vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I sent a written request for debt validation to this company via both email and mail. I requested full validation of the alleged debt, including the original contract, payment history, and proof of their legal authority to collect. The company has completely failed to respond to my request and has not provided any validation whatsoever. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must cease collection activities until proper validation is provided. Despite this, the account continues to be reported on my credit report. Reporting a debt without validating it after a formal request is a violation and results in inaccurate credit reporting. I am requesting immediate deletion of this account from all credit reporting agencies and confirmation that collection activity has ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: MI

Complaint narrative:
I am filing a complaint regarding my banks handling of a dispute involving deceptive and misrepresented services. I authorized transactions totaling {$430.00} for a digital product advertised as a system to generate income through a XXXX second internet method. These claims were materially misleading. After purchase, the product did not provide anything resembling what was advertised. There was no income-generating system, no access to earnings, and the content consisted primarily of upsells unrelated to the claims made at the time of purchase. The seller also failed to honor a clearly stated XXXX refund policy despite my request within that timeframe. I submitted a dispute to my bank under the basis of misrepresentation and services not rendered as described. However, my claim was denied solely on the basis that the transaction was authorized. This response fails to address the actual issue. My dispute is not about authorization, but about the failure of the merchant to deliver the promised service and the banks failure to properly investigate this claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We are submitting this complaint regarding serious servicing errors related to our mortgage loan, including misapplied payments, improper reversals, and an incorrect default status following a servicing transfer from XXXX XXXX to Truist. Payments were consistently made in good faith to XXXX XXXX. However, we began to identify issues where payments appeared to be misapplied and not properly credited to our loan. As a result of these servicing concerns, we disputed certain transactions through our bank in order to correct what we believed to be accounting errors. Truist has since stated that these disputed payments were reversed and returned to the prior servicer, and that this resulted in our loan being placed in default as of XXXX XXXX, 2026. However, this conclusion is based on an incomplete and inaccurate accounting of the loan. The transaction history provided by Truist shows extensive payment reversals, funds being placed into suspense, and bulk reposting of transactions rather than a clear, payment-by-payment reconciliation. This raises serious concerns regarding the accuracy and integrity of the loan accounting. We dispute the current default status. Payments were made, and any disputes were initiated due to servicing issues not because payments were not owed. The current balance does not reflect a proper reconciliation of all payments made. Despite raising these concerns, Truist has not provided a complete life-of-loan accounting, documentation supporting each reversal, or a clear explanation of how the loan was recalculated following the disputes and transfer. Additionally, Truist has indicated that they can not pause credit reporting, which is concerning given that the account is actively disputed and under investigation. We received the XXXX letters attched from Truist in an email today from XXXX today. Additional supporting documentation, including bank records confirming payment transmissions, has been requested and by us at our bank and we will be submitted upon receipt.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that YOU, the credit reporting agency to immediately block and permanently remove the fraudulent accounts that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint XXXX ). It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights. This fraudulent, inaccurate, and false information consists of Accounts : ( ONLINE INFORMATION XXXX, ACCT : XXXX XXXX, OPENED : XXXX2026 ).

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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I have requested to know the recipient of large sums of money totaling over {$300000.00} with in XXXX time period of a deceased person. This was done out of his account as an online transfer. Im the court appointed Executor and was already approved by First Horizon as such. The party that was a Power of Attorney while he was alive continued to have illegally take control of his bank account continuing to write checks without authorization. This was done in a small town where everyone knows her and appears to be protecting her. A fraud case was submitted a month ago but no word if its active and no word about what is being done. I was told the money is going to another First Horizon client and it appears they are trying to protect their business interest vs being transparent about who it is. I requested all the funds be returned and again no one is confirming this will be done. I have the right to know where this large sum of money is going. Besides over XXXX checks again large sums of money have been written since he died not going to things that were for him. There should have been no activity the moment he died.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Refinanced loan, cancel extended warranty in XXXX Warranty department confirmed it was canceled as well. Called santander consumer, they've been telling me since getting it canceled its still showing active. That i need to contact dealership and get them to reach out to warranty and get it canceled. I keep stating its been canceled i don't know how its still showing active. I've gotten check number a copy of check and everything which check was mailed to their overnight departure XX/XX/XXXX. Everytime I call a different agent a different lie all the way to supervisor. I wouldn't recommend anyone to this company. Nothing is up to date in they're system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have XXXX XXXX XXXX XXXX Accounts with XXXX and randomly found that my accounts were frozen while trying to withdraw funds. I never received a notification through my online account, email or phone that the account was frozen. I called them, was informed that they needed XXXX months worth of statements from my external institution to confirm that the money I had transferred in to open the accounts came from my own bank account and was established. This information was provided to them almost XXXX weeks ago. I was told it would take XXXX business days to process. After this time period passed, I called them and asked for a status update and was told the issue was escalated and would be reviewed within three days. A few days later, I reached out again and was told that wait times were too long and to call back another day. A week after I was told it was escalated the first time, I called again and was told to be patient, it was being reviewed, and was being escalated and would be resolved within XXXX hours. That was last week. They will not provide me with additional information. They will not allow me to speak to a supervisor. It has been six weeks that they have been holding onto {$46000.00} despite being provided with the requested documentation and no one can tell me why or what the timeline is for the funds to be released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC Keeps calling me daily after I said to please stop under my legal rights this company calls me non stop once a day or twice sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: Self Financial Inc.
State: MD

Complaint narrative:
Self failed to properly investigate and resolve unauthorized and disputed charges on my Self card account. I deposited {$500.00} to build my credit. I later found XXXX charges of {$7.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX charges of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; and XXXX XXXX charges of {$100.00} each on XX/XX/XXXX. I canceled the XXXX plans on XX/XX/XXXX and requested a refund, but XXXX told me to contact XXXX and I got no resolution. I then disputed the charges with Self and submitted evidence, but Self refused to correct the account. Charges also continued after I reported the problem and requested another card. I believe Self violated the Electronic Fund Transfer Act and Regulation E, including 15 U.S.C. 1693f and 1693g and 12 C.F.R. 1005.6, 1005.10, 1005.11, and 1005.18, by failing to properly investigate, failing to provide a valid written basis for denial, and failing to stop or correct unauthorized transfers. I want a full refund of all disputed charges, a written explanation of Selfs investigation, copies of all documents relied on, and confirmation that no further charges will be allowed. It wasn't until I told the XXXX XXXX that I was going to file a complaint against them they decided to cancell the account on XX/XX/XXXX without giving me aa refund because I paid for a year for each chrage of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Firstly getting a card I was told my credit was frozen but it wasnt. Months later I got the card was given a virtual apple wallet card with limited access. My transaction was declined. I responded to the text but when I went to act it be physical cards I was blacked after XXXX reps it was cleared but the fact that I even had to go through all this is wild. I tried to submit complaint I got a response that didnt match my complaint.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized tow of my XXXX XXXX Model XXXX ( plate XXXX XXXX ) with no pre-tow written disclosure or authorization, violating XXXX ILCS XXXX. The contract is null and void. Vehicle was held XXXX months, moved multiple times without notice, backdated receipt presentedXX/XX/XXXX days late. Operators demanded $ XXXX $ XXXX ransom or $ XXXX storage. XXXX XXXX # XXXX has no valid XXXX XXXX registration. These are the same XXXX XXXX XXXX in XXXX ( XXXX ) and XXXX ( State of Illinois ) for identical fraud. Chase continues to bill XXXX ( XX/XX/XXXX payment due ) and enforce the invalid lien despite multiple written disputes, demand letters, ICC complaint, and replevin filing. I have paid ~ {$4000.00} since XXXX with no possession/access of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: MD

Complaint narrative:
I am filing this complaint regarding an auto loan financed through Global Lending Services that resulted from a deceptive vehicle sale. On or about XX/XX/XXXX, I purchased a XXXX XXXX F-Pace from a dealership operating asXX/XX/XXXXXXXX XXXX XXXX, Virginia. Shortly after the purchase, the vehicle began experiencing serious mechanical issues, including engine-related problems that resulted in repair estimates exceeding {$20000.00}. These issues were not disclosed at the time of sale. I attempted to contact the dealership multiple times regarding the condition of the vehicle and issues with registration and tags, but I was unable to reach them. The dealership later appeared to be permanently closed. I have since discovered that the same dealership is continuing to operate under a different name, XXXX XXXX XXXX, indicating a pattern of deceptive business practices and attempts to avoid responsibility. Due to the condition of the vehicle and lack of resolution, the account ultimately resulted in repossession, leaving a deficiency balance that I dispute. This balance is directly tied to a transaction involving a defective vehicle and deceptive conduct by the dealership. I have requested validation of the debt, including a full breakdown of the deficiency balance, fees, and documentation supporting the charges, but this information has not been properly provided. I have filed a formal complaint with the Virginia Attorney General ( Complaint # XXXX ) regarding the dealerships conduct. Given that this loan is directly connected to a deceptive and potentially fraudulent transaction, I am requesting : - A full investigation into this account and the associated dealership - Validation and documentation of all charges and fees - Suspension of any collection activity during the investigation - Consideration for reduction or removal of the deficiency balance This situation has caused significant financial harm, and I am requesting a fair and thorough review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i try to open a bank account in XXXX XXXX XXXX bank and they denied to open because bank of america have a froud under my name couple years ago and i didtn know about that i reporting this bank of america froud to a dispute because i never consent anything no activity at all in bank of america and they close my account with out my consent they just decide to close my account because they saw something in my account ... and i dont know anything about the fraud yet

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: SC

Complaint narrative:
I dont have a contract with Hunters Warfield Collection in the amount of {$5900.00}. Under FCRA623 and FDCPA 15USC code 1681b ; Im requesting this account be removed due to no verified contract or legal reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I sent {$600.00} through XXXX from my U.S. Bank account to a recipient using phone number. The transaction was marked as completed, and the funds were withdrawn from my account. However, the recipient confirmed that they did not receive the funds. They contacted their bank and were informed that no XXXX deposit was received on their end. I contacted U.S. Bank to report the issue and was instructed to file a dispute on XX/XX/year>. I followed their instructions and submitted a dispute regarding this transaction. At that time, I was informed that I would receive an update within approximately 10 days. Since then, I have followed up multiple times both by visiting the bank in person and calling customer service. Each time, I was told that the transaction appeared successful on their end, but no clear explanation has been provided as to where the funds were actually delivered. As of XX/XX/year>, I have not received any written response, resolution, or update regarding my dispute. The funds remain missing, and the recipient still confirms that they have not received the 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 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am reporting a duplicate collection entry on my credit report. A utility debt was sold to a new agency, but both the original collector and the new agency are reporting an active balance. This 'double-hit ' is an inaccurate representation of my debt. I am requesting that the duplicate entry be removed and that the reporting reflect only one accurate account of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my credit report and found that the account listed below is reporting inaccurate and incomplete information. I sent a formal dispute requesting verification of this account, including verifiable proof such as the original signed consumer contract. The account is damaging my creditworthiness and my ability to obtain credit. I requested that the company verify the account through proper documentation or update/remove the inaccurate information in accordance with the Fair Credit Reporting Act. Additionally, my credit file contains inquiries that were not authorized or are not related to active credit accounts. I also requested promotional suppression to prevent unnecessary access to my credit file. I am filing this complaint because the inaccurate reporting has not been properly resolved and I want the company to provide proper verification or correct the information being reported.

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