in Florida. Also, I requested a new debit card and a new phone as well. I called Bank of America to get more information about why my claim is still being denied and all I was told was " your account didn't reach the negatives when the fraud happened ''. I have contacted a lawyer in regards to this and will be reporting this to the news. I feel Bank of America is not protecting me or my money with them. They are taking this as a joke and it a very frustrating. I plan on requesting a reinvestigation of my fraud claim as this entire situation has placed me in financial hardship over the past XXXX months.

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 2026-06-25 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: CA

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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance repossess the vehicle that was also on a cosigner I was living in XXXX XXXX at the time the car was registered in XXXX XXXX The loan was originally taken out in New York state they repossessed the vehicle in Virginia at my residence and also my place of employment the vehicle was registered to they never sent me any paperwork I called them and they said that they sent it to the cosigner and that was acceptable I never received anything that one drop of paperwork from anything I don't know what they sold it for I don't know anything they never let me get my personal possessions out of there I know it's been a while but I've been trying to argue it because even on the credit report nothing looks right and I get 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 2026-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: OK

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

Company public response: Company 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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
This debt for {$150.00} IC Systems Collections is not valid. Not mine. 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 explanation
Consumer complaint received 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I wanted to inform you that there were claims that were filed due to me not authorize in they put my account on hold due to the claims now they decide to close my account without informing me ahead of time now XXXX cant receive my direct deposit from my job which put me back behind all my bills due to a family member stealing my car and due to me, not receiving my funds. and I feel like they should notify you early if theyre gon na close your account because people still have money going to their account and they want to be able to access their money.

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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: KS

Complaint narrative:
I received a letter in the mail from Coast Professional , Inc a debt collector. This was for a SBA loan type XXXX. I contacted Coast Professional and stated I do not own a business or have ever owned a business. They said this was from XXXX during Covid. I was told to file a report with the FTC and IDTheft.

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 2026-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2026-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting an expedited complaint against Citibank , N.A . for explicit violations of Federal Regulation E ( 12 CFR 1005 ) error resolution requirements and illegal timeline extensions. On XXXX XXXX, my personal consumer checking account ( Account XXXX ending in XXXX ) was victimized by what I believe was a malicious, malware-driven account takeover. Cybercriminals deployed malware onto my device, illicitly captured my online banking credentials, bypassed Citibank 's fraud protocols, and executed an unauthorized wire transfer totaling exactly {$30000.00} plus fees. I did not initiate, authorize, or benefit from these transfers. I discovered the fraud and notified Citibanks Fraud Department within XXXX ( XXXX ) hours of the transactions occurring. This swift notification satisfies the strict two-business-day reporting requirement under 12 CFR 1005.6 ( b ) ( 1 ), capping my legal consumer liability at {$0.00} to a maximum of {$50.00}. Despite my immediate reporting and the clear consumer nature of the account, Citibank customer service representatives are attempting to bypass federal consumer protections. Citibank agents are explicitly claiming that because these transactions were executed via wire transfers, they are exempt from Regulation XXXX and that the bank will take " XXXX days '' to investigate before issuing a resolution or refund. This position is completely unlawful. Per the landmark federal ruling in People of the State of New York v. Citibank , N.A . ( S.D.N.Y. ), the court affirmed that unauthorized wire transfers initiated through a consumer online banking platform are strictly governed by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, not UCC Article 4A. Under 12 CFR 1005.11 ( c ), Citibank has exactly ten ( XXXX ) business days from the date of notification to investigate this error. If they require up to XXXX days to investigate, they are legally mandated to provisionally credit my account for the full disputed amount of {$300000.00} plus fees by the tenth business day. Citibanks internal " XXXX '' policy is a direct violation of federal 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 monetary relief
Consumer complaint received 2026-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank doesnt let me make payments. I was never late on any payment, in fact I have been clearing my loan sooner, which is within the loan contract. But now when I want to make additional payments, the bank system doesnt let me. I contacted them and they said I can not use a account number to make a payment. When I asked why? They said its their policy. I told them no such a thing is in the loan contract I signed with you, and your local policies do not apply when I was not aware of them. The Bank finance representative sent the issue higher and they opened a ticket which was suppose to send me an explanation within 10 business. Its been much more than 10 business day since then, however I still cant make a payment and bank hasnt given me any responses. I am being charged with interest because they dont accept payments.

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