vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent consumer credit report, I noticed that the following account is no longer appearing on my credit file. This account is legitimate, authorized, and belongs to me. I opened and maintained this account, and its removal has negatively impacted my credit profile due to the loss of payment history, account age, and available credit. 
I recently submitted a dispute concerning specific hard inquiries that were present on my credit report. I am uncertain as to whether the dispute pertains to the elimination of this tradeline ; however, I would like to emphasize that I did not dispute the account in question nor did I request its removal.

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: WI

Complaint narrative:
company XXXX contacting me via email every 1 to 2 days about debt. They also contact me via message. Not once i have a letter come in the mail saying anything about debt. Total seems to be around {$700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing regarding the above-referenced mortgage account. This account reflects a long-standing history of timely payments XXXX  accurate reporting. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), consumer reports must be complete XXXX  accurate. This mortgage tradeline represents a significant XXXX  accurate portion of my credit history. Premature removal or discontinuation of reporting would create an incomplete picture of my credit profile. 

I am respectfully requesting that Bank of America continue furnishing accurate information regarding this account XXXX  the consumer reporting agencies for as long as permitted under applicable law XXXX  your reporting policies. 

Please note that I am not disputing the accuracy of this account. I am requesting confirmation that accurate XXXX  complete reporting will continue XXXX  reflect my payment history. 

Thank you for your time XXXX  consideration.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
My SoFi personal account was frozen in early XX/XX/2025 and remained completely locked until it was closed by SoFi around XX/XX/. During this entire three-month freeze, I was denied access to my balance of {$18000.00}. Upon closure, SoFi informed me that these funds were returned via ACH to the originating business account. 

The receiving bank for the originating business account has no record of this return. They have requested the standard 15-digit ACH Trace Number to locate the missing funds in their system. I have contacted SoFi customer service multiple times to obtain this trace number. I am continually told that because my account is closed, customer service can no longer access my records to provide the transfer details. 

Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), financial institutions are required to comply with error resolution procedures when a consumer properly asserts an error, even if the account has been closed. Withholding the trace number prevents the receiving bank from locating my money, effectively leaving {$18000.00} in limbo and in direct violation of your record-keeping and error resolution obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendbuzz Inc.
State: NY

Complaint narrative:
The car was sold I put down XXXX XXXX  the car sold for XXXX my name was in a data breach I do not owe them any money they are reporting XXXX  the credit agency false information trying XXXX  mess up my credit I would like this item deleted off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my recent consumer credit report, I noticed that the following account is no longer appearing on my credit file. This account is legitimate, authorized, XXXX  belongs XXXX  me. I opened XXXX  maintained this account, and its removal has negatively impacted my credit profile due XXXX  the loss of payment history, account age, XXXX  available credit. 
I recently submitted a dispute concerning specific hard inquiries that were present on my credit report. I am uncertain as XXXX  whether the dispute pertains XXXX  the elimination of this tradeline ; however, I would like to emphasize that I did not dispute the account in question nor did I request its removal.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
I can't access my CashApp account. I have a balance of XXXX $ Cashapp says due XXXX security reasons they can not allow access XXXX  my account. I have already verified my account with a photo of my id. I've asked XXXX  transfer the funds XXXX  another account but it doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting this complaint against * * Transworld Systems , Inc. * *, a third-party collection agency, for inaccurate credit reporting and unfair debt collection practices. 

Transworld Systems is reporting a collection account on my consumer credit reports that I believe is inaccurate, incomplete, and/or unverifiable. I have reason to believe this account has been reported without proper validation and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, Transworld Systems has failed to provide adequate documentation demonstrating that : * The debt is valid and legally owed by me * They have the legal authority to collect this debt * The amount being reported is accurate ( XXXX ) XXXX The account information is being reported correctly to the credit reporting agencies Despite my efforts to address this matter, the account continues to be reported in a way that is negatively impacting my credit profile. 

I am requesting that * * Consumer Financial Protection Bureau * * investigate this matter and require Transworld Systems to : * Provide proper validation of the alleged debt, or * Remove the account from my credit reports if it can not be fully verified I am also requesting written confirmation of the outcome and any corrective actions taken. 

Thank you for your assistance in ensuring that my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Complaint Regarding Denied Fraud Claim by Navy Federal Credit Union. - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB Complaint Ref. ( XXXX ) or incident number ( XXXX ) XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint against Navy Federal Credit Union regarding their denial of my fraud claim, reference number XXXX or Incident number XXXX. This denial occurred on XX/XX/XXXXXXXX  and XX/XX/XXXX, and I believe it is unwarranted given the clear evidence of fraud and the contradictory resolution from another financial institution. 

* * Summary of the Incident : * * On or about XXXX of XXXX  my account with Navy Federal Credit Union, account number ending in XXXX and XXXXXXXX XXXX XXXX XXXX were both subjected to fraudulent activity, to one merchant " Whatnot ''. I promptly reported this to Navy Federal and XXXXXXXX XXXX XXXX XXXX and initiated a fraud claim. 

* * Evidence Provided to Navy Federal Credit Union : * * In support of my claim, I provided Navy Federal & XXXXXXXX XXXX XXXX XXXXXXXX with the following critical documents and information : 1. An * * official police report * *, filed on XX/XX/XXXXXXXX  with the XXXX XXXX XXXX Police Department, which details the specifics of the fraudulent activity. 
XXXX. * * Bank statements from XXXX XXXX XXXX XXXXXXXX clearly showing similar fraudulent transactions that occurred on my account with them. Crucially, XXXXXXXX XXXX XXXXXXXX XXXX conducted their own investigation, acknowledged the fraud, and * * fully reimbursed me for all disputed transactions. * * 3. ID Theft affidavit & FTC report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CREDENCE RESOURCE MANA ACCOUNT NUMBER XXXX TO WHOM IT MAY CONCERN I AM WRITING IN RESPONSE TO YOUR COMMUNICATION REGARDING THE ABOVE REFERENCED ACCOUNT. T HIS LETTER IS SENT PURSUANT TO MY RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) ,15 U.S.C.1692G. 
I AM REQUESTING VALIDATION OF THE ALLEGED DEBT. 
PLEASE PROVIDE THE FOLOWING : 1. THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR 2.THE FULL AMOUNT OF THE ALLEGED DEBT INCLUDING AN ITEMIZATION OF INTEREST FEES AND CHARGERS.

3.COPIES OF ANY AGREEMENT OR CONTRACT BEARING MY SIGNATURE SHOWING I AGREED TO ASSUME THIS DEBT.

4.DOCUMENTATION SHOWING YOU ARE LICENSED TO COLLECT DEBTS IN MY STATE ( IF REQUIRED ).

5.PROOF THAT YOUR AGENCY HAS THE AUTHORITY TO COLLECT ON THIS DEBT.

IF YOU ARE REPORTING THIS ACCOUNT TO ANY CREDIT REPORTING AGENCY, INCLUDING XXXX, XXXX, OR XXXX  PLEASE NOTE THAT REPORTING INACCURATE OR UNVERIFIED INFORMATION MAY VIOLATE THE FAIR CREDIT REPORTING ACT ( FCRA ) IF YOU CAN NOT PROVIDE PROPER VALIDATION, I REQUEST THAT YOU CEASE ALL COLLECTION EFFORT AND REMOVE ANY NEGATIVE REPORTING ASSOCIATED WITH THIS ACCOUNT. 
THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE THAT CLAIM IS DISPUTED AND VALIDATED PERIOD, YOU MUST CEASE COLLECTION ACTIVITIES AS REQUIRED BY LAW I LOOK FORWARD TO YOUR RESPONSE WITHIN 30 DAYS OF RECEIPT OF THIS LETTER SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: Klarna AB
State: CT

Complaint narrative:
XXXX XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX Premium Collection for {$620.00} from XXXX using a Klarna virtual XXXX-time card. 

The package was shipped via XXXX ( Tracking # XXXX ) XXXX  marked as " XXXX XXXX '' at the XXXX XXXX. However, I did not authorize this pickup, XXXX  the item was stolen by an unauthorized XXXX  party. 

When I contacted XXXX XXXX  resolve the issue, they responded on XX/XX/year>, stating that their " XXXX XXXX XXXX  had permanently locked my account and they were " unable XXXX  move forward '' with a resolution. This effectively blocked me from resolving the theft with the merchant. 

I disputed the charge with Klarna on XX/XX/year> ( Case # XXXX ), providing proof of the account lock XXXX  the theft. Despite this, Klarna continues XXXX  send automated requests for store-level information that I can not access due XXXX  being blocked, XXXX  they have threatened XXXX  reactivate my payments for an item I never received Regarding statement XXXX ]. Under the Fair Credit Billing Act, I am entitled XXXX  a resolution for goods not delivered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rosenberg & Associates Recovery Services
State: IA

Complaint narrative:
I was called from number XXXX and was told I was being sued for a debt. I was then told to call XXXX. I was told the debt was an old XXXX card from XXXX. The guy was very unprofessional.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XX/XX/XXXXXXXX  Last Four Digits of SSN : XXXX [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Re : Identity Theft Blocking Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove information from my credit file that resulted from identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

The fraudulent accounts and inquiries are listed below : Negative Account XXXX Account closed XX/XX/XXXXXXXX  ; highest balance {$170.00} ; derogatory payment history. 

Unauthorized Hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not authorized by me and are the result of identity theft. 

Enclosed are copies of my government-issued ID, proof of address, and my FTC Identity Theft Report. 

Under federal law, once you receive this request and documentation, you must block these items within four business days and notify the furnishers. Please send me written confirmation once completed. If you decide any item should not be blocked, please provide the specific reason and furnisher details. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX [ Your Signature

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 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX. My wife 's name is XXXX XXXX. I am exempt from paying property taxes because I'm XXXX. Enclosed exemption paper. Our mortgage company Rushmore servicing paid our neighbors taxes with our escrow. They also have been demanding over {$1000.00} a month when my mortgage should only be about {$500.00}!!! We have called them and they will not correct this and I am a XXXX veteran. The XXXX XXXX treasurer said she didn't send them a bill for neighbor taxes. Yet they just paid neighbors taxes again yesterday over {$1800.00} of MY ESCROW!!! I own XXXX parcel, not XXXX. See documents. Neighbors got over {$2600.00} of my escrow by Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have perfect credit for nearly 40 years with over 25 different creditors/loans. Ive had credit cards, a dozen mortgages, car loans, HELOCs, commercial loans, and installments loans. Every account was paid on time and in full prior to maturity ; I have no debt except for a couple of credit cards that I pay off monthly. My credit score is normally over XXXX. It has plummeted to XXXX because of XXXX XXXX  error. Im in the mortgage business for over 37 years and know all about paying bills on time, credit scoring and the importance of paying bills timely and before the due date. 
In XX/XX/XXXXXXXX  I got a $ XXXX HELOC on my home with XXXX XXXX. Occasionally I would use the line of credit and then pay it off in full. In XXXX  I had a XXXX balance all year. Originally when I got the HELOC the XXXX XXXX  manager told me if I opened a checking account with them the HELOC would have no annual fee ( no minimum balance ). I maintained over $ XXXX balance in my XXXX  checking account. In XX/XX/XXXX. XXXX  sent me a {$85.00} bill for an annual fee on the HELOC despite telling me there wasnt a fee. At the time the HELOC had a {$0.00} balance. I immediately called the bank manager and she said call customer service ( which I did ). Their customer service told me it was a mistake and theyd remove the charge. The next month they sent me the same {$85.00} bill and didnt correct it. So I called their customer service again. They said the same thing as the first guy-theyd remove it and I was a great customer who always paid in full and on time, not to mention I had a {$0.00} balance during the entire year. This went on for 4 months, I called over and over again but they started rating me 30, 60, 90, then 120 days late-all over a {$85.00} fee they incorrectly said I owed on a HELOC; finally in XX/XX/XXXX I just paid them the {$85.00} ( even though I didnt owe it ) to stop the bleeding and delinquency being reported I told them to close this HELOC because I didnt want to deal with them anymore. Again they said theyd reverse the charge. I went to the bank branch, closed my checking account and took my $ XXXX to another bank. 
Its not possible I could even have Incurred the {$85.00} annual fee since the account was opened in XXXX the annual fee could not have possibly even be due yet ; the HELOC annual fee couldnt be charged because an annual fee means 12 month so how could they charge me an annual fee of {$85.00} when only 6 months went by since opening it. Annual means 12 months-NOT 6 minths. 
I filed multiple disputes to get this removed and sometimes the dispute came back as approved and creditor agreed to remove the account. Sometimes the dispute came back saying

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
For my PayPal XXXX XXXX XXXX issued by Synchrony Bank, I have set up autopay to pay for any statement balance on my due date. Because the balance would always be paid in full on the due date, no interest should be charged. 

The autopay has worked correctly for more than a year. However, the autopay occurrence of {$1600.00} scheduled on XX/XX/year> was not processed. The card issuer marked the payment as " returned '', saying that " Due to issues with your payment method, your autopay was canceled. This months payment was not applied to your account '' in an email. 

The payment didn't go through solely because of technical issues of the card issuer - I maintained enough balance in the checking account used for the autopay. The credit union where I have the checking account confirmed that my checking account is in good standing, and Synchrony Bank did not make an XXXX pull attempt of {$1600.00} at all. 

I reached out to Synchrony Bank via telephone immediately after receiving the email, trying to resolve the issue. I made another payment as soon as I can ( {$1600.00}, on XX/XX/year> ). The payment went through this time, using the same checking account that was being used by the autopay at all time, again proving there is no problem with my checking account. 

The card issuer is now charging me an interest of {$34.00}, citing that I did not pay the balance in full by the due date. However, as I described above, I did make a full payment via autopay on XX/XX/XXXX, by the due date. That payment did not go through solely because a technical failure of the card issuer, and I made another payment in a very timely manner in good faith. The interest being charged is unreasonable.

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I transfer {$5000.00} using Abound by XXXX XXXX XXXX platform on XXXX XXXX with transaction ID XXXX. This amount debited from my saving account has been send to my overseas account and when i have tried reaching out customer to my bank XXXX and Abound i am not getting help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation