vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I deposited a self-written home equity line of credit ( HELOC ) check from another financial institution to my Chase bank checking account to use for renovations on a real estate project. This is something I've done several times as a business practice. XXXX always puts a mandatory XXXX  day hold on my money. I made this deposit in-person at the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 
I was given a number I could call to have those funds released earlier. I called that number on Friday, XX/XX/XXXX and was told it could still take up to XXXX  days to have those funds released. 
On Monday, XX/XX/XXXX, I checked my account online to see that my check had been returned and that my account was marked as overdrawn and subject to overdraw fees. There is no reason for this because I never XXXX on that money because I was waiting for funds to clear. This is also a HELOC check from another reputable bank on an account I've used multiple times. I checked with the issuing bank and there was no problem on their end. I then entered the same physical XXXX branch where I'd made the deposit. The teller XXXX was absolutely no help and told me she couldn't assist me and that I would need to call the customer service number instead. 
I then called into the call center only to be told that last week, they were made known that there was a still-unresolved technical issue that bounced all customer deposits that were made in-branch locations. Still to this date, this issue is unresolved and they've made no attempt to contact customers of this. I was also told that there was nothing that could be done because the issue was still ongoing and there was no guidance on next steps because they didn't know what to do. This is unacceptable and irresponsible. I'm unable to use the money to cover my business transactions because of their ineptitude. Further, the teller XXXX should have been able to communicate this issue to me and instead turned me away. If there is a technical issue damaging customers ' financial livelihood, we should be made aware of this at the very least.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I have been with XXXX XXXX  for XXXX years payment history excellent I called them multiple times times in XXXX I was sick and I only had like {$800.00} of my payment for XXXX and I would have the rest by XXXX for XXXX payment and Still have XXXX payment too they made arrangements with me and I had rest of XXXX payment and XXXX payment paid in full in XXXX they still put it on my credit as late even though I called them several times kept in touch like they said and made my payments For the last XXXX  months they have been reporting wrong dates on my credit report i feel that even the XXXX late payment should be removed because I did contact them several times and I did pay the majority of the payment in XXXX and the rest in XXXX of XXXX payment like we agreed which was less than XXXX dollars and XXXX payment was made on time too I have been an excellent customer for XXXX  years and being sick caused the XXXX payment issue that they claimed they was working with me on but still turned it in on my credit report Now that XXXX trying to do financial things this is preventing me from it because they are playing games with my credit report I believe that the late payment should come off of my credit because all of the things I have been XXXX  with them and I believe they XXXX  have put it on my credit report in the XXXX  place because I was staying in contact with them and making arrangements like they told me too they told me if I would stay in contact with them they would work with me but they XXXX  they actually hurt me by putting it on my credit report I have evidence of everything XXXX saying with credit bureaus with them reporting constantly the wrong information on my credit reports and them being rude and not helping me when I try to talk to them and I have reports where they have destroyed my credit with all this I would like for all this to be taken off of my credit with all credit bureaus so I can refinance pay them completely off what they are owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
on XX/XX/scrub>XXXX  I received email stated this company is trying to collect {$900.00} but would settle for {$400.00} not sure where this debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I am writing to dispute inaccurate and unverifiable medical collection accounts currently appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: AZ

Complaint narrative:
I am a victim of identity theft, and several accounts appearing on my TransUnion credit report do not belong to me. I submitted a formal identity theft report, proof of identity, and all required documentation under FCRA 605B. Despite this, TransUnion continues to report these fraudulent items. They have repeatedly denied my disputes and marked the information as verified without conducting a proper investigation. Their actions show a clear failure to follow FCRA procedures, including their obligation to block identitytheftrelated information within four business days after receiving the required documents.TransUnion is violating the FCRA and my rights as a consumer. I am requesting the CFPBs assistance to ensure TransUnion complies with FCRA 605B, removes all fraudulent information, and corrects my credit report as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint to dispute an account that is being reported and collected inaccurately. I am disputing this debt in full. The same alleged account is appearing multiple times on my credit report under different portfolio tradelines, including Portfolio and Portfolio RC. 

- PORTFOLIO RC 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 Each tradeline shows the same balance of {$2100.00} and lists the same original creditor, Synchrony Bank XXXX However, the entries contain conflicting account statuses, dispute notations, and verification dates. Reporting the same debt more than once is misleading and creates an inaccurate credit history, which is not permitted under the Fair Credit Reporting Act.

Issues with the reporting include : One alleged debt appearing under multiple portfolio accounts One tradeline marked Open while another is marked Closed Conflicting dispute notations, with one showing Account disputed and another showing Account not disputed A remark stating resolved ; customer disagrees, even though no resolution or documentation has ever been provided to me Inconsistent and unverifiable reporting and verification dates This duplicate reporting falsely exaggerates the level of delinquency and misrepresents my credit profile.

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 and 1681s-2 ), I am requesting proper validation of this alleged debt and an explanation for why multiple tradelines are being reported for a single obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Complaint Summary : Truist Bank has wrongfully withheld {$100000.00} of my business funds for more than fifteen ( 15 ) months without providing a written legal justification, statutory authority, or definitive release timeline, despite repeated requests and full cooperation. 

Detailed Description : On XX/XX/year>, I opened XXXX business accounts ( a general business checking account and a lottery account ) at Truist Banks branch located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I submitted all documentation requested at account opening and deposited a total of {$110000.00} ( {$100000.00} by check and {$10000.00} in cash ). 
The {$100000.00} check was credited to my account on XX/XX/year>. Based on the balance reflected by Truist, I issued a {$60000.00} check to the seller from whom I purchased the business. That check was returned unpaid despite sufficient available funds.

When I contacted the branch, a teller provided a printed statement confirming adequate balances. Neither branch staff nor the branch manager could explain why the check was returned. I was instructed to resubmit documentation, which I did in full. 
Over the following weeks and months, I made repeated in-person visits and phone inquiries. I was consistently told the matter was under review by corporate, without any written notice, explanation, or timeline. 
Eventually, Truist closed my accounts and stated that my funds would be returned via cashiers check. I received a cashiers check for {$10000.00} only. The remaining {$100000.00} has not been returned.

I contacted Truists customer service line multiple times and was told the funds were under review and would be released before XXXX. That did not occur. As of today, more than fifteen months have passed. Truist has provided no written explanation citing any legal or regulatory basis for holding my funds.

Regulatory Concerns : Truists conduct raises concerns regarding : Failure to provide required written notice or explanation for extended fund holds Unreasonable delay in releasing customer funds Retention of funds after account closure without lawful justification While a bank may terminate a customer relationship, it does not have the right to indefinitely retain customer funds absent legal authority and proper notice.

Harm Caused : The prolonged withholding of {$100000.00} has caused significant financial harm, including the loss of business opportunities, the forced sale of another business, mental illness, and the loss of employment. These damages were foreseeable and directly related to Truists actions and inaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
MY WELLSFARGO XXXX HAS BEEN SHUT DOWN WITHOUT ANY NOTIFICATION TO ME AS WHEN OR WHY. I HAD A RENTER THAT WAS GOING TO BREAK HIS LEASE, OUR CONVERSATION WAS IF HE DOES HE WOULD BE RESPONSIBLE FOR RE LETTING AND A FORFIT OF SECUITY DEPOSIT. SPOKE ABOUT HIM PAYING LAST MONTH RENT AND I WOULD RETURN HIS DEPOSIT. WHEN I RECEIVED MONEY FOR RENT BY XXXX, I XXXX  HIM BACK HIS DEPOSIT .. FROM MY UNDERSTANDING HE THEN WENT TO HIS BANK AND SAID THAT WAS A FRAUDULENT TRANSACTION ON HIS PART.. SO WITHOUT ANY NOTIFICATION MY XXXX WAS SHUT DOWN I WAS NOT AWARE UNTIL I TRIED TO SEND MONEY TO MY WORKERS. I HAVE BEEN WITH THIS BANK FOR 30 PLUS YEARS AND FEEL THIS WAS UNJUSTIFIED TO ANY PERSON. I WOULD THINK THAT I SHOULD HAVE BEEN INFORMED AND GIVES EAQUAL OPPERTUNITY TO PLEA MY CASE. I HAVE CORISPOND WITH BANK ON SEVERAL OCCASIONS TO NO AVAIL. THEY SAY ONLY WAY TO GET IN REINSTADED IS FOR THE RENTER TO DROP THE CLAIM NOTE : YOU WOULD THINK THAT IF THIS WAS LIGIT ACCUSATION THAT THEY WOULD HAVE PULL THE FUNDS FROM MY ACCOUNT. THIS HAS TOTALLY MESS UP MY BANKING. I CANT EVEN GET INTO IT FOR TAX PURPOSES. AS A RESULT I FILED CLAIM AGAINST RENTER FOR DEPOSIT I SENT HIM. I WAS DENIED ACCORDING TO WELLS FARGO. ITS NOT THE MONEY, ITS THE WAY THEY S.HUT ME DOWN AND CAUSED SUCH TURMOILFOR ME AND MY VENDERS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, Citibanks incredibly flawed system prompted me to sign up for a credit card at checkout on XXXX XXXX for a ticket then bamboozled me and refused to provide my account information to actually make the purchase when I was approved. My credit has now taken a hit. 
I downloaded the app. Created an online account. Customer service refused to help me. Would not provide me any of my information. I couldn't even get my CVV number. They would also not allow me to cancel my account. 
I am requesting that the inquiry and application I made to Citibank be removed from my records and something be done about their advertising.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I noticed that my FHA mortgage account is being reported with a balance of {$510000.00} and showing multiple late payments, including 30-day, 60-day, and 90-day past due statuses. The account reflects several late payments and a past due amount, even though I disputed this information. 

Despite the dispute, the account continues to be reported as 90 days delinquent, and the dispute is not clearly reflected. The late payment history being reported does not seem accurate or consistent with my understanding of the account. 

I contacted the mortgage servicer and requested a review of this information, but the reporting has not been corrected. There are also inconsistencies in how the payment history and dates are shown, which adds to the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA 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: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Beginning XXXX  I inquired about a lower payment option because I was offered to retire early and realized my income would be lower. The reps at the lending company told me they could not do anything for me unless I was 30 days past due. I went back and forth of this decision, which meant I would ruin my credit by not paying my mortgage for 2 months in order for the company to work with me. 
My payment had jumped during a refi in XXXX  from {$2200.00} to {$4100.00} and after retirement, XX/XX/XXXXXXXX  my income went from {$7300.00} and not paying health ins. to {$4200.00} and having {$500.00} insurance to pay. 
After explaining this to the company, they refused to take my proof of income when I offered to send it. They said they do it all by verbal intake ( " streaming '' ) on the phone. 
Eventually they offered me {$3200.00} a mo, and I said it was too high still, that I was hoping for closer to {$2200.00} ... and I asked how they calculated the number. None of the 3 representatives could answer that. I always emailed the company documenting my questions and phone call summaries. Still nobody told me of the calculations. 
I asked many times what happens if I reject the offer? They continuously eluded that my loan would go into foreclosure and that they could not tell me if my modif could go back into review with underwriters. I also offered to show my income etc... 
I felt pressured to take the offer, which I messaged them that I was pressured into it, due to lack of information. 
In setting up payments, I was told if I paid the last day of the month XX/XX/XXXXXXXX  the payment would count for XXXX. 
I accidentally paid 2 times. One payment was from the lenders withdrawing and one was an accidental bank auto pay. I immediately informed the lending company of the mistake XX/XX/XXXX. Again the same disrespectful and unhelpful loss mitigation rep told me that she can not request anything but the regular reps can request it, but no guarantee. 
This is the same thing that happened when an auto payment went through on accident last year as well, and again nobody helped me. I was out $ XXXX and they did not care. 
So I have emailed them and I went into my bank and got them the evidence that 2 payments were made the same week for the same XXXX payment. They still have not reversed the duplicate payment. 
2 issues : one is a duplicate payment that they will not give back, and the other issue is they have not told me how the modif amount was calculated... I still need a lower payment. I am living off savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: UPGRADE, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding a refund for my Upgrade/Uplift account. The original refund amount was {$580.00}. On XX/XX/year>, Upgrade/Uplift informed me that the initial refund attempt to the account ending in XXXX did not locate an account and the funds were returned. They stated that the refund had been escalated for a reattempt to be submitted no later than XXXX XXXX  XXXX on XX/XX/year>, and that I would receive a follow-up confirmation once the funds were successfully disbursed. 

However, I was later told that the refund amount would be reduced due to charges or interest, without receiving a detailed explanation or documentation. 

I have formally requested the following information from Upgrade/Uplift : 1. A complete, itemized breakdown of any and all fees or charges applied or deducted from the refund.
2. The trace number or transaction reference for the attempted refund deposit.

3. The rejection code explaining why the initial refund attempt was unsuccessful. 

Despite these requests, I have not received the requested documentation, nor have I received my full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A one-time payment of {$7500.00} was initiated by me and was transferred from my checking account to the balance on my Bank of America credit card on XX/XX/XXXX. Another {$7500.00} payment was transferred from my checking account to my credit card on XX/XX/XXXX, resulting in an almost {$7000.00} credit on my credit card and a negative balance in my checking account. I immediately called the credit card company ( Bank of America ) to correct and they informed me that it would take up to 10 days for the refund to be processed and that they will not cover any bank fees, etc. I accrue, due to the insufficient funds in my account due to this error. B of A state that I set up a one time payment as well as a one-time auto pay withdrawl both of {$7500.00}, which I deny. The one-time payment occurred on XX/XX/XXXX and my fixed auto payment occurred on the XXXX. My auto payment has been a fixed amount of {$500.00} to be paid on the XXXX of every month for several months but they say I changed it to pull the {$7500.00} only for XXXX of XXXX. I can not review my scheduled auto pay but B of A swears it is at the {$500.00} amount at this time.

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 2026-01-13 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I enrolled in coaching with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), financed through Affirm. On XX/XX/year>, I told my XXXX  I wanted to end coaching and on XX/XX/year> sent a certified termination letter. On XX/XX/year>, XXXX XXXX, who sold me the coaching contract, called and pressured me to transfer my balance to another product. 

After several calls from XXXX, I received an email from senior coach XXXX XXXX on XX/XX/year> and replied on XX/XX/year> asking that that my contract be terminated .. On XX/XX/year>, Affirm emailed that my dispute was settled and that XXXX XXXX XXXX XXXX issue a {$3400.00} refund. Despite this, Affirm kept billing me, adding late fees, and sending daily collection calls and texts. 

I mailed a certified dispute letter to Affirm on XX/XX/year>, which was returned due to an incorrect address, and re-mailed it to the correct Pittsburgh address on XX/XX/year> with the refund notice enclosed. After the holidays, my portal showed the dispute closed again with Affirm stating I was still responsible. I called Affirm on XX/XX/year> ( Dispute # XXXX ). No refund has been applied, and I continue to receive billing and credit threats for a balance that should have been cleared.

Company response to consumer: Closed with explanation