vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I disputed this Toyota Financial Services auto loan with both the credit bureaus and directly with the furnisher from XX/XX/XXXX through XX/XX/XXXX. Despite multiple disputes, the account continues to report inconsistently across bureaus. XXXX has deleted the account, yet it remains on XXXX and XXXX with materially conflicting information. The reporting is not uniform and raises serious concerns regarding accuracy and reinvestigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally protest the unfair closure of my personal and business accounts including why abruptly this was closed without any consideration or notice before hand. I had the citi business aa ending in XXXX add another business card ending in XXXX, personal XXXX ending in XXXX. I have been a loyal customer for a long time and have always maintained my account in good standing. The notification provided no specific, valid reason for this abrupt termination, which I believe is unjust. As a result of this sudden closure, I have lost not only innumerable points and cash rewards from the cash back from XXXX that I had rightfully earned. These rewards were accumulated through my consistent, responsible, and compliant use of the card. Forfeiting these rewards, particularly in the absence of a clearly explained violation of the terms of service, is unacceptable. I request that you investigate this matter immediately and take the following actions : Provide a specific, written explanation for the closure of my account. Reinstate my account or, if that is not possible, reinstate/pay out the full value of the rewards I have accumulated to date. I hope you can help me reinstate my account or provide insight as to why it was shut down inappropriately and what my recourse is. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent a written validation request to XXXX XXXX XXXX requesting documentation verifying the alleged debt and their authority to collect and report the account. The request was sent via certified mail and delivered according to XXXX tracking. Despite receiving the request, XXXX XXXX XXXX failed to provide any documentation validating the alleged debt. The account continues to be reported on my credit reports. I also disputed the account with the credit reporting agencies. The credit bureaus responded that the account was verified, however XXXX XXXX XXXX has not provided documentation verifying the alleged debt. Additionally, the account has appeared multiple times on my credit report as duplicate entries representing the same alleged debt. Reporting duplicate accounts significantly impacts my credit profile and may constitute inaccurate or misleading reporting. Because XXXX XXXX XXXX failed to provide adequate validation of the debt and the credit bureaus continue to report the account as verified, I believe the investigation performed was not reasonable as required under the Fair Credit Reporting Act. XXXX Certified Mail delivery confirmation : XXXX XXXX XXXX XXXX # XXXX ( Delivered XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
Rocket Mortgage has taken over at least one of my mortgages. It is a low intrest loan I have had for 4+ years. It is a practice for banks and lending institutions to make errors or have issues with payment procedures. These errors, changes, or other means of increasing late payments, or other errors that would trigger fees or increases in intrest calculations are used as income for these organizations. The market or business of holding mortgages must be in trouble right now as Rocket mortgage is expectancy stumbling into that practice. They need to be investigated. Call for finding to gather evidence and convicted. This is as much an attack on XXXX XXXX as fraudsters faking services... except this is attacking someone's home and usually primary asset. Not sure who runs the FTC, but im sure it is deep state and might be complicit in the fraud, padding it's pockets through disbursement or guidance of large companies sick practices of theft from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I financed a new XXXX vehicle through XXXX XXXX XXXX ( BMW Financial Services NA LLC ). Since that time, I have been unable to obtain online access to my loan account. This prevents me from viewing statements, monitoring payment activity, or managing the loan electronically through the companys website. Over the past year ( XXXX ), I have made multiple attempts to resolve this issue by contacting XXXX XXXX XXXX customer support by phone and attempting to access the online portal. Despite repeated attempts, I have not been able to obtain working access to my account or a clear explanation for why access is being denied. Because I was unable to monitor my account online, I was unaware that my bank had failed to send one of my automatic payments. As a result, my account became past due without my knowledge. I did not receive any direct phone calls or email notifications from XXXX XXXX XXXX regarding the missed payment. I later learned that the company reportedly sent letters by mail, but because I frequently work out of town I did not receive them in time to address the issue. The first indication I had of the problem was when two consecutive late payment entries appeared on my credit report. Once I became aware of the issue, I immediately brought the account current without any difficulty. I have since remained on automatic payments and routinely pay more than the contracted monthly amount. However, despite maintaining the account and bringing it current, I still do not have online access to my loan account. The lack of account access has made it unnecessarily difficult to monitor my loan and has already resulted in negative credit reporting that could likely have been avoided if normal account access had been available. On XX/XX/XXXX, I also attempted to contact XXXX and BMW customer service by email using XXXX different published corporate email addresses. Each of these messages was returned as undeliverable, leaving me without any effective written communication channel to resolve this issue. After approximately one year of unsuccessful attempts to resolve this matter directly with the company, I am filing this complaint requesting that XXXX XXXX XXXX provide functional online account access and review the circumstances surrounding the negative credit reporting associated with the missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: RI

