vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I requested full authorization evidence, including IP address, device information, XXXX XXXX, and proof that I authorized the transaction. I also requested proof of delivery or use of the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
My government issued checks were stolen from my account and then my account was locked to where I couldnt get back into it. During these transactions i was incarcerated and gave noone permission to acess my account and wasnt aware of these transactions until i tried filing taxes XXXX i was told my identity was stolen. I started looking at my transcripts and discovered all the transactions. I showed proof of transactions, proof of incarceration and proof of police report and they denied my dispute and i appealed it with still a deny

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am disputing a {$350.00} debt that XXXX has placed on my credit report. I have not had an active XXXX account since approximately XXXX, when I closed my account by phone and confirmed the closure with a XXXX representative. This debt appears to be associated with my late grandmothers account. We previously shared a joint account, and when I left XXXX, I confirmed my name was removed. After my grandmother passed away, XXXX appears to have transferred her unpaid balance to me without my knowledge or consent. I disputed this with all XXXX credit bureaus. None of them removed the item or provided evidence that I am liable for this debt. The account was not properly investigated. I am requesting that XXXX provide the original account agreement that proves my liability, and that this item be immediately removed from my credit report. I am not responsible for my grandmothers debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The company responded but failed to provide any documentation verifying the account, including : No signed agreement No proof of assignment or ownership No payment history No documentation validating the reported balance A response without supporting documentation does not meet the standard of a reasonable investigation under federal law. Ongoing Inaccuracies The following issues remain unresolved : Conflicting Dates : The Date Last Active ( XX/XX/year> ) predates the reported account open date ( XX/XX/year> ) Inconsistent Reporting : The account is reported under different names ( XXXX vs XXXX ) Lack of Verification : No evidence has been provided to substantiate the existence, ownership, or accuracy of this debt Legal Notice Under the Fair Credit Reporting Act : 1681i ( a ) : Requires a reasonable reinvestigation of disputed information 1681s-2 ( b ) : Requires furnishers to review all relevant information and verify accuracy Failure to verify disputed information requires that the account be deleted from my credit file. Request for Resolution Because the furnisher has already failed to verify this account after a prior dispute and CFPB complaint, I am requesting the following : Immediate deletion of this account from my credit report If you continue to report this account, you must provide : The original signed contract Documentation of debt assignment Full payment history Verification of Date of First Delinquency If this information can not be provided, this account must be removed. Final Notice Please be advised that continued reporting of unverified and inaccurate information may constitute willful noncompliance with federal law. I am maintaining detailed records of this matter. I expect this issue to be resolved within the timeframe required by law.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Against : Bank of America Issue : Checking or savings account Deposits and withdrawals Funds availability/holds Complaint Narrative : On XX/XX/year>, I deposited XXXX checks for {$17000.00} each at Bank of America . Before depositing, I specifically asked how long the hold would be and whether any portion would be available. I clearly stated that if no funds were available, I would take the checks to another bank, including XXXX XXXXXXXX XXXX The teller proceeded and issued a written receipt stating that {$6400.00} would be available on XX/XX/year>, and {$10000.00} on XX/XX/year>. I relied on this written representation. Shortly after, I received notice that the entire deposit would be held until XX/XX/year>, contradicting the receipt. I called customer service and spoke with a representative XXXX XXXX XXXX who assured me that over {$6000.00} would be available on XX/XX/year>. I confirmed this multiple times and relied on that statement. The next day, no funds were available. Branch representatives later confirmed that nothing would be available until XX/XX/year>. This is not the first time this has happened. I have experienced similar misinformation multiple times with both my personal accounts and my business account ( XXXX XXXX XXXX ). This reflects a pattern of inconsistent and misleading information about funds availability. I believe Bank of America is violating Regulation CC ( 12 CFR Part 229 ) by : Providing inaccurate and inconsistent funds availability disclosures Failing to honor written availability notices Providing misleading verbal confirmations that customers reasonably rely on As a result, I lost the opportunity to deposit these checks elsewhere and access my funds in a timely manner.

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 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding a disputed medical collection account reported by XXXX XXXX XXXX in the amount of {$2500.00}. This account allegedly stems from an emergency room visit on XX/XX/year>. I was treated for approximately two hours and was billed separately by the hospital, which has already been addressed. I never received any bill, notice, or communication from XXXX XXXX XXXX XXXX regarding this alleged debt prior to it being placed in collections. It has now been nearly two years since the date of service, and this is the first time I am being made aware of this charge. I disputed this account with Equifax and XXXX, and it was marked as verified. However, no proper validation has been provided. Despite multiple requests, neither XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX has supplied : XXXXAn itemized bill -XXXX billing codes -Proof of services rendered -Proof that I am legally obligated to pay this debt -Proof that the collection agency is authorized to collect this debt The failure to provide any billing for nearly two years raises serious concerns regarding the accuracy, validity, and enforceability of this alleged debt, as well as compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Additionally, I did not select or have prior knowledge of this provider, and this billing appears to be a potential violation of the No Surprises Act, which protects patients from unexpected out-of-network charges in emergency situations. I am requesting the following : -Full and proper validation of this alleged debt -A complete itemized bill including XXXX codes -Proof of legal obligation and authorization to collect -Immediate deletion of this account from all credit reporting agencies if proper validation can not be provided This matter is causing ongoing harm to my credit and financial standing. I am requesting an immediate and thorough investigation, along with appropriate corrective action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against SPRING OAKS CAPITAL LLC for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX ( b ). For over 12 months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, SPRING OAKS CAPITAL LLC has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, blind verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXX Bank, NA, XXXX XXXX XXXX ( XXXX XXXX. 2004 ), which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served XXXX XXXX XXXX LLCs XXXX Department with a Pre-Arbitration Settlement Demand, providing a XXXX opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, SPRING OAKS CAPITAL LLC continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding USAA and its failure to properly handle a billing dispute. On XX/XX/year>, I placed a grocery delivery order ( Order # XXXX ). The order was delivered ; however, the contents were completely incorrect and did not match what was purchased. The items were received in sealed paper bags, and the issue was only discovered after opening them. This made it impossible to inspect or reject the order at the time of delivery. The goods received were entirely unusable and did not constitute the items paid for. I made good-faith attempts to resolve this issue directly with the merchant, including contacting them and exchanging messages. While the merchant acknowledged the issue, they did not provide any final resolution or refund, and the matter remained unresolved for nearly a month. I then initiated a dispute with USAA for merchandise not as described/ services not rendered. I submitted all available supporting documentation, including my order confirmation and written communication with the merchant. Despite this, USAA reversed the dispute and determined that no error occurred, apparently based on confirmation that the order was delivered. This is a misclassification of the dispute, as the issue is not delivery, but that the goods provided were entirely incorrect. USAA has requested additional documentation ; however, no additional documentation exists because the merchant has failed to provide any final response or resolution. USAA has failed to conduct a reasonable investigation and has not properly evaluated this dispute under the correct category.

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 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: AL

Complaint narrative:
Attempted XXXX log into online portal and was denied access do XXXX loan status. My last log in attempt was XXXX days ago and I was allowed to navigate the site but was not able to make online payments. I currently do not receive any of my monthly mortgage statements or any important escrow information unless I log in and check for them myself. Upon calling into the automated system and checking the system it says my last statement was mailed out on XX/XX/XXXX but I have usps delivery notification XXXX can prove that I have not received a statement in almost a year by mail. I have expressed this before on days I pay my mortgage but was told they were mailed XXXX my lawyer, I am in an active bankruptcy XXXX have been for over a year, but when calling my lawyer XXXX stopping by his office, I had no mail. Its also documented that I wanted to receive mailed statements in Selene Finance system. I do believe it is law that I receive my monthly mortgage statements XXXX confirm that monies are being used appropriately XXXX also XXXX know if escrow is up XXXX date, XXXX if my annual escrow analysis changed my monthly mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account started reporting on my credit XXXX. I sent out a dispute letter and they followed up letter saying that the information is true and accurate and it's not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a formal regulatory complaint requesting immediate intervention by the Consumer Financial Protection Bureau ( CFPB ) against TRUIST BANK for their systemic, willful, and ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX and XXXX XXXX. XXXX ( b ). For over XXXX months, I have repeatedly submitted detailed disputes regarding a materially inaccurate and unverifiable tradeline being reported on my consumer credit file. Each dispute included clear and compelling documentary evidence demonstrating the inaccuracy of the account. Despite this, TRUIST BANK has willfully failed to conduct a reasonable reinvestigation as required by federal law. Instead, they have relied on a superficial, automated verification processbelieved to be conducted through the e-OSCAR systemresulting in repeated, XXXX verifications of the disputed account without any meaningful human review or substantive evaluation of the evidence provided. This pattern of conduct constitutes a direct and knowing violation of federal law and binding legal precedent, including XXXX XXXX XXXX XXXX Bank, NA, XXXX XXXX XXXX ( XXXX XXXX. 2004 ), which explicitly prohibits furnishers and consumer reporting agencies from relying on cursory or automated procedures in lieu of a genuine reinvestigation. In good faith, and in an effort to avoid formal arbitration and federal litigation, I served TRUIST BANK XXXX XXXX Department with a Pre-Arbitration Settlement Demand, providing a XXXX opportunity to cure these violations by deleting the inaccurate tradeline. They have deliberately ignored this demand. As a result, TRUIST BANK continues to publish and disseminate false, incomplete, and highly damaging information about me to third parties, causing ongoing financial harm, reputational damage, and unlawful suppression of my creditworthiness.

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 2026-04-02 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: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
I signed a loan agreement with GoodLeap on XX/XX/XXXX at my residence in connection with the purchase of a standard residential roof installation from XXXX XXXX. The loan was paid in full on XX/XX/XXXX, XXXX payoff, GoodLeap continued XXXX bill me monthly for {$180.00} described as a UCC termination XXXX recording fee. On XX/XX/XXXX, I sent a formal authenticated demand requesting termination of the XXXX financing statement and disputing the fee. The demand was received on XX/XX/XXXX. I question the legal basis for the XXXX financing statement because the loan financed ordinary building materials used in a residential roof installation, which were incorporated into real property and are not subject to a security interest under XXXX XXXX XXXX. XXXX ( a ). GoodLeap did not comply within the required timeframe and has continued to assert that I owe the fee without addressing the legal basis for the XXXX filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT BUREAU OF NEW ULM, INC.
State: WI

Complaint narrative:
I have a derogatory mark on my credit report for a loan from XXXX I never took. Upon contacting them I was told they sold it to Phoenix Management XXXX. Phoenix Management XXXX hired XXXX XXXX Agency to try and collect the debt. None of the XXXX could provide me accurate personal information about myself or any of the loan paperwork with my signatures or a picture of my identification. I never heard of these companies till this incident and I never took any loans from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 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: NY

Complaint narrative:
I am filing a complaint regarding an invalid collection account being reported by National Credit Systems on my credit report. This debt stems from a lease with XXXX XXXX Apartments. I was forced to break my lease due to uninhabitable living conditions, specifically a persistent mice infestation that was not adequately addressed by management despite complaints. Because the unit was not maintained in a habitable condition, I do not believe I am legally responsible for the charges being claimed. Despite this, National Credit Systems is reporting a collection account for {$10000.00}, which is damaging my credit. I am requesting that National Credit Systems provide full validation of this debt, including detailed documentation showing that the charges are legally owed and justified despite the habitability issues. If they are unable to provide proper validation, I am requesting immediate removal of this account from all credit reporting agencies. Additionally, I request that this matter be investigated as a potential attempt to collect on an invalid or improperly calculated debt. This situation has caused significant financial harm, and I am seeking a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Lennar Financial Services, LLC
State: IN

Complaint narrative:
I have sent XXXX formal requests XXXX Lennar Mortgage XXXX pay off my loan. They never responded XXXX the XXXX request. Their response XXXX the XXXX request stated they would be selling my loan XXXX that I need XXXX make my XXXX payment XXXX them XXXX then work with the new loan provider XXXX the loan is sold. Lennar Mortgage is still my loan provider XXXX they are trying XXXX avoid me saying off the loan so they can recoup interest from my payment XXXX sell my loan. I have requested XXXX loan payoffs from them XXXX spoke with a Lennar Mortgage representative this morning ( XX/XX/year> ), XXXX allegedly they are submitting another XXXX on my behalf today XXXX sending me confirmation via email. I have a VA loan XXXX I should be able XXXX pay off my loan when I, the consumer, request XXXX do so. Lennar Mortgage is preventing me from paying off my loan by employing administrative delays XXXX this should be illegal if it is not already.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent XXXX address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution prove was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.for these violations.

Company response to consumer: Closed with explanation