vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To whom it may concern, I am filing a formal complaint regarding a deposit issue involving a check that has been under review for over XXXX days without resolution at Bank of America. On XX/XX/year>, I, XXXX XXXX, deposited a check in the amount of {$9500.00} issued by XXXX XXXX as part of a legitimate account closure. The check was made payable to me and represents my own funds. The deposit was made in Connecticut through Bank of America. Shortly after deposit, the funds were placed on hold for investigation. The account where the check was deposited ( handled by XXXX XXXX XXXX ) was subsequently closed by the bank. Since then, I have received no clear resolution. I have only been told that the case remains under investigation. It has now been approximately XXXX month, and no clear status, decision, or timeline has been provided. I was also incorrectly advised to request a recall from XXXX XXXX. However, XXXX XXXX confirmed that a recall is not applicable in this situation, as the check has already been deposited and is under the receiving banks control. At this time, I respectfully request : XXXX. A clear status update on the investigation XXXX. Confirmation of whether the check has been accepted or rejected XXXX. If rejected, confirmation of when the funds will be returned to XXXX XXXX XXXX. A final resolution timeline This delay has caused significant financial stress, and holding funds for over XXXX days without resolution or transparency is unacceptable. I request that this matter be escalated and resolved immediately. Sincerely, 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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
Business charged my account XXXX times in a row or XXXX single transaction refuses to help when contacted. On top of that cash app has denied my XXXX transaction/ fraudulent charge claim XXXX times. XXXX transactions happen for the same exact amount at the same exact time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I requested full debt validation and supporting documentation to verify the debt. The company only provided a billing statement and did not provide proper verification such as original contract, itemized breakdown, or proof of ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am a documented victim of identity theft and Bank of America fails to remove this account from my credit report and keeps reinserting it into my credit file in violation of federal law without properly verifying that this account belongs to me. According to my credit report, this fraudulent account was opened on or around XX/XX/year> in the amount of {$38000.00}. I've requested that they provide the original credit application with my signature on it with wet ink, but fail to do so. And, Bank of America does not have any Bank of America employee with firsthand knowledge who watched me personally open this account because I NEVER opened ANY Bank of America account. Furthermore, Bank of America continues to ignore my FTC Identity Theft Report and Police Report showing the account is listed as fraud that I have provided to them. " Negligent noncompliance occurs when credit bureaus or furnishers fail to use reasonable care to maintain accurate reports, such as ignoring identity theft, violating 15 U.S.C. 1681o per the Fair Credit Reporting Act. ''

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX unauthorized debit card charges were made to XXXX XXXX XXXX ( XXXX ), a XXXX property management company, from my XXXX Federal XXXX XXXX : XX/XX/year> ( {$2000.00} ), XX/XX/year> ( {$2700.00} ), and XX/XX/year> ( {$2500.00} ), totaling {$7400.00}. I am a Nevada resident and have never had an account, lease, or any relationship with this company. The charges were made under the name XXXX XXXX, a person I do not know. XXXX XXXX XXXX confirmed in writing they can not verify me as a customer. XXXX XXXX confirmed the XXXX charge as fraud and issued a permanent credit, but denied the XXXX XXXX charges despite being from the identical merchant with identical fraud indicators. XXXX XXXX has denied my appeals twice. The inconsistency is that XXXX XXXX can not confirm fraud from a merchant in XXXX while denying fraud from that same merchant in XXXX. I have filed a police report, contacted the merchant directly, contacted XXXX ( the payment processor ), and filed an XXXX complaint. XXXX XXXX refuses to resolve the remaining {$4800.00} despite their own fraud confirmation proving the merchant was receiving unauthorized payments from my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Im writing with concerns over my ffel loans helps with Navient. Recently a student advisor told me in XXXX I most likely would have been eligible for discharge of full or part of my student loans had I consolidated into an idr plan. When XXXX administration had set out this new plan to help borrowers I called Navient and was told I would not be eligible because at that time I was in school and I shouldnt consolidate my old loans with any new ones as it would not qualify. I have a long history with these ffel loans dating back to XXXX when I finished my XXXX work. I worked for a non for profit since XXXX I would call Navient several times a year because I couldnt afford my loans and they place me in forbearance or economic hardship. I told them I was working in non for profit and they told me because I had these types of loans they would never be eligible for XXXX. They did not tell me I could go into an idr plan. So I have years that could have been counted but again was steered away from any type of help. I tried to consolidate in XXXX and XXXX and they discouraged me. I called in XXXX and was discouraged. I have a long history of only non for profit work with very limited salary for many years and this could have helped me. Because I was misled by Navient for years and again in XXXX, I am asking for equitable relief to have my loan counts adjusted as if I had consolidated by the XX/XX/XXXX, deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: AZ

Complaint narrative:
I vacated the apartment on XX/XX/XXXX after providing proper notice. At move-out, I requested a final accounting and was told my balance was {$0.00} and the account was closed. On XX/XX/XXXX, XXXX days laterI received an email from the property XXXX, XXXX XXXX XXXX XXXX XXXX XXXX a new balance of {$6500.00}. I disputed this charge the same day in writing, but received no response. Arizona law requires landlords to provide an itemized statement within XXXX business days of move-out. No such statement was provided within that timeframe. Despite my dispute and multiple follow-ups, including formal written notices, I received no response from the property XXXX or the collection agency. Instead, in XX/XX/XXXX, the account was placed with XXXX XXXX XXXX XXXX and reported to the credit bureaus. I was not given any notice of the collection placement, no validation of the debt, and no opportunity to dispute it before it was reported. The collection agency has since verified the debt with credit bureaus despite never communicating with me. I have made repeated good-faith efforts to resolve this through emails, phone calls, and written disputes, but have been ignored or redirected without resolution. The only responses received were acknowledgments from the property stating the matter was out of their control. As a result, my XXXX XXXX dropped significantly, and I have experienced financial harm. I am currently preparing for an invasive XXXX XXXX on XX/XX/XXXX, and have been unable to resolve this despite ongoing efforts since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I can't pay this credit card. because. First of all. I have no job, am facing being evicted right now, and seeing that this credit card has reported me for delinquency hasn't been any help.My mental health is not good right now. I need help with all these. I have too much going on in life right now. I stopped paying the card like XXXX months ago when I was let go from my job because I was spending my money that I had left in other important things. I really need help with this credit card called synchrony bank. Also whenever I used to pay the card before I got let go from the job, Everytime I made a payment the next month it would go back to the same amount. I REALLY BELIEVE THAT THEY ARE RUNNING A SCAM

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing a complaint regarding an inaccurate collection account arising from a residential lease at XXXX XXXX. The debt is disputed because it is based on incorrect charges for alleged insufficient notice. I provided written notice by email on XX/XX/XXXX. I also signed a Notice to Vacate on XX/XX/XXXX for a XX/XX/XXXX move-out date. The signed Notice to Vacate states that notice takes effect when all residents have signed the form. My lease requires 30 days written notice and does not state that notice begins only after payment is made or processed. Despite this, the landlord charged me Reletting Fee : Did not fulfill proper notice and Insufficient Notice, then placed the account in collections and reported it on my credit. I already disputed online and the dispute was denied, but the denial did not address the actual documents showing that notice was properly given and that the landlords interpretation is unsupported by the lease. I am requesting : * investigation of the inaccurate debt and reporting * correction or deletion of the collection account * review of the creditors basis for claiming insufficient notice I am attaching : * XX/XX/XXXX notice email * XX/XX/XXXX signed and paid Notice to Vacate * move-out statement with incorrect charges * relevant lease pages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CT

Complaint narrative:
I moved out of my XXXX, XXXX rental property on XX/XX/XXXX and began a new lease in XXXX on the same date. Despite my move-out, XXXX failed to close my account and continued billing through XX/XX/XXXX. I filed a complaint with the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) in XX/XX/XXXX regarding these invalid charges. Contract Callers Inc. has now reported this disputed debt to XXXX as a collection, opened XX/XX/XXXX, causing a XXXX drop to my XXXX score. I sent Contract Callers a formal FDCPA dispute letter on XX/XX/XXXX requesting debt validation and removal from all credit bureaus. They have not responded or removed the entry. Additionally, XXXX XXXX XXXX was also contacting me regarding the same XXXX account and confirmed in writing on XX/XX/XXXX that no credit reporting had begun. The credit reporting by Contract Callers occurred while the XXXX investigation is still pending and while the debt was in active disputed status. I am requesting immediate removal of this collection from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] CFPB COMPLAINT LVNV FUNDING LLC / RESURGENT CAPITAL SERVICES I am filing a complaint against LVNV Funding LLC regarding violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). LVNV Funding is reporting a collection account on my credit reports that is inaccurate, incomplete, unverifiable and fraudulent. LVNV has failed to provide competent documentation establishing : Legal ownership of the alleged debt ( chain of title ) A signed consumer agreement An itemized accounting of the alleged balance An accurate Date of First Delinquency Despite disputes, LVNV continues to furnish information that is materially harming my credit score and financial standing. Requested Resolution : Immediate deletion of the LVNV Funding account from all consumer reporting agencies Written confirmation of FCRA compliance Cessation of inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to dispute a charge-off account reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), all reported information must be accurate and verifiable. I am requesting a full investigation and documentation supporting the accuracy of this charge-off status. If you are unable to provide sufficient proof that this account has been reported correctly, you must remove this from my credit report immediately. Please provide written confirmation of your findings and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am writing to dispute a collection account listed on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ) and my rights to debt validation, I am requesting verification of this alleged debt. I have not received proper validation of this account. Please provide full documentation, including the original creditor, signed agreement, and complete payment history. If you are unable to validate this debt, you must remove this from my credit report immediately. Any continued reporting of an unverified account is a violation of federal law.

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 2026-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My mortgage account with PennyMac is being reported asXX/XX/XXXXdays delinquent between XX/XX/XXXX and XX/XX/XXXX, and this information appears on my credit report. Before this timeframe, the account had already been placed into an approved forbearance due to financial hardship. This arrangement was in place prior to any payment issues. During the period that is now being reported as delinquent, the terms of the forbearance had not yet been finalized, and I had not received a determination letter outlining the repayment structure. I am still waiting to receive that documentation. I remained in contact with the company and continued making payments during this time under the understanding that I was in an active forbearance program. Despite this, the account was reported as XX/XX/XXXXdays late, which does not accurately reflect the status of the account or the agreement in place. I contacted PennyMac to request a review and correction of this reporting, but they advised that the reporting was accurate and did not make any changes. This has negatively impacted my credit. I am requesting that the reporting be corrected to reflect the forbearance status during this period or that the delinquency be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
A. On XX/XX/year> I called Wells Fargo and asked an agent if I could deposit a cashiers check via the banks mobile app. XXXX I deposited a {$2500.00} cashiers check purportedly drawn on XXXX from someone claiming to want to buy an item I had for sale. XXXX XXXX made the deposit via the mobile app on XX/XX/XXXX into my sons trusts checking account with Wells Fargo. XXXX My son is autistic and I handle his finances. XXXX I then called Wells Fargo to verify the check had gone through. XXXX A Wells Fargo agent confirmed the deposit " went through '' those were her exact words. XXXX The next day, XXXX, I sent the fraudster {$1900.00} via XXXX XXXX XXXX He had instructed me to use the rest to pay movers who would pick up the item. I. He had explained they were also moving his entire household and {$1900.00} would cover both moves. XXXX I had no experience with cashiers checks. XXXX I thought cashiers checks were paid instantly and that was why people used them. XXXX On XXXX, Wells Fargo notified me it was placing a hold on my {$2500.00} deposit until XXXX. XXXX On XXXX or XXXX, I noticed my sons trusts checking account balance was lower than it should have been. XXXX I immediately called XXXX XXXX fraud department and explained the situation and stated I wanted to be reimbursed. The agent told me they would take it from there and let me know their decision. O. At some point, Wells Fargo reversed {$1900.00} of my phantom deposit. XXXX Wells Fargo is not willing to reimburse me even though I would not have deposited the fraudulent check if Id known my funds were going to be placed on hold. Q. The Wells Fargo agent with whom I spoke should have explained and made it much clearer that the XXXX cashiers check had been deposited but not yet paid, and informed me of approximately how long it would take for it to be paid.

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX at approximately XXXX XXXX, an unauthorized XXXX transfer was executed from my Citibank account in the amount of {$2100.00}. I did not initiate, authorize, or approve this transaction, and I do not recognize the recipient. During the relevant time period, my mobile phone service was not functioning properly. I was unable to receive incoming calls or SMS messages, including any potential authentication or verification codes. This disruption coincided with the timing of the unauthorized transaction. Based on these circumstances, I have reason to believe my mobile number and/or online banking access may have been compromised, potentially through a XXXX XXXX, carrier-level takeover, or unauthorized access to my Citibank online banking credentials XXXX I would like to emphasize that I did not receive any verification codes, did not authorize any device or login, and did not approve the addition of any new XXXX recipient or any transfer. I contacted Citibank immediately on the same day upon discovering the transaction and promptly filed a fraud claim. I respectfully request a full investigation into this matter, including but not limited to : 1. The unauthorized XXXX transfer 2. Any recent changes to my online banking profile 3. Any new device logins or credential resets 4. Any potential XXXX XXXX or carrier-related compromise linked to my phone number I am requesting that this case be treated as an unauthorized electronic funds transfer and account takeover incident, and that appropriate remediation and reimbursement be provided following investigation. This transaction is inconsistent with my normal XXXX usage pattern, as I rarely use XXXX and have never sent this amount before.

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 non-monetary relief
Consumer complaint received 2026-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One resolved my previous CFPB complaint ( Case # XXXX ) by sending me a formal letter stating they had permanently credited my account for the full {$99.00} disputed charge. They specifically promised a {$45.00} permanent credit would appear on my XX/XX/year> statement. However, Capital One has now reversed that credit. I received a letter from a different department ( Transaction Support Center, Case # XXXX ) stating they are reapplying the {$45.00} charge to my account because I did not respond to a request for information. I did not respond because Capital One 's Customer Advocacy Office had already told me the case was closed and fully resolved in my favor. It is unreasonable to require a customer to continue submitting information for a case that the bank itself declared permanently closed. Capital One made a binding promise to me through the CFPB complaint process and has now broken that promise. I am asking the CFPB to require Capital One to honor their original resolution and immediately reinstate the {$45.00} permanent credit to my account. Attached are : 1. Capital One 's letter promising the permanent credit. 2. Capital One 's letter reversing that credit.

Company response to consumer: Closed with monetary relief