vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a member of Navy Federal Credit Union and am submitting this complaint regarding the institutions refusal to provide reasonable access to my own account data and its failure to offer an effective escalation process. 

I requested a transaction-level export of my checking account activity ( XXXX XXXX XXXX XXXXXXXX format ) for my own records and for financial and tax reconciliation purposes. The data clearly exists within the credit unions systems, as it is used to generate periodic account statements and online transaction views. However, I was informed that the credit union does not provide any method for members to obtain this data in a machine-readable or spreadsheet format.

I spoke with both a customer service agent and a supervisor. When I requested escalation to a manager or compliance officer, the supervisor stated that she could escalate the request internally but could not guarantee that anyone would contact me and could not transfer me to a manager. I was effectively denied access to management review or a d
efined complaint resolution process.

As a member-owned financial institution, this is not an acceptable business practice. The credit union is operating in a manner indistinguishable from a corporate entity that does not meaningfully answer to its members. Members should have reasonable access to their own financial records and a clear, accountable escalation path when disputes arise.

I am requesting regulatory review of : 1. Whether a credit union may refuse to provide transaction-level account data in any usable electronic format when such data exists internally.

2. Whether the absence of a meaningful escalation or management contact process for member complaints is consistent with member-owned governance obligations. 

I am not requesting confidential or proprietary information only access to my own account data in a commonly used format and a reasonable complaint escalation process. 

Thank you for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
CFPB Complaint-Truist Complaint Sequence XXXX {$650.00} debit on my Truist checking account. Did not recognize this payment. Went to Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She checked bank records-unable to determine the vendor/source of the {$650.00} as its in pending status. Check tomorrow when posted for information to ID the source of the debit. 
XXXX-Reviewed Truist account-the {$650.00} is a forced debit but no vendor identity or explanation of payment. Met with XXXX XXXX @ Truist. She was unable to provide any details of the debit. She gave me a phone number to call ( XXXX ) for further info, however, did not provide the name of the company. 
Called XXXX ( XXXX XXXX XXXX XXXX ) -advised with XXXX XXXX XXXX XXXX? ) of the above facts as the reason for my call and provided my SS # which was needed to locate my file/case information. She stated that there wasnt an account associated with my SS # and asked if the complaint was related to a business ( no ). She also stated that my they have a case involving a XXXX XXXX but the SS # is different. She referred me back to Truist. 
Called Truist fraud dept ( XXXX XXXX XXXX ( sp? ) ) Case # XXXX ). Truist to investigate and respond-no specific time-frame in which to respond. Investigation will review all communications related to my 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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Consumer Dispute Department RE : FORMAL DEMAND FOR METHOD OF VERIFICATION Accounts in Question : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX ( XXXX ) Account Number : XXXX NOTICE TO TRANSUNION This letter serves as a formal and statutory demand for the exact Method of Verification used to verify the above-referenced accounts, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

You previously reported these accounts as verified. However, your response failed to disclose the actual method used to verify the accuracy, completeness, and legal reporting of these accounts.

DEMAND FOR STRICT COMPLIANCE Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), you are hereby required to provide ALL of the following : The full name, title, and department of the individual ( s ) who verified each account The exact date and time the verification was conducted The method of verification used, including whether it was : Automated ( e-OSCAR or similar system ), or Manual review by a human being A description of the specific documents reviewed, including but not limited to : Original signed consumer contract or application Account statements bearing my signature Proof of legal obligation and ownership The name and contact information of the data furnisher who allegedly verified the account Proof that TransUnion conducted an independent investigation, not merely a data furnisher rubber-stamp response NOTICE OF NON-COMPLIANCE Be advised : Automated verification systems ( including e-OSCAR ) do NOT constitute a reasonable investigation under the FCRA.

Verification without review of original source documentation is willful non-compliance.

Failure to provide the above information within 15 days will constitute : A violation of FCRA 611 Negligent and/or willful non-compliance under 616 and 617 INTENT TO ENFORCE MY RIGHTS If you fail to comply fully and timely, I will have no alternative but to : File formal complaints with the CFPB, FTC, and Pennsylvania Attorney General Pursue civil action for statutory, actual, and punitive damages Demand immediate deletion of the above accounts due to unverifiable reporting FINAL NOTICE This is NOT a request.

This is a lawful demand for compliance.

If you can not provide the exact Method of Verification, you are legally required to delete these accounts from my credit file. 
Governing law : 15 U.S.C. 1681 Sincerely, XXXX XXXX XXXX, PA

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I made a {$900.00} payment using my Cash App debit card through XXXX XXXX to purchase a graphics card from a seller on XXXX. This transaction was induced by fraud. 
The seller provided a XXXX  tracking number ; however, XXXX confirmed that only a shipping label was created and that the package was never tendered to XXXX. The tracking never showed any acceptance scan or movement. 
After payment, the seller repeatedly delayed delivery and promised refunds that were never issued. This is a known scam method involving fake shipping labels. 
I filed a dispute with XXXX XXXX, which was denied on the basis that the transaction was peer-to-peer, despite clear evidence of fraud. I then filed a fraud dispute with Cash App, provided documentation ( screenshots, tracking information, and a police report ), but Cash App has not provided adequate resolution. 
I am requesting that Cash App properly investigate this transaction as a fraud claim under the Electronic Fund Transfer Act ( EFTA ) and debit-card protections, rather than treating it as a voluntary peer-to-peer transfer. 
I have also filed a police report and an FTC fraud report documenting this incident. I am requesting a good-faith investigation, provisional credit during review, and reimbursement of the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
A loan was giving to me via chime! I didnt ask for the loan but received it. Ended up paying off the loan early based off the fact I was told I would get another loan. Upon speaking with management Im not eligible for another loan at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, I discovered unauthorized debit card transactions on my FirstBank checking account. My debit card was lost on that same day, and I immediately notified FirstBank and reported the transactions as unauthorized. The disputed transactions occurred on XX/XX/XXXX and XX/XX/XXXX, totaling approximately {$1800.00}. I did not authorize, conduct, or benefit from any of these transactions. 

Despite timely notice, FirstBank denied my claim on XX/XX/XXXX, asserting only that the transactions were card present and that a PIN was used. FirstBank did not provide any evidence demonstrating that I personally authorized the transactions, that I was physically present, or that I consented to the use of my card. The bank relied solely on PIN usage as proof of authorization, which does not meet the requirements of the Electronic Fund Transfer Act ( EFTA ) or Regulation E. 

On the same date, FirstBank opened a reconsideration of my claim but failed to issue the mandatory provisional credit required when an investigation is extended beyond the initial period. I requested documentation, evidence supporting the denial, and an explanation for the failure to issue provisional credit. FirstBank did not provide this information and has continued to withhold access to my funds. 

FirstBanks actions constitute an ongoing violation of Regulation E, including failure to conduct a reasonable investigation, improper shifting of the burden of proof to the consumer, and failure to issue provisional credit as required under 12 CFR 1005.11 ( c ) ( 2 ). As a result, I have been deprived of access to my own funds and suffered financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name Guaranteed Rate Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am filing this complaint against Portfolio Recovery for reporting inaccurate and unverified debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Portfolio Recovery is reporting a collection account with a balance of {$560.00}, opened on XX/XX/XXXX, and falsely lists itself as the original creditor. Portfolio Recovery is a debt buyer and collection agency, not an original creditor. This is materially misleading and violates federal accuracy and disclosure requirements. 

The account also fails to list : - The name of the true original creditor - The account type - Any contract or agreement proving liability - Any itemized statement explaining how the balance was calculated Despite my prior disputes, the account was marked Dispute resolved subscriber disagrees without Portfolio Recovery providing any competent evidence that the debt is mine or that the amount is accurate. Simply verifying information without proof is not compliant with the FCRA. 

I am demanding that Portfolio Recovery be required to : 1. Provide the CFPB and myself with full documentation proving legal ownership of this account 2. Provide the original signed contract or agreement creating the debt 3. Provide a complete payment history and itemized accounting 4. Correct the false reporting of being the original creditor 5. Delete this account if they can not produce this documentation This account is harming my credit and financial standing. I am requesting immediate regulatory intervention and enforcement. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
My Mercury card account was charged an annual fee despite my prior opt-out request, which contradicts the terms I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ClearOne Advantage, LLC
State: TX

Complaint narrative:
I enrolled in a debt relief program with ClearOne Advantage during a period of financial hardship following job loss. I was told I would have a single, manageable monthly program payment. 

On XX/XX/year>, I approved a settlement through the client portal after asking questions about affordability. Before approving, I specifically raised concerns about whether additional funds would increase my monthly burden.

I was not clearly informed that these additional funds would result in separate ACH withdrawals from my personal bank account, in addition to my regular monthly program payment. 

Beginning XX/XX/year>, ClearOne/Global HHL began withdrawing additional amounts from my bank account, totaling hundreds of dollars per month, which caused financial hardship.

I contacted the company multiple times to raise affordability concerns and request clarification. On or around XX/XX/year>, a ClearOne representative confirmed in writing that all additional drafts were frozen pending supervisor review.

Despite that written confirmation, a {$500.00} ACH withdrawal was taken after the freeze, which caused my bank account to go negative. This withdrawal occurred after hardship notice and after confirmation that additional drafts were frozen.

I revoked authorization and placed a stop payment with my bank to prevent further harm. After doing so, I continued to receive communications pressuring me to resume payments and warning of settlement consequences.

I also provided multiple specific call windows in writing for a supervisor to contact me. The company failed to call within those windows more than once and did not resolve the issue despite repeated requests.

I requested written confirmation of the draft freeze, an explanation of how the post-freeze withdrawal occurred, reimbursement of the unauthorized withdrawal, and an itemized ledger of all drafts and authorizations. The company has not provided this information and continues to frame the issue solely as portal approval, without addressing the lack of informed consent, written contradictions, or financial harm.

I believe this constitutes improper payment processing, lack of informed consent, failure to honor written commitments, and coercive pressure after revocation of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX 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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I, XXXX XXXX, discovered an alleged collection account in the amount of {$510.00} reported by Receivable Management, allegedly originating from XXXX XXXX. I did not receive any written notice, billing statement, or debt validation from the debt collector prior to this account being reported to XXXX XXXX and XXXX. 

According to my credit reports, the account was assigned to collections on or about XX/XX/year>, and reported to the credit bureaus on or about XX/XX/year>. I became aware of the alleged debt solely through credit reporting. 

I dispute owing this debt and have not been provided documentation establishing the original obligation, a breakdown of charges, or proof that Receivable Management has the legal authority to collect. Reporting an unvalidated and disputed debt has caused financial harm. 

I am requesting validation of the alleged debt and removal of this collection account from my credit reports if validation can not be produced.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
At first noticed some small overdrafts that were coming through my on my Bank Of America Checking account while awaiting some overdue deposits. I initiated their service to stop allowing overdrafts. But they did not do so on the account and I continue to accrue overdraft to the tune of {$130.00} now. When I contacted them about Reversing the the overdrafts they allowed thru, denied my request.

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 2026-01-14 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Someone hacked my XXXX  XXXX  account which I later found out was my mom and she owned up to that she added money to my XXXX XXXX  and sent it to herself I never knew she had my bank card information until two weeks after but now the bank is trying to say Im the one who authorized the charge and I have the proof that I didnt

Company response to consumer: Closed with explanation