Complaint narrative:
Someone hacked my XXXX XXXX account by going through my Coinbase app.he admitted it now Im trying to get my {$2000.00} back. He his happened on XX/XX/year>. This is not the first time his has happened. Previously he stole {$1000.00} back XXXX. The persons name is XXXX XXXX and his email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Refer to my complaint last year with USAA. This stems from that one. But my main complaint is when I filed claims on charges after they investigated they reversed several charges and made the temp credits permanent and stated they found findings in my favor and that the credits were permanent and final. Yet when they closed my acct they were supposed to to send around {$780.00} or so that they froze and was available. And then after a week or so someone went in and manually reversed all of those permanant credits ( around {$350.00} in credits ) which was illegal and thats why they reversed them manually in the amount of each one and didnt even state what charges they were from but as you look on statement they reflected the exact amount of all of the reversal amounts that were made permanent credits. They were not temporary credits. And they didnt reverse the actual credits bc they couldnt. Yet they made new charges and charged my account for each one. And then somehow even more things were charged or deducted as I was suppose to get around {$380.00} and got a check for {$270.00} or so. I tried to talk to and message and email USAA regarding the illegal charges someone did on my account. And how they deducted each charge that was permanently credited back. I want them audited as they seemed very shady and was the worst experience Ive ever had with any bank. They froze my account with over {$1200.00} in it for over 9-10 days and after I transferred {$400.00} to my other acct they then even stopped me from being able to take anymore of my own $ out of it until they reversed several XXXX in charges and never let me have access the entire time. They froze my card one when I was out of state visiting family and said they would unfreeze it after for the 4thr time verifying my identity so I could get gas. And it was still declining and coukd only use atm 1 time and then they froze it again. But my complaint is for illegally charging back several XXXX $ $ in charges that were already made permanant credits on my acct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This incident runs concurrent with complaint number XXXX. My original dispute involved a {$7000.00} CareCredit charge that I authorized for nurse injector training services. I did not authorize any cosmetic procedures or treatments for any third party. During the dispute process, CareCredit denied my dispute without providing the complete documentation submitted by the merchant. I did not receive the merchants supporting documents until after the dispute was denied. After reviewing the information CareCredit later provided, I discovered several serious discrepancies. First, the CareCredit application submitted by the merchant contains handwritten information and a signature that are not mine. I did not complete or sign that application form. I submitted additional documentation and a police report to CareCredit demonstrating my actual handwriting and signature for comparison. Second, the merchant has changed the stated purpose of the {$7000.00} transaction. The merchant is now claiming that the funds were used for cosmetic procedures performed on a third party. I never authorized any payment for cosmetic services for another individual. The individual the merchant claims received these services has never confirmed receiving any treatments paid for by me. Additionally, the merchant has not provided any documentation typically associated with cosmetic procedures, including : treatment records consent forms provider documentation medication lot numbers or serial numbers for injectable products medical chart documentation proof that I authorized payment for any third party Because of these discrepancies, I reopened my dispute with CareCredit and reported the matter to my local police department and the New York State Office of the Attorney General. I am requesting that CareCredit conduct a proper investigation into : The authenticity of the CareCredit application submitted by the merchant The misrepresentation of the purpose of the transaction The lack of documentation supporting the merchants claim that services were rendered I respectfully request that CareCredit review this matter thoroughly and correct the account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MN

Complaint narrative:
I used my Cash App card at a XXXX XXXX XXXX ATM on XXXX at XXXX XXXX I Requested {$200.00} withdrawalit debited {$200.00} from my balance, but the machine only dispensed {$120.00}. No receipt printed. I have a screenshot from Cash App showing the full {$200.00} debit. Already contacted Cash App supportthey said they cant help. This is a short dispense error; please investigate and refund the missing {$80.00} tried calling the 3rd party atm went straight to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Bilt Technologies, Inc.
State: OH

Complaint narrative:
I paid my rent using Bilt ACH, but my bank account was charged twice. I contacted Bilt support but have not received a response. I need help resolving the duplicate ACH charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
in XXXX of XXXX i lost my target card issued by TD bank. several unauthorized transactions were made using the card. i reported the transactions as fraud as soon as i noticed them. i received notice the my claim was denied because my pin number was used for all of the transactions. this is not factual. with this particular card, the pin is only needed when you make a purchase at an actual target store and the card was never used at a target store. i called them to dispute their decision and they informed me i needed to send them a letter through the mail. i did this in XXXX and still have not heard back and still kept getting sent statements in the mail, which i have been paying, for transactions i did not make.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted an application for a HELOC with a local credit union which then reached out to Solar Mosaic on XX/XX/XXXX requesting a subordination letter and provided the required information per their direction which included a copy of the application ( in lieu of the XXXX form ), authorization form and a prepaid label for the return letter. The following interactions will be listed for easier reading. XX/XX/XXXX Package resent to Solar Mosaic, informed to allow XXXX weeks for processing XX/XX/XXXX Package resent, spoke with a XXXX that verified all requested documentation has been received as they were saying the XXXX was missing, stated that it will take another XXXX weeks but they would escalate it and hopefully have it done in XXXX weeks XX/XX/XXXX Package resent XX/XX/XXXX Called in to speak with a XXXX but was transferred to their voicemail, called back and was told I had to schedule a call back to speak with a XXXX which would take place between XXXX hours, received a call back later that day from XXXX and he verified nothing was outstanding and he would escalate my request since he saw that this has been going on since XXXX of last year XX/XX/XXXX Spoke with XXXX, waiting for the package to be reviewed by the subordination department XX/XX/XXXX Informed that is was still waiting for review, asked for a call back from a XXXX and they stated it would be XXXX hours for the call back XX/XX/XXXX Called in as the call back did not take place during the specified time and requested another call back XX/XX/XXXX Called in again as the call back did not take place within the XXXX hours, XXXX informed me that the subordination team was in a meeting and XXXX call back in an hour so I requested another call back, I called back after an hour, and XXXX informed me that we are still waiting and there are no updates XX/XX/XXXX XXXX gave me a call back and informed me that there are no updates and that they can not expediate a request from their end and have to wait for an email with an update Decided to submit the complaint today after this last call as it appears I am being given the run around and empty promises for a request that has been in the works for over 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Truist Checking account with XXXX dollars, they opened without problems then I deposited XXXX, they closed my account, saying that it may be fraud and now I have to wait at least two weeks to get my money back. They kidnapped my money and its not right.

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