vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: FL

Complaint narrative:
Failure to Conduct Reasonable Investigation Continued Inaccurate Credit Reporting I dispute XXXX conclusion that the reporting is accurate. XXXX response failed to satisfy its duties under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), because the investigation appears superficial and unreasonable. LoanCare admitted : * no credit reports were reviewed, * no specific bureau reporting screenshots were analyzed, * no detailed method of verification was provided, * and no explanation was given reconciling contradictory reporting statuses. The account history provided contains : * payment reversals, * bad check reversals, * suspense activity, * modified payment applications, * misapplication reversals, * and re-applied transactions. These entries raise serious concerns regarding XXXX XXXX compliance and the accuracy of the reported delinquency history. Additionally, LoanCare failed to explain : * how delinquency status was calculated, * how payments placed into suspense were treated, * whether re-applied payments altered delinquency progression, * and why reporting reflected both current status and delinquency indicators simultaneously. Under FCRA 623 ( b ) and CFPB Circular XXXX, furnishers must conduct a reasonable investigation and can not merely confirm internal data without substantive review. Accordingly, I request : XXXX. Complete deletion of the disputed late payments ; XXXX. The complete Method of Verification used ; XXXX. The identity of any third party or automated system used in the investigation ; XXXX. All Metro XXXX fields transmitted to XXXX XXXX, and XXXX for the disputed periods ; XXXX. All payment posting records and suspense ledger records relied upon. If LoanCare continues reporting without providing competent verification, I will consider additional complaints and legal remedies for negligent or willful noncompliance under the FCRA. Ask specifically for : * Actual Metro XXXX data fields * Date reported * Payment Rating field * Account Status field * Date of First Delinquency * Current Status code * Special Comment code * Compliance Condition code

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 2026-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint and request assistance regarding a disputed credit card transaction involving my bank, Bank of America XXXX On XX/XX/2025, I attempted to purchase airline tickets through XXXX XXXX via their official website. During the transaction, after entering my parents travel details, the website returned a system error and the ticket purchase was not completed. I did not receive any confirmation email, ticket issuance, or booking reference for this transaction. The following day, XX/XX/2025, I successfully completed the purchase for the same tickets in the amount of {$2000.00}. This time, I received proper confirmation, tickets, and notifications. However, upon reviewing my credit card statement, I discovered that the failed transaction from XX/XX/2025, in the amount of {$2000.00}, had also been charged to my account, despite no tickets being issued. I contacted XXXX XXXX multiple times and provided supporting information, but they declined to issue a refund for the erroneous charge. Subsequently, I filed a dispute with Bank of America. After reviewing my case, the bank denied my claim, stating that the charge was valid, despite the fact that no service ( tickets ) was provided. This situation has caused significant financial stress and inconvenience. I have been charged for a service I did not receive, and I have been unable to obtain a resolution through either the merchant or my bank. XXXX XXXX has acknowledged that there may be tickets in their system ; however, they were never issued or delivered to me, confirming that the transaction was not properly completed. As a consumer, I rely on my financial institution to protect me against such errors and unauthorized or invalid charges. I respectfully request that your office review this matter and assist in resolving the dispute, including facilitating a refund of {$2000.00}. I have attached all relevant documentation, including transaction records, correspondence with XXXX XXXX, and the dispute response from Bank of America. Thank you for your time and assistance in this matter. I look forward to your guidance and support. My full name is XXXX XXXX XXXX. Sincerely,

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 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Unreasonable sell way below the blue book value of vehicle. During loan I had financial troubbles I made arrangements to pay and often paid more then what I owed and dispite that my balance never lowered. They only applied all payment to the interest and not the balance. I told the person who sold me the car we wanted to be under XXXX they explained the contract but left out key parts including that most of the money would go to the interest rate. I tried to get Santander to help clear up this matter instead of help they doubled down and reported on my credit eventhough the dispute was still active and nothing was finalized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
my card was stolen but i use tap to pay on my phone so i didnt notice right away. once i did notice i checked my transaction history to see {$1800.00} in fraudulent charges. once i noticed them i cancelled my card and filed a dispute. they denied my claim because they said the charges happened before my card was reported stolen.. i told them they were fraudulent and they asked for proof. i sent the proof to which they denied it again and closed the investigation. they then said if i filed a police report that they could reopen the investigation. when i filed a police report i called them to give them the report ID number and they said since it had already been investigated twice that they wouldnt do anything for it. i cancelled my card, sent them proof, and filed a police report. and they have been consistently denying me and i dont know what else to do. if it was a smaller amount, i could let it go but this is $ XXXX in fraudulent charges.

