vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: LA

Complaint narrative:
On XX/XX/year>, my online banking access with CIT Bank was disabled due to multiple unsuccessful login attempts. Shortly after, I received alerts that my password had been changed, which I did not authorize. On the same day, a transfer of {$8300.00} was made out of my account to an external account while I was unable to access my account. This represents a serious security failure. CIT Bank blocked my access but still allowed password changes and a large external transfer to occur. I contacted the bank to understand what happened and to request clarification regarding the unauthorized transaction and account activity, but I did not receive clear or consistent answers. I dispute the accuracy of several statements made in the banks response. The attached screenshots and records contradict portions of the banks explanation regarding account access, password changes, and the unauthorized transfer. I am requesting a full review of the authentication process, access logs, IP/device records, and all actions taken on my account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascent Holding Co
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit file that I believe deserves further review and correction. At the time of the reported late payment, I had XXXX separate loans/accounts with the same lender, which caused genuine confusion regarding which payment was connected to which account. In XXXX, a {$25.00} payment was missed by mistake. Once I realized the issue, I immediately made a {$75.00} payment in XXXX to cover both the missed amount and the following payment obligation. Additionally, there appears to be inconsistent reporting regarding the payment history. My co-signers reporting reflects a total of XXXX missed payments between the XXXX loans, while my own credit report only reflects XXXX late payment. This inconsistency raises concerns about the accuracy of the reporting and whether the accounts are being reported correctly. I also never received any phone calls, app notifications, emails, or other alerts warning me that a payment was overdue. Had I received notice, I would have resolved the issue immediately. This was an honest mistake caused by confusion between XXXX accounts with the same lender, not an intentional failure to pay. I respectfully request that this reporting be reviewed for accuracy and fairness, and that consideration be given to removing or correcting the late payment reporting based on the circumstances and inconsistent account reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Opened an business checking account with BOA on XX/XX/year> under promotion of XXXX $ bonus if the account was funded with XXXX by day 30-90. i met all the terms of the promotion as of XX/XX/year>. no bonus has been paid out and the representatives have told me they cant do anything.

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 2026-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED BANKSHARES, INC.
State: PA

Complaint narrative:
tried to make payment online on XX/XX/year> could not complete the transaction, when I called customer service the could not help me tried to make payment online on XX/XX/year> could not complete the transaction, when I called customer service THEY could not help me. When I called the bank manager, XXXX XXXX on XX/XX/year> and left a message, he totally ignored the message and never returned the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX - An ACH Debit was posted to our account and it was not noticed until XX/XX/XXXX. We are a non-porfit Homeowners Association with voluteers managing our HOA on their spare time and the transaction in the amount of XXXX was not noticed until XX/XX/XXXX, 4 days to late according to the timeframe allowed for buinesses.We are considered to be a small business opeartion, however while we have to have a small business account and we are incorporated we are not in the business to sell products and goods or provide any services and we make no money. These funds belong to the residents of our Association and are only used to maintain our property. We do not have any amineties such as a club house, swimming pool etc. no recreation. {$6700.00} is a lot of money that was essentially stolen from us. Truist Bank claims to have investigated from XX/XX/XXXX - XX/XX/XXXX and sent us a denial letter on XX/XX/XXXX, citing timeframe issue. As I stated we are not for profit and the missing funds belong to each of the consumers that live in our subdivision. The enity that took the money is not known to us the Name of the entity is XXXX XXXX XXXX XXXX ( unable to find them in XXXX search ) I to me this is grand theft. Please help

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 2026-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I requested : * Complete chain of title and assignment documents * Proof the alleged debt was legally transferred or sold * Original signed agreement or contract bearing my signature * Full itemized accounting of the alleged balance * Documentation showing how the balance was calculated * Proof the company has authority and licensing to collect * Verification that all information furnished to consumer reporting agencies is accurate Despite these requests, the account continues to be reported. Reporting unverified or inaccurate information may violate the Fair Credit Reporting Act, including but not limited to XXXX XXXX. XXXX ( b ), which requires maximum possible accuracy, and XXXX XXXX. XXXX, which requires furnishers to conduct reasonable investigations of disputed information. Additionally, under the Fair Debt Collection Practices Act, including XXXX XXXX. XXXX and XXXX XXXX. XXXX, debt collectors may not use false, misleading, deceptive, or unverified representations in connection with collection activity and must provide proper validation of disputed debts. I also dispute the permissibility and legality of continued reporting without competent evidence proving : 1. The debt belongs to me, 2. The amount is accurate, 3. NATIONAL CREDIT ADJUST has lawful ownership and collection authority, 4. The reporting complies with federal consumer protection laws. If the company acquired or used my personal information through third-party debt sale activity, I request documentation proving lawful authorization and permissible purpose under the Fair Credit Reporting Act. Because this account remains disputed and insufficiently validated, continued reporting causes ongoing financial harm, damages my creditworthiness, and negatively impacts my ability to obtain financing and favorable terms. I request that CFPB require NATIONAL CREDIT ADJUST to : * Conduct a complete investigation, * Provide all supporting documentation and validation, * Cease inaccurate reporting, * And permanently delete this account from all consumer reporting agencies if they can not fully verify every aspect of the alleged debt with competent evidence. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information associated with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am formally disputing the collection account being reported by NATIONAL CREDIT ADJUST regarding the alleged debt associated with XXXX XXXX. I dispute the validity, ownership, accuracy, and legal enforceability of this alleged debt. NATIONAL CREDIT ADJUST is reporting itself as a debt buyer, yet I have not been provided sufficient competent evidence proving lawful ownership, assignment rights, or authorization to collect and report this account. I requested : * Complete chain of title and assignment documentation, * Original signed agreement or contract, * Full itemized accounting of the alleged balance, * Documentation showing how the balance was calculated, * Proof of lawful authority to collect, * Verification that all information furnished to consumer reporting agencies is accurate. Despite the dispute, the account continues to be reported and updated. Under the Fair Credit Reporting Act, including XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX, furnishers must maintain maximum possible accuracy and conduct reasonable investigations of disputed information. Additionally, under the Fair Debt Collection Practices Act, including XXXX XXXX. XXXX and XXXX XXXX. XXXX, debt collectors may not use misleading, deceptive, or unverified representations and must provide proper validation of disputed debts. I dispute whether : 1. The debt belongs to me, 2. The amount is accurate, 3. NATIONAL CREDIT ADJUST has lawful ownership and authority to collect, 4. The reporting complies with federal consumer protection laws. If the company can not fully validate the debt with competent evidence, the account should be permanently deleted from all consumer reporting agencies. I request : * Immediate investigation, * Complete validation, * Removal of inaccurate or unverifiable information, * And permanent deletion of this collection account from my consumer reports if proper verification can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-10 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 I received a notice from XXXX that my XXXX score and rating had decreased. I was shocked at the decline and opened a dispute saying i didn't remember owning an XXXX XXXX XXXX XXXX Card CBNA opened in XX/XX/XXXX ( almost XXXX years before ). Information came back that the account was 'open ' and charged {$81.00}. In XX/XX/XXXX, the account was XXXX past due, then as of XX/XX/XXXX the payment was XXXX overdue and the balance was {$160.00}. I called Citi Cards with a number provided by XXXX. I said I did not have that card and did not make any purchases. The individual I spoke to ( XXXX XXXX said Citi would investigate the complaint as fraud, because I had no knowledge or use of the card. He closed the account as of XXXX PM on XX/XX/XXXX. On XX/XX/XXXX, I received a resolution notice saying the " company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' An XXXX credit report was attached showing my exemplary record of debt payment ( with the exception of this disputed new charge of {$160.00}. ) I called XXXX back to ask what to do. XXXX then allowed my personal credit report to be blocked. Another dispute was opened at XXXX PM. To comply with the requirements this XXXX dispute engendered, I must file a report with a government entity. I am completing this report to satisfy that requirement. I am so frustrated. Some crook got hold of ancient credit card information and has seriously injured my credit. How do I turn this situation around? It's fraud -- but I am the one anxiously trying to restore my credit. WHAT CAN I DO TO FIX 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 explanation
Consumer complaint received 2026-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Hello, Im reaching out because I had a car loan with Credit Acceptance and Ive had two with them at this point. A couple years ago I had a paid off vehicle and it got totaled in a car accident and I took that money and I went up to a buy here. Pay her a lot to get a car. It was a 2013 XXXX and within a couple months before I even got my plate. It got involved in an accident and got totaled. Because I had gap coverage it paid off the remainder of the loan and I had nothing to worry about. I took that remaining money and I went and got another car. That time I had the car for a year or more and it got totaled and it didnt happen to me the first time, but on the second time, they said that because there was rips and tears in the seats, a minor oil leak, and the tires were slightly bald that they were able to deduct that from the gap insurance. I explained to them that thats how I bought the vehicle and the tires were not perfect because I didnt get them with perfect tires and I put tires on my cars because its unnecessary when the vehicle is not brand new. So I even had my My Insurance insurance company get on the phone with them because they didnt agree with it and thats when they just referred me to the contract. Theyve reported that Ive had missed payments. I dont think Im obligated to this debt because I paid them everything I owed them. That remaining balance is strictly from them deducting that from the final amount. Theres no way that somebody can sit and read the whole contract and even if they did read it I had the car for about a year and they didnt do that to me the first time with the other car and it was not in perfect condition either. I explained to them that if I knew that ahead of time, I would not have purchased that car because I dont want to have deductions surprise me at the very end when Im trying to get the loan clear because I have to start a new loan.

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 2026-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank called me about fraud on the XXXX of XXXX. I confirmed that the transactions were fraud and they blocked my atm card and said they would send me a new debit card. They sent out the card but sent it to a residential address in XXXX, Michigan. I live in XXXX and my address hasnt changed for more than XXXX years. The recipients preceded to empty my bank account until it was XXXX today. Citibank admitted that they sent it to the wrong address and said that they would investigate for the next XXXX days and then MAYBE - provisionally- credit my account the XXXX or so that was charged I dont know the exact amount because citi has now blocked my access to see my debit and checking account transactions- I am totally XXXX. This is totally unacceptable- in so many ways.

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 2026-05-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I attended The XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX ( XXXX hours ) during the XXXX of XXXX. Before the start of classes, I contacted the university and informed them that I wish to withdraw from the university. According to the university, since I had never attended any of the classes and this happened before the Census Date of XX/XX/XXXX, there is nothing more required from me. On XX/XX/XXXX, I received a call from the ConServe Collection Agency stating that they were calling for collection on behalf of the XXXX XXXX XXXX and that I had to pay them immediately or by the deadline of XXXX XXXX that day otherwise this would show up on my credit report. Once again, I explained to them all the proper procedures that I followed per the university and I never even attended any of the classes there. On XX/XX/XXXX, I received a letter from Conserve Collection Agency dated XX/XX/XXXX, asking for Recurring Payment Authorization. The letter stated the first payment would start XX/XX/XXXX which had passed. I feel they were again trying to set me up as if I ignored the requested. I am seeking assistance with this issue. I did everything that was required in order to withdraw myself from the university and I believe this should not cost me money. Furthermore, I do not think this should reflect negatively on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Waning Systems consumer report. I have NEVER opened or used the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: IA

Complaint narrative:
I am filing this complaint regarding a disputed transaction involving the XXXX XXXX and the handling of my dispute by Chime. The transaction totaled approximately {$220.00}. After the purchase, I attempted to resolve the issue directly through XXXX by requesting a refund. However, I was unable to successfully complete the refund request process through the platform. The seller on XXXX acknowledged that they wanted to refund me, and I have screenshots confirming this. However, the seller explained that the refund request needed to be processed through XXXX system before the refund could be completed. Despite my attempts to follow the required process, the XXXX platform prevented or blocked the refund request from being successfully completed. I also attempted to contact XXXX directly through the in-app chat support system but never received a response. I was unable to locate any working phone number or direct method to communicate with Whatnot support regarding the issue. As a result, I was left without any functional way to resolve the matter directly through the platform. I then contacted Chime and filed a dispute regarding the transaction. I explained that : - I had attempted to resolve the issue directly, - the seller acknowledged the refund, - the platforms refund system was not functioning properly,- and I was unable to obtain meaningful assistance from Whatnot support. Despite providing this information, Chime denied my dispute and advised that there was nothing to refund or correct regarding the transaction. I do not believe the dispute was properly reviewed given the evidence and screenshots supporting my claim. I made good faith efforts to resolve this issue directly with the seller, through the XXXX platform, through XXXX support, and through XXXX dispute process before filing this complaint. Purchase was made XX/XX/XXXX and the amount of the items needing refunded is {$220.00} which is XXXX of the auctions I won and paid for out of the many I bought that day I didnt get some items and some were damaged I am requesting : - A reinvestigation of the disputed transaction - Reimbursement for the disputed amount - Review of the screenshots and supporting evidence - Clarification regarding why the dispute was denied despite the seller acknowledging the refund issue - Review of whether proper dispute protections were applied under these circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Point Digital Finance, Inc.
State: AZ

Complaint narrative:
This is a substantive UDAAP complaint involving an inaccurate appraisal, a flawed reconsiderationofvalue process, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, failure to provide a fair and independent review. This is not a general dissatisfaction or gripe, but a documented process failure that caused material financial consumer harm regarding XXXX XXXX XXXX refinance application made XX/XX/year>. PDF relied on an appraisal that contained significant factual inaccuracies, incorrect quality ratings, outdated comparables, inappropriate architectural style mismatches, and biased narrative assumptions. The XXXX ignored relevant, recent, samearea modernarchitecture comparables settled within 30 days and instead selected XXXX tracthome cosmetic flips requiring excessive adjustments. The XXXX also ignored superior XXXX XXXX Arizona views and applied doublenegative adjustments for view and traffic. On XX/XX/year>, I submitted an evidencebased challenge known as Reconsideration of Value ( ROV ) to PDF with accurate and reasonable comparables and factual corrections. I explicitly requested PDF not send ROV to the XXXX, and I requested a second independent appraisal. XXXX ignored my request and forwarded my XXXX to the same XXXX. XXXX refused to consider XXXX data and refused to correct material errors. While I understand Fannie Mae guidelines for ROVs limits ROV to XXXX request made by the Borrower, I requested a second appraisal and request was unfairly denied. On XX/XX/year>, XXXX 's Escalations Department ( XXXX ) communicated a decision via email, accepted the materially flawed appraisal, did not conduct an independent review of the materially flawed appraisal, repeated the flawed appraisal info in the email, and denied my Home Equity Investment ( XXXX ) application seeking equityline expansion as an existing customer, based solely on the materially flawed valuation. Points reliance on an inaccurate appraisal, failure to supervise its thirdparty vendor, and refusal to conduct an independent review constitute unfair and deceptive practices that caused material harm.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation