vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
* '' I am filing a brand new complaint against BMO Harris Bank due to newly discovered information iregarding a severe processing error on my previous dispute. That I just learned about during the response to my claim I originally disputed two transactions with the merchant 'stagvapes ' because the products arrived completely defective and unable to charge. However, I have just found out that BMO Harris incorrectly labeled and processed my claim under the wrong regulatory category as an 'Unauthorized/Fraud Claim. ' Because BMO Harris submitted their own incorrect code, the claim was automatically denied because I did authorize the purchase. I am not claiming fraud ; I am claiming Defective Merchandise / Not as Described. BMO Harris is refusing to correct their internal clerical error and is forcing me to be liable for a mistake their own employee made. The merchant has explicitly admitted in writing ( see attached chat logs ) that they knowingly mixed my orders with a 'higher defect rate batch ' and sent broken items. I am requesting that BMO Harris immediately correct their coding error, open a proper 'Defective Merchandise ' dispute, and review the merchant 's written admissions of fault.

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX, 2026, I deposited a check into my USAA account. Since I do not live near a physical branch, I had to make the deposit via mobile deposit. The check was from my account with XXXX XXXX XXXX XXXX. USAA put a hold on the check. On XXXX XXXX, 2026, the check cleared XXXX XXXX and was deducted from my account. I called USAA to see if they could lift the hold since the check had cleared and they told me no, that we had to wait until XXXX XXXX, 2026. I asked why, since the funds had been deducted from the XXXX XXXX Account and they said that there was a list of reasons. But they never gave me an actual reason. Again, the funds were deducted from XXXX XXXX and the funds are not available in USAA. So where is the money? It seems USAA may be committing fraud, using my money for their business reasons.

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 2026-06-15 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony bank XXXX XXXX credit card Changes were made to my account not by me on XXXX XXXX XXXX, changing my address, password, and email, locking me out of the account Call made to Synchrony on XX/XX/XXXX to alert them of the fraud, I was told that my XXXX XXXX card was cancelled and replaced with a XXXX, I told them that wasnt me and it was fraud, they told me they closed the account and started a fraud investigation, and a new card would be sent to me. XX/XX/XXXXXXXX I called again and asked why I havent received a new card an asked about my balance, they told me they never sent a new card, refused to send a new card and told me I didnt have a balance on any account stating again my account was closed XX/XX/XXXX I called a third time requesting information about the account and asking if it was closed and if I didnt have a balance why it was still on my credit report, they told me once again that my account was closed and theres no way for me to access my account and pay my balance, but confirmed a balance was present XX/XX/XXXX I was notified the account was closed XX/XX/XXXX I noticed the balance on my credit report had doubled and not only had they never closed my account, they also never reported the fraud or opened a fraud investigation and had been allowing the person to took control of my account to continue buying stuff on my account the entire time while I was locked out of even paying off my card

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 2026-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo for a violation of Regulation E ( 12 CFR 1005.6 ) and a failure to investigate unauthorized electronic fund transfers. THE FRAUD : A merchant identifying as " XXXX XXXX '' has been charging my debit card without my valid authorization. This merchant utilizes deceptive " dark patterns '' and " negative option billing '' to initiate recurring charges. According to CFPB Circular XXXX and Circular XXXX, transactions are classified as " unauthorized '' under the Electronic Fund Transfer Act when a consumer is misled into providing card information through deceptive marketing or fraudulent misrepresentation. THE BANK 'S REFUSAL : I contacted Wells Fargo on XX/XX/year> to report these unauthorized charges. I spoke with Manager XXXX ( XXXXXXXX XXXX XXXX ). I requested a full investigation and refund of all fraudulent charges. Manager XXXX refused to open a claim or investigate any transactions older than 120 days. He stated that bank policy and " card network rules '' ( Visa/XXXX ) prevent the bank from assisting with any charges beyond that 120-day window. THE VIOLATION : Internal bank policies and card network chargeback rules do NOT override my federal protections under Regulation E. Under 12 CFR 1005.6, my liability for unauthorized transfers is capped, and the bank has a legal duty to investigate. While there is a 60-day reporting window following a statement, the bank remains liable for unauthorized transfers that occurred prior to the 60th day after the statement was sent. By applying a blanket 120-day " system limit '' to a claim for unauthorized fraud, Wells Fargo is willfully ignoring its obligations under federal law and is denying me the protections guaranteed by the Electronic Fund Transfer Act. RESOLUTION REQUESTED : I am requesting that Wells Fargo immediately perform a full investigation into all charges from " XXXX XXXX '' and provide a full reimbursement for all unauthorized funds stolen from my account, regardless of the 120-day network rule.

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 2026-06-15 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: CO

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 2026-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I received a collection notice from Express Recovery Services attempting to collect an alleged medical debt of over {$11000.00} attributed to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. The notice was addressed to a name I have not used in over 16 years, having legally changed my name in 2010. I no longer have any ID or accounts that use my previous name. I have never visited either of these medical facilities, never received treatment from them, and have no financial relationship with either provider. This debt is not mine. I sent a formal debt validation request via certified mail as required under the FDCPA ( 15 U.S.C. 1692g ), also requesting that Express Recovery Services cease contact until the debt was validated. Their response included a statement from a hospital business manager certifying the former name, the last four digits of my Social Security Number, and my current address but failed to provide : ( 1 ) a copy of any original signed agreement, ( 2 ) an explanation of how my current address was linked to a XXXX former name, ( 3 ) proof the agency is licensed to collect debts in XXXX, or ( XXXX ) any documentation establishing I am the correct debtor. A certification statement does not constitute valid debt validation under the FDCPA. I have since contacted the hospital business manager directly by phone and in writing to dispute the accuracy of the information they certified and to request that they correct what was submitted to Express Recovery Services. I have sent a second notice to Express Recovery Services advising them that their response was insufficient and that my cease contact request remains in effect. I am filing this complaint to document Express Recovery Services ' failure to provide adequate debt validation and their continued pursuit of a debt that does not belong to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 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: CO

Complaint narrative:
I called Citibank customer service in XXXX, XXXX and XXXX of XXXX and spoke to a customer service rep each time at length about getting access to historical cc statements online or in the mail for all months XX/XX/XXXX - XX/XX/XXXX. They told me in call # 1 that I would be given access online within a few days and that I would also receive the statements in the mail. I received one month 's statement in the mail. In call # 2 they told me again that I would be given access digitally to the statements and clarified that all months of statements would be sent. I again received one statement. In call # 3 they stayed on the line and said they were processing all months of statements and that it would take 7-10 business days. I have not received anything. Today when I called I could not understand the rep at all, very difficult accent and extremely fast manner of speaking and I was given an attorney 's office number and after calling that number I was told they couldn't process statement requests. I was then told that I had to speak to my attorney at another number. Once the operator voice box came on I was informed the line was only for creditors and if I was a client I needed to call the phone number that was emailed and texted to me upon enrollment with no number or name provided. This is THE most ridiculous process I have EVER been involved in. My account has been settled and is being paid on monthly. I am simply trying to get historical statements for my accounting team for my business. XXXX XXXX and XXXX XXXX were amazing with these requests, they XXXX XXXX XXXX them to me. I am incredibly upset wasting my time and energy on this matter where I can not get access to my Citi Bank cc historical statements for XX/XX/XXXX through XX/XX/XXXX. Citibank is the absolute worst customer service I have ever dealt with and I will NEVER do business with them again. In addition I am going to post this on every platform I can in hopes of fixing this issue for many more people to come.

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 2026-06-15 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:
The purpose of this letter is to demand that you return {$180.00} to my account ( details below ) because the bill pay check named XXXX XXXX XXXX XXXX, dated XXXX, was never cashed by the recipient vendor. Heres background on this dispute : dispute ID : XXXX account number ending in : XXXX vendor name : XXXX XXXX automatic weekly transfer amount : {$180.00} automatic weekly transfer ordered on : XXXX funds withdrawn from my account on : XXXX check date was : XXXX the vendor destroyed the check on : XXXX the date I notified USAA of this issue ( dispute date ) : XXXX most recent date that USAA refused to return my money : XXXX Be advised that you were asked to send a check that was never deposited or cashed so the payment was never completed. These funds belong to me. This vendor destroying an uncashed check ( see image of destroyed check, attached ) does not constitute receipt of payment. This instrument was never negotiated, the payee received no value, and you are holding my funds against a transaction that will never complete. Ive tried multiple times by telephone to point out to you and your agents that you dont get to keep my money ( please refer to your responses, attached ). Because you refuse to refund what is rightfully mine I have copied your regulators in the hope that they can help me correct your abuse. You should provide this refund 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 monetary relief
Consumer complaint received 2026-06-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX, I was charged {$1200.00} by XXXX ( Booking # XXXX ) for a round-trip flight from XXXX to XXXX via XXXX XXXX XXXX The e-ticket issued by XXXX explicitly labeled both legs of the trip as REFUNDABLE. I contacted XXXX to request a departure city change. When they were unable to accommodate it, I requested a full refund. XXXX was unresponsive for over a week despite multiple follow-ups. When they finally responded on XX/XX/XXXX, they offered only {$150.00} approximately 12 % of the total charge citing airline policies. I contacted XXXX XXXX directly, and they confirmed this refund amount does not originate from their policies. I rejected XXXX offer in writing and requested a line-by-line breakdown of where the {$150.00} figure came from. They never provided one. On XX/XX/XXXX, XXXX sent a follow-up email stating they had raised the concern with the airlines regarding the refund and would provide an update. No further communication was ever received. This deliberate delay promising resolution while going silent left me without recourse through the merchant. All communication with XXXX was conducted through their internal chat system and email, as their phone support was completely unreachable. I opened a dispute with Barclays ( XXXX # XXXX ) for the full {$1200.00}. Barclays investigated and ultimately closed the dispute against me, stating they were unable to issue a permanent credit, with no adequate explanation for why a merchant-labeled refundable ticket warranted denial, and without addressing XXXX failure to provide documentation supporting their {$150.00} figure. I am requesting the CFPB investigate Barclays failure to properly resolve this billing dispute under the Fair Credit Billing Act, as well as XXXX deceptive practice of advertising tickets as refundable while refusing to honor that representation.

