vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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 am submitting two formal complaints regarding my account with Truist Bank. 

First Complaint Debit XXXX XXXX Dispute that happened on XX/XX/year> in the amount of {$1000.00} There was fraudulent activity on my debit card. I reported this transaction as fraudulent and clearly explained that I did not authorize or make this purchase. Despite my report, truist Bank still paid the merchant and later informed me that they determined it was not fraudulent. This is incorrect. I did not make this transaction, and I do not agree with their decision. As a result, over {$1000.00} has been taken from my account for a transaction I did not authorize. 

Second Complaint XXXX and Phone Number Blocked Truist Bank also removed and blocked my phone number from XXXX, claiming there was fraudulent activity associated with my number. However, they have not been able to explain what fraudulent activity occurred or provide any details. I am a XXXX  I do XXXX, and many of my customers pay me through XXXX using my phone number. Blocking my number has directly affected my ability to receive payments and has negatively impacted my business. 

Truist Bank has not provided clear explanations for their actions, and they are not taking my statements seriously. It feels like my word is being dismissed without proper investigation. Their actions have caused financial harm to my business by me not about to use my number to receive XXXX I am requesting a full investigation, a detailed explanation of the alleged fraudulent activity, restoration of my XXXX access with my phone number, and reimbursement of the funds taken from my account for the unauthorized transaction. 

Thank you for your prompt attention to this matter.

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting my name numerous times in many different, unauthorized variations on my credit file. The volume of incorrect names demonstrates a clear lack of basic accuracy controls and is grossly incompetent for a national credit reporting agency. 

My only legal name is XXXX XXXX. Any other name appearing on my credit report is inaccurate and unauthorized. The presence of so many incorrect identifiers has caused confusion, increased the risk of mixed files, and negatively affected my ability to manage, dispute, and resolve credit issues. 

When attempting to correct these name inaccuracies, Experian does not provide a functional online process and instead requires consumers to call. However, when calling, Experian blocks access to a live representative unless a paid membership is purchased. As a result, I am effectively unable to correct inaccurate personal identifying information without paying. 

Requiring payment to fix errors that Experian created is unreasonable, coercive, and undermines the free dispute rights guaranteed under the Fair Credit Reporting Act. Experians dispute process appears designed to discourage correction of inaccuracies while monetizing access to assistance. 


A credit bureau reporting this many incorrect versions of a consumers name raises serious concerns about systemic data integrity failures.

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 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
I was reassured more than once by a representative named XXXX, of Gurstel Law, in XXXX of XXXX  that the debt repayment amount was XXXX, but it is in fact over XXXX which was the original amount. Her contact number is no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I am submitting this complaint regarding serious escrow servicing errors by PennyMac Loan Services , LLC . 

I maintained valid homeowners insurance coverage with XXXX XXXX at all relevant times. My policy was active from XX/XX/XXXX through XX/XX/XXXX. Prior to any alleged lapse in coverage, I sent multiple written notices to PennyMac explaining that the issue was not lack of insurance, but PennyMacs failure to disburse insurance premiums from my escrow account for XXXX and XX/XX/XXXX. 

Despite having sufficient escrow funds and receiving prior written notice, PennyMac failed to make the required escrow disbursements. Instead of correcting the servicing error, PennyMac unilaterally imposed lender placed insurance ( force-placed insurance ), which was unnecessary and improper. 

PennyMac disbursed approximately {$3800.00} from my escrow account to purchase this lender placed insurance, which artificially depleted my escrow account, created an escrow shortage, and increased my monthly payment. This depletion was caused solely by PennyMacs servicing error, not by any action or omission on my part. 

A PennyMac representative later acknowledged the servicing error and advised that a refund check in the approximate amount of {$740.00} would be issued to me. To date, no such refund has been received, and no written confirmation has been provided. 

Additionally, PennyMacs MyPennyMac online system does not function properly. Messages sent through the system go unanswered, I can not reliably access my account online, and representatives often state they can not locate my property by address or loan number. These system failures directly interfered with my ability to resolve the issue in a timely manner. 

PennyMac has also failed to clearly identify the insurance carrier, policy number, and proof of payment related to the lender placed insurance purchased with my escrow funds. 

I submitted a Qualified Written Request ( QWR ) under RESPA requesting correction of these servicing errors, reimbursement of improperly charged amounts, full correction of my escrow account, and issuance of the previously promised refund. The matter remains unresolved. 

I am requesting CFPB assistance to require PennyMac to correct my escrow account, reimburse improperly used escrow funds, issue the previously acknowledged refund, and ensure proper servicing going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I sent money {$1000.00} to a fraudulent account ( unknowingly. I reported to the police once I realized and the police did an investigation and came to the conclusion that it was fraud. I disputed the transaction and submitted the certified police report, but I was denied! Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/year>, I contacted Chase regarding my Chase Southwest credit card account, which was in good standing with on-time payments and a low balance. Without prior warning or adverse activity on my account, Chase had previously reduced my credit limit. 

When I contacted Chase, I was informed that the reduced credit limit placed my account below the threshold required to downgrade or product-change the card to a no-annual-fee option. I was told I was required to remain within the XXXX card family, which I did not want to do. 

I was further told that only a portion of the existing credit limit could be transferred to another Chase card, and that {$500.00} of the limit had to remain unused in order to close the account. 

Because Chase would not allow a downgrade and required me to continue paying an annual fee for a product I could not change, I chose to close the account. When I asked about a refund of the unused portion of the annual fee, Chase refused, citing a policy that no refund is available after XXXX days, despite the material change in account terms and restrictions placed on my options following the credit limit reduction. 

I believe this sequence of actions- reducing the credit limit, using that reduction to prevent a downgrade, limiting credit line transferability, and denying any refund of the annual fee- constitutes an unfair and coercive practice that effectively traps consumers in fee-based products after unilateral changes by the issuer. 

I am requesting that Chase review this matter and provide a fair resolution, including reconsideration of the annual fee charged under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: VA

Complaint narrative:
b'I filed a complaint about this problem on XXXX  (Complaint ID# XXXX). They responded and the response said that the late fees were incorrectly assessed and it will reflect on my XXXX XXXX. When I finally received the XXXX XXXX  statement on XXXX it show that I am supposedly one month behind and a late fee of XXXX was applied. Selene has showed me no proof of me missing or being late on a payment. I disagree with Selene and have receipts from my online bank account of all my payments and the dates my bank said delivered it to them. I should have my statements showing I only owe for the present month only with no late fees. Again, if Selene need proof of a payment, I can provide the receiptXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my credit history and credit socre is neear XXXX and i got denied for no reason

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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Transunion Credit Bureau Re : Identity Theft Request for Investigation and Removal of Fraudulent Accounts Identity IQ Report.

To Whom It May Concern, I am writing to dispute and request the immediate investigation and removal of fraudulent information appearing on my credit report. I am the victim of identity theft and the Transunion data breach which I did get a letter telling me my information was compromise, and the following accounts/inquiries do not belong to me. 
Fraudulent Items to Be Removed Creditor/Account Name : XXXX Account Number ( last 4 digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXX XXXX ______________ Account Number ( last 4 digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXXXXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine These items were identified on my Identity XXXX credit report, and I have never opened, authorized, or benefited from these accounts. I also received a letter from the IRS ( XXXX ) that they needed to verify my identity due to suspicious activity on my tax return. I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and removal of all items confirmed as fraudulent. 
Included Documents I am attaching the following : Government issued ID ( Drivers License or State ID ) Requested Action Under FCRA regulations, I am requesting : 1.Removal of all fraudulent accounts and inquiries 2.Suppression of any information resulting from identity theft and data breach 3.Written confirmation of the investigation results 4.Updated copy of my corrected credit report Please process this request promptly as required by federal law. 
Thank you for your immediate attention. 
Sincerely, 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 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a first time CHASE CARD holder. I only got the card to do a balance transfer because for XXXX  years they BOMBARDED ME with ads begging me to sign up. When I finally signed up, the following happened. 

( I was immediately denied. Only when I called them asking why did they say " Oh nevermind you're approved. '' ) ( My card was stolen on route and used fraudulently. I only found out because I got an email about an account I hadn't even had the chance to activate yet. ) ( When I called about the fraud charges, they were dropped along with the initial balance transfer I requested. ) ( All the information XXXX input was wrong. Last name, Phone #, Address, Email. It was all outdated. How did they get outdated info when I created the application with current ones? That is incredibly concerning and a security risk. ) ( Every time I try to use the card it is denied and hit with fraud alerts. First time I used it at the eye doctor it was denied embarrassing me. I had to call CHASE and go through XXXX mins of prompts to undo the rejection. Second time was the next day at a restaurant, embarrassing me again. Not even CHASE customer service knew why it was being rejected. ) ( Tried doing a balance transfer on XX/XX/year> but I only had a balance of {$3100.00} available on a credit line of {$8000.00}. I called Chase and they said it's because of the fraud charges but in XXXX  days it should be cleared. I said I will be charged {$1300.00} before that in interest fees and every customer rep I spoke to dismissed me and basically said " oh well nothing we can do. '' ) The INSTITUTION that created and gave me the credit card said there's nothing they can do about fixing an issue created on their end. This is my first experience with CHASE and it has been a horrific one. I warn everyone to NEVER use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
Square withheld and removed funds from my account without providing a clear or documented explanation. On or around XX/XX/XXXX, XXXX began holding and withdrawing multiple amounts from my account. These amounts include approximately {$63.00}, {$100.00}, and additional funds that remain held, totaling significantly more than those XXXX charges. 

Square originally referenced a {$220.00} dispute. I was later informed by a Square representative that my account was double charged in relation to this dispute. I am not disputing the original {$220.00} amount. However, Square removed approximately {$460.00}, which exceeds the disputed amount, and they have not explained why more than {$220.00} was taken or held. 

When I asked Square to provide a breakdown explaining why {$460.00} was charged or withheld, and why additional amounts such as {$63.00} and {$100.00} were removed, they did not provide transaction details, dates, or documentation to support these actions. 

Square stated that the withholding of funds was related to alleged commingling of funds and referenced other Square accounts from XXXX. I do not have access to those legacy accounts and have not been able to log into, manage, or authorize activity on them for years. I did not authorize any transfer or movement of funds between accounts. 

I requested that Square provide specific evidence supporting their claims, including the exact transactions, dates, amounts, and proof that I had access to or control over the referenced accounts at the time. Square did not provide this information. Instead, they stated that their investigation was closed and that their decision was final. 

As of now, Square has not explained why {$460.00} was taken in relation to a {$220.00} dispute, why additional amounts such as {$63.00} and {$100.00} were removed, or why funds continue to be held. The money was not available to me when promised, and my attempts to resolve the issue directly with Square were unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened a XXXX XXXX credit card issued by Comenity Bank on XX/XX/XXXX while making holiday purchases. I did not receive the physical card or my first billing statement until XX/XX/XXXX. That statement listed a payment due date of XX/XX/XXXX and warned that a late fee could be incurred if payment was not received by that date. Because I did not receive the statement until after the due date had already passed, I had no opportunity to make a timely payment and had not yet activated the card. When I contacted customer service the same day, I encountered difficulty getting the issue addressed before finally reaching a supervisor who acknowledged the situation. 

About a week later, I discovered additional charges on the account, including a {$2.00} paper statement fee on my very first bill before I had any opportunity to enroll in paperless billing, and a {$3.00} minimum interest charge tied to the alleged late timing of payment. On or about XX/XX/XXXX, I called again regarding these charges and requested that the account be closed. 

After that call, I attempted to use the companys secure online message system to communicate in writing. However, when I selected the secure communication option and completed the form, the only result was that the credit card became activated. I was not provided any messaging interface or way to send a written communication. In effect, the system activated the card but did not allow me to contact customer service as intended. This appears to have interfered with my prior request to close the account. 

I am concerned about the companys billing and account practices, including issuing a first statement with a due date that had already passed when received, assessing a paper statement fee on the first bill, applying interest under these circumstances, and requiring card activation in order to attempt secure communication.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: PA

Complaint narrative:
HWARFIELD is reporting a collection account in the amount of {$6500.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice of this debt prior to it being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This violation alone exposes HWARFIELD to statutory damages of up to {$1000.00} per action.

Despite my written request for validation well over 60 days ago, HWARFIELD has failed to provide a single piece of competent evidence to substantiate the accuracy, ownership, or enforceability of this alleged debt. Nevertheless, HWARFIELD continues to report this account, which constitutes ongoing collection activity in direct violation of FDCPA 1692g ( b ). Once validation is requested, all collection activityincluding credit reportingmust cease until proper validation is provided.

HWARFIELD is also furnishing information to the consumer reporting agencies that it can not verify as accurate, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after receiving notice of my dispute, in violation of FCRA 623 ( b ). Reporting an unvalidated, high-balance collection does not meet the maximum possible accuracy requirement under FCRA 607 ( b ).

For claritybecause these companies routinely pretend not to understandproper validation of a collection account requires : Proof of legal ownership and complete chain of assignment from the original creditor The original lease, contract, or agreement allegedly creating the debt A full itemized accounting supporting the {$6500.00} balance The Date of First Delinquency ( DOFD ) Documentation showing HWARFIELDs authority to collect Accurate XXXX reporting, including dispute indicators HWARFIELD has provided none of the above.

Company response to consumer: Closed with non-monetary relief