vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
I am filing this complaint against First National Bank of Omaha ( FNBO ) for a failure to conduct a " reasonable investigation '' and a failure to provide requested documentation under Regulation E ( 12 CFR 1005.11 ). On XX/XX/XXXX, I initiated a transaction for {$94.00} via XXXX XXXX to a merchant XXXX XXXX XXXX XXXX XXXX ) for engine mounts. I provided FNBO with a written admission from the merchant dated XX/XX/XXXX, explicitly stating that the goods were never delivered and that they had sent them to the wrong address. FNBO summarily denied my claim ( XXXX XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX, stating they have " no chargeback rights '' and that the transaction was with a " XXXX party ''. This automated response ignores XX/XX/XXXX CFPB guidance which requires banks to investigate fraudulent inducement in XXXX transfers. Furthermore, I have requested the " XXXX XXXX '' and investigation logs for this decision XXXX separate times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). As of today, XX/XX/XXXX, the bank has issued a " final resolution '' without providing these documents, which is a procedural violation of 12 CFR 1005.11 ( d ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: IN

Complaint narrative:
I enrolled in XXXXXXXX XXXX XXXX XXXX training program financed by Climb Credit. Account # XXXX for {$4600.00} is now with collection agency XXXX XXXX. XXXX materially breached the contract. The instruction was insufficient for me to understand XXXX XXXX XXXX concepts. I could only submit the online exam using outside resources due to inadequate teaching. I notified XXXX during the program and multiple times after that I did not understand the material and requested retraining. XXXX failed to respond and refused retraining, offering only premature interview coaching '' instead of teaching. Because XXXX failed to provide the competent, instructor-led training, there was a complete failure of consideration. I received no value. Under the FTC Holder Rule 16 C.F.R. 433.2, Climb Credit and XXXX XXXX are subject to all claims and defenses I have against XXXX. The debt is void. Despite this, XXXX XXXX charged off the account and XXXX XXXX is now collecting {$4600.00} and reporting it to credit bureaus, damaging my credit and my co-signer 's credit. They are attempting to collect a debt not owed. I have mailed debt validation letters to XXXX, XXXX XXXX, and XXXX XXXX via Certified Mail on XX/XX/year>. I want : ( XXXX ) Account # XXXX closed with {$0.00} balance, ( XXXX ) All negative credit reporting deleted from XXXX XXXX XXXX XXXX ( XXXX ) Collection attempts ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MN

Complaint narrative:
I came home one night and I had been gone all day. I walked around my apartment and I went to my bedroom and smelled smoke coming from the kitchen and the electrical wall was on fire burning my appliances. Falsely accused of doing this when I was not home all day bad did not cook a thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/year>, a weather cancellation of my XXXX XXXX XXXX XXXX XXXX ( {$2300.00} ) controlled exclusively by American Express Travel. On XX/XX/year>, an Amex Travel agent confirmed on a recorded call that replacement travel for my family ( XXXX passengers, XXXX to XXXX ) had been rebooked and payment processed. It had not. On XX/XX/XXXX, Amex contacted me about an unresolved issue. I was given XXXX contradictory explanations : my card declined ; only my minor daughter was ticketed ; the fare jumped from {$74.00} to {$920.00} per person ; my card was " restricted or frozen '' ( false never frozen ). An Amex representative acknowledged in writing : " expectations were given differently than how it was supposed to be '' and apologized for " false hopes that may have been given. '' XXXXXXXX XXXX XXXX was opened. Amex then told me in writing I could use provided ticket numbers to rebook directly with XXXX. I spent XXXX hour with XXXX on that basis. XXXX confirmed only Amex could amend those tickets. When I asked Amex directly whether its own instruction was correct, it refused to answer. I asked Amex Travel to apply the existing credit to a fresh booking immediately. Refused investigation could take XXXX weeks, credit frozen in the interim. This occurred during spring break. I purchased replacement tickets ( {$2300.00} ), documented my intent in the case record before purchasing, and provided receipts afterward. Amex acknowledged this in writing. On XX/XX/year>, Amex called and offered {$90.00} as full resolution. Rejected. Total demand : {$4700.00} ( {$2300.00} original value + {$1900.00} replacement airfare + {$430.00} additional charges ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Returned Mail / Improper Address Notice : On XX/XX/year>, I sent my dispute packet to XXXX via XXXX Mail ( Article/Tracking No. XXXX ). The letter was returned by XXXX as Return to Sender / Undeliverable / Unable to Forward ( see enclosed photo/ XXXX documentation ). This indicates XXXX dispute address provided ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ) is/was not deliverable and/or XXXX failed to maintain a valid mailing address for disputes. I am resubmitting this dispute packet to the address associated with XXXX credit reporting and through the CFPB portal again. This dispute remains active and unresolved. The contents of this packet have been uploaded and the Information is being resent certified mail again tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX turned me into a collection agency after they said there was damages to the car I rented. These are fraudulent claims. There was no damage to the car, and they said I was free to go when dropped off. I refused to pay. Nobody will show me proof of that claim/damage..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint & Demand for Immediate Deletion Unauthorized Collection Account To Whom It May Concern, I am filing this formal complaint regarding a collection account being reported on my credit report by CAINE & WEINER, which I have no knowledge of and did not authorize. Account Details : Creditor/Collector : CAINE & WEINER XXXX XXXX : {$66000.00} Status : Placed for Collection Date Opened : XX/XX/year> I am formally disputing this account in its entirety. I have never entered into any contractual agreement with this company, nor have I received any prior communication or validation of this alleged debt. LEGAL BASIS FOR DISPUTE This account is in violation of my rights under the following federal laws : Fair Credit Reporting Act ( FCRA ) 611 Right to dispute inaccurate or unverifiable information FCRA 609 ( a ) Requirement for full disclosure and verification of alleged debts Fair Debt Collection Practices Act ( FDCPA ) Requirement for debt validation and prohibition of deceptive practices FORMAL DEMAND I am demanding the following : XXXX. Immediate validation of this alleged debt, including : Original signed contract bearing my signature Full account history Proof that CAINE & WEINER has legal authority to collect XXXX. If this information can not be produced, I demand : Immediate deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX ) XXXX. Cease and desist from reporting any inaccurate or unverifiable information associated with my name and XXXX. NOTICE OF NON-COMPLIANCE Failure to comply will result in : Additional complaints filed with the FTC and State Attorney General Potential legal action for FCRA and FDCPA violations, including damages This is not a request it is a formal demand for compliance with federal law. Please investigate this matter and provide a written response confirming deletion or full validation within the required timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I am requesting validation of an alleged account being reported or collected by Cavalry Portfolio Services, as I have serious concerns about the accuracy, ownership, and proper verification of this debt. After reviewing my records, I have not received sufficient documentation to confirm that I have any legal obligation for this account. I have not been provided with a signed agreement, complete account statements, or a detailed payment history that would explain how this debt originated or how the current balance was calculated. As a debt buyer, Cavalry Portfolio Services is required to maintain clear and accurate records demonstrating the origin of the debt and its legal right to collect. However, I have not received any documentation showing the chain of assignment from the original creditor, including transfer or sale records that establish ownership of this account. Without this, I can not verify whether this debt has been properly transferred or if it has been resold multiple times without accurate documentation. Additionally, I am concerned that this account may be the result of inaccurate reporting, mixed file issues, or even a data breach, where my personal information may have been used without authorization or incorrectly associated with an account that does not belong to me. The lack of proper validation makes it impossible for me to confirm the legitimacy of this debt. Under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a thorough and good-faith investigation when disputes are raised, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported. The continued reporting of this account without proper documentation raises concerns about compliance with these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
My banks account are freeze and they won't provided me any information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL

Complaint narrative:
Vanderbilt Mortgage refuses to take any steps in helping us with our loan. We want to keep our home by either doing a loan modification to lower our monthly mortgage payments, extend the length of the loan to create lower payment, XXXX They only want us to either sell our land and home or let them sell it. They say they are there to help but no they are not. Do they do this to all of their customers who are struggling financially or is it because XXXX XXXX XXXX XXXX XXXXXXXX XXXX they are discriminating against us?????

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
I invested {$60000.00} in a money market account with Old National Bank in XXXX, Wisconsin over a year ago. I now only have {$15000.00} left of that money. After noticing a significant loss of money over a couple of months I requested bank statements from the bank itself. After going through 5 months of my transactions I noticed very suspicious charges showing internal transfers of XXXX of dollars, sometimes 3 or 4 of the same charge in one day being withdrawn from my money market account. I am disputing making these internal transfers. I met with multiple people at the bank and they insist everything is normal. I closed my money market account with them. Now I am needing information on additional resources on who can look further into this and also who I can file a complaint with. Please follow up with me on this matter. Phone number you can reach me at is XXXX. Thank you. 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 2026-04-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX for {$310.00} and XX/XX/XXXX for {$640.00} I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my Citi credit card. When I received these coins I quickly recognized they were counterfeit and I reached out to XXXX regarding their money back guarantee, they quickly closed my account and I was no longer able to communicate with them, therefore I reached out to Citi Financial and opened a frauduelent dispute, they quickly closed it over and over again. I contacted a local coin dealer trying to get a cerification that these coins were counterfeit, the local dealer notified me that the only way to verify the counterfeits of XXXX XXXX XXXX is the XXXX XXXX XXXX of the XXXX XXXX. I called the local XXXX XXXX XXXX who instructed me to turn the coins over to the XXXX XXXX XXXX XXXX here In XXXX XXXX Florida. They opened the case, took the coins into evidence and they gave me the XXXX # XXXX. Citifinancial refuses to open a fraud case on these 2 transactions. At this point I believe I am due the refund from Citifinancial and they can recover their money from XXXX. I would so appreciate any help you can do. Original Dispute - Opened XX/XX/XXXX. They denied the last Dispute claim on XX/XX/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 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year> I made a payment for Care Credit, Synchrony Bank. I added my savings account information the routing number and account numbers, both ask twice you entered, then it said XXXX XXXX XXXX. I assumed it took. I made a XXXX payment. My due date wasnt until XX/XX/year>. I received an email the added banking information wasnt added and payment was reversed with a XXXX FEE. I contacted Synchrony Bank, the supervisor XXXX said you didnt have fund in account to cover payment. I THOUSANDS IN MY SAVINGS ACCOUNT, THAT ISNT IT. I ask since my payment wasnt late would they reverse the XXXX fee, he said no and ended chat. They are doing illegal fees that is very CLEAR. SOMETHING IS NOT RIGHT ABOUT THIS. YOU NEED TO CHECK THIS BANK FOR ILLEGAL FEES AND SYSTEMS. I cant imagine if I was not in a space to pay this but some people are getting frauded the first time with fees adding extra accounts to pay this type of billings. My bank even said this isnt the first time they have heard of this this year. supervisor XXXX also has been trained to end calls and chats, so this is known and illegal banking to consumers

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 monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am providing an update following direct communication with Huntington Bank regarding this matter. During my most recent contact, I requested information specifically about the actions Huntington Bank took after I reported that my tax refund was being sent to the wrong account. I clearly stated that I was not requesting any private or identifying information about another customers account, but rather documentation of the banks own actions in handling the reported error. Despite this clarification, Huntington Bank representatives declined to provide any information regarding : Whether a recovery or reclamation request was initiated When any recovery actions were taken Whether the funds were still available at the time the error was reported The current status of any investigation or recovery effort The refusal was based on privacy concerns, even though my request was limited to the banks internal handling of the situation and did not involve disclosure of any third-party account details. Additionally, I was unable to obtain clear answers regarding the timeline of actions taken after I initially reported the issue, including the fact that I notified the bank prior to the deposit being completed. This lack of transparency raises serious concerns about whether appropriate and timely action was taken by Huntington Bank after being notified of an erroneous deposit. Given that I made a good-faith effort to prevent the error in advance and repeatedly attempted to resolve the issue afterward, I expected clear communication and documentation of the banks efforts to mitigate the situation. Instead, I have encountered limited transparency, inconsistent communication, and an inability to obtain basic information about how this matter was handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently noticed a XXXX late payment reported on my Bank of America credit card account. I was not aware that the payment had gone past due, and as soon as I realized it, I immediately paid the full balance. This is the first time I have ever had a late payment, and I have always tried to maintain a good payment history. This has significantly impacted my credit score. I am requesting a goodwill adjustment to have this late payment removed. I would really appreciate your 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