vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Validation of Debt Request - SUNRISE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I deposited a check from a trust account this is the second check I have deposited from this account. A week later golden one shows I have a XXXX balance at this point the early release should be up and I should have access to my prior funds. I have spent two days on the phone and am being told to provide documentation or sit and wait and that I will have no access to my money until they investigate further and they have no timeline. I have bills to pay my utilities will be shut off without payment and I am locked out of all my funds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Left several threatening voicemails. One of which stated that I needed to answer their call or they were going to come to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Dispute Regarding XXXX Payment Incorrect Billing After Verbal Instruction Summary : My mortgage servicing was transferred to Shellpoint Mortgage Servicing recently. On XX/XX/year>, I contacted their customer service, and a representative explicitly instructed me NOT to make the XXXX payment because they needed time to process the transfer documents. I was told to resume payments in XXXX. Relying on this verbal instruction, I did not pay in XXXX. However, the XXXX statement now shows two months of payments due ( XXXX + XXXX ), and my account is being reported as delinquent for XXXX. What I have done : I sent a formal Qualified Written Request ( QWR ) via Mail to Shellpoint Mortgage Servicing I paid my XXXX payment in full on time. Company 's response ( if any ) : they can not do anything, i need pay full two moth payment. What I am seeking : Remove the XXXX payment requirement. Remove any late fees or penalties. Correct my credit report to show " Current '' for XXXX. Written confirmation of the correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting a dispute regarding the following charged-off account : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} Additionally, the following inquiries are being disputed : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I received an ambulance bill from XXXX XXXX for {$250.00} for a service on XX/XX/year>. According to my insurance plan, my ambulance copay responsibility is {$75.00}. I paid {$75.00} toward this bill. Afterward, I continued to receive statements for the remaining {$170.00} because the ambulance company does not have a contract with my insurance company. I contacted both the ambulance company and my insurance company to resolve the issue. My insurance company stated that my responsibility should be the copay amount and opened a review after I spoke with a manager and received a reference number. Despite this, the remaining {$170.00} was sent to collections by Collection Bureau of Hudson Valley. I believe this balance is incorrect because the insurance claim is still under review and my copay responsibility has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am filing a complaint against Bank of America regarding unauthorized ACH transactions and the closure of my checking account ending in XXXX. Multiple fraudulent ACH charges connected to a XXXX XXXX credit card were posted to my account. I did not authorize these transactions. I filed a dispute with Bank of America ( Claim # XXXX ) and provided supporting documentation. The bank denied my claim and closed my account while withholding the remaining funds. The disputed transactions occurred before the account was closed. Under Regulation E, I am requesting reimbursement of the unauthorized transactions totaling {$1700.00} and the release of any remaining funds in my account.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
Had an account with FNBO XXXX credit card. Had a parking charge dispute that never got resolved. I paid account off and closed the account. 30-60 days later I applied again. Received denial email. Called and was told because i already have an account. Explained I closed month or 2 ago. Then was told I couldn't apply again for 18 mos. Asked for the policy pertaining, was denied to see policy. Transferred to Supervisor who told me I was denied because they only go by account opening dates and Never close date. None of the reasons make any sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Issue at Hand : Problems when you are unable to pay ( payment deferment, hardship assistance, customer service failures, lack of follow-through ). I am filing this complaint due to Hyundai XXXX XXXX ongoing mishandling of my request for a two-month payment deferment, repeated misinformation from multiple departments, and, most recently, a failure to follow through after the XXXX XXXX Team contacted me. On XX/XX/year>, I requested a two-month deferment of my $ XXXX monthly payment. Customer Service told me I would receive documents within XXXX hours that I needed to sign and return before the deferment could be applied. I never received any such documents. Between XX/XX/XXXX and XX/XX/XXXX, I called multiple times and received contradictory information from the Customer Service and Customer Accounts departments. Customer Service repeatedly told me documents were pending, while Customer Accounts stated that no documents would be sent until the deferrment was actually approved. I was transferred back and forth between both departments with no resolution. One representative in Customer Accounts was also dismissive, interruptive, and unprofessional during two separate calls. She repeatedly talked over me, confusing the situation even more. On XX/XX/XXXX, I sent ( via certified mail ) a formal written complaint to Hyundai XXXX XXXX XXXX XXXX Team. On Friday, XX/XX/XXXX, I received a voicemail from a representative named XXXX at approximately XXXX XXXX CST. Because the call came after business hours, I returned her call on Monday, XX/XX/XXXX, twice ( XXXX XXXX & XXXX XXXX CST ) and left voicemails, using the direct number she provided. I also called her on Tuesday, XX/XX/XXXX, leaving another voicemail. As of Wednesday, XX/XX/XXXX, I have not received any return call or acknowledgment. At this point, Hyundai XXXX XXXX has : Mishandled my deferment request for over six weeks Provided contradictory and inaccurate information Failed to follow through after initiating contact Left me without any resolution or communication I have made every reasonable effort to resolve this directly with the company.

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 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
This company is not clear on the stipulations of their loan agreements. The agents brief phone applicationhad me approved in no time. When going over terms, I was under the impression that payments would be withdrawn bi-weekly. In reality, this loan agreement was for weekly withdrawals. The loan was for {$620.00}. The payments were {$97.00} weekly when I was under the impression it was bi-weekly or described as on pay days. This loan was just over 300 % in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Validation of Debt Request - CAINE & WEINER - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I pay for a flying ticket {$1900.00} to XXXX to fly to see my son, me and my wife to XXXX the place where is my son serving the country on the US military base in XXXX But like most of the people here and also the rest of the world the US government was on shutdown for many days the government .. so at that time was not safe, flying for obvious reasons ( no air controllers ) I try to contact XXXX and also my financial institution in this case Chase, but no one gave me solution for this and unique, exceptional, and national security. They dont understand this that was a unique, and exceptional and national security Problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I visited the drive-through today to obtain a cashiers check. During the interaction, the teller XXXX, spoke to me in a way that felt condescending and argumentative. When I attempted to end the transaction and requested my ID and check back, the situation escalated further and I was told that I was being rude. I later called the branch to speak with a manager, with XXXX answering the call- but the call unfortunately turned into another argument before I could fully explain the situation. I value professionalism and respectful customer service and would appreciate this incident being reviewed. I would also like to confirm that my account is noted appropriately and that future interactions can be handled in a respectful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Fifth Third Bank regarding an improper hold placed on a state tax refund check ( Check number can be provided if necessary ) in the amount of {$260.00}, deposited via mobile deposit on XX/XX/2026. According to Regulation CC ( 12 CFR Part 229 ), state and local government checks are generally subject to next-business-day availability. Even under more restrictive deposit policies, for a check under {$270.00}, the funds should be released within three business days. Despite this, Fifth Third Bank has placed a hold on these funds without providing the legally required Notice of Exception or a specific reason for the delay. I have made three separate attempts to resolve this : * Chat Support : Contacted via the website XX/XX/2026 to question the hold that immediately appeared. No resolution provided. * Phone : Spoke with a teller on XX/XX/2026. * In-Person : Visited the branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX on XX/XX/2026. During my in-person visit, the teller informed me that the bank is " allowed to hold it for up to 7 days. '' This contradicts the Expedited Funds Availability Act guidelines for a government-issued check of this amount. Furthermore, the bank failed to provide a written notice explaining why they believe a 7-day hold is applicable in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/year>, I received a XXXX transfer of {$1000.00} into my Ally Bank account. On XX/XX/year>, I transferred that {$1000.00} via XXXX to another account that I own, as expected. This was a legitimate transfer between my own accounts. Shortly after this transaction, Ally Bank began labeling transactions associated with my account as fraudulent. Ally Bank informed me that a recipient had claimed that I did not fulfill my obligation related to a transaction and that XXXX reimbursed the individual, making me responsible for the funds. However, when I contacted XXXX, I was informed that they did not send any written correspondence to Ally Bank confirming reimbursement of this individual. Despite this, Ally Bank continues to rely on alleged documentation from XXXX but has refused to provide proof of this communication. Additionally, Ally Bank has stated that I disputed a transaction sent to my daughter. This claim is incorrect. On XX/XX/year>, I sent my daughter {$100.00} via XXXX. This was a legitimate transfer and was never disputed by me. The funds were sent to assist me with travel expenses related to my sisters funeral. Despite this being a legitimate transfer, my daughters bank account has now been locked. I have attempted multiple times to explain these circumstances to Ally Bank and requested that they review the evidence. However, they have refused to properly investigate or assist in resolving the matter and have stated that they intend to close my account.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation