vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am submitting this complaint regarding the assessment of XXXX overdraft fees on my U.S. Bank account, which I believe were applied in a manner that is unfair and based on unclear or inadequately disclosed policy terms. U.S. Bank communicates that overdraft fees may be avoided if deposits are made before a specified cutoff time. I made deposits with the intent to bring my account to a positive balance within that timeframe. However, the banks policy did not clearly or effectively communicate the applicable time zone for this cutoff. Due to this lack of clarity, my deposits were credited outside of the required window, and I was assessed XXXX overdraft fees. This situation reflects a breakdown in transparent communication. Reasonable consumers should not be penalized due to ambiguity in how cutoff times are defined or applied, particularly when acting in good faith to resolve a negative balance. The underlying negative balance has been fully resolved. The only remaining negative amount on the account consists of the XXXX overdraft fees. I contacted U.S. Bank to request a courtesy adjustment based on these circumstances, and my request was denied. I have not previously received any fee waivers, and this was an isolated incident where I made a clear effort to comply with the banks stated policy. I am requesting that U.S. Bank : Reverse all three overdraft fees associated with this incident Review and improve how cutoff times, including time zones, are disclosed to customers to ensure policies are clear, transparent, and not misleading Given the lack of clarity in the policy and my good faith effort to promptly resolve the balance, the continued enforcement of these fees is unreasonable and inconsistent with fair banking practices. I expect a prompt review and resolution of this matter.

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 2026-04-01 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: MOHELA
State: VA

Complaint narrative:
What happened? ( Final Optimized Version ) To the best of my knowledge, my federal student loans have been subject to long-standing servicing issues that began under XXXX XXXX and have continued following the transfer to MOHELA. Between XXXX and XXXX, I made numerous payments under XXXX XXXX. Payment records show that many payments were applied entirely or primarily to interest, with little or no reduction to principal, despite consistent payment activity. During this period, multiple interest capitalization events ( including in XXXX ) increased the loan balance, contributing to long-term balance growth. In XXXX, I formally raised concerns with a U.S. Senator regarding the mismanagement and application of payments by XXXX XXXX. Following the transfer of my loans from XXXX to MOHELA, my monthly payment amount increased significantly, creating additional financial strain. On XX/XX/XXXX, MOHELA issued my first billing statement for {$510.00} due XX/XX/XXXX, and I enrolled in the SAVE repayment plan on or about XX/XX/XXXX. Beginning in mid-XXXX, my loans were placed into Administrative Forbearance, during which no payments were required. Despite being in forbearance, my loan balance increased from : {$110000.00} ( XX/XX/XXXX ) to {$120000.00} ( XX/XX/XXXX ) an increase of {$2800.00} during forbearance There is also a material discrepancy in reported balances : Servicer balance : {$120000.00} ( XX/XX/XXXX ) Credit bureau reported : approximately {$130000.00} ( XX/XX/XXXX ) Difference : approximately {$9700.00} My credit reports also contain inaccurate or misleading information, including balance inconsistencies and delinquency-related remarks despite the accounts being in Administrative Forbearance. To date, I have not been provided a complete accounting of how payments, interest, and capitalization events have been applied across the life of the loans, including through the transfer between servicers. I am submitting this complaint due to the continuing discrepancies in balances, application of payments, and credit reporting across multiple servicers, and I am requesting a full investigation and correction.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
An alleged debt in the amount of approximately {$4800.00} is being reported and collected by a third-party agency on behalf of a former apartment complex. This matter was previously taken to court in XXXX XXXX, Indiana ( Cause No. XXXX ) in XX/XX/year>. The case was dismissed without prejudice, and no judgment was entered establishing any legal obligation. Despite the dismissal, the account continues to be reported on my credit report and pursued for collection. I have disputed this account multiple times and requested full validation of the debt. In response, I was provided with an account ledger ; however, no supporting documentation was provided to substantiate the balance. Specifically, I did not receive a signed lease agreement, proof of damages ( such as invoices, receipts, or photographs ), or a detailed explanation supporting a large portion of the balance categorized as Other, which exceeds {$3800.00}. Additionally, I dispute the accuracy of several charges, including post-move-out fees and overlapping utility-related charges. The continued reporting and collection of this account, despite the absence of a court judgment and lack of sufficient supporting documentation, raises concerns regarding the accuracy and verifiability of the debt. I am requesting that this account be fully validated with proper supporting documentation or removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Mi, XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It XXXX Concern, I am a victim of identity theft and I am formally requesting an immediate block XXXX deletion of fraudulent accounts reporting on my consumer credit file pursuant XXXX the Fair Credit Reporting Act XXXX, XXXX, XXXX XXXX. I did not open, authorize, sign for, or benefit from the accounts listed below. These accounts were opened using my personal information without my knowledge or consent. Under FCRA XXXX, you are required XXXX block fraudulent information within XXXX XXXX days after receiving proper identity theft documentation. Fraudulent accounts XXXX be blocked : XXXX Credit name : XXXX account number : XXXX, date opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX- account number : XXXX, date opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX XXXX UNION- account XXXX XXXX XXXX, date opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX- account number : XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX XXXXS- account number : XXXX, XXXX opened : XX/XX/XXXX XXXX Credit name : XXXX. SYSTEM, INC- account number : XXXX date opened : XX/XX/XXXX XXXX Credit name : XXXX DEBT XXXX account number : XXXX, date opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX XXXX- account number : XXXX, date opened : XX/XX/XXXX XXXX Credit name : XXXX DEPARTMENT OF EDUCATION- account number : XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX XXXX Credit name : XXXX XXXX LLC- account number : XXXX ( XXXX accounts XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Credit name : XXXX XXXX XXXX UNION- account number : XXXX, date opened : XX/XX/XXXX I have enclosed the following required documentation : Government ID Proof of address Identity Theft Affidavit You are hereby notified that reporting information resulting from identity theft is a violation of the Fair Credit Reporting Act if not blocked upon notice. If these accounts are not blocked, deleted, XXXX suppressed, I will file formal complaints with : Consumer Financial Protection Bureau Federal Trade Commission Michigan Attorney General XXXX XXXX XXXX Comptroller of the Currency I request written confirmation of deletion. I certify under penalty of perjury that this statement is true XXXX correct. 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I formally disputed the validity of this debt filed by Service Finance Company. Please find the letter I sent XXXX them XXXX already with no response from their end. At no point did I sign any service completion authorization, nor did I approve or accept the charges being claimed. I have previously requested documentation supporting Service Finance CompanXXXX claim, including proof of my authorization XXXX signature, XXXX you have failed XXXX provide any such evidence. Your continued reporting of this account as a charge-off without providing proper documentation constitutes the reporting of unverified and potentially inaccurate information. Accordingly, I demand the following : XXXX. Copies of all documents bearing my signature, including : o XXXX contract o Service agreement o Service completion authorization XXXX. A complete accounting of how this alleged debt was calculated XXXX. Proof that you have the legal right XXXX report this account If you are unable to provide the above documentation within XXXX days, you must : Cease reporting this account immediately XXXX all credit bureaus Request deletion of this tradeline from all credit reporting agencies Please be advised that failure XXXX comply may result in complaints filed with regulatory agencies XXXX potential legal action for violations of the Fair Credit Reporting Act ( FCRA ) XXXX other applicable laws. Hope you will take this letter seriously. Thanks,

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was approved for a Citibank credit card. On XX/XX/XXXX, I received notice that the card was being mailed to my home address in Illinois. On XX/XX/XXXX, I departed Illinois for a work assignment. On XX/XX/XXXX, I called Citibank to discuss changing the mailing address for my card. A profile department manager verified my identity and recommended an address change in order to receive the card during my travel. However, because only regular mail delivery was available and I expected to relocate again within approximately one week, the turnaround time was insufficient. With the manager 's affirmation, I decided to wait until I was settled at a stable address before requesting the change. On XX/XX/XXXX, after settling into a location where I would remain for two or more weeks, I called Citibank to execute the address change. During this call, the agent submitted the address change request before verifying my phone number. When the phone verification step then ran, Citibank 's third-party system could not allow verification of my cell phone number, likely a carrier database matching issue, not an error on my part. The account was immediately flagged as high risk. A verification reference letter was initiated to my Illinois home address, which I can not access from my current location. I then called the Executive Resolution Office, where the representative stated they could not view my account details and transferred me to the fraud department. The front-line fraud agent offered only three verification options : wait for the reference letter at my Illinois address , provide a home landline number, or verify through an existing Citibank checking XXXX savings, or credit relationship. I do not have a landline, and this is my first Citibank account. I escalated to a fraud department supervisor named XXXX, who confirmed that no alternative verification methods exist and that no override capability is available at any level. I requested call reference numbers when I spoke with the manager and supervisor ; agents refused to provide them. This card has never been activated. No charges have ever been made. A profile department manager verified my identity just two weeks before the fraud flag was triggered. The flag itself resulted from the agent 's procedural sequence, instead of from any action I took. The system now requires me to receive mail at an address I can not access, to resolve a situation that Citibank 's own process created. No employee at any level can correct 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 non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones reporting of late payments on my credit account and their failure to conduct a reasonable investigation. Capital One confirmed in a written response dated XX/XX/XXXX that late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are accurate. However, these same months are not being reported consistently across consumer reporting agencies. XXXX reports XXXX late payments and shows XX/XX/XXXX as 120 days late. XXXX and XXXX report only XXXX late payments and show XX/XX/XXXX as CLS ( closed ). The same account can not be reported differently across credit bureaus if the information is accurate. Additionally, in a prior response, Capital One referenced an account ending in XXXX but provided documentation associated with a different account number ending in XXXX. This indicates that the investigation may not have been conducted using the correct account records. Because Capital One continues to furnish inconsistent payment history and has not reconciled these discrepancies, I believe they failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. I am requesting correction or deletion of the disputed late payment reporting across all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: KS

Complaint narrative:
So this is about cash app on XXXX 2026 my sister 's XXXX XXXX sent me {$30.00} to cash at cash at decided they were just going to take the money and tell me my account was negative {$29.00} prior to me knowing this my account got hacked therefore cash I've had to send me a new card and cancel my old one because they said there was unknown charges that I didn't do they said charges left my accountant at {$29.00} negative I guess I don't even know how I can get negative but I was negative instead of taking that money and and clearing away so I can have my {$30.00} they took that money that someone else put on my account and just took it and took my {$30.00} saying it made my account back to right again to where you know the hacker the hacker in my account negative or whoever did it did it they took my money and said it was my my problem I just want my {$30.00} back because I need it it was my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, Sequium Asset Solutions , LLC ( Sequium ) reported a collections account under my name in the amount of {$600.00} to the credit bureaus. The alleged debt is invalid and was disputed by me to Sequium. I disputed the validity of the debt in writing and in a timely manner on XX/XX/XXXX. In my dispute, I requested that Sequium conduct an investigation and provide me with evidence of validity of the alleged debt, how the amount of the alleged debt was determined, and what the creditor did with my security deposit that was never returned to me or accounted for. Sequium acknowledged receipt of my dispute. See attached emails detailing my dispute and Sequiums acknowledgement of the dispute. The Fair Debt Collection Practices Act provides that when a consumer notifies the debt collector in writing, that the debt is disputed, the debt collector shall cease collection of the debt,, until the debt collector obtains verification of the debt, and a copy of such verification or judgment, is mailed to the consumer by the debt collector. 15 U.S.C. 1692g ( b ). This means, that when I disputed the debt on XX/XX/XXXX, Sequium was obligated by law : 1 ) to cease all collection activity ; and 2 ) conduct an investigation and send me a debt verification. Sequium failed to do either. Sequium blatantly violated federal law and continued to call and harass me about the debt after I had already disputed it. Sequium called me on XX/XX/XXXX, and twice on XX/XX/XXXX. See attached screenshots of my phone records ( and phone number and contact name ) showing XXXX XXXX of Sequium repeatedly called me to harass me about the debt AFTER Sequium had acknowledged receipt of my dispute. What is worse is that she misrepresented her efforts and told me she was calling me to help me when in fact her sole purpose was to help her client. I never received any further communication from Sequium and did not receive any validation of the debt, nor any documents verifying the alleged debt. It was only recently that I discovered that, unbeknownst to me, and in direct violation of the Fair Debt Collection Practices Act, Sequium had proceeded to report the alleged debt to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to redeem an offer using my Citi XXXX XXXX XXXX. I enrolled in a {$10.00} Off {$100.00} on any XXXX purchase and the offer expires on XX/XX/year>. I made a {$110.00} purchase on XX/XX/XXXX at XXXX in California XXXX and it shows as made on XXXX XXXX, XXXX XXXX XXXX XXXX, but the offer is gone and when contacting their chat representative, they said that the purchase must be made before XXXX XXXX. Their offer details don't specify anything about time zones, making redemptions confusing and futile in cases like this.

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 2026-04-01 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: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX around XXXX or XXXX XXXX. I was in the XXXX XXXX store on XXXX XXXX XXXX in XXXX I had just voted {$180.00} cash that my boyfriend had gave me I loaded it at XXXX XXXX on to my friend card I proceeded to XXXX to find a new phone thinking that will keep my ex-boyfriend who's my identity thief from hacking my phone I moved my money from my savings account to my checking account I swiped my debit card it told me it was pending for the following for 5 hours and I said okay maybe when they close on shop and counter registers it'll process okay it never processed it got transferred to the secure deposit account I believe an external deposit account the woman I talked to on the phone told me it was either in my savings my checking or my credit builder and she said I spent it I did not spend it was intended only for a phone because I needed a new phone so somehow some way he transferred my money into either my savings or credible their account and transferred it to his external Bank so I continued to ask for refund because I did not authorize any of those transfers any of the transactions and she said she told me I already spent the money when my money didn't go through from my phone bill so no I did not spend money my money was stolen and then on XXXX at family Dollar on XXXX XXXX in XXXX Florida {$19.00} was used by XXXX XXXX XXXX who is my Identity thief using his tap pay to make his purchase at XXXX XXXX he got my debit card number by hacking into my phone unboxing the card and viewing the debit card numbers that happened at XXXX XXXX. I have a cyber investigator who's going to do a investigative scan a diagnostic forensic scam on my phone so that way we can see the IP address that moved my money from savings account to credibility to check into wherever see what all the IP address did I'm already prosecuting him he has no job he has already XXXX we travel never see again because he deactivated my identity theft account so that I can't even play my daddy that's insurance and now time I've been a customer for over 6 years and this is like one of the only times I have ever asked for a refund but if they want me to all that up all the fraudulent transactions from XXXX with XXXX XXXX XXXX started stealing from me up until today and I will get a lawyer and I will sue them out of time for not helping me get my money back when it was fraudulently fed or taking on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
After I made my XXXX payment, I realized that it was not marked as paid. I then discovered that my account had been placed in forbearance without my request or authorization, even though my account was current. I called them, and they insisted that I had requested the forbearance. I asked them to review the recorded call to verify my version, but they did not provide any confirmation. They told me the forbearance was canceled, but my account has still not been updated. They are acting as if nothing happened. I also requested a letter confirming that they made a mistake, but I have not received anything. At the same time, I requested an escrow account for my property taxes, and I am concerned this situation could create issues because of the forbearance. However, I am not sure yet, as I am still waiting for an update.

Company response to consumer: Closed with explanation