vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Flagstar Bank reported multiple XXXX  days late payment entries to consumer reporting agencies. 
After reviewing my credit reports, I identified late payment information that is inaccurate and/or not properly verified. I contacted Flagstar Bank in writing and disputed the late payments, requesting documentation to support that the information was reported in compliance with federal law. 
Flagstar Bank did not provide proof that required billing statements were delivered at least XXXX  days before the payment due dates, nor proof that I was notified in writing within XXXX  days of furnishing negative credit information. 
Despite my dispute and requests for verification, Flagstar Bank continued to report the late payments without providing proper documentation or correcting the inaccurate information. 
I took timely action by submitting written disputes, but the inaccurate late payment reporting remains and continues to negatively affect my credit.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX, 2026. Citibank froze every single urelated account to one account in question, which the relationship XXXX never informed me was about an account. and relationship XXXX XXXX XXXX never returned my desperate please for help before all accounts were blocked unbeknwonst to me. He couldve prevented this. he took no steps. all savings, checking, debit cards, through Citibank have been blocked. My relationship XXXX failed to return my desperate calls for help over the last few weeks or emails saying what the actual issue was and what was needed. Finally yesterday I kept pleading with him please unblock my accounts i need to buy daily medication needed to prevent life threatiening condition and life saving medication for me and the XXXX  relative im legal guardian of. My water was shut off for non payment of bill due. I cant buy food, medication, or having drinking water or pay rent or my bils and there are mounting daily fees being incurred. this is a life affecting matter citibank blocked my account and there was no warning from the relationship XXXX and no way to contact his supervisor. despite 6 requests to provide his supervisors contact information, he would not. The relationship XXXX XXXX XXXX assured that he would have a temporary unblock by the end of yesterday. He did not submit this request and it is still blocked. I have no access to money in 12 plus accounts. every single one of my citibank accounts linked to a different profile are also blocked. this is terrible unfair unreasonable restriction of me who has been a customer for three decades.

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 2026-02-05 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Someone took {$50000.00} out of my father 's checking account after he died I've been going back and forth with these people over and over and over and over they're doing everything to avoid the issue. I have sent the checks to the front division and that's as far as I got to the front division is not responding

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MA

Complaint narrative:
Today XX/XX/year> I reached out to my Fidelity Rewards credit card agency to request a better interest rate as none of my payments seem to bring doen the balance and very little expenses have been placed on the card to try to make the balance reduce, but this effort was to no avail.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was involved in an online rental scam that resulted in financial losses due to Bank of Americas handling of a fraudulent cashiers check and subsequent XXXX transfers. 

In XX/XX/year>, a cashiers check for {$2800.00}, purportedly issued by XXXX XXXXXXXX XXXX was deposited into a Bank of America account belonging to a third party assisting me. Bank of America credited the funds and made the full balance available without restriction. On XX/XX/year>, the full {$2800.00} was transferred to my Bank of America account via XXXX. 

Based on instructions from the scammer, I was told to return an excess amount of {$2000.00} via XXXX to a third-party recipient. Although initial XXXX transfers were flagged and reviewed, Bank of America ultimately allowed the full {$2000.00} to be sent in multiple XXXX transactions on XX/XX/year>. 

Several days later, Bank of America reversed the original {$2800.00} deposit, stating that the cashiers check was just found to be fraudulent. The reversal removed funds directly from the depositors personal savings account. No advance notice, warning, or explanation was provided prior to the reversal. We only learned the reason for the reversal after repeated phone calls and in-person branch visits. 

At no point were we clearly notified that : 1. The deposited funds were provisional or unverified 2. XXXX transfers made from those funds could expose us to personal loss XXXX. A reversal was pending or under investigation As a result, I lost {$2000.00} sent via XXXX and the third party lost {$2800.00} due to the reversal I acted in good faith and relied on Bank of Americas fraud monitoring, transaction safeguards, and customer notifications. I believe Bank of America failed to provide adequate warnings, failed to restrict transfers from unverified funds, and failed to provide timely notice or explanation of the reversal, resulting in significant financial harm.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Formal Dispute XXXX XXXX XXXX Account # XXXX alleged balance of {$1200.00} To Whom It May Concern : This letter is written in response to your collection letter dated XX/XX/year>, which I received on XXXX XXXX. This is a formal request for validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I dispute this debt in its entirety.

I dispute the amount claimed ( {$1200.00} and require that you provide proper validation before any further collection of activity or credit reporting occurs.

VALIDATION REQUIRED Pursuant to the FDCPA, please provide the following documentation to validate this alleged debt : Proof that I authorized or agreed to services with direct energy Original signed contract or service agreement bearing my signature Terms and conditions I agreed to Date service was initiated Complete account history and itemization : Date services began Date services ended Monthly charges for each month of service Any equipment charges, fees, or additional charges Detailed breakdown showing how the {$1200.00} balance was calculated All payments I made ( if any ) and dates received All credits or adjustments applied to the account Service address where XXXX XXXX services were allegedly provided Proof of your authority to collect this debt : Documentation showing Resurgent is licensed to collect debts in Texas Agreement between Resurgent and XXXX XXXX authorizing collection Chain of custody if this debt has been sold or transferred Proof that the statute of limitations has not expired Verification that the amount is accurate : Explanation of how {$1200.00} was calculated Breakdown of principal vs. fees/charges Proof of any late fees, early termination fees, or other charges included CEASE AND DESIST PENDING VALIDATION Until you provide the requested validation, you must : CEASE all collection activity on this account NOT report this debt to any credit reporting agency NOT contact me except to provide the requested validation or to notify me that collection efforts are being terminated FDCPA NOTICE Please be advised that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This includes but is not limited to : The right to dispute a debt within 30 days of first contact The right to receive validation of the debt The right to have collection activity cease until validation is provided Protection from harassment, false statements, and unfair practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing this complaint because NTL Recovery Agency reported a collection account to XXXX  without ever notifying me of the alleged debt. I did not receive any initial communication, notice of debt, or opportunity to dispute prior to this account appearing on my credit report. I first became aware of the alleged debt only after reviewing my XXXX credit report. Additionally, the account is being reported with inaccurate and misleading information. XXXX XXXX lists XXXX XXXX XXXX as the original creditor, despite the fact that I never had a consumer relationship with that entity. This is a misrepresentation of the nature and origin of the debt. The collection is also being reported as an open account, which is inaccurate and misleading for a collection account and materially impacts my creditworthiness. Despite the lack of prior notice and the inaccurate reporting, XXXX XXXX continues to furnish this information to TransUnion. This has caused harm to my credit profile and interfered with housing-related financial decisions. I am requesting that XXXX XXXX either provide competent proof of their authority and the accuracy of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: FL

Complaint narrative:
am writing regarding the above-referenced account, which your company closed. Despite this closure, you continue to report the account and demand payment while the matter is under dispute. 

This conduct constitutes unfair and deceptive acts or practices ( UDAP ) and violates your duty to provide accurate, non-misleading information. Once an account is closed and disputed, you may not continue collection activity or reporting without proper verification and lawful authority. 

Specifically : You closed the account, yet continue to report it You are attempting to collect while the account is in dispute You have failed to provide proper validation supporting your claims Your actions misrepresent the legal status of the account This letter serves as formal notice that your continued reporting and collection activity is disputed and unlawful. Any further attempts to collect, report, or assign this account without correcting your records may result in complaints to the appropriate regulatory agencies and pursuit of all available remedies. 

I demand the following : 1. Immediate cessation of all collection activity 2. Immediate correction or removal of all reporting related to this closed account 3. Written confirmation that the account reflects a XXXX balance and closed status Please respond in writing within 15 days of receipt of this notice. 

Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent. 

Sincerely, XXXX XXXX XXXX authorized representative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife and I are in the process of preparing to go to closing on a home we purchased. A line of credit showed up on our title during the title search. I went into the bank, Truist, to close the account, two weeks ago, and requested a satisfaction letter as my wife and I go to the closing settlement on XX/XX/XXXX. They have been giving us the runaround as far as when we will be receiving this letter of satisfaction. Without this letter of satisfaction we are unable to go to settlement. This is going to be affecting multiple families in negative ways. All we need is this letter of satisfaction. Kindly help us.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have been an XXXX Credit Card holder through Comenity Bank for several years. I was approved for the credit card at my XXXX XXXX in XXXX, NY. The bank has had issues since the beginning and have prevented me from making on time payments or getting the information needed to set payments up online. I receive emails from the bank but the links in the emails take me to dead ends. The website they give is also a dead end whether I use my cell phone or a computer. It comes up as d.comenity.net and leads me to a blank page every time. Very shady and frustrating for someone simply trying to pay my bill. Im filing this complaint with the hope of making them fix the issues and holding them accountable for the late fees Ive incurred as a result of the difficulty presented when trying to make payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
i put the money in my account and it overdrafted my account i need a new check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Hello, I am submitting this complaint because my billing disputes with Affirm , Inc. have been mishandled and left unresolved for an unreasonable amount of time, causing ongoing financial harm and frustration.

I initially attempted to resolve this matter directly with Affirm. When that failed, I filed a complaint with the XXXX XXXX XXXX, which did not result in any resolution. I am now escalating this issue to the Consumer Financial Protection Bureau. 

Background and Timeline On XX/XX/XXXX, I booked travel through XXXX using Affirm financing. The original booking was a package deal including flights and hotel. The flight portion was later canceled, and XXXX issued flight credits. 

XXXX instructed me to rebook under the same confirmation number. Because the credits could not be applied to a package deal, I was required to rebook as individual components. There should have been only two Affirm transactions : One charge for the hotel ( approximately {$990.00} ) One charge for the flights ( approximately {$500.00}, reflecting the XXXX credits ) After returning from vacation on XX/XX/XXXX, I discovered that instead of two transactions, Affirm reflected an additional flight charge, resulting in duplicate charges.

Two Separate Disputes Because there were two duplicate charges, I opened two separate disputes with Affirm.

Dispute # 1 : Closed by Affirm on XX/XX/XXXX solely because I did not respond in time to a message that repeated prior statements and did not provide any validation or resolution of the charge. The dispute was closed without resolving the billing error.

Dispute # 2 : Still pending and unresolved. This is the dispute involving the charge for which I have already paid/spent money and am seeking a refund. Despite this, Affirm has reopened installment payments and is demanding immediate payment while the dispute remains open.

Ongoing Issues and Harm Affirm has not provided documentation validating the duplicate charge, nor a clear explanation of how the error occurred. XXXX has confirmed multiple times that they only see two valid charges on their end and do not see the additional charge, confirming this is an Affirm-side billing issue.

Despite the pending dispute, Affirm has sent automated emails threatening negative credit reporting if I do not make payments. This is extremely concerning while a legitimate dispute remains unresolved.

This matter has been ongoing since XXXX with no meaningful progress and has caused significant stress and financial inconvenience. At this point, if the issue is not resolved, I am considering disputing the charges directly with my card issuer, as all reasonable efforts with Affirm have been exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
There was fraud done on my Navy Federal Credit Union account. I submitted information and documentation proving that I was XXXX  during the time the activities took place and they are still denying my membership

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
am writing regarding the above-referenced account, which your company closed. Despite this closure, you continue to report the account and demand payment while the matter is under dispute. 

This conduct constitutes unfair and deceptive acts or practices ( UDAP ) and violates your duty to provide accurate, non-misleading information. Once an account is closed and disputed, you may not continue collection activity or reporting without proper verification and lawful authority. 

Specifically : You closed the account, yet continue to report it You are attempting to collect while the account is in dispute You have failed to provide proper validation supporting your claims Your actions misrepresent the legal status of the account This letter serves as formal notice that your continued reporting and collection activity is disputed and unlawful. Any further attempts to collect, report, or assign this account without correcting your records may result in complaints to the appropriate regulatory agencies and pursuit of all available remedies. 

I demand the following : 1. Immediate cessation of all collection activity 2. Immediate correction or removal of all reporting related to this closed account 3. Written confirmation that the account reflects a XXXX balance and closed status Please respond in writing within 15 days of receipt of this notice. 

Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent. 

Sincerely, XXXX XXXX XXXX authorized representative

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FIDELITY CAPITAL HOLDINGS, INC
State: AZ

Complaint narrative:
Tried to transfer funds from my account to my bank account and Fidelity company would not give me access to my account. Its been over one week I cant get access to my account let alone transfer funds to my bank. Holding my account and my money hostage.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
this debt is on my credit report and i knew nothing about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I paid {$580.00} for a reservation at XXXX  XXXX XXXX later I was charged an additional {$79.00} in error there were no additional fees after the reservation was paid I spoke to manager here who was apologetic and proceeded to process a refund and sent me documents apologizing and pdf of receipt of {$79.00} Sofi bank is saying this takes business days to clear up and the manager XXXX XXXX was rude and hung up the phone on me and also said I wasnt allowed to speak withbanyone else regarding this matter please help

Company response to consumer: Closed with explanation