vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
There was fraud committed on my account on XX/XX/year>. The fraud was involved in two checks XXXX for {$8200.00} and the other for {$9700.00}. I filed a claim to Truist also filled out an affidavit and got it notarized. Its been 10 days Truist havent provided any information or any provisional credit. This is causing my business to go in the ground.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
My business bank account was charged 6 times in XXXX by AFFIRM XXXX for the same amount of {$180.00} on XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXXXXXX I do not recall authorizing these recurring payments and I do not know what merchant or purchase they relate to. My bank told me it would not dispute the charges because more than 60 days had passed, and directed me to contact Affirm. I contacted Affirm, but they have not been helpful and have not identified the underlying merchant, purchase, account, or authorization tied to these debits. I am requesting that Affirm identify the actual merchant/company that initiated these charges, provide the transaction details and proof of authorization, including the name of the merchant, date of purchase, delivery or billing information, and the account or loan associated with these payments. If these charges were unauthorized, I request reimbursement. I am specifically requesting the merchant name, transaction/loan number, method of authorization, and any documents showing that I authorized these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am disputing a Bank of America account that is the result of identity theft. I submitted a valid identity theft report, including an FTC affidavit and police report, identifying this account as fraudulent. Despite this, Bank of America continues to report the account and has failed to provide any documentation proving that I opened or authorized it. I requested full verification, including a signed application, contract, transaction history, and method of verification. Bank of America has not provided any of this information. Instead, they continue to furnish inaccurate information to credit reporting agencies, causing ongoing harm to my credit. This constitutes violations of : * FCRA 623 ( failure to report accurate information ) * Failure to conduct a reasonable investigation

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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Called company and set up payment arrangement to pay off debt. Debt was paid on XX/XX/year>. I was told the account would be removed from credit report, but this is not what happened. Account was updated instead of removed as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
FTC Identity Theft Complaint Summary I believe I am the victim of identity theft involving an alleged credit account with Capital One. I have checked all my email addresses, and I am not able to locate any emails regarding a Capital One account. Additionally, the account referenced in the lawsuit is not in my correct legal full name. I consistently use my full legal name for all financial matters, which raises further concern that this account was fraudulently opened by another individual. The statement attached to the Statement of Claim indicates that the account is a QuickSilver Card ; however, the card number is redacted and there are no other identifying details tying this account to me. I recently received a Summons and Statement of Claim alleging that I owe {$4100.00} on this account, with an interest rate of 32.24 %. A pretrial conference has been scheduled for XX/XX/XXXX. I dispute this debt in its entirety. I did not open, authorize, or benefit from this account, and I believe it was created using my identity without my knowledge or consent. I also sent a written dispute and validation request pursuant to the Fair Debt Collection Practices Act on XX/XX/XXXX, via certified mail, and I am currently awaiting a response. I am requesting that this matter be investigated as identity theft and that any fraudulent account or related debt be removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I have student loans with Aidvantage. I went to school for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I was on track to XXXX until the school closed before i could enter my last quarter of my " senior '' year. They offered teach out programs but they were all 3x the amount of schooling than what i had left at XXXX since the credits didn't carry over completely. The degrees that were offered were also lower end degrees that weren't close to the degree i wanted initially from XXXX. They were also extremely more expensive at the same rate. So i didn't attend the teach out program and decided to start fresh by applying for loan forgiveness. I filled out all the paperwork and faxed + emailed to aidvantage exactly how they asked me to. I was fully eligible. They didn't deny me at first. Instead, twice they mailed me back saying that my form wasn't filled out completely and to reapply. So i sat down with a few smart businessmen and filled out again. They sent back the same message. So i contacted them and asked what the issue with my form was. When i navigated through the automated system over the phone for Aidvantage going through the loan forgiveness part, the line would ring and then just hangup. It was impossible to get into contact with them. I decided to go a completely seperate route on the automated system by asking to talk to representative about something entirely different/less important. I got right in and they transfered me to someone on the forgiveness side of things. They gave me some nonsense reason of why my form was filled out incorrrectly and asked me to send again. So i sent the same exact form i sent before and they actually took it into their system. I assume so because I never recieved that feedback like before. Months later, i contacted Student Aid and get them involved. I opened up a case and they made me believe that they were on top of it. They asked for all kinds of information and i gave them everything and more. The case was strong at first and it dwindled to nothing and " failed ''. Then, my credit plumited because they put all my accounts in default. That was the only thing student aid was able to accomplish was restore my credit history. I have complained to everyone under the sun and it seems to not have gotten through anywhere. I can not express how stressful and irritating this porcess has been. It has been coming up on two and a half years now and nothing has been done. It seems to me they are just trying to stall me out until i give up which will not happen. I do not want to pay {$16000.00} for schooling i was not able to finish and pretty much thrown to the curb. I have my loans on a forebearance at the moment until the end of this year " XXXX ''. If anyone can help solve my issues that would be much appreciated. I do not want to dump money into a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
JEFFERSON CAPITAL SYS IS REPORTING AN ACCOUNT ON MY CREDIT THAT I AM UNAWARE OF - I HAVE REACHED OUT TO THE COMPANY BUT HAVE NOT HEARD BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
This complaint is different, code title 15 USC 1605 does not define a down payment which I did not want and had no choice but to be forced to give a down payment because of my job. Exeter says they dont have to honor any type of settlement, a financial charge is not the same as a down payment. Just because it is disclosed in contract does not mean it is a financial charge because a down payment is not the same as financial charge. In fact does Exeter define everyone in their criteria as down payment customers? In order for it to be considered fair credit to all your customers as you say customer satisfaction do you offer the same fair credit to everyone by making everyone pay a down payment? Another thing Exeter told me over the phone when I asked for a copy of the pay off amount because I thought I had someone to buy my car and they said I would not need to sign anything for them to transfer the title or anything for that matter over to anyone else, my evidence, the review of Exeter harassing customers including my mom and threatening customers to having customers having missing items from their car being stolen. By making a illegal statement also breaches contract saying you could sign something over without my permission while being under contract voids contract and Exeter therefore is required to honor any type of settlement I offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — FHA 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: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
We are currently two payments behind on our mortgage and experiencing financial hardship due to serious issues with our home that have made it uninhabitable. We have been forced to relocate based on concerns for our childrens health and recommendations from medical professionals, which has resulted in significant additional living expenses. We are also incurring additional expenses related to temporary housing, legal matters, and medical expenses and are unable to afford any mortgage payment at this time. As a result, we are unable to make our mortgage payments at this time. We contacted our mortgage servicer, PennyMac, to request assistance. It took 30 days to get a response. We were told that forbearance is only available if we are unemployed. We are not unemployed, but we are still experiencing a legitimate financial hardship and are unable to make any payment. This response does not appear to reflect a full evaluation of our hardship or all available FHA loss mitigation options. We are requesting that our situation be properly reviewed and that we be considered for all available hardship options, including forbearance, based on our inability to pay. We are seeking a clear explanation of what options we qualify for and why, and we request that our case be escalated for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a {$17000.00} check issued by XXXX XXXX representing a XXXX refund from an auto loan repossession. The issuing loan has been fully satisfied, and the funds are legitimate and verifiable. Bank of America has placed a hold on the funds and has refused to escalate or review availability, despite the ability to verify the check with the issuing bank. These funds are urgently needed to secure housing, and the refusal to review or expedite availability is causing significant hardship. I am requesting immediate review of the hold and expedited release of funds upon verification with 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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
On XX/XX/year>, I opened an account with XXXX to purchase and store cryptocurrency. I deposited funds to establish the account and began making cryptocurrency purchases through their platform. Throughout the month of XXXX, I continued to invest without issue. However, on XX/XX/year>, my account was suddenly frozen without any explanation. Since that time, I have submitted numerous customer support inquiries requesting clarification and assistance. I have also complied with multiple verification requests from XXXX. Despite my repeated efforts, I have received no substantive response or resolution. Additionally, I opened a XXXX credit card, which was subsequently frozen as a result of the issues with my trading account, even though the card currently reflects a XXXX balance. This has compounded the inconvenience and disruption caused by the account freeze. At this point, I am extremely frustrated and concerned. I am unable to access or withdraw my funds, and XXXX does not provide a direct customer service contact for immediate assistance. The lack of communication and transparency is unacceptable, particularly given that my financial assets are being held on their platform. I respectfully request the following : Immediate clarification as to why my account was frozen. Prompt restoration of full access to my account, or The ability to withdraw all funds currently held in my account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting a complaint regarding the reporting of a 30-day late payment for XX/XX/year>XXXX on my credit card account with Navy Federal Credit Union . This late payment represents a single, isolated incident on an otherwise consistently positive account history. My account is currently open, in good standing, and has remained current with on-time payments since that time. I contacted Navy Federal directly to request a goodwill adjustment and a second-level review of my account history. Although my request was escalated, I received a denial with a general explanation that accurate information can not be changed, without meaningful evaluation of my overall payment history or the isolated nature of this incident. I am not disputing ownership of the account, but I am requesting a fair and reasonable re-evaluation of this reporting. Given my otherwise strong payment history and continued positive account standing, I believe this situation warrants discretionary consideration. I am requesting that Navy Federal either remove the reported late payment as a goodwill adjustment or ensure that all aspects of this accounts reporting are fully accurate, complete, and consistent across all credit reporting agencies. I value my relationship with Navy Federal and am working to maintain a strong credit profile for future financial goals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FRA ) Please investigate the following accounts XXXX LXXXX XXXX XXXX XXXX ( no account number reflecting account ) The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or before XX/XX/year>, I noticed that my credit card ( US Bank ) was removed from my digital wallets ( from my phone, watch ). I called to US Bank customer service to figure out the reason behind it. Their XXXX department said they need signature card from the external checking account ( XXXX Bank ) where I made payment from and will remove hold or reopen the account once they receive and review the signature card ( that the checking account is owned by myself ). I created joint checking/savings account with my wife at XXXX just because we thought it would be great to have joint accounts, also US Bank previously blocked my credit card because my wife made credit card payments from her solely owned XXXX of XXXX account XXXX So I sent signature card that I received from XXXX and faxed them at XXXX. Today ( XX/XX/year> ) I noticed that my account information was unavailable on the US Bank App, so I called them again. Took me about 2 hours to be able to connect to the verification department. All they said was they did not receive the document, all I can do is re send the document through fax. I told them to double check the document whether they received it or not, but they said they dont know because the document is in office but the representatives are not in office. They ignored my attempt to recover my account status, ignored my fax and closed my account no matter what.

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 2026-04-13 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: LoanCare, LLC
State: VA

Complaint narrative:
I have been on a forbearance from XX/XX/XXXXXXXX to XX/XX/XXXX, after completing the forebearance I requested assistance from LoanCare, emailed them the requested documents on XX/XX/XXXX, called again for an update mid XXXX, they had the documents but they were not reviewed but foreclosure was suspended, called today XX/XX/XXXXXXXX and no review had been done and no documents shown on file, the rep started the review process again. I called the VA Loan XXXX XXXX and notified them of the issue as well.

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 2026-04-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have encountered difficulties accessing my [ XXXX ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
During Covid, my daughter was under duress and was employed and was considered an essential worker and this was putting her under undue stress and pressure. She wanted to find a job where she could work from home and found an online certification coding course through XXXX XXXX XXXX XXXX XXXX We believed that since it was through XXXX, it would be a good program and she would be able to find gainful employment in that field. The fee seemed unreasonably high, but she was desperate and applied for a loan through Climb Credit and/or XXXX XXXX. I had to co-sign for the loan. At first the payments were high but we tried our best to keep up. Then after she completed the program which was a joke, she was not able to find employment in that field. The payments doubled and we were unable to keep up, and Climb would not work with us. The loan is now in collections. We recently heard about the class action suit against Climb Credit and would like to be included.

Company response to consumer: Closed with explanation