vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am in receipt of your response regarding the alleged account ending in 5182. I dispute this debt in full. Your letter does not provide sufficient validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Simply stating that you purchased the account and referencing internal business records is not adequate proof of my legal obligation to pay. Accordingly, I am requesting full and proper validation of this alleged debt, including : 1. The original signed credit agreement with XXXX XXXX XXXX, XXXX. 2. Complete payment history from account opening to charge-off. 3. Full chain of title documenting every transfer of ownership of this account. 4. An itemized breakdown showing how the balance of {$960.00} was calculated. 5. Documentation verifying your legal authority to collect this debt in my state. Until such time as this information is provided and verified, I dispute the validity of this debt in its entirety and request that all collection activity be suspended as required by law. Additionally, any continued reporting of inaccurate or unverified information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I called in late XXXX about a situation that occurred where I'd had XXXX checks from XXXX for XXXX each and wanted to deposit both of them, both my caregiver and I thought it was a good deal from XXXX, because it was essentially a no interest balance transfer while providing cash instead of balance transfer. Since I'm XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the time this started, I'd had some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but not quite high enough for hospitalization as I'm sure you're aware XXXX XXXXXXXX XXXX XXXX based and often doctors succeed only to have those same patients slip through the cracks elsewhere. I took the XXXX XXXX dollar checks and deposited them beause I knew I had a credit imit of XXXX and at the time XXXX owed me about XXXX dollars, which worked out nicely because XXXX dollars or XXXX percent, whichever is higher, of XXXX. Unfortunately, some confusion ensued and a transaction was made using my discover card during this time time for a fairly signifiicant amount of money, several XXXX dollars. I'd already transferred the money to an alternate bank planning to break it into planned use chunks. Ally clawed the money back, froze the account until just XXXX of the XXXX checks settled while I handled the issue with discover, then unfroze my account after several days saying that everything was fine and i wouldn't have any trouble. Then, their fraud department froze and state they " closed '' my account at this time and would be sending a check for any remaining funds. I was absolutely panicked as this was the account my XXXX goes into. I rely on that money to pay for doctors and XXXX XXXX every month. My account was never closed, the money was just sitting there from the first of XXXX until now. I called and last Friday XXXX was assured it would be closed and a check mailed for the amount of my XXXX, the money in my savings, and my checking ( all adding up to between XXXX dollars. ). I called back Monday XXXX, the account was still open and it would be escalated. I called back thur XX/XX/XXXX and spoke to XXXX who plaed me on hold and hung up after XXXX mins. I was almost all the way back through the entire queue being re-verified when she called back and offered to continue the conversation, but has been quiet the entire time while reching out to " senior leadership ''.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I do not recognize this alleged debt or the company reporting it. I requested validation and documentation proving I am legally responsible for this account, including the original signed agreement, payment history, and proof of ownership of the debt. The company has not provided sufficient verification. This account appears inaccurate and may also be obsolete due to age. I am requesting a full investigation and removal of this account from my credit report if the company can not properly validate the debt under the Fair Credit Reporting Act and Fair Debt Collection Practices Act

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were processed without my consent or acknowledgment. I demand urgent investigation and timely resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX I went into our USAA app and clicked on our checking account and then our savings account both said restricted. I said okay lets call because its probably because I logged into my laptop which was new, as were on the phone with customer service we get told USAA is closing the account and they notified us which we werent aware of until the phone call with the customer service rep that we called. There are no specific notes on our account as to why, we havent gotten a straight answer. We were notified in the evening and my husbands check was direct deposited early this morning. All we want is to get our money and we XXXX get a new bank account no problem well Usaa wont give us access to our funds. We have to wait for XXXX days then well receive a check with our money thats in there. Ive called filed a couple formal complaints paints and filed an appeal and talked to many people and had them escalate it to a XXXX now Im stuck waiting for a XXXX to call me so I can convince them to let me pull our money out. My XXXX check is all we have to live on and we have XXXX kids now we have to wait XXXX days to get our money

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 2026-05-28 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: CO

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I have federally originated FFEL loans currently serviced by MOHELA ( transferred from XXXX in XX/XX/XXXX ). I worked for a qualifying public service employer for 17 years making consistent on-time payments throughout. Despite meeting all PSLF employment and payment requirements, none of my MOHELA-held loan payments count toward any federal forgiveness program solely because my loans are commercially classified, a status I did not choose and was never adequately informed about. At no point did MOHELA or its predecessors ( XXXX XXXX ) proactively inform me that my commercially held FFEL loans were ineligible for PSLF or federal forgiveness programs. I was also never notified of the PSLF Limited Waiver ( ended XX/XX/XXXX ), which would have allowed me to consolidate and receive retroactive credit for 17 years of qualifying payments. Missing that window has permanently cost me forgiveness eligibility on a significant portion of my loan balance. When I contacted XXXX in XXXX, I was told for the first time that MOHELA is a commercial servicer and none of my payments qualify for any federal forgiveness program. XXXX characterized this as my " failure to meet program requirements, '' which I dispute. I met all requirements within my control. The sole disqualifying factor is commercial loan classification resulting from institutional decisions entirely outside my control. I requested documentation from MOHELA of when my loans were transferred, what disclosures were made, and what my forgiveness options were. MOHELA did not provide this information and responded only with generic form letters. I have recently been laid off, making resolution of this matter urgent. My MOHELA account shows I am enrolled in an Extended Repayment Fixed plan with an estimated payoff date of XXXX/XXXX/XXXX. I was never advised that this repayment plan does not qualify for income-driven repayment forgiveness or PSLF. Had I been properly informed of my repayment options and forgiveness eligibility, I would have enrolled in a qualifying income-driven repayment plan. I am requesting that MOHELA be required to provide full documentation of the loan transfer history and all disclosures made to me, and that their failure to inform me of the PSLF Limited Waiver be investigated as a servicer compliance issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am an FHA borrower with a documented gross income of {$3500.00}. Selene is forcing a {$2500.00} trial payment ( 73 % DTI ) - loan modification for 30 years, explicitly denying my right to appeal, and giving me an ultimatum to accept the predatory payment by XX/XX/year>, or surrender my home. I called them today, XX/XX/year>, requesting to file an appeal and request requesting an FHA waterfall review, they denied this and stated I had no other choice and that was their only option for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> : I was making payments to settle other debts and noticed {$640.00} was charged from my account and labeled Forced Payment. I immediately research if my suspicions were right that it was deceptive and immediately called Truist. The transaction was blocked from reversal and was instructed to go to a branch. I go to the branch and made an appointment and followed through with the appointment with the banker. She told me Truist has a partnership with XXXX XXXX XXXX to collect banking charge offs. I call them and they said the same thing but by servicing the debt. I have emails from XXXXXXXX XXXX XXXXXXXX saying it was bought and I had to deal with them directly which I have been and was working on settling that account to. I acknowledge the debt is mine, BUT I still feel strongly that this is a True Deceptive practice and SHOULD end.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I requested to close my business checking account with Truist Bank. The bank processed the closure and mailed a closing check for ~ {$4000.00} made payable to my business name. During a mobile deposit attempt the check was accidentally damaged and torn. When I contacted Truist to request a reissued check, I was unable to authenticate through normal channels because the account no longer exists. I was told my only options were to visit a physical branch in person, which is not accessible to me due to distance, pay a {$35.00} stop payment fee and wait 90 days for a replacement check, or wait for the funds to escheat to the state. I was not offered any alternative resolution. I am requesting that Truist reissue the closing disbursement check without requiring an in-person branch visit and without charging a {$35.00} fee for a situation that resulted from their own account closure process.

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 2026-05-28 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: Bilt Technologies, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding unauthorized XXXX withdrawals initiated by Bilt Rewards directly from my bank account. While reviewing my account activity during an unrelated billing investigation, I discovered multiple ACH withdrawals initiated by Bilt outside of my normal monthly credit card payments that I do not recognize and did not authorize. The unauthorized XXXX withdrawals are : XX/XX/year> {$32.00} XX/XX/year> {$34.00} XX/XX/year> {$32.00} On my Bilt account statements, these transactions appear as debits associated with XXXX XXXX, followed by corresponding credits associated with Bilt Rewards, creating the appearance that the funds were returned or internally offset. However, my bank statements clearly reflect that the XXXX withdrawals were completed and the funds were never returned to my bank account. At this point, I am requesting that Bilt : * Conduct a formal investigation into the unauthorized XXXX withdrawals * Provide a full accounting and explanation of these transactions * Refund all unauthorized XXXX withdrawals totaling {$98.00}, Issue reimbursement via an expedited physical check mailed to my address on file rather than a statement credit, as I am canceling my Bilt account due to these unauthorized transactions and ongoing account servicing concerns * Confirm whether my bank account information or payment methods were improperly used or mishandled * Confirm what steps are being taken to prevent future unauthorized XXXX withdrawals Given the prior account servicing and billing issues I have experienced with Bilt, I am also concerned about the accuracy and integrity of their transaction processing systems. I am attaching supporting bank statements and account records documenting the disputed XXXX withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
To Whom It May Concern, I have had several issues with this bank including missing money from my account, exorbitant fees, misleading statements. Currently when a company gives me a refund for merchandise the deposit or credit will appear on XXXX day and than disappear the next sometimes to never reappear. Currently a merchant credited my account in the amount of XXXX dollars, the deposit appeared and than did not show up as a credit in my ledger. This has also happened with numerous refunds involving different merchants. Thank you for looking into 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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I owe a lawyer XXXX which he told me I can make payment plans on but then just sent it to collections without telling me because his assistant kept not returning my calls I owe a loan for around XXXX which I can pay off I owe a small {$100.00} to XXXX i think which I can pay as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: InDebted Corporation
State: TX

Complaint narrative:
I have received numerous emails and phone calls from not only XXXX XXXXXXXX XXXX But now from Indebted a collection company. Even after I requested that they stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I attempted to withdraw money from my account to another bank account in my name. Marcus froze the funds and claimed that they needed onerous documentation from me ( a statement from my other bank sent to them via mail ) in order to complete the transfer. They also could not manually reverse the transfer, leaving my $ XXXX in limbo while Marcus decides what to do with the funds at their sole discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, we were subjected to a high-pressure sales presentation with XXXX XXXX XXXX regarding a multi-state camping and vacation membership. This complaint concerns material misrepresentation, deceptive marketing, and the unauthorized opening of a financing account through Comenity Bank. During the presentation, a sales representative explicitly wrote on a board and verbally confirmed that a specific promotional cruise benefit was valid for four ( 4 ) passengers. This substantial offer was a primary reason we agreed to move forward. Furthermore, we were shown a demonstration of an easy-to-use booking system on a screen. Relying on these explicit representations, we signed membership paperwork, unaware that the agreement included an immediate application for a financing account with Comenity Bank, rather than just a resort membership agreement. Upon attempting to use the membership, we immediately discovered the core information provided was false. The actual cruise benefit terms state it is only valid for one ( 1 ) passenger, meaning the 4-passenger representation was a deliberate 'bait-and-switch. ' Additionally, the booking system provided is entirely different from the inaccessible interface demonstrated during the tour. Furthermore, shortly after signing, our household experienced a severe and unexpected financial emergency regarding medical bills for our sons urgent XXXX XXXX, making any discretionary expense, including this membership, financially impossible. We immediately sent a formal dispute and cancellation request to XXXX XXXX Resorts, but they refused to resolve the matter, continuing to assert the contract 's validity despite the fraud and hardship. We have since received a billing statement from Comenity Bank. We have not used any services, no funds have been exchanged, and we maintain that this debt and the resulting Comenity Bank account are invalid due to fraudulent misrepresentation. We are requesting immediate closure of this fraudulent credit line and the removal of all related negative reporting from our credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I sent over what I thought would be a deposit for a car delivery but was a scam unfortunately. Cash App has failed to protect my account and money from a suspected scam it seems that the accounts that the money was sent to were reported for scam activity yet the accounts are still active and youre able to send money successfully I immediately filed for a dispute and reported the account and it took Cash App over 15 days to finally get back to me saying that they couldnt help with no further information as to why I think they should do better in protecting assets if theyre going to acts as a bank account.

Company response to consumer: Closed with explanation