vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UPGRADE, INC.
State: FL

Complaint narrative:
My credit limit was reduced to {$500.00} without any advance notice, effective today ( XX/XX/year> ), leaving me with a negative balance of approximately - {$680.00}. The document that was sent to me after my credit limit was reduced included " too many reversals, '' but my card had been locked due to fraud. If reversals caused this credit decrease, it was not due to any mismanagement on my part. The adverse action notice I received was vague and generic, and the customer service representative was unable to explain what fees, if any, I would be charged for being over the new limit. She only kept stating she could " read the document to me out loud but can not say anything else ''. Stating it multiple times as I asked for an explanation of what is going on : " I can not give you any information other than what is stated word-for-word on the document that you received today. '' This will significantly damage my credit score through no fault of my own, as my credit utilization is now far over the new {$500.00} limit due to a sudden decrease I was given no opportunity to prepare for or dispute in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Subject : Failure to Provide Proper Tax Reporting Documentation Freedom Mortgage XXXX XXXX XXXX XXXX I am filing a formal complaint regarding conflicting and inadequate responses from Freedom Mortgage and XXXX XXXX XXXX concerning documentation of property taxes paid at closing during my refinance transaction. My refinance closed on XX/XX/XXXX. During closing, property taxes in the amount of {$3700.00} were paid to XXXX XXXX as part of the settlement process. Freedom Mortgage has informed me that these taxes are not reflected on my Form 1098 because they were paid by the closing company and not through escrow. They directed me to XXXX XXXX XXXX for documentation. I contacted XXXX XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. They confirmed the tax payment amount but refused to provide a corrected Form 1098 or any equivalent IRS-recognized tax reporting document. Instead, they provided only a closing disclosure page and stated they are not required to issue a corrected 1098. This situation leaves me without standardized tax documentation reflecting property taxes paid, creating concern that my legitimate tax deduction may be questioned or disallowed by the IRS. I am requesting : Clarification of responsibility between Freedom Mortgage and XXXX XXXX XXXX regarding reporting of property taxes paid at closing. Provision of appropriate documentation that satisfies IRS requirements for deducting property taxes, or written confirmation that the provided closing disclosure is sufficient for tax reporting purposes. Review of whether consumers in refinance transactions are being adequately supported with proper tax documentation. Companies involved : Freedom Mortgage Company XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX at XXXX XXXX XXXX : XXXX XXXX, Team Lead I appreciate your assistance in resolving this matter and ensuring compliance with consumer financial protection standards. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga 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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute several inaccurate and fraudulent items appearing on my consumer credit reports. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681, 1681a, 1681b, 1681c, and 1681s-2. Under these statutes, consumer reporting agencies are required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of any disputed information. The following accounts and late payment records are inaccurate, unverifiable, or potentially fraudulent. If the information can not be verified with competent evidence, including the original agreement and full payment history, it must be corrected or removed immediately. Late Payment Disputes XXXX XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX XXXX Late Payments Reported : XX/XX/XXXX and XX/XX/XXXX XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Fraudulent / Inaccurate Accounts XXXX XXXX XXXX Partial Account Number : XXXX Amount Reported Due : {$3600.00} Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX New Account Number : XXXX Amount Reported Due : {$3600.00} Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Charge-Off Last Date Paid : XX/XX/XXXX Amount Reported Due : {$18000.00} Date Reported : XX/XX/XXXX Request for Investigation Under FCRA 1681i, you are required to conduct a reasonable investigation within 30 days. Any information that can not be verified as accurate and complete must be deleted immediately. Please provide written confirmation of the results of your investigation along with an updated copy of my credit report. M,

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 — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AK

Complaint narrative:
I have sent at least XXXX letters to XXXX XXXX since XXXX of XXXX, and I have not received a single response. I have been attempting to resolve this debt. XXXX XXXX either ignores communications, or refuses to reply. All communications regarding this account must be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a vacation package to be taken during the XXXX holiday from XX/XX/XXXX until XX/XX/XXXX, which included hotel stay and a round trip flight for my kids and I. The payment was made in full via initial payment and monthly payments. However even though a flight to my destination was provided, a return flight ticket was never provided. I had to purchase a one way return ticket for my XXXX XXXX age XXXX and XXXX and myself in XX/XX/XXXX when our vacation was meant to be over and we needed to vacate the hotel and the country. I reached out to the merchant but didn't get a response and I decided to dispute the charges on my citi credit card. Despite citi opening the dispute and me providing all the requested document asked of me by citi card, and the merchant never responding even though they were given a date to respond by, the dispute was closed stating that the time frame to dispute the charges had elapsed.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: LA

Complaint narrative:
I had called about charges and purchases I didn't make they had me on hold for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I called Cavalry Portfolio Services and spoke with XXXX XXXX XXXX. I'm a documented identity theft victim. Accounts were previously removed and reinserted on my credit reports. I have submitted the FTC report, police report, proof of address, and bank statements. The account contains incorrect email and incorrect addresses. Cavalry is continuing to report fraudulent data. This is impacting my ability to secure a bank loan. " This constitutes continued reporting of inaccurate information after notice of identity theft, in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Delayed/Improper handling and final denial of wire fraud dispute # XXXX involving {$260000.00} in XXXX international wires ( debit card XXXX XXXX XXXX XXXX XXXX ). On XX/XX/XXXX I filed scam report and signed XXXX XXXX Acknowledgement. On XX/XX/XXXX informed recipient banks frozen. On XX/XX/XXXX I sent written escalation and received confirmation they received it. On XX/XX/XXXX BOA sent formal denial letter stating " the attempt to recover the funds was not successful '' and closed the inquiry. Attached : full call log + copy of XX/XX/XXXX denial letter ( via secmail.bankofamerica.com ). This denial without any substantive explanation of the recipient bank responses or timeline has caused ongoing financial hardship. Please require Bank of America to : ( 1 ) provide detailed written status for each receiving bank and why recovery failed, ( 2 ) reconsider the claim or escalate to Executive Customer Relations, ( 3 ) explain any further consumer remedies.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XX/XX/XXXX at about XXXX I deposited a tax return check in person at the bank XXXX XXXX XXXX XXXX But for some reason, the bank is accusing me of depositing a fraudulent check. With no proof. Actually, the check was verified. But the bank still thinks its fraudulent. The check was for {$3300.00}. Ive called the banks. I went down to the branch and they said they were gon na put a hold on the check until XXXX XXXX days. With no proof that the check is bad except for an employee saying its fake. Then over the weekend I woke up this morning XXXX. XXXX XXXX. And I noticed I had more funds. I received additional money from the IRS and from the state to tax return returns. A check from the IRS for {$1300.00}. a check from XXXX for {$1900.00}. Both came through electronically. It showed I had an available balance. {$3300.00}.. I went to the bank to withdraw it. I was denied. Again, I was accused of fraud even the checks that were deposited from the IRS and the state I was accused of being a fraud. Ive never even been arrested. Your employee made up a concoction to cause me problems and hardships and accuse me of fraud in XXXX. I dont know what to do. I tried to withdraw money from inside the bank {$3300.00} and I was denied and they called the police on me. Even the police knew who I was the police know me.

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 2026-04-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: LA

Complaint narrative:
" Netspend is withholding a remaining balance of {$4000.00} from my federal tax refund, which was deposited on XX/XX/XXXX XXXX was initially verified and allowed to spend a portion of the funds. My account was then closed for 'failed verification ' without a clear explanation, and my digital access was blocked. '' The Impossible Requirement : " Netspend representatives have verbally stated they will not release my funds unless they receive an 'indemnity form ' from the IRS XXXX They have explicitly refused to provide this requirement in writing or via email. '' The False Legal Claim : " Netspend claims this requirement is 'law, ' yet the IRS does not issue private indemnity forms to banks. This creates an impossible requirement that prevents me from accessing my federal funds. '' Financial Hardship : i can not pay ( rent, utilities ) because of this hold.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, Coinbase support confirmed that {$1600.00} in winnings was missing from my account. The funds disappeared between XX/XX/XXXX and XX/XX/year>, with no transactions, withdrawals, or any activity showing in my history. The initial support agent stated I would receive an official response and resolution within XXXX hours to 7 days. It has now been over XXXX full weeks with no resolution. Since then, multiple support agents have only provided generic responses stating that my funds are " safe, '' that " engineering is working on it, '' that " numerous users are encountering the same problem, '' and suggesting I check back later or after 7 days. They have given no specific explanation, no proof that the funds have been located, and no firm resolution date. My support case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
From about XX/XX/XXXX until XXXX the XXXX XXXX there were nine transactions, these are the only ones that I am knowledgeable about that I earned my wages using doordash needed my funds on my XXXX XXXX card. Unable to link door dash to uber, I sent money to cash app for a fee to forward to XXXX. On the day of the last transaction I was in immediate need for my money and I was watching for the payment to post which never posted. In which then I inquired with XXXX and XXXX. XXXX said they never received it and XXXX assured that for the fee I paid them they sent each of the transactions. So I then contacted cash app which had not sent my money to my XXXX account they sent it to someone called XXXX XXXX XXXX. ( and has since attempted to change my cash out name to this person 's name ) That is not me I have no association with that name, I did not authorize for my money to be sent to whomever this account belongs to.

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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX regarding inaccurate, misleading, and unverifiable reporting of an account, as well as failure to provide sufficient validation after a formal dispute. On XX/XX/year>, I mailed a written dispute to XXXX regarding this account. The dispute was delivered via certified mail on XX/XX/year>. On XX/XX/year>, XXXX responded ; however, the response consisted primarily of generic documentation, including an open-end line of credit agreement, disclosures, and a basic account summary. The documentation provided does not constitute proper validation. It does not include a complete itemization of the alleged balance, does not sufficiently establish the accuracy of the amount being reported, and does not provide documentation demonstrating current ownership or a clear chain of title. XXXX has also stated that the account was sold to XXXX XXXX. My credit reports confirm that the account has been sold or transferred. Despite this, XXXX continues to report this account as a derogatory account. On XXXX, the account is reported as a collection account with a {$0.00} balance and includes remarks indicating that it was sold and purchased by another lender. On TransUnion, the account is reported as sold ; was in collection, also with a {$0.00} balance. These reporting statuses confirm that NetCredit no longer owns the account, yet they continue to report negative account history. At the same time, I have received collection communications from XXXX XXXX attempting to collect the same alleged debt. No party has provided clear, sufficient, and verifiable documentation establishing ownership, authority to collect, or the accuracy of the reported information. Because XXXX has acknowledged the sale of the account, failed to provide sufficient validation in response to my dispute, and continues to report derogatory information despite the transfer, the information being furnished is misleading, incomplete, and can not be reliably verified. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and capable of being verified. That standard has not been met.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a vacation package to be taken during the XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, which included hotel stay and a round trip flight for my kids and I. The payment was made in full via initial payment and monthly payments. However even though a flight to my destination was provided, a return flight ticket was never provided. I had to purchase a one way return ticket for my XXXX kids age XXXX and XXXX and myself in XX/XX/XXXX when our vacation was meant to be over and we needed to vacate the hotel and the country. I reached out to the merchant but didn't get a response and I decided to dispute the charges on my citi credit card. Despite citi opening the dispute and me providing all the requested document asked of me by citi card, and the merchant never responding even though they were given a date to respond by, the dispute was closed stating that the time frame to dispute the charges had elapsed.

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 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute several inaccurate and fraudulent items appearing on my consumer credit reports. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681, 1681a, 1681b, 1681c, and 1681s-2. Under these statutes, consumer reporting agencies are required to maintain maximum possible accuracy and conduct a reasonable reinvestigation of any disputed information. The following accounts and late payment records are inaccurate, unverifiable, or potentially fraudulent. If the information can not be verified with competent evidence, including the original agreement and full payment history, it must be corrected or removed immediately. Late Payment Disputes XXXX XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXe Late Payments Reported : XX/XX/XXXX and XX/XX/XXXX XXXX Late Payments Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Fraudulent / Inaccurate Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Amount Reported Due : {$3600.00} Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX New Account Number : XXXX Amount Reported Due : {$3600.00} Date Reported : XX/XX/XXXX Toyota Motor Credit / Toyota Financial Services Account Status : Charge-Off Last Date Paid : XX/XX/XXXX Amount Reported Due : {$18000.00} Date Reported : XX/XX/XXXX Request for Investigation Under FCRA 1681i, you are required to conduct a reasonable investigation within 30 days. Any information that can not be verified as accurate and complete must be deleted immediately. Please provide written confirmation of the results of your investigation along with an updated copy of my credit report. XXXX

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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing multiple negative accounts that continue to appear on my XXXX XXXX XXXX XXXX credit file. After disputes were submitted, the accounts were reported as verified, but several items still appear inaccurate, incomplete, or not properly supported by documentation. The issues include possible incorrect balances, inaccurate dates, incomplete account status information, and failure to provide sufficient documentation supporting the reporting. I request review of whether the furnisher and consumer reporting agency conducted a reasonable reinvestigation and whether the information reported is accurate and complete. I am requesting deletion of any item that can not be verified with competent documentation, complete account history, and lawful chain of assignment where applicable. Accounts in XXXX XXXX XXXX XXXX reported by LVNV Funding LLC Balance : {$450.00} Type : Collection Issue to review : Possible inaccurate balance / chain of assignment / validation issues XXXX XXXX XXXX reported by LVNV Funding LLC Balance : {$860.00} Type : Collection Issue to review : Possible inaccurate balance / chain of assignment / validation issues XXXX XXXX XXXX XXXX reported by LVNV Funding LLC Balance : {$230.00} Type : Collection Issue to review : Possible inaccurate balance / chain of assignment / validation issues XXXX XXXX XXXX XXXXXXXX Missouri reported by LVNV Funding LLC Balance : {$510.00} Type : Collection Issue to review : Possible inaccurate balance / chain of assignment / validation issues Requested Resolution- Correct any inaccurate reporting immediately.- Delete any account that can not be verified with competent documentation. Provide a complete explanation of the investigation and results.- Ensure any future reporting is accurate, complete, and not misleading.

Company response to consumer: Closed with explanation