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 2026-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXXXXXX3/2026 An unauthorized person accessed my account and changed account information. They added themselves as the primary account holder, changed email address, and phone number. XX/XX/XXXXXXXX/26 We noticed charges on the account and payments we didn't authorize. XX/XX/XXXX We called and notified XXXX 's about the fraudulent charges payments. Since then, XXXX XXXX failed to secure the account, denied our fraud case, and continued to let the unauthorized user charge more transactions to the account. Their reason for denial was that a physical card was used for the transactions. They also let this unauthorized person increase the credit limit, charge more transactions to the account, and now they've reported the card as delinquent to the credit bureau. We've had multiple hours long phone calls with the XXXX XXXX fraud department but they can't seem to help us resolve this issue. Every time we've tried to talk to a managers, we run into road blocks. They have also refused to communicate with us in writing and have refused to close this 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 monetary relief
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I reached out to the company on several occasions first off via email to see if they sent me out a spam message. I received the reply basically letting me know that it was not a spam message, but I thought the matter was getting taken care of however it did not today. I discovered that there was two letters that were being mailed to my home from Truist Bank. Ive never heard of this bank. Ive never even opened up an account with this bank when I called this morning at XXXX XXXX I was told that there were two accounts that were open up in my name that I needed to speak with the fraud department. I proceeded to call back around I believe XXXX oclock to speak with the fraud department the gentleman on the phone who tried to help me at first was no help so I asked him to connect me with a supervisor the supervisor did not want to help me. She basically stated because I did not have the five digits last digits of the account number that she was unable to give me any information about the account even though Ive already provided her with my Social Security number, my phone number my date of birth and my email address and the account is put in my name and I also informed her about the call being recorded, and that I was going to the police station with this information and she still basically told me so there was nothing that could be done because I did not have the last five digits of the account number. But Im telling you I did not set up an account so if Im telling you, I did not set up an account and you already verified that there are two accounts in my name and Im asking you how this was done. I find it kind of crazy that youre not giving me that information and all I want is the application that was filled out when it was filled out where it came in from what city state that came in from. And what verification process did they go through to even try to verify that it was me which it was not me I have check in savings accounts with my preferred banks.

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 2026-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank offered me a credit limit of {$5000.00} to make purchases at XXXX XXXX. I was in good standings with my monthly payments. All of a sudden, they reduced my credit from {$5000.00} to {$200.00}. I contacted them about it, and they told me that is how they do their business. This is false advertising and is misleading to consumers.

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 2026-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received a letter from the supposed law firm of Linebarger Goggan Blair & Sampson LLP stating ticket ( XXXX parking ) citation # XXXX under plate no XXXX XXXXXXXX for a XXXX XXXXXXXX on XX/XX/year> got a ticket. They mailed me letter saying I owed {$59.00} and I have through them to pay it and not the clerk of XXXX XXXX XXXX. XXXX told them on the phone I was never in XXXXXXXX XXXX I never owned a XXXX XXXXXXXX. They now are sending me threatening letters ; have home address ; and I mistakenly gave them me birth date. When i called clerk XXXX XXXX they have no record of this citation. I know this is a scam. Please help.

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 2026-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is 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 explanation