vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: MD

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: FL

Complaint narrative:
Initial Contact Attempt : XXXX attempted to contact the Georgia XXXX XXXX via message, receiving no response. 
XXXX XXXX : I then called the XXXX and remained on hold for approximately XXXX hours before the call was disconnected. 
XX/XX/XXXX XXXX : On XX/XX/XXXX, I mailed dispute of fees to XXXX who stated my documentation was incomplete and identified additional proof allegedly required, despite my reasonable and substantial documentation. 
BBB Complaint Filed : I filed a complaint with the Better Business Bureau ( BBB ), outlining proof of payment willingness and offering to pay the underlying tolls while disputing administrative fees. 
BBB Receipt and Response : The BBB confirmed receipt on XX/XX/XXXX, and on XX/XX/XXXX the XXXX responded requesting additional documents. 
Submission of Requested Documents : On XX/XX/XXXX, I provided through the BBB all documents specifically requested by XXXX. 
Contradictory Letter : On XX/XX/XXXX, XXXX mailed a letter asserting, contrary to fact, that it had not received documentation, despite Plaintiffs confirmed submissions. 
Further BBB Response : I again responded via the BBB, referencing and reattaching the requested documentation. 
XXXX Mailing : On XX/XX/XXXX, I mailed a detailed response to XXXXXXXX XXXX XXXXXX/XX/XXXX letter, reattaching all prior documentation and itemizing each document enclosed. 
Continued Repetitive Requests : XXXX subsequently replied again stating it needed the same documents already provided multiple times, creating a cycle of duplicative requests. 
Resulting Harm : XXXX conduct has caused me undue burden, time loss, and stress, impaired my ability to resolve the toll dispute in a timely manner, and effectively pressured me to pay disputed administrative fees without fair review of the documentation. 
XXXXXXXX XXXX repeated refusal to acknowledge documents submitted through multiple channels, coupled with duplicative requests for the same information, constitutes unfair and/or deceptive conduct in the administration and billing of tolls. 
I have suffered damages including time, costs of postage and documentation, and distress, and remains exposed to improper administrative fees. 
XXXX and XXXX owed a duty to reasonably process submissions and maintain accurate records. Its failure to recognize timely and properly submitted documents, and to provide a coherent resolution process, breached that duty and caused harm to me. I have attached some of the documents provided previously. XXXX should have more than this.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have submitted disputes about this matter to the credit bureaus. I have contacted the debt collector and asked for proof that this debt is owed. I have asked for original contract with signature, amounts owed, and payment histories. Credit bureaus disputed with are XXXX  and XXXX. The debt appears on my credit report as charged off, with XXXX balance. They keep validating the debt. The collection agency XXXX XXXX XXXX, has never sent information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: MD

Complaint narrative:
ETRADE Morgan Stanley had a promotion for opening a new savings account from XX/XX/year> to XX/XX/year>. If you deposited {$75000.00} or more, you got {$750.00}. I opened a new account but never received the promotion. During the opening of the account there was no way to enter a promo code or verify that a promotion was applied to your account, so I had no way of verifying if my account had the promotional code applied. I assumed I would be paid eventually, but never received the promotion. I called them to try to get the bonus applied later on, and they said the promotion had expired and was never applied to the account, so I couldn't receive anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/year>, I opened an account with Bank of America. On the same day, a wire transfer in the amount of {$13000.00} was sent to said account. I had access to the account for a few days only, after which I visited a branch and was told nothing more than a hold was put on the funds. The next branch visit, I was told the account had been closed with no explanation. The financial institution that sent the initial wire tried three separate times to recall the funds with no response, as well as tried multiple times to contact Bank of America with no response. I have visited branches more that 5 times. I have called Bank of America more than 20 times. This is a criminal act in my opinion, as my funds have been kept from me for over three months. My business has suffered.

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
I received a text from Halstead Financial about a XXXX XXXX XXXX that I didn't apply to. When I ask the representative how they get my phone number and how a loan was approved without my consent or approval they disconnect the call as I ask them a series of questions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have sent in several applications for a per approval over the past month. Company says they cant verify who I am. I went to one of their branches to verify myself with my license and offered my passport as well. Bank said even with my id they cant verify me but will not tell me what they need to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
The Consumer 's Loan account was initated on XX/XX/XXXX. The ( Fixed Rate ) Loan agreement was opened with XXXX XXXX with the orginial Loan amount at {$16.00}, 702. According to Vehicle service Contracr the Vehicle Purchase price is only {$12000.00}. The Consumer was not given Full Truth and Disclosure that Down Payment mandated was incorrect since the transaction was supposed to be completely 100 % Financed. In addition, Consumer was not informed that the Consumer is the Original Creditor. 
The Consumer 's signature on the Promissory this afford XXXX XXXX full payment from the Treasury 's Department under the Consumer 's and her husband 's XXXX XXXX  account and then fraudelently demanding monthly payments with interest on account that was paid in FULL. 

Then, according to XXXX  on XXXX XXXX ; the Loan increased to {$16000.00}. The Consumer had not incurred any late fees ACH draft was completed on XXXX XXXX. Then according to XXXX on XXXX XXXX ; the loan decreased to {$16.00}, 571. The loan payment was received and processed on XXXX XXXX, XXXX in the amount of {$390.00}. On XX/XX/XXXX, XXXX  reported from Credit Acceptance the current balance was {$16000.00}, but on XX/XX/XXXX it was reported the loan had increased to {$250.00} and the Consumer 's Credit report dropped -4 points ; with a reported balance of {$16000.00}. The account has NO late payments. The account is a FIXED RATE loan. The rate increases was not in ORIGINAL promissory note.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Dispute Resolution with XXXX XXXX and PNC Bank Background In XXXX, I filed a dispute involving two payments made to XXXX XXXX. The dispute was initiated due to suspected fraud. However, upon further investigation, I discovered that the charges were legitimate ; my daughter had used my account to pay her car note twice. 

Current Situation I promptly cancelled the disputes, and on XX/XX/year>, a reversal was completed. Despite this, XXXX XXXX claims the disputes have not been cancelled on their end, leading to my daughter being two payments behind and facing potential repossession of her vehicle. 

Communication with PNC Bank I have been informed by PNC Bank that while the disputes are considered cancelled, their investigation is still ongoing. Additionally, they noted that cancelling the dispute is a manual process which has not yet been completed. 

Concerns and Clarification Needed I am seeking clarity on how XXXX XXXX will receive the funds back, given that the disputes have been cancelled. According to PNC Bank, the funds involved were issued as a provisional credit by them and not directly from XXXX XXXX, implying that XXXX XXXX should already have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received the following communications regarding credit cards I did not apply for. 
1. Citi Card- XXXX XXXX XXXX 
2. XXXX XXXX 3. XXXX 4. XXXX XXXX As I keep my credit frozen when not in use, all 4 indicated they could not complete card application processing without additional information. Or they found the credit history locked and needed it opened. They requested call backs and needed SSN or some other private information. I did not do this.

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 2026-01-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: DMB Financial, LLC
State: MO

Complaint narrative:
I enrolled in a debt settlement program with DMB Financial in approximately early XXXX and made program payments over nearly XXXX years totaling approximately {$15000.00}. During the program, I was asked multiple times to substantially increase my monthly payments. I agreed to the first increase ( approximately {$100.00} per month for nearly XXXX years ). When a second increase was requested just a few months later in late XXXX for an additional {$200.00} per month, I began requesting written accounting and settlement documentation. 

From late XXXX through XXXX, I repeatedly requested written documentation explaining how my payments were being allocated between creditor payments, fees, and escrow, as well as documentation supporting that fees retained were earned. These requests were consistently ignored or redirected to phone-only communication that did not occur. 

During the program, XXXX account ( XXXX XXXX, balance approximately {$2100.00} ) was removed from the program during active litigation without notice or consent. I discovered this only through an independent Missouri court record ( XXXX ) search in XX/XX/XXXX, while DMB and associated counsel continued to appear as counsel of record with an upcoming court case scheduled for XX/XX/XXXX. DMB has not explained how fees related to this account were earned. Another account ( XXXX ) proceeded to default judgment after no appearance by DMB counsel, and in XX/XX/XXXX a judgment transcription was requested with the court despite prior representations that the account was being handled or near completion. 

Throughout XXXX, DMBs client portal showed multiple accounts as Settled in Full or near completion, which later reverted to Payment Plan Active without explanation after written inquiries were submitted. No executed settlement agreements or payment plan documentation supporting these representations have been provided. 

Beginning in XX/XX/XXXX, I submitted formal written disputes and refund demands requesting a complete written accounting, documentation supporting earned fees, and a reasonable refund of unearned fees, with clear response deadlines ( including a written demand most recently sent XX/XX/XXXX ). As of the date of this complaint, DMB has provided no substantive written response, no accounting, and no refund proposal. 

I am requesting regulatory assistance due to DMBs failure to provide promised services, failure to provide basic accounting and documentation, retention of disputed fees without support, and continued non-response to a formal dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
As a follow on to previous escrow issues with PENFED credit union, We recently reviewed our mortgage escrow account, and discovered a shortfall of funds to the negative amount of {$250.00}, We called Penfed to inquire why there was a negative amount, their response after reviewing our mortgage account their response was that they paid our county tax bill in the amount of {$2900.00} to the wrong property address and then charged our account with an escrow advance of {$920.00} which resulted in the aforementioned amount of XXXX. Our tax bill was not due yet and will be sent out in XX/XX/year>. We have exhausted our efforts calling and getting only verbal responses with no plan or solution in place, and to date Company has not reconciled our escrow account to correct amounts.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
the company was cooperating before but now has changed positions. They threaten me to report me to credit bureaus and they lowered my credit limit from {$5000.00} to {$250.00}. 

The company added fees without my knowledge various times without me using the card. I kept going back and forth in conversation asking why every month I kept having a balance without purchasing anything. I believe this is deceitful to add so many fees. I even tried paying some in good faith, but we are now back to square XXXX. They claim it is my responsibility. 

Credit Card Company : XXXX XXXX XXXX Synchrony Financial

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 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
I was placed on forced forbearance XXXX  of an error, kept stating I needed to provide XXXX  and XXXX  information which I provided XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I made payments manually and now XXXX has finally begun to automatically take payments. I had XXXX payments made when this all became confused. I need XXXX to update XXXX  of payments and believe it is reasonable to give me credit for months in forced-in-error-forbearance, as its clear I attempted to rectify the situation with phone calls and making payments. I want to retire and should be close- this is holding up my life now. Please update my information!

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MA

Complaint narrative:
Saturday XX/XX/XXXX I borrowed XXXX dollars from my cashapp account and brought an item that cost XXXX and my balance went to XXXX dollars which they are telling me doesnt make sense but that it cant be found!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: TN

Complaint narrative:
I have had numerous problems with direct express. I am a XXXX XXXX XXXX collecting XXXX and I rely solely on my social security check. Direct express has repeatedly denied purchases that I have made. To no fault of my own and now for no reason even though I have a valid card I have a valid account on the app and I received my bank statements to my address they are telling me I can not use my card until I send them an id. I sent them the ID and now they're telling me I have to wait XXXX to XXXX hours. I was about to buy food today is the last day of the month before I get my check and I was without food and they have taken food off my table more than once because of the same exact situation their customer service is horrible and they are fraudulent when they control other people 's money that they don't let them access it's a constant problem with this Bank. I do n't drive otherwise I would go to the social security department myself and change where my check goes. They should be put out of business end of story

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
I have paid my mortgage on-time since inception. I pay through XXXX XXXX XXXXXXXX and schedule for the XXXX of the month. Several times, Mr.Cooper ( XXXX  ) applied the payment which XXXX sent a day early to the principal instead of the monthly payment. I have called them, written to them, and ultimately changed the date of the payment to the XXXX of the month in order to resolve this issue going forward. They still can not seem to clear this up. I am so frustrated. 

I don't know how they can applXXXX XXXX XXXX XXXX  to principal when not directed by the account owner. Anyway, can you help resolve this. It is so unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest does not accept my payment thr company returned my payment to me. My account is on autopay for this company. The return my payment also my amount owed never decreases. They are incorrectly reporting on my credit report.I have never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/XXXX, I opened a fraud claim related to my XXXX XXXX Banking account in the amount of {$5400.00}. 

On XX/XX/XXXX, the bank marked the claim as complete. That same day, I immediately called and the bank reopened the claim, confirming that the original investigation timelines were NOT restarted. 

The current status of the claim is Investigating Step 2 of 3, and the bank indicated that the investigation was extended until XX/XX/XXXX. 

Today, I called the bank again to ask why the provisional credit has not been issued. The representative stated that although the XXXX timeframe applies when a claim is first opened, because the claim was reopened, the banks internal policies require the investigation to be completed before issuing any provisional credit. 

This explanation is not consistent with Regulation E, as reopening a claim does not restart legal timelines nor eliminate the banks obligation to issue a provisional credit while the investigation is ongoing.

The absence of the provisional credit is causing significant financial hardship, affecting my ability to cover essential expenses.

I respectfully request that the banks compliance with Regulation E be reviewed and that the immediate issuance of the provisional credit be required, considering the financial impact this delay is causing.

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