vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo decided to abruptly close my bank account on XX/XX/XXXX. They gave me no time to have my direct deposit switched. The letter I received stated I could call and temporarily allow deposits but when I called and tried they said that is not correct. My paycheck went to this bank account via direct deposit. I called and spoke to a XXXX on Thursday, she told me my direct deposit would instantly be rejected and returned. That wasnt the case. I called back on Friday and got her again and she said thats not what she told me she told me it will be rejected and returned but not until after the weekend. Monday came and went and still nothing. I called back AGAIN. And someone else told me that it is in the process of being rejected and then a separate process for its return is needed. Today is Tuesday XX/XX/XXXX. My paycheck went say is XX/XX/XXXX and I still have no updates on where my paycheck is. It is XXXX, they should be able to- be required to give me a clear time line of the process of when they will return the money to my employer. 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 2026-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally request the removal of an inaccurate medical collection account from my credit report. When I reviewed my credit report, I discovered a collection account related to an emergency room visit in XXXX XXXX, Texas. I immediately disputed the account because I believed it was reported in error. Unfortunately, my dispute was denied. After my dispute was denied, I contacted both my health insurance company and the collection agency to understand how this debt was created. My health insurance company informed me that they have no record of ever receiving a claim or medical bill for services allegedly provided on XX/XX/year>. Since my insurance was never billed, they were never given the opportunity to process or pay the claim. I then contacted the collection agency, and they informed me that the emergency room had reported my information incorrectly, including my name and my date of birth. They also told me that the medical bill was sent directly to collections on the very same day of the alleged service, instead of first being submitted to my insurance company. As a result, my insurance never received the claim. The collection agency also told me that I could pay {$370.00} for them to pursue a legal dispute on my behalf to avoid paying the full medical bill. However, I do not believe I should have to pay to correct an error that was caused by the medical provider. I also attempted to contact the emergency room directly. They told me they have no record of treating me on XX/XX/year>, and therefore could not provide any additional information regarding this account. I have made every reasonable effort to resolve this issue by contacting my insurance company, the collection agency, and the medical provider. Unfortunately, no one has been able to correct the error or provide a valid explanation for why this account was reported. Because this account appears to have been reported using incorrect personal information and without first billing my insurance, I respectfully request that you conduct a thorough reinvestigation and remove this inaccurate collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your time and consideration. I appreciate your prompt attention to this matter and look forward to your response. Sincerely, 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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting and attempting to collect an alleged XXXX XXXX debt that I dispute. I have never been a XXXX customer and have never had XXXX XXXX service. After requesting debt validation, I learned the alleged account was associated with a service address at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, which is not my address. I reside in XXXX and have never lived at or used that address. I've attached my renters insurance showing my proof of address during the time the alleged debt was opened. The alleged debt also relates to an XXXX XXXX. I purchased my own XXXX XXXX directly through XXXX in XXXX and have documentation showing that purchase and my active XXXX account. I contacted XXXX XXXX XXXX Department, which opened an identity theft investigation and instructed me to complete a XXXX Identity Theft Packet. I have filed an FTC Identity Theft Report and am mailing the completed fraud packet to XXXX. Despite these facts, XXXX continues to report this account as my debt. I request that XXXX conduct a thorough investigation using the identity theft information provided. If they can not establish with competent evidence that I opened or authorized this account, I request that they immediately cease collection efforts, notify all credit reporting agencies to delete this collection account, and provide written confirmation that I am not responsible for this debt.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX MoneyLion restricted my account without providing any explanation. I still have a significant amount of funds in there. I have reached out over XXXX times since them asking for information and they have ignored all of my requests.

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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Approximately XXXX years ago I discovered a fraudulent XXXX XXXX account was opened in my name without my knowledge or consent. I immediately filed a police report with the XXXX and an FTC Identity Theft Report. I also disputed the account with XXXX. On XX/XX/year> I received a debt collection notice from I.C. System, Inc. attempting to collect {$10000.00} ( {$9200.00} original balance plus {$1600.00} in fees ) on behalf of XXXX XXXX for this same fraudulent account. I have since sent I.C. System, Inc. a written dispute letter via XXXX XXXX Mail disputing the debt in its entirety, along with copies of my FTC Identity Theft Report and NYPD police report, as required under XXXX XXXX XXXX and the XXXX. I am requesting that I.C. System, Inc. immediately cease all collection activity on this fraudulent account and confirm in writing that the debt has been closed and will not be reported to any credit bureau. ''

