vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
in possession of a fraudulent cashier check drawn on TD Bank purchased by an XXXX XXXX XXXX in the amount of {$14000.00} on XX/XX/XXXX presented to me the seller of an auto that I did not release to the scam buyer on the XXXX of XX/XX/XXXX after verified check was not valid directly with the bank. XXXX XXXX driver license # XXXX age XX/XX/XXXX ( Texas ) license. 
With an address showing as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX .. phone numbers XXXX and XXXX which I have several text messages from.. The man found my vehicle in XXXX I had 8other potential buyers who were also a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a text from number XXXX texas. Asking if I had approved a XXXX transfer to a XXXX XXXX. I said no. They called and said bank of America. In which I said I dont have a bank of America account. He said what account do you have. I said im not giving you that information. He started to verbally assault me with words about my private parts, calling me names and I hung up. Then they tried to call back I ignored the call.

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 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Back in XXXX  I had a judgement placed on me for XXXX, {$80.00} a month until paid. I have never missed a payment. I received a letter in the mail about my balance being XXXX last year. I sent in a check XX/XX/XXXX my back verified that it was delivered on XX/XX/XXXX. It is now XX/XX/XXXX. I have called XXXX several times to ask why the check has not cleared. They switched me to different representatives saying they cant find my accounts when they do Find My accounts. They tell me they can not talk to me about my accounts I finally got a touch with someone in legal andshe said that I still owed {$5700.00}. I told her about the statement that I had received last year for XXXX and she told me the account numbers dont match when I ask what my account number is, she couldnt tell me because she said she was in the middle of a merger. I then asked for a transaction report to be emailed or mailed to me and she said she couldnt do that and then called the courthouse where the judgment was and they said that they have no records of me paying on that judgment so they are not reporting it to the courthouse. In the last XXXX hours, Ive talked to nine different people that worked for XXXX  and XXXX  in XXXX Tennessee and they can not tell me where my money is going or the right amount. Everyone gives me a different amount. And these medical bills are not even on my credit report anymore so it is a concerning that Im giving them {$80.00} for one bill and {$50.00} for another bill every month for the last six years and they cant tell me where my money is going and no one knows about my account when I call. I do have recorded conversations with employees. The accounts are under 3 different names cause I have been married twice and my maiden name. XXXX XXXX which my judgment is under, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am filing a complaint regarding Citis handling of a dispute on my Citi credit card account related to XXXX  XXXX in the amount of {$30.00}. Timeline : XX/XX/2026 : I opened a dispute because I paid XXXX XXXX but the service was not provided. Citi opened the dispute and issued a conditional credit. XX/XX/2026 : XXXX  XXXX temporarily restored the service, so I withdrew the dispute in good faith. XX/XX/2026 : XXXX  XXXX  stopped the service again even though I had prepaid for the month. I contacted Citi and asked Citi to reopen the dispute/case. XX/XX/2026 : Citi sent a letter claiming Citi credited my account twice by mistake and therefore rebilled {$30.00} to correct Citis error, and stated the conditional credit was reversed because the investigation was complete. This explanation is not accurate for my situation, because Citi also charged me twice related to this transaction. I did not receive the prepaid service, and Citis dispute handling and billing adjustments have been inconsistent and incorrect. I have tried to resolve this in good faith, including withdrawing the dispute when the service was restored. I am requesting that Citi correct the billing, properly review the dispute based on the fact that the prepaid service was not provided for the month, and fix any duplicate charge/credit postings.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
This issue is a follow-up to a prior CFPB complaint regarding lender-placed insurance on our mortgage. While the servicer removed the lender-placed insurance prospectively, their response did not address mortgage overpayments that occurred due to delayed correction. 

The servicer confirmed that the corrected monthly mortgage payment effective XX/XX/XXXX is {$5400.00}. However, we paid {$5900.00} for both the XX/XX/XXXX and XX/XX/XXXX mortgage payments, amounts that included lender-placed insurance which has since been removed. 

Based on the corrected payment amount, this resulted in an approximate overpayment of {$1000.00} across those two months. The servicers response did not explain how this overpayment was applied or credited. 

We are requesting : A current escrow account statement showing the full transaction history, including insurance-related disbursements, refunds, and adjustments. 

Written confirmation of how the XX/XX/XXXX and XX/XX/XXXX overpayments were applied ( e.g., escrow surplus, credit, or future payment application ). 

Confirmation that the escrow balance accurately reflects all credits resulting from the removal of lender-placed insurance. 

This request is to ensure the escrow account is accurate and fully reconciled following the off-cycle escrow analysis referenced in the servicers response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have dealt with XXXX  and XXXX XXXX for years. The credit is with synchrony bank. I purchased items last year on a pay interest free for XXXX mths. I set up pay through my bank on auto pay on both accounts. I know it was paid every month, I get email from bank. In XXXX I checked both bills and they over charged me by about XXXX. Charging late fee and interest every month on both accounts. I immediately tried to scrape up the amount to pay in full. XXXX I paid in full both accounts. Next month received bill for either interest or late fee on a XXXX balance. The company never closed my accounts as asked and are still charging me with XXXX balance. As a senior citizen I find this company is out of line and harassing. I have an XXXX credit rating. I believe I should get money back and also both accounts closed as I requested. Thanks

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 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Product : Credit card Issue : Billing dispute / Promotional interest Company : Comenity Capital Bank ( XXXX credit card ) Complaint : I have an XXXX credit card issued by Comenity Capital Bank with multiple deferred-interest promotional balances, each with different expiration dates. I am attempting to pay down the promotional balance that expires soonest in order to avoid deferred interest. 
Despite repeated calls and written requests, Comenity refuses to allow me to direct payments to a specific promotional balance. Payments are instead automatically applied to longer-term promotions with later expiration dates. Customer service representatives repeatedly provide generic policy language and are unable or unwilling to document or execute my requests. 
Comenity has stated that payment reallocation can only occur after the billing cycle closes, is one-time only, and may result in additional finance charges. This creates a situation where I can not proactively protect myself from deferred interest posting, even when payments are made on time and in excess of the minimum due. 
I believe this practice is unfair and deceptive, as it exposes customers to avoidable deferred interest while preventing reasonable payment allocation control. I am requesting written confirmation that payments can be applied to expiring promotional balances, or assurance that no deferred interest will be charged due to Comenitys payment allocation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
A Collection account was added to my credit report that is not mine. I have filed an identity theft report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One close my XXXX credit card account. At the time of closure, I had {$430.00} in earned cash back rewards. 

I was not provided advance notice or a reasonable opportunity to redeem these rewards before the account was closed. I am not disputing Capital One 's right to close the account. 

The rewards were earned through completed purchases made in good standing. I am requesting a one-time courtesy payout of the earned cash back balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding an improperly collected medical debt that should have been processed through health insurance. 

CMRE reference : XXXX In XX/XX/XXXX, I received XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX The XXXX XXXX was later issued by XXXX XXXX XXXX XXXX in the amount of approximately {$940.00}. 

At the time of billing, the provider processed the account as XXXX  because they did not have my insurance information. After receiving the statement, I promptly provided my health insurance details to the billing office by email and requested that the claim be submitted properly to insurance. 

Despite my documented efforts, the provider failed to submit the claim, did not respond to multiple follow-up emails and phone calls ( XXXX ), and instead referred the account to a third-party debt collector. 

In XX/XX/XXXX, I received a collection notice from CMRE Financial Services for the same amount ( approximately {$940.00} ). The debt is being pursued even though it is the result of an insurance billing failure and remains disputed. 

I have formally disputed this debt and requested validation. The original provider and billing contractor have been unreachable and unresponsive, leaving me unable to resolve the issue through normal channels. 

I am requesting that the collection activity stop immediately, that the debt be returned to the provider for proper insurance processing, and that no credit reporting occur while the debt is disputed. 

If the collector continues collection efforts or reports this disputed medical debt to credit bureaus without proper validation, it may constitute violations of the FDCPA and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: VA

Complaint narrative:
The credit card company claims a refund was mailed, but they can not provide a check number, mailing date, or proof of delivery. I have not received the funds. I have contacted the company multiple times, and they continue to state the refund was sent without any documentation. I am requesting the refund be reissued immediately. 

This is for firstLatitude

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: IL

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc.
State: FL

Complaint narrative:
Org Compliant : XXXX I submitted a written request to Systems & Services Technologies , Inc. ( SST ), the servicer of my solar loan, requesting disclosure of the current owner or assignee of the promissory note pursuant to 15 U.S.C. 1641 ( f ) ( 2 ).

SST responded on XX/XX/year> by providing debt validation materials, payment history, and a copy of the original loan agreement. However, SST did not identify the current owner of the loan, nor did it state whether the loan has been sold or assigned since origination. 

Federal law requires a loan servicer, upon written request, to disclose the name and address of the entity that owns the loan. Providing validation documents is not responsive to this requirement. 

Despite multiple written communications, SST has failed to provide the required ownership disclosure. I am requesting that SST be required to comply with federal law and provide written identification of the current owner or assignee of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding improper servicing and billing by Santander XXXX USA Inc., operating under the XXXX XXXX brand, following a total-loss vehicle claim and GAP insurance coverage. 

My vehicle was declared a total loss in XX/XX/XXXX. The insurance claim with XXXX XXXX was filed on XX/XX/XXXX, and XXXX XXXX issued its settlement check to XXXX XXXX on XX/XX/XXXX. I paid for GAP insurance from XX/XX/XXXX through XX/XX/XXXX to cover any deficiency balance following a total loss. 

I was verbally informed by agent # XXXX that GAP insurance paid approximately {$1000.00} around XX/XX/XXXX. Despite this, the account was charged off on XX/XX/XXXX. 

The written correspondence I received dated XX/XX/XXXX does not reflect the GAP payment as a separate credit and does not provide a full accounting. It only shows a remaining balance of {$220.00} without explaining how that balance was calculated or identifying the charges included. 

I was never provided post-loss billing statements or notices explaining that interest, fees, or other charges were accruing after the vehicle was totaled. Santander/XXXX XXXXXXXX has stated that the remaining balance represents interest or fees due to non-payment, however I was not notified of any missed payment, delinquency, or amount due after the total loss, and no delinquency notices were sent. 

Charging off the account while an insurance and GAP claim was being resolved, without notice or a clear accounting, improperly shifts internal delays and undisclosed charges onto the consumer and defeats the purpose of GAP insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding an unexplained corporate advance fee and my servicers refusal to provide accurate accounting. I am not disputing my mortgage payment. I am disputing an additional fee and the lack of documentation. 

On XX/XX/year>, Rocket Mortgage added a corporate advance fee of approximately {$560.00} to my account, due with my XX/XX/year> payment. This fee appeared without prior written explanation and is now included in the amount shown on my mortgage payment screen. The only evidence I have of this fee is the online payment display. 

Separately, my XXXX escrow statement shows an escrow overage of approximately {$4300.00}. I do not believe I am owed that money, and I am not requesting a refund. However, if that overage calculation is real, I asked that the corporate advance fee be reconciled against it or otherwise accounted for, especially since my escrow balance is now negative. The servicer did not apply the fee to my escrow balance and did not show where the overage went. 

When I asked for written documentation explaining the corporate advance fee and the escrow figures, I was repeatedly told in chat that the XXXX escrow numbers were not real or did not exist, and that Rocket Mortgage was not required to provide corrected or accurate numbers. These statements were made in chat, but no written documentation was provided to support them. 

I requested written documentation explaining : what the corporate advance fee represents, when it was assessed, and how the escrow overage shown on my XXXX statement was resolved or reconciled. 

Instead, I was repeatedly directed to phone-only communication and told documentation could not be provided unless I called. I explained that I require written communication and documentation, including as a reasonable accommodation, because phone conversations do not provide a reviewable record. Chat sessions were ended without providing the requested information. 

My complaint involves two related issues : A significant corporate advance fee was added shortly before it was due, without written explanation. 

The servicer has refused to provide accurate written accounting for either the fee or the escrow figures, stating that the numbers do not exist and that they are not required to provide them. 

I am requesting assistance in obtaining written documentation explaining the corporate advance fee and the escrow accounting, or removal of the fee if it can not be properly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, my repossessed vehicle was at XXXXXXXX XXXX XXXX XXXX XXXX I attempted to retrieve my personal belongings. The tow company demanded a {$50.00} fee for access, which I disputed. I agreed to pay and signed the document under protest by writing without prejudice. Despite this, the tow company refused to allow me access and barred me from the premises in the presence of law enforcement. My interactions and the refusal are documented under police case number XXXX. Personal property was withheld unlawfully, and I am requesting CFPB intervention and VyStars immediate corrective action.

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