vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) for a series of bookkeeping errors and misinformation following a fraud incident on XX/XX/year>. These errors resulted in a multi-day loss of access to my funds, late payments on external bills, and damage to my credit profile. Upon reopening my account to resolve fraud, NFCU failed to transfer my actual ledger balance. They only moved my 'available balance ' while also carrying over pending debits that had already been deducted from the original account. This resulted in my new checking account being incorrectly sent into a significant negative balance. I was explicitly told by an NFCU representative on XX/XX/year>XXXX that I had a 45-day window to update my payroll direct deposit without service interruption. Relying on this professional advice, I updated my details immediately ; however, the bank failed to process the incoming deposit to the new account as promised. As a result, my XX/XX/year>XXXX paycheck was not deposited on time. Due to the bank 's error, I have missed payments on credit cards, gas bill, storage unit, and auto payments on iphone. My XXXX XXXX credit card and Navy Federal Credit Card payment is now late, which has resulted in late fees and potential negative reporting to credit bureaus. I also have a lien filed against my storage unit due to late payment. I spent a minimum of 5 hours on the phone with NFCU to correct their initial balancing error, yet the subsequent direct deposit failure has left me without access to my livelihood.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: WA

Complaint narrative:
During the Bilt XXXX transition, a balance transfer of {$2400.00} was initiated from XXXX XXXX to Bilt ( XX/XX/year> ). After noticing the transfer, I contacted XXXX XXXX, who confirmed that the full balance had already been paid and that the transfer should therefore be cancelled. I then contacted Bilt customer support to request cancellation of the balance transfer. Bilt informed me that they needed to verify the information before taking action. I subsequently received an email confirming that a case had been opened, but no timeline for resolution was provided, and the balance remains on my account. Because this transfer has not been cancelled, my Bilt account now shows an incorrect balance of {$2400.00}, which has artificially increased my credit utilization and is negatively impacting my credit profile. Additionally, the payment due date is approaching, and Bilt has not confirmed whether this erroneous balance will be corrected before then. Despite my attempts to resolve this directly with the company, Bilt has failed to take timely corrective action or provide a clear timeline for resolution. Their inaction is creating ongoing financial harm through potential credit reporting consequences and possible payment obligations for a balance that should not exist. If this incorrect balance is reported to credit bureaus, it would constitute inaccurate credit reporting for a balance that has already been paid, which could cause unwarranted harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
I am filing this complaint regarding a collection account on my credit report. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX, ( XXXX ) XXXX. This account is being reported to the credit bureaus without validation or opportunity to dispute. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Reporting Act. ( FCRA ). After several attempts and 32 days waiting period XXXX XXXX has not provided proof that I am legally obligated to pay this debt, proof of assignment or authority to collect on this debt or a complete accounting of the amount claimed that I owe reporting. Without proper validation this action constitutes unfair and inaccurate credit reporting and is causing immediate damaging harm to my credit profile. Under 15 U.S.C. section 1692g, a consumer has the right to receive validation of a debt, and collection activity including credit reporting must cease until proper validation is provided. Additionally, under 15 U.S.C. section 1681, any information that can not be verified must be deleted from a consumer 's credit report. Due to this account being reported prematurely and without validation, I am requesting immediate deletion of this collection account from all credit bureaus, written confirmation of the deletion and assurance that no further collection or reporting activity will occur regarding this account. Should the matter not be resolved promptly, I request that the CFPB require XXXX XXXX to demonstrate full compliance with all applicable federal consumer protection laws. Thank you for your assistance in this highly sensitive 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 explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the following information listed on my consumer report under the provisions of the Fair Credit Reporting Act ( [ 15 USC 1681i ] ( b ) ). I am exercising my right to challenge and correct any inaccuracies in my consumer information. I have tried to reach out and have not gotten any response or have been refused help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Check Recovery Bureau, Inc.
State: MN

Complaint narrative:
I received an email from United Check Recovery Bureau on Friday XX/XX/year> at XXXXXXXX XXXX that stated : " Our client XXXX has placed your XXXX XXXX Serviced By XXXX XXXX XXXX account with our office. We are willing to work with you to create a payment plan or a settlement. Currently you owe {$5900.00}. Our client is willing to reduce your balance to {$350.00}. You can even pay the settlement in XXXX parts of {$59.00}. If you do not have funds available today you can secure your settlement today by setting up the payment ( s ) for a later date. ". On Monday XX/XX/year> at XXXXXXXX I responded to that email " Hello, I would agree to pay the settlement described in this email of XXXX XXXX ". Which was me agreeing to the terms specified in their email. They proceeded to follow up to that email by stating to me that they accidentally sent it and the amount they would settle for was actually significantly higher than that offer. On Monday XX/XX/year> at XXXX I received this email in resonse : " That email was sent in error. The correct settlement is posted on your account. This just came to our attention and a new email will be sent stating this. My apologies for the confusion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a business savings account years ago. I noticed that recently a {$10.00} per month fee was being charged by the bank to have this account. I called and was informed that they changed the account agreement so that an average minimum balance over the course of 30 days was needed for them to waive the fee. I asked them to provide any evidence that I was informed or consented to the terms of the account and they could not. I have since closed the account but I would like the unauthorized charges returned to me. Because I have closed the account I no longer have access to those bank records online.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I asked for written documentation from this company still didnt provide it. I asked them to remove this and still didnt happened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have never entered into any contractual agreement with Spring Oaks Capital LLC, nor have I authorized this account. Because I do not recognize this debt, I am exercising my rights under federal law to dispute it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was notified by XXXX that a credit card was opened in my name via email alert and I didn't open a card.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: WI

Complaint narrative:
I learned of the entity Harris & Harris on XXXX when a 3rd-party monitoring service reported a negative entry on my credit report. Before yesterday, I had never heard of this company. They have never had contact with me, never spoken with me, and never sent me an email or a letter. I was shocked to learn that they represented XXXX, which, more than a year ago, apologized and closed my account. A XXXX rep took {$20.00} from me inside a XXXX as a deposit for equipment that would be delivered to me in 2 days. Several weeks later, the equipment arrived, and it was discovered that drilling into my house was required to install it. Totally opposite of the initial contact. I said no and returned the equipment. Never got my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On the evening of XX/XX/XXXX I attempted to purchase a XXXX XXXX XXXX XXXX for my solar generator. It needs to be noted I have purchased batteries like this BEFORE this, around XXXX, through XXXX. So when I clicked " buy '' it was immediately canceled with no explanation of course from XXXX. I tried twice. No luck. Fast forward to the next day, I go online on my CitiCard account to see if there's any info... yep there's this HUGE exclamation from them to contact their FRAUD DEPARTMENT " immediately '' as my card may be of limited use. XXXX, prior to that I discovered I couldn't even BUY GASOLINE.... this is why I logged onto the account to see what the heck is going on. So, FRAUD they tell me? With XXXX of all places? So I call, and of course it takes hours to get through to someone to talk to... then more time to convince them it was okay. They USED to text and/or call immediately if there was any fraud suspicion. Now it's up to the customer to figure it out, i.e. through the website. They simply said I had to wait 7 TO 10 BUSINESS DAYS for this ridiculous letter with a reference number to CALL BACK with to PROVE I AM WHO I AM and not a fraud. You have no idea how XXXX this made/makes me. So I cut up the cards and sent them back, telling them to put em where the sun don't shine. I have read on XXXX that MANY people are being mishandled this same way!

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Date : XX/XX/year> Barclays Bank Delaware Customer Service Department Subject : Formal Complaint and Request to Cancel Credit Card Account To Whom It May Concern, I am writing to file a formal complaint regarding my JetBlue credit card issued by Barclays. Approximately one month ago, I opened this credit card account and was approved with a {$6000.00} credit limit. Shortly after receiving the card, I noticed that a {$99.00} annual fee was charged to my account. I decided that I no longer wish to keep this credit card and attempted to contact customer service to cancel the account. However, for the past week I have called multiple times each day more than 20 calls in total and have been unable to reach a customer service representative. The automated system repeatedly states that customer service is not available. On three occasions when I did reach someone, the calls were disconnected. This situation is extremely concerning. A financial institution should provide accessible customer service, especially when a customer is requesting to close an account. Therefore, I am formally requesting the following : 1. Immediate cancellation of my credit card account. 2. Reversal or refund of the {$99.00} annual fee that was charged. 3. Written confirmation that my account has been closed with a XXXX balance. If this matter is not resolved promptly, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney Generals Office, and other relevant consumer protection agencies. Please resolve this matter as soon as possible and provide written confirmation of the account closure. 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 2026-03-12 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MD

Complaint narrative:
We went to court and I got evicted. I am not required to pay the amount. This is an attempt to collect debt not owed and abusing the system. I vacated the premises as the court demanded. The paper work shows I owe rent through XXXX. This is false as the premises was vacated and was not required to pay any rent since I was getting assistance from the county due to lost wages. Please order to remove from my credit file.

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 2026-03-12 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: Village Capital & Investment LLC
State: NC

Complaint narrative:
My mortgage servicer denied me for a VA loan modification with two conflicting denial reasons. Denial Reason # 1 ( Written ) : Hardship must be resolved. My hardship is resolved, as shown in my application. Denial Reason # 2 ( Verbal ) : You defaulted on two previous modifications. However, the VA Servicer Handbook M26 4 ( 2024 revisions ) contains no prohibition against offering additional modifications due to prior mod defaults. My VA loan technician also confirmed this is not a valid VA guideline. The servicer claimed this was within VA guidelines, which is incorrect and misleading. Regulation X Violations Under 12 CFR 1024.41, servicers must : State accurate, specific reasons for denial Evaluate borrowers for all available options Use valid guidelines, not internal overlays misrepresented as federal rules My servicer provided conflicting, inaccurate reasons and refused to provide the guideline they claim supports this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XXXX my XXXX XXXX was lost and pending fraud charges appeared on the account. XXXX refused to disable the card and ship a replacement despite me telling them multiple times I do not have possession of the card. I waited till the fraud claim was investigated, at which point the fraud team replaced the card. They then created a shipping label with an incorrect address, and sent my physical card there. Today XXXX sent me a notice that theyll reattempt delivery tomorrow, but thats not my front door in the XXXX picture. I call XXXX and ask they return the card to the shipper and they said they cant, and need the shipper to contact them. I then called Robinhood asking that they contact XXXX. XXXX, the Robinhood agent, stated that she can not contact XXXX and I must allow XXXX to reattempt the delivery to the wrong address. She also blamed me for not updating my shipping address, but the Robinhood app only shows me 1 address, which is the correct one ( XXXX ). I asked her to shut the card down and send a replacement. She told me she can not do that and told me to do it through the app, and it will charge me {$40.00}. Why am I being charged to correct the mistake Robinhood made? Attaching evidence for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I secured a loan from XXXX for a XXXX XXXX ram XXXX XXXX. Paid it off in XXXX. They told me it would be XXXX weeks and the title would be sent to me. I spoke now with XXXX different people. XXXX said title fedexed on XX/XX/XXXX. XXXX said title mailed on XX/XX/XXXX. XXXX was XXXX XXXX ID mgr of platinum service. He said it was mailed XX/XX/XXXX. All different. I said i WANT MY TITLE NOW. He said a replacement title would be XXXX weeks. He said he could send a lien release and I could TAKE OFF WORK to go get my own title. I complied to ALL the terms of the contract with them and they did not comply with the obligation to send me my title. He said it was mailed and I said, in a month and a half since it was mailed, you would have received it back. Surely someone would call me when you get the supposedly mailed title back. He says he has no idea. He was a robot telling me to wait XXXX more weeks or basically go do their work for them! Do they not have an obligation to get me my title in a timely masnner?

Company response to consumer: Closed with non-monetary relief