vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I am submitting this complaint regarding XXXX failure to timely update my account after full payment was completed and confirmed. 

My XXXX purchase ( BoohooMAN ) was not sold and remains owned by XXXX. XXXX assigned collection to a third-party agency, TrueAccord, acting solely on XXXX behalf. XXXX confirmed in writing that once full payment was made and updated, the account hold would be removed and my purchase power restored. 

Full payment of the outstanding balance was completed and confirmed on XX/XX/XXXX. Despite this, XXXX has continued to restrict my account and has stated that it XXXX take up to 90 days ( XXXX months ) for the payment to be reflected and for my account to be updated. 

XXXX has not provided any written policy, regulatory justification, or defined processing timeline explaining why a fully paid account may remain restricted for up to XXXX months. This position contradicts XXXX prior written confirmations regarding post-payment account release. 

I am not disputing the debt and did not refuse payment. The balance has been paid in full. The issue is XXXX continued restriction of my account and failure to timely update account status after confirmed payment. 

I am requesting that XXXX immediately update my account to reflect the paid balance, remove the account hold and any collection-related restrictions, and restore my purchase power as previously confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I financed a {$1500.00} jewelry purchase through Affirm. The merchant claims the item was delivered, but I never received it. 

The FedEx delivery photo does not show my apartment number or identifiable features of my door. I live in a multi-unit apartment complex where packages left unattended are accessible to the public. 

Despite this lack of verified proof of delivery, Affirm denied my dispute multiple times and continues to hold me financially responsible for merchandise I did not receive. 

The merchant failed to require a signature for a high-value item, and the carrier can not confirm delivery to my specific unit. I am requesting a fair review, removal of charges, and resolution of this billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: F.H. Cann & Associates, Inc.
State: MN

Complaint narrative:
FH CAnn & Assoc is reporting a debt on my credit report related to tuition charges allegedly owed to XXXXXXXX XXXX  FH Cann is a third party debt collector. 

I never received the required written validation notice from FH Cann. They did not send me any letter advising of the debt, my right to dispute within 30 days OR their intent to report the account to the credit bureaus. 

Phone calls do not satisfy statutory notice requirements. Reporting a debt without first providing written notice is inaccurate and unlawful. 

I am requesting that they remove the account from my credit report due to non compliance. Provide written confirmation of the resolution so matters can be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have bankruptcy hard inquiries student loans late payments

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I recieved an automated phone call from PNC 's fraud deparetment stating unusal activity on my account. I called the bank and they informed me I needed to come into the bank. The same day I went into the bank and gave them the debit card associated with the account. I met with XXXX, who completed a fraud report and issued me a new card. I asked XXXX if I needed to contact the police, he said, " No we will take care of everything ''. According to the online bank statement the following amounts were purchased with my debit card number. XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX XX/XX/XXXX {$78.00} XXXX. XX/XX/XXXX {$12.00} XXXX XXXX, XX/XX/XXXX {$40.00} XXXX. I did not make these purchases, nor did I approve the use of my account to make purchases. PNC provided provisional refunds to my account. On XX/XX/XXXX, PNC mailed me XXXX letters stating they had completed their investigation and that due to " Transactions details and customer 's historical pattern of use '', all but the {$12.00} purchase was deducted from my account, leaving my account minus {$610.00}. When I recieved this info it was XX/XX/XXXX, on XX/XX/XXXX I contacted XXXX Police Department, and at the request of XXXX XXXX, I reached out to XXXX, XXXX, XXXX and XXXX. I was able to obtain copies of the reciepts from XXXX and XXXX and requested video footage, which was denied, but was told it was available to the police. The police report number is XXXX. I returned to PNC Bank to dispute the charges with a copy of the police report, I met with XXXX again and he submitted another report. On XX/XX/XXXX, PNC mailed another letter denying my request for a refund stating the same reasons as before. Again I did not provide my card nor approve anyone using my account to make these purchases. I am confused at why the refunded me the smallest amount {$12.00} as it was a part of the fraud, but did not refund the full {$610.00} which was taken at the same time. I am getting fees associated with the removal of the funds. I feel like they are ignoring my request to refund my money and its causing issues for me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> I made an ATM CHECK DEPOSIT at A tWells Fargo Branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ATM ID XXXX CARD XXXX for {$2300.00} that was issued to me by XXXX XXXX XXXXXXXX. However the check did not clear, the funds weren't made available, the check was never returned to me. I keep getting the run around, they refuse to give me back the check that was deposit at the ATM Machine. I have been waiting months for Wells Fargo to Return the check. They continue to ignore me despite calling the ATM XXXX Department XXXX times week after week. Wells Fargo stole my money or my check which ever. The bank XXXX at the location listed above told me that I would neither receive the funds nor the check. In fact, she said that she would keep the money for herself and the money and the check is gone forever. Her name XXXX, she's a very wicked and mean women who has told me nothing but lies. As I know she has used the money to enrich herself meanwhile, I am experiencing a hardship of epic proportions. 

