vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Over the summer, we opened a business checking account that was later closed by the bank a few months afterward based on an allegation that deposited checks were fraudulent, which is not accurate. We initially received only one vague letter stating the account was under investigation and were not provided with a case number or any specific details regarding the alleged issue. After repeated phone calls, we were informed verbally that the bank believed certain checks were forged ; however, all checks were legitimately issued by customers as payment for completed services. As part of our standard business operations, we receive physical checks from customers, photograph them, and deposit them into the account. The bank referenced XXXX checks during phone conversations, but the total amount of those checks does not reconcile with the funds currently being withheld, which exceeds {$12000.00}. After continued follow-up, we eventually obtained a case number and were instructed to submit documentation, including bills of lading and images of the checks, which were promptly provided to both the fraud and check departments. Despite this, we received no acknowledgment or substantive response. When requesting a status update, we were told to independently contact each issuing bank to obtain written verification that the checks were validan unreasonable request, as banks do not disclose such information to non-account holders and it is inappropriate to require a business to involve former customers in an internal bank investigation. The bank has failed to conduct a proper investigation, provide clear communication, or reconcile the amounts being held, and continues to withhold our funds without justification. We are requesting that the CFPB review the banks handling of this matter and require the bank to complete its investigation, provide a clear explanation, and release the improperly withheld funds.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report that I disputed as inaccurate. In response to my dispute, LVNV Funding marked the account as verified without providing proper documentation or validation of the alleged debt.

Additionally, LVNV Funding relied on inaccurate and undisclosed personal identifying information, including address information that I have never lived at. I am attaching a copy of my government-issued identification from 2022 showing my correct address, which demonstrates that the address information used to verify this account is false.

By verifying the account using inaccurate personal information and without providing supporting documentation, LVNV Funding failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act.

I previously requested proper validation of this alleged debt, including proof the account belongs to me, details of the original creditor, and itemized statements supporting the balance. LVNV Funding did not provide this information and instead improperly verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: SC

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a rental debt being collected and reported by ProCollect , Inc. on behalf of XXXX XXXX  / XXXX XXXX, XXXX. 
The balance is disputed because it arises from contested move-out charges and the basis for XX/XX/year> rent. I raised habitability and safety issues in writing and disputed the charges in writing during the move-out process. 
The Final Account Statement being relied upon contains materially inaccurate information, including an incorrect Move-out reason listed as Employment transfer. This characterization is incorrect and materially misleading. As documented in my written move-out notice sent on XX/XX/year>, I vacated the unit due to unremedied health and safety conditions, including persistent pest infestations and hazardous property conditions. 
My move-out was conducted pursuant to Paragraph 15.4 of the rental agreement and Texas Property Code 92.052 and 92.056 ( e ) ( 1 ), which provide a tenant the right to terminate a lease without penalty or further rent liability when a landlord fails to remedy conditions that materially affect health or safety after notice. Accordingly, my move-out was not voluntary, not employment-related, and not subject to remaining-rent charges.

I also provided written notice to the original creditor that I disputed the Final Account Statement and intended to pursue legal action if the matter was not resolved.

After a long gap with no resolution of the dispute, the account was sent to collections and reported to credit bureaus, harming my credit. 
This balance is now the subject of active litigation : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Case No. XXXX. 
I request that ProCollect mark the account as disputed, cease collection activity, and stop any further credit reporting while the case is pending court decision.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a payment with my saved checking account information. It was rejected for " incorrect banking information '' and I was charged a {$30.00} return check fee. I called and was even told that the same account had been used to make all successful payments prior to the failed XXXX. I am told that it is not a synchrony bank issue therefore the fee can not be removed. This was their fault and I am told there is no way for them to remove the fee.

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 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a rental debt being collected and reported by ProCollect , Inc. on behalf of XXXX Tranquility / XXXX XXXX, XXXX. 
The balance is disputed because it arises from contested move-out charges and the basis for XX/XX/year>2024 rent. I raised habitability and safety issues in writing and disputed the charges in writing during the move-out process. 
The Final Account Statement being relied upon contains materially inaccurate information, including an incorrect Move-out reason listed as Employment transfer. This characterization is incorrect and materially misleading. As documented in my written move-out notice sent on XXXX XXXX, 2024, I vacated the unit due to unremedied health and safety conditions, including persistent pest infestations and hazardous property conditions. 
My move-out was conducted pursuant to Paragraph 15.4 of the rental agreement and Texas Property Code 92.052 and 92.056 ( e ) ( 1 ), which provide a tenant the right to terminate a lease without penalty or further rent liability when a landlord fails to remedy conditions that materially affect health or safety after notice. Accordingly, my move-out was not voluntary, not employment-related, and not subject to remaining-rent charges. 
I also provided written notice to the original creditor that I disputed the Final Account Statement and intended to pursue legal action if the matter was not resolved. 
After a long gap with no resolution of the dispute, the account was sent to collections and reported to credit bureaus, harming my credit. 
This balance is now the subject of active litigation : XXXX XXXX XXXX XXXX, Precinct XXXX Place XXXX, Case No. XXXX. 
I request that ProCollect mark the account as disputed, cease collection activity, and stop any further credit reporting while the case is pending court decision.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I opened an HSA at HSABank ( Webster ) in XXXX of XXXX. Then I got a call from someone identifying themselves as the fraud office of HSABank, asking for bank account information and my full SSN. I refused because it sounded like a scam call. I told them to send it in writing. She said they would suspend my account if I didn't tell her over the phone. The subsequent letter said I had to verify the checking account that I used to transfer funds when I opened the HSA. I sent two letters from my bank ( XXXX XXXX ), verifying both accounts that I would be using. The HSA account is still suspended. I have called repeatedly to find out the status and to see why there was a problem and what else I needed to do to lift the hold. The call center people said that they did not know why there was a hold, and said I should work with the fraud office. I sent an email to that office, and they told me to call the call center, which I have done every few days. Finally, this week, I got angry told the call center that I needed my tax document and I wanted to close the account. Then he told me why there was a hold : first, he said that my check and the the routing number had two different bank names on them. I explained that my checks say " XXXX XXXX '', but XXXX XXXX changed its name to XXXX XXXX in XXXX - they could have Googled that!! Second, he said there was a single declined charge from a bakery in my neighborhood. I explained that I didn't have my glasses on and grabbed the wrong green-colored card when I bought a coffee. It was declined and I saw my mistake and corrected it. Those two things were each grounds for a hold. The result has been that I am delaying needed treatment of pain, and I can't pay for a XXXX XXXX to check on a XXXX on XXXX XXXX! I told them that I wanted to transfer to another bank 's HSA, and he said I couldn't do it until the hold was lifted. I asked for a copy of my form XXXX for filing my taxes, and he said that he couldn't give it to me until the hold was lifted. I have no confidence that it will be done by XX/XX/XXXX, which is the latest date he gave me for having this done. They have {$2300.00} of mine, and clearly want to use it for as long as they can draw this out. They have not been transparent, instead the obfuscated the reasons for the hold, didn't investigate ( because 2 months later, they still didn't know that my bank just had a new name ), didn't ask me about the bakery mistake, and now refuse to let me close the account and refuse to provide my tax form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
I have call multiple times requesting a XXXX form from the company they have place it on my credit report as a charge off I haven't yet to receive XXXX this has been since XXXX of 2021 they also have put different prices it showing in reporting to the credit as welll I haven't yet gotten so many different prices in this account I have upload proof I have also as for a bill sell paper because it was sold at at the actuations I have proof I did pay payment in this account

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: NPG Associates, Inc.
State: ID

Complaint narrative:
On XXXX I was contacted by an unknown party I called back and they stated that they were looking for my daughter and I told them that my daughter was not affiliated with this number that they called on and then they asked if I was her mother and I said yes and the gentleman then started demanding that I pay a debt I have no idea about but because I'm her mother he said that I was responsible but my daughter is over XXXX and she's XXXX and currently incarcerated just because I'm her mother does not mean I am responsible for her debt I asked him to prove to me that I had had any knowledge of this debt and he said that that was not his job they then somehow got my email address sent me a verification like a letter of demand for money I have no knowledge of this account I then sent them a request back to send me verification that I signed anything regarding this significant amount of money that has to do with my daughter and to cease and desist all communication until they could verify that this debt was supposedly mine they have continuously called everyday numerous times a day non-stop at all hours. The company is npg associates and the money they are saying that I owe is {$5800.00}. they apparently but a XXXX XXXX debt that has been exonerated from XXXX XXXX in Idaho it is illegal to collect on a XXXX XXXX that has been exonerated and they're trying to collect on a exonerated bond that is no longer in existence and just because I'm her mother doesn't mean I should have to pay it XXXX I never said I would that was between the XXXX XXXX and my daughter but yet I'm getting harassed daily threatening my livelihood my family and my belongings and my household

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am writing to formally document and dispute issues regarding my XXXX XXXX  account serviced by Comenity Capital Bank. 

I initially contacted Comenity Capital Bank and spoke with a representative named XXXX to close my accounts and set up a payment plan to pay off the balances. I was informed that closing the accounts while paying them off was not an option due to continued interest charges. I was then offered a payment plan for my XXXX account in the amount of {$15.00} per month and my XXXX XXXX account in the amount of {$10.00} per month. I agreed to these terms, with payments to be drafted from my account on the first of each month beginning in XXXX. I was also advised that if any issues arose, I should contact Comenity so my agreement would not be affected. I had an issue and I contacted Comenity and was told that everything would continue as agreed. 

Before my first scheduled payment, my bank account was compromised. I contacted Comenity and was advised that I could stop payment on the draft and submit payment by another method, which I did. The following month, I called again and provided a debit card for all future payments. Since then, all payments have been made on time. 

In XXXX and XXXX, I began receiving calls and emails from XXXX XXXX. When I contacted them on XX/XX/XXXX, I was informed that my payment agreement was no longer available because I allegedly missed a payment in XXXX. I explained that my records show a payment was drafted. I was then told the issue was related to insurance charges on the account. I advised that my original agreement was for a fixed payment amount to cover my balance and that I was never informed of any insurance, nor advised that additional amounts would be required beyond the agreed payment. 

I later spoke with a supervisor named XXXX, who stated that the issue would be escalated via email. To date, I have not received any follow-up or resolution. 

I would also like to note that my XXXX account, which is serviced by the same company and was under the same payment agreement, has had no issues. All late fees on that account were refunded in accordance with the agreement and my good payment history. By contrast, my XXXX XXXX account has a credit limit of only {$50.00}, yet the balance has now exceeded {$200.00} due to added late fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
Formal Dispute and Demand for Debt Validation To Whom It May Concern, I am writing to formally dispute the alleged debt you are attempting to collect regarding a gym membership account associated with my name. 
This letter constitutes notice that I dispute this debt in its entirety under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). The alleged balance arises from a contract that was materially breached by the original creditor. 
Specifically, although I paid the required enrollment fees and was charged monthly membership dues, I was never provided access to the gym facilities. I was instructed to complete activation in person during business hours to receive a key fob ; however, despite multiple attempts on different days and times, no staff was ever present at the location. I made repeated attempts to resolve this issue by phone, voicemail, and email, all of which went unanswered. As a result, the gym never performed its core contractual obligation. 
Because the services were never provided, no valid debt exists. 
Pursuant to 15 U.S.C. 1692g, I hereby request full validation of this alleged debt, including : * Proof of the original contract * Proof that services were provided * Proof that the amount claimed is valid and legally owed Until such validation is provided, you are required to cease all collection activity. Any reporting of this disputed debt to credit reporting agencies without proper validation may constitute a violation of federal law.

Please confirm in writing that collection efforts have been suspended pending validation.

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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited XXXX dollars in the ATM. It did not give me credit for the deposit and the machine said keeping your funds for safe keeping. I am out of the cash and no credit to my account

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
I am submitting this complaint due to my mortgage servicers ongoing failure to properly update my loan file, execute submitted documentation, and provide a functional single point of contact, despite representing that corrective actions were being taken in response to a prior complaint.

Previously, I filed a complaint regarding my mortgage account due to the servicers failure to follow applicable law and standard servicing procedures. In response, the company claimed it was implementing corrective measures and assigned me a single point of contact representative. However, the telephone number provided for this representative does not work, and I have been unable to reach them despite repeated attempts.

When I contact customer service, I am informed that my file has not been updated and that there is no record reflecting the corrective actions the servicer stated it was taking. Additionally, I notarized and submitted paperwork exactly as requested by the mortgage company. To date, that paperwork has not been executed or processed, and no explanation has been provided.

Because my account has not been properly updated, my mortgage payment amount has not been adjusted or clarified. As a result, I do not know what amount I am expected to pay, placing me at risk of delinquency due to the servicers inaction rather than any fault of my own.

This ongoing failure to update my account, provide accurate information, and maintain a functioning single point of contact has caused undue stress and hardship. The servicers conduct appears to be a continuation of its initial failure to follow the law, followed by a failure to follow its own stated corrective procedures.

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