vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I applied for the Bilt XXXX XXXX XXXX on XX/XX/year> using XXXX XXXX XXXXXXXX elevated XXXX points offer for the credit card for 5 days after activation. I received an email confirmation on XX/XX/year> at XXXX EST indicating I was approved for the card. XXXX XXXX XXXX website indicated that those approved using the link should receive an e-mail from Bilt on XX/XX/year> with further confirmation of the offer. After not receiving an e-mail regarding the offer from Bilt on XX/XX/year>, I contacted their customer service chat and e-mail on XX/XX/year> while activating the credit card. The Bilt customer service agent stated they did not see the promotion included on my account and would need to escalate the issue and then disconnected the chat. I reached out via e-mail as well and received a similar response on XX/XX/year>. I have followed up daily since via the same e-mail thread with no update or response. The issue in question is time sensitive, due to the promotion only lasting 5 days. In my most recent e-mail today ( XX/XX/year> ) I included XXXX XXXX XXXX XXXX, and XXXX customer service as they are either involved in the Bilt promotion or the issuers of the card. The launch of this credit card has been riddled with well documented issues, and the lack of honoring the promotion that I used to I apply for this credit card is deceptive and fraudulent. I would appreciate and support in finding a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the delinquency reporting on my account during the forbearance period that ended on XX/XX/year>. 

I was approved for a three-month forbearance, during which I made the required partial payments. My monthly payment increased slightly during this period, from {$1000.00} to {$1000.00}, and I complied with the payment terms as they were presented to me. 

However, I was later notified that the account was reported to the credit bureaus as delinquent during the forbearance period. This reporting resulted in a severe and sudden drop in my credit score, from XXXX to XXXX. At no point was I informed or warned that participation in this forbearance would be reported as delinquent or negatively impact my credit. 

Had I been advised that accepting the forbearance would result in adverse credit reporting, I would have explored alternative arrangements to avoid harm to my credit profile. I entered the forbearance in good faith and with the understanding that it was a hardship accommodation, not a delinquency. 

Given these circumstances, I respectfully request the following : A review of the reporting for the forbearance period Removal or correction of any delinquency marks associated with the approved forbearance Updated and accurate reporting to all credit bureaus I have otherwise maintained an excellent payment history, as reflected by my prior credit score, and I am requesting this adjustment as a matter of fairness and accuracy. 

Thank you for your time and consideration. I look forward to your written response.

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 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint concerns a charged-off credit card account reported by BBY/CBNA ( Citibank ). 

After reviewing my credit reports from TXXXX XXXX XXXX XXXX I found materially inconsistent and inaccurate information being reported for the same account, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account is reported as Collection/Charge-Off on all three bureaus, yet credit limits and high credit amounts are inconsistent : XXXXn reports a credit limit of {$3300.00} and high credit of {$4500.00} XXXX reports a credit limit of {$3300.00} but high credit of {$0.00} XXXX reports credit limit of {$0.00} and high credit of {$600.00}, while still reporting a balance and past-due amount of {$600.00} The account shows XXXX XXXX monthly payment but is still reported as past due, which is contradictory. 

The account comments differ across bureaus : Charged off as bad debt / Canceled by credit grantor Closed due to inactivity / Unpaid balance reported as a loss Charged off account / Accounts closed by credit grantor The Date Opened, Date Last Activity, and Last Reported dates are not consistent across bureaus, further indicating unreliable reporting. 

Because the same account is being reported with conflicting financial terms and status details, it can not be reasonably verified. This inaccurate reporting is causing ongoing harm to my credit profile.

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 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Re : Account Number:XXXX Original Creditor : LVNV FUNDING LLC To Whom It May Concern, I am writing in response to your recent communication regarding the account referenced above. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor. 

Documentation showing that LVNV Funding LLC has the legal right to collect this debt, including proof of assignment or purchase of the account. 

A copy of the original signed agreement or contract that created the obligation. 

The date of default and the date the debt was acquired by LVNV Funding LLC. 

