vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint concerns the wrongful foreclosure of my home in XXXX XXXX Florida, XXXX XXXX. I have also filed OCC complaint Case XXXX regarding this same matter. The foreclosure is void for the following documented reasons : DEAD PLAINTIFF : XXXX XXXX XXXX XXXX filed the foreclosure on XX/XX/XXXX. XXXX Bank had been legally dead since XX/XX/XXXX 367 days before filing. Bank of America had absorbed XXXX and knew this. FABRICATED ASSIGNMENT : The Assignment of Mortgage purportedly from XXXX XXXX XXXX to XXXX XXXX dated XX/XX/XXXX carries Account Number XXXX. My original Adjustable Rate Note carries Account XXXX XXXX. My IRS XXXX XXXX from XXXX XXXX also carries Account XXXX XXXX. A second IRS Form 1098 from XXXX XXXX XXXX carries Account Number XXXX. The Assignment carries none of these authentic numbers. It carries XXXX XXXX XXXX 's account number proving it was generated from XXXX 's system and falsely attributed to XXXX XXXX XXXX which had ceased independent existence 18 months before the Assignment date. UNENDORSED NOTE : My original closing copy of the Note has zero endorsements from XXXX to anyone. Under Florida Statute 673.2011 the Note was never legally transferred to XXXX XXXX. NO RECORDED ASSIGNMENT : No Assignment of Mortgage transferring my loan from XXXX to XXXX was ever recorded in XXXX XXXX XXXX XXXX. SELF DEALING : Bank of America filed as dead XXXX and purchased my property themselves at the foreclosure sale on XX/XX/XXXX. DUE PROCESS VIOLATION : The final judgment was entered XX/XX/XXXX 13 days after my XXXX XXXX XXXX. I was XXXX XXXX and unable to defend myself. I filed proof of the dead plaintiffs with the court on XX/XX/XXXX. The court ignored it. I am a XXXX XXXX man who has been a Bank of America XXXX for 40 years and remain their customer today. My XXXX deposits into Bank of America monthly. I am requesting the CFPB investigate Bank of America 's conduct and order full restitution for all damages caused by this wrongful foreclosure. OCC Case XXXX has been filed with four supplemental submissions including documentary proof of the fabricated Assignment.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
There are transaction that being withdraw from cashapp but not myself doing it.The transaction is at XX/XX/year> at XXXX with the amount of {$200.00}. I have already received {$140.00} but haven't got {$200.00} yet. Cash App did send me email that the first one is being at the right ip address and decided not to refund me the ammount but I lost my phone that day and It was not me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> I deposited a cashier 's check for {$45000.00}. I was told the funds are usually available the next day. XX/XX/year> My initial query in the branch was about when to expect access to my funds- they were deposited by cashier 's check the previous day. I explained that without the money for a car I would not have transportation to a psychiatric program which requires transportation. The teller could not release funds to a new cashier 's check for a vehicle purchase because it was a third-party check and not from the same bank and the money was under review though it appeared to have deposited to the account. Then hold was placed on {$44000.00} in my checking account without a clear explanation. XX/XX/year> I was informed by branch manager XXXX XXXX the account was under a relationship review,. The funds remained unavailable to me. XX/XX/year> I made a formal complaint to US Bank and their fraud team was tasked with documenting my concern. I requested the reason for the hold in writing, the policy or regulation the hold is referring to in writing, the duration of the hold and what is required to lift it in writing, why the funds are unavailable and whether the account is restricted or being closed in writing, and the reason for the relationship or closureconsideration review in writing. The bank has not provided any of this information. I have been unable to access my own funds, and the bank has not given a timeline, justification, or documentation for the continued restriction.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Synchrony Bank Credit Reporting Department, I am writing to formally dispute inaccurate information you are reporting in connection with my XXXX XXXX account, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). A {$100.00} balance has been reported as a new non-medical collection on my credit report. This reporting is inaccurate. The account was never delinquent. Upon learning of the {$100.00} balance, I contacted XXXX directly and paid the amount promptly. Despite this, the account was improperly reported as a collection, which is false and damaging. Under FCRA 623 ( a ) ( 1 ), furnishers may not report information they know or should know is inaccurate. Under FCRA 623 ( b ), you are required to conduct a reasonable investigation upon receipt of this dispute. I am requesting that Synchrony Bank : Conduct a full investigation into this inaccurate reporting Delete the collection account entirely from all consumer reporting agencies Correct any adverse payment history associated with this error Provide written confirmation once corrections are completed If this matter is not corrected, I will pursue all remedies available under the Fair Credit Reporting Act. Please respond within the statutory timeframe. Sincerely, 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
This is an unauthorized account that is negatively affecting my credit profile. Please help me to rectify this error/fraud. To Whom It May Concern, I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper validation. I formally requested debt validation from the collection agency pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, the collector has failed to provide sufficient documentation verifying : The original creditors full legal name and address A complete accounting of the alleged debt Documentation bearing my signature showing I agreed to the obligation Proof the collector has legal standing/authority to collect Verification that the amount reported is accurate Despite my request, the account continues to be reported and/or collection activity persists. This is a direct violation of federal law. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), a debt collector must cease collection activity until proper validation is provided. I dispute this debt in its entirety. I request that the CFPB require the company to : 1. Provide full and proper validation of the alleged debt ; or 2. Immediately cease collection activity ; and 3. Remove any inaccurate reporting from all consumer reporting agencies if validation can not be produced. Continued reporting of unverified information is harmful and constitutes inaccurate reporting. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
every time i have used the card or was able to use the card, i had to contact them cause a " fraud alert '' was put on the card making it not usable. i have a XXXX $ limit but after one purchase car gas i believe i had to contact them to use it again. they send you through a silly verification process texting you a number or calling you back and once the lady wanted my secretary to call 3 way at XXXX. i don't have a secretary nor did i ever mention i had one. this last time they asked for another credit card number for them to look up and verify it is me. how that would help them i have no clue. if i was approved for the limit on the card why am i having to justify every purchase that i make before i make it so they can release the hold on the card. last time i tried to contact them a lady came on the phone saying there servers were down and to call back in 1-2 hours i said hello, sure enough it wasn't a recording it was a lady that tries to sound like a recording. the number i contact is XXXX last time i called was XXXXXXXX XXXX XXXXXX/XX/year>. time before was XX/XX/scrub>XXXX XXXX several times i called that night. same run around and no justification as to why i cant use the card until i receive a letter in the mail? mind you the account was paid up and a remaining XXXXXXXX XXXX available balance on the card.

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received an invite from Mariner XXXX to apply for, quick funding. On XX/XX/XXXX I went into the XXXX Maryland office to refinance the loan based off the recent offer. Although, Im currently making loan payments. I have refinanced in the past. The regional manager XXXX had my XXXX credit pulled, and my score was XXXX, but didnt approve the refinance. So, I attempted to make a debit payment online, and discovered for the first time ever the make payment button was red. Next, I attempted to pay through the phone automated system, and my payment was denied. Eventually, I reached a representative XXXX in Texas, and was advised my account was locked. My account is paid in advance for more than XXXX months, and I need to continuously make payments online. The regional manager XXXX did not inform me, that he was locking online, and phone automated access to make payments. I should not be compelled to pay in person, and making payments with local office representatives is a complete hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant XXXX, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX XXXX XXXX Amount : {$520.00} Date OpenedXXXX 2 ) XXXX XXXX XXXX Amount : {$170.00} Date opened:XXXX XXXX ) XXXX XXXX XXXX Amount : {$16000.00} Date OpenedXXXX XXXX ) XXXX XXXX XXXXXXXX Amount : XXXX Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX. Date OpenedXXXX 6 ) XXXX XXXX XXXX Amount : {$580.00} Date OpenedXXXX 7 ) XXXX XXXX XXXX XXXX Amount : {$310.00} Date OpenedXXXX 8 ) XXXX XXXX XXXX XXXX Amount : {$300.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX Unauthorized inquiries with no permissible purpose : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXXXXXX 3 ) XXXX XXXX 4 ) XXXX XXXXXXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is showing a loan on my account that I never applied for or even knew about. Calling them is impossible because anyone that answers transfers you around and around. The loan number shown is 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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I am attempting to resolve a charged-off account that was originally with XXXX XXXX and is now reportedly being handled by Moss Law Firm . I have made multiple attempts to contact Moss Law Firm by phone in order to verify the debt and discuss possible resolution options. Despite several attempts, the company has not answered my calls or returned my messages. Because of the lack of communication, I have not been able to obtain sufficient information to verify the debt, confirm that the company is authorized to collect it, or determine how the account can be resolved or settled. I am trying to address this matter responsibly and would like to resolve the account, but the companys lack of response has prevented me from doing so. I am requesting that Moss Law Firm provide proper validation of the debt and respond to my attempts to communicate so that I can move forward with resolving the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute the following information appearing on my credit report. I have previously reported this account as unauthorized in 2024, yet it remains on my file and is negatively impacting my credit worthiness. I tried to dispute through the bank and Experian and was unable to. This account was opened fraudulently and without my authorization. I am a victim of identity theft regarding this specific line of credit. I did not open this account, I did not authorize anyone else to open it, and I have never resided at any address that may be associated with the original application if it differs from my own. Legal Notice under the Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable investigation into disputed information. Furthermore, under Section 605B of the FCRA, you are required to block the reporting of any information in a consumers file that the consumer identifies as resulting from identity theft. Because I previously notified the relevant parties that this account was not authorized, the continued reporting of this debt as a personal liability is a violation of my rights. Requested Action : I request that Experian immediately delete this fraudulent account from my credit file. Please provide a written confirmation once the investigation is complete and the item has been 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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX A XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX DOB : XX/XX/year> Last four Social : XXXX I am submitting this complaint regarding inaccurate and duplicate credit reporting related to an alleged debt from XXXX / XXXX in the amount of {$1000.00}. This same alleged debt is currently being reported on my credit report by two different collection agencies : Harris & Harris and XXXX XXXX, both for the exact same balance of {$1000.00} and the same original creditor. It is inaccurate and misleading for two separate collection agencies to report the same debt simultaneously. Only one company can have the legal right to collect or report a debt at a time. Reporting duplicate collection accounts for the same obligation is misleading and appears to violate the Fair Credit Reporting Act, which requires credit reporting to be accurate and not deceptive. I am requesting that Harris & Harris conduct a full investigation and provide documentation proving they have the legal right to collect and report this alleged debt. This documentation should include : Proof of assignment or ownership of the debt A copy of the original agreement with XXXX Billing statements showing the balance owed Documentation showing Harris & Harris has the legal authority to report this debt If Harris & Harris can not provide full validation of this debt and proof of assignment from XXXX, I request that this tradeline be immediately deleted from all credit reporting agencies. I am also requesting that the inaccurate duplicate reporting be corrected to ensure my credit report is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am filing this complaint against Westlake Financial Services regarding inaccurate credit reporting and improper loan servicing related to my auto loan. The vehicle was originally purchased in Florida and financed through Westlake Financial. The retail installment contract included approximately {$3200.00} in questionable and unauthorized add-on charges, including : A {$2500.00} Dealer Loyalty Protection service contract A {$790.00} Pre-Delivery Service Fee A {$100.00} Paid to Public Officials charge Additional taxes and fees that appear inconsistent with Florida tax rules These charges significantly inflated the financed amount. Due to these inflated charges the loan eventually went into delinquency and the vehicle was repossessed. I later redeemed the vehicle and continued making payments. Since then, I have paid the entire principal and interest balance of the loan. The only remaining amount Westlake claims is owed is approximately {$700.00} for a repossession fee, which I dispute. Despite the loan principal being fully paid, Westlake continues to report the account to the credit bureaus as 60-90 days past due. The credit report currently shows : A balance that consists only of the disputed repossession fee New 60-day delinquency marks in 2026 Ongoing delinquency reporting even though no monthly installment payment is due There is no longer an installment obligation on this loan, so reporting the account as 90+ days late is inaccurate and misleading. Additionally, Westlake has : Ignored certified written disputes Refused to provide documentation supporting the repossession fee Refused to investigate or correct the credit reporting Told me they would only communicate with an attorney This conduct appears to violate the Fair Credit Reporting Act, which requires furnishers to report information accurately and investigate disputes.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I requested XXXX removal on XXXX XXXX XXXX but was not given the option of re-appraising my home to show XXXX % XXXXXXXX XXXX months ago the same mortgage company sent me an email ad to get a XXXX with my home value MUCH higher than they have it for XXXX purposes. I requested and was granted immediate XXXX removal but also requested a refund of XXXX payments from the time I originally inquired. They promised to be back with me within XXXX days. That was XXXX weeks ago. I have emailed and called several times but have heard nothing back. This dispute is with XXXX XXXX which was recently bought out by Rocket Mortgage.

Company response to consumer: Closed with explanation