I tried to file a police report but was told this is a civil matter. Banks can steal money from account holders and keep it for themselves. They don't have to give it back because it's their policy and they don't have to tell me anything except leave the bank time and time again. Each time telling me the same thing, you're money is gone. Don't come here again asking for it back nor the check. 

The money and the check is gone. {$2300.00}. This has adversely affected my family creating as I said a hardship for me, my wife, children and elderly XXXX father who doesn't eat for days sometimes so that my children can have food. This past month he wouldn't eat for several days despite us telling him we have XXXX benefits now from the XXXX so he needn't go hungry anymore. But when he asks if the money has been returned from the bank, of course we say no so he doesn't eat. This has created a very bad situation for us as he had to go to the hospital due to the fall he had because he is weak from not eating. 

I'm also XXXX, my hands have severe XXXX. The loss of sleep, the endless stress that continues to plague me has only gotten worse with each week that passes. We can barely our bills due to the loss. The money was for our business that my wife managed but we had to close because the funds were stolen by Wells Fargo. We don't use the heat because our income has stopped after the business closed following the check and money was stolen. 

We suffer each, week and month but even the courts refuse to take up the matter asking us to pay court fees and attorney retainer is more than the amount itself.

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 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am submitting a complaint against Credit Acceptance Corporation regarding a predatory auto loan that has resulted in extreme financial harm and an ongoing disputed balance. 

The original vehicle price was approximately {$10000.00}. To date, I have paid over {$12000.00} on this loan, yet Credit Acceptance Corporation claims I still owe approximately {$12000.00}. 

The loan was structured using precomputed interest, meaning interest for the full loan term was calculated and added upfront. I was not clearly informed or did not understand that early payoff or voluntary surrender would not meaningfully reduce the balance owed. This critical feature of the loan was not adequately disclosed in plain language. 

After losing my job and experiencing a significant income reduction due to corporate relocation, I attempted to voluntarily surrender the vehicle. I was then informed that the vehicle would be sold at auction for a substantially reduced value and that I would still be responsible for a large deficiency balance that includes interest for the full loan term. 

I dispute the accuracy, fairness, and validity of the balance Credit Acceptance Corporation claims is owed. I have formally disputed the debt in writing and requested a full itemized accounting. 

I believe these practices are unfair and deceptive and consistent with widespread complaints and litigation involving this lender. I am requesting CFPB review and oversight of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
We left due to a mold violation on the apartments behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
XXXX XXXX, XXXX I can't log into my account. It has been a long time since I could see my account. During that time, I got a new phone #. 

My computer doesn't have a camera so I can't take a picture of my driver 's license for verification to log in. 

My new phone is not recognized for my account so I can't use that camera to varify who I am. 

I also changed banks from XXXX to XXXX XXXX XXXX XXXX. 

I need to talk to someone to figure this out but I have looked everywhere and can't talk to a human about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had XXXX savings accounts with Synchrony Bank which I recently closed due to constant poor service. The XXXX accts. each consisted of $ XXXX at an interest rate of XXXX  % which were both opened on XX/XX/XXXX. However, since then each time the bank was contacted for various reasons throughout the process, I received horrible service so we decided to close these accts. They posted interest on XX/XX/XXXX. However, the accounts were closed soon after on XX/XX/XXXX. They closed the accounts based on the XX/XX/XXXX balance only and never applied the additional interest which was due until the accounts were closed. I have reached out to their corporate office twice due to the lack of experienced reps at this bank when you call into their customer service number which results in you speaking with someone in the XXXX. I am done with trying to get action completed and I insist on them paying the additional interest for both of these savings accounts.

