vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Another incident took place with Ally Bank. As they stated on numerous calls I made to their overseas office the past few months, I told on their recorded line I would wire them the balance and they would not repossess work van for my business. I have not received those recorded calls I requested. I wired the overdue balance and tow company expense at XXXX XXXX on XX/XX/year>. The total was {$1600.00}. I called them to get car released. They told me to call XXXX XXXX XXXX in XXXX TX for release. I call XXXX XXXX XXXX said the vehicle was picked up by XXXX XXXX XXXX in Indiana for the repossession. I contact XXXXXXXX XXXX XXXX, they told me they were told by Ally bank to remove my XXXX plates and take car to auction. They dropped it at XXXX on XX/XX/year> after my wire was paid in full, I had a zero balance. This van is my livelihood. XXXX XXXX tells me to call the XXXX XXXX XXXX to ask about my XXXX. XXXX rep tells me they have no authorization to give me the car and I have to go back to Ally bank. After hours and hours Ally Bank send 's to authorization. XXXX tells me the car doesnt start and has issues, they tell me it may be an electrical issue. I may now have a vehicle issue that I cant afford to be fixed, Ally accepted my wire and sent car to auction anyway, I have a possible broken car and still unable to talk to a manager at Ally Bank. The car ran fine before the repossession.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
In approximately XXXX of XXXX my phone number changed from ( XXXX ) XXXX to ( XXXX ) XXXX, I no longer have any access to the prior phone number. My email associated with the Coinbase account has remained the same. My XXXX is linked to that number, I have submitted multiple support tickets dating back to XX/XX/XXXX in chronological order : XXXX, XXXX, XXXX, XXXX, and XXXX. All tickets are acknowledged as received but ultimately are not responded to and closed out leaving me back at square one with no access to my account. I have offered to produced government issued identification to prove my identity and unlock my account. I can not use the support phone number because when I call it says my number is not associated with any account and directs me back to the website to submit a help ticket. There are assets in my account which Coinbase is intentionally blocking my from accessing. I need the CFPB to step in and assist so they don't take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To the people of Cfpb I am submitting this formal complaint regarding XXXX failure to properly investigate and resolve unauthorized transactions on my account, which resulted in a financial loss of {$7000.00}. At the time of these incidents, I was deployed to XXXX as a Department of Defense civilian contractor. During my deployment, my XXXX account was compromised by an unauthorized individual. This individual fraudulently altered my VA benefits direct deposit information and redirected my funds into my XXXX account without my knowledge or consent. XXXX unauthorized deposits were made and subsequently taken : - {$5500.00} - {$1500.00} I want to be absolutely clear : I did not authorize any changes to my account, nor would I ever designate XXXX as a financial institution to receive my VA benefits. XXXX is not a bank, and I would not entrust it with direct deposit of government benefits. Despite reporting this fraud, XXXX failed to conduct a proper investigation. More concerning, I was not given any meaningful opportunity to submit critical supporting documentation, including : - An official police report documenting the fraud - Federal deployment orders from the Department of Defense verifying my presence overseas at the exact time these transactions occurred This evidence clearly demonstrates that I could not have authorized or participated in these transactions. XXXX failure to review evidence, properly investigate, and protect my account constitutes negligence and a failure to comply with consumer protection standards regarding unauthorized electronic transfers. I am requesting the following : 1. Immediate reimbursement of the full {$7000.00} taken from my account 2. A formal review of my case including all supporting documentation 3. A written explanation of why my claim was previously denied or mishandled If this matter is not resolved promptly, I will continue pursuing formal complaints through the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I am prepared to explore all available legal remedies. I expect a timely and thorough response. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
Sent a XXXX letter concerning a Loss Mitigation application taking longer then 30 days and no written response within 5 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I didnt know anything about this loan I will like this delete or remove from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information please contact me at : 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 non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry Portfolio Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$4500.00} collection on my XXXX credit report originally owed to XXXX ( account # # # # # # XXXX, assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' Cavalry has not provided debt validation. I am an XXXX consumer requesting : ( 1 ) original signed XXXX account agreement; ( 2 ) date of first delinquency XX/XX/XXXX verified ; ( 3 ) complete chain of ownership from XXXX XXXX Cavalry Portfolio Services ; ( 4 ) confirmation that no unauthorized post-charge-off interest was added per XXXX XXXX XXXX XXXX Services, 7th Circuit XXXX. If Cavalry can not validate with full original documentation, delete this account from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2026 Bank of America offset {$2200.00} from my checking account ( XXXX ) to settle a debt owed on a business credit card that was terminated over a year ago. They did not give proper notification prior to the transaction and I did not authorize them to take my money, essentially leaving me with nothing left in my account. They claim they have the right to offset my account for balances owed, however, thats only if I give them written authorization which I did NOT. This is a blatant violation of the Fair Credit Billing Act. I need my money back NOW!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank no longer accepts payments from my XXXX XXXX account. I have spoken with Citibank multiple times in hope that they would fix their payment system ; as every other creditor has. I have acknowledged that my debt is my responsibility ; however, the new account constraints has led to late payments and extra finance charges. During conversation about closing my account and resolving my debt, citi bank informed me that we can close my account, lower my interest to approximately 10 percent, and make XXXX dollar payments to resolve my debt. They informed me that I would loose access to my account but I would be able to use my card to login and setup a new portal. They also said this would require a " Good Faith payment '' in order to initiate the process. I have made my good faith payment in the timely manner that they asked, received a letter of acknowledgement, but haven't received any information about my account status or balance. When I called them, my summarized conversation consisted of : I need to pay xxx dollars by a specific day each month. And they were unwilling or unable to setup an online portal for me to monitor my account. I told them that I will not continue to make payments with this information and the rude representative told me that I will be receiving a tax form. Right now, my payment is barely delinquent and I still have not received any additional information other than an acceptance letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$620.00} collection on my Equifax credit report originally owed to Citibank ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' XXXX has not provided debt validation. I am an Illinois consumer requesting : ( 1 ) original signed Citibank account agreement; ( 2 ) date of first delinquency XX/XX/XXXX verified ; ( 3 ) complete chain of ownership from Citibank to XXXX ; ( 4 ) confirmation that no post-charge-off interest was added to this balance the 7th Circuit Court of Appeals XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) documented XXXX 's pattern of adding unauthorized interest to purchased accounts. If XXXX can not validate with original documentation, delete this account from all three bureaus immediately. I am filing separate complaints for XXXX additional Cavalry accounts on my report and simultaneous complaints with the FTC and XXXX AG.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Cavalry Portfolio Services ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$620.00} collection on my Equifax credit report originally owed to XXXX ( account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' Cavalry has not provided debt validation. I am an Illinois consumer requesting : ( 1 ) original signed XXXX account agreement; ( 2 ) date of first delinquency XX/XX/XXXX verified ; ( 3 ) complete chain of ownership from XXXX to Cavalry ; ( 4 ) confirmation that no post-charge-off interest was added to this balance the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cavalry Portfolio Services, XXXX ) documented Cavalry 's pattern of adding unauthorized interest to purchased accounts. If Cavalry can not validate with original documentation, delete this account from all three bureaus immediately. I am filing separate complaints for XXXX additional Cavalry accounts on my report and simultaneous complaints with the FTC and XXXX AG.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : [ XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana ] Date : [ XX/XX/year> ] RE : FORMAL COMPLAINT DECEPTIVE PRACTICES & MISREPRESENTATION BY USCB CORPORATION / XXXX XXXX To the CFPB, I am filing this formal complaint to demand the immediate removal of a derogatory collection entry on my Equifax credit report from USCB Corporation regarding a balance with XXXX XXXX XXXX. This reporting is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) based on the following : 1. Direct Misrepresentation : During a phone conversation with the original creditor approximately one year ago, it was explicitly stated and verified by their representative that this account would not be reported to the credit bureaus. I relied on this professional assurance when managing my financial priorities during a time of limited funds. The sudden appearance of this collection is a breach of the verbal agreement and a deceptive act. 2. Lack of Proper Notification : I was never provided with a written validation notice informing me that this stance had changed or that the account was being moved to a reporting status. Reporting a debt after explicitly stating it would not be reported constitutes an unfair and deceptive debt collection practice. 3. Failure to Verify : I dispute the validity of this debt and the authority of USCB Corporation to report it. I demand a full " Media Pack, '' including the original contract showing my authorization for third-party credit reporting and an itemized ledger of the alleged balance. Requested Resolution : Because this reporting contradicts the express verbal verification I received and violates federal law regarding deceptive representations, I demand that the CFPB compel USCB Corporation to delete this account entirely and permanently from Equifax, TransUnion, and Experian. I intend to resolve the underlying balance directly with the school, but I will not allow my credit to be harmed by unverified and misrepresented reporting. Account Details : Collection Agency : USCB Corporation Original Creditor : XXXX XXXX XXXX Reference/Account # : [ Insert from your report if available ] Thank you for your assistance in holding these entities accountable to the law. Sincerely, [ XXXX XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
A collection account for {$190.00} related to XXXX was reported on my credit report by Transworld Systems Inc. in early XXXX. I had already moved out of XXXX, XXXX approximately XXXX XXXX prior to the collection being reported, and my final bill with XXXX had been settled at that time. This further indicates that the reported balance was inaccurate and should not have been placed into collections. This account was inaccurate and resulted from a billing/credit issue. Despite this, it was placed into collections and reported as past due, negatively impacting my credit profile. I disputed this account with the credit bureau, and after investigation, the account was deleted due to inability to verify the debt. This confirms that inaccurate and unverifiable information was reported to the credit bureaus, which should not have occurred under the Fair Credit Reporting Act ( FCRA ). As a result of this inaccurate reporting, my credit score and financial standing were negatively affected during the time the collection was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date XX/XX/XXXX : XXXX XXXX : Amount {$130.00} Reported unauthorized ACH to Bank of America Fraud & made police report and Bank of America return funds. Date XX/XX/XXXX : The Helix : Amount {$1200.00} Reported unauthorized ACH to Bank of America Fraud and still researching 2nd claim. Bank of America has not return funds. Made Police Report. Date XX/XX/XXXX : The Helix : Amount {$1000.00} Reported unauthorized ACH to Bank of America Fraud and still researching 2nd claim. Bank of America has not return funds. Made Police Report. Date XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of America Fraud and made police report and Bank of America return funds. Date XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of America Fraud and made police report and Bank of America return funds. Date XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX : Amount {$1500.00} Reported unauthorized ACH to Bank of America Fraud and Bank of America return funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
In XXXX, my federal student loan servicer was transferred from XXXX to XXXX without adequate notice. Prior to the transfer, I was making payments to XXXX via check with no missed or late payments. Following the end of forbearance, I made a payment of {$1500.00} in XX/XX/year> and {$1500.00} in XX/XX/year> both above the minimum required amount demonstrating a consistent and good-faith effort to stay current and actively pay down my loans. In XX/XX/year>, I submitted an additional {$1000.00} payment to XXXX. This check was never cashed, which I now understand to be the point at which the servicer transfer to XXXX began. I was never notified by either XXXX or XXXX that my servicer had changed, that my payment destination had changed, or that a new account had been established with XXXX. I continued sending checks to XXXX as I had been doing, and those checks were neither cashed nor forwarded to XXXX. During the months of XXXX, XXXX, and XX/XX/year>, XXXX made no attempt to contact me by phone or email to inform me that payments were not being received. I received no notice of a first missed payment, no notice of a second missed payment, and no warning of any kind that my account was becoming delinquent. The only way I became aware of the situation was when I received a credit monitoring alert in XX/XX/year> notifying me that my XXXX XXXX had been severely impacted. By that point, XXXX had already reported XXXX late accounts across my loan group with 90 days of delinquency a reporting that caused my XXXX XXXX to drop over XXXX points. Upon receiving that alert, I immediately brought all accounts current and have continued to make payments afterwards. The delinquency was entirely the result of a failure by the servicers to provide adequate transition notice, failure to cash or forward a payment submitted in good faith to the prior servicer, and failure to make any outreach during three months of reported non-payment despite my demonstrated history of making above-minimum payments leading up to the transfer. I am requesting that the late payment notations be removed from my credit report on all affected accounts, as the delinquency was caused by servicer error and not by any willful failure to pay on my part. I have already submitted a goodwill adjustment request directly to XXXX, which was denied with the response that the reporting was " out of their hands because it was already reported to the credit bureau '' which I do not believe to be accurate or acceptable given the circumstances described above.

Company response to consumer: Untimely response