vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for failing to conduct a proper investigation under FCRA Section 611. I disputed an account reported by XXXX XXXX XXXX. TransUnion responded by stating that the account was verified as reported, but they failed to provide any details regarding how the verification was conducted. I am requesting the Method of Verification ( MOV ), including : * The name of the party they contacted * The method used to verify the account * The documents reviewed during the investigation As of now, no such information has been provided. A generic response does not satisfy the requirements of a reasonable investigation under the FCRA. Simply stating verified without evidence raises concerns about the accuracy and fairness of the process.

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 2026-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX regarding persistent administrative mismanagement and inaccurate reporting of my account status. Most recently, I received a notice from the bank alleging that I missed my XX/XX/year> payment. This allegation is entirely incorrect. Not only did I make my regularly scheduled monthly payment for XXXX, but I also made an additional {$500.00} payment specifically designated for the principal. I have enclosed proof of both transactions with this complaint. To date, I have still not received my XX/XX/year> billing statement. This lack of transparency is compounded by the fact that I recently received a paper bill XXXX weeks past the due date. This is not an isolated incident, but rather a continued pattern of mismanagement. XXXX XXXX XXXX has a recurring history of administrative errors and " miscommunications. '' For example, a previous error regarding an end-of-year tax statement forced me to pay {$150.00} in accounting fees to amend my tax filings. This latest failure follows a pattern of behavior that I have already reported to the CFPB on XXXX prior occasions. I must emphasize the significant emotional distress these ongoing issues are causing. I am currently the primary caregiver for my husband, who is in the final stages of pancreatic XXXX. Navigating his care is my priority, and the banks repeated financial errors and lack of accountability are creating an unbearable amount of additional stress during an already devastating time. I believe a fair resolution to this repeated negligence must include the following : A formal apology for the errors and the resulting distress. The immediate correction of my account records to reflect that all XXXX payments were received and applied correctly. A guarantee that all future billing statements will arrive well in advance of their due dates. A direct contact name, phone number, and email address for a member of management at XXXX XXXX XXXX who can personally oversee my account and address any further issues. Due to the persistent nature of these errors and the bank 's failure to maintain accurate records, I am seeking a formal resolution to prevent further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Validation of Debt Request - SEQUIUM ASSET SOLUTION - 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC
State: AL

Complaint narrative:
I received a {$600.00} loan from the company in XXXX. I have made every payment on time to date. XXXX bi-weekly since XXXX. XXXX in total so far and they are still telling me I owe another {$480.00}. This is crazy. Please do something about this predatory loan place. All of this to try to keep from being homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: MO

Complaint narrative:
My account has been under investigation for the last XXXX business days. They wont explain to me why my account has been frozen but I patiently wait. Waited to XXXX business days today marks XXXX business day Ive called to see when my check will be mailed out since I have {$10000.00} in my account and Im still till this day. I cant get a proper response. Ive sent multiple emails. Talk to multiple customer service representative and I cant get a response or an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against SECURITY CREDIT SERVIC for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX ( b ). For over XXXX months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, SECURITY CREDIT SERVIC has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, XXXX verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXX Bank, NA, XXXX XXXX XXXX ( XXXX XXXX. 2004 ), which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served SECURITY CREDIT SERVIC XXXX Legal Department with a Pre-Arbitration Settlement Demand, providing a XXXX opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, SECURITY CREDIT SERVIC continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
They restricted my account for no reason My grandpa sent me money for a car and for school tuition and I need that money ASAP. Please urge them to lift the restriction as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
This company did not follow federal law by failing to send the required notice giving me the right to dispute or validate this claim before placing it on my credit report. Remove this immediately, or I will pursue legal action for deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened a Chime checking account after clicking on a XXXX advertisement offering a {$350.00} direct deposit bonus for new users. I relied on this promotion when deciding to open the account. After opening the account, I received multiple direct deposits from my employer totaling over {$1000.00} within the required timeframe. These were legitimate payroll deposits. I waited over XXXX days for the promotional bonus to be credited to my account, but I did not receive it. I contacted Chime customer support multiple times to resolve the issue. Each time, I was told that I do not qualify for the promotion because the promotional link I used was invalid or not properly attached to my account. However, I followed the promotional process in good faith and had no indication at the time of account opening that the promotion was not applied. During XXXX of my calls, I spoke with a representative named XXXX who identified herself as a supervisor. She stated that there was no way to escalate the issue further and refused to connect me with a higher-level supervisor. Additionally, there was significant background noise and multiple conversations during the call, which made communication difficult and felt unprofessional. I requested confirmation of my eligibility, details of the promotion requirements, and an explanation as to why my qualifying deposits were not credited toward the bonus. I did not receive a clear or satisfactory explanation. I also requested written documentation or an email summary of the interaction for my records, but I was informed that they were unable to provide any documentation. I believe I met all qualifying requirements for the promotion and acted in good faith based on the advertisement. I am requesting that Chime review this matter and honor the {$350.00} promotional bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding the reporting of a collection account on my credit report for which I have no knowledge, no contractual agreement, and no business relationship. I am formally disputing this account in its entirety and demanding immediate deletion. Pursuant to 15 U.S.C. 1692g, I am requesting full and complete validation of this alleged debt. As of this complaint, no documentation has been provided to substantiate : Any signed agreement or legally binding contract bearing my signature Proof of any transaction or obligation connecting me to this alleged debt A complete and accurate accounting of the amount claimed Proof that XXXX XXXX XXXX has the legal right to collect on this account Failure to provide such documentation renders this debt unverified and invalid. Furthermore, under 15 U.S.C. 1681e ( b ), all information furnished to consumer reporting agencies must be accurate and verifiable. Reporting a debt without proper validation is a direct violation of the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1692c, you are hereby notified that this debt is disputed, and all communications must comply strictly with federal law. At this time, XXXX XXXX XXXX is reporting information that is unverified, inaccurate, and damaging to my credit profile. This is unacceptable. Therefore, I demand the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation that this account has been removed Cessation of any further reporting or collection activity related to this matter If XXXX XXXX XXXX is unable to provide proper validation, continued reporting of this account will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which both the furnisher and any reporting agencies involved may be held liable. Be advised that I am fully prepared to pursue all available remedies, including additional regulatory complaints and legal action, should this matter not be resolved promptly. I expect a timely and compliant response confirming deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Credence Resource Management regarding the reporting of a collection account on my credit report for which I have no knowledge, no contractual agreement, and no business relationship. I am formally disputing this account in its entirety and demanding immediate deletion. Pursuant to 15 U.S.C. 1692g, I am requesting full and complete validation of this alleged debt. As of this complaint, no documentation has been provided to substantiate : Any signed agreement or legally binding contract bearing my signature Proof of any transaction or obligation connecting me to this alleged debt A complete and accurate accounting of the amount claimed Proof that Credence Resource Management has the legal right to collect on this account Failure to provide such documentation renders this debt unverified and invalid. Furthermore, under 15 U.S.C. 1681e ( b ), all information furnished to consumer reporting agencies must be accurate and verifiable. Reporting a debt without proper validation is a direct violation of the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1692c, you are hereby notified that this debt is disputed, and all communications must comply strictly with federal law. At this time, Credence Resource Management is reporting information that is unverified, inaccurate, and damaging to my credit profile. This is unacceptable. Therefore, I demand the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation that this account has been removed Cessation of any further reporting or collection activity related to this matter If Credence Resource Management is unable to provide proper validation, continued reporting of this account will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which both the furnisher and any reporting agencies involved may be held liable. Be advised that I am fully prepared to pursue all available remedies, including additional regulatory complaints and legal action, should this matter not be resolved promptly. I expect a timely and compliant response confirming deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: TN

Complaint narrative:
On XX/XX/XXXX I was checking my balance in my account and noticed all of my money was gone. I called XXXX XXXX XXXX and informed them of the issue. They told me that my debit card had been compromised and they would stop the old card. I was told there would an investigation. I was also told that in XXXX days my money would be back account but if they saw where it was my fault they would come back and withdraw the money. Never received any money but that was fine. I was told there were XXXX charges on my account from XXXX XX/XX/year> up until XX/XX/year>. These charges were from XXXX. XXXX XXXX in XXXX XXXX. I called XXXX and I was told these are all online chargers and not from my account, last charges I made with this card was in XXXX when I was getting Christmas gifts for grandkids. The other purchases are from XXXX Monster, Clash of XXXX all out XXXX and there is no way to contact this company. I was told that there was also XXXX charges in XXXX but like I told direct express those charges must have been so small that I did not notice.. I have been calling and calling XXXX associate, I think her name XXXX I guess she didnt want to keep trying to explain to me so she pretended to not hear me and hung up so I called back asked to speak to a supervisor and I spoke supervisor XXXX and I guess she got tired of listening to me as well she told the case was closed and hung up on me. I called the next morning asked to speak to a Supervisor and spoke to Supervisor XXXX explain the situation to her she she would escalate it up, I also told her I wanted to file a complaint. Im waiting on response. The money that was stolen was a little over {$1500.00} This is a bank I guess they dont monitor these accounts. I said this is their fault because to me this would looked fraudulent. Im on a fixed income and I cant let this go. Please help me seems no one cares.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On or around XX/XX/year>, I was issued XXXX temporary credits of {$390.00} related to a dispute on my account with Frost Bank. On the same timeline, a provisional credit of {$390.00} was also posted to my account. At XXXX point, these credits were reflected in my available account balance and appeared as funds that could be used. Based on that available balance, an XXXX XXXX transaction was processed. Later, the XXXX temporary credits fell off the account as part of the normal process, while the provisional credit remained. However, the removal of the temporary credits after they had been reflected in my available balance contributed to my account becoming overdrawn. I contacted the bank to request clarification and correction due to the financial impact this caused. I was informed that temporary credits are expected to fall off and that only the provisional credit remains, and that no corrective action would be taken. As a result, I am currently carrying a negative balance while also having a separate XXXX XXXX transaction under dispute that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: IL

Complaint narrative:
I am submitting this formal complaint regarding my federal student loan serviced by CRI. My account experienced unauthorized changes that have caused financial harm. Around XX/XX/2026, my repayment plan was changed without my authorization as part of a system-wide action that CRI has referred to as a glitch. I was previously enrolled in auto-pay and in active repayment, and I did not request or consent to any changes to my account. My auto-pay was then stopped without my knowledge, which caused several months of unpaid principal and interest to accrue. I did not receive any notification about the repayment plan change or the suspension of my payments during this time. As a result, my next scheduled payment is higher than normal, and I am being charged interest that accrued entirely due to actions outside of my control. When I contacted support, I was told that this issue affected thousands of accounts and was due to a system-wide problem. However, I was also informed that the accrued interest can not be adjusted due to a higher-up policy, and I was advised to just pay it off, which I believe is inappropriate and does not address the underlying issue. I have also found public reports from other borrowers describing the same situation, including unauthorized repayment plan changes and lack of notification, which suggests this is a widespread servicing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding a disputed medical collection account reported by National Recovery Agency in the amount of {$2500.00}. This account allegedly stems from an emergency room visit on XX/XX/year>. I was treated for approximately XXXX hours and was billed separately by the hospital, which has already been addressed. I never received any bill, notice, or communication from XXXX XXXX XXXX XXXX regarding this alleged debt prior to it being placed in collections. It has now been nearly XXXX years since the date of service, and this is the first time I am being made aware of this charge. I disputed this account with XXXX and XXXX, and it was marked as verified. However, no proper validation has been provided. Despite multiple requests, neither National Recovery Agency nor XXXX XXXX XXXX XXXX has supplied : -An itemized bill -CPT billing codes -Proof of services rendered -Proof that I am legally obligated to pay this debt -Proof that the collection agency is authorized to collect this debt The failure to provide any billing for nearly XXXX years raises serious concerns regarding the accuracy, validity, and enforceability of this alleged debt, as well as compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I did not select or have prior knowledge of this provider, and this billing appears to be a potential violation of the No Surprises Act, which protects patients from unexpected out-of-network charges in emergency situations. I am requesting the following : -Full and proper validation of this alleged debt -A complete itemized bill including CPT codes -Proof of legal obligation and authorization to collect -Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided This matter is causing ongoing harm to my credit and financial standing. I am requesting an immediate and thorough investigation, along with appropriate corrective action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation