vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I mailed written cancellation notices via USPS Certified Mail in XX/XX/year> for my warranty contracts administered by United States Warranty Corp. Delivery was confirmed and signed for on XX/XX/year>. Despite proper written cancellation, no refund has been applied to my auto loan with Huntington National Bank and I have not received confirmation of processing. I am requesting immediate processing of cancellation and a full eligible refund applied to my lender.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my credit report : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$630.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$200.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$790.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$21000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$15.00} Inquiries : XXXX, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: MI

Complaint narrative:
After completing a thorough review of your account. We can confirm that of the {$5900.00} you've deposited : {$1300.00} has been paid to your creditors, {$2700.00} has been collected in negotiation fees, {$560.00} has been paid in monthly maintenance fees, and the remaining balance of {$1300.00} is in your dedicated savings account That is what they sent me. I was told up front that all fees were included in the settled amount. I had money sitting in a dedicated savings account and nothing had come out and I was under the impression that before anything did come out, I would be notified. They did not notify me and when i went to check it last I expected to see almost XXXX in there and then I saw only XXXX and called them. They said I still have XXXX something left to pay. The settlement was for XXXX. I thought something doesn't seem right here. So out of no where they just took all that money. I really thought I was over halfway to being done. I was told in that XXXX or whatever the settlement ended up being that they would get their money or fee. There was no mention of an extra giant fee out of no where just because they settled. I would have went with a different company if I had known they would charge me so much for this. Again, they took everything at once with no warning and just slapped a big fee on there that was not disclosed ever at least not verbally. They originally said they could probably get it down to XXXX something, which is what they probably tell everyone to get them to sign up. Also I still ended up getting sued by chase even though I was going through this program. The lawyer never called me or emailed me. I didn't hear anything the entire time and they kept telling me to not have any contact with chase the whole time. Well the whole time it looked like I wasn't doing anything so my credit just got destroyed. I am now wondering if that was bad advice. I just know at the time it didn't seem right. If I was paying into an account, why would they not notify them to try and get them to back off so it doesn't destroy my credit. Why did it get to the point to where they had to sue me. At that point I had almost half the amount of the XXXX in that account. The whole thing just seems extremely shady to say the least at this point. And it sucks, because they can just take advantage of people like myself and I feel like there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Yesterday XX/XX/year> I opened my Credit Karma account and it stated that it was frozen. My tax refund was scheduled to be deposited today XXXX XXXX. They froze the account saying that it was to be closed but still accepted the deposit from the IRS and is now refusing to release the money to me or close the account completely so that I may receive my money through a check every time I call the hang up on me and every time I chat, they told me to call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a {$130000.00} loan note with Truist BankXXXX 7.99 % interest rate for a monthly payment of {$1100.00} for a XXXX term. I made the following payments : XX/XX/year> - {$3500.00} ( additional principal {$2300.00} ) XX/XX/year> - {$6000.00} ( additional principal {$4800.00} ) XX/XX/year> - {$7000.00} ( additional principal {$5800.00} ) XX/XX/year> - {$7000.00} ( additional principal {$5800.00} ) XX/XX/year> - {$5000.00} ( additional principal {$3800.00} ) XX/XX/year> - {$120000.00} - loan paid in full As you can see from the attachments, they never figured the additional principal correctly from day XXXX. I started calling XXXX to inquire and each XXXX I was assured it would be corrected by next payment, but it never was. This continued to happen month after month after I had escalated it to the highest command at Truist. Finally in XXXX I had enough and just paid the loan off. Because as each day went by, I was incurring a per diem cost that only keep increasing. There was no penalty for early payoff. I have continued to call since then to no avail. 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Received a notice dated on XX/XX/2026 that my account would be closing due to depository agreement not being satisfied. I have deposits from my employer and the XXXX that will post tomorrow. I have no access to the funds to pay any of my obligations and this will cause defaults on auto loans and eviction processes to begin. I need access to the money to pay my bills and I feel my money is being held arbitrarily for a XXXX period which I can not afford to wait in order to not become homeless of destitute.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase denied my credit card dispute despite evidence that an interstate moving company materially increased charges after I left the state and without my authorization. ( Dispute Case reference number : XXXX ) On XX/XX/year>, I signed and approved a final quoted amount of {$8200.00}. On XX/XX/year>, after I had already left the state, the merchant unilaterally increased the charge to {$13000.00}. I did not sign or authorize this increased amount. The XX/XX/XXXX document contains only a XXXX signature and an X in the customer signature field, which is not my signature and does not constitute authorization. My personal property was withheld pending payment, and I paid under duress to recover my belongings. Chase relied on unauthorized documentation and closed the dispute without escalation. I am requesting that the dispute be reopened and the unauthorized charges refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I bought XXXX first class tickets to XXXX for XXXX. Months ahead of time on XX/XX/year> to be used on XX/XX/XXXX. When we went to fly on XX/XX/XXXX after being delayed for a few hours, our flight was cancelled. I called XXXX XXXX and they rerouted us and downgraded our flights to economy. I was told that we would be reimbursed the difference automatically. This never happened. I sent multiple emails to XXXX XXXX and at first they gave me XXXX worth of miles. When I disputed that, they gave XXXX XXXX credit and told me that was all that they would give me. Now the credit card is telling me that I am outside the 120 day window, but I am not because the service was for XX/XX/XXXX and XXXX. I am attaching the XXXX dispute that I sent to the card company.

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 2026-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute regarding the following charged-off accounts and inquiries that appear on my credit report. These accounts are inaccurate, and I request a thorough review and resolution. Charged Off Accounts XXXX XXXX OF TX PA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX BANK LENDLY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ONEMAIN Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS I am disputing the following late payment entries under XXXX XXXX XXXX The entries XXXX not be accurate or are potentially showing incorrectly. Please investigate and rectify them as appropriate. XXXX XXXX XXXX Account Number : 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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized access and unauthorized bank account linking on my Venmo account. I opened my Venmo account in XXXX with my legitimate bank account and personal information. Around XX/XX/XXXX, an unknown bank account was linked to my Venmo profile without my authorization. I also later discovered that the email associated with my Venmo account had been changed without my knowledge, which prevented me from receiving notifications about account or bank changes. Because I did not frequently use Venmo and transfers appeared normal from my primary bank account, I had no reason to suspect that the destination bank account inside Venmo had been altered. Unauthorized transfers associated with the unknown linked bank account include : XX/XX/XXXX : {$320.00} XX/XX/XXXX : {$350.00} Additional unauthorized transfers : {$500.00} and {$700.00} Total unauthorized transfers currently identified : {$1800.00} XXXX discovered the issue in XX/XX/XXXX and reported it immediately to Venmo by phone on XX/XX/XXXX. Venmo suspended my account for investigation but later denied my claim, stating the delay in discovery was suspicious. I am requesting that Venmo reopen the case and investigate this as unauthorized account access and unauthorized bank linking. I am providing bank statements and identification showing the linked bank account does not belong to me. The delay in discovery was caused by the unauthorized email change and lack of notifications, not approval or awareness of the unauthorized bank account. I am seeking reimbursement of the unauthorized transfers totaling {$1800.00} and restoration of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Formal Complaint against Wells Fargo regarding Claim XXXX XXXXXXXXXXXX XXXX XXXX To the Consumer Financial Protection Bureau, I am filing this formal complaint against Wells Fargo regarding their mishandling and denial of a fraud claim involving the * * XXXX XXXX XXXX XXXX XXXX * * and * * XXXX XXXX XXXX XXXX * *. On XX/XX/XXXX, Wells Fargo issued a letter acknowledging an unauthorized check for * * {$22000.00} * * that was paid from this account. Wells Fargo has denied my claim for reimbursement, stating that they can not provide credit because too much time passed before they were contacted about the fraud. The fraudulent check ( Serial XXXX XXXXXXXX ) was processed on XX/XX/XXXX, and made payable to * * XXXX XXXX * *. While Wells Fargo denied the claim as " untimely '', they committed to attempting to recover from the bank that accepted the check, * * XXXX XXXX XXXX, XXXX. * *. In their correspondence, Wells Fargo stated : * It typically takes * * XXXX days * * to receive a response from the other bank. * They would provide a follow-up response detailing any amount recovered. * If funds were not recovered, they would provide all documentation that the other bank provided related to the claim. As of today, XX/XX/XXXX, XXXX days have passed since Wells Fargo sent me that letter. To date, I have not received any follow-up, documentation, or status update from Wells Fargo XXXX They have significantly exceeded their stated XXXX timeline and failed to provide the transparency they promised, despite denying my reimbursement. Furthermore, Wells Fargo 's lack of follow-through has significantly crippled the XXXX XXXX Police Department 's ability to investigate this crime. Without the promised documentation and recovery details, law enforcement remains unable to proceed with a complete investigation into the theft of these trust funds. I am requesting the CFPBs assistance in compelling Wells Fargo to provide : XXXX. All documentation regarding XXXX XXXX internal investigation into this fraud. XXXX. All documentation and correspondence received from XXXX XXXX XXXX, XXXX. regarding this item. XXXX. A definitive update on the status of the recovery of the * * {$22000.00} * *. Thank you for your assistance in resolving this matter and for facilitating the necessary information for local law enforcement.

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 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding a serious mortgage servicing error involving escrow misapplication and duplicate tax collection. Between XXXX and XXXX, I made all required monthly mortgage payments, including escrow payments designated for XXXX XXXX property taxes. During those years, my loan was serviced by BSI Financial Services. Despite my payments, XXXX XXXX marked my property taxes as unpaid and initiated proceedings that placed my property at risk of tax sale. I later learned that XXXX had paid property taxes to the wrong parcel number for XXXX consecutive years. After my mortgage servicing transferred to XXXX XXXX, they paid {$38000.00} in back taxes, penalties, and interest to prevent further action by the county. However, XXXX XXXX did not credit my escrow account for the funds previously collected and disbursed during XXXX. Instead, they are now charging me again for those same tax years through an escrow shortage calculation. I have been paying those extra charges to XXXX XXXX since XXXX of XXXX. I have already provided transaction histories and documentation showing that I paid escrow during the affected years. Nevertheless, the servicer is requiring me to obtain copies of endorsed checks from the prior servicer, effectively placing the burden of resolving their internal servicing error on me. This situation has caused : * Risk of property tax sale despite timely payments * Financial harm through duplicate tax collection * Significant stress and time spent attempting to resolve the matter * Ongoing escrow overcharges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: CA

Complaint narrative:
I have initiated a transaction for {$4400.00} to be transferred to XXXX.on XX/XX/2026. The funds estimated delivery kept getting delayed eventually marking the transaction as complete without actual funds getting delivered to recipient account. The transaction was updated as complete on XX/XX/2026 and I have been trying to reach out to them ever since for updates on what is happening. I have not received a single response from their end. They only have email support so I have not been able to get any direct update.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am reporting a dealer-facilitated straw purchase fraud and ongoing document tampering by XXXX XXXX XXXX XXXX Maryland XXXX XXXX # XXXX ). On XX/XX/year>, the dealership processed a {$98000.00} retail installment contract ( Loan # XXXX ) in my name. However, the dealership knowingly titled the vehicle ( 2024 XXXX XXXX ) entirely to a third party in Virginia. This misrepresentation left Bank of America with an unsecured loan and no perfected lien.I have contacted the dealership and Bank of America XXXX department about this issue and asked for a dealer charge-back / buy-back and rescission of this loan. The dealership formally rejected my request. I have reported this to both Virginia XXXX and the Maryland XXXX ( XXXX XXXX XXXX ) and the Maryland Attorney General. Since I began this dispute, the dealership has admitted in writing that the title is 'incorrect. ' They are now contacting the third-party and attempting to retroactively add my name to the Virginia title without my consent, signature, or presence. This is a secondary fraudulent act intended to 'cure ' the initial illegal straw purchase. I have formally refused this 'fix ' and demand a full rescission, as I do not possess the vehicle and will not participate in a fraudulent filing.

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 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding Upstarts failure to provide my required Form XXXX ( Student Loan Interest Statement ) for my XXXX XXXX account # XXXX. For tax year XXXX, my request for Form XXXX was denied due to alleged failure to submit Form XXXX on time. However, for tax year XXXX, I submitted the required XXXX form within the specified timeframe. Despite complying with their requirements, I have still not received my XXXX. I have contacted Upstart multiple times through their customer support channels in an effort to resolve this matter. My attempts have been unsuccessful, and I have not received a clear explanation as to why the document has not been issued. This document is necessary for me to accurately file my federal income taxes and claim any eligible student loan interest deductions. Upstarts failure to provide this required tax form is preventing me from properly completing my tax return in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the following information appearing on my credit report. This account is obsolete and should have been removed according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Original Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXXXXXX ( File # XXXX ) Date Opened : XX/XX/year> ( XXXX years XXXX months ) Reason for Dispute : This account is over 7 years past the Date of First Delinquency ( DOFD ). Under the FCRA, negative information must be removed from a consumer 's credit report 7 years after the original delinquency date. While I am currently managing this debt through a payment plan with XXXX XXXX XXXX XXXX., my ongoing payments do not restart the 7-year credit reporting clock.

Company response to consumer: Closed with explanation