vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I became aware of dozens ( XXXX ) of withdrawals made by XXXX from XX/XX/XXXX - XX/XX/year>, totaling approximately {$8900.00}. My bank, SchoolsFirst Federal Credit Union failed to catch the unusual activity before I called them on XX/XX/year>. Both my bank and XXXX have denied any fraud since my son XXXX XXXX had used an account with XXXX in the past ( about a year ago ). I have received the " documentation '' which shows a phone number no longer used by my son and did not own at the time of the fraud. I don't have enough technological knowledge to understand how my IP Address could have been used, but I do know that this was fraudulent activity. Both parties have a copy of the documents. As I said, the dates of activity begin on XX/XX/year> and end on XX/XX/year> when I contacted my bank. The amounts range from {$32.00} - {$250.00}. I can provide the complete list if needed. Please advise as to the amount of responsibility my bank has in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: MD

Complaint narrative:
I have received an unsolicited and fraudulent new account with my email address that I did not set up with eToro. This apparently is a widely occurring problem. I do not want my email address tied to some crypto XXXX this company is running and I am stunned that an account for a financial platform was started without email verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I am filing a complaint regarding inaccurate loan servicing, improper debt calculation, and wrongful foreclosure activity. The loan originated on XX/XX/XXXX. The last payment was made in XX/XX/XXXX. A foreclosure proceeding was filed in XX/XX/XXXX and is still being pursued today. Under Louisiana law ( Civil Code Article 3498 ), mortgage debt is subject to a five-year prescriptive period. The enforceable amount depends on whether the loan was accelerated : If the loan was accelerated in XXXX, the entire balance became due at that time and prescribed within XXXX years, meaning the enforceable balance today is {$0.00}. If the loan was not accelerated, it remains an installment obligation. Each payment prescribes XXXX years from its due date. Under this rule, only payments from XX/XX/XXXX through XX/XX/XXXX are enforceable, totaling approximately {$59000.00} ( XXXX payments at {$990.00} per month ). However, the servicer is currently asserting a balance of approximately {$130000.00}. This amount includes payments older than XXXX years and interest on those payments, which are legally extinguished. Additionally, the foreclosure petition is based on payments from XXXX through XXXX, which are now prescribed. The only payments that could be enforceable today are not identified in the petition and have not been supported with documentation. The servicer has failed to correct this error despite requests for information and dispute notices. This conduct violates federal mortgage servicing regulations, including : 12 CFR 1024.35 ( failure to correct account errors after notice ) 12 CFR 1024.36 ( failure to provide accurate loan information ) The servicer has not provided a lawful recalculation of the debt, has not identified enforceable installments, and continues to pursue foreclosure based on an inflated and inaccurate balance. As a result, the foreclosure is proceeding without a valid, legally enforceable claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/26 Unrecognized inquiries on my report need to take action against the company and dispute Collection/Charges/off in the 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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I am writing to formally dispute the collection account listed under JEFFERSON CAPITAL SYST with the account number ending in XXXX, which appears on my credit reports from XXXX, XXXX, and XXXX. The account reflects a balance of {$4000.00} and is currently marked as 'Collection. ' This account is not mine, and I have no knowledge of any outstanding debt owed to JEFFERSON CAPITAL SYST. On XX/XX/XXXX, I initiated a dispute regarding this matter, citing incorrect details, but the account remains on my credit reports, adversely affecting my credit scores, which are XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report. The presence of this erroneous collection account has negatively impacted my financial standing, potentially affecting my ability to secure credit or loans. This situation has caused significant stress and inconvenience, and it is imperative that this matter be resolved promptly. I request that JEFFERSON CAPITAL SYST provide written verification of this debt, including any documentation that substantiates the alleged debt 's validity. If such documentation can not be provided, I demand the immediate removal of this account from all three credit bureaus, as mandated under the FCRA. Thank you for your prompt attention to this matter. I look forward to a swift resolution that rectifies this issue and restores the accuracy of my credit reports. For any correspondence, please contact me at the address provided above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am submitting this complaint regarding my banks failure to properly investigate and reimburse an unauthorized electronic funds transfer totaling {$6500.00}. On XX/XX/year>, I was approached by XXXX individuals in a vehicle who intimidated me and forcibly took my phone from my hands. While I was under duress, they accessed my XXXX XXXX and completed a transfer without my consent. This transaction was not authorized. It occurred under coercion and involved the physical taking of my device. I immediately reported the incident to my bank and filed a dispute. The bank issued a provisional credit, which indicates the claim initially had merit. However, the bank later reversed the credit, stating that the transaction was authorized. This determination is incorrect and does not align with the protections provided under the Electronic Fund Transfer Act ( Regulation E ). A transaction conducted under threat, coercion, or after a device is taken should not be considered authorized. I have filed ( or am in the process of filing ) a police report documenting the incident and will provide that documentation. I am requesting that the bank : Reopen and properly investigate this claim under Regulation E Provide the specific evidence used to determine the transaction was authorized Reimburse the {$6500.00} that was taken as a result of this incident This type of crime is increasingly common, and consumers should not be held liable for transactions completed under coercion or theft. I am requesting a full resolution and reimbursement of the disputed amount.

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 2026-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I opened a claim with Bank of America who I've been banking with for years. I noticed fraudulent charges on my account from a company that I did not recognized. I notified the bank as soon a I noticed these charges and opened a claim. Bank of america issued a temporary credit and filed and investigation. They later deemed part of the charges fraud and part not fraud which made no sense to me because they are all from the same company and I told them I do not recognize that company nor did I authorized those charges. Bank of america later took back the money from my savings account without any notice and left me in finacial burden because that money was to pay my bills. I reached out to them none of the agents was able to provide a valid reason as to why this is happening and why i am being penalized. All they could tell me is that they will reopnlen the claim and it will be denied again if i dont have supporitng documents. What supporting documents?? I told them i did not make or authorize those charges. I filed a report with the FTC for fraud and identity theft because I even explained to them that I had to put a lock on my credit report due to getting alerts about my data being breached. I also explained to them that someone used my info few years ago to purchase furniture and I was able to resolve that issue with the company that deemed it fraud. I do not know who has access to my account. When I saw those charges I Immediately reached out to the bank because thats what I am to do. And it seem it was going on for a few months because I was not monitoring the account as much. I have since taken measures to protect my information however Bank Of America need to make this right and not penalized their customer. I have been a customer for years and do not feel supported and protected. I need my money back because I will not be held liable for charges that I did not make or authorized.

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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am writing in response to a collection account listed on my credit report. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not acknowledge this debt and request that you provide proper documentation to verify it. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt A copy of any signed agreement or contract showing I am responsible for this debt A complete payment history, including the amount owed and how it was calculated Proof that your agency is authorized to collect on this debt Until you provide proper validation, I request that you cease all collection activity and reporting of this account to any credit reporting agencies. If you are unable to validate this debt, please remove this account from my credit report with all credit bureaus immediately. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
I disputed this collection account with Sunrise Credit after seeing it reported for {$3800.00} with an opening date of XX/XX/year>. I do not recognize this account and do not recall having an XXXX XXXX XXXX account during this time period. I requested validation of the debt, including supporting documentation and proof of the original obligation. The company responded that the account was verified but did not provide any documentation or meaningful proof. I also had difficulty getting clear information when I contacted them, as they did not initially explain who they were or provide sufficient details. I am requesting proper validation of this debt or removal from my credit report if it can not be verified.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the incorrect information reported by Regional Acceptance on my credit reports with XXXX, XXXX, and XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. The account in question ends in XXXX with a reported balance of {$10000.00} and is currently marked as 'Charge-Off. ' On XX/XX/XXXX, I filed a dispute regarding this account due to incorrect details being reflected on my credit reports. However, as of today, XX/XX/XXXX, this account is still erroneously listed as charged off, negatively impacting my credit scores across all three bureaus, which are currently XXXX XXXX, XXXX XXXX, and XXXX XXXX. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information furnished to credit bureaus must be accurate and complete. The continued presence of this incorrect charge-off status has caused significant harm to my financial standing and ability to obtain credit. The errors in my credit report have resulted in higher interest rates and denial of credit opportunities, which are detrimental to my financial well-being and future plans. I have provided all necessary documentation to support my claim that the information is incorrect, yet Regional Acceptance has failed to rectify the error. This lack of action not only violates the FCRA but also undermines my rights as a consumer. I am requesting the complete removal of this account from all three credit bureaus : XXXX XXXX and XXXX. I expect a swift resolution to this matter and an immediate update to my credit reports to reflect the accurate status of this 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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute incorrect information on my credit report. My date of birth is XXXX XXXX XXXX, and the last four digits of my Social Security Number are XXXX. I have noticed a significant error associated with an account from KIKOFF LENDING LLC on my XXXX credit report. The account number ending in XXXX is reported with a derogatory status and a XXXX balance. This account is inaccurately marked as derogatory, and it is adversely affecting my credit scores across all three credit bureausXXXX, XXXX, and XXXXwith scores of XXXX, XXXX, and XXXX, respectively. This derogatory status is incorrect and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. The presence of this inaccurate derogatory account is causing unnecessary harm to my creditworthiness and financial stability, affecting my ability to secure favorable credit terms and causing distress. I have not received any communications from KIKOFF LENDING LLC regarding this account, and I believe this entry to be erroneous. I request that KIKOFF LENDING LLC conduct a thorough investigation and correct this error promptly. I have already reached out to XXXX to dispute this matter, but I am also seeking your assistance to expedite the resolution. I expect KIKOFF LENDING LLC to verify the accuracy of the account details and instruct XXXX to remove the derogatory status from my credit report. This correction is crucial to restore my credit standing and prevent further damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I am disputing improper fees and billing errors on my XXXX XXXX account issued by XXXX XXXX XXXX XXXX and serviced by Continental Finance. On or about XX/XX/XXXX, I received notice that a {$12.00} monthly maintenance fee would be added to my account effective XX/XX/XXXX. I exercised my right to reject this change by calling before the stated deadline. I understood that opting out would prevent further use of the account, which I accepted. Despite my valid opt-out, monthly maintenance fees continued to be charged. I previously disputed these charges. The company issued only a partial refund of {$12.00}. My XX/XX/XXXX statement shows total fees charged in XXXX of {$42.00}, confirming that multiple improper fees were assessed after my opt-out. In addition, a {$30.00} late fee was assessed on XX/XX/XXXX. This fee is invalid. I made a {$100.00} payment on XX/XX/XXXX, which was processed on XX/XX/XXXX. There was no missed or late payment. The account is closed, yet improper fees and related interest charges continue to be applied. This appears to be a failure to honor a valid opt-out of a material change in terms and improper servicing of the account, including assessment of unsupported fees. I am requesting correction of all billing errors, including full refund of all maintenance fees after opt-out, reversal of the late fee, and reversal of any related interest charges. I also request confirmation that no negative credit reporting has occurred.

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 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing the following account as inaccurate and unverifiable : Creditor : XXXX XXXX XXXX XXXX XXXX / National Credit Systems Inc Balance : {$4100.00} This account is being reported without proper verification. The furnisher has failed to provide the Date of First Delinquency and has not validated the accuracy of the balance or provided an itemized breakdown of charges. Under the Fair Credit Reporting Act, I am requesting full verification of this account, including : - Date of First Delinquency - Complete payment history - Itemized statement of charges - Signed lease agreement or contract If this information can not be verified, this account must be deleted immediately. Please investigate and remove this account if it can not be properly validated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
This is for a health credit card. I was charged XXXX worth of interest on XX/XX/XXXX. My card balance prior to charge was around XXXX. I have been making monthly payments since the card was obtained in XX/XX/year>. I am currently preparing for a legal case with a hospital system that they are aware of.

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 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
During the vehicle purchase at a Lexus dealership in XXXX, I was informed by the finance representative that my APR would be 24 %. I expressed concern that the rate was very high. A XXXX-speaking staff member assisting in the transaction told me that, as a new immigrant with limited credit history, Lexus Financial Services was essentially the only lender able to approve my loan. When I questioned the high interest rate, the representative compared it to credit card interest rates and asked me about my credit card APR. I stated it was around 28 %. He implied that the auto loan rate was reasonable in comparison, which influenced my understanding of the financing terms. I later learned that credit card interest rates are not an appropriate comparison for auto loan financing, and I believe this comparison may have been misleading. I felt pressured to proceed with the same-day purchase and financing decision in order to take delivery of the vehicle. I am concerned that the loan terms and alternatives were not clearly and fairly explained at the time of signing.

Company response to consumer: Closed with explanation