vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I requested forbearance for my XXXX mortgage on XX/XX/year>2026 due to financial hardship. On XXXX XXXX, 2026, I provided an update notifying the bank that I had become unemployed, further confirming my eligibility for assistance. M & T Bank approved my forbearance in XX/XX/year>, but informed me that it would only cover XXXX, XXXX, and XX/XX/year>. This leaves XXXX and XXXX unprotected and exposes my account to being reported as 3060 days delinquent, despite my timely request for assistance. I am concerned that M & T Banks handling of my forbearance request : Is not in compliance with FHA loss mitigation guidelines, which require servicers to implement assistance in a way that avoids unnecessary delinquency. Places me at risk of credit harm due to reporting gaps that were not my fault. I request that M & T Bank : Adjust my forbearance plan to reflect an effective start date of XX/XX/year>. Confirm in writing that my account will not be reported as delinquent due to this timing issue. Provide a clear explanation of how XXXX and XXXX payments are being handled. I have attempted to resolve this directly with M & T Bank through their servicing department, but the issue remains unresolved. I am filing this complaint to request immediate corrective action and protection under FHA servicing guidelines.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Bank of America has frozen {$50000.00} in my personal account due to a fraud suspension. I am a XXXX business owner and XXXX citizen currently in XXXX. Despite multiple calls to the XXXX XXXX department, agents and supervisors claim they are " blocked '' by a system screen and refuse to offer any remote verification. I have offered to verify my identity via my Passport, XXXX, and a XXXX in XXXX XXXX, but the bank has rejected all remote options, demanding a physical branch visit. This is an impossible and unreasonable barrier for an international client. Urgency : I am the Managing Member of a registered LLC ( XXXX XXXX XXXX XXXX ) and have a separate business account with Bank of America. I have a real estate purchase closing in a few days. This freeze is preventing me from transferring funds to the Title Company, putting my earnest money deposit and the entire transaction at risk of default.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because there is a collection account on my credit report that has already been paid and satisfied in full, yet it is still showing as a negative item. This account should have been removed immediately after payment was completed. I feel this is unacceptable and unfair because I took responsibility, paid the balance, and followed every step required to resolve it. Despite doing everything correctly, my credit report is still showing a negative marker for a debt that no longer exists. This is extremely frustrating and feels like a violation of my rights as a consumer. It is also an insult to my integrity because it makes it look like I did not pay when I actually did, and I have the proof of payment. Im requesting that this paid and satisfied collection be removed from my credit report as soon as possible, and that the credit bureaus update their records to reflect the correct status. Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : XXXX XXXX ] Account Number 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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NH

Complaint narrative:
I am filing this complaint regarding my Credit Karma Spend account. On or about XX/XX/2026, multiple unauthorized transactions were made on my account from merchants including XXXX XXXX, XXXX XXXX XXXX XXXX and others. I immediately disputed these charges, and on [ INSERT DATE NOTIFIED, e.g., XX/XX/2026 ], XXXX of these transactions totaling approximately {$1200.00} were approved for refund. Shortly after the disputes were approved, my account was closed by the fraud department on a so-called risk-based decision. Because the account is closed, there is currently no active account for the approved refunds to be deposited, and the fraud department provided conflicting information regarding how I will receive my money. I have been informed that any remaining funds will be sent via cashiers check in XXXX business days, but my current mailing address on file is incorrect, and I am concerned that the funds could be lost or delayed. Additionally, the dispute team and fraud department appear to lack knowledge about the process, have been unable to provide clear answers, and frontline staff have repeatedly given inconsistent or inaccurate information. I am left with approved funds in limbo, and I am concerned I will not receive the money owed to me for these unauthorized transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Rebuttal to XXXX Banks Final Response - Case # XXXX I am formally rejecting SoFi Bank 's response dated XX/XX/year>. The bank is attempting to use " technical authentication '' to justify a clear case of XXXX XXXX and XXXX, in violation of Regulation XXXX. XXXX. Technical Evidence of XXXX & XXXX XXXX : XXXX claims that IP address XXXX is " known '' and " associated '' with my account. I have verified this IP via XXXX, and it matches my residential ISP : XXXX : XXXX ( XXXX XXXX XXXX XXXX Agent : XXXX ( XXXX XXXX XXXX ; XXXX ; XXXX ) XXXX However, the fact that the fraud originated from my residential IP proves a sophisticated Session Hijacking or Account Takeover ( ATO ) via malware. XXXX security failed to detect the following anomalies during this " authenticated '' session : XXXX. Gross Negligence in Fraud Detection : During the exact same session on XX/XX/XXXX, XXXX unauthorized XXXX transfers were attempted to suspicious recipients I do not know : {$1000.00} to XXXX {$990.00} to XXXX The {$1000.00} transfer was REJECTED by the receiving institution for suspected fraud. If this session was " properly authenticated '' as XXXX claims, why did an external bank recognize the fraud while XXXX allowed the second transfer of {$990.00} to proceed? This is a direct failure of XXXX behavioral security systems. XXXX. XXXX XXXX XXXX : XXXX still fails to explain how a XXXX enrollment was possible on my profile. My XXXX identity is already active at XXXX Bank. XXXX protocol prevents simultaneous enrollments of the same phone/email without a service transfer alert, which I never received. This confirms that the intruder bypassed enrollment safeguards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am following up on my previous complaint regarding the continued, unauthorized, and unverified collection account reported by Experian from XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/year> ). The original creditor for this account was XXXX XXXX XXXX XXXX. This account was never authorized by me, and there has been absolutely NO verification provided regarding this debt. Not only has Experian failed to properly verify this account, but they also failed to give me the proper opportunity to dispute it as required under the law. Under XXXX CFR XXXX ( b ) ( XXXX ) of Regulation F, debt XXXX must validate the debt upon request, but they didnt do that. They also violated XXXX CFR XXXX ( c ) ( XXXX ) ( i ) by denying me the chance to dispute this account properly. And let 's be clear, Experian reported this account to the credit bureaus in violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which states that no information should be furnished to a credit bureau unless proper disclosures and an opportunity to dispute are given. That DID NOT happen here. I have also filed an FTC Identity Theft Report regarding this account, which clearly shows that this account is unauthorized and must be removed. Just this month, I filed a CFPB complaint against the collection agency, but I have yet to receive any response from them. This ongoing lack of response further highlights the failure to resolve this matter properly. Additionally, Experian violated XXXX XXXX. XXXX, which mandates a permissible purpose to report information to credit bureaus. This account was reported without my consent, without proper validation, and in complete disregard of my rights under the FCRA. This negligence is unacceptable and has caused significant harm to my credit and financial standing. I am now demanding that the CFPB take IMMEDIATE action to force Experian to DELETE this unverified, unauthorized collection account from my credit report. Experian has already failed to adhere to the law, and I WILL NOT tolerate any delays or excuses. If they refuse to remove this account, I WILL pursue legal action under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I sent them debt validation on XX/XX/year> I still havent received anything from them by email they have XXXX days it past the time frame which debt collector are required to respond within XXXX days under fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Klarna AB
State: UT

Complaint narrative:
I am filing this complaint regarding Klarnas handling of a billing dispute ( Reference : XXXX, Complaint ID : XXXX ). I was charged {$520.00} for a transaction that included both physical products and consultation services. The merchant only delivered a small portion of the physical product. The majority of the charge refers to consultation and ongoing services that were never provided. I have clear written evidence from the merchant explicitly stating that the services and appointments would not be carried out. Despite this, Klarna resolved my dispute based solely on proof of shipment, without verifying full delivery or addressing the failure to provide the main service. This transaction was only partially fulfilled and should not be considered complete. Charging the full amount under these circumstances is incorrect. I have attempted to resolve this issue multiple times with Klarna, including opening XXXX disputes and providing supporting evidence. Klarna has failed to properly investigate and continues to attempt to collect payment on an incomplete and invalid transaction. I requested proof of full delivery and clarification regarding the missing services, but this was not properly provided. I am requesting : - Cancellation or appropriate adjustment of the charge - Confirmation that my account and credit will not be negatively impacted - A proper investigation that considers both partial delivery and services not rendered Klarnas current handling of this case constitutes an unfair billing practice and failure to resolve a valid consumer dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am seeing debts in collection on my credit report from a company known as LVNV funding LLC and have not received any notification of an attempt to collect a debt. I am getting XXXX collection companies for the same XXXX debts. All for the XXXX XXXX bank. If they are not able to provide Debt validation/ Copy of original contract/agreement, or proof that they own or are authorized to collect the debt. I want these debts eliminated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: OPTUM BANK, INC.
State: NY

Complaint narrative:
I have initiated multiple trustee-to-trustee HSA transfer requests from Optum Financial to XXXX XXXX Historically, these transfers were processed ( albeit slowly ). However, my most recent transfer in XX/XX/2025 was charged an unexpected {$20.00} fee without clear prior disclosure or explanation. Since then, I have submitted XXXX additional transfer requests, both of which have not been completed. I have received no communication from Optum Financial regarding : - Whether the transfer requests were received - Whether they were rejected or require additional information - Any reason for the delay or failure XXXX has also confirmed they are unable to obtain any status or response from Optum Financial regarding these requests. As the account owner, I am concerned about the lack of transparency, inconsistent processing, and potential obstruction of legitimate asset transfers. I am requesting : 1. A clear explanation of why my transfer requests are not being processed 2. Full disclosure of any fees or policy changes affecting outbound HSA transfers 3. Immediate processing of my pending transfer request This lack of communication and inconsistent handling of my account is unacceptable and requires prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
i can not continue to pay. the payments the fees and intreset they are charging are too much and bi weekly. i have contacted them to ask for a differnt payment and they stated. " Dear XXXX, Thank you for contacting NetCredit. We're here to help in any way we can! Thank you for your recent email. Unfortunately, there is no hardship program available to stop, reduce, or restructure the payments. However, each payment is eligible to be adjusted up to 90 days from the original payment date by either changing the payment date online ( online payments can only be moved up to 60 days ) or by calling the customer support team at least XXXX business days in advance of the payment date. The minimum payment is calculated based on the outstanding principal. Therefore, the only way to reduce the payment is by making extra or additional payments to lower the outstanding balance. This, in turn, will lower the minimum payment due. Also, make on-time payments to earn fee-saver reduction rewards, which will lower cash advance fees on your account. Thank you for your understanding. '' i have tried to reach out and they are unwilling to help or talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-23 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: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Citizens Bank, 2 citizens Way, XXXX XXXX XXXX XXXX has an UNFAIR BUSINESS practice. When customers transfer money from their home equity line of credit to their checking account, the bank holds the money for 2 days. Although they state and their agreement that they do this it is unfair because it is an internal bank transfer and the money should transfer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

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

Company response to consumer: Closed with non-monetary relief