Please note that this request is not an acknowledgment of responsibility for this debt. Until you provide the requested validation, you must cease all collection activity and reporting to credit bureaus in accordance with the FDCPA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX MD XX/XX/2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: VA

Complaint narrative:
I receive SSI benefits through a XXXX XXXX debit card issued by Comerica Bank. I became aware that there was an unauthorized subscription taking monthly payments out of my account. I was then assisted to set up a new card, to do so, I was told I needed to go through the approval process. I was approved for a replacement card twice. I was then told the card was sent and to expect it within a week. It never came, so I checked on it by calling again & then was required to reapply again. I have been unable to reach customer service for over a week after attempting to call again to get my new card to come. I do not have access to my SSI funds, or account, and need immediate resolution. I am a XXXX elder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I have attempted to reach out by telephone to Huntington Bank numerous times to cancel a XXXX XXXX I no longer use or need and have not used for XXXX years. Using their automated system which appears to be overwhelmed with calls, I used their offer to schedule a callback to no avail. During the first callback I did speak to a customer service individual and explained that I wanted to cancel the credit card, and I was promptly transferred to another number where I was put on hold and hung up after XXXX minutes of no one answering. I then attempted again XXXX times to schedule a callback which I received a recorded confirmation that someone " would be with me shortly '' but no one ever answered. Since I had given them my name and my reason for calling it became almost certain that I am not going to be helped by anyone. I have already replaced this card with others that are more user friendly while also increasing my credit line, so this card is of no value to me. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/year> I requested statements from XXXX. XXXX Days later and they still have no provided even a timeline of when they will be able to get them to me via XXXX. I have called several times and supervisors XXXX and XXXX were not able to help me at all, and said they couldn't tell me when I would be provided the information and gave no guarantee that I would receive it in a timely manner. I have no ability to look at old statements myself and need these for a tax audit deadline.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: IL

Complaint narrative:
XXXX sent a bill regarding a damaged car ( rented in late XX/XX/XXXX ) through the debt collection company Viking Services. XXXX  required documents before assisting with covering damage costs and loss of use, but never heard back from XXXX nor was notified they had transfered my case to Viking Services, until I was notified on XX/XX/XXXX. For XXXX weeks I have been in contact with my case handler at Viking Services who claimed she sent my document via email, but I never received them ( she also offered to send them physically through mail but those never came through either ). Around the end of XXXX I gave the case handler the contact information to directly send the documents and also a representative at XXXX her email to see if they could exchange documents, but the fleet utilization log was excluded. 
I was advised by auto insurance agents to receive the fleet utilization log to have substantiated costs for the loss of use charge, and during the first week of XXXX I attempted to call XXXX customer services to see if I could get the document from them since Viking Services was uncooperative with sending it. XXXX refused to give the document and redirected me back to Viking Services and recommended speaking to supervisors, but both supervisors have so far been unresponsive to emails requesting the document and call back requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is reporting a collection on my credit reports. It says the original debtor is XXXX XXXX which is a pay day loan company. I have not taken out a payday loan in over 20 years. It says the debt is from XX/XX/year>. Any loans I have taken out in the last 5 years have been in person and I had to sign paperwork in front of the loan processor. I also have a 100 % payment rating. I have never missed a payment in over 20 years. This charge, that is not mine, is holding my mortgage I am trying to get. I sent an email to the company about this charge but they never responded. I need to get this removed from my credit ASAP as it is not my debt. I have disputed the charge with the credit bureaus 5 times but they denied the dispute because the company has some of my information. They have never provided, or had to provide, proof of my signature or the account the money was sent to. Those XXXX items would prove the debt belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This complaint concerns a charged-off credit card account reported by WFBN ( A ). 

Upon reviewing my credit reports from XXXX XXXX XXXX XXXX I discovered multiple material inconsistencies and inaccuracies in the reporting of this account, which violate the Fair Credit Reporting Act ( FCRA ). 

Specifically : -The account is reported as Collection/Charge-Off on all three bureaus, yet the credit limit and high credit are inconsistently reported :. XXXX  shows a credit limit of {$13000.00} and high credit of {$17000.00}. XXXX  shows a credit limit of {$13000.00} but high credit of {$0.00}. XXXX  shows credit limit of {$0.00} but a balance and past-due amount of {$17000.00} A balance of {$17000.00} is being reported while the account is simultaneously shown as charged off, with no consistent payment terms or limits, which is misleading and inaccurate. 

The account shows XXXX XXXX monthly payment but is still reported as past due, which is contradictory. 

The Date Opened and Last Reported dates also differ across bureaus, further demonstrating unreliable reporting. 

These discrepancies indicate that WFBN ( A ) is not reporting complete, accurate, or verifiable information, as required under 15 U.S.C. 1681s-2 ( a ) and ( b ). 

Because the data is inconsistent across bureaus, it can not be reasonably verified and is causing ongoing harm to my credit profile.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I sold a XXXX XXXX vehicle tuning device in-person, face-to-face after messaging with the buyer on XXXX. I stated that the sale is " as-is. '' He then proceeded to get me locked out of my XXXX XXXX online banking as well as permanently banned from Zelle for not refunding him for an AS-IS transaction even after saying the terms of the sale and allowing him to inspect the item before purchase. 

Upon contacting Zelle by phone, my XXXX XXXX online banking was unlocked HOWEVER my access to Zelle was still banned, making me unable to send or receive money with family, something I need to do every week. 

Upon visiting XXXX XXXX bank in person, I was told that Zelle is an independent contractor and not run by XXXX XXXX. The banker called Zelle for me, where I learned that the buyer attempting to scam me by keeping the item and his money stated to Zelle that he " DID NOT '' receive the item, even though I handed it to him in person during the transaction. 

I was told that I have no recourse to ever use Zelle again, as my access to Zelle is banned/blocked until and unless the scamming buyer decides to remove his claim against me. Why would a scammy criminal who got the item and his money back withdraw his claim? Think from a XXXX perspective. 

I rely on Zelle weekly to send and receive money from family and friends. This has severely affected my ability to pay bills without receiving money from family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB XXXX XXXX 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
The fraud happened XXXX XX/XX/XXXX. {$12000.00}. My credit card was from somebody that claimed they were from Bank of America said somebody is trying to take {$12000.00} out of my card, I didnt even know you can get that much it says cash advantage is XXXX so how in the world did they get XXXX on my credit card. he kept tell me it was somebody in the office so dont call the office and they called me every day they were aggressive not to call the office and they said youll get a text on your phone asking Im trying to take XXXX off my card. before they called me I said no then they called me they said you got ta say yes cause were trying to catch this person. And if I call the office, then theyll know that theyre onto the person trying to take it. And they sent it a couple times, and he said your Text will be coming again say yes. So I thought, how do you know if Im gon na keep getting this text if theyre not Bank of America XXXX So I said yes. I can not afford to pay this XXXX back that I did not take. I need help.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I have a XXXX  XXXX  account that monitors credit and see over {$1000.00} on credit report. I contacted number on report and it was a fax number. So I XXXX  them and called them. The refused to tell me any information until I pay {$1.00}. I believe this is fraudulent charge to begin with and require me to pay {$1.00} for information from collection company. Im worried as I gave new address and phone number but wouldn't give debit card info to SCAMMERS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy Federal placed my account in a negative balance after I was the victim of a scam involving fraudulent checks, and they are refusing to assist or properly review my case even though I have provided proof. 

What Happened : I was contacted by someone who pretended to offer me a legitimate job opportunity. As part of the job, they instructed me to deposit checks and then transfer the funds to them. I later discovered that this was a scam. The checks were fraudulent, and Navy Federal allowed the funds to be available before verifying the checks. Once the checks returned, my account was pushed into a negative balance. 

I did NOT knowingly participate in fraud, I did not benefit from the money, and I have full documentation of the scam, including texts, messages, screenshots, and instructions that clearly show I was manipulated. 

I have also filed a police report, which I can provide. 

Problem With Navy Federal : Despite providing evidence that I was a victim of a scam, I was told by Navy Federal that there is nothing to dispute because the transactions were completed on my behalf, even though I was misled and acting under false pretenses. 

Navy Federal has refused to : Review the situation as a fraud case Escalate my case to a fraud supervisor Offer any assistance or options Explain why the checks were released before verification Their refusal to properly investigate has left me with an unfair negative balance that resulted entirely from a criminal scam.

Consumer Impact : This negative balance is preventing me from accessing banking services and is causing financial hardship. I am simply asking for a fair review of my case as a fraud victim. 

What I Want : I am requesting : 1. A full review of this incident by Navy Federals fraud management or upper-level review team.

2. A reevaluation of the negative balance caused by fraudulent checks that were released by the bank before verification.

3. Assistance or resolution for the account balance created entirely due to a scam I reported with evidence and a police report. 

I am willing to provide all documentation upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation