vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatXXXX XXXX XXXXXXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-05 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: Synergetic Communication Inc
State: TX

Complaint narrative:
On XX/XX/XXXX I filed CFPB complaint XXXX against Synergetic Communication for attempting to collect a {$14000.00} debt I do not recognize and never received validation for. Synergetic Communication has not responded to that complaint despite the 15 day response window passing. On XX/XX/XXXX three days after that federal complaint was filed Synergetic Communication added this same {$14000.00} collection to my XXXX credit report under XXXX XXXX XXXX They reported this debt to a new bureau while an active federal complaint disputing the debt was pending against them. I have never had an account with XXXX at XXXX XXXX. I am a confirmed identity theft victim with an FTC Identity Theft Report documenting fraudulent accounts opened after my personal information was stolen in multiple data breaches including XXXX XXXX XXXX in XXXX which exposed my government ID date of birth and home address. Reporting it to XXXX while a federal complaint is pending and no validation has ever been provided violates FCRA 1681s-2 ( a ) ( 1 ) which prohibits furnishing information a furnisher knows or has reasonable cause to believe is inaccurate. Under FDCPA 1692g this debt was never validated before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: AR

Complaint narrative:
Charging high atm fees XXXX XXXX XXXX transfers charges where to high I need all recurring balance paid back to me with a check in the mail

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 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing this account because I do not believe this debt is accurate or properly validated. I am requesting full verification of this account, including the original contract, payment history, and proof that this debt is legally mine. Please provide documentation showing that you have the authority to collect on this account and that all reported information is correct. Until such validation is provided, I request that this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I spoke to the low life scum of the earth staff at USAA. They are the worst people in the world a company of low life thieves that prey upon the US citizens. I spoke to a representative established a payment plan for services then they subsequently cancel my policy and then charged me a higher rate to reinstate it in 24 hours. These people are the scum of the earth the western culture is full of vile criminals and it will fall. Dealing with USAA and the disrespect is the motivation I need to put all my effort to leaving this XXXX XXXX. These people cancelled my insurance and then charged me XXXX dollars more per month to reinstate it for a service that is a complete scam. This all will fall very soon. It has to be illegal to give different prices for the same service. It is a complete scam.

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 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
I am submitting a formal escalation regarding significant mismanagement of my federal student loan account by MOHELA following consolidation, including improper billing, failure to apply approved repayment terms, and incorrect delinquency reporting. My Income-Driven Repayment ( IDR ) plan was fully processed and approved through Federal Student Aid on XXXX XXXX XXXX, with a calculated monthly payment of {$0.00}. Federal records confirm that my loan servicer completed its review of this application. On XXXX XXXX XXXX my existing federal student loans were paid in full through a Direct Consolidation Loan, creating a new loan serviced by MOHELA. Following this consolidation, MOHELA failed to properly configure my new loan. Specifically : My approved {$0.00} IDR payment was never applied to the consolidation loan The loan was incorrectly placed under a Standard Repayment Plan Monthly payments were generated in error under this incorrect plan My PSLF qualifying payment history ( XXXX qualifying payments ) was not transferred or applied to the new loan Proper administrative forbearance was not maintained during this transition As a direct result of these servicing failures, my account was incorrectly reported as delinquent, including being marked 90 days past due. This delinquency is solely the result of servicer error, not borrower noncompliance. Federal Student Aid records clearly demonstrate : Approved IDR plan with {$0.00} payment Active PSLF participation with significant qualifying payment progress MOHELAs system and billing practices directly contradict these official federal records. Additionally, my account currently reflects : A Standard Repayment Plan instead of IDR Incorrect monthly payment obligations No PSLF qualifying payment count applied to the consolidation loan Temporary forbearance is used in place of correcting the underlying errors This reflects MOHELA 's failure to properly transition and administer my account following consolidation. I am requesting immediate corrective action : 1. Full implementation of my approved {$0.00} IDR payment on the consolidation loan 2. Proper transfer and application of my PSLF qualifying payment count in alignment with Federal Student Aid records 3. Retroactive administrative forbearance covering all periods of incorrect billing 4. Removal of all incorrect Standard Repayment billing 5. Immediate correction and deletion of all delinquency reporting 6. Written confirmation that my account is in good standing and accurately reflects federal records This situation has caused financial harm, a credit impact, and a significant administrative burden due to the servicer error. If not resolved promptly, I will pursue further regulatory and legal remedies.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I referred to the CFPB case XXXX, in which the company responded to you, and the case was closed, as the company stated that they would send the response about the case in question ( solution? ) to me by email. In the mean time nothing has no response from the company and my account still blocked.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of 2025 I filed out paper work with XXXX management to move out of The XXXX apartments. On that day they filled out a paper that I and my wife signed that said we owed {$3400.00} for our final statement. When the final statement came XX/XX/year> we paid in full {$3600.00} after taxes and fees. On XX/XX/year> I received a final statement including a check in the mail with a move out credit of- {$680.00} which was a portion of the deposit and credit for over paying. Then in XXXX we were contacted by a worker from XXXX saying they didnt see our payment so we sent proof and they issued us a final account statement that was signed saying we owed {$2800.00} and we paid {$3600.00} with taxes therefore we were credited for over paying and were told we were all set a mistake on their end. Now we again are being told we didnt pay but have bank statement screenshots, final statement screenshots, screenshots of the check that they sent for over paying. My account was paid in full. When I found out i received a debt collection I have tried making contact with XXXX management and their phone number doesnt work I left voicemails, went to their office location per their website no office as its being remolded and contacted another apartment complex that is apart of XXXX management and no one calls back. I dont understand whats going on and why my dispute with XXXX did not get approved with proof of paying in full. I also issued an email to debt collector saying I paid in proof and send me a statement so I can share screenshots and they will not email me.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
* * Complaint Against Ally Financial Failure to Investigate and Misrepresentation of Dispute * * This complaint is being submitted against Ally Financial for failing to properly investigate a dispute and mischaracterizing my prior complaint. To be clear : * * This is NOT an identity theft claim and NOT a request under FCRA 605. * * Ally Financial responded to my previous complaint by treating it as an identity theft block request, which is inaccurate and appears to be a deliberate attempt to avoid addressing the actual issues raised. XXXX XXXX XXXX XXXX XXXX * * Nature of Complaint * * My dispute concerns : * Inaccurate reporting of payment history and balance * Failure to provide a full accounting of payments and vehicle sale * Failure to provide method of verification * Use of incorrect and previously documented fraudulent addresses * Improper handling and disclosure of my personal information XXXX XXXX XXXX XXXX XXXX * * Key Issue Mishandling of Address and Information * * Ally Financial had the correct address on file but continued to send critical account notices to incorrect addresses that I had already identified as fraudulent and supported with documentation. This directly impacted my ability to receive notices and contributed to the inaccurate reporting of my account. XXXX XXXX XXXX XXXX XXXX * * Failure to Conduct Reasonable Investigation ( FCRA 611 ) * * Despite multiple disputes and supporting documentation, Ally has : * Failed to review the evidence provided * Failed to respond substantively to the issues raised * Provided generic or irrelevant responses * Mischaracterized my dispute as identity theft This does not meet the legal requirement for a reasonable investigation under the FCRA. XXXX XXXX XXXX XXXX XXXX * * Requested Resolution * * I am requesting that Ally Financial : 1. Conduct a proper and documented investigation into my dispute 2. Provide a full accounting of the account, including all payments and the vehicle sale 3. Correct all inaccurate reporting 4. Address the use of incorrect addresses and explain how my information was handled 5. Provide the method of verification used to validate the account XXXX XXXX XXXX XXXX XXXX * * Notice * * If Ally Financial continues to mischaracterize this dispute or fails to provide a substantive response, I will escalate this matter through additional regulatory complaints and legal action. -- - This complaint is specifically about inaccurate reporting and failure to investigatenot identity theft. I expect a response that directly addresses the issues raised.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This appears to be a procedural misunderstanding regarding communication boundaries. I have a standing Cease and Desist order on file with the original creditor ( Capital One ) regarding the alleged account ending in XXXX. Despite this existing restriction, XXXX XXXX XXXX XXXX initiated a written communication dated XX/XX/year>. Under the FDCPA, specifically 15 U.S.C. 1692c ( c ), once a consumer has notified a creditor or their agents in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the collector shall not communicate further. It appears there was a failure to synchronize the communication status between the original creditor and the firm prior to this contact. I am filing this to ensure my communication preferences are updated in their internal systems and to prevent further unauthorized contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Chase Customer Service, I am writing out of extreme frustration and anger regarding the completely unacceptable handling of my fraud claim tied to three unauthorized debit card charges on XXXX XXXX each for {$190.00}. Let me be absolutely clear : I did not authorize these transactions. At the time these charges occurred, I was at work and nowhere near my card or in any position to make these purchases. I did exactly what I was supposed to do as a customerI reported the fraud immediatelyyet Chase has failed me at every step. Your decision to deny my claim simply because the transactions were made through XXXX XXXX is not only careless, but deeply flawed. Fraud does not magically become legitimate just because a digital wallet was used. If anything, that should raise more concern about how my information was compromised. Instead, Chase has chosen the easiest routedenying responsibilityrather than properly investigating. What makes this worse is the complete lack of follow-through and communication. I was explicitly told I would receive details about the XXXX location where my card was allegedly used. I have received nothing. I was told multiple times that representatives and even executives were on my side, yet there has been no action to support that claim. At this point, those statements feel empty and misleading. As a loyal customer, I find this treatment unacceptable. Chase has shown a clear disregard for my situation, my time, and my financial security. This experience has severely damaged my trust in your institution. I am demanding the following : An immediate and thorough reinvestigation of these fraudulent charges Full disclosure of all transaction details, including the exact location and method of use A detailed explanation of how such a weak justification was used to deny my claim If this matter is not addressed promptly and properly, I will have no choice but to escalate this further through formal complaints and any other necessary channels. I expect a response that reflects the seriousness of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Citizens Pay related to a late payment that was not caused by any failure on my part. My account was enrolled in automatic payments. My account statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX clearly state that I was enrolled in autopay and that my monthly payment would be automatically deducted. These statements also instruct that no manual payment is required when autopay is active. On XX/XX/XXXX, Citizens Pay sent me a notice stating that an automatic payment was not processed due to a system error on their end. After that system error, my account began showing inconsistent behavior. Some statements continued to show autopay active, while others showed past due amounts, despite no change being made by me and no issue with my bank account. My XX/XX/XXXX statement specifically stated that I was enrolled in autopay and that my payment of {$66.00} would be deducted on XX/XX/XXXX. I reasonably relied on that statement. However, Citizens Pay later reported my XXXX and XXXX payments as late. I never turned off autopay. The first and only notice I received stating that autopay had been deactivated was on XX/XX/XXXX, after the account had already been reported late. This change was not initiated by me, and I was not given timely notice. Once I became aware that payments were not being processed as expected, I immediately paid the account in full. Citizens Pay has denied my dispute, relying only on internal system status while ignoring : - Their own statements confirming autopay enrollment - Their prior acknowledgment of a system error - Their failure to notify me that autopay had been deactivated This resulted in a late payment being inaccurately reported, causing significant harm to my credit, including a substantial drop in my credit score and reductions in my credit limits by other lenders. I am requesting : - Immediate removal of the inaccurate late payment from all credit bureaus - Correction of my payment history - A full explanation of when and why autopay was deactivated - Proof that I personally disabled autopay or that a payment was rejected by my bank This issue was caused by inconsistent and unreliable account servicing, not by any failure to pay on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: MA

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against Bilt Technologies , Inc. regarding the handling of my credit card account. My card was unexpectedly frozen following an attempted car insurance payment. I immediately contacted both BILT and XXXX customer support to resolve the issue. During that interaction, I was asked to provide a photo of myself holding my identification for verification purposes, which I submitted promptly. It has now been six days, and I have not received any follow-up communication or resolution. Despite multiple attempts to contact support and requests to escalate my case, I have been unable to reach anyone who can provide assistance or a clear timeline for resolution. As a result, I am currently unable to use my card for payments or earn points, while I continue to be charged the cards premium fee. This situation is unacceptable and reflects very poor customer service and support responsiveness. I request immediate action to restore access to my account and proper communication regarding this matter. Additionally, I expect consideration for compensation due to the inconvenience and lack of service. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: DE

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
if I am able to still get into my XXXX but unable to send or transfer money on my account and I receive a email stating that they have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/2026. Your account has been permanently deactivated ... is there any way to get my money out my account? will it allow me to delete my account and remove the money? is there any trick or whatever to retrieve my money off my account? I had contacted XXXX by phone and email. I was told if I submitted my id to there email ; that this could easy resolved this and restored my account because it was only frozen because AI FRAUD detector was triggered becuae of me updateing my info. And now I can't access my funds and they don't need to hold them for debts bc u can clearly see I habe no transactions or pending transactions. And there last email says that they also will not respond to any emails after that one about my account.

Company response to consumer: Closed with explanation