vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting an alleged deposit account with Regions Bank that does not belong to me and can not be verified. 
I first became aware of this issue in XX/XX/year> when I was denied bank accounts due to negative information reported by XXXX XXXX XXXX related to Regions Bank. The report lists a Regions Bank routing number and an account ending in digits that I do not recognize and never opened. 
After discovering the issue, I contacted Regions Bank multiple times by phone and also visited a branch in person. Regions Bank confirmed that no account exists under my name or identifying information. Bank representatives stated they were unable to locate any account associated with the reported information. 
Despite this confirmation, XXXX XXXX XXXX continues to report the alleged account. I disputed the information directly with XXXX XXXX XXXX ( Dispute Case ID XXXX ), but the inaccurate information remains on my consumer file. XXXX XXXX XXXX has not provided any documentation from Regions Bank showing that I opened or authorized this account, nor any proof that the account belongs to me. 
The continued reporting of this unverified account has prevented me from opening legitimate bank accounts and has caused ongoing financial harm. The information being reported is inaccurate and does not reflect my banking history.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: UT

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX XXXX, XXXX XXXX, and their debt collector Rozlin Financial Group , Inc. ( RFGI ). 

I attended a meeting with XXXX XXXX XXXX and was pressured into signing documents. On the same day the documents were presented, I notified them in writing that I was canceling and did not wish to proceed. I received no services, training, classes, or benefits of any kind. 

Despite my same-day cancellation and lack of services, I was charged over {$2000.00} and the account was sent to collections. 

After I formally disputed the debt and requested validation, RFGI provided documents containing signatures and handwriting that are not mine. I did not sign these documents, and I dispute the authenticity of all signatures provided. 

I immediately notified the collector in writing that the documents contain forged or misattributed signatures and that the debt is invalid. Despite this, the collector threatened credit reporting. 

I believe this conduct constitutes : Use of forged or fraudulent documents to validate a disputed debt Unfair and deceptive trade practices Improper debt collection under the FDCPA Potential violations of the Fair Credit Reporting Act ( FCRA ) if reported A pattern of pressuring consumers into contracts and refusing same-day cancellations I am requesting : 1. Immediate withdrawal of this alleged debt 2. Written confirmation that the account will not be reported to credit bureaus 3. An investigation into the business practices of XXXX XXXX XXXX, XXXX XXXX, and their collection agents I have retained copies of my same-day cancellation notice, the disputed documents, and all communications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I previously filed a CFPB complaint ( Complaint ID XXXX, submitted on XX/XX/year> ) regarding two disputed Apple Card transactions. Goldman Sachs acknowledged a processing error and reopened the disputes. In its CFPB response dated XX/XX/year>, the Bank stated that both disputes were ruled in my favor and that the temporary credits were made permanent. However, only one of the two disputed transactions was permanently credited to my account. The second disputed charge was not credited and remains unresolved. The relief described in the Banks response does not match the actual outcome on my account. I am requesting that the remaining disputed transaction be permanently credited as previously determined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was repossessed on XX/XX/year> at XXXX XXXX. I called, paid my balance of {$490.00} as well as an {$15.00} fee from XXXX XXXX for a release receipt and my car was released at XXXX from XXXX XXXX. 
At XXXX on XX/XX/year>, my car was again picked up by XXXX XXXX. Despite showing valid documents that the car was released to me and paid, Westlake financial did not close the repossession order, therefore my car was taken again, causing me to miss a job interview on XX/XX/year> and a doctors appointment for my sick toddler. 
After speaking to XXXX, one of the supervisors at Westlake finance he stated the car was improperly repossessed. I then had to pay another {$15.00} fee and pay for transportation to the XXXX police department to receive my car, which it is currently XXXX and I still have yet to receive my car. Im asking for a reimbursement due to their mistake, which they stated many times in a recorded line that there was a mistake. They are not willing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I initiated an ACH transaction for my rent on XX/XX/year>. When the item was presented to my bank, the bank declined it. The item was presented on XX/XX/year> at XXXXXXXX XXXX At that time my balance was XXXX XXXXXXXX. the item was for {$1900.00}. No other pending items came through until XXXXXXXX XXXX, an hour later. It was a {$50.00} transfer to my savings account. The bank refused to pay the item eventhough I had the money at the time the item was presented. Now I was charged NSF fee and late fee by my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Improper Reinsertion and Inaccurate Credit Reporting Account : XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Companies Involved : TransUnion LLC I am filing this complaint regarding the improper reinsertion and continued reporting of a charged-off account originally issued by XXXX / XXXX XXXXXXXX XXXX  XXXX account ending in XXXX ). 

Prior to submitting this complaint, I have attempted to resolve this matter directly by sending written correspondence and disputes via standard mail and certified mail. Despite providing documentation and clearly identifying the inaccuracies, I have consistently received generic or form responses that do not address the specific issues raised, including the improper reinsertion and inaccurate creditor reporting. These prior efforts did not result in a meaningful investigation or correction, which is why I am now seeking CFPB assistance. 

XXXX XXXX XXXX XXXXXXXX XXXX has already confirmed in writing to the CFPB that this account was charged off and sold, and that it is no longer the creditor and is reporting a XXXX balance. Copies of this documentation are attached. 

After prior disputes and investigations, the tradeline associated with this account was deleted. Despite this deletion, the credit reporting agency later reinserted the account under XXXX name without providing any certification of accuracy, notice of reinsertion, or evidence of a new reasonable investigation as required under FCRA 611 ( a ) ( 5 ). 

Reinserting this account under XXXX name is inaccurate and misleading because the furnisher has admitted it no longer owns or controls the debt. Reporting the account as a charge-off under the original creditor creates a false creditor identity and misrepresents the legal status of the account. 

The credit reporting agency failed to maintain reasonable procedures to ensure maximum possible accuracy and failed to comply with reinsertion requirements under the Fair Credit Reporting Act.

This complaint concerns only the actions of the credit reporting agency regarding improper reinsertion and inaccurate reporting.

This complaint is being submitted directly by me, the consumer. I am not represented by any third party, credit repair organization, or outside agent in this matter. All correspondence, disputes, and documentation related to this complaint have been prepared and submitted by me personally. This clarification is provided to prevent any delay, mischaracterization, or improper refusal to address the substance of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
This letter serves as a formal complaint against Navy Federal Credit Union and XXXX XXXX regarding unauthorized withdrawals from my account and the failure of both institutions to prevent or properly resolve fraudulent activity. 

On XX/XX/XXXX at approximately XXXXXXXX XXXX, I became aware that my Navy Federal Credit Union account had been locked due to suspicious activity. I later confirmed that I received an alert from XXXX XXXX at XXXXXXXX XXXX  stating that my account had been locked for suspicious transactions. 

After contacting Navy Federal Credit Union, I was informed that unauthorized withdrawals had already occurred from my account. Upon further review, I discovered that the funds were withdrawn through XXXX XXXX. Someone gained unauthorized access to my XXXX XXXX account, removed my phone number and email address, and transferred funds directly from my Navy Federal Credit Union account without my consent or authorization. 

I want to be very clear that I did not authorize these transactions, nor do I recognize the recipients of the funds. The stolen money was sent to accounting companies and entities I have never heard of and have no relationship with. Supporting documentation is attached to show that these transactions were not initiated by me. 

Despite Navy Federal Credit Union identifying suspicious activity and locking my account at XXXX XXXX, the transactions were still allowed to process. This represents a serious failure to safeguard my account and prevent fraud. Additionally, XXXX XXXX failed to adequately secure my account, allowing a third party to remove my identifying information and access my funds. 

As a consumer, I trusted both Navy Federal Credit Union and XXXX XXXX to protect my financial information and funds. Both institutions failed in that responsibility. I am now being denied reimbursement for funds that were clearly stolen through unauthorized access and fraud. 

This letter constitutes a formal complaint against both Navy Federal Credit Union and XXXX XXXX for : Failure to prevent unauthorized transactions Failure to properly secure my accounts Allowing fraudulent withdrawals after suspicious activity was identified Failure to reimburse stolen funds I am formally requesting : 1. Immediate reimbursement of all unauthorized withdrawals 2. A written explanation detailing how these transactions were allowed after my account was flagged and locked 3. Confirmation that my accounts are now fully secured and protected I expect this matter to be handled with urgency and resolved without further delay. 

sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a phone call and an email from fair collections and outsourcing regarding a debt of {$9900.00}. I requested a validation of the debt, they sent me confirmation that they received this request. It is now XX/XX/year> and theyve since published the debt on all three credit bureaus and we havent heard anything from them at all. I havent received a statement for what Ive even been charged for. I disputed with all three credit bureaus, but they havent really gone anywhere. I havent heard anything back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I think JP Morgan Chase is keeping inflation artificially high using crypto, behind the scenes and undisclosed, dumping digital assets strategically to impact publicly traded companies whose stock prices correlate with crypto prices. This has prevented myself, as well as many other FHA and VA loan holders from refinancing, which would bring down the national debt and provide more dollars for new home buyers.

Chase is manipulating the stock market and national debt using digital assets that the company openly opposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: MO

Complaint narrative:
The merchant delivered the wrong product and refused to accept a return unless I paid {$400.00} for shipping. Klarna is siding with the merchant despite proof. The debt is disputed and not owed. Klarna is reporting or threatening to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a {$2200.00} payment on XX/XX/XXXX, but it was applied to my 0 % promotional balance instead of my high-interest purchase balance. Per the XXXX XXXX of XXXX, payments in excess of the minimum must be applied to the highest APR balance first. I called Chase and they said that it doesnt not apply to them. I am getting charged interest on my full balance of about {$4000.00}. XXXX XXXX XXXX the representative that said there was nothing that could be done. The promotional balance advertising is a scam and lies. It only applies if you dont use the card on anything else until you pay off the promotional balance. I called to get the payment reallocated to the high interest purchase and they said they cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I am filing this complaint because XXXX XXXX is reporting a debt on my credit file that I do not recognize and have not been able to verify. This account is allegedly tied to " XXXX XXXX XXXX XXXX, '' but the details provided are unclear and the balance appears inaccurate. 

XXXX XXXX XXXX Account # XXXX Ive reached out to request validation under the Fair Debt Collection Practices Act ( FDCPA ), but I have yet to receive proof that I actually owe this money or that XXXX  has the legal right to collect it. Since this involves medical information, I am also deeply concerned about how my private data is being handled under HIPAA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MA

Complaint narrative:
XXXX, XXXX is our payroll service provider and processed payroll ACH transactions on XX/XX/year>, for the payroll period XX/XX/year> XX/XX/year>. 

The payroll was valid, authorized, and properly funded. However, after payroll processing, the originating bank ( PNC Bank ) improperly filed fraud claims on all employee payroll deposits, resulting in frozen bank accounts and withheld wages. 

The following employees and payroll amounts were affected : XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX {$1500.00} XXXX XXXX {$1100.00} XXXX XXXX {$1200.00} In the case of XXXX XXXX, her receiving bank, XXXX Bank, closed her account and confirmed that the payroll funds are currently suspended by their fraud/investigation team. XXXX explicitly stated that the funds will not be released unless the XXXX XXXX bank files a formal interbank ACH claim. 

XXXX provided the following reference information for this payroll transaction : XXXX XXXX # : XXXX Tracking # : XXXX Transaction ID # : XXXX Prior to submitting this complaint against XXXX, I had already filed a complaint with PNC Bank regarding this payroll issue. PNC Bank subsequently contacted me by phone and clearly stated that they will not correct the fraud claims or initiate the required interbank ACH claim unless they receive a formal written request from Gusto, as the payroll provider and initiating party of the XXXX transactions. 

PNC explicitly stated that without XXXX written request, they are unable to proceed with any corrective fraud or ACH action. 

Despite being informed of this requirement, XXXX has not provided the required written request or payroll authorization confirmation to PNC. As a result, employee wages remain inaccessible, and payroll funds continue to be withheld. 

Although XXXX payroll payment ( XXXX XXXX {$1200.00} ) was successfully recalled and reissued, confirming that corrective action was possible, XXXX did not ensure consistent resolution for the remaining affected employees. 

XXXX failure to timely provide written confirmation and to coordinate resolution with PNC and the receiving banks has resulted in prolonged wage withholding, frozen employee bank accounts, and continued payroll disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
My information was data breached and my personal information was stolen I have never had a credit card in my own name this was purchased online with my stolen information I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO has been taking my check deposits and not applying any of the funds to my account. 

This has already occurred multiple times with funds now being low and missing from my checking account. 

Ive deposited multiple treasury department checks and BMO has refused to offer any of the funds. 

Ive already contacted the treasury department and now I just need to file a government complaint against this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
On XX/XX/XXXX, I call to check my bank account to pay my rent, {$1200.00} my bank account has a hold and my bank account is in the XXXX, I contacted XXXX back, XXXXXXXX XXXX XXXXXXXX got my banking information from XXXX, this is a XXXX XXXX XXXX debt for XXXX XXXX XXXXXXXX Credit card in 2010, was resolved, XXXX XXXX XXXXXXXX was over charging there card members a law suit was closed. This debt is not on any of my credit report, I never signed for anything

Company response to consumer: Closed with explanation