vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the XXXX XXXX tradeline reporting as a charge-off with an approximate balance of {$21000.00} on an account reflecting a credit limit of approximately {$300.00}. This reporting is inaccurate, incomplete, and not verifiable as reported because it reflects an alleged obligation grossly inconsistent with the accounts stated limit and my authorization/consent. I have disputed this repeatedly and it remains on my credit file. This dispute also implicates unfair/deceptive and consumer credit protections including 12 U.S.C. 5531 and 5536, 15 U.S.C. 1601 et seq., 12 C.F.R. 1026.56, and the Rosenthal FDCPA ( Civil Code 1788 and 1788.13 ) where applicable. Under the FCRA, TransUnion must conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). If XXXX XXXX can not substantiate the disputed balance/terms with competent documentation, you must delete or correct the tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). I am demanding deletion ASAP and written confirmation of the outcome. Sincerely,

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC Closed my account and I could not make any further payments. It was not disclosed to me nor was I notified. I was making payments via phone since they closed my online access. I called multiple times to representatives who said it was restored and fixed, but it was not. Now my account is negative and it was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: ME

Complaint narrative:
I am submitting this complaint regarding the handling of a fraudulent online transaction by both XXXX and Citibank and their subsequent failure to conduct a reasonable investigation despite being presented with evidence of fraud. I purchased XXXX watches from an online seller that had been recommended through XXXX 's platform. The seller represented that the items being sold were wristwatches. However, the watches were never delivered. Instead, I received small packages containing inexpensive tin toy rings that bore no resemblance to the merchandise purchased. Upon discovering the fraud, I promptly notified both XXXX and Citibank and disputed the charges. I explained that this type of scheme is a well-documented fraud commonly employed by overseas scammers. The seller ships a low-value item with a valid tracking number in order to create the appearance of delivery, while never shipping the product actually purchased. Despite my explanation and despite the obvious discrepancy between the goods ordered and the goods received, both XXXX and Citibank declined my disputes. Their decisions appeared to rely solely on the existence of tracking numbers rather than any meaningful investigation into whether the merchandise delivered matched the merchandise purchased. Neither institution requested photographs of the items received, sought evidence regarding the nature of the shipment, nor appeared to undertake any substantive review of the facts presented. Instead, they simply concluded that because a package had been delivered, the transaction was valid. In my view, this falls far short of the reasonable investigative standards that consumers should expect from financial institutions entrusted with handling fraud claims. As a result of their refusal to adequately investigate the matter, I closed my Citibank account and blocked further use of my XXXX account. I have since been subjected to collection threats for charges arising from what I believe to be a clear case of merchandise fraud. I respectfully request that the CFPB investigate whether XXXX and Citibank fulfilled their obligations under applicable consumer protection laws and regulations, including their duties to conduct reasonable investigations of disputed transactions and claims of fraud. I further request that the disputed charges be reviewed and that any collection efforts associated with these transactions be suspended pending a proper investigation. I am prepared to provide supporting documentation, including transaction records, dispute correspondence, photographs of the items received, and any other evidence necessary to substantiate this complaint. Thank you for your attention to 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 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
To whom it may concern, We had a trial payment plan set with Carrington Mortgage to catch back up on payments. We called to have the payment taken out on XXXX XXXX and had the money in the bank. We have the confirmation number and everything and even called the next day to make sure payment was processed. We then get a letter in the mail on XXXX XXXX that our trial payment failed due to nonpayment. We were never contacted that payment failed or anything. I sent in an appeal with all the information showing our calls, confirmation, payment in our account and other supporting documents and they denied me saying it wasnt sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On Friday, XX/XX/year> at XXXX XXXX. I attempted to use Cash App to send money for food to my XXXX XXXX, who were keeping him for the weekend. They are on a fixed income and I wanted to ensure that his stay would not be a financial burden on them in anyway. I tried to send {$60.00} to cover his cost. I labeled the transaction exactly what it was for because thats what Cash App requires. I wrote XXXX for XXXX. My XXXX name is XXXX. I was informed that the transaction was pending for review. After waiting XXXX hours the review had still not been completed. So I waited XXXX hours still had not been reviewed or completed and my money has not been returned. XXXX, XX/XX/XXXX. I received a email from Cash App asking me to explain the reason for the transaction. I responded explaining why I sent the money and that my childs name is XXXX. I even sent a screenshot of his schools registration request where they clearly stated his name. I submitted this as proof that my XXXX first name is XXXX. I looked all day for a response from Cash App and I waited until the next day still no reply. So I called an was told that the issue is been reviewed. Im baffled and irritated. Not only did this put my sons grandparents in a financial bind that weekend, it effects the way I feel about the uncaring way this company is handling my money. It is Thursday, XX/XX/year>, THIS ISSUE IS STILL NOT RESOLVED!!! I still have not had my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
When I attempt to " reduce your final payment '' for a future scheduled cruise using XXXX XXXX XXXX credit card points, I get an erroneous error message. XXXX XXXX customer service and my travel agent agree this is an ongoing problem. XXXX XXXX customer service says I should call them every week to see when it will be " fixed ''. This problem has existed since the credit card 's inception ( more than XXXX weeks ago ). To date, XXXX XXXX credit card customer service has shown a " reckless indifference '' to complying with their stated credit card rules and regulations.

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 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
DEMAND LETTER TO EQUIFAX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX SSN ( Last 4 ) : XXXX Date : [ Insert Date ] Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE + DEMAND FOR DELETION XXXX XXXXXXXX ( FCRA 15 U.S.C. 1681i, 1681i ( a ) ( 5 ) ( A ), 1681e ( b ) ) To Whom It May Concern : I am formally disputing the XXXX XXXX tradeline reporting as a charge-off with an approximate balance of {$21000.00} on an account reflecting a credit limit of approximately {$300.00}. This tradeline is inaccurate, incomplete, and not verifiable because it reflects an alleged obligation grossly inconsistent with the accounts stated limit and my authorization/consent. I have disputed this multiple times and it remains on my Equifax file. This dispute also implicates unfair/deceptive and consumer credit protections including 12 U.S.C. 5531 and 5536, 15 U.S.C. 1601 et seq., 12 C.F.R. 1026.56, and Californias Rosenthal FDCPA ( Civil Code 1788 and 1788.13 ) where applicable. Under the FCRA, Equifax must perform a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). If XXXX XXXX can not verify the disputed balance/terms with competent documentation, Equifax must delete or correct the tradeline under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). I am demanding deletion ASAP and written confirmation of the results. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I paid for both the appraisal and all the fees required. The appraisal has been finished along with all the paperwork that I have completed in a timely manner. I was told the entire process would be done and closed by early XXXX. We are now in the middle of XXXX. I have tried to contact navy federal but only have been told that we are waiting on the title company and no other info. It has been weeks and I cant be waiting any longer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
The interest rate is outrageous. I can not pay that on top of everything else. I need assistance and theyre not helping

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am the co-signer on an Ally Auto Account. The vehicle is a XXXX XXXX currently sitting in a police impound lot via the XXXX XXXX Police XXXX ( Ohio ) since XXXX. I called Ally 's impound department today, XX/XX/year>, to execute a Voluntary Surrender and disclose the asset 's location to prevent a total lien foreclosure loss. The representative refused to take the surrender, stating they 'just wait for police to contact them. ' Ally is engaging in negligent asset management that will cause severe, unnecessary damage to my credit score.

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 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/year>, I look at my XXXX XXXX credit report as I do every couple of months. I saw that my credit score went down a few points. I looked to see why. To my surprise, there was a " collections '' placed on my credit report for {$110.00} with XXXX XXXX XXXX. Not sure why, I don't owe XXXX XXXX XXXX any money. I called XXXX XXXX XXXX and they said that there was no collections reported on their end, and I was in good standing. I called the collections company they said it was listed with ( XXXX ) and they have no record of a debt collection in my name. I called the other two credit bureaus and they too, do not have any record of it. XXXX XXXX indicated that they received the information from TransUnion. I called TransUnion and they said it was in fact on their report. I told them this was false information and an error on their part. I could not understand the woman on the phone as she was from another country. I asked for a XXXX and she would not transfer me to one. I am very upset by this, I have worked very hard to get my credit up and in good standing and now this? Somehow that made an error. She sounded robotic on the phone, wouldn't listen to me. I did put in a dispute. This has to be stopped and what credit agencies do to people 's credit and reputation is awful. I don't know what else to do to get this out of my name.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC
State: PA

Complaint narrative:
On Saturday XX/XX/XXXX I did an instant transfer of {$300.00} from my Dave account to my XXXX. The {$300.00} did not appear in the XXXX Account but the funds were deducted from my Dave balance and now out of my account. I spoke with customer service approximately 6 times both on the phone and chat and was told something different each time ranging from : they guarantee my money will be in my account by the end of the same day XX/XX/year> ( it was not ), to 10 business ' days till they return the money I explained i desperately needed the money back to pay a traffic ticket or there would be a warrant and as a single mom of XXXX toddlers, that is so scary. Dave did not help locate my money or offer provisional credit. This is my second complaint. They closed the first one without resolution. The only communication I have gotten from Dave is XXXX seperate emails to ask for a trace number ( each of the 3 times I explained it was an instant transfer which doesnt have a trace number and received no reply ) i am hoping they can take responsibility and find my money. I would like it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud scheme. I was called by someone who said they were from XXXX XXXX XXXX, saying they were concerned about someone trying to open a checking account in my name, as well as someone trying to send XXXX payments to themselves, using my phone number, and hijacking the SIM card. They told me this was a serious data breach, and that I should work with their fraud department to resolve my security issues. They posed as XXXX XXXX XXXX XXXX XXXX tech support people, who were also working with the FDIC. They asked me to open my computer, and begin to test various payment systems. Throughout the process, I was repeatedly assured that no money would ever leave my accounts that these were purely security tests. I was asked to conduct tests using several payment platforms, including XXXX, XXXX, XXXX, and XXXX. Each appeared to confirm that the system was secure and that no funds were actually being moved. The scammers then proceeded to test a Western Union transaction, again stating it was merely a system check. At no point did I KNOWINGLY authorize a legitimate Western Union transfer. I believed I was cooperating with authorities to trace fraudulent activity not sending real money. And so, I wound up sending a {$1500.00} wire transfer through Western Union to the XXXX XXXX, to a man named XXXX XXXX XXXX XXXX. The Western Union XXXX XXXX was XXXX XXXX. Notably, while Western Union processed the transfer immediately without any red flags or delays, other payment platforms were far more cautious : XXXX declined all payments and shut down my account due to suspicious recipients. XXXX delayed releasing funds for two days - sufficient time for me to freeze my bank accounts and move funds to safety. XXXX declined multiple suspicious transfers outright. I reported this fraud, first to the local police department, then to Western Union. The response from Western Union was that since the money had already been picked up, there was nothing they could do about it. THIS IS AN UNSATIFACTORY RESPONSE. In fact, they could have put the same security measures that XXXX, XXXX, and XXXX put into place, by either rejecting the requests, or delaying them. Western Union is fully aware that scammers frequently use their services due to minimal filtering.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I am filing a complaint regarding dealer fraud, loan terms, and a failure to provide the vehicle title by XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX, which is the dealership that originated my loan with Credit Acceptance ( Account # : XXXX ) for a vehicle purchased on XX/XX/year>. During the purchase, the dealer explicitly coached me to falsify my down payment information on the loan application, which I did not realize was improper at the time. Furthermore, the dealer failed to honor promises made regarding vehicle repairs, specifically the damaged windshield, which subsequently resulted in financial losses due to legal citations. It has been 11 months since the date of purchase, and the dealer has failed to provide the vehicle title or perfect the lien. I have formally requested the status of the title and a resolution regarding the loan discrepancies from the lender, Credit Acceptance, but they have failed to provide a valid title or rectify the fraudulent contract terms. Given these predatory lending practices, the falsification of loan documents, and the dealer 's ongoing failure to provide legal ownership documentation, I am requesting a full rescission of this contract ( dealer buy-back ) and a refund of all payments made to date.

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: KY

Complaint narrative:
Outrageous APR. can not pay back that amount and its never ending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing this regarding account-takeover fraud from a stolen wallet. In XX/XX/XXXX, my wallet was stolen and I immediately notified Navy Federal. I originally opened a checking account and a {$500.00} secured credit card. Under Regulation E and Z, Navy Federal was obligated to investigate. Instead, they failed to investigate, allowed unauthorized charges to create a negative {$510.00} balance on my checking account, and lost track of my {$500.00} secured card profile. My official FTC Identity Theft Report was updated this week under my previous address : [ XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ]. I demand that Navy Federal locate my secured card using my SSN, reverse the unauthorized {$510.00} debt, and deposit my {$500.00} security deposit into a new, secure checking account. " My official Identity Theft Report was updated at IdentityTheft.gov this month ( XX/XX/XXXX ) under my previous address : [ XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ]. Please contact me directly through this portal if you require a PDF copy of the full report. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation