vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this letter in support of my complaint regarding a debt collection account that I have disputed. I requested validation of the alleged debt from the debt collector in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, the collector has failed to provide sufficient evidence that : I owe the alleged debt. The amount claimed is accurate. The collector has legal authority to collect the debt. The debt was properly assigned or transferred to the collector. Instead of providing adequate validation, the collector has continued its collection efforts and/or continued reporting the account without providing the documentation necessary to verify the debt. I respectfully request that the CFPB investigate this matter and require the debt collector to : 1. Provide complete validation of the alleged debt, including copies of any signed agreement or other evidence establishing my legal obligation. 2. Provide an itemized accounting of the amount claimed. 3. Provide documentation demonstrating the collector 's legal authority to collect the debt. 4. Cease collection activities until proper validation has been provided, if required by applicable law. 5. Correct or remove any inaccurate information reported to consumer reporting agencies. Agencies Listed Below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have acted in good faith by requesting validation of this debt and believe my rights under applicable federal law may have been violated. Thank you for your 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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I have had my checking account with USAA for over 30 years and used it the same way for all of that time. Now my checking account has been frozen and any debits I have made to pay my bills are being rejected while USAA is gladly accepting funds that are being deposited. USAA claims I am using the account for business purposes however they never gave me an opportunity to explain transitions on the account before they froze my account. Now the money I use to pay my bills is frozen in the account. I have called multiple times and asked for resolution but the customer service people I speak with refuse to allow me to speak with anyone who can handle this situation. I have asked for the account to be closed and for them to send me my funds. They said they would after the pending deposits settled. Now its been about a week since the pending deposits settled and they still refuse to close my account and deliver my funds to me. It should be illegal for a bank to accept funds into the same accounts that they refuse to allow me to debit. The reason they said they froze my account is because I have personal rental properties and I deposit the checks into my checking account. I do not file a business tax return, I only file a personal return which I include those rent payments. Therefore I never even thought it would be an issue if I deposit rent checks. Further, I was never given any notice that this was going to happen. They said they uploaded it as a PDF in my statements and documents tab which no one ever looks at. For such a serious issue, they should have reached out to me directly via mail.

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 2026-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681sn2 ). You are hereby instructed to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above until proper validation is provided. Your agency has not verified a legal right to collect, report, or pursue action on this account without complete validation of ownership and legal assignment. I demand the following documentation within 15 calendar days : 1. Original signed contract or application bearing my signature. 2. Complete chain of title/assignment of the debt. 3. Bill of sale or purchase agreement showing ownership of the debt. 4. Itemized statement of all amounts claimed ( principal, interest, fees, and charges ). 5. Your debt collector license number and states in which you are licensed. 6. Surety bond information if required by law. If you can not produce the requested documentation, I demand that collection efforts cease and that any inaccurate credit reporting be corrected or removed as required by applicable law. I reserve all rights under the FDCPA and FCRA and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and pursue any other remedies available under the law if necessary. Failure to comply within 15 calendar days may result in further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello! I am filing this complaint because XXXX has failed to correct my personal identifying information despite my repeated attempts to provide the required documentation. I mailed copies of my identity documents to XXXX in XX/XX/year> and again in XX/XX/year>. During my recent phone call with XXXX, I was informed that my file still contains incorrect personal information. Specifically, my full legal last name is not correctly reflected, and my date of birth is missing from my file. I was also told that I must send my documents again. This would be the third time I have mailed sensitive personal documents, including identification. I am very concerned that my previous submissions were not properly received or processed. Because of these errors in my XXXX file, XXXX XXXX XXXX XXXX has been unable to verify my identity and has denied my request to open a checking account. I respectfully request that XXXX XXXX XXXX Investigate why my previous XXXX document submissions were not processed. * Correct my credit file to accurately reflect my full legal name and date of birth. * Confirm in writing that the corrections have been completed. * Ensure that my identity can be properly verified by financial institutions. I appreciate your prompt attention to this matter and look forward to a timely resolution.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a BOA check from a dealer after selling my car and I deposited the check into my BOA checking account. My issue is the fact that a message displayed informing me that there was a 7-day hold on the funds - that information should have been shared BEFORE the transaction was finalized. I then called the bank, after sitting on hold for over an hour, both an associate and manager informed me the although my account had been with BOA over 20 years none of the funds from a {$1700.00} deposit could not be made available until the hold period of 7-days had expired. As a result, I am forced to wait before I can close that account with BOA. This makes no sense because if I had walked into a BOA bank, the associate would have verify the funds and cashed the check on THAT DAY - not 7 days later! They should reduce this hold to 48 hours for remote deposits and make 20-25 % of the funds available immediately for all established account.

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 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Subject : Identity Theft Fraudulent Account Opened Without Consent ; Improper Collection Activity ; Failure to Verify Identity I am submitting this complaint because I am a victim of identity theft, and a fraudulent account ( XXXX XXXXXXXX ) was opened in my name at First Tech Federal Credit Union without my knowledge or authorization. I have an official Federal Trade Commission ( FTC ) Identity Theft Report ( XXXX XXXXXXXX ). I have already provided this report to both First Tech FCU and the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX Despite receiving the FTC Identity Theft Report, the collection agency continues to pursue the alleged debt. In its most recent letter, the agency affirmed the debt and ignored clear evidence of fraud specifically, the fact that the account application contains incorrect Drivers License information, which proves that the applicant was not me. This indicates that First Tech FCU failed to properly verify the identity of the applicant, as required under the Fair Credit Reporting Act ( FCRA ) and federal identity verification obligations. I am XXXX XXXX XXXX and have maintained an impeccable credit history throughout my life. This situation is causing significant distress and poses a serious risk to my credit reports and my XXXX record. I request that the CFPB assist in ensuring that : XXXX XXXX XXXX XXXX XXXX immediately ceases all collection activity related to this fraudulent account. First Tech FCU closes the fraudulent account and acknowledges it as identity theft. Both entities ensure that no negative information related to this fraudulent account is reported to any credit bureau or to XXXX Any existing negative reporting is removed immediately. Enclosures : XXXXFTC Identity Theft Report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2026-07-01 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I booked a tour in XX/XX/year>2026 withXX/XX/XXXXXXXX in XXXX that was to take place XXXX XXXX,2026. According to their cancellation policy I emailed them to cancel for a full refund in XX/XX/year>2026. The company did not respond and I disputed the charge with my XXXX XXXX XXXX Citibank card. I did not hear back and emailed Citi again on XX/XX/XXXX and again on XX/XX/scrub> 2026. I called and resubmitted the dispute and finally after phone calls and asking a friend that works there to follow up, I got a response XX/XX/year>2026 saying the charge is permanent with no explanation if they even reached the vendor. I explained the vendor never responded to my cancellation request which was following their cancellation policy or even responded to me OR even showed up to pick us up for the tour so no service was even provided!

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 2026-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
we have been making payments to M & T mortgage but they claim the mortgage was transferred to XXXX. XXXX is telling me I have not made a payment in 12 months. I went to an attorney. There is no record of the mortgage being transferred. The are telling me they are going to foreclose on my house but I have receipts of every single payment to M & T. I truly need 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 explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am a senior citizen on a fixed income facing impending financial hardship. I proactively contacted my servicer to request loan modification information under federal 'Imminent Default ' rules while keeping my account current. My servicer gave me false information, stating I must intentionally become 31 days delinquent to receive help. I am requesting an executive review of my account for mortgage assistance without damaging my credit history

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
We have a credit card with Citibank. We closed on a house on XXXX and part of our closing was to pay off this account. At our closing we gave our closing company XXXX XXXX a cashiers check for all of our closing costs and this included the money to pay off XXXX accounts, XXXX, XXXX and Citibank. They issued a check to each of these and directed us to forward them to the companies to pay off those balances. I did that and included out info so they know where to apply the funds. XXXX of XXXX no issue got it cashed it and credited it. Citibank Got the check on XX/XX/year> cashed it on XX/XX/year> and never credited our account. After XXXX phone calls I have gotten XX/XX/XXXXto bullied and blown off about where our money went and still have not heard anything from anyone at citibank. The amount cashed was {$5500.00} dollars. I need help getting someone to resolve this issue. they are demanding I continue to pay even though they owe me money now. Please 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 2026-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: GA

Complaint narrative:
A collection agency ( XX/XX/XXXX ) is reporting a XXXX account on my credit report. XXXX has permanently shut down global operations and is no longer in existence. Because the original creditor is dissolved, XXXX XXXX can not legally validate the debt. What happened : I disputed the account with the credit bureaus. XXXX XXXX provided incomplete validation that does not include original documentation. They can not produce a signed contract, billing statements, itemized charges, XXXX, or payment history because the original creditor is dissolved. Law violated : FCRA XXXX ( a ) unverifiable information must be deleted FCRA XXXX ( b ) maximum possible accuracy FCRA XXXX furnisher must maintain accurate records

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 2026-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Sunset Management, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/3209 [ XXXX ] ( XXXX : XXXX ) XX/XX/year>XX/XX/2967 XXXXXX/XX/9950: Formal Dispute, Request for Validation, and Notice to Cease Collection Activities XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the alleged debt that you claim I owe. This correspondence is not an acknowledgment of liability or a promise to pay. Rather, it is a request that you comply with your obligations under applicable federal law. Pursuant to XX/XX/XXXX15 U.S.C. XXXXXX/XX/XXXX, I request validation of the alleged debt. Please provide the following : XX/XX/XXXX The name and address of the original creditor. XX/XX/XXXX The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges. XX/XX/XXXX Copies of any documents showing that I am legally obligated for this debt. XX/XX/XXXX Documentation demonstrating your authority to collect this debt. XX/XX/XXXX Documentation showing that the debt is within the applicable statute of limitations. Until you provide sufficient validation as required by law, I dispute the validity of this alleged debt and request that you cease collection efforts that are inconsistent with your legal obligations. If you have furnished information concerning this account to any consumer reporting agency, I request that you ensure the information is complete and accurate. If you are unable to verify the information after a reasonable investigation, I request that you correct or remove any inaccurate or unverifiable information in accordance with the Fair Credit Reporting Act. Furthermore, pursuant toXX/XX/XXXX 15 U.S.C. XXXX ( c )XX/XX/XXXX I request that you cease communication with me regarding this matter except as permitted by law, including to : XXXX. Confirm that collection efforts have ceased ; XXXX. Provide the requested validation ; or XXXX. Notify me of any specific legal action you intend to take. Should you continue collection activities or furnish information that you know, or should know, is inaccurate or can not be substantiated, I reserve all rights and remedies available under federal and applicable state law. Please respond in writing within the time required by law. Thank you for your prompt attention to this matter. Sincerely, 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 2026-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/year> I called to Make payment of {$5700.00}. I asked for intrest to be taken off bc of a previous fraud charge and I had closed card but they never followed through on closing card so intrest ran up and I received not statements that this was happening bc I believed card was closed 4 years prior to my call in XX/XX/XXXX. Agent stated on phone that she would remove intrest charge of {$990.00}. I paid what she said I owed which was {$4700.00} and final close of card. Since then they are contacting me to pay over {$1000.00} + bc the keep adding intrest on intrest charge that I was promised to get taken off. Scince then I spoke to at least XXXX diff people with no help they say will call back and dont. Was even hung up by agent. These conversations are all on records in citi bank I had a supervisor listen to it and agreed with me yes I promised to take it off. Scince then countess phone calls to get nowhere with rude agents. This need to stop.

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 2026-07-01 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: MD

Complaint narrative:
Please refer to the attached letter for detail. On or about XX/XX/year> a check drawn on my bank, XXXX XXXX Bank, was mailed using XXXX. The check was made payable to XXXX XXXX for the purpose of paying a bill. The check was stolen from the mail and fraudulently altered, changing the payee. This materially altered check was deposited into a Bank of America account in error, and funds were debited from my account on XX/XX/year>. This check was not properly payable as presented. I have communicated with my bank regarding the fraud, but I wanted to formally notify Bank of America that I am aware of acceptance of an altered instrument, and their role in the fraud. I wrote a letter to send to Bank of America, but I was having difficulty finding the right mailing address, despite my calling the customer service number. I decided to go to a branch with the letter and perhaps get the mailing address, or simply hand deliver the letter. I met with a XXXX XXXX at the XXXX XXXX XXXX XXXX, Md XXXX branch. She told me that there was XXXX ) no number for the fraud department that she could give me. That was an internal number only Bank of America employees could use. XXXX ) there was no mailing address for the fraud department that she could provide me XXXX ) there was no email address for the fraud department that I could use to send a communication XXXX ) she would not be able to accept a hand delivering of the aforementioned letter, as she was not authorized to do so. The only number she was able to provide me with was the main Bank of America phone number for account holders, of which I am not XXXX. I explained that I had already tried to call that number prior to my meeting with 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 2026-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report. I have reviewed my credit file and identified inquiries that I do not recognize or did not authorize. XXXX XXXX - XX/XX/XXXXXX/XX/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