vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am filing this complaint because M & T Bank is unreasonably refusing to honor a valid Massachusetts Durable Power of Attorney ( DPOA ), actively violating Title III of the Americans with XXXX XXXX ( XXXX ), instructing a fiduciary to violate cybersecurity protocols, and requesting sensitive Personally Identifiable Information ( PII ) over insecure channels. First, as a 100 % XXXX veteran, I formally submitted proof of my XXXX and requested a reasonable accommodation under the XXXX to conduct all fiduciary verification via secure email or a digital portal. A local branch manager explicitly denied this request via a recorded voicemail, stating that there are no XXXX accommodations for financial accounts. Furthermore, instead of processing my fiduciary documents, this bank manager explicitly instructed me to bypass standard verification by " utilizing the principal 's credentials '' to log into online banking. Instructing a third party to masquerade as the principal is a direct violation of standard banking Terms of Service and federal cybersecurity guidelines. Second, the bank is actively ignoring actual, written notice of the principal account holder 's clinical incapacity. I submitted three physician certifications confirming incapacity. Despite this actual notice, the bank refuses to recogni ze my legal authority as Attorney-in-Fact under the submitted DPOA. I formally offered in writing to execute an Affidavit of Continuance under M.G.L. c. 190B 5-505 to absolve the bank of liability, but they continue their " unreasonable refusal '' under M.G.L. c. 190B 5-506, unlawfully demanding a court-ordered conservatorship rather than honoring the " alternative regime '' provisions of Massachusetts law. Finally, when attempting to locate the account, M & T Bank 's internal support staff emailed me requesting that I transmit the principal 's full Social Security Number over standard, unencrypted email. They have consistently refused to provide a secure digital upload portal to safely transmit PII or legal documents, creating an artificial barrier to account management.

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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
1. Request and trial period : I requested XXXX 's internet service with a one-month free trial. The equipment was sent to my home. 2. Return within the deadline : Approximately 15 days after receipt, and within the trial month, I decided not to use the service. I called XXXX to notify it and I was instructed to return the equipment to a physical store. I followed the instructions and returned the entire equipment to the XXXX store. 3. The equipment was never activated or used : At no time did I activate the service, connect the equipment, or use the internet. 4. XXXX error : Two months after the return, XXXX started contacting me claiming that the equipment did not appear. I informed them several times that it had already been returned in store as they themselves indicated to me. They assured me that they would investigate and solve the problem. 5. Improper collection : 3-4 months later, a collection agency started contacting me demanding payment for the equipment. When disputing it with XXXX, they changed the version and now they claim that I owe 3 months of internet, a service that I never activated or used. 6. Inconsistencies : XXXX has given contradictory information : first that the equipment was missing, then that they found it, and now that I owe months of service. This shows poor internal management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-25 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: GA

Complaint narrative:
Formal Complaint Regarding Unfair and Predatory Dealership Practices To Whom It May Concern, I am formally raising concerns regarding the handling of my vehicle transaction through XXXX XXXX. Throughout this process, I experienced repeated delays, conflicting information, and unresolved title and registration issues that created financial hardship and uncertainty regarding the legality of operating the vehicle. The dealership failed to timely provide proper tag and registration documentation. After the allowed timeframe had already passed, the tag was finally sent to me. Due to the defective nature of the transaction and unresolved title concerns, I returned the tag with a written rejection letter requesting the contract be unwound. Despite these ongoing issues, I continue facing payment obligations, insurance costs, and damages tied to a vehicle transaction that should have never progressed in this manner. The overall handling of this situation reflects what I believe to be unfair and potentially predatory sales and financing practices. I request immediate review of this matter and written clarification regarding the dealerships position moving forward. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, I deposited an official municipal government public assistance check from City XXXX XXXX XXXX XXXX XXXX for {$9600.00} into a Bank of America ATM. My printed ATM deposit receipt explicitly stated that the funds would be available on the next business day, XX/XX/year>. Furthermore, my official monthly statement closing XX/XX/year>, documented these funds as " Available. '' Bank of America has committed the following federal violations under Regulation CC : XXXX. Violation of Next-Day Government Check Availability ( XXXX ) : Under Regulation CC, a local government public assistance check deposited at a proprietary bank ATM qualifies for mandatory next-day availability for at least the first {$5500.00}. Bank of America illegally withheld XXXX XXXX of these government housing funds, granting {$0.00} next-day access. XXXX. Failure of XXXX XXXX Notice ( XXXX ) : The bank subsequently blocked my account access and extended a full hold out to XX/XX/year>. They failed to provide a physical or digital Notice of Hold Expansion by the next business day. Instead, they retroactively placed a backdated digital notice into my online portal days after the fact to cover their actions. XXXX. Providing False Legal Information : When I called to dispute the block, a call center supervisor gave blatantly false information, claiming that " federal law mandates '' the bank to hold the funds for 10 days. Regulation CC caps maximum allowable limits to protect consumers ; it does not mandate holds. XXXX. Refusal to Mitigate Emergency Funds : The banks backdated notice claims " Reasonable Cause to Doubt Collectability. '' However, this is a verified municipal XXXX XXXX housing voucher check. Bank of America has refused to conduct a manual verification or allow a XXXX override to clear these emergency government funds. Bank of America is unlawfully withholding verified municipal government assistance funds, violating statutory next-day availability rules, and failing to meet federal disclosure timelines. I demand an immediate manual override by their risk department and the immediate release of my {$9600.00}.

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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB FEEDBACK RESPONSE EXPERIAN COMPLAINT NO. XXXX I DO NOT ACCEPT Experians response as satisfactory. Experian issued a generic verified as accurate response without providing any substantive evidence, documentation, or explanation showing HOW the disputed information was verified as required under the Fair Credit Reporting Act ( FCRA ). Experian failed to provide : * Copies of alleged applications or signed authorizations * Original contracts bearing my signature * IP logs or electronic authorization evidence * Detailed description of the reinvestigation process * Method of Verification ( MOV ) * Metro 2 compliance documentation * Proof of permissible purpose for inquiries * Documentary evidence from furnishers supporting accuracy Experian merely repeated boilerplate language stating the furnishers verified the information. This does NOT satisfy the requirements of a reasonable reinvestigation under : * FCRA 611 ( 15 U.S.C. 1681i ) * FCRA 607 ( b ) Maximum Possible Accuracy * FCRA 604 Permissible Purpose * FCRA 605B Identity Theft Blocking Requirements I specifically disputed unauthorized inquiries and potentially fraudulent or unverifiable reporting resulting from identity theft and data integrity concerns. Experian failed to demonstrate that it independently reviewed any evidence whatsoever. A furnisher simply responding verified is insufficient if Experian : * Failed to review underlying documentation * Failed to investigate beyond automated systems such as e-OSCAR * Failed to confirm Metro 2 compliance * Failed to verify the existence of lawful authorization Additionally, Experian did not address : * Potential Metro 2 reporting violations * Incomplete account-level investigations * Data breach concerns involving unauthorized account activity * Whether furnishers supplied actual documentary proof I continue to dispute : * 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 XXXXXXXX I am formally requesting : 1. A complete Method of Verification 2. The name, address, and contact information of every furnisher contacted 3. Copies of all documentation relied upon during reinvestigation 4. Verification of Metro 2 compliance 5. Removal of any unverifiable inquiries or accounts 6. Reinvestigation consistent with FCRA requirements Experians response appears to rely heavily upon automated procedures rather than a lawful and reasonable investigation supported by competent evidence. I request that CFPB maintain this complaint on record as disputed and unresolved. All rights reserved. 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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a XXXX XXXX in our immediate vicinity preventing people in the area from paying their bills under threat of XXXX, Capital One froze then restricted the account, when I notified the Capital One customer service representative of this extenuating circumstance and requested that they reopen the account they refused to reopen the account and as a result, sided with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Happy Money, Inc.
State: FL

Complaint narrative:
I am a Senior citizen living in the state of Florida. On or about XXXX of 2023 I took out a personal loan from Happy Money Inc. According to my records and the amount that Happy Money has collected from my bank account my loan should be paid in full. I called Happy Money , Inc to let them know and they stated I still owe an additional {$6400.00}. I then asked for them to send me all my statements to my address and they refused. They said they were only willing to send them electronically. As I stated in the beginning I am a senior citizen with no computer access or skills and have no printer. I know that Federal law requires them to mail all my statements when requested yet they refuse to follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: NV

Complaint narrative:
I am writing to formally file a complaint against Current ( XXXXXXXX XXXX XXXX XXXX XXXX ) regarding significant, unresolvable discrepancies in my account ledger. Despite multiple requests for documentation, the bank has failed to provide transparency. Specific Issues : Ledger Discrepancy : There is a total discrepancy of {$6500.00} between my verified income/records and the deposits reflected in my account. Unauthorized Activity : an unauthorized transfer of {$2100.00} was made to a " secured wallet '' without my authorization or knowledge I belive at the end of XXXX. Refusal of Information : The bank has repeatedly failed to provide transaction IDs, clear itemized ledgers, or running balances, making it impossible to reconcile my financial records. Which has interfered with an official government investigation. Requested Resolution : I request that the CFPB compel the bank to provide a full, itemized transaction ledger including unique transaction IDs and running balances for the period of XX/XX/XXXX to XX/XX/XXXX. I am seeking a full investigation into these " ghost deposits '' and unauthorized transfers to resolve the missing {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex is stating my account is delinquent and any future charges will be declined. In reality my account is in credit balance. As in they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Tesla, Inc.
State: NC

Complaint narrative:
I am submitting this formal complaint against Tesla Motors , Inc. regarding a consumer transaction in which full cash payment was collected and no undamaged vehicle has been delivered. Order Number : XXXX Order Date : XX/XX/year> Full Cash Payment Completed : XX/XX/year> Total Amount Paid : {$58000.00} Vehicle : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Business Name : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I completed full cash payment of {$58000.00} on XX/XX/year>, leaving a balance of {$0.00} due at delivery. Four days later, on XX/XX/year>, just three hours before my scheduled XXXX XXXX delivery appointment, XXXX contacted me via both phone call and in-app chat to disclose that the vehicle designated for my delivery had substantial scratching to the panel. Tesla had been in possession of my full payment of {$58000.00} for four days at the time of this disclosure and had not notified me of the vehicles condition at any earlier point. During the disclosure, Tesla did not offer any resolution, alternative vehicle, or path forward. The situation was left entirely open ended, placing the full burden on me as the consumer to determine next steps just three hours before my scheduled appointment. Following my pushback in the chat thread, Tesla verbally offered an alternative vehicle. However, as of the date of this complaint, no replacement VIN has been formally assigned in my Tesla account, no confirmed delivery date has been provided, and Tesla continues to retain my full payment of {$58000.00} with no vehicle delivered. I am requesting that the CFPB review this matter as it relates to the collection and retention of {$58000.00} in consumer funds without fulfillment of the purchase agreement, and the failure to provide timely and adequate disclosure of known vehicle damage prior to a scheduled delivery appointment. Respectfully submitted, XXXX, NC Order Number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Beginning in 2026, I disputed multiple accounts appearing on my consumer credit reports due to inaccurate, inconsistent, and questionable reporting across XXXX XXXX, and Experian. The disputed accounts include XXXXXXXX XXXX XXXX XXXX XXXX, and multiple XXXX XXXX XXXX XXXX accounts. I identified significant inconsistencies in how these accounts are being reported across the nationwide consumer reporting agencies. For example, the XXXX XXXX XXXX XXXX accounts are reporting only with TransUnion while no corresponding reporting appears with XXXX or XXXX. Additionally, the XXXX account was previously removed from my credit report but later reappeared without sufficient explanation or documentation supporting the reinsertion. The XXXX XXXX XXXX account is also reporting conflicting delinquency information across the consumer reporting agencies, including different delinquency statuses and payment history reporting for the same account. I submitted disputes requesting complete verification of the reporting, including payment history, account-level documentation, dates of first delinquency, and documentation supporting the accuracy and completeness of the reported information. Despite these requests, the accounts continue to be reported inconsistently and without sufficient documentation being provided to support the investigations conducted. I also requested documentation supporting how the disputed information was verified and how previously deleted information was reinserted onto my credit report. However, no meaningful explanation or supporting documentation has been provided. Because of the ongoing inconsistencies, reinsertion concerns, and lack of complete verification, I do not believe reasonable investigations have been conducted as required under the Fair Credit Reporting Act.

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 2026-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Earnest Inc.
State: IA

Complaint narrative:
b"I am filing this complaint against Earnest XXXX XXXX regarding continued collection activity being conducted on their behalf by their loan servicer XXXX, in violation of 15 U.S.C. 1692g. A related complaint has been filed against XXXX under CFPB Complaint Number, XXXX. My XXXX XXXX XXXX was discharged on SeptXXXX XXXX XXXX5. I received a collection letter from Earnest dated XXXX XXXX XXXX regarding account XXXX XXXX XXXX XXXX. The student loans were included in my bankruptcy filing. No adversary proceeding was filed specifically for this debt, and my bankruptcy attorney did not advise me on the specific discharge status of these loans after the case closed. On XXXX XXXX XXXX, I sent Certified Mail debt validation requests to both Earnest (XXXX, CA) and XXXX (XXXX, MO), disputing the debt and requesting all collection activity cease pending validation. Both letters were delivered and signed for on XXXX XXXX XXXX. XXXX continued calling me on Earnest's behalf on XXXX XXXX at XXXX XXXX just 1 hour and 46 minutes after confirmed delivery and has called every business day since through XXXX XXXX XXXX. I have documented 10 total calls, 6 of which are confirmed post-delivery violations. XXXX used three different phone numbers (XXXX XXXX and XXXX. All calls are preserved as voicemails. Additionally, Earnest sent a billing statement on XXXX XXXX XXXX demanding $XXXX monthly nearly triple my pre-bankruptcy payment of XXXX with no itemization. I request the CFPB investigate Earnest's role in directing continued collection activity through their servicer XXXX following confirmed receipt of a written debt validation request, and require immediate cessation until proper validation is provided"

Company response to consumer: Closed with explanation