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 2026-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I am requesting the removal of this XXXX collection from my credit report because the balance being reported is inaccurate and inconsistent. My final XXXX bill was XXXX. I later received a debt verification letter from MRS BPO showing a balance of XXXX. The account is now being reported by XXXX XXXX with a balance of XXXX. These conflicting balances demonstrate that the debt has not been reported accurately. XXXX has failed to maintain a consistent and verifiable balance for this account. Because the reported information is inaccurate and can not be relied upon I request that this collection be removed from my credit report. If XXXX believes the reported balance is accurate it must provide a complete itemized accounting and documentation supporting every increase from my final bill to the amount currently being reported. I request that this inaccurate collection be deleted from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I am filing a complaint against USAA regarding the restriction they have placed on my checking account after I disputed several unauthorized transactions. Without prior warning or a meaningful explanation, USAA restricted my checking account and blocked my access to all of my funds. As a result, I am unable to pay my bills, purchase necessities, or access my own money for daily living expenses. This has created a significant financial hardship and is directly interfering with my livelihood. I have contacted USAAs customer service multiple times seeking an explanation and resolution. Each time, I am told that my case has been forwarded for review and that someone will contact me within 48 hours. However, no one has contacted me, and customer service representatives are unable to provide any additional information regarding the reason for the restriction, the status of the review, or when I can expect my account to be restored. USAA has already taken several security measures to verify my identity and secure my account. They ordered me a new debit card, required me to change my online banking password, and confirmed my login activity and account access. Despite completing these security measures, they continue to restrict my access to my checking account without providing any explanation as to why my funds remain inaccessible. While I understand that financial institutions have fraud prevention procedures, completely restricting a consumers access to all of their funds without timely communication, transparency, or a reasonable resolution process is unacceptable. I disputed transactions in good faith, and I should not be deprived of access to my own money indefinitely without clear justification or a timeline for 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 2026-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
In XXXX, XXXX, and XXXX, my mortgage was placed into a forbearance program. After the forbearance period ended, I resumed making my regular mortgage payments in XXXX and have continued making payments as required. My mortgage servicer subsequently offered me a program that would move the XXXX missed forbearance payments to the end of my loan. Based on the information provided by the company, I understood that this option would resolve the missed payments without negatively affecting my credit. At no time was I informed that the payments covered by the approved forbearance would be reported to the credit reporting agencies as late or delinquent. After accepting the program and resuming my regular payments, I discovered that the mortgage servicer had reported the XXXX months covered by the forbearance to the credit bureaus in a manner that negatively impacted my XXXX XXXX. Had I been informed that participating in the forbearance or accepting the repayment option would result in adverse credit reporting, I would have requested additional information or explored other options before agreeing to the program. I believe the mortgage servicer failed to clearly disclose the potential credit reporting consequences of the forbearance and subsequent loan modification/payment deferral option. As a result, my credit has been damaged despite my efforts to comply with the agreed-upon terms and promptly resume my mortgage payments. I respectfully request that the CFPB investigate this matter and require the mortgage servicer to : Review whether its credit reporting complies with applicable laws and regulations governing mortgage forbearance and credit reporting. Correct or remove any inaccurate or improper negative credit reporting associated with the approved forbearance period, if appropriate. Provide a written explanation of why the loan was reported to the credit bureaus and identify the legal or contractual basis for that reporting. Ensure that borrowers are clearly informed of any potential credit reporting consequences before they accept forbearance or payment deferral programs. I have attempted to resolve this issue directly with the mortgage servicer but have not received a satisfactory resolution. I am requesting assistance in obtaining a fair resolution and the correction of any inaccurate credit reporting.

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 2026-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I deposited my XXXX take-home paycheck from my employment with the New York XXXX Police XXXX XXXX. I had a {$800.00} insurance bill thats was due TODAY XX/XX/year> from USAA. I have spoken with the member resolution team, and they themselves are astounded that nobody can seem to release my money so I can pay THEM. They are withholding my money that was ultimately supposed to be used to pay for the bill that was due today from them. Basically, they are withholding my funds while still expecting a payment.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company : Synchrony Care Credit XX/XX/year> I paid off the Payoff amount of {$440.00} and closed the account. The account was fully closed after payoff but was charged an additional {$9.00} after the account was closed. They stated that XXXX was left over as daily accural even though the account was paid in full with a balance of {$0.00} remaining. I spoke with XXXX XXXX through the chat and they removed the one interest charge of {$5.00} only after I asked for their name to be included in this report. They state that an account holder is able to close an account even with a balance on it. They added fees after the account was closed and I paid the balance in full. They would not remove the additional fees of {$3.00} they stated they could not remove. I was not able to access any of my account info at the end of the chat but could prior to the chat. I have screen shots and the entire chat log from the conversation.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was promised a promotional deal from Citi XXXX of spend {$4000.00} and recieve XXXX bonus points. They charged me a {$95.00} annual fee for the privilege. I was layer told that they took this promotion away from me, without telling me, and will not refund my {$95.00} fee if I cancel 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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX confirmed that the debt was removed from my credit report for {$160.00} The company continues to send me text messages for collection and I follow the instructions to reply STOP to opt out and the continued to send the same collection text. It wasnt until XX/XX/year> when I texted STOP. And added that I will pursue legal action for harassment at XXXX that they finally responded with I was unsubscribed from XXXX on XX/XX/year> at XXXX. A week has passed and I received another collection XXXX from the same number.

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 2026-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: IA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding multiple overdraft fees that I believe were handled unfairly. My checking account became overdrawn after several debit card purchases. At the time I continued using my debit card, I was not seeing overdraft fees posted to my account. Because the fees were not visible, I believed I only needed to cover the negative balance. If I had seen the first overdraft fee when it was assessed, I would have immediately stopped using my debit card and would not have continued making purchases. Instead, multiple overdraft-related fees were added to my account over a short period. I was ultimately charged XXXX overdraft-related fees totaling {$210.00} all in XXXX day. These fees significantly increased my negative balance. Before receiving my paycheck, I contacted U.S. Bank and explained that I would be able to pay the negative balance when I was paid on Friday. After seeing the overdraft fees, I requested a courtesy refund because I was not aware the fees had accumulated while I was making purchases. U.S. Bank denied my request for any refund. I am asking for U.S. Bank to review the circumstances surrounding these overdraft fees, explain how each fee was assessed, and reconsider refunding some or all of the - {$210.00} in overdraft fees. I believe I was not given a fair opportunity to avoid additional fees because they were not visible to me while I was continuing to use my debit card. I pay rent and XXXX with this card. And this is the first time this has ever happened to me. I am in college and can not afford this and I dont want 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 explanation
Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit control LLC is reporting a debt that is a result of identity theft. I am not responsible for this debt because my identity was stolen. Account number is XXXX reporting to 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 2026-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).

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