vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CUSTOMERS BANCORP, INC
State: CO

Complaint narrative:
Hello, I had a bank account with customers bank as a XXXX XXXX  account. I believe my account closed about a year ago at most a year and a half. 
I am going through a court case right now and I need to access my bank statements from the time that I was with Customers Bank. However, they will not give me my bank statements or any of my records. They are wanting my account number however my account number is not even listed on the statements that I do have. It only shows the last XXXX of the account. 
I have asked for other ways to remedy this situation and they do not provide any options at all. They just say that there's no way possible that I could get my information without having my account number. Under law I know that I have the right to have the access to my records. 

I have called three different times attempting to remedy this. One time they referred me back to XXXX but because XXXX does not use them anymore as a bank then XXXX no longer has my account information with them. The other times that I called they did not even tell me anything like that, they just said I can't do anything at all with my account number.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ). 

I demand that you immediately provide a detailed account of the methods and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, a payroll check was issued by the XXXXXXXX XXXX XXXX XXXX XXXX office using M & T bank. That check was fraudulently cashed on XX/XX/XXXX. The check was forged and cashed at XXXX XXXX XXXX. I am the payee on the check, I never received the payroll check or any replacement check. I emailed the XXXXXXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX inquiring about the payroll check. I was informed the check had been issued. I notified the XXXXXXXX XXXX XXXX via email on XX/XX/XXXX that I had not received the check and was notified the check had been cashed on XX/XX/XXXX. Per the XXXXXXXX XXXX XXXX, an investigation was initiated shortly after. The issuing bank, M & T bank reportedly filed a claim with XXXX  XXXX bank to initiate an investigation. Texas XXXX XXXX  is the XXXX  XXXX XXXX XXXX XXXX. Based on correspondence from the State of Maryland, I had been under the impression that XXXX  XXXX XXXX  had not responded to repeated attempts by M & T bank ( State of Maryland Government ) to obtain a status in the investigation process. On XX/XX/XXXX, after I filed a complaint with the CFPB, Texas XXXX XXXX  responded indicating they were unable to locate a claim filed by M & T Bank for the above reference check. XXXX XXXX XXXX also confirms the check in question was cashed and deposited in XXXX. Had an investigation been initiated in XXXX, it would have been easy to obtain information as to who cashed the check since the information would have been readily accessible at the time of initial reporting. I am requesting proof from M & T Bank that a formal investigation into the fraud claim was initiated in or around XXXX, XXXX. I am seeking information that reflects M & T Bank operated in good faith in seeking resolution by way of an investigation into the reported fraud. I am also seeking resolution in this matter and compensation in the amount of {$2500.00}. 

Check # XXXX Date : XXXX Amount : {$2500.00}

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 2026-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
Offering {$400.00} to close this account out that is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding, LLC c/o Resurgent Capital Services [ Company Address ] RE : Cease and Desist Notice FDCPA 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), that I am requesting you CEASE AND DESIST from all further communication with me regarding the following alleged accounts : LVNV Funding Account No. XXXX XXXX Alleged balance : {$1200.00} LVNV Funding Account No. XXXX Alleged balance : {$470.00} Under federal law, you are hereby directed to stop contacting me immediately.

This includes, but is not limited to, phone calls, text messages, emails, letters, and any contact with third parties regarding these alleged debts.

You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of a specific legal action you intend to take.

Any further communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented and may constitute violations of federal law, subjecting your company to civil liability. 

This letter is not an acknowledgment of any debt, nor is it an agreement to pay. 
I dispute the validity of the alleged debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
I am submitting this complaint regarding MOHELAs repeated reversal of my student loan payments and the subsequent issuance of delinquency notices despite my good-faith efforts to pay. 

I have attempted to make my required loan payment three separate times through MOHELA. Each time, the payment was reversed. After the first reversal, I contacted my bank to confirm that my routing number, account number, and other banking information were correct and that there were no issues or restrictions on my account. My bank confirmed that all information was accurate and that no payment errors originated on their end. 

I then contacted MOHELA multiple times by phone to verify my banking information directly with them and to ensure that payments would be processed correctly. MOHELA representatives confirmed that the information on file was correct. Despite these confirmations, MOHELA continued to reverse my payments. 

As a result of these reversals, MOHELA has issued delinquency notices, placing my account at risk of negative credit reporting and potential financial harm, even though I have made repeated, documented attempts to pay on time. 

Additionally, a brief public search shows that many borrowers are experiencing the same issue with MOHELA reversing payments without clear explanation or resolution, suggesting this may be a widespread servicing problem rather than an isolated incident. 

I have acted in good faith at all times, and any delinquency reflected on my account is solely the result of MOHELAs payment processing failures. 




XX/XX/year> Payment Reversal {$15.00} {$280.00} {$0.00} {$290.00} XX/XX/year> Payment - {$15.00} - {$280.00} {$0.00} - {$290.00} XX/XX/year> Payment Reversal {$24.00} {$270.00} {$0.00} {$300.00} XX/XX/year> Payment - {$24.00} - {$270.00} {$0.00} - {$300.00} XX/XX/year> Payment Reversal {$30.00} {$260.00} {$0.00} {$290.00} XX/XX/year> Payment - {$30.00} - {$260.00} {$0.00} - {$290.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I purchased tickets through XXXX that were subsequently confirmed to be counterfeit. I made multiple attempts to resolve this matter directly with XXXX ; however, they failed to provide a satisfactory resolution. As a result, I initiated a dispute with my credit card issuer, Capital One. 
In support of my dispute, I submitted comprehensive documentation, including purchase receipts, the counterfeit tickets, a written statement from the theaters director confirming the tickets were invalid, detailed call logs, and a personal written account outlining my communications with XXXX and the responses received. 
I have spent a significant amount of time communicating with both XXXX and Capital One in an effort to rectify this issue. Despite the substantial and corroborating evidence provided, Capital One has continued to deny my claim. 
The tickets were purchased in XXXX, the event took place in XXXX, and the dispute was formally opened in XXXX. This matter has remained unresolved since that time. I am able to provide additional supporting documentation, including letters, emails, and receipts, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Santander bank called me on XXXX XXXX and told me that I have to made a payment on my credit Santander Ultimate. I was not agree with Santander about it. Since then I open a case of Identity theft. Also, XXXX XXXX is working in this case. My credit card from XXXX was cancelled about it too. Santander bank doesnt released about it even I requested it to use the fraud protection program. This situation affects my credit score, etc. Santander doesnt used the right security features to confirm who was doing those purchases. Thank you.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was unaware that my credit card had an annual fee, I never used the card after opening it because it never worked and I didn't want to have to deal with Citi Bank 's terrible customer service. In XXXX I received a text message stating that I had a past due balance so I logged in and saw that I was charged an annual fee and then a late fee and interest. I never received a statement in the mail or via email or even a notification from the app or a text message before the payment was actually past due. I tried reaching out to someone via their chat and was given the run around and a whole bunch of ridiculous information like I need to pay the fee and then close the card and then they'll mail me a check. I explained that this was ridiculous and no other bank operates this way, but he insisted this was the only way. I tried to talk to someone via chat the next day to confirm and they said I needed to call the retention team. A few days later, when I had time, I called the retention team and spent over XXXX minutes on the phone with someone, I was mainly on hold while he spoke with multiple supervisors. He initially tried telling me there was nothing that could be done and I told him that was wrong based on the information I had received previously via chat and I insisted he check with a manager. After all the hold time he came back and confirmed the only thing that could be done was for me to pay the fee and then call back when the payment posted and they would down grade the card and send the money back to me via check. I paid the card down that day and called back when the payment had posted. When I called back and was told that he was wrong and there was nothing that could be done. I asked to speak with a manager and was placed on hold for XXXX minutes only to be told again that they listed to the call and see the previous employee 's notes, but he was wrong and the manager he spoke with was wrong and they won't be doing anything. So they lied to me in order to get me to pay the annual fee and then refused to do what they promised they would. This is an extremely shady business practice and seems quite illegal. I have a credit score of over XXXX and have never, in my life, had a late payment. I've also never had such terrible experiences with any other financial institution.

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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, {$250000.00} from matured U.S. Treasury Bills was deposited into my BMO Alto Savings account. These funds were originally invested from this same account in XXXX. When I attempted to transfer funds, BMO restricted my account. 

I contacted BMO on XX/XX/XXXX and immediately provided my Drivers License and TreasuryDirect maturity documentation as requested ( BMO confirmed receipt on XX/XX/XXXX ). Despite providing proof of a verified U.S. Government source of funds and my identity, the bank informed me on XX/XX/XXXX that my funds are in a '90-day internal review ' and refused to provide a timeline for release. 

I have exhausted internal channels ( Complaint # XXXX ) and was subjected to a circular runaround by phone between BMO XXXX and BMO US. I am declaring financial hardship as BMO is currently engaged in a constructive seizure of {$250000.00} in verified government-issued funds. I demand immediate restoration of account access.

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received an email from American Express stating, We need to discuss important information about your American Express XXXX XXXX XXXX Account and instructing me to call. I called at XXXX XXXX. and was informed that my funds were frozen pending verification of my linked bank account and that I needed to provide four months of personal bank statements from my credit union ; this was confirmed again after escalation to the fraud department. I requested to close the account but was told I could not do so until the requested documents were submitted, and I uploaded all four statements within approximately 30 minutes using the link provided; I was advised the review would be completed within 35 business days and that I would receive a call, but no explanation was provided for why the funds were frozen. 

On XXXX at XXXX XXXX, I called for a status update and was told the funds should be released by Friday, XXXX, no later than XXXX XXXX, within the stated 35 business day timeframe. The funds were not released. On XXXX at XXXX XXXX., I called again and remained on hold for XXXX hours and XXXX minutes before contacting customer service from a separate phone, where I was told only a complaint could be filed and that the matter could not be escalated ; I was then transferred to the XXXX  department with an additional 30-minute hold. Prior to the hold being placed, I had attempted to transfer {$3000.00} back to my external bank account after only making deposits into the account since XX/XX/XXXX, and while I believe this may have triggered the review, no confirmation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have called AMEX customer support, got redirected to the ACH XXXX  department. Asked them to provide detailed information on one of the ACH incoming transfers in written, they refused it to do, they provided information over the phone. And they told that they will not provide this information in written. I asked to escalate issue, being told someone will contact me in 48 hrs which is never happened. 
Information I have requested : ACH credit details Effective date / post date Amount Originator name ( or Company/Payor ) Company ID / Originator ID ( often 10 digits ) Entry description ( e.g., PAYROLL, PPD, CCD, WEB ) SEC code ( PPD/CCD/WEB/etc. ) 2. Trace / reference identifiers ACH Trace Number Any reference ID or internal transaction ID 3. Receiving account details ( masked is fine ) Last 4 of the receiving account I provided all information they requested, include all authorizations.

Company response to consumer: Closed with explanation