vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was wondering what happened to my Bank of America card and when I called to check my balance, they said my balance was XXXX so I asked what address did they send the card to and they said XXXX XXXX XXXX, XXXX XXXX California XXXX and I said thats not my address never has been and I dont know anyone on that street so they had me come into the Bank of America branch on XXXX XXXX and show proof of identity with two forms of ID and I actually did that twice. Then they stated I need to call EDD and have them to remove the block from my funds so that Bank of America can issue me out a check for my funds And they also told me about the transactions and how they at some point asked whoever was using my card to come in and show proof of identity and the person never came.

My California EDD-linked Bank of America Visa debit card was fraudulently intercepted and sent to an unauthorized address. The fraudster withdrew and spent approximately {$27000.00}, taking my funds twice. 
Bank of America has acknowledged the fraud and approved reimbursement, but is refusing to release the funds due to an alleged EDD block. 

I have contacted EDD more than ( 7x ) seven times, and EDD has confirmed REPEATEDLY that NO BENEFITS BLOCK EXISTS ON MY ACCOUNT.

This appears to be a payment-level restriction or inter-agency hold that Bank of America has failed to resolve. Bank of America is unlawfully withholding approved funds and failing to coordinate with EDD to clear the restriction. 

I am requesting immediate release of my approved fraud reimbursement or written proof of the exact restriction preventing payment.

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 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: MA

Complaint narrative:
I am submitting this complaint regarding inaccurate late-payment information furnished by Western Funding Inc. for account number XXXX. Western Funding is reporting a late payment for XX/XX/year>, and I am disputing the accuracy of this information due to a lack of clear verification and internal confirmation. 

I have formally requested confirmation of whether the reported late-payment status for XX/XX/year> aligns with Western Fundings internal payment records. Specifically, I requested clarification regarding how the alleged delinquency was calculated in relation to the account balance, payment activity, and account status at that time. To date, this information has not been adequately explained or substantiated.

Under the Fair Credit Reporting Act, furnishers of information are required to report information that is accurate, complete, and capable of being verified. Reporting a late payment without clearly demonstrating how the delinquency was determined or reconciled with internal account records raises serious
concerns regarding the accuracy of the data being furnished to consumer reporting agencies.

I am disputing the late-payment notation for XX/XX/year> and requesting that Western Funding conduct a lawful investigation into the accuracy of the information being reported. If Western Funding maintains that the late payment is accurate, I request a detailed explanation of how the delinquency was calculated, including reference to internal payment records and account status for the disputed period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/2025 Cashapp allowed {$1400.00} to get used out of my account. All unauthorized. And the cash app representative walk me through the process to do both disputes equaling up to {$1400.00} on the same day I answered them the same way and only one of them was processed while the other was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
AmeriHome reassured me that the first half tax bill on my property was going to be paid. The service representative from their Tax Department reassured me that I am not responsible and AmeriHome will pay the tax bill along with the Penalty and Interest on the parcel, and come the day the tax bill is due on XX/XX/XXXX, it was not paid for. I called again and the next representative reassured me that AmeriHome will pay for the delinquent amount including the Penalty and Interest, and now XX/XX/XXXX where additional penalties apply, they still have not paid for it. I called and the 3rd representative told me that AmeriHome will not pay for the delinquent tax bill. These calls are recorded and yet they can not follow up on their promises, I have even asked the representative who told me they escalated to a manager and reassured that they will pay for the delinquent bill that they will in fact pay the amount, and that they are responsible. She noted that they can't send any proof but they have in their notes that AmeriHome is responsible and will pay for it. The last update now is that they will not be paying for it. They even put a date for XX/XX/XXXX that the " research '' for who will pay for this will be determined, even though they already told me that AmeriHome will be responsible for making the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: DISCOVER BANK
State: PA

Complaint narrative:
I have been dealing with this Discover Credit Card for over six months now and it has been the worst experience I have ever dealt with not only was this. The first time Ive ever had fraudulent charges, but I not only was initially helped and they were proving fraud, but then later denied or whenever the account went over to a new account that charges that were once credited were reversed and then duplicated twice so there were transfer balance charges XXXX times for each transaction so now my car is sitting over by {$10000.00} and I am going to go bankrupt and its a ruining my credit and no one is able to help me and no one is able to take the Balance transfers off. I need help immediately and I dont understand why this is so hard because the charges were in fact fraudulent and I had a police report and everything so I dont know what else I need to do to get help and I will never ever ever ever use Discover Credit Card ever again after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am the account holder for a Capital One banking account. I currently reside outside the United States and have done so for over two years. 
My U.S. mailing address on file in Illinois is valid for correspondence. I am not requesting any change to account ownership or identity. 
Capital One has taken actions affecting my account and/or access to my funds that require clarification and correction. However, Capital One has removed or made unavailable any secure written communication channel for banking customers and insists on phone-only contact. 
Phone access is unreliable from my location overseas, making it impractical to resolve account issues by telephone. I am requesting that Capital One provide written communication and resolve this matter without requiring phone contact. 
I am seeking a written explanation of the issue affecting my account and appropriate corrective action, communicated through a secure written channel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accuracy of information currently being reported on my credit file. The inclusion of this information indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy of the consumer reports you publish, as required by the Fair Credit Reporting Act ( FCRA ). 

