vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
On XX/XX/XXXX I sold {$6600.00} in XXXX. The funds became available for withdrawal on the same day. I am trying to transfer the funds to my SoFi savings account. It tells me failed transaction. I have called XXXX and spoke to multiple team members who tell me they will fix it. As of now XX/XX/XXXX, it is not fixed. I have perfect credit and have never missed a bill. Now I have missed my rent, auto loan, and credit card payment because I can not withdraw my money. I am stressing out and now owe interest on these late payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit
State: CA

Complaint narrative:
I am filing this complaint against VW CREDIT INC for reporting an alleged late payment for the XX/XX/year> & XX/XX/year> billing period on Account No. XXXX without providing proper verification or a clear explanation of how the delinquency was calculated. Despite my formal request for confirmation, VW CREDIT INC has failed to demonstrate that the reported late payment accurately reflects its internal payment records, account balance, or payment due date at the time. Reporting a delinquency without substantiating documentation violates the Fair Credit Reporting Act, including the duty to ensure maximum possible accuracy and to reasonably investigate disputed information be

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, a charge of {$340.00} was made to a Capital One credit card for a XXXX order containing two items. I received only one item on XX/XX/year>, which was held at a XXXX  location and picked up by me. The second item was never delivered. 

XXXX tracking shows that the second item was returned to the shipper due to an address issue. I have screenshots showing the package was delivered back to the shipper. Despite this, XXXX system continued to show the item as in transit, and customer service repeatedly instructed me to keep waiting. 

Because the second item was never received, I requested a refund for the undelivered item only, totaling {$210.00}. Capital One issued a provisional credit of {$210.00} on XX/XX/year>, but reversed the credit on XX/XX/year>. 

I contacted XXXX multiple times regarding the missing item. On XX/XX/year>, XXXX confirmed in writing that the refund had been successfully processed and initiated. However, no refund was ever issued. XXXX later continued to provide refund timelines that had already passed and offered small store credits, which I rejected. 

Capital One closed the dispute stating that the response lacked requested information and advised me to work directly with the merchant, despite the merchant already confirming the refund. The credit card account is under the primary account holder, while I am an authorized user who made the purchase and handled the dispute, which explains the name difference in dispute correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I do not owe LVNV Funding LLC any money. I have never had an account or agreement with your company. At no time have I authorized or consented to LVNV Funding LLC accessing, reporting, or using my personal information, including but not limited to my name, Social Security number, date of birth, or home address. 

If you claim I owe this debt, you are required to provide proper validation. This includes a copy of a valid contract or agreement bearing my signature that clearly establishes a direct relationship between myself and LVNV Funding LLC. Documentation from another source, or information you may have fictitiously acquired or purchased, is not acceptable proof of any obligation on my part. 

Until you provide this documentation, any reporting of this alleged debt to the credit bureaus constitutes furnishing inaccurate and unverifiable information, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Debt Validation Letter Date : Via Certified Mail ( Return Receipt Requested ) Re : Request for Debt Validation Account Number To Whom It May Concern, I am writing in response to your communication dated [ insert date of their letter/call ] regarding the alleged debt referenced above.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I dispute this debt and request full validation and verification of the alleged obligation.

Please provide the following : The amount of the debt, including an itemized breakdown of any interest, fees, or charges ; The name and address of the original creditor ; Copies of any documents bearing my signature that show I am legally obligated to pay this debt ; Proof that you are licensed or authorized to collect this debt in my state ; Documentation showing that the statute of limitations has not expired. 

Until you provide the requested validation, you must cease all collection activity, including reporting or continuing to report this account to any credit reporting agency. 

If this debt has been reported to any credit bureau, please note that it must be marked as disputed. 

This letter is not a refusal to pay, but a request for verification of the alleged debt. Any attempt to collect without proper validation may constitute violations of federal law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I explained to Affirm that I saw a charge on my account that I did not authorize. I also provided to them where my bank rejected a charge from this merchant, but they allowed it to go through. I let them know that a hacker had access to my computer, turning on my camera, moving my mouse, they even changed my password to my virus protection to " XXXXXXXX  '' - which was very alarming. I even provided to them from XXXX where the agent verified that they could not find an account with my name. I provided information letting them know my bank contacted me due to my account being compromised and I had to get a new debit card. Affirm is not investigating fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting this complaint to request verification of specific late-payment information being reported by XXXX on my credit file. I am seeking confirmation regarding the accuracy of the reported payment status associated with the account listed below. 

The account in question is account number XXXXXXXX XXXX XXXX XXXX XXXX  Late-payment information appears to be reported even though there are no late payments reflected. I am requesting confirmation as to whether the reported late-payment status aligns with WFHMs internal payment records. 

I am further requesting clarification as to how any alleged delinquency was calculated in relation to the account balance and account status at the time the late payment was reported. This request is made solely to ensure accurate and verifiable 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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Account Closure and Withheld Funds. 
I held an account with Bank of America, which was closed by the bank at some point around XX/XX/XXXX or possibly in XXXX. At the time of closure, the account contained a total of {$15000.00}. After my account was closed, I requested that Bank of America release these funds to me. 
The funds in question originated from the Department of Labor for the state of XXXX XXXX. I contacted the Department of Labor to clarify the situation, and they confirmed that they did not request the return of these funds and can not request the return of the funds. The Department also advised that if the bank believed there was any illegal activity, they should return the funds to the sender. 
Bank of America refused both to release the funds to me and to send them back to the Department of Labor after closing my account. They have held these funds for XXXX years. The bank explained that their reason for holding the funds was that my girlfriends funds were deposited into my account, which caused the account to be flagged and subsequently closed. 
In response, I offered to come in with my girlfriend so that both of us could present identification and verify our ownership of the funds. I also suggested that, alternatively, the bank could return the funds to the Department of Labor. Bank of America refused both options, declining to allow us to present identification and refusing to send the money back to the sender. As a result, the funds, which were unemployment benefits, have been held by the bank for XXXX years. 

I emphasized to the bank representatives that I was willing to fully comply with any verification process they required. Despite my repeated offers to resolve the matter cooperatively, including appearing in person with my girlfriend and providing all necessary documentation, the bank continued to withhold my funds without offering a clear resolution or next steps.

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 2026-01-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I have a retainer agreement with my email recovery account data breach ID restoration took so long. The account was compromised and the bank has a compromise data breach report with bankruptcy litigation. I have a fraudulent accessed email business account affidavit XXXX XXXX with account data breach report. I want to file a CEO compromised of the attorney marketplace account. I have a release of duty with cyber extortion claim from the data breach. I want to file a account hack policy update with a due process of collection from the data breach policy. I have a compromise email recovery plan policy holder retainer agreement my account was for closed in a reverse Mortgage with a bankruptcy trustee. I want to send a police report with account data breach notice of dispute fraud bankruptcy with account affidavit identity theft report. I have a breach of contract with the litigation for account compromise and email soliciting from the bankruptcy dispute forged document from delay of payment.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MI XXXX Re : Request for Debt Validation Dear Midland Credit Management, I am writing in response to a call received from your company regarding an alleged debt. I am requesting that you provide validation of this debt, as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide me with the following : The amount of the alleged debt. 

The name of the creditor to whom the debt is currently owed. 

Copies of any documents or contracts showing that I agreed to assume this debt. 

A detailed account history, including any fees or interest applied. 

Proof that your company is legally authorized to collect this debt. 
Until you provide the requested documentation, I am requesting that you cease all collection activities.

Please be advised that failure to provide proper validation of this debt may constitute a violation of federal law. I am keeping a copy of this letter for my records. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am filing this complaint against XXXX for reporting an alleged late payment for XX/XX/2021 on account number XXXX without providing any verifiable proof that the delinquency was accurate or calculated in accordance with their own internal payment records. XXXX has failed to substantiate how the late payment was determined, whether the account balance was actually past due at the time, or whether the reporting complies with the Fair Credit Reporting Acts requirement for maximum possible accuracy. Reporting unverified and unexplained late payment data is misleading, harmful, and constitutes inaccurate credit reporting. XXXX  s failure to properly verify this information after request demonstrates a lack of reasonable investigation and ongoing publication of potentially false data.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
so this would be my second cash app account i have had to make because they keep closing my accounts for going against community guidelines when i litterally use my cash app for sending and reciving money from my family and paying my XXXX  subscriptions i still have {$23.00} in this acount and it will not let me transfer it no matter what i do and i asked support how i need to go about transferring it and they said an ATM but i can not use an ATM because they deactivated my card and wont tell me how i can withdrawl my funds i just want to be able to transfer my money into my new bank account since cash app has now blocked my IP address with no explanations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint against TD Auto Finance for reporting multiple late payments on my credit file for Account No. XXXX for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX without providing proper verification or a clear explanation of how these delinquencies were calculated in relation to the account balance and status at the time. Despite my request for confirmation, TD Auto Finance has failed to demonstrate that the reported late payments are accurate, complete, and supported by their internal payment records, as required under the Fair Credit Reporting Act. Reporting unverified or inaccurately calculated late payments constitutes a failure to maintain reasonable procedures to ensure maximum possible accuracy and is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX XXXX am submitting this complaint and no other person or entity is doing so on my behalf ... And am placing the company on due notice that my following action will be to file suit against them for violation of the FCRA in the XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX Account Number XXXX I looked at my Transunion Consumer Report and noticed the above things are incomplete and or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I called my mortgage company ( Selene XXXX  ) to clear off my arrears and bring my account current. I was told that I need to pay {$14000.00} to bring my account up to date. I made that payment. Then, I checked my account at the beginning of XXXX to make a payment. But I saw something totally different. Selene XXXX  didn't apply the payment to my account but instead put over {$6000.00} in suspense account to keep my account delinquent. Selene XXXX  claimed that my mortgage payment has gone up from {$4000.00} to {$7300.00}. I called the company to find out why this drastic change without any due process. I was told there has been changes to my escrow account which resulted in an arrears of over {$20000.00}. At that time, the company sent me an email saying I have up to XX/XX/year> to pay this amount or my monthly mortgage payment increases to {$7300.00}. I have been trying to call for further explanation but to no avail. I contacted my county clerk office to find out if there's an increase in my annual taxes and was told there was a {$3000.00} increase. However, Selene XXXX  is charging me {$3500.00} extra monthly. How can a mortgage company or debt collector increase your monthly obligation without, first of all, assessing your ability to pay. It is apparent that this company is trying to pressure me to foreclose on my house illegally. I asked for a thorough explanation on how they arrived at that {$20000.00} arrears but up till now, I haven't received any reply as at this very moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at around XXXX I when to the my bank ( Bank of America ) ATM Machine ( XXXX ) to deposit cash I just received from cashing my check. In my initial deposit transaction I placed {$2700.00} into the cash deposit slot which the machine accepted. During counting my money the transaction ended and the machine displayed it was an error and the transaction can not be made, but my money was not returned and I wasnt able to recover my funds. I found out moments after that this may have been due to my card being locked, but my money should have been given back to me at that time. I called customer service at that time to report this issue and get this matter resolved and I got ahold of someone on the same day to submit a claim. 

I was told that they can see my transactions but do the for the deposit when the machine error came they can not confirm the attempted deposit and that they will perform an investigation. I was worried a they rest assured me my account should be credited while the investigation is pending. That was a large amount of money and they have yet to credit me and my account is in the negative and Im unable to take care of expenses. I need resolve to this issue, and I fear that this is a normal occurrence at that particularly ATM machine after speaking with the clerks at that store.

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