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 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed explanation of the procedures used to reinvestigate disputed information. I specifically requested key details, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXX period required by law. This failure to respond constitutes a violation of my rights under the FCRA.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
On XX/XX/year>, I sent a written Debt Validation Request via Certified Mail to IQ Data XXXX regarding account # XXXX. As of today, I have not received any response validating this debt. Despite this, the account continues to appear on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease all collection activity until the debt is validated. I am requesting the CFPB investigate this failure to respond and have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am submitting this complaint regarding ongoing escrow servicing errors by Newrez related to my mortgage account. Despite repeated attempts to resolve the issue directly with the servicer, Newrez has continued to demand escrow payments that are not owed, failed to properly apply payments, and threatened adverse credit reporting. The issue involves property taxes for XXXX and XXXX, both of which were already paid in full. I previously provided documentation confirming these tax payments. XXXX XXXX has confirmed that it did not receive any XXXX tax payment from Newrez, even though Newrez claimed a payment had been sent. Regardless, the XXXX taxes have already been satisfied so no escrow collection should be required. Newrez representatives confirmed that a refund check related to the second half of the XXXX property was received on XX/XX/XXXX. However, there is no evidence that these refunded funds were properly reapplied or credited to my account. Despite this, Newrez used the alleged escrow shortage as a basis for denying my request to close the escrow account on XX/XX/XXXX, stating there was a 'negative escrow balance '. Despite receiving documentation confirming the taxes were already paid and acknowledging receipt of refunded tax funds, Newrez has refused to conduct a corrected escrow analysis to reflect the actual tax obligations. Despite having this information and supporting documentation, Newrez has failed to correct the escrow balance and has continued collection activity. Specifically : - An improper escrow shortage/payment demand remains on the account. - A late fee was incorrectly assessed. - My XX/XX/XXXXXXXX principal and interest payment was not properly applied. - I received notices threatening negative credit reporting relating to this disputed escrow issue. To avoid further harm to my credit and mortgage account, I submitted the requested escrow payment for XX/XX/XXXXXXXX under protest. This payment should not be interpreted as agreement that the escrow charge is valid. I have already provided supporting documentation to Newrez and am able to provide it again as needed.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I am filing a complaint regarding the way my dispute was handled by Current Bank. I believe the bank failed to properly investigate my claim and unfairly denied my dispute despite receiving the exact documentation they requested. Here is the timeline of events : I submitted a dispute regarding a charge related to a subscription/service that I had already canceled. The bank requested proof that I canceled the subscription. I provided the cancellation proof exactly as requested. Within approximately one hour of receiving my documentation, the bank denied my dispute, stating that the proof did not support the claim. The denial appeared to happen so quickly that it does not seem my evidence was meaningfully reviewed. After denying the dispute, the bank required me to file an appeal. Because the dispute was moved into an appeal process, I was informed that I was no longer eligible for provisional credit. It has now been approximately 15 days since the appeal was submitted, and I have not received any meaningful update or resolution. My concerns are : The bank requested specific evidence and then dismissed that exact evidence without proper explanation. The speed of the denial raises concerns that the investigation was not conducted fairly or thoroughly. The appeal process appears to have been used to delay resolution while also denying provisional credit. Communication regarding the status of the appeal has been inadequate. I am requesting that the CFPB review this matter and require the bank to : Conduct a proper investigation of my dispute and appeal, Provide a detailed explanation of why my cancellation proof was rejected, Review whether provisional credit should have been provided during the investigation, Ensure compliance with applicable consumer protection and electronic funds transfer dispute regulations. Thank you for your assistance in reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
Here is an email I wrote to reliant capital solutions on XX/XX/XXXX regarding debt validation I never received To Whom It May Concern, This correspondence concerns a collection account reported in my name in the amount of {$550.00} and associated with Reliant Capital Solutions , LLC. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this alleged debt. Until such validation is provided, I dispute the validity and accuracy of this account. Please provide the following documentation in writing : Verification that I am the correct debtor, including documentation linking this alleged account to my identity A copy of the original contract, billing statements, or enrollment records bearing my name and signature ( if applicable ) The full legal name and address of the original creditor A complete itemized accounting of the balance, including principal, interest, fees, and dates incurred Documentation establishing that Reliant Capital Solutions , LLC has legal standing and authorization to collect on this account and to report it to the credit bureaus The date of last activity and whether the alleged debt is within the applicable statute of limitations Until such time as the above information is provided, I request that all collection activity and credit reporting related to this account be suspended, consistent with federal law. Please provide the requested documentation in writing to the email or mailing address listed below. This request is made in good faith for the purpose of verification and record clarification. Thank you for your cooperation. Respectfully, XXXX XXXX XXXX : XXXX Here is the response from capital solutions on XX/XX/year> Thank you for contacting Reliant regarding this matter. Reliant has updated its records to reflect your dispute and have requested supporting documentation which will be sent to you upon receipt. Regards, Reliant Capital Solutions , LLC This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. If you do not wish to receive future communications via email, please unsubscribe here : www.reliantcapitalsolutions.com/unsubscribe. Please note it may take up to 72 hours to process your request. CONFIDENTIAL NOTICE : If you have received this email in error, please immediately notify the sender by email at the address shown above. This email may contain confidential or legally privileged information that is intended only for the use of the individual or entity named in this email. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or reliance upon the contents of this email is strictly prohibited. Please delete from your files if you are not the intended recipient. Thank you for your compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX, I initiated a transfer from my XXXX XXXX account at XXXX XXXX XXXX to my XXXX bank account at XXXX via Western Union ( MTCN : XXXX ). My funds have been on hold since then. I received an email from Western Union requesting personal information verification, which I provided immediately ; however, I have not received any further updates or confirmation. I have contacted Western Union customer service several times, but they have been unable to help, stating only that the transaction is 'under review ' without providing a reason or a resolution timeline. It is important to note that both the sending and receiving accounts are in my name, and all personal information matches perfectly on both ends. I am requesting the immediate release of my funds or a clear explanation for this unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
Three years, I've been trying to get a new debit card from CashApp/Block , Inc . They keep telling me that my address is listed as a business address, and will not offer any solutions to fix it. They will not allow me to order a debit card, because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a Capital One checking and XXXX account. On XX/XX/XXXX at XXXX PM an unauthorized transaction of {$670.00} was made on my account for XXXX. The moment I saw the transaction I called Capital One to dispute it. They gave me a temporary payment for it and opened a claim and then a few weeks later the claim was denied. Claim number : XXXX On XX/XX/XXXX the claim was denied. I followed up and asked why it was denied and asked for the evidence that helped them make their decision. They gave me a XXXX excuse about saying it was me because the ip address was in NC. And I do live in NC but the transaction was still not made by me. That is not enough proof to prove that it was me. The money was taken out of my accout because it was denied and I was left with a negative account. So I filed a police report and called Capital One and they opened a claim once again. Police Report ( XXXX, NC ) : XXXX Then a few weeks later it was denied again. And at this point I am already frustrated because my account is in the negatives because they take the {$670.00} out of my account and leave me with nothing. Then they tell me that they are going to re open the claim and dont provide me with a claim number. And I provide my evidence and proof that it was not me who made that transaction and I call them again. I called on XX/XX/XXXX. They tell me that they cant do anything about it and that I need to wait. I have been waiting since XX/XX/XXXX to get this resolved and they dont do anything about it other than deny my claim. Then on XX/XX/XXXX, they made an offset on my account and took my rent money that I had in my savings and used to recover the {$670.00} and put my checkings back in good standing. They took my own hard worked money to cover the amount that was originally taken by a thief. I want and need this resolved because I have been put in this horrible situation and cant afford to have my money taken from me. And Capital One is making it so complicated and their customer service is just terrible.

Company response to consumer: Closed with explanation