vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
PRIOR COMPLAINT AS REFERENCE : COMPLAINT ID XXXX CURRENT UPDATE : To whom it may concern ; I have still been attempting to resolve ongoing issues with Truist. 

I incorporated my company in XXXX. XXXX XXXX XXXX is a Florida based media production company. 

Main hub for verification is : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX I had been with XXXX XXXX  XXXX with positive experiences since XXXX. When they merged with SunTrust and became Truist it had some very direct impacts, sadly. 

1 ) banker assigned to company account sat on documentation regarding a XXXX XXXXXXXX refund with a XXXX company contracted to cater for a film in was making while in film school at XXXX XXXX XXXX XXXX After going repeatedly to follow up, banker admitted to not submitting documentation and finally did so just before the 6 month deadline. Had {$100.00} 's in overdraft fees as a result, which never were reimbursed. 

2 ) same banker was responsible for loss of that initial business account after I received employment via a school opportunity at XXXX and the employers check bounced. 

3 ) same banker embezzlled over {$1200.00} from a personal credit card. He was let go by Truist quietly later. I never was compensated. 

4 ) ongoing escalation of fees on credit card rates despite never missing a payment.

5 ) I have overdraft fees as recently as yesterday ongoing when they subtract funds from account for bills on same date as incoming funds. I watch the account on my end thoroughly. When I called customer service regarding this yesterday, was told the subtraction for bill had happened on XXXX. It did not post in my app at all until morning if XXXX for me to view in any way, there was no notification of a negative balance whatsoever, only notice was the overdraft note in my email. 

Have moved ongoing stuff as much as possible to XXXX XXXX XXXX and recently resumed banking with XXXX XXXX XXXX as well. Both seem earnest and to value my ongoing work with them. 

Due to malpractice by Truist, it seems likely I will never reasonably wipe the debt on 2 cash advance lines and 1 credit card, which, until I can resolve, necessitate a continuance of their " services '' indefinitely. 

Any assistance with these ongoing concerns would be helpful to say the least. 

Thank you for your time. 

Respectfully, XXXX XXXX " XXXX '' XXXX Founder & CEO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: FL

Complaint narrative:
In XXXX of 2019, I had my government assistance funds deposited into my PayPal account. Before I could withdraw my funds PayPal limited ( locked ) my account and stated that they were placing a limitation on my account. The limitation would be resolved in 180 days and as long as there was not any chargebacks, after that I could withdraw the funds from my account. After the 180 days I have contacted them on numerous occasions ; each representative I have spoken with states Your account is still limited and we will escalate this to our back-office team who handles all account limitations. According to PayPal the back-office team does not have a direct phone number, email or any type of contact information to provide for me, and I was directed to just wait for an email from the back office instructing me that my funds are made available for withdrawal. This process has been going on for XXXX years and I just want the funds that are rightfully mine. Please help me with this problem I am running out of solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In or around XXXX and XXXX, I discovered inaccurate personal information and fraudulent accounts on my credit reports while reviewing my credit file. 

Multiple addresses appeared on my reports that do not belong to me and have never been associated with my residence. These addresses are inaccurate and were added without my knowledge or authorization. 

In addition, XXXX XXXX XXXX credit card accounts were reported that I did not open, authorize, or use. XXXX account reflects a charged-off balance of approximately {$12000.00}, and the second reflects a balance of approximately {$960.00}. 

I believe these accounts and inaccurate addresses are the result of identity theft and unauthorized use of my personal information. 

After discovering these issues, I immediately took action by submitting disputes to the credit reporting agencies and filing an identity theft report. I provided supporting documentation, including proof of identity and address. 

Despite these efforts, the inaccurate addresses and fraudulent XXXX XXXX accounts continue to be reported, causing financial harm and damage to my credit profile. 

I am requesting that all incorrect addresses be permanently removed and that both fraudulent XXXX XXXX accounts be deleted from my credit reports in accordance with federal and state law. 

I am seeking a full investigation, correction of my credit file, and written confirmation of all updates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
b'Ive tried Several times to get a loan for a vehicle Ive had several vehicles break down on me that I paid cash for out of pocket XXXX XXXX XXXX XXXX then I ran out of money lost my job because every car I purchased had broken down with in a week to literally the next day of purchase. Everytime I send in documents for review their strict procedure always denies me it feels like if my name goes across their desk they say XXXX  this guy give a loan to XXXX XXXX XXXX XXXX XXXX XXXX but the minute they see me trying to get out of a hole they deny me I feel I am being discriminated against just from my name crossing their desk all the proof I have is the constant rejection and my loss of words these people collectively person to person know me and they are making me into a XXXX  XXXX  and I feel its genuine my feelings are being solidified to fact. The branch that Im speaking about is XXXX  I believe they are conspiring in racketeering funny how they get paid but I get cut off on the highway and my car breaks down and I dont get a paycheck like someone took it from me on the same road. You can check my bank statements I havent been paid in months now because I couldnt get to work I got a job I can ride a bicycle to work and its freezing and these people are driving by me going 50 in a 30 just laughing at me Im glad you guys are too thanks for probably not picking this to the point where you tell me I need this and that and this I have screen shots I filed a loan then I go to search loan status and it says no loans in queue luckily I had the email with the loan application number. I genuinely believe Im acting in the right reaching out about this as soon as I cross their desk they put me on hold and say no sorry this and no sorry that but XXXX XXXX XXXX XXXX  get a loan.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
b'Consumer Financial Protection Bureau\XXXX XXXX XXXXXXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nThis letter serves as a formal Cease and Desist notice regarding continued contact, actions, and/or involvement by the Consumer Financial Protection Bureau (CFPB) in matters concerning me that I believe are improper, unwarranted, or beyond the scope of your authority.\n\nI hereby demand that the CFPB immediately cease and desist from any further communication, investigation, data processing, or action involving my personal information, complaints, or matters related to me, except where explicitly required by law.\n\nPlease be advised of the following:\n\n- I do not consent to further contact by phone, email, mail, or any other means.\n- I do not consent to the continued collection, retention, or dissemination of my personal information beyond what is legally mandated.\n- Any continued action taken without proper legal basis may constitute harassment, overreach, or violation of applicable federal or state laws.\n\nIf the CFPB believes it has a lawful obligation or authority to continue contact or action, please provide written documentation citing the specific statutory authority relied upon.\n\nFailure to comply with this notice may leave me no choice but to pursue all available legal remedies, including filing formal complaints and seeking relief through appropriate legal channels.\n\nThis notice is sent without waiver of any rights, claims, or remedies available to me, all of which are expressly reserved.\n\nPlease confirm in writing that you have received this notice and that you will comply accordingly.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I received a letter from XXXX stating that my student loans were discharged effectively on the same date. All the loans discharged were listed in the letter. I sent a copy of this letter to Mohela, my student loan servicer, notifying them of the discharge and asking them to report the discharge to the 3 major credit bureaus so that the loan debts will be taken off my credit. I followed up with numerous phone calls since XX/XX/year> to see that the loans were removed from my credit all to no avail. Even though Mohela shows on their website that I no longer owe any student loans, the student loan debts are still reflecting on my credit reports. Every time I call Mohelas customer service, they promise to expedite the matter and get it taken care off but end up doing nothing. Meanwhile, my applications to secure finances to take care of my medical health challenges continue to be denied based on high account balance.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I am submitting this complaint regarding Columbia Debt Recovery LLC dba Genesis, which is inaccurately and unlawfully reporting a collection account on my credit reports with XXXX XXXX XXXX 

This collection is allegedly related to a landlord-tenant matter involving XXXX XXXX XXXX However, the reporting by Genesis is factually inaccurate, legally misleading, and unsupported by the court record. 

A civil default judgment was entered on XX/XX/year> in the XXXX XXXX XXXX XXXX ( Case No. XXXX ). The judgment awarded the plaintiff a total of {$7000.00}, inclusive of principal, court costs, attorney fees, and other amounts. 

Despite this, Genesis is reporting a balance of {$7900.00}, an amount not authorized by the court and unsupported by any judgment or agreement. 

( Violations & Contradictions ) 1. Incorrect Balance Reporting The amount being reported exceeds the court-awarded judgment. There is no court order authorizing the inflated balance. Reporting an amount not legally owed constitutes a material misrepresentation.

2. Improper Classification of the Debt Genesis is reporting this account as a rental/leasing collection. Once judgment was entered, the underlying lease claim merged into the judgment as a matter of law. The account is being mischaracterized, which is misleading to creditors.

3. No Proof of Ownership or Assignment The court record identifies XXXX XXXX XXXX XXXX as the judgment creditor. Genesis is not listed anywhere in the court docket. Genesis has not provided proof of any assignment of judgment or lawful authority to collect or report this obligation.

4. Inaccurate D
ates and Delinquency Reporting Genesis reports a date of first delinquency that predates or conflicts with the judgment timeline. A judgment can not be delinquent before it legally exists. This renders the reporting inaccurate and incomplete.

5. Failure to Ensure Accuracy After Dispute This account has been disputed, yet Genesis continues reporting inaccurate information without providing proper validation or correction.

Laws Violated Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) fai
lure to reasonably investigate and correct inaccurate reporting Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ) false representation of the amount and character of a debt 15 U.S.C. 1692f ( 1 ) attempting to collect/report amounts not authorized by law 15 U.S.C. 1692g ( b ) failure to properly validate the debt upon dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: OH

Complaint narrative:
They keep calling from different numbers, different people keep saying different things they keep calling my stepmothers phone constantly for the last XXXX times in XXXX week

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
( Thank you for contacting the U.S. Department of Educations office of Federal Student Aid regarding your feedback. We will respond and acknowledge receipt of your feedback within the next 15 days. 

Your case number is XXXX for reference. ) In XXXX I joined the XXXX and was given a very specific education bonus that was supposed to pay off ALL my student loans up to {$50000.00}. 

I HAD TO DO TWO THINGS FOR THE BONUS TO MATURE.

1. I had to be honorably discharged 2. I had to graduate from an XXXX  university ( XXXX XXXX Connecticut XXXX University ) My XXXX XXXX XXXX bonus was COMPLETELY SEPARATE from the XXXX XX/XX/XXXX XXXX  XXXX that I eventually used. I was assured there would be no issues all I had to do was take out qualifying loans as if I were a regular XXXX. And dont exceed {$50000.00} after I graduated the loans were supposedly supposed to get paid within a couple years ITS BEEN 13 YEARS!!! NOBODY WANTS TO HONOR MY BONUS AND NOW IM FINANCIALLY DESTITUTE!!! PLEASE SOMEONE FIX THIS!!! IM NOT GOING TO MAKE IT TI NEXT MONTH!!!!!!!!!!!!!

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I went on my online account at capital one to XXXX XXXX account and it said my account is froze and I started looking to see why and I seen a money transfer for all my money in the account to an account that's I have no ideas were or who or why or who approved it.. but I have screen shots of the transaction the date and amount and I've tried to contact capital one about XXXX to XXXX times about this matey to get my money sent to my XXXX XXXX card and I want to close the XXXXm account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
The irs sent me a letter stating my entire tax refunds were being sent to department of education and would have to contact them for the information and gave a contact phone number. I called the number and gave my information told them i am a victim of identity from many major security data breaches including unemployment benefits recieved to someone from fraud identy theft. They explained someone had applied for student loans in my name and there is a debt of {$16000.00}. I told them it wasNOT me. I never applied for student loans. They explained i can dispute it. That I would have to provide evidence to the facts of identity theft. They said I had to report it to you consumer finance and send them proof I had infact reported it. But when I was told to report it the government was shut down and it was impossible to report it. They knew the government was shut down and impossible to report it. They are making it impossible to get my tax return back that was sent to them. I gave them the police report. Proof of address at the time in question, signature proof, etc. This was months ago now. I was told I would get my money back ASAP upon sending all required documents. I did that and today I called to find out why my my tax return has not been sent to me. They said its pending. I asked pending what? She said that was all it said and couldn't give me more details that I would have to call a different department and gave me the number to call. So I called the number and they said the same thing and then gave me a web site I had to go to to get the information. So I did that but the website she gave didn't exist. I am a victim of identity theft and the department of education is the theives for keeping my tax return. They are as guilty as the one that fraudulently got a loan in my name.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
b'Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nThis letter serves as a formal Cease and Desist notice regarding continued contact, actions, and/or involvement by the Consumer Financial Protection Bureau (CFPB) in matters concerning me that I believe are improper, unwarranted, or beyond the scope of your authority.\n\nI hereby demand that the CFPB immediately cease and desist from any further communication, investigation, data processing, or action involving my personal information, complaints, or matters related to me, except where explicitly required by law.\n\nPlease be advised of the following:\n\n- I do not consent to further contact by phone, email, mail, or any other means.\n- I do not consent to the continued collection, retention, or dissemination of my personal information beyond what is legally mandated.\n- Any continued action taken without proper legal basis may constitute harassment, overreach, or violation of applicable federal or state laws.\n\nIf the CFPB believes it has a lawful obligation or authority to continue contact or action, please provide written documentation citing the specific statutory authority relied upon.\n\nFailure to comply with this notice may leave me no choice but to pursue all available legal remedies, including filing formal complaints and seeking relief through appropriate legal channels.\n\nThis notice is sent without waiver of any rights, claims, or remedies available to me, all of which are expressly reserved.\n\nPlease confirm in writing that you have received this notice and that you will comply accordingly.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
Last week between XX/XX/XXXX and XX/XX/XXXX my card was used in a manner which I have never used {$570.00} was used in a matter of hours on an online gambling platform named XXXX XXXX XXXX. 

The following morning, after finding my account negative {$500.00} I called the bank immediately and canceled my debit cards. I was advised that I could not dispute the pending amounts and I would have to wait until they cleared. 

I had to wait until Monday, and in the course of those days I figured out that my XXXX  daughter had used my device and XXXX XXXX to load the hard rock account on my phone and play through on slots, I never authorized her to do this, I never gave her permission to use my card or my account, she is a XXXX  and XXXX XXXX is for XXXX  XXXX and over. 

I called the bank that following Monday XX/XX/XXXX and spoke to someone who after speaking to multiple people filed the claim for me and told me a provisional credit would be issued. After waiting 5 days and not seeing the credit I called the bank again to be informed that my claim was denied, because I did in fact give my daughter access to my device. Although she had access to the device, she again was not authorized to use the card, let alone on an online gambling platform. 

The customer service person said I need to go into a branch to talk to a branch manager, and that no One over the phone could assist me,

Company response to consumer: Closed with explanation