vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was told by Truist that. I had a deferment of payment so I did not make a payment last month. They did not send me any mail. They did not tell me anything until last Friday. They told me last Friday that there was no deferment and my payment was late. I made the payment right there on the spot. Now I found out they marked to be laid on my credit report. My credit report has no negative marks on it so this has now destroyed my credit score and I want this fixed immediately. 
I filed other complaints in here to get the deferment. They offered me deferment in XXXX, XXXX. I accepted and they didnt give me the entire term promised. But a lady on the phone said they did so I did not make my payment but the second they called and told me that I was late last week. I made the payment right there. So they should not ever have marked me late. If theyre gon na mark me late, then Im gon na call my bank and get that payment put back into my bank account. 
Im gon na file fraud with my bank and make sure that money is returned to my account. Im not gon na have a late mark on my credit report when its their fault and also I want that money back if they decide theyre gon na scam me on this. Im gon na take this further if they dont fix this right away. Please remove this from my credit report.

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 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint against GoodLeap, LLC. regarding inaccurate credit reporting, failure to verify a disputed account, and inconsistent billing practices related to a solar loan that originated through XXXX, a company that has been out of business in the XXXX area since XXXX 
In XXXX I was approached by XXXX regarding a solar system. I later discovered that XXXX is out of business and unable to provide any verification of origination disclosures, contract terms, or warranty representations. Because the originating installer is defunct, GoodLeap can not validate the underlying transaction. 
GoodLeap is reporting this account under a different name. Not my legal name. It has been corrected as of now but prior to this dispute the name was reflected differently on their records, not as the name reflected on my government-issued identification. This identity mismatch alone renders the account unverified.

I disputed this account with the credit bureaus multiple times. Despite providing documentation, the bureaus stated that GoodLeap verified the account without producing any contract, application, or proof tying the account to my legal identity. 
Additionally, GoodLeap is billing me for a different amount than what is being reported to the credit bureaus. A recent billing statement from GoodLeap shows a total amount due of {$8700.00} with modified payment terms, while the credit bureaus report a charge-off balance exceeding {$28000.00}. These two figures can not be accurate. 
This inconsistent reporting constitutes inaccurate credit reporting, unfair collection practices, and false verification to the credit bureaus. I have formally requested a Method of Verification from XXXX pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: KY

Complaint narrative:
I am disputing an alleged debt being reported and/or collected by this company. I timely requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but the company has failed to provide proper verification showing that I owe the debt or that they have the legal right to collect it. 



Despite my written dispute, the company has continued collection activity, including reporting the account to credit reporting agencies and/or attempting to collect the debt. This is occurring without providing required documentation such as a copy of the original contract, itemized statements, or proof of assignment from the original creditor. 



As a result, inaccurate and unverified information is appearing on my credit report, causing financial and emotional distress. I am requesting that the company be required to either provide full legal validation of the debt or cease collection activity and remove the account from my credit report in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought out my lease XX/XX/XXXX, and was offered this vehicle service agreement. The term says 4 years or XXXX miles. However, I was told me that the finance manager who helped me the day I bought my lease made an error, and input the start date for those 4 years for when I started my lease in XXXX. This would mean the warranty would be expired less than 1 year after I purchased it.

I asked if they could make the start date when I purchased it, or be reimbursed the XXXX XXXXXXXX I spent. But, was told I could not be reimbursed, and that they could not change the date/apply the warranty to my actual purchase date since it was expired and it wasnt a New car when I leased it ( another error on their part ).

There is no end date on the contract, or notion for me to have assumed the warranty would have started 3 years prior to me even purchasing it, and ending less than a year after. Furthermore, when I have tried to try to call or email the general manager about the issue, I am left with no response, and given my number multiple days for no call to ever come leading me to believe they are ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: DISCOVER BANK
State: NV

Complaint narrative:
The customer service representative misinterpreted my last complaint. 

The card ending XXXX belongs to me and I did open it. 

Please close your investigation and restore my online login portal and purchase ability because its not what I wanted to happen.

Very unhappy with the quality of service and previous responce to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was scammed and sent someone bitcoin payments. Asked cash to stop the payments they said they couldnt. The payments are pending at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an AMEX Platinum credit card. This card includes a high annual fee but offers credits for XXXX XXXX, which I subscribe to with this credit card. For several months now, I have not been receiving my XXXX XXXX credit, which is offered as a Digital Services credit of {$25.00} per month. On XX/XX/year> around XXXX XXXX, I dealt with a very rude customer service rep named " XXXX '' on the chat in the AMEX app. The rep refused to credit me for these charges. But more importantly, the rep was very rude and did not help me at all. I'm very disappointed in how I was treated and I am considering switching to XXXX XXXX XXXX. I have never had such a bad AMEX customer service rep ever. And I have been an AMEX customer for a very long time. I am attaching a copy of the full chat transcript. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: AR

Complaint narrative:
On XXXX XX/XX/XXXX, I initiated a transaction of {$700.00} with Abound. After not receiving the funds in my XXXX XXXX  account, I contacted Abound multiple times on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX again to request a status update. I also contacted my receiving bank on XXXX XX/XX/XXXX, which requested a XXXX copy for further investigation. The remitting bank indicated that the XXXX copy was provided to the correspondent bank. Despite these actions, Abound has not responded or provided any updates. 

Amount Transfered- {$700.00} ( XXXX XXXX  ) Date of Transfer : XXXX XX/XX/XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I was scammed out of money I had a {$2500.00} charge on my account and they told me I waited too long to report it so I could not have a credit and the other telling me I have to wait till XXXX of this year to have a resolution which is ridiculous and I don't know what else to do I've tried talking to them and it does not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX sent a text message directly to me regarding my daughter 's alleged debt. I am not the debtor, nor a co-signer, and not authorized to receive information about her account. The text message identified the debt collector, named the original creditor as XXXX, XXXX XXXX stated the purpose was to collect a debt, and included a specific account number assigned to the alleged debt. This communication was not for the purpose of obtaining location information and disclosed private debt information to a third-party. After receiving the text, I contacted the company only to determine whether the message related to my own account. During that call, the representative confirmed the matter involved a debt and asked about my daughter 's availability. I informed them that I did not consent to third-party contact. This conduct appears to violate the Fair Debt Collection Practices Act ( 15 U.S.C. S1692c ( b ) and California 's Rosenthal Fair Debt Collection Practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
They said they wasn't sure that I'll be getting a refund.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint regarding USAA Federal Savings Banks refusal to investigate recurring unauthorized debit card charges on my checking account. 

From approximately XX/XX/XXXX through XX/XX/XXXX, I was charged recurring debit card transactions of approximately {$130.00} per month from XXXX XXXX XXXX. In some months, I was charged more than once in the same billing cycle. Additionally, these charges appeared under different merchant descriptors, making identification and timely discovery difficult. 

These charges were not authorized. My account with the merchant had been placed on hold, services were not being rendered, and I was later informed by the merchant that credits would be honored. Despite this, billing continued. 

I filed a dispute with USAA in XX/XX/XXXX. USAA closed the dispute without reviewing the merits, stating only that the dispute was filed outside of the Depository Agreement. USAA did not consider the recurring nature of the charges, the duplicate charges, or the misleading merchant descriptors. 

I am requesting that USAA reconsider and conduct a substantive review of these recurring and duplicate debit card charges, particularly the most recent charges and any months in which duplicate billing occurred. 

I believe USAAs refusal to investigate solely on timing, despite ongoing recurring charges and billing errors, is unfair and inconsistent with consumer protection principles.

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KY

Complaint narrative:
I have on several occasions asked the servicing company to stop reporting inacurate information to no avail. My loans were originally XXXX in XXXX but mohela continued to report a balance and growing interest even today. It has affected me adversely leaving and has prevented me from securing financial resolutions with my lower debt because of the appearance of an extraordinary amount of debt. If I am not mistaken does this not put them in violation of the FCRA. I made my last call to them XXXX of this week XX/XX/XXXX. I have made several other calls as well and still no one is fixing this. I also need to file a complaint regarding the credit reporting bureaus for their inaction in making the necessary corrections. I sent them a copy of the dischrge letter from Federal Student Aid as proof and they have still denied me a corrected file.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. A medical clinic XXXX XXXX XXXXXXXX used my personal information to apply for and open a loan with ( noXXXX XXXX XXXX ) without my authorization, without my signature, and without my consent. I only requested a quote. I have already filed an FTC report ( XXXX XXXX XXXX  ). This loan is fraudulent and I am requesting its immediate removal from my credit report and the closure of the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am writing to formally complain about the ongoing issues with my debit card repeatedly being flagged for suspicious activity, as well as the unacceptable level of customer service I received from your fraud department. 

My debit card is consistently blocked whenever I attempt to make legitimate online purchases. This has caused repeated inconvenience and disruption. I contacted your fraud department specifically because M & T Bank is the party blocking my card, yet I was not given a clear explanation as to why this continues to happen or how it can be permanently resolved. 

During my most recent call on Sunday evening around XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I was told to use the card on a future date, without any clarification as to when that would be or what steps I should take to prevent the issue from happening again. When I requested to speak with a supervisor or XXXX for further assistance, the agent refused, stated that no supervisor was available, and insisted on not providing any additional help. This response was unprofessional and unacceptable. 

I am filing this complaint due to the ongoing inconvenience your bank has caused and the lack of accountability shown by your fraud department. I need a XXXX to review my account, explain why my debit card is always flagged during online purchases, and provide a permanent resolution so that I can use my card without repeated interruptions. 
I expect bank management to address this issue promptly and contact me with a clear explanation and solution. Continued failure to resolve this matter will leave me no choice but to escalate the complaint further. 

Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>2026, I attempted to withdraw {$500.00} from a XXXX XXXX ATM using my cash App debit card. The ATM did not dispense any cash, but the full {$500.00} was debited from my cash app account.

I immediately contacted cash app to dispute the transaction. I did get an update on XX/XX/XXXX stating my dispute was being reviewed, cash app only credited my {$2.00} cent ATM fee and said my {$500.00} dispute was being reviewed. I then received an email on XXXX, XXXX, 2026 stating that my case was closed because a response was provided or its more than 3 days since theyve heard from me! I was waiting on them to investigate the ATM withdrawal about my {$500.00} I never received out the ATM. My reference number for the case is XXXX. 

My case was not properly investigated and the issue was not resolved, I did not receive any money from the ATM, yet was cash app card was debited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was contacted with a crypto investment opportunity that appeared legitimate. The individuals misrepresented themselves and the platform, providing false assurances of profits. I transferred {$17000.00} from my Wells Fargo account, which was then sent to wallets controlled by the scammer. I did not knowingly send funds to a legitimate investment, and this was clearly a case of social engineering and misrepresentation. 

I used my debit card to purchase cryptocurrency from an exchange, but I was manipulated by a scammer into sending the crypto to a fake platform called XXXX XXXX. The scammer allowed me to withdraw {$1000.00} to gain my trust. After that they prevent further withdrawals and took the remaining funds The scammer is now requesting additional funds to unlock my assets. I did not authorize these transactions and believe I am a victim of fraud. 

Although the transactions were authorized, they were made under false pretenses. The recipients lied about their identity, misrepresented the investment platform, and pressured me to act. This qualifies as fraud, not a voluntary investment loss. 

I submitted a fraud claim to Wells Fargo, providing transaction records, crypto receipts, scam communications. Wells Fargo denied my claim, ignoring the evidence of social engineering and misrepresentation. 

I am requesting full reimbursement of {$17000.00} a formal investigation, and a written explanation if the claim is not approved.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On Friday, I purchased little gifts with my XXXX account. It was charged to either my XXXX XXXX on one of them and my PayPal on the other being that they showed up in my XXXX account, but it did not show up on the banking application. There is an issue with it being transparent, so I can see debits and credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: PA

Complaint narrative:
I am submitting this complaint due to CarMax Auto Finance ( Acct. XXXX ) failure to respond to repeated written requests seeking clarification of the legal and accounting status of accounts reported as charged off. For more than eight ( 8 ) months, I have attempted in good faith to obtain clear information regarding whether these debts were canceled, sold, retained, or otherwise resolved. Despite these efforts, the creditors have failed to provide meaningful responses, while continuing to report the balances as owed on my credit reports. What Happened, the account listed as is reported as charged off, indicating that the creditor treated the obligation as a loss for accounting purposes. However : The balances continue to be reported as outstanding ; In some cases, collection activity has continued ; The creditors have not clarified whether the debts were : Canceled or forgiven, Sold or assigned to third parties, Retained by the original creditor with enforcement rights. Beginning more than eight months ago, I sent written requests to Carmax asking for clarification of the charge-off status and the legal basis for continued reporting. These requests asked simple, factual questions and were made to resolve inconsistencies without litigation. To date, I have not received substantive responses addressing these questions.

Company response to consumer: Closed with explanation