vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am a consumer with a XXXX XXXX ( XXXX ) requesting a reasonable accommodation to discuss hardship options in writing. Despite a written apology from an XXXX ( XXXX XXXX ) for previous phone-based harassment, the bank has failed to provide a functional accommodation. They directed me to a 'Live Chat ' feature that is consistently unavailable ( I have screenshots of the failure ) and explicitly stated they will only provide hardship assistance if I intentionally become delinquent on my payments. This policy forces a person with a disability to damage their credit score just to access an accessible intake process. I am seeking a direct, written channel to discuss proactive relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Synchrony bank forcefully closed my credit card account on their behalf. There actions of closing my credit card account have taken away my ability to log in online and view the account activity and make payments. I am no longer able to make payments or view account activity online due to them closing my account in XXXX. Synchrony bank is refusing to mail me my statements unless I pay a fee when I have no other way of receiving them. They allege that they have sent the statements via email but I have not received any via email. I have asked for proof such as a read receipt that I have received the alleged emails and they can not /will not provide any. I have asked for proof that the emails were sent and Synchrony bank can not /will not provide any. Synchrony bank is trying to extort money from me by forcing my account to be closed and then forcing me to pay to receive my statement. I made a payment on XX/XX/year> that should have been applied to the payment that was due for XXXX. However Synchrony bank is saying that was not the case. The payment I made on XX/XX/year> was applied to the XXXX payment. I have no way of viewing where my payments are going and what month they are being applied to. This will cause late and/or missing payments when I don't know what payment is being applied to what statement. This is another method Synchrony bank is using to attempt to extort money from me and apply late fees when a payment is not received because I have no way of knowing where my payments are being applied to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and my reasoning for submitting this claim today would be because about more than I would say six months ago I had somebody I thought was going to help me with a payment sent me a check for {$1000.00} me not knowing it was not official, I tried to deposit and it flagged my truest bank account and closed me for good so I've been without any bank accounts for less than a year and it's been really challenging trying to figure out how to go about this situation to get this flag taken off of my my name because every bank that I go to they don't really give me any solid information or guidance to be able to fix it until recently. I found online about the portal for consumer finance and so I would like to submit this claim so that someone can help me get this flag lifted off of my banks so that I may successfully go to any bank branch and open another savings and checking account. Thank you so much for your time. I appreciate your help. Hopefully this is something we can resolve. : )!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax allowed a collection account from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). ( Account # XXXX ) to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this to be added, and yet its there, damaging my credit. Ive already asked for validation from the collection agency by filing with the CFPB on XX/XX/year>, but they havent provided anything. No signed contract, no breakdown of the alleged balance, no proof of who even owns the debt or has the legal right to collect it. This completely violates 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says Im supposed to get proper verification when I ask for it. On top of that, I never even got a real chance to dispute this, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). And yet Equifax still reported this to my credit file as though its accurate. Thats not just unfair its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. Also, how can I even trust Equifax report when this same account isnt reported the same way by the other credit bureaus? Thats a major red flag. If the information isnt consistent across CRAs, then it clearly doesnt meet the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ). It makes me seriously question how Equifax verifies anything or if theyre just blindly accepting whatever gets submitted without checking with the consumer at all. At this point, I want this account permanently removed from my Equifax credit file. It was reported without consent, without verification, and without following proper procedures. Its causing damage that shouldnt be happening, and Equifax needs to be held accountable. This entire situation has been frustrating, stressful, and completely avoidable if they had just followed the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: CA

Complaint narrative:
I am writing to formally dispute a series of unauthorized withdrawals from my Direct Express account totaling {$1200.00}. These transactions are listed as being from " XXXX, '' yet XXXX has confirmed multiple times that they have no record of these charges in their system. Specifically, there have been multiple separate withdrawals of {$410.00}. Despite my efforts to resolve this through customer support, I have been repeatedly denied provisional credit. Furthermore, I am being told that I can not dispute the subsequent charges because they are for the same amount and from the same company as the first dispute, even though they are distinct, unauthorized transactions. This situation has left me in a life-threatening position. After my SSI deposit of {$1100.00}, these withdrawals have left my account over {$100.00} in the negative, leaving me unable to pay for food, housing, or basic hygiene. When I ask for clarification on why my balance is negative if only one transaction occurred, my concerns are not addressed. I am requesting an immediate investigation into these separate transactions and an investigation done on whomever is in control of the basic dispute process and refusing to do their job ; and I am requesting the issuance of provisional credit while this matter is being resolved. I have already contacted the merchant, and they have no record of these funds. I look forward to your immediate response and a resolution to this urgent matter. Thank you for your time, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
A secured loan was closed on XX/XX/year>, per the terms of the lender the lien was to be released after 10 days. It is now XX/XX/year> and the lien release has not been filed with my county recorders office. They are also refusing to communicate any further after filing a XXXX complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
List of transactions to start, this is a new account : XXXX : Purchase of {$57.00} XXXX Purchase {$110.00} XXXX Payment of {$57.00} XXXX Purchase {$100.00} XXXX Purchase {$31.00} XXXX Purchase {$250.00} XXXX Payment {$110.00} XXXX Purchase {$83.00} XXXX Purchase {$48.00} XXXX Payment {$250.00} XXXX Purchase {$130.00} XXXX Purchase {$490.00} XXXX Purchase {$5800.00} XXXX Purchase {$45.00} XXXX Payment {$490.00} XXXX Payment {$5800.00} ^^^This where the issue began^^^ After making my last payment of {$5800.00}, I had an available credit showing of {$1000.00}. I went to make another purchase for about {$450.00}, and was declined. I spoke with several employees at Comenity Bank/Bread Financial , and was told my card was " locked '' or " On Hold '', etc. The reason was that they are counting my PAYMENT as a TRANSACTION. I still show available credit, but am prevented from using my card. All of this transpired with NO NOTICE! Even with all available portals available to me, I do not show that my account is in any peril or status of being locked. Om top of that my payment was deducted from my bank on the XXXX, and as of this date ( XXXX ) I still can not use my card. This is a " rewards '' card and I use it to accumulate points when used at a particular car dealership. I find their business practices not only disrespectful, but I would say borderline fraudulent. The {$5800.00} of MY money is earning someone interest, but yet is not being applied to my account. At no time was I informed that paying my bill on or ahead of time would cause me to not be able to use my card. I ask that the CFPB investigate this company. In the time that I had this issue, I have found literally thousands of complaints lodged against this bank. I hope this complaint may be enough to make Comenity/Bread Financial change their awful policies and consider a better way to treat it's customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
This is a cease and Desist notice. Please take my name out your system .Delete from all credit bureaus. Do not contact me by any communication method ( email, Mail, fax, Telephone etc ). Do not sell this debt to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: WI

Complaint narrative:
I have repeatedly requested a reasonable accommodation for a communication disability ( XXXX ) to handle my account via email or secure messaging. Citis response was a form letter stating they need '15 days to research ' a basic accessibility request, while simultaneously directing me to a phone numberthe very barrier I am seeking to bypass. This administrative stalling prevents me from proactively managing my financial hardship. I am seeking immediate access to a written communication channel with a hardship specialist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander USA has reported my car on my credit report as " Repossessed '' and the car has not been repossessed and is still in my possession. When speaking with Santander, they have verbally advised me that my loan has been closed, and sent to collections. I've made several attempts to worked with Santander on numerous occasions without any success. They knew that I was unable to work when the loan went into default because I was off work due to an injury. Santander asked me to send in correspondence to support my injury and proof that I was going through a financial hardship, in which I obliged. Santander never responded, but instead closed the account and have been reporting a repossession to all 3 credit bureau and I would like to report this. Would also like to include the fact that they have charged me an irate amount of interest on an inflated auto loan. Please assist with having Santander report only correct information on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately This has caused me stress and emotional instability.

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
Halsted Financial Services LLC text me regarding a debt that I do not have with them. The company they are claiming to represent is XXXX XXXX. A letter was attached to a text for the amount of {$1000.00} in which I have never had a {$1000.00} credit limit. Attached is my credit report & the letter that was text to me. I do not authorize communication with them & request to delete any filing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
Purchase this vehicle I had a coupon from the government for {$3600.00} and they placed it towards the vehicle. They told me that I could trade the vehicle in 2 years no matter what was old the original price was XXXX but by the time they got through that you know taxes it was XXXX. But the XXXX XXXX value of the car is {$4000.00}. I've already paid 42 payments of 585 and they want 32 more which would make this vehicle over {$45000.00}. I have asked and surrendered a vehicle because the vehicle is too much and they have refuse to come and get it or even schedule they're trying to stop me for another 14 days. They did not keep their agreement originally from XXXX XXXX XXXX to trade after 2 years they told me they couldn't because the stock market Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: IL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I am a former TD Bank customer ( Account ending in 2006 ) currently residing permanently in XXXX. My TD Bank account was recently closed, and the remaining balance was issued as a cashier 's check to my last known XXXX address on file. Because I am out of the country, I can not access this mail and the check is at risk of being lost or intercepted. I contacted the issuing branch ( XXXX XXXX, FL ) to request a XXXX XXXX on the check and to arrange an international wire transfer for my funds. The branch informed me that they absolutely will not place a stop payment or release my funds unless I appear in person at the branch in Florida. I explained that I am an international resident and flying to the US simply to cancel a check is impossible. The branch refused to offer any remote accommodation. By demanding an impossible physical appearance, TD Bank is effectively withholding my funds indefinitely. I am requesting that TD Bank 's XXXX Resolution team contact me to arrange a remote verification process so a stop payment can be placed and my remaining balance can be wired to my current bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Banks blacklisted me and unable to get credit cards that I qualify for with good credit scored.. I am getting denied no matter what credit card i apply for.

Company response to consumer: Closed with explanation