vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/year>, I was approved for Bank of Americas Hardship Assistance Program with a new XXXX XXXX monthly payment beginning XX/XX/year>. During that call, the representative explicitly told me that my previous {$110.00} payment would be canceled and no longer required. I relied upon that information as communicated. 

Despite this, both {$38.00} and {$110.00} were withdrawn via autopay on XX/XX/year> ( posted XX/XX/year> ) causing an overdraft in my XXXX checking account. I immediately contacted Bank of America, and their representative confirmed it was a duplicate payment and would be fixed within two business days to two billing cycles. 

I contacted several Bank of America representatives, and have a detailed timeline document attached of all call records. On XX/XX/XXXX, I was told by a rep the {$110.00} payment was later returned as a paper check, but Bank of Americas system has since incorrectly flagged my account as past due and increased my current balance from {$3500.00} to {$3800.00}, even though I made all payments as agreed and on time.

Multiple representatives have acknowledged confusion, Bank of America 's mistake, and system errors but have refused to provide written confirmation that my account will not be reported as delinquent or current, and refused to adjust by balance to the correct sum. 


The math of my balance * SHOULD * be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX current account balance : {$3500.00} XX/XX/XXXX authorized payment : {$38.00} XX/XX/XXXX unauthorized payment : {$110.00} Sum of account XX/XX/XXXX : {$3400.00} ( XXXX - XXXX - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Checking account declined XX/XX/XXXX : {$110.00} Sum of account balance XX/XX/XXXX : {$3500.00} ( XXXX - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paper Check is mailed out due to unauthorized payment : XXXX Sum of account balance XXXX XX/XX/XXXX : {$3600.00} ( XXXX + XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I receive check & pay it back, sum of account balance should be : {$3500.00} ( XXXX - XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently, {$3800.00} is reflected in my account 's current balance and does not mathematically make sense or reflect correctly.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current.Charged Off Accounts : Charged Off Accounts : XXXX XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX opened XX/XX/XXXX balance {$5600.00} XXXX XXXX opened XX/XX/XXXX balance {$890.00} Late Payments : XXXX XXXX XXXX 1 late payment reported on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am writing regarding a {$30.00} refund check fee that was charged to my Citi credit card account, which I believe is unfair and should be reversed.

My payment for the statement period was made on time and successfully processed. However, I also had an auto-payment set up from a bank account that had already been closed. Even though the full payment had already been made, the auto-payment system still attempted to withdraw funds from the closed account. When that withdrawal failed, Citi charged me a {$30.00} refund/returned payment fee.

I contacted Citi to request a refund of this fee, as I had already paid my credit card bill on time and did not cause any actual loss or delay in payment. The issue arose solely because the auto-payment attempted to pull funds from a closed account after the balance had already been paid. Citi informed me that, according to policy and equal practice, the fee would not be refunded.

While I understand the need for consistent policies, I do not believe it is reasonable to charge a customer a fee in a situation where : The payment was already made on time and processed, and The fee resulted from an automatic system behavior, not from a missed payment or intentional non-payment.

In this case, the fee feels punitive and unnecessary, as there was no harm or delay to Citi. I respectfully request that this matter be reviewed carefully, that the {$30.00} fee be refunded, and that Citi reconsider how such situations are handled so that customers are not charged fees that result from automated processes rather than true customer error.

Thank you for your time and consideration.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( also known as XXXX XXXX ) for unlawfully taking funds from my bank account that consist solely of XXXX XXXX XXXX ( XXXX ), which is federally protected from garnishment under 42 U.S.C. 407. 

Recently, I discovered that XXXX XXXX placed a hold on my account and withdrew money without authorization. These funds are my only source of income, coming directly from the XXXX XXXX XXXXXXXX. I have documentation from my bank showing that the deposits are XXXX XXXX, as well as records of the withdrawal and/or account freeze initiated by XXXX XXXX .

I believe this action is a direct violation of federal and state law, as creditors are prohibited from seizing or freezing XXXX XXXX XXXX. I respectfully request that your office investigate this matter and assist in having my funds released and returned immediately. 

Details : Law firm : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action : Unauthorized hold and/or withdrawal from my bank account Account contains only XXXX XXXX  Approximate date of garnishment : [ XXXX XXXX ] Bank name : XXXX I am also requesting that XXXX XXXX cease all further attempts to collect from or access my protected funds.

Please advise on the next steps to file a formal complaint and provide any supporting documents your office may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
that XXXX was contacting my family regarding my location even though I told them where my current residence is. And that XXXX was being very aggressive. When contacting me about the debt, when I requested proof of payment, they wouldn't provide that for me. They said they are calling regarding my acima lease so I am not sure how a third party for my information form acima but they have been calling everyday harassing me and not wanting to give me proof of anything. They have been calling my parents/partner as well. The call off the different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
filed a dispute with SoFi Bank concerning an ATM transaction in which the machine failed to dispense cash, yet the full withdrawal amount was debited from my account.

SoFi acknowledged receipt of my dispute and subsequently issued a provisional credit as required under Regulation E ( 12 CFR 1005.11 ). However, immediately after issuing the provisional credit, SoFi restricted my account and marked it pending closure, effectively revoking my ability to access the credited funds.

This action defeats the entire purpose of the Regulation E provisional credit requirement, which exists to ensure that consumers have temporary use of their money while an investigation is pending. SoFis conduct appears to be a deliberate tactictechnically issuing the credit for compliance optics while blocking access to it through internal account restrictions.

I believe SoFi is abusing its position and masking non-compliance by using these risk review restrictions as a loophole to deny customers the protection Regulation E guarantees. This is both unfair and deceptive and likely constitutes a UDAAP violation under federal law.

I have repeatedly requested written clarification and a release or issuance of the provisional credit funds ( by check or ACH ), but SoFi has failed to provide any lawful explanation or meaningful resolution. The restricted status of my account continues to deprive me of access to the provisional credit that SoFi claims to have provided.

Requested Action by the CFPB : Investigate SoFi Banks handling of provisional credits and its practice of restricting accounts following disputes.

Require SoFi to release or disburse ( by mailed check or ACH ) the provisional credit issued for my ATM error.

Obtain from SoFi a written explanation detailing how these restrictions align with Regulation E and consumer-protection standards.

Review whether SoFis actions constitute a pattern of unfair, deceptive, or abusive acts or practices ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
NATCREADXXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research NATCREADXXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: MI

Complaint narrative:
I reached out to LoanCare to request a formal appraisal on XX/XX/XXXX. I paid for the appraisal from my bank account on XX/XX/XXXX in the amount of {$460.00}. XXXX XXXX XXXX XXXX  contracted by Loancare came out and did the formal appraisal on XX/XX/XXXX. I was not allowed to have an outside company do the appraisal. I received copy of the appraisal on XX/XX/XXXX via USPS. I reached out to LoanCare to inquire on if the PMI was being removed since it was not stipulated in the documents. They stated they have denied the request at this time. The main issue is by there own appraisal ( which was done incorrectly ) they valued my home at {$190000.00} and I have a principal remaining balance of {$140000.00}. Therefore the XXXX is 78.82 %. With the appraisal I sent them a list of XXXX XXXX in upgrades and repairs I have done to the home. Without valid explination LoanCare is stating the " investor '' stated that all the improvement brought {$0.00} in value to the home. They are also stating they will not remove PMI even though there own guideline stipulates that under 80 % LTV PMI is to be removed automatically. I believe they have a biased and possibly illegal internal process for PMI review that is not following there own guidelines and the law. If they are doing this to me they may be doing this to many other Americans with this mortgage provider who have not been wise enought to file a complaint. I have all the supporting documents as well as there own representative contradicting themselves in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
To whom it may concern, Im under a sub prime lender!! At the time I wasnt aware of the company and its position in getting so much interest on my loan, not until I went to refinance and was unable to because I didnt have any positive equity in the vehicle, I dont understand how I can owe more on the car then the original amount of the car! The daily interest on the loan is highway robbery and it needs to be addressed! People are struggling and this company is robbing us blind! We pay for years on these vehicles and when we get the information about how we have been trapped in these loans they try to repossess the vehicle and auction it off and your still liable for a loan that you have no collateral for and have to file bankruptcy and mess your credit up, that youve been trying to establish for years! Please help me and many many others who are getting scammed by EXETER FINANCE!!! This cant go on, I had a XXXX and fell behind on my payments I tried to get caught up, but at the rate of the daily interest there is no way to get caught up! The XXXXXXXX XXXX XXXX  value of my car is {$4700.00} Exeter says I owe {$17000.00} Ive had the car since 2021! At {$500.00} a month and my original loan was {$16000.00} make that make since???? I need help please why should I give them a car that I have paid for! It my car, I worked hard to give them money and to have nothing to show for it isnt right!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
I have requested contact information for my Loan Holder specifically as Firstmark Services has been uncooperative. Im using this as a formal request for the official XXXX discharge policy and the contact information for my loan holder. I will not accept the contact customer service line they keep trying to use as they are uncooperative. I have a right to be able to contact the loan holder. I also have a right to view the official XXXX discharge policy as this is starting to feel like the company is withholding information pertaining to a debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am requesting a review and correction of the accounts listed below as reported on my Experian credit report. These accounts may not be accurately reported and should be fully investigated for accuracy. Any unverifiable information should be removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, Amount : {$5100.00} XXXX, XXXX, XX/XX/XXXX, Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, Amount : {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX Amount : {$6100.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ascension Point Recovery Services, LLC
State: VA

Complaint narrative:
On XX/XX/year> Ascension Point called my young daughter on her cell phone to inform her that I had died and they needed information on my estate. My daughter is 3 hours away from me at college and obviously this caused a great deal of stress until she was able to reach me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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