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I opened the Secured card with TD in XX/XX/year> to build credit and was told after 6 months card would graduate to unsecured. It has been 6 years, card a Has not graduated to unsecured and my credit is XXXX. I called and was told that the account is reviewed monthly, and that card has not graduated because of a late payment. When I asked when, the rep was unable to locate date so she mailed me all my statements for me to review. Nothing is on there. I noted that i have no late fees on my credit report. The rep XXXX said it is an internal reporting that is maintained by TD Bank different from what they report to the credit bureaus. This product is false advertising as it does not perform As advertised. They take your money to secure the card and place in a savings account earning 0.02 % interest while charging you 26.49 % interest on the card. Never late and I pay in full to avoid exorbitant interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account was permanently suspended on the XXXX of XXXX by the company. Before this I had received an email that my account had been temporarily suspended and I reached out to PayPal and I was assured once I upload my photo ID that my account would be re-instated. After submitting my document on the XXXX, my account was suspended on the XXXX with no explanation at all from the company. This is after I had such tremendous troubles with using some of the features on the app for a long period of time where they held my money hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
Hunter Warfields response confirms that no verification of the alleged debt existed prior to reporting, stating : a request for verification of the debt was not found. Despite this, the account was furnished to the credit bureaus. 

Hunter Warfield is attempting to reclassify my dispute as identity theft and require a police report. I did not allege fraud or identity theft. I disputed this account due to incorrect address information and lack of any lease or rental agreement. 

A debt tied to an address I never lived at or leased can not be valid. The burden remains on the collector to verify the existence of a lawful obligation before reporting. Shifting that burden to the consumer is improper. 

I am requesting deletion of this account due to failure to verify prior to reporting and continued inaccurate attribution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: NC

Complaint narrative:
I entered into a solar installation agreement with XXXX XXXXXXXX XXXX XXXX XXXX in XX/XX/year>. The system was financed through the Mosaic  platform in the original amount of approximately {$33000.00}. The sales presentation included representations that the solar system would result in meaningful monthly savings and lower my overall energy costs. These representations were material to my decision to proceed. 

After installation, the promised savings did not occur. My combined monthly solar loan obligation and XXXX XXXX XXXX bill exceeded my pre-solar energy costs. As a result, I received no financial benefit from the system, contrary to what was represented at the time of sale. 

I later learned that Mosaic XXXX XXXX XXXX, the loan originator, filed XXXX XXXX XXXX and servicing of the loan was transferred to XXXX XXXX XXXX ( a subsidiary of XXXX XXXX  ). I have formally disputed the loan in writing and requested rescission and cancellation of the financing due to material misrepresentation tied to the underlying solar transaction. I also requested that the account be placed in disputed status and that collection and adverse credit reporting be suspended during the investigation. 

I have not made payments on the loan because the transaction itself is disputed. I am not refusing to pay a valid debt ; I am withholding payment due to misleading sales practices that induced the loan. I am seeking regulatory assistance to ensure proper handling of my dispute, prevent improper collection or credit reporting activity, and facilitate rescission of the loan associated with the misrepresented transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited an Illinois state-issued XXXX XXXX XXXX  via mobile deposit. The deposit posted to my account, was marked cleared, and was included in my available balance on XX/XX/year>. I was allowed to transact against the funds for multiple days. 

After this reliance, the bank retroactively reversed availability and placed a deposit hold, causing returned items and an overdrawn account. Bank representatives provided conflicting explanations ( clearinghouse review, possible fraud, department closed ) and could not identify any specific Regulation CC exception under 12 CFR Part 229 justifying a post-availability hold. One representative stated they were unfamiliar with Regulation CC.

I requested escalation to Risk Management or Deposits Compliance and written confirmation of the Regulation CC exception being relied upon. This was not provided. This hold has caused financial harm, and the funds are intended for the immediate care of a child. I am requesting immediate release of the funds and reversal of any fees caused by this improper hold. I also have screenshots

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