vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: NY

Complaint narrative:
I submitted a formal written dispute letter to Collection Resources Inc. ( CRI ) regarding a federal student loan they are claiming to service. I requested full validation under 15 U.S.C. 1692g ( b ), including the original wet-ink promissory note, accounting ledger, and legal authority to collect. 

CRI did not respond with validation but instead stated that the account would be reported to the credit bureaus. This violates : - FDCPA 1692e ( 8 ) : Failing to report the debt as disputed, - FDCPA 1692g ( b ) : Continuing collection without validation, - FCRA 623 : Furnishing unverifiable information. 

According to CFPBs own definition, a student loan servicer performs administrative tasks and does not own the debt. CRI has failed to prove standing, chain of title, or original documentation. The Master Promissory Note used to initiate the account was the actual financial instrument, meaning the debt was discharged upon funding. 

I am requesting : - Full removal of all credit reporting, - Written confirmation that no collection will continue without lawful validation, - Investigation into CRI 's violations of federal law and CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and all consumer reporting agencies currently reporting this account for serious violations of the Fair Credit Reporting Act ( FCRA ), unlawful disclosure of my private consumer data, and inaccurate credit reporting. 

XXXX XXXX XXXX sold, assigned, or transferred my alleged account to a third party without my knowledge, consent, or legally required notice. At no time did I authorize XXXX to disclose my personal and financial information to any third party, nor was I provided documentation identifying a lawful assignee or purchaser of this account. 

This conduct constitutes an unauthorized disclosure of nonpublic personal information, a failure to maintain maximum possible accuracy, and reporting without permissible purpose, in violation of, but not limited to : 15 U.S.C. 1681b No permissible purpose to furnish or receive my consumer report 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) & ( b ) Furnishing inaccurate information and failure to properly investigate disputes 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation Neither XXXX XXXX XXXX nor any alleged successor has produced : XXXX. A valid contract bearing my signature XXXX. Proof of lawful assignment or sale XXXX. Evidence of my consent to share my personal data XXXX. Documentation establishing legal standing to collect or report Despite this, the account continues to be reported, causing ongoing financial harm, credit denial, and reputational damage. 

The continued reporting of this account is willful and reckless, not merely negligent. Any claim that the account was verified without producing the above documentation constitutes false certification to consumer reporting agencies, which is itself actionable under the FCRA. 

I am formally demanding that the CFPB require : Immediate deletion of this account from all consumer reporting agencies Written confirmation that Flagship Credit Acceptance and any alleged assignee cease all reporting and data sharing Documentation of how my personal data was transferred without authorization Corrective action to prevent further violations If this matter is not resolved promptly, I am prepared to pursue civil litigation for statutory, actual, and punitive damages, and to file additional complaints with the State Attorney General and Federal Trade Commission. 

This complaint is submitted in good faith and supported by my credit reports and prior disputes. 

Requested Resolution : Immediate deletion of the account Written confirmation of deletion Cessation of unlawful data sharing Consumer : 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My HSA account with HSA Bank has been locked and inaccessible since approximately XX/XX/year>, which is now over one and half months. I received no notice via email, mail, or secure message that the account was being frozen. When I contacted HSA Bank by phone multiple times, the customer service representatives could not provide any explanation for the freeze or a timeline for resolution. I was also not informed of any suspected fraud, documentation requests, or compliance reviews that would warrant such a freeze.

This account contains my personal funds meant for healthcare expenses. I have not been able to access my money to pay for medical bills during this entire period. I consider this to be an unjustified and potentially unlawful withholding of my personal property. I have requested a written explanation and immediate resolution several times, but the issue remains unresolved.

I am seeking immediate unfreezing of my account and full access to my funds, along with a formal explanation for the prolonged freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX, GA, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Formal Complaint Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and unverifiable credit reporting and improper debt collection practices by Southwest credit systems related to Account No XXXX. 

I have exercised my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by disputing this account with the consumer reporting agencies. Despite my dispute, the furnisher continues to report this account without conducting a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ).

Additionally, I requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The response provided, if any, did not constitute proper validation and failed to establish legal ownership, accuracy, or authority to collect the alleged debt. Continued reporting and collection under these circumstances violates 15 U.S.C. 1692e and 1692f, which prohibit false, misleading, and unfair practices.

The continued furnishing of inaccurate or unverifiable information also violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of information known or should be known to be inaccurate.

I am requesting that the CFPB investigate this matter and require the furnisher to : Cease inaccurate reporting Correct or delete the account from all consumer reporting agencies Comply fully with all applicable federal consumer protection laws Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
Beginning in XXXX, I disputed this mortgage account in writing and requested validation and clarification of United Wholesale Mortgage, LLCs authority to service, collect, and furnish information regarding the account. I sent multiple written notices in good faith, including follow-up correspondence and escalation, but the company failed to cure the issues or clearly identify a lawful creditor. 

On XX/XX/XXXX, I sent a formal Notice of Disputed Authority, XXXX XXXX XXXX, and XXXX XXXX XXXX. United Wholesale Mortgage received this notice on XX/XX/XXXX. Despite receipt, the company placed a telephonic collection call on XX/XX/XXXX at approximately XXXX XXXX, and again on XX/XX/XXXX at approximately XXXX XXXX 

On XX/XX/XXXX, the company also received executive-level escalation, a Notice of Administrative Default and Estoppel, and settlement correspondence. Despite this, United Wholesale Mortgage continued treating the account as delinquent and furnishing adverse credit information without properly resolving the dispute or marking the account as disputed. 

I am seeking CFPB review of the companys servicing conduct, continued collection activity after written notice, and adverse credit reporting during an active dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
My employer changed XXXX ( XXXX XXXX  account ) managers from Optum Bank to XXXX. On XX/XX/year>, I submitted a trustee-to-trustee transfer request form to Optum Bank, asking them to liquidate all assets ( cash and stock ) and transfer them to XXXX. I received a reply from XXXX XXXX XXXX, assigning my request a case number, XXXX, and saying that the request would take 4-6 weeks to process and I would be charged a {$20.00} rollover fee. As of today ( XXXX  months later ), my Optum account shows no change in the balance or other sign the transfer has been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Information about the closure and information about my funds that was left in my account I was told when they first closed it a check will be mailed out now they are saying Im not getting anything And when I ask to speak to a supervisor they just keep hanging up the phone on me and I have the calls recorded

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: St John Rossin & Burr, PLLC
State: FL

Complaint narrative:
This complaint is in addition to the previous one. This third party debt collector XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX who my association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL. has hired for my XXXXXXXX XXXX has now moved to file a XXXX for what they say is outstanding interest / XXXX fees for XXXX XXXX, while still in the month of XXXX! My payments of XX/XX/XXXX and XX/XX/XXXX have been paid directly to my condo associations bank, with the help of my family, since I've been battling XXXX for the past XXXX years. This debt collector keeps creating what seems to be an on going XXXX to collect excessive fees for themselves, while leaving a balance of a record of showing UNPAID association fees. I have already paid out almost {$4000.00}, which includes excessive fees back in the fall and in good faith, I paid this debt collector XXXXXXXX XXXX XXXXXXXX the extra FEES, unknowingly they would continue to create a XXXX  to continue to bill me for excessive fees in addition to the association fees, as soon as the month opens. In addition, they use scammy phone call tactics, recordings with threats- never saying who they are calling for, who they are, not verifying my number, just residing a document number then hanging up. When I wrote to my management office telling them to recheck their records for the fees that were paid. The management office seems to be ignoring me and keeps stating, talk to the attorney. I asked them to sent them what I just paid for XXXX- of {$640.00} which includes the standard late fee of {$25.00} dollars and it was paid directly to the associations bank by check. I also asked for the coupon booklet that was never sent to me for the new year of monthly fees, they neglected to send to me. In addition, they skipped over the 30 day letters and 45 day letters instantly and turned me over to their debt collector, for a minimal outstanding monthly association fee that was current. The debt collector and management company, seems to want to create a sense of PANIC AND FEAR in me by going straight to filing a LIEN. Unethical with undue forces. I told them to remove it and I don't owe them ANYTHING. I'm currently due to pay only this month of association fees of XX/XX/XXXX with the new amount of {$630.00}, that's it. SOMETHING IS NOT RIGHT HERE! seems to be a XXXX XXXX that is being played, while targeting me at the same time. This XXXX NEEDS TO BE REMOVED RIGHT NOW...

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I have repeatedly disputed with the company, XXXX XXXX that this account is not mine. It was open unauthorized and fraudulently. They refused to open an investigation. They refused to acknowledge my complaint. They refused to make this correct. They have adversely affected my credit score by reporting a negative account that is wrong. It's adversely affecting my financial life. I want this resolved by them, Removing the account for the credit report and reporting that the account was not mined to the credit agency so that I can be made whole.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
SYNERGETIC COMMUNICATI is falsely reporting on my credit. I have never had any accounts with them. Per my research SYNERGETIC COMMUNICATI 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 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been using the credit card and the phone app since XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX several Fraud Charges were made on my credit card account in other cities that I do not travel in. The Fraud Charges were in the amount of {$690.00} plus interest. I tried to dispute and resolve the fraud charges. I requested copies of the billing statements showing the charges and locations. But the company - Synchrony Bank did not send me copies of the charges and locations. Synchrony Bank kept charging me interest on the fraud charges incurred. I submitted several requests for the billing statements from the customer service reps- never received the copies. Synchrony Bank is not very cooperative. Extremely poor customer service experience. At that point I stopped using the credit card and stopped purchasing the fuel products..

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/year>, I fully paid off a credit card issued by Capital One bank. I paid the full account balance, bringing the balance down to XXXX dollars, and instructed a representative over the phone to close the account. However, after the account was closed, Capital One added fees, l to the account after it was closed. I called Capital One to inquire how this was possible and to ask them to remove the fees since the account was fully paid off and closed. They refuse to do this. I asked to be put in touch with an account manager, and they refuse to do this. I asked to be in touch with the legal team of Capital One and they refuse to provide that contact information. I asked if whatever fees, the lender was assessing could simply be waived, and they refuse to waive any fees as well. This was an account that was held in good standing for the course of many years with a good payment history. The method that Capital One is using to add fees to a closed account is unethical and insidiously deceptive. I would greatly appreciate the help of the consumer financial protection bureau in mitigating this issue, ensuring that fees are not assessed to my closed account, and returning the account to a XXXX balance since it was already closed in good standing. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
For the entire months of XXXXXXXX XXXX XXXX XXXX XXXX  I received daily calls and text messages from Portfolio Management which I guess is a debt collector on my work cell phone. I told them in several occasions not to call my work cell due to interference of my work duties and members. I also asked them to send copies of bill and other documents pertaining to an alleged debt that I dont have no access or knowledge of. I would like this company to stop the harassing calls about a bill I have no knowledge of and if so please remove from any credit bureaus.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CFPB COMPLAINT I am submitting this complaint because Citibank has failed to comply with its obligations under federal law after I reported an unauthorized withdrawal of {$640.00} from my checking account on XX/XX/year>. I notified Citibank immediately, and the bank locked my account, cancelled my debit cards, and stated the fraud unit would investigate. More than a month has now passed with no written explanation, no investigative findings, and no provisional credit. My account remains restricted, preventing me from accessing my own funds. Citibanks actions violate the Electronic Fund Transfer Act and Regulation E, which require a bank to complete its investigation within ten business days or, if more time is needed, to issue a provisional credit while the investigation continues. Citibank has not provided the required provisional credit and has not provided any lawful justification for withholding funds for this extended period. In addition, Citibank has frozen my entire balance, including Social Security benefits, military pension payments, and XXXX deposits. These federal benefits are protected by law and may not be frozen or withheld except in very narrow circumstances that do not apply here. The banks continued refusal to release these funds has caused significant financial hardship, as I have been unable to pay ordinary living expenses despite having funds on deposit. Throughout this period I have contacted Citibank repeatedly and have been transferred between departments without receiving any useful information or assistance. No one at the bank has been able to explain why the investigation has exceeded the allowed timelines or why my federal benefit deposits remain inaccessible. I am requesting that the Consumer Financial Protection Bureau require Citibank to explain its failure to comply with Regulation E, restore full access to all nondisputed funds in the account, issue the required provisional credit for the disputed amount, and provide a written explanation of its actions. I am also requesting that Citibank be instructed to take corrective action immediately so I can access my federal benefits and resolve this matter without further delay.

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX  loan and the repayment account was for accounts at my XXXX banking account ; checking account ending XXXX and debit card XXXX. Ive attached the agreement below showing the accounts authorized for repayment. 

Im having a bit of financial difficulty at the moment and was unable to pay it back on XX/XX/XXXX. Theyve been trying to collect the amount from those accounts since. 

On XX/XX/XXXX, Moneylion debited the XXXX  loan amount for {$730.00} from a debit card ( ending XXXX ) that was not authorized for repayment. 

The agents refused to send my money back, and Ive tried 3-4 times to speak to a supervisor and have yet been able to. They either held me on hold for over an hour or hung up on me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation