vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: V and H Portfolio
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including Cushman v. Trans Union Corp. ( 1997 ) and Dennis v. BEH-1, LLC ( 2008 ), establishes that credit reporting agencies must go beyond superficial or automated verification methods. I am requesting full validation of these accounts, including signed agreements, complete payment histories, and documentation establishing the chain of assignment from the original creditor. If this information can not be properly verified, these accounts must be deleted from my credit file. Failure to comply with these federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. I expect a timely response in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a fraudulent credit card account reported by Truist Bank that I did not open or authorize. The account ( ending in XXXX ) appears on my credit report with a balance of {$13000.00} and past-due status. I have never applied for, opened, or used this account. This is a clear case of identity theft or unauthorized account activity. I am requesting that Truist Bank provide full documentation verifying how this account was opened, including the original application, IP address, signed agreement, and any identity verification used. I have filed an identity theft report with the FTC and am including this as part of my claim. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be immediately investigated and removed from my credit report. This inaccurate reporting is negatively impacting my credit and financial standing. I expect a timely resolution and written confirmation of the results of the investigation. Sincerely, 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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX added optional multiple insurance coverages I did not authorize. The agent, XXXX, never presented, discussed, or offered these coverages. XXXX reused my digital signature from a separate fuel authorization form and applied it to all optional coverages without consent. Written receipt presented at car pickup was not reviewed until returning home. Telephone conversation with XXXX billing department did not resolve dispute. Disputed charges with credit card issuer. XXXX provided misleading or false information to the bank showing my signature next to a blank space and that exact signature shows up next to every optional coverage that XXXX offers but nowhere next to a box for prepaid fuel. I already paid for an insurance plan through XXXX at a reduced rate and therefore had no reason to buy more. The bank denied my dispute despite clear evidence of unauthorized charges and signature misuse. I requested that the bank review the evidence, but they upheld their decision without addressing the signature misuse or the lack of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: Block, Inc.
State: TN

Complaint narrative:
I got a notification from cash app saying that my card was charged {$60.00} from XXXX XX/XX/XXXX at XXXX. I hurried up and locked my card because other transactions were trying to be made from XXXX as well. I didn't authorize XXXX or cashapp to use my card. I disputed it on cash app with no response back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On or around XX/XX/year>, PayPal permanently limited my account and began withholding my funds without providing any reason or explanation. I contacted PayPal and requested the reason for the account closure and the release of my funds. They did not provide a reason and informed me that my funds would be held for 180 days. I use this account for legitimate business transactions related to my small business ( PDX Custom Prints ). No chargebacks or disputes were filed against me. The funds being withheld are from legitimate business invoices I issued to clients. Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was charged {$79.00} in interest on my Bilt credit card. My autopay was set to the minimum payment, and while I understand this setting, I had never incurred such a significant interest charge before under this same setting with XXXX XXXX. Upon discovering the charge, I immediately paid off the entire balance and updated my autopay to the full statement balance. When I contacted customer service to request a courtesy interest waiver, I was told that following Bilt 's transition from XXXX XXXX XXXX XXXX, their policy only allows a maximum refund of {$25.00}. Under XXXX XXXX, my understanding was that larger courtesy waivers were possible. I am requesting a full waiver of the {$79.00} interest charge as a one-time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio Servicing, Inc have yet to Release the Corporate Security Deed on My XXXX Mom 's house which is my house that was PAID in FULL on XX/XX/year> that I made direct to Select Portfolio Servicing thru Wire Transfer from my bank account took my money sent me a letter of Satisfied then XXXX XXXX XXXX XXXX XXXX on then on XX/XX/year> turned My PAID OFF into a Corporate/ Security Deed in What I can see from XXXX XXXX XXXX XXXX records and now holding without a right or authority to what is my Property Wholly being it PAID in FULL therefore still clouding my Deed XXXX months later disregarding Georgia law code 44-14-3 which hinder my FULL rightful ownership to my PAID Off house and I need this corrected by Select Portfolio Servicing, Inc, whom have yet to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NE

Complaint narrative:
On XX/XX/year>, I received a collection notice from XXXX XXXX demanding {$170.00}. The notice provided no itemization of what services this debt covers. I was unable to identify what the debt was for. On XX/XX/year>, I sent a written dispute letter and request for debt verification and itemization to the address printed on REVCO 's own collection notice : XXXX XXXX XXXX, XXXX OH XXXX. The letter was returned to me on XX/XX/year>, stamped " Return to Sender No Mail Receptacle Unable to Forward. '' XXXX XXXX provided an address on their own collection notice that is incapable of receiving mail, making written dispute impossible. Despite my attempt to dispute this debt in writing, REVCO continued collection activity. On XX/XX/year>, I received a second collection notice from REVCO Solutions for an additional {$430.00}, also directed to the same undeliverable address. I was unable to dispute this notice in writing for the same reason REVCO 's own address can not receive mail. On XX/XX/year> at XXXX AM, I received a text message from short code XXXX identifying itself as " XXXX XXXX XXXX '' referencing account Ref # XXXX, and directing me to call XXXX. This text message was sent after I had already attempted to dispute the debt in writing. To date, REVCO has never provided an itemized statement, never verified the debt, and never provided a functioning address for written correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding its handling of fraudulent ACH debit transactions and failure to comply with Regulation E. I disputed unauthorized ACH debits totaling {$1700.00} from XXXX XXXX that posted to my checking account prior to its closure ( Claim # XXXX ). I am a victim of identity theft and can provide supporting documentation. The merchant XXXX XXXX confirmed that a {$1700.00} refund was issued to Bank of America in connection with this fraud claim. However, the bank has refused to reimburse me and incorrectly states the claim was resolved in the merchants favor. This response is inconsistent with the information provided by the merchant and raises serious concerns about the banks compliance with consumer protection laws. I request a proper investigation, written documentation of the determination, and prompt reimbursement of {$1700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TOTAL MORTGAGE SERVICES LLC
State: CT

Complaint narrative:
I am filing this complaint regarding my experience with Total Mortgage Services, LLC during an FHA loan application for a four-family property located at XXXX XXXX XXXX, XXXX XXXX Connecticut. During the loan process, my wife and I were repeatedly informed that our loan was approved and moving forward subject to certain conditions, including completion of appraisal-related repairs. Based on these representations, we continued working toward closing in good faith. According to Total Mortgages own records, underwriting determined on XX/XX/year> that the property did not meet the FHA self-sufficiency test, which is required for loan approval. However, this critical issue was not clearly communicated to us. Instead, the loan file continued to be actively worked on for several weeks after that determination. This included multiple reconsiderations of value ( ROVs ), ongoing communication with the XXXX XXXX, and coordination regarding required repairs. These actions gave us the clear understanding that the loan remained viable and could still be approved. Before beginning any work, I confirmed with the XXXX XXXX that we were good to proceed. We were not advised to stop or informed that the loan could not qualify. In reliance on these communications, we proceeded with significant repair work starting XX/XX/year> in order to meet FHA requirements. As a result, we incurred approximately {$15000.00} in out-of-pocket expenses for contractor work, materials, and related costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland Credit Management filed suit using XXXX XXXX and XXXX. They have continued to report an inaccurate balance on my credit report. A payment of {$220.00} was garnished from my checking account on or around XX/XX/XXXX. A {$200.00} payment was made via XXXX recurring payment on or around XX/XX/XXXX. A {$200.00} payment was made via XXXX recurring payment on or around XX/XX/XXXX. A {$200.00} payment was made via XXXX recurring payment on or around XX/XX/XXXX. A {$200.00} payment was made via XXXX recurring payment on or around XX/XX/XXXX. I have submitted XXXX disputes with each credit reporting agency. The most recent being days ago. The balance has yet to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding the servicing of my XXXX XXXX XXXX by Aidvantage and requesting review of what I believe is an unaffordable repayment determination that does not adequately reflect my financial hardship. I am the sole borrower on these XXXX XXXX XXXX. Following a significant reduction in my personal income after relocating to South Carolina, I sought a recalculation of my repayment obligation based on changed financial circumstances. About one year ago through the XXXX XXXX XXXX, my request was denied based on inclusion of spousal income in the repayment determination, resulting in a payment obligation that is not sustainable given my present circumstances. I want to be clear that I am not seeking loan discharge or avoidance of repayment. I am seeking a fair and reasonable repayment adjustment that reflects my reduced ability to pay. My concerns are : The repayment determination does not reasonably reflect my documented financial hardship. I have been unable to obtain meaningful review or resolution through the loan servicer. Prior dispute efforts have not addressed whether the resulting payment is affordable or whether alternative remedies may exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
FORMAL DISPUTE OF LATE PAYMENTS & COLLECTION REPORTING FCRA VIOLATIONS To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of multiple late payment entries and any associated collection/charge-off reporting appearing on my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2. -- - * * ACCOUNTS IN DISPUTE : CAPITAL ONE ( ALL RELATED TRADELINES REPORTING DELINQUENCIES ) * * and XXXX XXXX and XXXX These accounts reflect multiple late payments ( 30/60/90/120 days ), charge-off status, and/or collection-related remarks. I am disputing these entries for the following reasons : 1. * * Unverifiable Payment History * * The reported payment history contains inconsistencies, missing months ( including N/R entries ), and irregular reporting patterns. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation. Reporting incomplete data renders the entire tradeline unverifiable and legally noncompliant. 2. * * Inaccurate and Misleading Account Status * * These accounts are being reported as paid yet continue to reflect severe delinquency and/or charge-off history. This creates a misleading impression of current creditworthiness and violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. 3. * * Failure to Maintain Complete and Accurate Records * * Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that is incomplete or inaccurate. The absence of a complete and verifiable payment history means these late payments can not be substantiated. 4. * * XXXX XXXX Reporting Violations * * The reporting of late payments and charge-off status after the account has been paid or settled does not comply with industry XXXX XXXX standards for accurate account coding and status updates. -- - * * DEMAND FOR ACTION * * Based on the above violations, I am demanding : 1. Immediate deletion of all late payment history associated with the above accounts 2. Deletion of any related charge-off or collection designations tied to unverifiable data 3. Full reinvestigation documentation, including : * Method of verification * Complete payment history records used * Identification of the party who verified the information If you are unable to produce complete, verifiable, and compliant documentation, you are required by law to delete these items immediately. -- - Failure to comply with this request will result in escalation, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under 15 U.S.C. 1681n and 1681o. This is a notice of reporting violations and a demand for deletionnot a request for basic verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year> someone used my bank account information and booked a hotel room. Upon check in at the hotel booked the person responsible for this transaction verified his identity with his driver 's license. I filed a dispute and they denied it. I have now file an appeal with the additional document attached. The bank is saying it will take 30 days to refund my money. I have e provided adequate information to confirm it was an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I made a {$200.00} payment XX/XX/XXXX, It was fully sent through XX/XX/XXXX I have bank statements. There is no {$200.00} payment within my MOHELA payment history but it shows the previous 2 payments I have made. The payment has not been deducted from my unsubsidized loan and the interest continues to grow due to their failure to apply the funds, this is unacceptable and i am requesting immediate action.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint against OneMain Financial for wrongful repossession and deceptive practices regarding an optional XXXX insurance product. The Facts : During the years of XXXX & XXXX My husband took out 2 loans, separate times, through OneMain Financial. XXXX XXXX was purchased through One Mains Solutions on both loans. In addition, with the latter loan he put his XXXX XXXX XXXX up for collateral. Since XXXX of XXXX, and for nearly 3 years, One Main Solutions has been making the loan payments directly to OneMain Financial We recently received, XX/XX/XXXX, a 'Paid in Full " letter for the first loan proving that the XXXX insurance is active and functional. On XX/XX/XXXX, OneMain wrongfully repossessed the XXXX from our yard while the loan was in good standing due to insurance payments. The vehicle was 'snatched ' using a wheel-lift truck rather than a flatbed. As a high-performance XXXX, this improper towing method has likely caused catastrophic drivetrain and transmission damage. OneMain had established a 'Course of Dealing ' in which we had 'reasonable expectation ' that the car was being paid for. The Violation : OneMain & OneMain Solutions has refused to provide a copy of : Notice of Default, Notice of Right to Cure, Original Loan Agreement, Disability Insurance policy, the Claim Approval, and Payment Ledger despite multiple request. An 'Executive Office of Customer Care ' agent, XXXX XXXX XXXX sent an email on Friday, XX/XX/XXXX, wanting to " discuss our recent experience with OneMain Financial ''. Upon returning her phone call I was asked if I had a lawyer ( e.g. No, Consumer Lawyer will take the case ) but refused to provide any explanation or documentation of the seizure. She referred to herself as an 'advocate ' and that she would be looking into the case without asking any questions of the situation. This is a breach of contract and a violation of Texas consumer laws/ Deceptive Trade Practices Act ( DTPA ), which protects consumers against false, misleading, and deceptive business practices. Desired Resolutions : ( For Now ) 1. A COMPLETE record/copy of all documentation involved in this error : Notice of Default, Notice of Right to Cure, Original Loan Agreement, Disability Insurance policy , the Claim Approval, Payment Ledger, OneMain internal emails and phone logs. 2. Immediate return of our vehicle to our residence at OneMain 's expense. 3. A FULL mechanical inspection and documentation of ALL damage created by the tow by a certified XXXX technician at OneMain 's expense. 4. Correction of any negative credit reporting resulting from this error. [ END OF DESCRIPTION ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
I had a Fradulant transaction on my account with cash app on XX/XX/year>. A person who's name is XXXX XXXX, who I don't even know nor have i ever met this person logging into my cash app borrowed {$50.00} and then right away turned around and sent himself a {$69.00} payment. I then contacted support Several times throughout the month of XXXX and told them it was fraudulant and i did not know this person and that i do not own an I phone which is what kind of device was used. They did an investigation and then closed it never resolved. I never received an email with the findings and resolution nor have i gotten my money bac either this has been going on since then and cash app keeps saying it is resolved which it is not also they keep hitting me saying i owe the borrowed amount of XXXX dollars which i feel i aint responsible to pay.

Company response to consumer: Closed with explanation