vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The account XXXX XXXX XXXX Account number XXXX has already been deleted by XXXX  and Under the Fair Credit Reporting Act ( FCRA ), all reporting must be accurate and consistent across all credit bureaus. Your continued reporting of this account is a direct violation of that requirement please Delete this account from your records immediately. Below is attached proof it was deleted from other credit bureaus and proof of identity.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of multiple credit card billing disputes involving transactions posted under the descriptor XXXX  dated XXXX XXXX XXXX.
I disputed eight transactions totaling {$1200.00} under the following case numbers and amounts : XXXX {$190.00} XXXX {$240.00} XXXX {$190.00} XXXX {$140.00} XXXX {$99.00} XXXX {$160.00} XXXX {$99.00} XXXX {$99.00} After payment and gameplay, I attempted to access the platforms redemption functionality and requested merchant and processing information. No redemption timeline or resolution was provided despite repeated contact attempts. Following my redemption attempt and request for information, my account became locked, preventing further access to the paid service and any redemption-related functionality.

The transactions also posted under a merchant category described as Bands/ Orchestras / Entertainers, which appears inconsistent with the merchants written description of operating as an online digital social gameplay platform. Attempts to contact the listed payment processor failed because the provided support email address did not exist.

Navy Federal denied the disputes using the rationale that I accepted the merchandise or services, and all cases are now shown as Step 3 of 3 Closed. The denials did not address material information provided during the dispute process, including the inability to access the service after the account lock, the failure of redemption-related functionality, merchant non-responsiveness and invalid processor contact, and the apparent inconsistency in merchant category classification.

Because these issues were not meaningfully evaluated, I believe Navy Federal did not conduct a reasonable investigation of a billing error or failure to deliver as agreed under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ).

I respectfully request that Navy Federal : 1 ) Reopen and conduct a reasonable investigation considering the evidence described above ; 2 ) Provide a written explanation addressing each issue ; and 3 ) Provide appropriate credits or corrective action if services were not delivered as represented.

Please also provide copies of any merchant response, documentation, and internal notes or evidence Navy Federal relied upon in closing these disputes.

I have provided supporting documentation, including correspondence with the merchant, evidence of account lock after the redemption attempt, the processor email bounce, billing records, incorrect MCC and dispute closure notices.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted a principal only payment of {$2000.00} to my mortgage with SoFi Bank. The mortgage and servicing number for this mortgage is XXXX, and the property address is XXXX XXXX XXXX XXXX XXXX XXXX.
On XX/XX/XXXX I submitted a principal only payment of {$2200.00} to the same account. SoFi then sold the Mortgage to XXXX beginning on XX/XX/XXXX. 

SoFi never applied these payments to the Principal of the Mortgage and did a " Misapplication reversal '' to both payments. I called SoFi who stated the money was set aside for XXXX to apply the funds when they took over the mortgage on XX/XX/XXXX. 

XXXX does not have any of these funds, and SoFi will no longer answer where these funds went to. The funds were never returned to me, and SoFi has taken {$4200.00} of a principal only payment and has kept the money. I have screen shots of banking transactions that support this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
I purchased the vehicle from XXXX XXXX XXXX XXXX on XX/XX/year>, with financing through XXXX XXXX. 

On XX/XX/year>, the vehicle was involved in an accident and was rendered inoperable. Police responded, a report was made, and the vehicle was towed. I did not have possession of the vehicle after this date. 

I later retrieved the vehicle from the impound on XX/XX/year>. From XX/XX/year> through approximately XX/XX/year>, the vehicle remained at XXXX XXXX XXXX XXXX. During this time, I was repeatedly promised that repairs were being made and that the vehicle would be fixed. However, I was continuously given the runaround and no meaningful repairs were completed. 

On or around XX/XX/year>, the day before I was told I could pick up the vehicle, I received a message from XXXX, who identified himself as the owner of the lot where my vehicle was located. I was informed that the mechanic had stolen items from the shop and was asked to come retrieve my vehicle. 

When I arrived, I discovered that no repairs had been completed. In addition, the vehicle had sustained new damage while in their possession, including the interior being ransacked, the rearview mirror broken, and the radiator damaged. I filed a police report regarding this incident and have photographs and documentation supporting this damage. 

Despite the vehicle being inoperable, repeatedly misrepresented as being repaired, and not in my possession for extended periods, XXXX XXXX opened and/or continued reporting a loan in my name without my consent or authorization. 

I disputed this account with XXXX XXXXnd requested information from the company. XXXX XXXX failed to provide valid documentation or correct the inaccurate reporting and continues to report this loan on my credit report. 

I am requesting a full investigation, immediate removal of this unauthorized and inaccurate loan from my credit report, and cessation of all related reporting. 
In addition, I emailed XXXX XXXX XXXX customer service with a detailed timeline and evidence of the vehicles condition, including photographs showing damage that occurred while the vehicle was in XXXX XXXX XXXX XXXX possession. Despite receiving this information, XXXX XXXX failed to correct the inaccurate reporting or provide proper validation of the loan and continues to report it on my credit report.

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: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX fraudulent transactions were made to my PayPal account- each for {$4000.00} - on XX/XX/XXXX and XXXX, 2026. XXXX were from the same seller XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX. None of these transactions are valid. 

I reached out to PayPal and the responded in about XXXX hours that these were valid transactions. I disputed the decision and escalated the claim and filed a fraud report with my credit card, XXXX XXXX. XXXX XXXX informed me that I need to work through PayPal. PayPal keeps telling me that they are investigating, periodically a rep has told me the funds would be back in my account in a day, but nothing has happened. 

I have googled the sellers and can not find information other than an email address for XXXX XXXX XXXX, but have found an address and phone number for XXXX XXXX XXXX. I have sent both of them emails and have left a voice mail message for XXXX XXXX telling them that either someone has compromised their identity or they have charged me in error. No response from either one. 

I have filed a police report with the XXXX XXXX XXXX XXXX and an XXXX report with the FBI. 

XXXX XXXX email - XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX, XXXX Florida XXXX XXXX XXXX email address : XXXX XXXX

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: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I mobile deposited a {$5000.00} check that my sister gave me to help repair my roof on or about XXXX. XX/XX/XXXX I tried to make an XXXX payment for auctions I had won and my card was declined with two attempts, XX/XX/XXXX I realized I was locked out of my accounts from the 5/3 app, online banking and had no way to pay my bills. I went in to 5/3 XXXX XXXX XXXX and was told that I had access to my accounts, but I could not log in when I tried. I am allowed to take cash but I would then need to convert that at my expense to money order or cashiers check to pay bills. There was no reason to lock an account down this way, they could easily hold the check to clear and notify me so that I could continue to pay bills with my existing funds. I did not receive notification of an issue in a timely manner nor did the 5/3 fraud alert that I also pay for notify me of any issues. I have been with 5/3 since approx XXXX and I don't understand why I am being held to such an extreme as to be locked from digitally accessing my account. I was told to come in to the bank for any cash I need but they are holding the check for 15 days even though the check writer verified that the check # XXXX has cleared XXXX and 5/3 has the funds. Every bill I pay was tied to my bank card as most merchants online only accept that or my XXXX, that was also tied to the card they cancelled without telling me. I still have a positive balance though I am put in a hardship position of being unable to pay with a check or card. I have been forced to open an account XX/XX/XXXX elsewhere for my VA XXXX check to go to where I can get checks and a card to pay my bills as 5/3 gave me little information of value besides claim fraud was involved. I have been told so many different things and the last was that they are protecting me as the reason to do this. Bringing the physical check to them did no good to prove there was no fraud. I keep being told their fraud department is handling this but I have no contact there. I still don't know what I did wrong and I am tired of going in and being side eyed like I am a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am submitting this complaint regarding the restriction and closure of my Bank of America account and the continued hold of approximately {$6600.00} USD of my funds. 

I have attempted to resolve this matter directly with Bank of America. However, I have not received any clear written explanation regarding the reason for the account closure or the continued restriction of my funds. 

The majority of my account activity consisted of peer-to-peer digital asset transactions conducted through the XXXX XXXX platform. These transactions were completed through the platforms escrow system, and I maintain full records of orders, counterparties, and transaction confirmations. 

There was XXXX isolated transaction that occurred outside of the XXXX platform. This happened due to a misunderstanding when the counterparty indicated that an overpayment had been made. I acted in good faith, believing I was correcting a payment difference. This was not part of a pattern of activity and does not represent my normal transaction behavior. 

At no time did I knowingly participate in fraudulent activity, money laundering, or any attempt to misuse the banking system. 

I have not been given the opportunity to provide documentation demonstrating the lawful source of my funds. 

I respectfully request : A formal written explanation of the reason for account closure and fund restriction Confirmation of whether my funds are subject to any legal hold, investigation, or government order The release of my remaining balance via check or transfer if no legal restriction exists I am willing to cooperate fully and provide all supporting documentation, including XXXX transaction records and payment confirmations.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
After XXXX years of being with USAA, My bank closed my account and froze my funds after receiving XXXX deposits, stating it was for business transactions. These were personal hardship donations. The bank is holding my money with no immediate access, causing financial harm to my family. I need my funds released immediately or a clear written timeline. I believe this is an unreasonable hold on my personal funds. We experienced a fire and people were wanting to donate and instead of working with me I have not talked to anyone in over XXXX hours. I have bills that have tried to go out that are now bouncing, I have no money for gas no money for food. We are a veteran family and we need 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
They are reporting as the original creditor which they are not. 

I am writing to formally dispute inaccurate information appearing on my credit report. 

The account listed below is being reported incorrectly : Collection Agency Name : Account Number : Original Creditor ( as listed ) : This account is being reported as an original creditor. However, this company is a collection agency and is not the original creditor. Reporting a collection agency as the original creditor is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ).

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: Fraud or scam — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
My daughter went to jail and need to be bonded out. I received a call from someone named XXXX XXXX who said he was calling on behalf of my daughter, told me her charges and that she could get out on a collateral bond of XXXX. My mother sent me XXXX on Chime and I transferred XXXX from my bank account. I was told that the bond money had to be sent to either Chime, XXXX or XXXX. I was given a XXXX XXXX XXXX phone number XXXX to send the money to. I sent the and then drove XXXX hours away from where my daughter was. Once I got there to get her was told that her bond hasn't been set and that it was a scam. I got transferred to the police department in XXXX where I was to get my daughter and they told me that where ever I was when I sent the money to file a police report there. In the meantime I called Chime they filed a dispute ( at the time I hadn't filed the report because I was not back in XXXX ). Once I got back I showed where I filed the report online which I didn't know I could do and the next day it was denied. I called them back XXXX I got an actually police report they said that they will reopen it and put the actually police report on there. It was denied also, I ask them to send me a reason for denial all they sent was basic info : the amount and date I reported the dispute which was XX/XX/year> and when I finally got the information on why it was denied the date of the dispute was wrong it was XX/XX/year> and I actually called XX/XX/year>. Called them back several times and told them they had the wrong date and they were suppose to correct and never did. To this day they have I filed the dispute on XX/XX/year> and that is the wrong date that they did on their end. 
It was threw Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Eastern Account System , Inc. ( XXXX XXXX XXXX, XXXX, XXXX  XXXX ) regarding a {$130.00} collection they are reporting on my XXXX  credit report ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) on behalf of XXXX XXXX. 

Background : I was a XXXX XXXX customer. XXXX failed to provide internet service for approximately two weeks. Due to this failure to perform not a billing dispute, but a complete failure to deliver the service I was paying for I canceled my contract. XXXX had no grounds to charge me further, as they were the party that breached the service agreement by failing to deliver. 

Actions I Have Already Taken : 1. I filed a formal dispute with XXXX  challenging this collection as not owed. XXXX  's report ( dated XX/XX/year> ) now shows the remark " Account information disputed by consumer ( FCRA ) '' however, the collection remains on my report. 

2. I sent a written debt validation request to Eastern Account System under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), requesting they provide : - An itemized accounting of the alleged debt - A copy of the signed service agreement - Proof that services were actually rendered for the period in question To my knowledge, they have not provided adequate validation, yet they continue to report this collection. 

Why This Collection Is Invalid : - XXXX  failed to provide service for approximately 2 weeks - I canceled due to XXXX 's non-performance not non-payment - A consumer can not owe for services that were never delivered - Eastern Account System has not validated this debt despite my request - Continued reporting of an unvalidated, disputed debt violates both the FDCPA and FCRA

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company 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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello I am a victim of Identity theft and this account is a result of that Identity theft. I have never opened an account with Capital one. Please have them remove this account from my credit report and conduct a thorough investigation into the nature of this account. I can provide all necessary documents including an identity theft report to prove that I did not apply or benefit from this account. Thank you.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I woke up on XX/XX/year>26 and went to my Cash App and my card was no longer showing only a virtual card. I did not make this request I had no knowledge of this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Keep getting letter in the mail, and phone calls about debt

Company response to consumer: Closed with explanation
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America , N.A . reported my account as charged-off to consumer reporting agencies. 
I disputed this reporting directly with Bank of America and requested documentation to support that the charge-off was accurate and reported in compliance with federal law. 
Bank of America failed to respond to my dispute and failed to provide proof that required billing statements were delivered at least XXXX days before the payment due dates, as required under federal law. The bank also failed to provide proof that I was notified in writing within XXXX  days of furnishing negative credit information. 
Despite my dispute and lack of response, Bank of America continued to report the charge-off information to the credit bureaus. 
I took timely action by submitting written disputes, but the inaccurate and unverified charge-off information remains on my credit reports and continues to negatively impact 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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I got an account w Concord Credit ( Indigo ) XXXX XXXX Credit limit {$700.00}, I added credit protection and Over limit protection due to my disability.I notice they put a XXXX day on me in XX/XX/XXXX that I paid. Fees started there, plus over limit fees plus late fees. That had been going on since day one. Honestly I have been charged Fees since XX/XX/XXXX til now XX/XX/XXXX of all late fees, over limit fees, return check fees ( I don't have checks ) others fees. So I can not accept actually add all them up but I know close to {$600.00}. It very difficult to talk to this company, they are not able to deal with. I have a late on my Credit I have disputed over 12 times. I have proof of payment. It keeps coming back verified. Please investigate this company

Company response to consumer: Closed with explanation