vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
I am disputing XXXX rental collection accounts being reported by this firm. The reported balances are inaccurate. I received XXXX rental assistance payments that should have been applied to these accounts, but the balances being reported do not reflect those payments. I requested full validation of the debt, including itemized accounting, payment history, and application of rental assistance funds. The firm failed to provide this documentation. They continue to report these accounts to credit bureaus without proper validation and with inaccurate balances. Reporting a debt without accurate accounting or the ability to verify the balance is misleading and noncompliant with the Fair Credit Reporting Act. I am requesting deletion of these accounts due to failure to properly verify and accurately report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I, XXXX XXXX, am submitting this complaint regarding inaccurate and fraudulent reporting related to an account associated with XXXX XXXX XXXX XXXX and subsequent collection activity. I formally declare that accounts appearing on my credit file in connection with this matter are the result of identity theft, fraud, and/or inaccurate reporting. I did not authorize, apply for, or assume liability for the amounts currently being reported. I originally entered into a lease agreement with XXXX XXXX XXXX XXXX. Due to ongoing tenant harassment and safety concerns that began shortly after move-in and continued throughout my tenancy, I was forced to vacate the premises approximately XXXX months prior to the lease end date. I did not renew my lease, nor did I sign any extension or new agreement. Despite this, the property management company continued to bill me as if I remained in the unit for an additional full lease term after my original lease expired. These charges are false and unauthorized. I have documentation showing the original lease terms as well as records reflecting continued billing after the lease had already ended. Additionally, I experienced highly unusual and concerning activity during this time. Packages were allegedly delivered to the property in my name after I had already relocated approximately XXXX hours away. I did not order these items. These actions created the false appearance that I was still residing at the property when I was not. At the same time, I was the victim of identity theft. My personal documents, including my birth certificate, Social Security card, and other belongings, were stolen. I believe my identity may have been used without my authorization in connection with this matter to falsely represent occupancy or financial responsibility. The alleged balance has now escalated to over {$45000.00} and continues to increase. This account has been placed with a debt collector, XXXX XXXX, and the collection activity has been persistent and distressing. I have disputed this matter with TransUnion on multiple occasions, but the inaccurate information has not been corrected. This notice is provided pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX, XXXX ( b ), XXXX, XXXX, and XXXX ), as well as XXXX XXXX. XXXX. I am requesting : A full and thorough investigation into this account XXXX of the alleged debt with valid documentation XXXX removal of any inaccurate, unverified, or fraudulent information from my credit file XXXX of collection activity unless lawful validation can be provided If any furnisher of information can not provide proper verification, the account must be deleted in accordance with federal law. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My wallet was stolen back in XXXX I just opened a Truist checking account never used it than I go to pay my car note I was instructed that my account is frozen and to call the fraud department. I called the police made a police report cancelled every card I had in my wallet. Apparently whoever stole my wallet had done fraudulent activity and I was told I owe almost XXXX. I asked for a copy of the check that was deposited never got it the only thing that was sent to me was the transactions from the account. I stated that I never used the card and none of the transactions were mines. This investigation lasted almost XXXX months now my car note is compromised and my car was repoed. These people would not help me with anything and as a result of this I can't open any bank accounts.

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 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
My Ally Bank account was locked after I transferred money. I have been unable to access my account, reset my password, or get clear answers despite multiple calls. I am being denied access to my funds without explanation. The only communication I received was an email on Saturday, XX/XX/XXXX, stating that there may have been an attempt to access my profile and that my account was temporarily locked. Since then, I have not received any further updates or clear instructions on how to resolve the issue. The transfer in question was made from my bank in XXXX XXXX to my Ally High Yield Savings Account ( XX/XX/XXXX ). My intention was to then transfer those funds from Ally to my XXXX bank account, as I manage funds between XXXX separate banks. This was a legitimate transfer of my own money. The amount transferred was {$1600.00}, which is well over {$500.00} and represents a significant amount of my personal funds. Being denied access to this money without explanation or resolution for several days is extremely concerning. Additionally, customer service representatives have not answered my questions, refused to assist me properly, and even hung up on me during calls. I have only had this account for about XXXX month, which makes this situation even more concerning and suspicious. I have now been waiting for XXXX days without any resolution or meaningful communication from the bank. This lack of transparency and access to my own money is unacceptable. I am also experiencing difficulty during the verification process. XXXX is my first language, and while I lived in the United States for some time during my active military service in XXXX XXXX, XX/XX/XXXX I am originally from XXXX XXXX and a XXXX citizen. I answer the security questions to the best of my knowledge, but I feel this may be affecting my ability to regain access. I need immediate resolution, a clear explanation of what is happening with my account, and full access to my funds as soon as possible.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
b'Dear Consumer Financial Protection Bureau, I am writina to file a formal complaint against U.S. Bank regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). U.S. Bank advertises that this card provides 5% cash back on XXXX selected categories chosen by the cardholder. I have consistently selected categories such as fast food and ground transportation for the 5% cash back rewards since XXXX XXXX. However, upon recently reviewinq my account transactions anc rewards, I discovered that I have not received the promised 5% cash back on purchases within these selected categories. Instead, it appears that I have been receiving a lower reward rate that is 1%. which does not match the terms advertised by U.S. Bank. This issue is not limited to a single billing cycle or isolated error. I have not received the correct 5% cash back from XXXX XXXX through the present. This suggests a systemic issue or failure bv U.S. Bank to honor the terms of their advertised rewards program. I believe this is misleading and unfair to consumers. I respectfully request that the CFPB investigate this matter and assist in ensuring that:\n\n1. U.S Bank provides a clear explanation for the discrepancy. \n\n2. All missing rewards are properly credited to my account.\n\nI am providing you additional documentation, screenshots of cateqories selected that are required to support my complaint. Thank you for your time and assistance.\nSincerely \nSamreen Thisa NWE'

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 2026-03-30 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding Santander Banks failure to return funds following confirmed fraudulent activity on my account. The total amount of fraudulent activity was partially credited ; however, a remaining balance of {$2300.00} has not been returned to me. I was advised that the fraud investigation could take up to XX/XX/XXXX days, followed by an additional 30 days for the remaining funds to be returned. That full XXXX timeframe has now elapsed, and I am still missing {$2300.00} of my funds. I have made multiple good-faith attempts to resolve this matter directly with XXXX. I have communicated via email with XXXX XXXX XXXX XXXX, Fraud Prevention Team Manager, and sent multiple follow-up emails requesting written confirmation of : The exact remaining balance owed The current status of the fraud claim The specific date the remaining funds would be returned Despite these repeated written requests, I have not received clear answers or resolution. Instead, XXXX XXXX has repeatedly attempted to contact me by phone and has left voicemails, despite my clear and consistent request that all communication be conducted in writing for documentation purposes. I have not received adequate written clarification regarding the outstanding balance, nor a definitive timeline for when my remaining funds will be returned. This delay has caused financial hardship, and the lack of written communication and resolution after the full stated timeframe has elapsed is unacceptable. I am requesting the immediate return of the remaining {$2300.00} and written confirmation that this matter has been fully resolved.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I dispute this alleged debt. The company is attempting to collect a debt without providing proper validation or documentation showing I am legally obligated. They have not provided chain of title, original creditor agreement, or a full accounting of the amount claimed. Despite requesting information, I have not received sufficient documentation to verify the debt. I am requesting full validation, including : proof of obligation original creditor agreement documentation showing authority to collect Until validation is provided, all collection activity should cease and the account should be reported as disputed or removed. I request investigation and correction under applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
This complaint is a follow-up to CFPB Complaint XXXX, which was closed without resolving the core issue. My complaint is not about the original account opening. The issue is that an account associated with my Social Security number was repeatedly modified and controlled by another individual without my knowledge or authorization. At an unknown date, the accounts identifying information ( name, email, and phone number ) was changed to another individual, while my Social Security number remained associated with the account. I did not sign any documents, provide verbal consent, or complete any identity verification authorizing these changes. After I reported this as fraud and completed identity verification with the company, the account was temporarily restored to my name and I was told it would be closed. However, shortly thereafter, the same individual was again able to contact the company and change the account back into his name without my authorization. This occurred after fraud was reported and demonstrates an ongoing failure to secure my identity and prevent unauthorized account control. During my communication with the companys fraud department, I was informed that account information can be changed if someone has login credentials and that no additional identity verification or documentation is required in such cases. I was also told that no signed authorization, recorded consent, or documentation exists explaining how or when my account information was changed. The companys prior response only addressed the original account opening and did not address : - The unauthorized ownership or account information changes- The continued association of my Social Security number- The lack of identity verification controls- The repeated ability for another individual to take control of the account after fraud was reported This is an ongoing identity security issue and failure of account safeguards. I am requesting : - Written confirmation that my Social Security number has been fully removed from any account not owned by me- Written confirmation that I have XXXX liability for this account and any related activity - Correction or removal of any related credit reporting - A full explanation of how these unauthorized changes were allowed to occur - Confirmation that appropriate controls have been implemented to prevent further unauthorized access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am disputing a debt being collected by Aldous & Associates on behalf of XXXX XXXX. I cancelled my membership in person at the XXXX, TX location on XX/XX/year>. Despite this, I was later contacted for an alleged balance that should not exist. After cancelling, I stopped receiving member communications and even received a promotional email on XX/XX/year> offering me to sign up again for {$1.00}, which confirms my membership was no longer active. I also made multiple attempts to contact both the local gym and corporate office, but received no resolution. I have already submitted a dispute previously, but nothing came from it. Additionally, I was threatened that my credit would be negatively impacted if I did not pay, despite the debt being invalid. I am requesting that this account be immediately removed, all collection activity cease, and any credit reporting related to this matter be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MS

Complaint narrative:
Issue : Failure to initiate recovery of traceable ACH funds On XX/XX/XXXX, I initiated an ACH transfer of {$4000.00} from my Way2Go/GoProgram account administered by Conduent. Conduent has confirmed the transaction and provided XXXX XXXX XXXX XXXX. The receiving institution, XXXX XXXX XXXX XXXX, has confirmed that an indemnity letter from the originating bank is required to recover the funds. I formally requested that Conduent initiate this indemnity process on XX/XX/XXXX. As of today, XX/XX/XXXX, Conduent has : Not initiated the XXXX request Not identified the originating bank Not provided any confirmation of action Not responded meaningfully despite an existing CFPB complaint being marked past due The funds have not been credited to my account and have not been returned. This is a failure to cooperate in the recovery of identifiable XXXX funds, despite confirmed traceability. I am requesting that Conduent be required to : Identify the originating bank Initiate the indemnity letter immediately Provide written confirmation of recovery actions These funds originated as child support and remain unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Formal Complaint Misapplication of Funds at Closing ( XXXX XXXX ) To Whom It May Concern : Timeline of Key Events : Closing Date ( XX/XX/year> ) : {$5000.00} seller credit explicitly allocated for HOA obligations per executed addendum. Post-Closing : XXXX applied the full credit to closing costs, ignoring the addendum. Follow-Ups : Multiple attempts to resolve ; lender demanded I redo paperwork or involve counsel. No corrections made. Discrepancy : {$320.00} post-closing error demonstrates additional processing mistakes. Complaint Details : My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX and XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, California. I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX misapplied {$5000.00} of my seller credit, despite an executed addendum specifying it for HOA obligations. I am not seeking duplication of benefits, but the lender must apply these funds exactly as intended. I am currently paying my standard monthly HOA obligations in full, consistent with the XXXX XXXX Cost Guide and HOA Video Meeting Recording, both provided by the developer. The withheld {$5000.00} credit is the only portion not applied correctly and represents the gap in the HOA monthly charges for the first year. The HOA and recreational fees are being charged for amenities that do not yet exist. Under California XXXX guidance, developers XXXX not impose fees for unbuilt or unavailable facilities, making this a clear regulatory violation. The {$320.00} post-closing discrepancy further demonstrates ongoing errors. Despite repeated attempts to resolve directly, the lender demanded I redo paperwork, which I will notand should notbe responsible for.

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 2026-03-30 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am filing a complaint against my mortgage servicer, Shellpoint Mortgage Servicing, regarding serious servicing failures, including a privacy breach, lack of communication, and obstruction of my ability to bring my loan current. This complaint relates to my loan accounts : XXXX, XXXX, and XXXX. Shellpoint sent me mortgage assistance and loan modification documentation that clearly belongs to another client : XXXX XXXX XXXX and XXXX XXXX ( Property : XXXX XXXX XXXX XXXX, NY Loan Number : XXXX ). This is a serious error and raises significant concerns about how my own personal and financial information is being handled and protected. In addition, I have made multiple attempts to obtain accurate and timely information about my loan, including the total amount required to bring my loan current. Despite my willingness to make payments, I have not been provided with clear or consistent information, making it extremely difficult to take action to resolve the delinquency. I have not received reliable communication regarding : The total amount required to bring my loan current A clear breakdown of fees and charges Available loss mitigation or loan modification options As a result of these servicing failures, fees have continued to accrue on my account. These fees are unfair because they are directly tied to XXXX inability to properly communicate and administer my account. I have actively attempted to resolve this matter in good faith and to make payments toward my loan, but the lack of transparency and operational errors have prevented me from doing so. Furthermore, the combination of these issues gives the impression that I am being pushed toward foreclosure rather than being given a fair opportunity to bring my loan current.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Thaxton Investment Corporation
State: SD

Complaint narrative:
XXXX. I have never received any mail regarding this from Heights Finance. I received notice of the garnishment from my employer when they received the paperwork. At the bottom of page XXXX of document XXXX, it states that the CREDITOR MUST SERVE THE FOLLOWING DOCUMENTS ON THE DEBTOR AT THE TIME OF SERVICE OF THIS DOCUMENT ( XXXX, XXXX, XXXX, AND XXXX ). I have never received these documents from Heights Finance. I moved to XXXX XXXX in XXXX of XXXX. I changed my address and everything to make sure all my mail was sent to my new address. I feel like sending it to the wrong address is a tactic by Heights Finance to get courts to rule in their favor. XXXX. Wisconsin statute XXXX states that the debtor must be notified of the garnishment proceedings by the creditor. I never received any notice from Heights Finance until my boss brought me the original garnishment papers on XX/XX/XXXX and most recently XX/XX/XXXX. XXXX. I tried to reach out to Heights Finance that day, and they refused to make any payment arrangements with me, even though they failed to follow the statutes surrounding garnishment. The lady I spoke to on the phone refused to work with me on a payment plan, even though I didnt know about the garnishment. I am willing to make payments on this ( as I tried to do with Heights Finance ), but I can not afford 20 % of my pay to be taken, as I have bills and children to take care of. I can provide documentation of my disabilities and police records if requested by the courts Thank you for taking the time to review this. XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation