vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BROKER SOLUTIONS, INC.
State: MN

Complaint narrative:
We had agreed to a loan modification of our home loan back in XXXX of 2026. After we received a loan modification letter in the mail and in the letter, it advised us to call New American Funding if we agree to the modification terms and to begin making our first trial plan payment. We even decided to remove New American Funding from our active XX/XX/XXXX bankruptcy so that we could move forward working directly with them and proceed with the loan modification. We called New American Funding to let them know that we agree to the modification terms ( per the instructions in the letter we received ), and we submitted our XX/XX/XXXXtrial plan payment in XXXX of 2026. Our XX/XX/XXXX plan payment was due by the end of XXXX. We called at the end of XXXX to make the XX/XX/XXXX plan payment only to be told that our loan modification plan has been canceled by New American Funding and they can not accept our XX/XX/XXXX plan payment. The representative who we spoke to at the end of XXXX advised that she will be looking into this internal error ( she confirmed it was a mistake on New American Funding, as to the plan being canceled ) and once she has answers, she will reach back out to us. I received a voicemail from New American Funding that went directly to my " spam '' voicemail box, so I did not see it right away. I eventually called New American Funding to check in on the status of this error in XXXX. I was advised that the loan modification process has to be " re-opened '', I was also advised that because our original modification was accidentally canceled, the foreclosure process had begun. I still have not received a reason as to why our original loan modification was canceled. I informed New American Funding to make sure the modification is re-opened because it should never have been canceled in the first place. On XX/XX/scrub> 2026, we had someone knock at the door of our home with what looked like papers in their hand. We had no knowledge of who this person is or why they are at our home. We contacted New American Funding on XX/XX/year>2026, asking about the person who came to our home and they advised it was an inspector because our loan was delinquent. It is extremely unsettling and very frustrating that because of New American Funding 's mistake of canceling our existing loan modification, we haven't been able to make our original plan payments, which has then caused the foreclosure process to begin and they sent someone to our home and now the modification has to be re-opened.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mother passed away leaving my brother and I XXXX XXXX as beneficiaries on her Truist checking account. I summitted the death certificate in XXXX I XXXX XXXX was told that both beneficiaries need to be present for the account to be closed, I informed Truist Bank that my sibling has been informed by me and that my mother did not have a will and there is no probate or estate proceedings or executive of estate and that I am not legally responsible for the actions of the other beneficiary. I was then told to summit a notarized letter of instruction with my demands to be sent to the back office for approval which I have done over XX/XX/XXXX days ago I was also told that the Back office has received the letter and should be releasing/transferring my percentage of the funds into my Truist checking account I have given Truist adequate amount of time for the transaction to take effect. when I call the branch or back office for an answer on estimated time of action they refuse to respond with a definitive answer. This nonresponsive non process is causing me to file a complaint and also take legal action which will cause me time and 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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Hi, I was charged {$400.00} for XXXX and XXXX back in XXXX. It was a fraudulent charge because they did the same exact thing for the same amount from XXXX. Citi card has since removed the charge and it no longer appears anymore anywhere. So now the {$400.00} comes up without a merchant or date. It would just show billing date and pay {$400.00}. Since then, Citi card has put me into Citi collections even though Ive been negotiating in good faith from day one and must have called and emailed them over 100. No exaggeration. Theyve tact on $ XXXX in interest and late fees. AND my CREDIT SCORE WENT FEOM XXXX and XXXX to respectively XXXX and XXXX. On a different note but still with Citi. I purchased an exhaust for {$990.00} that didnt fit on my motorcycle and it has been returned with a pre paid mailer and the merchant received it, but Citi bank sided with the merchant and they wont tell me why. The managers there were very emphatic and agreed they have all the paperwork they needed to reverse the charge so I could get the {$990.00} back but Citi hasnt returned one red cent. I believe this is in retaliation that I said Citi card is by far the worst credit card Ive ever had and Im XXXX years old. This is the only thing that makes sense. So they want me to pay {$400.00} and {$180.00} for a total of {$580.00} for a charge no one knows why its for or when. They put me into collections. They wont credit my account for an exhaust I paid {$990.00} for my motorcycle that didnt fit and Citi has confirmation that the merchant received it in the same manner it was sent, new. Can you please help? Kind regards XXXX XXXX

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
FORMAL COMPLAINT AND DEMAND FOR REINVESTIGATION Re : ChexSystems Consumer Report Formal Dispute Under the Fair Credit Reporting Act To Whom It May Concern : I submit this complaint regarding the continued reporting of inaccurate and/or unverifiable information contained in my ChexSystems consumer report. I previously disputed this information and requested a reasonable reinvestigation. Despite my dispute, the information continues to be reported without sufficient explanation or documentary support demonstrating its accuracy. Under the Fair Credit Reporting Act, including XXXX XXXX. XXXX ( b ) and XXXX, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. Accordingly, I request that ChexSystems provide : XXXX. A complete description of the reinvestigation conducted. XXXX. The method used to verify the disputed information. XXXX. The identity of each source contacted during the investigation. XXXX. Copies of all documents relied upon to verify the disputed information. XXXX. The date and manner in which the information was verified. XXXX. Copies of any records establishing that the reported information is complete and accurate. If ChexSystems can not verify the disputed information through a reasonable reinvestigation, I request that the information be promptly deleted or corrected as required by the Fair Credit Reporting Act. Please preserve all records, investigation notes, electronic communications, and documents relating to this dispute. I request a complete written response within the time required by applicable law. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America has reported a 'suspected fraud ' flag to both XXXX XXXX XXXX ( XXXX ) and XXXX on an account from nearly five years ago that I never activated, never used, and owe {$0.00} on. There has never been any transaction history, overdraft, or financial loss associated with this account. This inaccurate and unverified fraud flag is causing severe financial hardship, causing automated loan rejections and blocking me from opening standard bank accounts. Because I never used the account, Bank of America can not verify any fraudulent activity. Bank of America, XXXX, and XXXX are violating the Fair Credit Reporting Act ( FCRA ) by publishing defamatory, inaccurate consumer data without proper verification.

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 2026-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am filing this supplemental complaint because Ally Financial has now reported my account as a repossession to the credit bureaus and has closed my loan account even though I paid the amount required to redeem my vehicle. After more than twelve business days of delays, repeated requests for redemption information, conflicting explanations, and Allys admitted error regarding my account history, I ultimately paid the redemption amount to recover my vehicle. Despite doing so, Ally has now reported a repossession on my credit file and has closed my account. This action is deeply concerning because Ally previously acknowledged that it made errors in handling my account. Specifically, Ally admitted that it mistakenly treated my XXXX wrongful repossession as a valid repossession and used that error to conclude that I had experienced two repossessions within one year, resulting in an incorrect determination that I owed the entire remaining loan balance. Ally advised me that it was correcting this mistake. Given these admitted servicing errors, I question whether the information Ally has furnished to the credit reporting agencies is accurate and complete. I request that Ally explain : 1. The legal and contractual basis for reporting this account as a repossession. 2. The reason the account was closed after I redeemed the vehicle. 3. Whether the credit reporting reflects Allys corrected account history. 4. Whether any inaccurate internal records affected the information furnished to the credit bureaus. 5. Whether Ally intends to correct or remove any inaccurate credit reporting resulting from its admitted servicing errors. I also request copies of all records related to the reporting of this account to the consumer reporting agencies, including the dates information was furnished, the account status codes used, the XXXX XXXX reporting codes, and any internal documentation supporting the reporting decision. Given Allys admitted errors, prolonged delays, inconsistent communications, and the resulting financial hardship I have experienced, I request that Ally conduct a complete review of the account and correct any inaccurate information reported to the consumer reporting agencies. If the review determines that the reporting was inaccurate or unsupported, I request that Ally promptly notify all consumer reporting agencies to correct or remove the inaccurate information. I further request that Ally provide a complete written explanation addressing each issue raised in this complaint rather than a general summary response.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
I am filing a complaint regarding the handling of my fraud dispute on my credit card account. I reported an unauthorized transaction and followed the required dispute process. However, my claim was denied despite the transaction being fraudulent and not authorized by me. The bank did not provide a clear or specific explanation of the evidence used to determine the transaction was authorized. I requested further details and reconsideration, but the decision was upheld without a sufficient explanation or meaningful investigation of my claim. I am requesting a full review of this case, including : * The specific evidence used to deny my fraud claim * How the transaction was verified as authorized * A detailed explanation of the investigation process conducted * Reversal of the charge and restoration of any related funds or credits This transaction was not made or approved by me, and I believe the dispute was not properly investigated in accordance with standard fraud handling procedures. I am asking for a fair and complete re-evaluation of this case and correction of the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MPOWER Financing, Public Benefit Corporation
State: CA

Complaint narrative:
I obtained a private student loan through MPower Financing in connection with my enrollment at the XXXX XXXX XXXX XXXX XXXX XXXX ). During my enrollment at XXXX, I was informed that I would be unable to continue my studies unless outstanding tuition balances were paid. At that time, I was directed toward private student loan options through XXXX affiliated financing partners in order to remain enrolled. Based on this requirement to continue my education, I proceeded with the MPower loan. XXXX didn't enforce the agreement that they had with my mother, but pressurized me to take this loan. This is institutional financial abuse, under which I had to take this loan. After obtaining the loan, I raised concerns with MPower regarding the circumstances under which the loan was taken, including the fact that it was obtained in order to satisfy mandatory tuition payment requirements imposed by the university rather than as an independent financial choice made under normal circumstances. Despite informing MPower that I was disputing aspects of the loan context and requesting that my concerns be noted and reviewed, MPower continued to send repeated communications regarding repayment and account servicing without meaningfully addressing my dispute or acknowledging the context under which the loan was originated. As a result, I have experienced financial and credit-related impact associated with this loan obligation, which I would not have incurred under different enrollment and financial circumstances. I am requesting that MPower formally review this account, document my dispute regarding the circumstances under which the loan was obtained, and provide clarification regarding the handling of borrower disputes where loans are entered into under institutional enrollment requirements. I also request cessation of repetitive communications that do not address the substance of my dispute.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I got a text from US Bank telling me thank you for opening the checking account on XX/XX/XXXX. I got a text saying that my mobile number was changed and my mailing address has been changed that if I did not make this changes to please contact them. I call US Bank and I told them that I never called to make any changes two days after that there was a payment coming out of my personal checking account for {$420.00} I never authorize this payment. I call US Bank on XX/XX/year>. I spoke with a supervisor by the name of XXXX telling her that I never made this payment and that I needed those charges to be reversed because it was creating a hardship on my side because there were other payments coming into my bank account. She stated she will open an investigation. she told me that there was also a checking account opened that the payment that I made for XX/XX/XXXX of 2026 went to open that checking account that I never authorized or gave consent to US Bank to open. On XX/XX/year>, I walked into a US Bank because I was told that they needed to verify me to make sure that I was the one on the credit card. I told them that I couldnt make any payments online because they have blocked me from making accounts payments online. I also told them that I never authorized this checking account. I got a letter dated XX/XX/year> from U.S. Bank stating that after careful review we have verified that the transactions you recently alerted us to were not built to your account therefore we are closing the fraud claim no further action is needed. Its been over a month since all this took place and US Bank has not closed this checking account but they have charged me {$30.00} for that return payment of {$420.00}

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 monetary relief
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE 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 CXX/XX/XXXXe XXXX - 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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 2026-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Posting dateXX/XX/2026 Description XXXX payment to XXXX XXXX Conf # XXXX TypeTransfer StatusReconciled Amount- {$1900.00} DescriptionXXXX payment to XXXX XXXX XXXX XXXX XXXX Merchant name XXXX XXXX Transaction category Cash, Checks & Misc : Other Expenses

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 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
There are multiple accounts that I have no knowledge of these accounts. Someone had to have used my information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation