vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a second email from Synchrony Bank on XX/XX/year> stating that another {$75.00} purchase was made on my PayPal Credit Card account at XXXX XXXX XXXX This transaction occurred at XXXX XXXX, just XXXX minutes after the first unauthorized {$75.00} charge. This XXXX  transaction is also unauthorized. I did not make this purchase, I did not authorize it, and I do not have the physical PayPal Credit Card associated with this account. 
Synchrony has already flagged fraudulent activity on a card ending in XXXX a card number I was never informed about, never received, and never activated. I have not logged in to my account because I do not believe it is safe to do so until Synchrony confirms the account is secure and provides full documentation. Despite this, I continue to receive notifications of transactions that I did not make. 
This XXXX unauthorized charge shows that my account remains actively compromised and that Synchrony has not secured the account despite multiple fraud alerts, identityvalidation messages I did not request, and repeated requests for documentation. I am requesting a full investigation into this second unauthorized transaction and an explanation of how it occurred on an account that I can not safely access and on a card I do not physically possess. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I consent to publication after the CFPB removes personal information.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to make a {$3000.00} transaction. I called ahead and was told there would be no issue. My daily limit is {$5000.00}. Despite this, the transaction was flagged for fraud. 

I called immediately and was placed on hold for an excessive amount of time. I was told I was under a fraud investigation and that it could take up to XXXX  days. I then went to the branch in XXXX XXXX the following day with my passport and ID as I was told to do so by the customer service rep. I was told they needed to call the fraud department and that it would take time. 

I was then given the same response as over the phone : no explanation, no additional information, a blanket statement that it could take up to XXXX days, and I was told to leave the branch. 

This is unacceptable. I recently deposited {$8000.00} from my XXXX XXXX XXXX benefits, funds I had already been waiting weeks to receive. The bank is now holding money I need immediately to cover my mortgage and other essential bills. I can not wait XXXX days. This situation is causing serious financial harm, and the lack of communication or urgency is completely unreasonable.

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 2026-01-08 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: DriveTime
State: TX

Complaint narrative:
I purchased a vehicle from DriveTime on XX/XX/year>. On XX/XX/year>, the vehicle became inoperable while I was traveling in XXXX XXXX As a result, my XXXX minor children and I were stranded in XXXX XXXX from XX/XX/XXXX through XX/XX/year>. I have not had a functioning vehicle since that date. 

I contacted DriveTime and their XXXX limited warranty provider after the breakdown. I was instructed to leave the vehicle at a DriveTime-approved auto repair facility, which I did. 

The vehicle remained at the repair facility for an extended period without a diagnosis. I was not provided with a determination regarding the cause of the failure until XX/XX/year>, per the repair order provided by the auto shop. At that time, I was informed that the vehicle required a head replacement or a new engine and that DriveTime would not authorize repairs. 

Despite the vehicle being within the XXXX warranty period at the time of the breakdown, DriveTime failed to timely diagnose or repair the vehicle and ultimately refused to fix it, provide a replacement vehicle, or cancel the contract. 

I made a payment for XXXX ; however, I did not have use of the vehicle during that time. DriveTime continued to hold me responsible for the loan despite the vehicle being inoperable and unavailable to me. 

This situation caused significant financial hardship, transportation hardship, and emotional distress, including expenses related to being stranded out of state with my children. 

I am requesting that DriveTime be required to provide a replacement vehicle of equal value, cancel the contract without penalty, refund any payments made for the period the vehicle was unusable, and correct any related credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, We have a debt collector who calls us XXXX times a day, maybe then XXXX the next day, including weekends. It begins aXXXX XXXX XXXX and not even an hour ago I received XXXX in a row. Ive just figured out who it is. 

This bank calls me using an old area codes and sometimes switching the last XXXX digits. Comes in as spam. Never a message. 

It calls my XXXX XXXX XXXX mother on her cell too, using her area code. Comes in as spam, no message. 

It calls an old landline and texts my deceased parents phone. 

Weve answered XXXX  before in the past year on chance from a different number ( area code thing ) and a male just gruffly said theyre coming to repossess the car. 

I have many snaps of the incoming phone calls and the frequency on my phone but can get more records. 

Lol it just called. ( XXXX  times at XXXX!! ) Please advise

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a complaint on XX/XX/2025, complaint number # XXXX, regarding an account on my FTC report . Upon review, I discovered that the wrong account was included. The account currently listed is XXXX XXXX XXXX XXXX XXXX XXXX, with FTC report number # XXXX. This is incorrect and does not reflect the issue I intended to report. I am requesting that this dispute be canceled immediately to prevent any further processing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Defaulted student loans transferred from XXXX  to Debt Resolution Group after payment were made to XXXX 

Contacted the company on XX/XX/XXXX, noted that payments have been made, company stated because i made payments in XX/XX/XXXX and XX/XX/XXXX, loans would NOT BE transferred to Debt resolution group as XXXX had been paid in full and XXXX with payment to bring out of default. Aidvantage sent loans anyway for the full amounts, including XXXX that is still being paid on. next payment is set for XX/XX/XXXX. 

Debt Res Group was contacted on XX/XX/XXXX, told i need to mail in dispute form for the XXXX loans transferred from Aidvantage. This was mailed out XX/XX/XXXX. Contacted Debt Res Group on XX/XX/XXXX, stated the dispute was lost and never received. 

Both XXXX and Debt resolution group give run around about having the loans transferred back between the companies, or removed from the account. 

Filed a complaint with the Dept of ED ombudsmen but case was closed with no explanation as to why and no resolution to the claim. 

Attached with this i have included a letter with more details, banking statement showing Aidvantage took my payments, paid in full letters from XXXX Account information from XXXX show loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I do not have the physical PayPal Credit Card ending in XXXX. I never received this card, never activated it, and never authorized any activity associated with it. 

On XXXX XXXX XXXX I received two unsolicited identity-validation messages from Synchrony Bank via SMS. These messages contained links to securelink.syf.com and asked me to validate my identity. I did not request these messages, and I have not initiated any login or validation attempts. 
These messages were sent after Synchrony had already flagged fraudulent activity on a PayPal Credit Card ending in XXXX a card number I was never informed about, never received, and never activated. I have not logged in to my account because I do not believe it is safe to do so until Synchrony confirms the account is secure and provides full documentation.

I am concerned that Synchrony is triggering identity-validation messages without my consent, while failing to disclose all card numbers associated with my account or explain how fraud occurred across multiple cards. I am requesting a full explanation of why these messages were sent, what card numbers they are tied to, and whether my identity or account credentials have been compromised.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
The Social Security Administration ( SSA ) issued a federal benefit payment of {$4600.00} to my account with a confirmed payment date of XXXX XXXX XXXXXX/XX/year>. The SSA has provided me with the official 23-digit Federal XXXX  Number [ XXXX ], confirming the funds were successfully transferred through the Federal Reserve to Bank of America .

Despite having this irrefutable federal tracking code, Bank of America 's customer service, fraud, and verification departments have repeatedly refused to locate the funds or open a formal investigation, claiming they can not track the payment. My account was recently reinstated after a suspension, and it appears the bank is withholding my federal benefits without cause. This is a violation of Regulation E regarding error resolution for electronic fund transfers. I have spent hours on the phone with no solution provided by the bank.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My credit card account has been closed since XXXX  and I am still being charged interest.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I made an external transfer from First Citizens bank of {$10000.00} on XX/XX/year>. The banks on-line banking system states that up {$10000.00} can be transferred per day. When I attempted to make another transfer on XXXX, the banks on-line system would not allow it stating " The amount was over the daily limit ''. I contacted the bank and was told that due to " processing '' I would not be able to make another transfer until the morning of XXXX. In violation of their own stated policy, my funds were kept hostage for an additional 2 days. I believe what they are stating on their banking website is deceptive and a way to keep customers money by delaying a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I keep getting overdraft fees tanked out despite opting out of it. I am tired of being victimized, the issue has never been resolved and continues to occur despite multiple attempts to fix it.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: VA

Complaint narrative:
I had a Discover card for over XXXX  years. I used the card to purchase XXXX different items, from XXXX different companies. I always pay my bills on time. XX/XX/year>, I paid the bills at the end of month, but I send the items that purchase back to the companies. The Discover companies refused to give me back my full refunds, instead they took {$41.00} from each item I returned. I'm up set up because I always pay Discover what due. The cost of the XXXX items : XXXX ) XXXX and XXXX ) XXXX. Discover send me only {$48.00} from XXXX item and {$42.00}. Why do I own them {$82.00}. Now they send me another bill for {$69.00}. XXXX in XX/XX/year>. Because I don't want my FICO Score mess-up. Okay I just send the XXXX payment to them because the company that I bought {$69.00} ( Woman Within-Case Number XXXX ) said they didn't get the item. The problem I have with Discover company will they take another {$41.00} dollar. The Item was returned per Woman Within instructions. I have the receipt ( from XXXX ) where they send me to take the package. Both companies have all this information. I just learned that Discover refused to give my refunds. I was told to contact CFPB by XXXX XXXX. Thanks, you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: IA

Complaint narrative:
We were never, ever notified about this, as far as garnishing my wages, etc. We were never alerted about a court hearing either!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: CO

Complaint narrative:
I sold an item on XXXX XXXX. 
XXXX shows the item was delivered on XX/XX/XXXX. 
The buyer messaged me after delivery. 
The buyers non-receipt dispute expired on XX/XX/XXXX. 

Meta Pay continues to withhold my funds without explanation. 
This is causing immediate financial hardship and risk of eviction. 

I am requesting immediate release of funds or written justification for withholding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: TX

Complaint narrative:
I have been making purchases with Klarna for years and never had issues paying all my balances owed.Klarna is a company similar to XXXX  in which they partners with many stores to assist you with purchasing items and setting up payment plans with them.One of the purchases I did was for renters and auto insurance with XXXX. I originally created a Klarna purchase card for a total of $ XXXX the auto was {$1200.00} and the renters was $ XXXXSince I didnt create a Klarna card big enough for the purchase, the transaction only paid for the renters insurance which was {$180.00}. I then received a message from Klarna stating they would refund the amount unused.However the amount I was left to pay totaled {$250.00} which included {$15.00} in interest.Which did not add up because I was billed an additional $ XXXX attempted reaching their chat after providing proof to them and I called as well but every service representative claimed that XXXX charged the extra fee even though I submitted three different proofs showing they did not and the error is on Klarna end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I have a Roth IRA with SoFi XXXX. The account has a balance of approximately {$54.00}, which represents my XXXX contributions. When I attempted to withdraw my contributions, the SoFi XXXX  blocked any withdrawal, including a {$1.00} test withdrawal, because the account balance is less than SoFis {$100.00} IRA closing fee. SoFi told me in writing that withdrawals could not be processed if the balance would become lower than the closing fee, and that my only option to access the funds would be to forfeit 100 % of my contributions to the fee. 

Roth IRA contributions are legally accessible to consumers at any time, but SoFis fee policy prevents access entirely in this situation. This effectively traps consumer funds and converts the closing fee into a junk fee that exceeds the entire account balance. I am requesting that the CFPB review this practice, as it prevents access to retirement contributions due to a custodial fee and leaves consumers with no reasonable option to withdraw their own funds. 

I have a record of my chat with customer support and I will include it here : Sofi : Thank you for choosing SoFi! I'm one of our Investment Specialists, how may I assist you today?

Me : I need to withdraw my {$54.00} Roth contributions. The system wont let me withdraw even {$1.00} because of the {$100.00} IRA closing fee. Since the fee is larger than the account, Im requesting a one-time waiver so I can withdraw my funds and close the Roth IRA.

Sofi : Hello XXXX, unfortunately we are not able to waive the closeout fee. If you'd like I can enter the request to closeout the account and the remaining balance would go towards the fee. You can also leave the account open if you'd prefer. 
Me : Can I withdraw my contributions and keep the account open? Or is SoFi preventing me from accessing my contributions?

Sofi : Since a withdraw would leave the account balance below the closeout fee it would be unable to be processed.

Me : So just to confirm, I am unable to access my Roth contributions unless I forfeit 100 % of them to the closing fee. Is that correct? 
Sofi : You can continue to use the account if you'd like, however a withdrawal could not be processed if it would leave the account lower than the closeout fee. If you'd like the account closed, let us know and we can get that started. 
Me : Thanks for confirming. Ill leave the account open for now. Since SoFi is preventing access to Roth contributions due to the closing fee, Ill file a brief CFPB complaint and let them review. Have a good day. 
Sofi : Ok, Thanks for contacting SoFi XXXX, have a nice day!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am writing to formally dispute and appeal the denial of my home loan modification application dated review and denial on XX/XX/XXXX, which states that my application was denied due to a Debt-to-Income ( DTI ) ratio too high. The problem is that decline letter was not send to me into today XX/XX/XXXX. 

This delay constitutes a violation of the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X ( 12 C.F.R. 1024.41 ). A delay of approximately 150 days to issue a decision is not compliant with federal servicing requirements and improperly deprived me of :

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