vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I disputed an inaccurate account on my credit report related to a {$160.00} charge being reported by National Credit Systems for an apartment community identified as XXXX XXXX XXXX in XXXX, Florida. This debt is invalid because I never moved into the apartment, and the charge only applied if I had taken occupancy. As part of my dispute, I provided documentation including a welcome letter showing the charge was conditional upon move-in, as well as written communication from the property manager at XXXX XXXX XXXX confirming that I do not owe this amount and that they would contact National Credit Systems to have the account removed. I am also attaching this supporting documentation to my complaint. Despite this, XXXX failed to conduct a reasonable investigation and instead verified the account as accurate without properly reviewing the evidence I submitted. The account continues to be reported on my credit file, causing harm to my creditworthiness. In addition, when I contacted National Credit Systems to resolve this issue, I was treated in an unprofessional and abusive manner. The representative was hostile, raised their voice, interrupted me repeatedly, and did not allow me to explain the situation. I was pressured during a recorded and monitored call to pay a debt that I do not owe, which is completely inappropriate and unacceptable. This situation reflects both inaccurate credit reporting and improper collection practices. XXXX has failed to meet its obligations under the Fair Credit Reporting Act to conduct a reasonable investigation and ensure maximum possible accuracy. I am requesting the immediate removal of this inaccurate account, correction of my credit report, and confirmation that a proper and thorough investigation has been conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I contacted Bilt about interest charges that posted after a one-day late payment during the XXXX XXXX to Bilt card transition. My autopay had been turned off during the transition, and I believe I re-enabled it when I received the new card, but the payment did not go through. Once I realized the payment was a day late, I paid the account in full immediately. Bilt initially reversed the late fee, but several days later two interest charges totaling approximately {$100.00} posted to my account. I contacted customer service multiple times and was eventually offered a {$25.00} waiver, which I agreed to only if the case would remain open and continue to be reviewed. I was told it would be escalated and was given Bilt Incident # XXXX. After that, I received no meaningful update. About 3 weeks later, I reached back out and I was told I would receive an email within a few hours, but no email was sent. When I contacted support again 1.5 weeks later, I was told they could not help, could not explain why I had been told to expect an email, and could not guarantee when the incident would be resolved, or whether it would ever be resolved. I was also being bounced between Bilt and XXXX, with each side saying the other was responsible. I am requesting removal of the remaining interest charges and a final written explanation of why the charges posted after the late fee had already been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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 submitting this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared without my knowledge or authorization. I have never approved or been involved with them, and it is frustrating and unacceptable to see inaccurate information reported under my name. This matter needs to be investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I received a text with a link from a number posing as Cashapp to log in to fix some information regarding my account. I clicked on the link, noticed that this may be a scam and exited the link. On XX/XX/year> around XXXX, there was a log in on my banking app ( Cashapp ) while I was sleeping. Approximately XXXX minutes later my entire account was emptied and {$1400.00} from my account was sent to a person named XXXX XXXX through XXXX separate transactions, XXXX for {$1000.00}, the other for {$400.00}. Upon waking up at around XXXX I waited until XXXX to speak to the bank to report the fraudulent activity and they told me to wait until the transaction cleared then file a dispute and give them 10 business days to return the money. It has been well over 10 business days and several denied disputes later and the money has not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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 dispute these accounts and did not authorize them. Please investigate and remove them. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
Village Capital Investment is my initial mortgage company. I was trying to do a refinance of my VA XXXX. Which is supposed to be streamline process because I didn't want cash out. The rate is supposed to be 5.25 %. On XX/XX/XXXX, I went into the online portal to make XXXX 's payment. That's when I learned the payment was already being processed and I got a message saying duplicate payment. I did not set that payment up. I was to close on XX/XX/year> and disbursement XX/XX/year>. However, on XX/XX/XXXX, after the payment that someone else set up had cleared my bank account. I get documents stating closing on XX/XX/year>, and disbursement of XX/XX/year>. I told the agent XXXX that he lied because on the XXXX of XXXX after the payment cleared my bank, I asked if the closing was still on for XX/XX/year> and he said yes. Then after XXXX XXXX, I get closing package with all the dates changed. Please note I had submitted a letter on or around XX/XX/year>, confirming, the rate and the closing date of XX/XX/year>. Now it's being changed to XXXX, and I was forced to pay XXXX 's payment even though this was initiated around the XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WV

Complaint narrative:
My mortgage servicer, Rocket Mortgage, failed to disburse payment for my homeowners insurance premium from my escrow account despite sufficient funds being available at the time the payment was due. As a result, my homeowners insurance policy was cancelled effective XX/XX/year> for non-payment. This lapse in coverage was caused entirely by the servicers failure to manage and disburse escrow funds, not by any failure on my part. I contacted the company and provided formal written notice on XX/XX/year> outlining the issue and requesting specific information and corrective action, including the cause of the disbursement failure, confirmation of reinstatement with no lapse in coverage, and assurance that no force-placed insurance would be applied. I followed up again on XX/XX/year>. The company did not provide any of the requested information or a resolution. Instead, they redirected me to another department and advised me to call or use chat, without addressing the issue in writing. Although the insurance policy has since been reinstated, I have not received confirmation that the coverage was restored retroactively to eliminate the lapse. During the lapse period, my property was uninsured, exposing me to significant financial risk through no fault of my own. The company has failed to provide a clear explanation, documentation, or written resolution regarding this servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt that is inaccurately reported on my credit profile by CENTRAL PORTFOLIO CONT. The account in question is identified as XXXX XXXX XXXX XXXX XXXX with a balance of {$930.00}, currently marked as 'Collection ' status, and is being reported to both XXXX and XXXX XXXX My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I have never had any dealings or agreements with CENTRAL PORTFOLIO CONT, nor have I authorized anyone to incur this debt on my behalf. Therefore, this debt is not mine. The presence of this erroneous account is causing significant harm to my financial standing, as evidenced by my credit scores : XXXX XXXX, XXXX XXXX, and XXXX XXXX. This inaccurate information has affected my ability to obtain necessary credit and has caused undue stress and hardship. On XX/XX/XXXX, I filed a dispute regarding incorrect details through an automated dispute process, but the account remains unjustly listed on my credit reports. This continued inaccuracy not only violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of accurate information, but it also represents a failure in debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as I have not been provided with any evidence substantiating this alleged debt. I am requesting the immediate and complete removal of this account from all three major credit bureaus : XXXX, XXXX, and XXXX. The removal of this erroneous account will help restore my credit standing and alleviate the negative impact it has unjustly caused. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
Ok I received a email from XXXX say my account is locked for someone else using my account so I checked my banking account and notice that there was charges on my account so I dispute it with south state and when I was waiting for them to dispute the charges I been talking to the F.B.I and I also received emails from XXXX stating they never received the money and Im to pay XXXX so they could unlock my account so I brought it to the bank in the morning when I got my mail that day the bank said there was no error and the amount was right so I called the bank and they told me that I have to go up to the bank to reopen the dispute than I called customer service they said they have to put a ticket in to reopen a dispute so they refused to dispute unauthorized transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Tesla, Inc.
State: MI

Complaint narrative:
I recently reinstated my vehicle lease with Tesla after a repossession and made payments in good faith to bring my account current. As part of this, I was charged a {$600.00} towing fee. Since reinstating, I have made multiple attempts over approximately XXXX weeks to contact Tesla to resolve the remaining balance and discuss options for handling the towing fee. I have called several times and was told on each occasion that a manager or supervisor would contact me within XXXX hours. I have not received any callback. I have also submitted proof of payment, including a wire transfer, but I have not received confirmation that my payment has been properly applied to my account. Despite my efforts to resolve the matter and remain in good standing, I continue to receive collection-related communication. I am not refusing to pay the towing fee. I am requesting communication and reasonable options, such as a payment arrangement or temporary deferral, so I can maintain my account without further issues. At this point, the company has failed to respond to repeated requests for assistance, and I am seeking help to ensure my account is properly reviewed, updated, and that I can reach someone with the authority to resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a fraud dispute involving my XXXX credit card ( Case # XXXX ). I reported multiple unauthorized transactions on my account. These transactions consist of numerous small-dollar purchases across different merchants and dates, which is consistent with fraudulent card use and card compromise. Capital One denied my claim, stating there was insufficient evidence of fraud and asserting that I or another account user benefited from the transactions. However, they provided no evidence whatsoever to support this conclusion. Specifically, Capital One failed to provide : Any transaction authentication data ( e.g., chip, swipe, or contactless ) Any device or terminal identification Any geolocation or merchant verification Any signature, PIN, or authorization records Identification of any authorized user who allegedly benefited Their response is conclusory and does not meet the requirements of a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). Despite reporting these transactions as unauthorized, Capital One has held me responsible without demonstrating any factual basis for its determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently had a business checking account that had been opened for years and was closed do to a negative balance in which I called customer service and they assured me I had til XX/XX/XXXX to bring it positive but in return was closed early than agreed and was not told that it was a estimate of time but exact date.

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 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
ON XX/XX/XXXX CITIBANK PUT A BLOCK ON MY ACCOUNT THAT LEFT ME AND MY FAMILY MISERABLE BECAUSE THEY HAVE XXXX dollars of mine in my savings. I HAVE BILLS COMING UP XX/XX/XXXX ITS BEEN XXXX HOURS AND THEY HAVE NOT GAVE ME ONE SINGLE REASON. I NEED MY MONEY OFF OF THIS ACCOUNT I WILL NEVER BANK WITH THEM AGAIN AFTER THIS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Complaint Description for CFPB Submission I am filing a complaint against Goldman Sachs regarding an issue with my account that has caused significant financial hardship. My account was suddenly restricted following an address change, without clear explanation or prior notice. As a result, I have been locked out of my account and unable to access my funds. Additionally, a transfer of {$100.00} that I initiated was cancelled without my authorization or a valid reason provided. I have a balance of {$800.00}, and I can no longer see my balance or account details through the application. my account has been restricted now for about 2 weeks with no correspondance issued through the company, and when I try to call they say there's nothing they can do about it because its not their department. This situation has directly impacted my ability to pay essential expenses, including rent and bills, placing me under serious financial strain. Despite multiple attempts to contact Goldman Sachs for clarification and resolution, they have failed to provide timely updates or meaningful communication about the status of my account or when I will regain access to my funds. I am requesting immediate restoration of access to my account, release of my funds, and a clear explanation for the restriction and cancelled transaction. I also request that Goldman Sachs improve their communication practices to prevent customers from being left without critical information regarding their finances. This matter is urgent due to the financial hardship it is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: VA

Complaint narrative:
while I was in the process of refinancing my home. notice collection was in my credit report I contacted Pro XXXX - provided my info and now they're not stop calling me demanding money ASAP! please remove this ASAP - i have reported and files CFBC and FTC-

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Most transactions involved digital wallets and XXXX accounts. These wallets and accounts were used to transfer cash from my bank /credit card accounts and purchase XXXX for immediate transfer.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Reprise Financial ( operating as a DBA for Skopos Financial , LLC ) and its originating partner, XXXX, for engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regarding a personal loan. During my loan application process, Reprise Financial employed deceptive bait-and-switch tactics. There were significant, unexplained discrepancies between the initially quoted terms presented to me and the final contract terms. Furthermore, Reprise Financial utilizes XXXX XXXX, FDIC-insured bankas the originating entity for these loans. This structure appears to be a deliberate front used to bypass and circumvent Florida 's state usury limits and consumer protection laws. I have retained full documentation of this transaction, including the initial quotes and the final contract discrepancies, to substantiate these claims of deceptive practices. Additionally, I have successfully exercised my right to opt out of the company 's mandatory arbitration clause in writing to preserve my legal right to a trial. I am requesting that the CFPB investigate these bait-and-switch tactics ( effectively jumping my interest rate from 23 % up to 35 % then after it's all finished, ends up being 90 % interest over the full timespan of the loan ) and the company 's use of out-of-state banking charters to evade state-level lending regulations.

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