vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
Hi so in XXXX the XXXX I received a deposit of XXXX to cash app from my fiancee. I have proof of all transactions and bill pay to prove I'm the rightfully owner of my cash app. Somehow they allowed someone access to my account. I can't log in. XX/XX/XXXX was my mom 's birthday we had a flight to catch and that money was for our expenses. So that trip didn't go as planned. Due to them freezing or holding my account. The support was no good just kept asking the same questions. It's been a full year. I really want my money back they just can't take my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
The company put my account on a suspension and asked me to provide documentation. After I provided documentation, they skipped any review process and immediately permanently suspended my account the next day. I have had the same issue with the parent company of the party I am laying this complaint against

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PRA verified this account with the credit bureaus while failing to provide any validation documentation despite stating they would. This violates FDCPA 1692g and FCRA 1681s-2. I demand deletion of all reporting and cessation of collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America charged- {$2000.00} on my account and - {$800.00}. 

They wont give answers and said I have to wait 2-3 days for them to do anything. They wouldnt even explain what the charge is or was. I never authorized this. Money was pulled by BOFA from checking and savings illegally

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My dad was XXXX  with XXXX XXXX ... and i lost the car due to having to take time off work due to issues. 

There was a loan modification however they never informed me it was with a third party not cave me another option instead just bullied me. 

They didnt help me with .. just took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Credence Resource Management is reporting two separate collection accounts on my credit report with different balances and dates. I do not owe either alleged debt. 

Credence has not provided any documentation establishing that these accounts represent valid, distinct obligations owed by me. The presence of multiple collections from the same agency without clear verification raises concerns of duplicate reporting, improper re-aging, or misattribution. 

I have no knowledge of any legitimate debts corresponding to these amounts, and no documentation has been provided showing the original creditor, the basis of the alleged obligations, or authorization connecting me to either account. 

Reporting multiple unverified collections has caused harm to my credit profile and reflects a failure to properly validate alleged debts prior to furnishing information to the credit bureaus. 

I am disputing both Credence Resource Management accounts as attempts to collect debts that are not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax is reporting an account from XXXX XXXX on my credit report that does not belong to me. I never enrolled in, attended, or received educational services from XXXX XXXX, and no valid financial obligation exists. 

Despite the lack of enrollment or authorization, this account continues to be reported without documentation establishing that the debt is legitimate. By reporting this account without verifying its accuracy, Equifax has failed to maintain reasonable procedures to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. 

I am disputing the XXXX XXXX account as inaccurate and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TX

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express reported my credit card account as charged-off to XXXX  and XXXX, despite the account reflecting a {$0.00} balance and inconsistent reporting across credit bureaus. 
I contacted American Express in writing and requested documentation to verify the charge-off reporting, including billing statements and proof of compliance with federal reporting requirements. No verifiable documentation was provided. 
The inaccurate charge-off information remains on my credit reports and continues to cause harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I enrolled in Bank of Americas Cash Offer Up To {$500.00} promotion when opening a new checking account. I opened an XXXX XXXX XXXX  XXXX  account under this promotion. 

After opening the account, I completed the required qualifying direct deposits by transferring a total of {$10000.00} in two separate direct deposits of {$5000.00} each into the account, within the promotional qualification period.

However, the promised promotional cash bonus has not been credited to my account. I contacted Bank of America multiple times through online chat, but representatives stated they could not verify or resolve the promotion status. I also attempted to call customer service, but calls required over 30 minutes of waiting without successfully reaching a representative.

I have fulfilled all promotional requirements, but Bank of America has not provided the agreed promotional bonus nor a clear explanation. I am requesting that Bank of America review my case and issue the promotional bonus as advertised, or provide a written explanation if they believe I am not eligible.

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 2026-01-26 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: NC

Complaint narrative:
I had 12 fraudulent charges made on my account. Eight of them were for {$33.00} and four were for {$29.00}. I only received credit for five of the {$33.00} and one of the {$29.00}. I have spend numerous days calling and asking to credit the remaining six transactions. Ive been transferred at least 20 times and every time its a new person asking the same questions and then transferring me again. The issue have not been resolved. My last statement showing that Citibank only credited me six out of the 12 fraudulent charges.

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 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute an inaccurate account being reported on my credit report by Upgrade Inc . 
There is a loan in the amount of {$96.00} reported by Upgrade Inc. that does not belong to me. I did not apply for, authorize, or receive this loan. Despite disputing this account directly with XXXX, the inaccurate information has not been removed from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers have clear legal obligations : XXXX U.S.C. XXXX ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
XXXX U.S.C. XXXX ( a ) requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX U.S.C. XXXX ( b ) requires furnishers of information, such as Upgrade Inc. XXXX to conduct a reasonable investigation upon receiving notice of a dispute and to correct or delete inaccurate or unverifiable information. 
XXXX U.S.C. XXXX ( a ) prohibits the continued reporting of inaccurate information on a consumers credit file. 
Because this account does not belong to me and can not be verified as accurate, its continued reporting is a violation of the FCRA. The failure to remove this account after my dispute with Experian indicates that a reasonable investigation was not conducted. 
I am requesting that the CFPB assist in requiring Upgrade Inc. and XXXX  to : Conduct a proper investigation into this disputed account, and Immediately delete the inaccurate Upgrade Inc. loan from my credit report.

Please note that I am seeking correction of inaccurate information only, as allowed under federal law. 
Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is not mine and resulted from identity theft or an account I did not open or authorize.

I notified LVNV Funding that the debt was not mine and requested documentation showing I authorized the original account.

Despite notice, LVNV Funding has continued collection and reporting activity without providing proof that I opened or authorized the account.

I am requesting assistance to stop collection activity and remove this unauthorized debt from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
The Department of Education 's data system ( NSLDS ) is reporting a duplicate {$10000.00} ghost debt that does not exist at the servicer or collection level. This error resulted in an erroneous {$1900.00} tax offset. I can see that the offset was applied to the ghost debt but none of the departments see it or will listen to me. I have attempted to resolve this via the XXXX  ( XXXX ) and XXXX  ( XXXX ) XXXX ( XXXX ) XXXX  ( XXXX ) and have been disconnected or told they have no record. I demand an XXXX XXXX and a manual data correction.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
My SURGE credit card charges me XXXX annual fee and XXXX per month card servicing fee. I only have a XXXX limit and am paying XXXX in fees! This doesn't include the interest and late fees!! I am over my limit due to these outrageous fees I have requested the card be closed so I can get caught up because I will never be able to with the fees and interest.

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 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX, I logged into Freedom Mortgages online portal to make my monthly mortgage payment. Freedom Mortgage has confirmed that my login activity is reflected in their system. However, the payment was not successfully processed due to issues with the online portal.

I did not receive any notification that the payment failed, nor did I receive a timely delinquency notice. I had no reason to believe the payment did not go through and only became aware of the issue after reviewing my credit report in XX/XX/XXXX. 

I contacted Freedom Mortgage and submitted a formal dispute requesting review of the unsuccessful payment attempt, portal activity, lack of failure notification, and correction of the resulting 30-day late credit reporting.

Freedom Mortgage responded that the payment posted on XX/XX/XXXX and therefore reported the account as delinquent, but did not address the portal failure or lack of notification that caused the late posting.

I am requesting that Freedom Mortgage conduct a full investigation into the servicing error and correct the inaccurate 30-day late credit reporting that resulted from system failure rather than borrower neglect.

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 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MI

Complaint narrative:
Hunter Warfield is reporting and attempting to collect a rental debt that is inaccurately attributed to me. The collection account is tied to an apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, Texas. I never lived at, leased, or had any rental agreement associated with this address.

The address listed does not correspond to any valid tenancy connected to me.

Hunter Warfield failed to properly verify the accuracy of the underlying rental information before furnishing this account to the credit bureaus. Reporting a rental collection tied to an incorrect or non-existent address demonstrates a lack of reasonable investigation and due diligence. A debt can not be valid if it is connected to an address for which no lease or residency exists.

This inaccurate reporting has caused significant harm, including damage to my credit profile, increased difficulty qualifying for housing and credit, and ongoing stress related to attempting to correct errors that should never have been reported. Despite the obvious discrepancy in the address information, the account continues to be reported as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Unauthorized ACH Withdrawals/ Regulation E Dispute - Chase Account Ending XXXX Narrative : I am filing this complaint against JPMorgan Chase regarding a series of unauthorized Electronic Fund Transfers ( EFTs ) totaling approximately {$14000.00} deducted from my checking account ( ending in XXXX ) over the past 12 months. 

The charges are labeled " XXXX XXXX '' and range between {$210.00} and {$1500.00} per transaction. I do not have, and have never had, an insurance policy with XXXX, nor did I authorize these debits. 

Timeline & Actions : XXXX : I discovered the fraud on XX/XX/year>, and immediately contacted Chase to dispute all charges. 

Law Enforcement : I have filed a police report with the XXXX XXXX XXXX Sheriff ( Case # XXXX ) and an Identity Theft report with the FTC ( Report # XXXX ). 

Merchant Contact : I contacted the merchant ( XXXX ) to demand a refund, but they can not locate a valid policy for me because the charges are fraudulent. 

Reason for Complaint : These transactions are " unauthorized electronic fund transfers '' as defined by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As I reported this promptly upon discovery, I am entitled to an investigation and a refund. I am filing this complaint to ensure Chase adheres to the statutory timelines for provisional credit and permanent reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited a check for {$6300.00} issued by XXXX XXXX XXXX XXXX  into my Citibank account via ATM. 

Citibank accepted and negotiated the checkXXXX XXXX XXXX  XXXX XXXX confirmed that the check was paid and can not be canceled or reissued.

Citibank later blocked my account and mailed me the remaining account balance, but failed to remit the proceeds of the negotiated check and did not return the original check or funds.

Over five weeks have passed. Citibank is improperly retaining funds that do not belong to them. I am requesting immediate release of the {$6300.00}.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
My vehicle was purchased through XXXX XXXX  and leased with Santander I was in a car accident and could not afford the repairs so I did a voluntary surrender back to the lending company they went ahead and auctioned the car off they notified me that they auctioned the car but not for the price they sent me a letter stating that they would take an offer of {$410.00} I'm on XXXX and have a limited income and I was working in negotiating with them a reasonable amount no has submitted proof of sale in all these years and months of contacting them I was informed that corporate has no email or phone number for me to contact and keep getting the runaround about waiting for email to come in 20 hours that I never received I just want this off my credit report so I do not have hard inquiries for a car that was sold at an auction I voluntarily surrendered it back to the leasing company and they're continuing giving me the runaround when I'm requesting the bill of sale no has submitted me any documentation that the car was even sold or the amount of the car I never had the title I never had anything stating that the car was sold at an auction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I applied for a loan through Sofi on XX/XX/year> I was approved and the primary applicant signed the loan documents. when it came to me as the co-applicant to sign the documents for some reason, I was not able to access the documents. I troubleshoot it with several agents on several different occasions in order to try to get this resolved, but no one was able to resolve this for me, and I kept getting the runaround still to this very moment. I am unable to access the loan documents, which is preventing me from getting the funding for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I noticed a transaction pending on my checking acct for a merchant in XXXX XXXX saying I bought something for {$100000.00} through Paypal. I did not do this, and have never heard of this company. I contacted Paypal about this, and they replied that they made the decision that this WAS authorized. It was not.

Company response to consumer: Closed with monetary relief