vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
I do not recognize this account. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK HOLDING FUNDS AFTER XXXX VERIFICATION FAILURE Summary of the Issue : Chase Bank is holding {$49000.00} in deposited checks due to a XXXX verification failure, despite the checks being legitimate and already withdrawn from the issuing accounts. Chase refuses to release the funds or contact the check issuer to verify, and has stated that only XXXX can resolve the issue. It has been over a month and my funds remain frozen. 

Details of the Problem : I opened a new business account with Chase Bank on XX/XX/year>. 
On the same day, I deposited {$49000.00} in checks issued by XXXX XXXX XXXX XXXX, the corporate office and owner of the accounts the checks were drawn from. 
Chase accepted the checks, processed them, and the funds were withdrawn from XXXX XXXX accountsconfirming the checks were legitimate. 
After processing, Chase refused to release the funds to me, claiming a XXXX verification failure. 
Chase stated that the fraud alert was triggered because the phone numbers associated with the issuing accounts did not match what XXXX has on file. 
Chase refuses to contact XXXX XXXX XXXX XXXX directly to verify the checks, stating they can only rely on the phone number XXXX provides. 
I have spoken with multiple Chase employees, including branch staff, managers, and business banking managers. All have stated that their hands are tied and that only XXXX can clear the issue. 
I have contacted Chases fraud department numerous times. They acknowledge the situation but say their system will not allow them to release the funds. 
It has now been over a month, and Chase continues to hold my money without providing a resolution or timeline. 
Chase has taken the funds from the issuer but refuses to release them to me, effectively freezing my money without cause. 

This has caused significant financial hardship and disruption to my business operations. Chases refusal to resolve the issue or communicate with the check issuer is unreasonable and has left me without access to nearly {$50000.00} of my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
I was charged for XXXX and XXXX by the company XXXX I didnt make this purchases and they denied me the dispute, i sent proof and that didnt work!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: MT

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MT XXXX Company : Driveway Finance Corporation Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary : I refinanced my auto loan with XXXX XXXX XXXX XXXX . To avoid a late payment during processing, I mailed a payment of {$1500.00} on XX/XX/year> via XXXX. XXXX XXXX subsequently mailed a full loan payoff. Driveway Finance failed to properly credit either payment and treated my account as delinquent. This resulted in improper credit reporting risk and an overpayment situation. I am requesting : - Immediate investigation and trace of both payments - Suppression and correction of any negative credit reporting - Prompt refund of overpayment This is a clear servicing and billing error under federal consumer protection law. Signed, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting and handling of an auto loan account associated with a vehicle that was repossessed and later deemed a total loss. 

I would like to state that the vehicle was totaled due to hazardous road conditions, specifically a pothole in the roadway. The damage was not the result of negligence, reckless driving, or intentional misuse on my part. The incident was unavoidable and occurred due to circumstances beyond my control. 

Additionally, I experienced a significant loss of personal property as a result of the repossession. Personal items that were inside the vehicle at the time of repossession were not returned to me, resulting in financial loss and personal hardship. These items were essential and held personal value, and their loss has caused ongoing distress. 

The combination of the unexpected total loss of the vehicle, the repossession, and the loss of my personal belongings created a severe financial and emotional hardship. This situation has negatively impacted my ability to maintain transportation and has caused lasting stress and instability. 

Given these circumstances, I am requesting a thorough review and investigation of this account, including how the repossession and total loss were handled and how this account is being reported on my credit. I respectfully request that any inaccurate, unfair, or unverified information be corrected or removed from my credit report. 

Please provide written confirmation of the results of your investigation and any actions taken regarding this dispute. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Please review the attached debt validation letter addressed to Milestone/XXXX XXXX XXXX XXXX on an alleged debt of {$450.00} on account # XXXX XXXX XXXX XXXX XXXX Also, I am submitting this complaint regarding XXXX XXXX XXXX XXXX ( Milestone Credit Card ) for violations of the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate, inconsistent, and misleading information to consumer reporting agencies. 

I will attach a screenshot of how it's being reported to my consumer report. 

The same Milestone credit card account is being reported materially differently across XXXX, XXXX, and XXXX, making the tradeline unverifiable and inaccurate. 

Specifically : Conflicting Account Status XXXX and XXXX  report the account as CLOSED XXXX reports the same account as OPEN A furnisher can not lawfully report contradictory account statuses for the same account. This violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( failure to correct and update information ) Impossible and Inaccurate Credit Limit Reporting Credit limit is reported as {$300.00} High credit and balance are reported as {$450.00}, exceeding the stated limit XXXX simultaneously reports  {$0.00} balance and current status This reporting is mathematically impossible and materially misleading, violating : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) CFPB Furnisher Accuracy and Integrity Requirements XXXX XXXX reporting standards Contradictory Delinquency Reporting XXXX and XXXX report the account as 60 days late XXXX reports the account as current with a {$0.00} balance An account can not be both delinquent and current at the same time. This constitutes inaccurate and misleading furnishing under : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Improper and Inconsistent Payment History / Re-Aging Concerns The account is reported with late activity extending after closure Reporting timelines and last payment dates conflict across bureaus This raises concerns of illegal re-aging in violation of : 15 U.S.C. 1681c ( a ) ( 4 ) Because the information furnished is internally inconsistent and materially inaccurate, it can not meet the FCRA requirement of maximum possible accuracy. 

These inaccuracies have caused : Damage to my credit profile Artificial inflation of utilization Improper derogatory payment history Ongoing reputational and financial harm The furnisher has a non-delegable duty to ensure accurate and consistent reporting. Furnishing conflicting data to different credit bureaus is not a correctable dispute difference, but a material FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$520.00} in cash at a Bank of America ATM. The ATM malfunctioned, retained my cash, and did not credit my account. I waited inside the ATM for over XXXX minutes to ensure no theft occurred and took time-stamped photographs showing the date and time ( XXXX XXXX to XXXX XXXX ). After confirming the cash was not returned, I left and immediately reported the issue to Bank of America on XX/XX/year>, and a claim was opened. 

Since then, I have made four follow-up calls, including two financial hardship claims, clearly stating that I am experiencing severe difficulty. However, my hardship was misdocumented as needing funds for bills, when in reality I currently lack food, medication, transportation, and access to shelter. Based on this incorrect documentation, my hardship claims were wrongfully denied. 

The most recent supervisor I spoke with, XXXX from Arkansas, confirmed my account notes were updated but stated that the dispute research department would not review the claim until Wednesday, and no interim assistance could be provided. 

Adding to the urgency, a severe snowstorm in my area prevents me from traveling safely to my home, and I do not have money for gas. I am currently unable to meet basic necessities, and the ongoing delay in resolving this dispute is causing immediate and critical hardship. 

I am requesting the CFPBs assistance to ensure Bank of America provides interim credit for my deposit and conducts a full review of how this dispute was handled, including accuracy of account notes, denial of interim credit, and compliance with consumer protection regulations. I have time-stamped photographs and documentation of all calls to support my claim. 

I want to add they charged me a fee from no funds and a fee lasting cell phone bill. 

I can screen shot my phone bill is due 2 days ago and I beg who ever reads this can help me resolve this matter ASAP Can you actually believe this? Its my medical condition and no medication and food with no gas. 

Please take this complaint seriously. I made sure to explain to you and who ever reads this very clearly on what is going on. 

My name is XXXX XXXX. 
My cell phone number - ( if still active ) XXXX. 

Thank you

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 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was inside a XXXX XXXX XXXX store and applied for a credit card using my mobile phone, believing I was on the official XXXX XXXX XXXX XXXX Synchrony Bank website. The application process appeared legitimate and professional. 

After completing the application, the website provided a reference code and instructed After completing the application, the website provided a reference code and instructed me to call a phone number to activate the credit account. An automated system answered the call identifying itself as Synchrony Bank, and the process appeared consistent with a legitimate bank activation flow. 

During the call, I was asked to verify personal and sensitive information, including my full name, address, and Social Security number. At the time, I believed I was speaking with an authorized Synchrony Bank representative, as the call flow, language, and responses sounded professional and legitimate. 

I was told that my credit account had been approved with a limit of approximately {$2000.00} and that the credit card would be mailed to me within several days. 

After approximately nine days passed without receiving the card, I became concerned and independently researched the official contact information for Synchrony Bank. At that point, I discovered that the phone number I had been instructed to call was not associated with Synchrony Bank. 

I then realized that I had been the victim of a sophisticated impersonation and identity theft scam. The individuals involved falsely represented themselves as Synchrony Bank and collected my personal information under false pretenses. 

Once I became aware of the situation, I immediately stopped all contact and began reporting the incident to the appropriate authorities to prevent further misuse of my personal information.

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 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello I fell behind on my mortgage payments in the fall, but I brought my account fully up to date by the end of XXXX. Unfortunately, several of my payments were misapplied by U.S. Bank, resulting in incorrect late fees being assessed and my account continuing to reflect missed payments. 

I have contacted U.S. Bank multiple times regarding this issue and have been assured by representatives that the misapplied payments would be corrected. However, the account continues to show late each month. When I called again today, the representative was unable to locate my account in the system. 

Resolving this issue has been extremely challenging, and I am requesting immediate assistance to ensure my mortgage account accurately reflects my payment history and current status. Originally, the bank mishandled my HELOC, which you were able to help me resolve through my previous complaint. Now it is my mortgage that is at issue in their system. 

Please advise on the next steps to correct this matter as soon as possible. Thank you for your 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CR SYST INTR is falsely reporting on my credit. I have never had any accounts with them. Per my research CR SYST INTR is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Summary of Mortgage Servicing Complaint PennyMac Loan Services I am submitting this complaint regarding serious FHA loss mitigation and mortgage servicing failures by PennyMac Loan Services. My FHA Mortgage Assistance Application was confirmed complete as of XX/XX/XXXX, and I have remained actively engaged and responsive throughout the review process. 

Despite this, PennyMac communicated multiple conflicting trial payment amounts verbally, failed to issue written trial payment documentation timely, and in some instances, referenced retroactive payment due dates. I never accepted, signed, or received proper written notice of a valid trial payment plan. Trial amounts changed multiple times, including amounts exceeding my verified monthly income. 

Nevertheless, PennyMac designated my file as a Trial Payment Plan Default and issued a notice dated XX/XX/XXXX, stating I was ineligible for modification due to failure to make trial payments that were never properly issued. My online portal continues to reflect an active, pending review, which conflicts with verbal communications and default notices. 

PennyMac also failed to evaluate me for all available FHA loss mitigation options, advised that I should speak to a realtor, and stated I may be barred from reapplying for loss mitigation for 24 months, despite never completing or accepting a permanent modification. 

I have escalated this matter to the FHA XXXX XXXX, and FHA has confirmed the issue has been elevated to senior management at PennyMac. Due to the ongoing risk of foreclosure and procedural errors beyond my control, I am requesting CFPB intervention to require correction of servicing errors, removal of the improper trial default, confirmation of foreclosure protection, and a compliant review of all FHA loss mitigation options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got locked out of my account and received a message error saying too many invalid log in attempts when I had only logged in once that day. I called the company and they sent me a link to provide identification verification and I waited and received no update and have been locked out of my account for two months unfortunately making me miss payments since Im unable to pay online at all. It also says I have insufficient funds on th card meaning the money on the car including my rewards are no longer there when I didnt spend them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXXl purchased an OLD debt from cash net in which has been continuously reported to my credit report after speaking to them and informing them to remove it from credit report. They get rude and threatening on the phone and I never agreed to them purchasing my debt. This should have been written off already as it passes the statute of limitations with the original company and they were not authorized to purchase my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MA

Complaint narrative:
COLLECTION is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 2026-01-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: OH

Complaint narrative:
I engaged the services of Five Lakes Law XXXX to contact some of my creditors to negotiate with the creditors and try to lower my debt. After six months, they have only negotiated one of five accounts. My credit score has dropped XXXX points because the other four accounts are listed as being deliquent. Additionally, I pay them $ XXXX, of which they only attribute {$330.00} to my debt and the rest is their " fees ''. When I signed up for the program, they told me they would not be paid until my debts were paid. When I brought this up to a representative, he told me to look at my contact in " section 4 '' which authorized charging of fees. I feel defrauded by this whole experience.

Company response to consumer: Closed with explanation