Federal credit reporting laws require that consumer reporting agencies report only information that is complete, accurate, and verifiable. Every reasonable step must be taken to ensure the accuracy and correctness of the information being furnished and reported. 

Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required to verify disputed accounts by confirming their validity through proper documentation. If an account can not be verified, it must not be reported. Failure to adequately verify accounts allows inaccurate or fraudulent information to appear on consumer credit reports.

The continued reporting of these unverifiable accounts has negatively impacted my ability to obtain credit. In accordance with the FCRA, any account that can not be properly verified must be removed from my credit file. I am requesting that these accounts be deleted 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 2026-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I submitted a complaint regarding two accounts reported by LVNV Funding LLC ( original creditors : XXXX and XXXX ). I never received proper written notice of these debts as required under FDCPA 809 ( b ), including my right to dispute the debts within 30 days.

LVNV/Resurgent responded on XX/XX/XXXX by providing only account summaries, refusing to provide the purchase/assignment agreements or signed contracts proving legal ownership of the debts. These summaries do not include sufficient information to verify the debts, so I can not confirm that LVNV has the legal right to collect them.

The accounts continue to be reported on my credit reports, even though proper validation has not been provided. I am requesting that LVNV : Fully comply with FDCPA 809 ( b ) and provide proper documentation Cease reporting until complete validation is provided Correct my credit reports if they can not provide proper validation Key dates and actions : XX/XX/XXXX : Submitted initial CFPB complaint requesting debt validation XX/XX/XXXX : LVNV/Resurgent responded with account summaries only XX/XX/XXXX : Accounts remain on credit reports flagged as disputed I have attached supporting documentation, including LVNV/Resurgent responses, account summaries, and credit report screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was told by Navy Federal that I qualified for a loan modification and I was being sent one and then would be allowed to resume making payments. They did not modify the loan. The va loan representative said they did not have a sheriff sale date. That isn't the case as it's scheduled for the XXXX. This is discrimination based on my XXXX. I am a XXXX veteran with severe XXXX. 
I thought they accepted the loan modification but they lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
b"I initiated a case - ticket number XXXX - with Incomm Payments Dispute Resolution Team on December 16, 2025. I had received a Visa Gift Card promoted by Vanilla and issued by XXXX XXXX with $50 value, as a present a while ago. Gift card number is XXXX XXXX XXXX XXXX. Since I hadn't had a need to use it, and since the card cover mentioned that the value never expires, I placed it aside for future use. \nLast month, I decided to go ahead and use the card for a purchase and it was declined. I followed the instructions on the card and learned that I have a zero dollar balance on it. The card was unopened until last month, and was seemingly unaltered. I reached out to Incomm Payments Dispute Resolution for them to fix the issue. However, they responded saying there is nothing they can to do give access to my entitled funds. Per their automated phone system, the card was supposedly used at a XXXX  store over a year ago. \nI see myself as the innocent victim of a gift card fraud, and the institution issuing the card is not resolving the matter. XXXX XXXXs not a large amount, but it's the principal that matters. If I am holding a card that states 'Card funds never expire', I should not be held responsible for inspecting the balance on the card until I am ready to use it. I noticed that whoever gifted me this card has paid a $5.95 fee to purchase it. I am assuming part of this amount was collected as insurance coverage against fraud, but I don't know. \nAll I want is the ability to use the XXXX value on the card to which I am entitled to. I appreciate your support in helping me resolve this matter."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: GFS II, LLC
State: MI

Complaint narrative:
In XX/XX/year>, a vehicle was repossessed by an auto finance company following financial hardship related to unemployment and housing instability. The repossession occurred on XX/XX/year>. 

After the repossession, assistance was obtained through a state workforce agency, and a redemption payment of {$4000.00} was made to the lender on XX/XX/year> for the purpose of redeeming and recovering the vehicle. 

Despite accepting the redemption payment, the lender failed to return the vehicle within a reasonable timeframe. Instead, the vehicle was transported approximately 80 miles away to another location, creating additional hardship and expense. Subsequently, it was disclosed by a third-party facility that the repossession agent had lost the vehicle keys and damaged the ignition, rendering the vehicle inoperable. This material damage and loss were not disclosed prior to acceptance of payment. 

Following the repossession and redemption payment, the lender failed to provide legally required post-repossession notices and disclosures, including but not limited to : Notice of repossession and right to cure Notice of disposition or intent to sell Proof of a commercially reasonable sale Final accounting or explanation of any alleged remaining balance Despite the absence of required notices and documentation, the lender has continued to : Demand payments and pursue collection activity Furnish negative credit information to consumer reporting agencies Represent that a balance is owed without providing a verifiable accounting The lender continues collection and credit reporting activity while retaining possession of the vehicle and after materially altering its condition, creating an inaccurate and misleading representation of the alleged obligation. 

Attempts to resolve this matter directly with the lender have been unsuccessful. The conduct described raises serious concerns regarding post-repossession compliance, unfair or deceptive practices, improper credit reporting, and ongoing collection without lawful substantiation. 

I am requesting that the CFPB review this matter for compliance with applicable federal consumer protection laws and regulations. I am seeking full corrective action, including correction or deletion of inaccurate credit reporting, cessation of improper collection activity, and any other relief available under applicable law. I am preserving all rights to pursue statutory, actual, and punitive damages to the fullest extent permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, my Care credit payment was due on Saturday. When I tried paying online on XX/XX/XXXX { Sunday }, Care credit 's system was unavailable, and I was locked out of making a payment through Synchrony Bank. I then attempted to pay using their automated phone system " XXXX ', but the system repeatedly claimed to be down. After multiple attempts, i was finally able to make a {$30.00} payment through XXXX, which was processed on XX/XX/XXXX { Monday }. Despite paying on time, Care credit flagged my account as late Their {$40.00} late fee would have exceeded my minimum payment, which is predatory. I secured a receipt and reference number as proof of payment, but Care credit system failures and lack of grace for weekend payments created unnecessary stress and risk of unfair fees. This is unacceptable, Care credit should account for weekend processing delays and system outages, just as other billing systems [ like my rent ] do .Their practices are designed to trap consumers into late fees, even when payments are made as soon as possible.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Just an update to my complaint with the FTC and complaint with CFPB. I didn't add in the wrong information about a bankruptcy. It has been over 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
For nearly one month, I have been attempting to transfer a substantial amount of moneyapproximately USD XXXX my Citibank account to another account held in my name at XXXX XXXX XXXX  XXXX 

The destination account is a pooled account, and, as instructed by my relationship manager at XXXX XXXX, I included my full name and specific account number in the transaction remarks to ensure proper allocation of the funds. 

To initiate the transfer, I have used all the required and correct banking information, including the beneficiary bank name, account number, ABA routing number, and SWIFT code. 

Despite this, every attempt to execute the transfer through Citibanks online platform fails. The system consistently returns an error stating that the beneficiary account number ( the pooled account ) is invalid, preventing the transaction from being completed. 

Furthermore, even when I attempt to use my direct individual account number at XXXX XXXX XXXX, Citibanks system again indicates that the account number is invalid, making the transfer impossible in any configuration. 

As a result of this ongoing issue, I have suffered financial losses, as I have been unable to move my funds, make planned investments, or meet required financial obligations in a timely manner. 

I have escalated this matter to Citibank on multiple occasions, without success. My Citibank account manager, XXXX XXXX XXXX, has been unable to resolve the issue, and to date I have received no concrete feedback or explanation regarding the alleged technical glitches that continue to prevent the transfer of my funds. 

Given Citibanks failure to resolve this matter after repeated attempts, I am now requesting the assistance of the Consumer Financial Protection Bureau so that this issue can be properly addressed and I can finally transfer my funds out of Citibank. 

All relevant documentation and evidence supporting this complaint are attached for your review. 

Yours sincerely, 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 2026-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld Systems Inc. is reporting a {$7000.00} collection account on my XXXX  credit report allegedly owed to XXXX XXXX XXXX XXXX XXXX. I formally disputed this debt and requested validation in writing. 

I mailed a certified documentation request to XXXX XXXX XXXX XXXX ( the propertys management company ) requesting a signed lease, itemized charges, move-out statements, and proof of assignment to Transworld Systems XXXX 

To date, no valid documentation has been provided establishing that I am legally responsible for this debt. Despite this, Transworld Systems continues to report the account as verified. 

This appears to be a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that Transworld Systems be required to either provide full validation or delete this account from all credit reporting agencies. 



They gave me no response after 30 days, even when I sent out certified mail to all credit bureaus. 
Including the main company ( Transworld Systems Inc. ) I also would like to file a second complaint naming ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation