vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that XXXX, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint [ XXXX ] ), along with PROOF that I was impacted by Data Breach. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: DC

Complaint narrative:
I traded in my XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX, at which time the dealership took possession of the vehicle and agreed to pay off the existing loan based on a payoff amount verified by XXXX XXXX XXXX XXXX {$31000.00}. The dealership relied on this lender-provided payoff amount and submitted payment to satisfy the loan, and I relied on the dealership to complete the payoff as part of the transaction. The loan was ultimately paid in full through this process. However, XXXX reported my account as delinquent on or about XX/XX/XXXX, which is negatively impacting my credit. This reporting is inaccurate and materially misleading because any temporary balance or delay in payoff was the result of a payoff processing discrepancy or timing issue between the lender and the dealership, not a failure on my part to make payments. At the time the delinquency was reported, the account was in the process of being satisfied through a dealership-facilitated payoff based on a lender-verified amount. Both the dealership and I relied on the payoff amount provided by the lender, and the resulting delinquency does not accurately reflect my payment behavior. Despite the account ultimately being paid in full, my credit was negatively impacted by this erroneous reporting. I respectfully request that this delinquency 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 explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I attempted to contact my company about the interest rate that they were charging me at 34 % despite the fact that it is required by law that if you are a member of the armed forces and go on a XXXX all creditors are required to only charge you an interest of 4 %. This is the problem that i face. and was not resolved and i was paying for that interest for a whole year. This problem was never addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
I am formally disputing the alleged debt of {$1200.00} ( Ref # XXXX ) on behalf of XXXX XXXX XXXX XXXX XXXX XXXX as I vacated this property over XXXX years ago and received XXXX move-out inspection, XXXX itemized damage statement, and XXXX communication until this collection appeared a direct violation of XXXX XXXX XXXX which forfeits the original creditor 's right to collect entirely. Under FDCPA Section 809 ( b ), you are required to cease all collection activity immediately and produce dated move-out photographs, a signed inspection report, and the original contractor invoice for the alleged tub resurfacing none of which exists. Under FCRA Section 611, this unverified debt must be permanently deleted from all credit bureaus, and any continued reporting after receipt of this dispute constitutes willful noncompliance carrying statutory damages of {$100.00} {$1000.00} per violation plus punitive damages and attorney fees. you can also see in the attachment photo XXXX XXXX XXXX that their own management company, said back on XX/XX/year> all rental agreements were PAID, CLOSED, WAS PAID AS AGREED. this is from the direct screen shot of the transunion credit reporting of that rental agreement back in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a new account with Citi bank XXXX funded it with the XXXX bucks they charge u to open it with, I have my XXXX deposits going there the whole XXXX, I sold my XXXX collection online cause I was hurting for rent cause they cut my hours at work an I needed that money so I didn't become homeless u know, well I meet up with this guy who buys my whole set I was so happy, for XXXX now I meet him thru XXXX, XXXX know XXXX XXXX XXXX? We meet at my home he comes to my house now by this time u know I checked him out ran his name an everything. So I know this guy is legit so he tells me that he can write me a check for the amount an that everything seemed fine an on the level so he writes the check I go deposit it an Citi bank closes my account, stating fraud but know this the man 's wife has a Citi bank account an they know this guy at least have his number on file so they won't tell me why they are doing this now the whole time the guys check clears I mean clears his bank an everything not Citi bank putting up the money first, no the bank sends the cash but by this time mind u they can call dude anytime to verify the check but they steadily are treating me like it's fraud they won't release my money there closing the account an pretty much stole my money, all while I'm evicted now cause of it an my life is sitamatically going to XXXXXXXX. Now just know I get in touch with dude an he says he will call the bank an straighten everything out for me so I call them back an they make me wait while they try to get ahold of him an no answer just voice mail, all the while my money is sitting there an they won't let me access it XXXX there's something someone can do my life is XXXX XXXX an I really need my money can any one help me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX account was hacked by a hacker, known as Draft. The hacker held XXXX account XXXX and demanded a payment in XXXX of {$700.00}. The hackers breach of XXXX account resulted in a loss of personal sensitive data, deletion of years of communication, and breach of retail account information. With the breach of XXXX XXXX account, the hacker was able to access XXXX XXXX account. XXXX filed several cases with XXXX about the hacker, and the case numbers were XXXX, XXXX, and XXXX. XXXX also notified XXXX about the unauthorized transactions. Some of the unauthorized XXXX orders were XXXX, XXXX, XXXX, and XXXX. On XX/XX/XXXX, XXXX filed a claim with TD Bank for {$2700.00} with claim number XXXX. The claim was for many transactions made fraudulently by the hacker through XXXX, XXXX, and XXXX XXXX. XXXX was notified that TD Bank completed the review and found that an error did not occur. TD Bank also notified XXXX that XXXX authorized similar transactions, and the spending pattern was consistent with previous account spending history. XXXX never had a history with XXXX XXXX or XXXX. On XX/XX/XXXX, XXXX from TD Bank informed XXXX that there was no way to reach out to the disputes department. XXXX also said the only way XXXX could provide evidence to the disputes department was to go to the local branch. XXXX never offered the fax number. TD dispute claim department never notified XXXX whether they requested more info or evidence. Also, there is no way to contact TD dispute department directly nor other technological opportunities on how to upload additional info or evidence exists, except for the fax, which is unacceptable because the complaint in question contains more then XXXX pages in total and can not be faxed in its entirety. XXXX had received messages from TD Bank that they had identified fraudulent charges. XXXX replied to the messages to inform TD Bank that they were not authorized charges. TD Bank never reached out to XXXX for evidence, and XXXX did not have a way to contact the disputes department by email or any other way. XXXX called the number provided by TD Banks messages, and XXXX informed the security team that he did not authorize the transactions and asked TD bank security team to take immediate action, which the security team assured they would. XXXX believes that if the security team had taken immediate action, the unauthorized activity would have been prevented.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing late fees and interest charged by Synchrony Bank. My account is set to autopay. A payment of {$120.00} was posted on XX/XX/XXXX, before the due date of XX/XX/XXXX. Despite this, Synchrony charged a late fee of {$33.00} on XX/XX/XXXX and additional interest charges. A similar issue happened again : Payment of {$120.00} on XX/XX/XXXX XXXX fee of {$43.00} charged on XX/XX/XXXX In both cases, payments were made before the due date and should have satisfied the minimum payment. The minimum payment was approximately {$120.00}, and any small interest ( about {$2.00} ) does not justify a late fee. Synchronys response did not explain : Why a payment posted before the due date was considered late Whether the payment satisfied the minimum due for that billing cycle Why my minimum payment increased without clear notice I am requesting : Removal and refund of all late fees and related interest A clear explanation of how payments were applied to billing cycles Documentation showing how the minimum payment was calculated and when any increase was communicated I believe this may violate billing error protections under the Fair Credit Billing Act.

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 2026-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
Description of Incident : I am filing this complaint against BSI Financial Services for a failure to properly reconcile and refund unapplied funds and escrow overages following the payoff of loan # XXXX on XX/XX/XXXX. 1. Unallocated XXXX Payment : On XX/XX/XXXX, I made a full monthly payment of {$3200.00} via ACH from XXXX XXXX XXXX XXXX ( Proof of payment attached ). However, BSIs own transaction ledger dated XX/XX/XXXX shows that for the XX/XX/XXXX " XXXX '' entry, only {$2300.00} was applied to the account ( {$2100.00} interest and {$270.00} principal ). This leaves an unexplained discrepancy of {$830.00} from that single transaction that was never credited to my principal balance or returned to me. 2. Failure to Refund Principal Overpayment : The loan was paid in full via wire on XX/XX/XXXX. The ledger shows that BSI moved {$320000.00} into an " Unapplied '' status on that date. Because I had already made a full principal and interest payment on XX/XX/XXXX, the payoff quote ( generated XX/XX/XXXX ) resulted in a double-charge for a portion of the principal. BSI has failed to reconcile this " Unapplied '' bucket. 3. Incomplete Escrow Refund : On XX/XX/XXXX, BSI issued an escrow refund check of {$2500.00}. This amount fails to account for the final escrow contribution made with my XX/XX/XXXX payment. My records indicate a total escrow and principal overpayment balance of approximately $ XXXX remains outstanding. 4. Refusal to Audit : I contacted BSI management ( AVP of Payoffs ) to request a manual reconciliation of " Total Funds Received '' vs. " Total Balance Reduction. '' BSI denied this request, claiming the numbers were " standard, '' despite the ledger clearly showing unallocated funds in the " Unapplied '' column. Desired Resolution : I am requesting a full, manual accounting audit of all funds received between XX/XX/XXXX, and XX/XX/XXXX, and a refund check for the remaining principal and escrow overage currently held by BSI.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> they took {$31.00} out of my account and it was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding XXXX failure to properly investigate and resolve a billing error dispute involving significant credit card charges related to high-risk online gambling transactions. The disputed transactions were reported to XXXX and a claim was opened. XXXX initially issued temporary credit, confirming that a billing error investigation was underway under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ). I provided supporting information, including a police report documenting unauthorized third-party involvement and financial exploitation related to these transactions. Despite this, XXXX later closed the claim and asserted that the charges are valid. However, XXXX has failed to provide any meaningful documentation of its investigation or the basis for its conclusion. Specifically, XXXX has not provided : A description of the investigative steps taken Evidence demonstrating valid authorization of the transactions Any merchant-provided documentation supporting the charges Verification that the gambling merchants were legally authorized or compliant Instead, XXXX issued conclusory statements that the charges are valid without addressing the specific facts and evidence provided. Additionally, XXXX has : Continued to demand payment of the disputed balance Assessed late fees and interest Treated the account as delinquent Moved the account into a collections posture These actions appear inconsistent with the Fair Credit Billing Act and Regulation Z requirements regarding disputed transactions. The transactions in question involve high-risk online gambling merchants, which require enhanced verification and authorization safeguards. XXXX has not demonstrated that such safeguards were applied or that the transactions were properly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
" I am a XXXX XXXX. Current ( the bank ) has permanently closed my account but is refusing to release my remaining balance. They are demanding invasive 'selfies ' and external commercial bank statements from my XXXX business account as a condition for returning my own funds, despite already having my verified address on file where they previously mailed my debit cards. I have formally requested the closure and return of my funds via email ( from my university address : XXXX ), but they have remained unresponsive. They are effectively holding my money hostage and interfering with my financial stability. I am requesting the immediate issuance of a refund check to my address of record : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My problem involves the XXXX issue. My mother was sick and out of town and I found out my home was being sold on the county steps. I thought i was in a loan modification with Wells Fargo. When I called my loan Mgr he didn't know anything about, looked in his computer and then said, oh yes. I didn't have time to dwell on it. I recently heard there had been class action suits pertaining to this problem but people had been notified if it pertaining to them. I was never notified. Was it because I was never foreclosed on only stolen and my property plucked from my hands. My loan documents destroyed in a flood in my storage outside. Please advise!

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 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding its failure to provide adequate notice of a significant payment increase. I have been a customer for over XXXX XXXX and am familiar with their inconsistent communication practices. Their system relies on generic emails directing customers to log into a portal, rather than clearly communicating important changes. Beginning in XXXX, my monthly payment increased by nearly {$1000.00}. I received no clear or direct noticeno email explaining the change, no text, and no meaningful alert. I only learned of the increase in XXXX after receiving a call that my payment was rejected for insufficient funds. This overdraft occurred solely because I was not properly notified of the new payment amount. Despite this, the company has refused to waive the insufficient funds fee. I request : Reversal of the fee ; and Review of the companys notification practices. Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX I opened this account with a high-interest line of credit that carries an extremely high XXXX ( approximately XXXX % ). I believe this loan structure is unfair and causes severe financial harm due to rapidly accruing daily interest and limited repayment flexibility. I previously contacted the company in writing requesting : debt validation and clarification of loan terms, review of interest rate legality, and hardship consideration due to inability to afford payments. I did not receive any response to my written request. Because of this lack of response, I am now requesting CFPB assistance to ensure the company addresses my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I sent a written debt validation request via XXXX XXXX Mail to Cavalry Portfolio Services , LLC regarding a collection account of {$9600.00} ( original creditor : XXXX XXXX XXXX XXXX, auto repossession deficiency ). I requested the original signed contract, UCC Article 9 notices, repossession sale records, and deficiency balance calculation. Cavalry responded in XX/XX/XXXX with a generic letter stating the account was " verified '' no documentation was provided. I filed CFPB Complaint # XXXX in XX/XX/XXXX. Cavalry responded in XX/XX/XXXX with a generic narrative letter that failed to provide any supporting documentation. In XX/XX/XXXX, Cavalry issued a third substantially identical response to a credit bureau dispute, again relying on conclusory statements without providing any underlying documentation or evidence of the alleged debt. Critically, in that response, Cavalry identified the " Current Creditor '' as Cavalry SPV I, LLC, which is a different legal entity from Cavalry Portfolio Services , LLC the entity that has been reporting the account and communicating with me. This material inconsistency has never been disclosed, explained, or reconciled, raising serious concerns about the accuracy and legality of the reporting. On XX/XX/XXXX, I sent a Second and Final Demand via Certified Mail, requiring deletion within 5 business days or the production of full validation, including chain of assignment and documentation required under UCC Article 9. Cavalry responded with yet another generic form letter, again failing to provide any documentation whatsoever. As of today, the {$9600.00} tradeline remains actively reported on XXXX XXXX XXXX XXXX More than XXXX months after my initial validation request, Cavalry has failed to produce a single document supporting its claim. This account is therefore unverifiable and inaccurately reported. Cavalrys continued reporting of this account, despite repeated notice and failure to validate, constitutes willful noncompliance under FCRA 1681n and violations of FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation