vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Complaint : I am filing a complaint regarding overdraft fees and account handling following a preventable and documented error. On XX/XX/year>, a charge of {$52.00} from XXXX XXXX was processed from my account earlier than authorized. I had communicated with the merchant in advance to move the payment date to XX/XX/XXXX due to the timing of my Social Security income. The merchant confirmed in writing that the charge would be processed on XX/XX/XXXX. Despite this, the charge was processed on XX/XX/XXXX. This early charge caused my account to become overdrawn. As a result, additional pending transactions are now expected to trigger multiple overdraft and returned payment fees, creating a cascading financial impact from a single unauthorized early withdrawal. I immediately contacted Bank of America and clearly explained : The charge was processed earlier than authorized I have written proof confirming the agreed later date The early charge would cause multiple additional fees Despite this, Bank of America refused to : Reverse any overdraft fees Prevent additional fees from pending transactions Provide any temporary credit or assistance No meaningful effort was made to mitigate the situation, even after being informed that this would cause a chain of additional fees. This situation was not caused by repeated overspending. It was caused by a merchant processing a payment earlier than agreed, which I took steps in advance to prevent. I am on a fixed Social Security income, and these fees create immediate financial hardship. I am requesting that Bank of America : 1. Reverse all overdraft fees related to this incident 2. Refund any additional fees caused by pending transactions tied to this event 3. Provide appropriate remediation given that this resulted from an early, unauthorized charge and was reported immediately I am seeking a fair resolution to prevent further financial harm from this single, preventable event.

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Shellpoints XX/XX/year> response to my prior CFPB complaint was non-responsive and introduced new unsupported eligibility rules rather than providing the requested authority and reconciliation. Shellpoint again refused to identify any XXXX XXXX guideline, regulation, or servicing rule supporting its position that ( 1 ) this XXXX XXXX loan is not eligible for payment deferral and ( 2 ) a confirmed Successor in Interest must formally assume the loan before being considered for deferral. Instead, Shellpoint expressly declined to provide the guidelines while continuing to rely on them. Shellpoint also failed to provide a true reconciliation of the alleged delinquency. A transaction history is not a reconciliation. The response still does not explain how the servicer calculated delinquency across the forbearance period, how returned and unapplied payments were treated, or how servicing transfer issues, restricted insurance escrow, loss draft delays, and inspection delays affected the account. Shellpoints response also conflicts with its own prior communications, which repeatedly identified deferment as a post-forbearance option. This is a new complaint about Shellpoints deficient CFPB response itself, its refusal to provide governing authority, and its continued failure to provide a compliant and substantive response to my Notice of Error and Requests for Information.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All of my info was lost in a data breach. Bank info, id info, addresses, phone number, geolocation, almost everything you can think of

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
Ever since I signed up for my account and transferred funds of XXXX, eTrade from Morgan Stanley denied my access to the account. I have contacted their customer service at least four times to upload the required documentation twice. Every time they promised me that I could be granted access, but I got nothing. I have over XXXX with interest held XXXX by this bank for which I have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XXXX XX/XX/year> CARE CREDIT synchrony closed all my accounts stating high risk. My PayPal credit, care credit, lowes card and Sams Club card were all closed. I have reached out to all companies. I owed nothing on any credit cards. I have XXXX credit scores with all 3 credit bureaus and have income over XXXX. I have had the cards for nearly 10 years and never had a late payment. I owed nothing nothing on any other credit cards and have no other debt. I am requesting a dispute of my XXXX card closure. I have had it 10 years and am nearly XXXX old. Reopening cards that were fraudulently closed will hurt my credit score and is wrong.

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 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved out of the apartment on XX/XX/year>. The apartment retained my {$600.00} security deposit and later issued a move-out statement showing a remaining balance of {$1000.00}. However, National Credit Systems is reporting a balance of {$1100.00} to the credit bureaus. I disputed this account with the credit bureaus because the amount being reported does not match the landlords own move-out statement, and the balance is based on disputed carpet damage charges that fail to reflect proper depreciation or proof of damage beyond normal wear and tear. I also requested that the account be validated and supported with documentation, including the lease, move-in and move-out inspection reports, carpet installation date, depreciation calculation, invoices, and proof of assignment. Despite this, the account was marked as verified. This debt remains on my credit report even though the reported balance is inconsistent and supporting documentation has not been provided. I believe this account is being reported inaccurately in violation of the Fair Credit Reporting Act, which requires maximum possible accuracy and a reasonable investigation of disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XXXX XXXX, the collection company Aldous & Associates P.L.L.C. called my cell number, claiming to collect {$240.00} for a previous rental landlord company, the XXXX XXXX. Later, it sent me a non-reply email to include a payment link. I sent an email to my previous landlord, the XXXX XXXX, and they checked my records and found no balance due at all. After the email with the XXXX XXXX, I called the collection company Aldous & Associates P.L.L.C.. The collection company insisted on the payment and refused to give me an email address to send my request for the debt in dispute and ask for the original copy of the bill, and they refused to send the copy of the bill to my residential address either. They threatened me to submit this record to influence my debt records, though I contacted them through a phone call that informed them this debt was in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I have been in repayment on my federal student loans since approximately XXXX and was previously enrolled in an XXXX XXXX XXXX XXXX XXXX plan. I am currently enrolled in an XXXX XXXX ( XXXX ) plan. On XX/XX/XXXX and XX/XX/XXXX, I was informed by representatives that I had approximately XXXX qualifying payments toward XXXX forgiveness. This information was documented in my account notes. On XX/XX/XXXX, I contacted XXXX XXXX XXXX and spoke with a representative who reviewed my account and confirmed that the XX/XX/XXXX notation stating approximately 306 qualifying payments is documented in my file. I was provided case number XXXX for this interaction. However, when I contacted my loan servicer ( MOHELA ), I was told they have no access to my qualifying payment count and that they never have that information. I was directed back to Federal Student Aid. During my call on XX/XX/XXXX, I was informed that the IDR payment count system is currently XXXX and that they are unable to provide or confirm my current qualifying payment count, despite confirming the prior documented count in my account. As a result, I am unable to confirm whether I qualify for loan forgiveness despite previously being told I had over 300 qualifying payments. No action has been taken to process my account for forgiveness or payment suspension. I have made multiple attempts to resolve this issue and have been directed back and forth between MOHELA and Federal Student Aid without resolution. I am requesting confirmation of my qualifying payment count, a review of my eligibility for immediate loan forgiveness, and an explanation for why my account has not been updated despite prior confirmation

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my recent claim and the lack of communication from your team About disputing a charge from XXXX XXXX art for XXXX. I submitted a claim in good faith and expected a thorough and fair review of my account. Instead, the claim was closed without proper investigation or review of the relevant account activity. This is extremely concerning and does not reflect the level of service I expect. Additionally, my attempts to communicate through messages have gone unanswered. The lack of response, combined with the premature closure of my claim, demonstrates a failure in both customer service and claims processing. I am requesting the following : Immediate reopening and full review of my claim, including a detailed examination of my account activity A clear explanation of why the claim was closed without proper review A response to my prior messages that have gone unanswered Assurance that proper procedures will be followed moving forward Please treat this matter with urgency. I expect a prompt response and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I recently reviewed my credit file and found inaccurate, incomplete, and unverifiable items that I request be investigated and removed in accordance with my rights under the Fair Credit Act. I dispute the following accounts as inaccurate and/or unverifiable. Please provide validation or remove them from my credit report : Midland Credit ManagementBalance : XXXX XXXXXXXXReported : XX/XX/2026 XXXX XXXX XXXXBalance : XXXX XXXXReported : XX/XX/2026 These accounts do not contain sufficient information to confirm their accuracy, including missing original creditor details. Under the FCRA, you are required to verify that this information is complete and accurate. If you can not verify this information, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) for willful deception and bad-faith reporting to the CFPB. FACTUAL EVIDENCE : XXXX. XXXX attorney XXXX XXXX has appeared in multiple XXXX hearings for Case XXXX where I appeared XXXX XXXXXXXX. XXXX has actual knowledge that I am self-represented. 2. I am attaching the Court Order ( Form MC 15a ) and Judgment Civil, which officially list " NONE '' for the Defendant 's attorney. Despite this, XXXX reported to the CFPB that they provided debt validation to a " representative. '' LEGAL VIOLATIONS : XXXX is using a " ghost representative '' as a deceptive tactic to withhold mandatory debt validation from me, the actual consumer, violating 15 U.S.C. 1692e ( 10 ) and 1692g. I demand that XXXX provide a full itemized accounting of the {$18000.00} balance directly to my home address and cease all collection efforts until they comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I had unauthorized transactions occur on my debit card while I was traveling in XX/XX/XXXX. Often times the credit union will stop transactions if they are from out of state but in this occurrence their fraud protection failed me. I caught the fraud while I was reconciling my account in XXXX and filed a fraud report with the San Diego County credit union. They issued me the credit for the fraud and then sent a denial letter to me in XX/XX/XXXX. I filed the fraud report the moment I discovered the issue and they are saying that I didn't report within 60 days so they will not investigate. The fraud was someone using my debit card paying a synchrony loan and t-mobile prepaid card in the amount of {$5200.00}. The credit union won't let me appeal their decision and won't provide me with assistance of what to do. I can not afford to lose {$5200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I have attached the letter explaining what happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: OH

Complaint narrative:
Heres a clear, professional complaint description you can use for your CFPB submission. You can copy/paste and adjust dates or details if needed : -- - * * Complaint Description : * * I am filing a complaint regarding a debt collection account being reported and pursued by TrueAccord on behalf of XXXX. On XX/XX/year>, I formally requested debt validation and verification from TrueAccord, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation proving that the debt is valid, that I am the correct debtor, and that TrueAccord has the authority to collect on behalf of XXXX. In response, I received a communication stating that collection efforts would be paused. However, as of today, I have not received any documentation or evidence verifying the debt. Despite failing to provide proper validation, the account continues to negatively impact my credit report and/or remains in collections status. This is concerning because debt collectors are required to provide verification of a debt upon request before continuing collection activities. I am requesting that : 1. TrueAccord provide proper validation of the alleged debt, including documentation supporting the amount owed and their authority to collect ; or 2. The account be removed from my credit report and collection efforts be permanently ceased if verification can not be provided. This situation has caused me distress and concern regarding the accuracy and fairness of my credit reporting. I am seeking resolution and enforcement of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Ths is the letter I have sent them : Formal Dispute of Unauthorized Charges and Account Status Date : XX/XX/XXXX To : Concora Credit XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Unauthorized Charges and Account Closure Confirmation Indigo Mastercard Account Number ending in XXXX and any other account associated with me. To Whom It May Concern, I am writing to formally dispute unauthorized charges and the inaccurate reporting of the status of the two accounts referenced above. In early XXXX, I explicitly requested that both of these accounts be closed. Despite this request, and despite multiple verbal assurances from your representatives that the accounts were closed with a {$0.00} balance, I have continued to receive correspondence claiming that one or both accounts remain active and carry a balance. Specifically, I am disputing a charge of {$37.00} from XX/XX/XXXX and any subsequent service or maintenance fees. These charges are fraudulent and unauthorized. I have not used either of these cards for over a year, and neither should have been capable of accepting charges as they were ordered closed in XXXX. During a phone conversation today, XX/XX/XXXX, I was once again assured by a representative that both accounts now carry a XXXX balance and are closed. However, given the contradictory letters I have received and the suggestions made by your staff regarding my credit report, I require written validation of the following : Written confirmation that both accounts are closed for good and were closed at my request. Written confirmation that the current balance for both accounts is {$0.00}. Removal and reversal of the fraudulent XX/XX/XXXX purchase and any associated service fees. XXXX that no negative information regarding these disputed unauthorized charges will be reported to any credit reporting agencies ( Experian, Equifax, or TransUnion ). I am currently in the process of securing home financing. Any inaccurate reporting of these disputed, fraudulent charges to credit bureaus will be viewed as a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). As there have been at least four attempts by me to close these accounts ove the pst two years, each time resulting in their verbal assurance that there are no account balances and both accounts are closed and they do not provide an email address that I can direct communication to, I am reporting this to CFPB in addition to sending them a written letter, that I have little faith they will acknowledge based on the history of my communication with them.

Company response to consumer: Closed with explanation