vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Truists actions constitute an unfair and deceptive act or practice in violation of federal consumer protection standards. I opened the account on XX/XX/XXXX in good faith, successfully funded it, and set up direct deposit specifically to meet the requirements of a publicly advertised promotional bonus. No debit card had been received or used, and there was no suspicious activity or consumer-initiated conduct that could reasonably support a fraud allegation. 
Despite this, Truist issued two letters dated XXXX XXXX alleging a fraud investigation and another confirming immediate account closurewithout prior notice, meaningful investigation, factual explanation, or opportunity to cure. Truist has refused to provide any substantiation, appeal process, or specific reason for the closure ( according to Fraud Operations Team Supervisor XXXX XXXX ). The timing and lack of transparency strongly suggest the fraud designation was pretextual rather than based on legitimate risk assessment. 
As a direct result, I have suffered financial harm and material inconvenience, including delayed access to my funds ( now being refunded by mail ), disruption to my employers direct deposit, and loss of the promotional benefit that induced me to open the account. Closing newly opened accounts under an unsubstantiated fraud labelparticularly where promotional incentives are involveddeprives consumers of expected benefits and avoids contractual obligations, which is inherently unfair and misleading.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This letter is to formally notify you that I am demanding you cease and desist all communication with me immediately regarding any alleged debt or account you claim to be associated with my name. 

I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). As of receipt of this notice, you are no longer authorized to contact me by phone, voicemail, text message, email, mail, or through any third party. This includes any attempt to collect, discuss, or otherwise communicate about an alleged balance. 

If you believe you have a legitimate claim, your only responsibility at this point is to ensure that any information you are reporting is accurate, verifiable, and compliant with federal law. Continuing to contact me or continuing to report inaccurate, disputed, or unverified information after receiving this notice will be considered a knowing violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding late fees and interest charged after an AutoPay payment failed on my Comenity Bank XXXX XXXX XXXX credit card account. 

AutoPay was active and the payment account was accepted and stored by Comenity. I was not notified that the account was ineligible for ACH withdrawals, nor was I warned that AutoPay would be unenrolled prior to the payment due date. As a result, the scheduled AutoPay payment on XX/XX/XXXX was returned. 

Once I became aware of the issue, I made a manual payment promptly on XX/XX/XXXX. There was no intent to miss the payment, and the failure was due to an undisclosed account eligibility limitation rather than insufficient funds or customer neglect. 

I contacted Comenity multiple times seeking clarification regarding which institution identified the account as a non-transaction account and the ACH return code used. These questions were not answered. I also requested removal of the late fee and associated interest as a one-time courtesy. By phone, I was told only a partial credit of up to {$50.00} could be applied, which does not fully address the charges caused by the AutoPay failure. 

I submitted a written billing dispute through Comenitys secure messaging system and did not receive a response.

I am requesting full reversal of the late fee and interest assessed as a result of this AutoPay failure, which occurred despite good-faith reliance on AutoPay and prompt corrective action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Based on my reqard status i receive free parking at affiliated hotel location. 
On XX/XX/year> i purchased 4 tickets to a show at XXXX XXXX XXXXXXXX. Showed up with family members who were checking in to XXXX, pulled in parking garage attendant swiped my card as i explained what i was there for, stated i wouldn't be charged but i received a {$45.00} charge for parking. Disputed with card company and they just continue to automatically close dispute. I reaquested a supervisor, one called back and stated he would re-open dispute. Never did. I re-re-opened the dispute on App again, it was automatically closed again. Called requested a supervisor and steps taken to investigate, did not receive either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account balance of Bank of America on XX/XX/XXXX was {$2000.00}. My phone number and mutiple bank accounts including BOA ( Bank of America ) account got compromised when I was in other country from XX/XX/XXXX to XX/XX/XXXX. 
There was a total of {$8500.00} ( {$2000.00} was transferred from my other bank account by the theft ) deposited to my BOA checking account from XX/XX/XXXX to XX/XX/XXXX XXXX by the theft, and a total of {$12000.00} ( including {$2700.00} on hold due to unsufficient balance ) unauthorized outgoing transaction made from XX/XX/XXXX to XX/XX/XXXX XXXX. My account balance became - {$1400.00} on XX/XX/XXXX. A total of {$4000.00} was stolen. 

As soon as I came back to America, I realized the lost. I called and went to Bank of America on XX/XX/XXXX to report the situation and try to claim the amount lost. The BOA closed my account and evaluated my claim. I received XXXX mails from BOA on XX/XX/XXXX and XX/XX/XXXX, and was told that BOA is unable to approve my claim, because my account was overdrawn by the theft.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: IL

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I made every monthly payment on my auto loan on time. 
My bank statements ( Exhibits XXXX and XXXX ) show continuous payments ranging from {$490.00} to {$590.00}, with no missed, returned, or reversed payments. 

Despite this, the servicer repeatedly delayed posting these payments by 1140 days, split full payments into artificial partial amounts, and applied only small portions toward principal and interest. These practices created false delinquency, improper late fees, and an inflated past due balance. 

Key Events XX/XX/XXXX XX/XX/XXXX : Payments were made on time each month ( Exhibits XXXX, XXXX ). 

Throughout XXXX : The servicer routinely posted payments weeks late, split payments into fragments ( e.g., {$100.00} / {$390.00} or {$200.00} / {$290.00} ), and assessed late fees even when payments were made before the due date. 

XX/XX/XXXX : I requested a full loan accounting by phone and email. The company refused, telling me to add it up yourself ( Exhibits XXXX, XXXX, XXXX XXXX XXXX ). 

XX/XX/XXXX : The company issued a Notice of Default based entirely on delinquency created by its own delayed posting and payment-splitting practices ( Exhibit H ). 

XX/XX/XXXX : I sent a formal written dispute and records request. My email bounced because the company uses a non-functional email address for delinquency notices ( Exhibit B ). 

XX/XX/XXXX : I also sent the dispute by XXXX ( Exhibits A, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

XX/XX/XXXX : The very next day, my payment was posted immediately, was not split, and no late fee was chargeddemonstrating that the company was capable of proper servicing but failed to do so until formally confronted ( Exhibit XXXX ). 

Additional Issues The online account portal displayed a Current status during the same period the company later claimed delinquency ( Exhibit D ). 

The company provided no periodic statements during the life of the loan ( Exhibit G ). 

Credit reporting reflects an incorrect loan term and false 30- and 60-day late marks ( Exhibits XXXX, XXXX, XXXX ). 

The company has never provided a payment ledger, amortization schedule, or fee breakdown, despite multiple written requests. 

The evidence demonstrates that the alleged delinquency and default were manufactured by the servicers own practicesnot by any failure to pay. 

I respectfully request that the CFPB investigate the companys loan servicing practices, credit reporting, and handling of consumer disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am being pursued by FCO Collections for an apartment lease that ended on XX/XX/XXXX. I vacated the apartment and returned the keys on XXXX XX/XX/XXXX. I did not reside in the unit beyond the lease end date, did not sign a renewal, and did not pay rent after XXXX. 


XXXX is claiming I moved out in XX/XX/XXXX and is attempting to collect 5 months of rent without providing any proof of continued occupancy or a lease extension. They have also reported this to my credit report while the debt is disputed. I also have a proof of lease from a different apartment starting XX/XX/XXXX. Also, attached the communication between the landlord and myself disputing the debt and occupancy. 

They have not provided proper validation as required by the FDCPA and have violated the FCRA by reporting disputed, unverified information. I request the CFPBs assistance in forcing removal of this false collection from my credit report.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
On Sunday, XX/XX/XXXX @ XXXX a transfer was made in my account for {$930.00} and then another one at XXXX for XXXX that I did not authorize, a message was sent to me via text message saying they was chime saying did I approve XXXX at XXXX XXXX responded back with " No '', within minutes Chime called me saying that they needed to secure my account from any other transaction happening, they said that new cards will be sent that my account are frozen, after i got off work i checked my account to find these transactions made that i did not approve, I filed a dispute with chime, i uploaded proof that showed that i do not own that email it was sent to, sent proof that i recieved that text message, show proof of them calling me but they deny doing so i have disputed it 3 times now going on the XXXX time just for them to keep denying my dispute, now they are saying i sent that to a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Sofi closed my account because I had a negative balance for 57 days. 
This is a false statement. 

My account balance was negative because of a dispute that should had been closed in my favor. 

I filed a dispute the dispute ID is XXXX Merchant Name : XXXX Transaction Date : XX/XX/year> Total Amount : {$2900.00} Disputed Amount : {$2900.00} The merchant cancelled my order and agree to issue me a refund. I contact Sofi support and filed a dispute. I was award a provincial credit XXXX and provide the dispute processing team the emails and chat messages from XXXX customer service showing that the merchant cancelled the order. 
And agreed to refund me. 

Sofi closed the dispute and denied my claim.

1. ) The Merchant cancelled the order 2. ) I never received my order 3. ) I have documented proof the merchant agreed to refund me but never did 4. ) I appeal the denial with Sofi and was told my account would be safe during the appeal process Sofi dispute team handle my dispute incorrectly and because of that I am no longer a sofi customer this is not right because I didn't do anything wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am asserting my rights under the Servicemembers Civil Relief Act ( SCRA ).

The SCRA limits interest on covered obligations to no more than 6 % per year during qualifying periods of military service and prohibits related fees and penalties that exceed what would be allowed under the capped rate.

I notified the creditor of my qualifying military service and requested application of SCRA protections to my account. Despite receiving notice, the creditor continued to : Charge interest in excess of the SCRA-mandated 6 % cap Assess late fees and/or penalty charges tied to the excess interest Fail to retroactively adjust the account as required by law The obligation at issue was incurred prior to my qualifying military service, making it a covered obligation under the SCRA.

Under the SCRA : Interest on covered obligations must be capped at 6 % during qualifying service Interest includes late fees, service charges, renewal fees, and other penalties Excess interest and fees must be forgiven, not deferred Once proper notice is provided, creditors must retroactively correct the account The creditor failed to properly apply these requirements and did not provide documentation showing lawful compliance with SCRA standards.

As a result of this failure : I was charged interest and fees that are prohibited by federal law My account balance was improperly increased I experienced financial harm and administrative burden My statutory protections as a servicemember were not honored

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 2026-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been on my TransUnion credit report for a long time and I wish to have it removed from my TransUnion credit report

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 2026-01-22 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a credit card purchase from XXXX for a product that was later confirmed to be unavailable and on indefinite backorder. The merchant acknowledged they could not fulfill the order, confirmed cancellation, and stated a refund would be issued. 

I formally disputed the charge with my bank, BMO, on XX/XX/year>, due to non-delivery and failure to refund. I provided extensive documentation showing the item was never shipped, the order was canceled by the merchant, and no refund was issued.

BMO bank issued a provisional credit but has not provided any meaningful status update or final resolution despite more than 45 days having passed. When I requested escalation, I was advised that escalation was not available. I have not been informed whether the merchant responded to the chargeback or when the dispute will be finalized.

I am requesting that BMO comply with card network dispute timelines, provide a written status update, and make the provisional credit permanent given the clear non-delivery and failure to refund.

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 2026-01-22 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hope this finds you well. On XX/XX/XXXX I applied for American Express XXXX XXXX online as they were running a sign up bonus of XXXX points upon spending $ XXXX first 6 months. I signed up, gave me a reference number and the website crashed before completion. luckily I took a picture of the reference number, and called in to customer service. Agent said if I provide the reference number, she can proceed to complete the application, I said before you proceed, can you confirm with me that the sign up bonus is still valid, she said yes, I said go ahead. I completed the spending, checked and realized I did not receive the sign up bonus, I asked customer service, they insisted I was told online I will not get the bonus. I asked that they listen to the phone call between me and the agent, on XX/XX/XXXX, phone number I called from is XXXX, they told me to follow up in 5 days. I followed up, they gave me a result of a phone call from XXXX regarding another credit card. I said this is not correct, please open another investigation, agent was ignorant and repeatedly told me the result of the phone call from XXXX regarding another credit card. I am tired to repeating myself to agents that dont listen, and would like your help in intervening to have them listen to the correct phone call, as I have no interest in this service if not for this sign up bonus that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am reporting a fraudulent account with Kimball Tirey & St. John for {$17000.00} that was opened in my name without my authorization. I never signed any lease, agreement, or contract related to this account, and I do not owe this debt. 
On XX/XX/2025, I received communication from the collection company attempting to collect this alleged debt. I sent a written dispute and verification request, demanding proof of the debt and a copy of the original signed contract. I also included documentation showing this account was fraudulently opened, including an FTC Identity Theft Report and, if applicable, a police report.

The company has not provided verification or responded to my dispute, and the account continues to appear on my credit reports, negatively affecting my credit. I request that CFPB ensure the account is investigated as identity theft and that the account be permanently removed from all credit reporting agencies, as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Notified via XXXX that i was 30+ days late. They told me they cancelled my autopay/bill pay due to inactivity but are unable to provide copy of the notice that my autopay was cancelled. I repeatedly asked for notification as to when they alerted me to this cancellation and they were unable to provide this. In order to file a formal complaint they asked me for they specific date that I set up autopay, though as this account is over XXXX XXXX XXXX I do not have access to the exact date that my autopay was set up. That said, in over XXXX XXXX  I have never missed a payment. I settled the outstanding balance the day it was due. All I am requesting is the late on my credit be removed and any late fees be waived due to the fact that it was the financial institution that decided to cancel my autopay.

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