vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NY

Complaint narrative:
I am disputing a rental debt being reported by this collection agency related to a XXXX  rental property I vacated in XXXX. I do not agree with the charges being reported. 

The collection agency has failed to provide proper validation of the alleged debt, including a signed lease, move-in and move-out inspection reports, itemized repair invoices, or proof that the charges exceed normal wear and tear. 

Additionally, under XXXX  Statute 83.49, landlords are required to provide written notice by certified mail within 30 days of move-out with an itemized list of damages. I never received such notice, and the collection agency has not provided proof that this legal requirement was met. 

Despite disputing this account, the collection agency continues to report this debt to the credit bureaus without proper verification. I am requesting that this account be removed from my credit report unless full legal validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the failure of a creditor and related third parties to validate an alleged debt in the amount of {$4600.00}, as well as their lack of response to my dispute. 

On XX/XX/XXXX, I received an email from XXXX referring to an alleged debt reportedly held by XXXX XXXX. In that email, XXXX stated that they had reached out to help resolve this debt. On the same day, XX/XX/XXXX, I promptly sent a written dispute and request for validation regarding this account. 

After submitting my dispute, XXXX informed me that they were no longer servicing my account. This statement is contradictory, as I received an email from XXXX earlier that same morning regarding the very same {$4600.00} debt. Since submitting my dispute, I have not received any response, clarification, or documentation from XXXX, XXXX XXXX, or any other party. 

To date, I have not received any of the documents I requested to validate this debt, including but not limited to proof of the original creditor, proof of ownership or assignment of the debt, a complete payment history, or verification of the amount allegedly owed. 

Despite the lack of validation and the failure to respond since XX/XX/XXXX, this {$4600.00} debt continues to be reported on my credit report. Reporting an unverified and disputed debt is inaccurate and harmful to my credit profile and is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Because this debt has not been validated and because of the conflicting and misleading communications from XXXX, I am requesting that this account be deleted from my credit report immediately. 

I respectfully request the CFPBs assistance in ensuring this matter is resolved and that the creditor either provides proper validation or removes this account from all credit reporting agencies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Company : Bank of America Product : Checking / Deposit Account Issue : Fraud, identity theft, or unauthorized activity Sub-issue : Incorrect information / Failure to correct inaccurate records/ Account access denied Complaint Narrative I am filing this complaint against Bank of America regarding inaccurate and unauthorized activity associated with an old deposit account that I did not authorize and am not responsible for. 

Despite disputing this matter directly with Bank of Americas Risk Department, the bank continues to maintain and/or rely on inaccurate information related to alleged fraudulent activity on my account. This information is incorrect, unverified, and unauthorized, yet it is being used in a way that is causing me ongoing financial harm.

As a direct result of Bank of Americas failure to properly correct its records, I am being prevented from opening new bank accounts, which interferes with my ability to manage my finances and conduct ordinary banking activities. This constitutes a material adverse action based on inaccurate information.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), financial institutions have a duty to ensure the maximum possible accuracy of information they maintain and report. Additionally, under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), consumers are not liable for unauthorized electronic transactions, and banks are required to investigate and resolve disputes in a timely and lawful manner.

Bank of America has either failed to : Properly investigate the disputed unauthorized activity, or Correct and delete inaccurate internal records, risk indicators, or third-party reporting tied to this matter Continued retention and use of unverifiable or fraudulent information is unjustified and is resulting in denial of banking services, which is an unacceptable outcome under federal consumer protection laws.

Resolution I Am Seeking I am requesting that Bank of America : 1. Remove and delete all inaccurate and unauthorized activity associated with the disputed account 2. Eliminate any internal risk flags, fraud markers, or negative indicators tied to this matter 3. Cease reporting or furnishing inaccurate information to any third-party consumer or banking reporting systems ( including internal or external databases ) 4. Provide written confirmation that my records have been corrected and that I am not responsible for the disputed activity 5. Ensure that this matter no longer interferes with my ability to open or maintain bank accounts Account # XXXX Routing # 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 non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I financed XXXX XXXX  through Care Credit ( creditor ) after being advised by provider ( XXXX XXXX ) to begin treatment. I had XXXX done and afterwards I was told Im a good candidate to start XXXX  XXXX, so I did. On XX/XX/XXXX about 8 months into my XXXX XXXX  I expressed some concerns so the provider ( XXXX XXXX ) gave me a referral to see an XXXX XXXX regarding my XXXX XXXX XXXX XXXX XXXX. I had an appointment with the specialist ( XXXX XXXX ) whom provider ( XXXX XXXX ) referred me to on XX/XX/XXXX. During that consultation I was informed by XXXX XXXX that I shouldve had my XXXX XXXX XXXX  PRIOR to starting XXXX. He stated that the XXXX XXXX  were like a doorstop and it would prevent my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The original provider ( XXXX XXXX ) NEVER discussed or recommended this during my initial consultation. The provider failed to inform me of this requirement, and as a result I was misled into starting treatment that was not clinically appropriate at the time. Once this was identified by the specialist ( XXXX XXXX ) XXXX XXXX was discontinued because it should not have been initiated. The provider ( XXXX XXXX ) confirmed that treatment was stopped and services were not fully rendered. 

Despite submitting documentation showing that treatment was discontinued and based on misleading information, The ( creditor ) Care Credit denied my billing dispute and continues to bill me for services that were not appropriately or fully provided. I am requesting removal of charges for services that should not have been initiated.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HGREG.com
State: FL

Complaint narrative:
I bought a convertible from HGreg with the promise that they would fix the top as the deal. 

Now that the bought the car HGreg has backed out of the deal and Im stuck with a convertible that doesnt convert. 

Isnt that a breach of contract and outright scam. I kind of figured they were not good people when the salesman took the promise to pay slip out of my folder when I went to talk to the other gentleman about insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft. Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you BLOCK the reporting of the items listed below because they resulted from identity theft and were not authorized by me. 

I first discovered these items when reviewing my credit report on XX/XX/XXXX. I have also experienced a vehicle break-in where personal documents were stolen and a police report was filed. In addition, my father and I shared the same name, and I later learned my information may have been used without my authorization. 

ITEMS TO BLOCK ( Identity Theft ) : COLLECTIONS : XXXX XXXX XXXX {$1900.00} Eastern Revenue {$1200.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please block these items, prevent re-reporting, and send me written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America for denying reimbursement for unauthorized ATM withdrawals totaling {$3500.00}, in violation of the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005 ). 

My debit card was lost or stolen, and multiple unauthorized ATM withdrawals were made from my account without my knowledge or consent. I did not share my debit card or my PIN with anyone at any time. 

I promptly reported the unauthorized transactions to Bank of America on XX/XX/year>, in accordance with federal law. 

Bank of America denied my claim solely on the basis that the transactions were completed using a PIN. However, PIN usage alone does not constitute proof of authorization. Under Regulation E, the burden of proof is on the financial institution to demonstrate that the transactions were authorized by the consumer. To date, Bank of America has not provided any evidence showing that I authorized these withdrawals or that my PIN was compromised due to my negligence. 

I have also filed a police report documenting the theft of my debit card and the resulting unauthorized withdrawals. Despite this documentation, Bank of America has failed to provide : Evidence that I authorized the transactions Evidence that my PIN was voluntarily disclosed Documentation showing that a reasonable and compliant investigation was conducted Because Bank of America has not met its burden under Regulation E, its denial of reimbursement is improper and non-compliant with federal consumer protection law.

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 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Climb Credits continued collection and servicing practices after the closure of XXXX, the school financed by this loan. 

Climb Credit has acknowledged that XXXX has shut down operations and that its partnership with XXXX has ended. Despite this, Climb continues to collect payments and conditions any loan relief on confirmation from XXXX that a refund is owed. 

XXXX has gone completely unresponsive and is no longer operational. Conditioning borrower relief on action by a defunct and unreachable third party creates an impossible condition and results in continued collection for educational services that can no longer be delivered. 

This is not a dispute about service quality or dissatisfaction. It is a dispute arising from school closure and non-delivery of services, which Climb acknowledges. Continuing to service and collect on this loan while knowing the underlying educational services are no longer available constitutes an unfair servicing practice. 

I am requesting CFPB review of Climb Credits continued collection efforts and handling of this dispute despite the acknowledged closure of the school and impossibility of obtaining school confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am disputing the accuracy and verifiability of the SELFINC/LEAD account being reported on my credit reports. This tradeline contains materially inconsistent information across XXXX, XXXX, and XXXX, including conflicting dates of last activity, high balance amounts, and account details. 
Because these core data fields do not match across the bureaus, the account can not be considered accurately verified. I contacted the company and requested documentation supporting the reported balance, dates, and status, but I did not receive records sufficient to verify the information being furnished. 
Reporting conflicting information without proper verification violates the Fair Credit Reporting Acts accuracy and investigation requirements. The account should not continue to be reported unless it can be fully substantiated with underlying records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I am experiencing a serious medical hardship that has temporarily reduced my ability to earn income. Despite this, I have continued making payments on my auto loan and put {$2000.00} down when I purchased the vehicle. Recently, I received a notice from Global Lending threatening to repossess my car if I do not make the full payment, which I feel is unfair given my efforts to pay and communicate. 

I am not refusing to pay ; I am simply asking for reasonable accommodation due to my health situation. I requested a short-term payment arrangement, partial payment, or payment extension while I address my medical issues, but my requests have not been accommodated. Threatening repossession while I am trying to manage both my health and my financial obligations adds significant stress and could put me in an unsafe situation. 

I am asking CFPB to help ensure that Global Lending works with me on a temporary hardship arrangement, pauses any repossession activity, and communicates clearly in writing. I want to continue making payments and keep my vehicle, but I need assistance to do so during this difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I was the victim of a sophisticated fraud involving criminal impersonation of XXXX XXXX XXXX XXXX and the FBI. The perpetrators spoofed official phone numbers, possessed accurate personal information, and used screen-sharing software with fabricated institutional branding to coerce me into transferring funds under the false pretense of fraud mitigation. 

Multiple large transactions were attempted across my financial institutions. Most were blocked. One {$24000.00} PayPal transaction funded by my XXXX credit card was processed before the fraud was identified. Once I recognized the deception, I immediately froze all accounts and reported the incident to XXXX XXXX, PayPal, XXXX, XXXX and XXXX XXXX. All institutions confirmed fraudulent activity or attempts. 

PayPal and XXXX have denied my fraud claim on the basis that the transaction was authorized, despite clear evidence of coercion, impersonation, and deception. I believe this constitutes an unreasonable investigation and an improper classification of fraud by impersonation. 

I am requesting that PayPal and XXXX reopen and properly investigate this matter, coordinate with each other, and refund the disputed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX issued a refund to U.S. Bank. Even though U.S. Bank shows it as completed or posted, the funds were never made available to me. My available balance never increased and I never had access to that money. The bank removed a provisional credit and left my account negative even though the merchant refund was received. This is a posting error and unlawful withholding of funds. I am being charged for money I never received. I am requesting the refund be properly credited to my available balance and my account corrected

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I received a call on XX/XX/XXXX from Wells Fargo. I didnt answer. I checked my account and everything was ok. I received a call again on XX/XX/XXXX, from Wells Fargo. A man named XXXX called and said he detected suspicious activity on my account in XXXX. He said, they had flagged my account and I needed to change my password. He said this was a temporary password, and I could change it again later. I said ok, and proceeded to change my password. This was the password he gave me : XXXX. I changed my password to that. He also sent me a text message that looked like Wells Fargo text. I receive direct deposit texts from Wells Fargo, and his message came up under one of those texts that said Wells Fargo. He sent a sample text saying he needed me to click yes when he sent the sample text. I clicked on yes, and my XXXX disappeared from my account. I didnt check my account right away because he said I needed to wait, since I just changed my password. I was completely scammed out of my funds. Ive spoken with agents on the phone from XXXX, XXXX, XXXX, I believe someone named XXXX, but not exactly sure of his name, XXXX transferred me to him, he was the claims manager. He was very nice and said he would escalate this claim, in the XXXX XXXX. I also went into the XXXX XXXX, in XXXX XXXX  to speak to someone in person. The branch manager XXXX XXXX. She was helpful, and told me she would escalate my claim.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
I was XXXX XXXX XXXX and when I got out I checked to find out that my account had been fraudulary used and had been closed in XXXX of XXXX and they were supposed to refund me all the money that was sent considering I had all of my paperwork and proved I wasn't released until XXXX of XXXX and was XXXX back in XXXX they refunded me one thing from XXXX  for {$250.00} and then they sent it to the closed account refusing to refund me the money from XXXX all the way XXXX and it refusing to transfer the funds over to my new account that they told me to open to be able to have the fun transferred over to they are trying to steal my money and I believe they're trying to also commit a second form of identity does because I have reason to believe that somebody there at the company was using my account on the ground that they can't verify any of the changes that were done to the account for somebody calling in but yet they can verify through my paperwork that it wasn't me and refuses to give me back all the money which they sent us XXXX total and I already had an investigation put in and it's been over 10 days like they told me it would be before I get the refund and they refused me they also said that I can not record conversations with them but yet there are companies recording conversations with me there constantly emailing me for information and harassing me and extorting me for my time on top of the mental anguish and the dress that I'm being put in among other things illegal I should be compensated for lie the kies, violating code of conduct. XXXX XXXX and due prossess. They should be legally shut down and the nation that started them sued.

Company response to consumer: Closed with explanation