vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a dispute with Truist for 3 transactions made with my debit card XXXX. 
I cancelled the service under the store cancellation/refund policy on XXXX XXXX 2025, teh cancellation was accepted by the merchant and thei issued a full refund receipt, voided voucher and email confirming all of this information. 
I sent all the documentation to the bank but they denied the claim without any explanation, they didnt followed the arbitration rules of XXXX. 
I requested to have a second review but my right was denied

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> I sent letters to XXXX, TransUnion, XXXX and XXXX. I requested all documents on 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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood Financial LLC has restricted my brokerage account and is refusing to release my cash balance of {$83000.00}. They requested a bank statement to verify the source of funds for a transfer made in XX/XX/XXXX from my external credit union ( XXXX XXXX XXXX XXXX ). 

Due to a recognized internal system error at my credit union, standard monthly statements for that period did not generate properly and only displayed a member ID rather than the required ACH checking account number. 

To satisfy Robinhood 's Anti-Money Laundering ( AML ) and Source of Funds verification requirements, I worked directly with my credit union 's Assistant Manager. On XX/XX/XXXX, the credit union provided an official, signed verification letter on bank letterhead. This 3-page bank-issued document explicitly confirms my identity, my residential address, the full ACH account number, and formally documents the credit union 's internal statement error. It also includes a standardized Direct Deposit Setup Form and a verified transaction record for the XX/XX/XXXX transfer. 

XXXX 's support team is arbitrarily rejecting these official, manager-certified bank documents because they do not match their preferred visual template for a standard statement. They have refused my repeated requests to escalate the matter to a XXXX XXXX Supervisor for manual review. Instead, they are threatening to send my funds to escheatment. 

I am requesting the immediate release of my {$83000.00} to my linked external bank account, as I have provided the maximum level of official verification my financial institution is physically capable of producing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Validation Request / XXXX  Account Name : XXXX XXXX XXXX SSN ( Last 4 ) : XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, RI XXXX To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this alleged debt and request validation of the claim. 

Pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, you are hereby notified to cease and desist all communication with me regarding this matter, except as permitted by law to : 1. Provide written verification and validation of the alleged debt, and 2. Notify me of any specific legal action you intend to take, if applicable.

You are not to contact me by telephone, email, text message, or through any third parties, including family members, employers, or acquaintances. All permitted communication must be in writing and sent to the mailing address listed above. 

If you fail to comply with this request, I will document all further contact and consider filing complaints with the appropriate regulatory agencies and pursuing my legal rights under the Fair Debt Collection Practices Act and any other applicable laws. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Double charged by my bank fifth third almost every week for a year. I suspect a third party took out numerous loans of whatever variety on my name. And usd gift card so they were untraceable. Not to mention I have XXXX  XXXX. The teller lady at fifth third who helped my grandma and I open my account acts real weird whenever I come in. 5/3rd bank in XXXX Michigan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID

Complaint narrative:
I applied for a home refinance with Mountain America Credit Union. My application was reviewed at the local branch level, and I was told everything looked good. The file was then sent to headquarters for underwriting. 

The loan was denied, but I have received different explanations each time I ask why. Most recently, I was told they require my XXXX tax returns, even though those returns are not yet due and can not legally be filed until after XX/XX/XXXX. 

I am self-employed and provided all currently available financial documentation. The shifting reasons for denial and the request for tax returns that do not yet exist raise serious concerns about inconsistent underwriting and possible discrimination. 

I am requesting : A formal written Adverse Action Notice The specific underwriting reason for denial Confirmation of whether XXXX tax returns are being required of all refinance applicants or only in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I received an Email from Sofi Bank stating that as of XX/XX/XXXX there would now be a 10 monthly fee ( XXXX per year ) to keep my account open. 

On or about XX/XX/XXXX, I called to complain that this was not fair and wanted a review as to why this happened. I explained I was/have been in good standing on the account and had an Excellent credit rating. I was told they would file the complaint and would get back to me. 

On XX/XX/XXXX I received a response from the problem resolution team XXXX stating there was nothing they could do to remove the monthly fee and that it was not an across the board fee to every customer only " Certain '' customers and that I could cancel/close the account XXXX XX/XX/XXXX Today XX/XX/XXXX I called XXXX from the Problem resolution department Her Exact words were there is nothing I could do about the new charge/fee.

I asked, " why is it that I was placed in the group of individuals that are now being charged " her Exact Response was " I have no response to that question '' I once again explained closing an account would hurt my credit report by closing the account that I have worked very hard to maintain that " excellent " and once again no response!

I Closed the account and it really did upset me!

This should be SOOOO against the Law/Rules.

PLEASE help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2026-02-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Wave Financial USA Inc.
State: TX

Complaint narrative:
Wave XXXX has decided not to pay me after taking the money from my customer. If they had a concern about the transaction, they should have declined it entirely. This is clearly a tactic designed to steal and hold funds and then hide behind " for your safety '' policies. There is no phone number, the chat service actively refused to help me, and nobody answers email. They just took the money and are holding it.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
My vehicle ( XXXX XXXX ) was stolen due to the widely known XXXX theft vulnerability. 
I completed the insurance claim process and the vehicle was declared a total loss. 
XXXX XXXX is now contacting me to collect a {$1000.00} deductible balance. 
I requested a reduced settlement due to financial hardship, and I was only offered {$700.00}. 
I am requesting a full review of my account, a written explanation of the balance being collected, and consideration for a lower hardship settlement or payment arrangement. 
I also request that all communication be documented in writing.

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 2026-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forsythe Finance, LLC
State: IN

Complaint narrative:
I took out loan in XXXX. {$3000.00} i paid {$1000.00} but it didnt touch interest. I quit paying. The total amount with interst was XXXX. Now with interest they are sewing me thru court. {$540000.00}. I will pay the {$3000.00} plus reasonable interest. But I cant pay thst or {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy and validity of the account being reported by I C Systems, Account XXXX I have not received sufficient validation proving that : The debt is accurate. 
The amount claimed is correct. 
The company has legal authority to collect. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt collector must provide proper validation before continuing collection activity or reporting to credit bureaus. 
Reporting an unverified debt is a violation of federal law. 
I am requesting : Full validation of the alleged debt, including the original contract and complete payment history. 

Proof of legal assignment or ownership.

Immediate deletion from all credit bureaus if validation can not be provided.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX XXXX on XX/XX/year>. XXXX later issued a damage claim totaling {$1100.00}, which included {$870.00} for repairs, {$25.00} appraisal cost, and {$210.00} labeled as Diminution of Value.. Despite repeated requests via email back-and-forth, this was not provided. 

I do not dispute the repair and appraisal costs. In good faith, I paid {$890.00} via certified mail on XX/XX/year> for those undisputed amounts. 

However, I formally disputed the {$210.00} Diminution of Value ( DV ) charge because it is not authorized or defined in the rental agreement. I requested contractual support and valuation documentation in writing and asked that all communication be sent by postal mail. I received no documentation or written response.

Despite this, the {$210.00} disputed amount was placed with Summit A * R and reported to credit bureaus as an unpaid collection account. I was not properly notified by mail of the assignment to collections ( which was my formal request for future correspondence during payment of the remaining amount ) and only became aware after seeing it on my credit report.

This remaining balance represents a disputed and unsupported DV charge. I request deletion of the collection account unless clear contractual authority and valuation documentation are provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Perpay, Inc.
State: OR

Complaint narrative:
I am disputing a balance with Perpay due to repeated unauthorized billing errors. On two separate occasions, Perpay overcharged me for extended warranties. I explicitly authorized one warranty for my purchase ; however, Perpay charged me for five. Despite reaching out to their customer success team to correct this logical error and refund the unauthorized surplus, they refused to adjust the balance. I have ceased payments because the company is attempting to collect on funds for services I did not authorize and they refuse to correct. I am requesting that the account be settled as 'Paid in Full ' and any negative reporting to credit bureaus be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This letter serves as a formal demand that you immediately cease and desist all communication and collection activity regarding the above-referenced account. 

Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all telephone calls to me, including calls to my home, workplace, or mobile phone. 

Cease any further written communication except as permitted by law. 

Immediately cease reporting this account to any credit reporting agencies if the information is inaccurate, incomplete, or can not be validated. 

Remove any negative reporting associated with this account if you are unable to provide proper validation as required by law. 

If you believe this debt is valid, you are required to provide proper validation, including : The original creditors name and address The original account number A copy of any signed agreement A full accounting of the amount claimed If you can not provide this documentation, you must immediately cease collection efforts and notify any credit reporting agencies to which you have reported this account to delete the tradeline. 

Be advised that any continued collection efforts without proper validation, or failure to correct inaccurate reporting, may constitute violations of federal law and may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter is not an acknowledgment of liability for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am submitting this update to my complaint filed on XX/XX/2025 regarding Bridgecrest Acceptance Corporation. 

After submitting my written dispute and documentation request, I received a telephone call stating that my account is under review. However, I have not received a written response addressing my concerns or providing the requested loan documentation. 

My dispute remains unresolved and includes concerns about : Delivery and accuracy of the retail installment contract Accuracy of APR and finance charge disclosures Interest allocation and servicing practices Potential misrepresentation of loan terms I am requesting that this complaint remain open and be escalated if Bridgecrest does not provide a written response addressing these issues. 

I am seeking either documentation validating the loan or a resolution that includes settlement, restructuring, or voluntary surrender without deficiency. 

Thank you for your continued review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DE

Complaint narrative:
I am filing a complaint regarding two private student signature loans originally issued by XXXX XXXX XXXX XXXX and currently serviced by MOHELA. 
Loan XXXX ( Account XXXX ) : Original loan amount : {$2000.00} Payments made since : XXXX  Total paid to date : {$5800.00} Current interest rate : 13.250 % ( variable ) Loan XXXX ( Account XXXX ) : Original loan amount : {$1600.00} Payments made since : XXXX  Total paid to date : {$6300.00} Current interest rate : 16.625 % ( variable ) Despite paying a combined total of {$12000.00} toward these two loans which is more than double the combined original principal of {$3600.00} the balances have not been resolved. The majority of my payments have been applied to interest rather than principal, and the remaining balances do not reflect the amount I have already paid. 
I have been making consistent payments for nearly a decade, yet the loans have not meaningfully decreased. The interest rates are extremely high and variable, and the way payments are being applied makes it mathematically impossible to pay off the loans, even though I have already paid far more than the original amounts borrowed. 
I believe the balances are inaccurate or unfairly inflated due to the lenders interest application practices. I am requesting a full review of both accounts and an explanation of how payments have been applied over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I obtained a {$3000.00} personal loan through Upgrade. Only {$2000.00} was disbursed to me. The remaining {$1000.00} was supposed to be transferred directly to my creditor but has never been received. 

This issue has been ongoing since XXXX. I have contacted Upgrade multiple times ( at least eight calls ). They have been unable to confirm whether the payment was successfully sent and can not provide confirmation of disbursement. 

I was recently told they are still investigating and assigned a case reference number ( # XXXX ), but I continue to receive delays without resolution. 

I am concerned that I may be paying interest on funds that were never properly disbursed. 

I am requesting immediate investigation and correction, including proof of transfer or reissue of the missing funds. 
Upgrade applied a temporary {$1000.00} credit to my account and waived interest in XXXX, indicating acknowledgment of an issue ; however, the missing payment remains unresolved and autopay is still scheduled.

Company response to consumer: Closed with explanation