vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint arises from Bank of Americas failure to properly process, credit, or return an insurance settlement check issued to me by XXXX XXXX in excess of {$26000.00}. Despite repeated requests, the bank failed to credit my account, failed to complete or communicate an investigation, and failed to return the funds. New and Ongoing Facts Since the original filing : I have appeared in person at a Bank of America branch no fewer than four ( 4 ) times, presenting documentation proving the settlement funds were never credited. A branch manager advised the matter would be escalated, yet no manager, investigator, or executive representative has contacted me. Bank of America has failed to provide any written explanation, determination, or accounting regarding the settlement check. Critically, I have repeatedly requested reasonable accessibility accommodations, including : That all documentation and correspondence be sent to me by XXXX Mail, and That such documentation be provided in large-print / big-print format. These accessibility requests were ignored, constituting an independent and ongoing violation of my rights under the Americans with XXXX XXXX ( XXXX ) and related federal accessibility obligations. As a direct result of the banks failure to credit the settlement funds, I was unable to complete required roof repairs, which caused XXXX XXXX to cancel my insurance policy, resulting in additional financial and consequential damages. Violations Bank of Americas conduct constitutes : Failure to exercise reasonable care in handling deposited funds Failure to timely investigate and respond to a consumer dispute Breach of fiduciary and custodial duties Failure to provide reasonable ADA accommodations after repeated notice Unfair, deceptive, and abusive acts or practices under federal consumer protection standards The prolonged refusal to credit funds and the disregard of documented accessibility requests raises serious concerns of discriminatory or disparate treatment. Demand for Relief I hereby demand that this matter be : Formally reopened and escalated within the CFPB Referred for supervisory and compliance review, including ADA compliance That Bank of America be required to : Provide a full written accounting of the settlement check Credit the funds immediately or return the instrument Provide all correspondence by XXXX Mail in large-print format Compensate me for damages, including loss of insurance coverage and related harm Please confirm reopening of this case and advise of next steps. Respectfully, Phone : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding an unresolved billing dispute on my Best Buy credit card account issued by Citibank. Account Information : Account ending in XXXX Name : XXXX XXXX Disputed Transaction : Date : XXXX/2026 Description : Payment Reversal Reference Number : XXXX Amount : {$1800.00} This payment reversal is disputed as unauthorized, improperly applied, or otherwise invalid. I previously contacted Citibank through customer service and was informed that payments had allegedly been issued to my bank account ( XXXX XXXX ) to resolve this matter. I was advised that the funds would appear within one to two weeks. As of the date of this complaint, more than 30 days have passed and no such funds have been received. Additionally, I was informed that multiple payments may have been issued for the same purpose, which raises concerns about the accuracy of Citibanks accounting and internal records. I submitted a formal written dispute through Citibanks secure message system. However, I have not received a substantive response. Instead, I have received repeated generic responses directing me back to customer service, which has already been unable to resolve this issue. No investigation has been confirmed, and no documentation has been provided. Requested Resolution : I am requesting the following : A full investigation of the {$1800.00} payment reversal Written documentation of any payments allegedly issued, including dates, amounts, method of transfer, and trace or confirmation numbers A complete accounting of all related transactions, including charges, credits, reversals, and adjustments Correction of any errors identified Removal of any associated interest or fees related to this disputed amount At this time, Citibank has failed to provide documentation supporting its claim that funds were issued and has failed to meaningfully respond to a formal written dispute. I am requesting regulatory assistance to ensure this matter is properly investigated and 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 monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED LVNV Funding LLC c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : XXXX XXXX XXXX Account Ending XXXX PURSUANT TO FDCPA 1692g AND FCRA 1681s-2 To Whom It May Concern : I am writing regarding an alleged debt your company has reported to Equifax on XXXX XXXX, 2026, in the amount of {$470.00}, account ending XXXX. This is a formal request for validation under 15 U.S.C. 1692g ( b ). I do not acknowledge this alleged debt as valid. I dispute it in its entirety. I have no contractual relationship with LVNV Funding LLC and have never entered into any agreement with your company or its agents. FORMAL DEMAND FOR DEBT VALIDATION Pursuant to FDCPA 1692g, you are required to provide full validation of this alleged debt within the timeframe required under federal law, including : 1. Original signed contract or electronic authorization bearing my signature with the original creditor 2. Complete chain of title proving lawful assignment of this account to LVNV Funding LLC 3. Full itemized accounting showing exactly how the {$470.00} balance was calculated 4. Documentation proving LVNV Funding LLC 's legal authority to collect and report this account 5. Proof of how and when this account was acquired by LVNV Funding LLC NOTICE OF INACCURATE CREDIT REPORTING Your company has furnished inaccurate creditor information and account ownership status to XXXX, in direct violation of FCRA 1681s-2, which requires all furnished information to be accurate and complete. I demand this account be immediately marked as DISPUTED with XXXX, XXXX and XXXX until full validation is completed. RESERVATION OF RIGHTS I reserve all rights under the FDCPA, FCRA, and Texas Deceptive Trade Practices Act, including the right to pursue civil litigation for actual damages, statutory damages, and attorney 's fees. All future communication must be in writing only. Telephone contact is not authorized. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL NOTICE OF DISPUTE & DEMAND FOR DELETION Account Number : XXXX Amount : {$1300.00} To Whom It May Concern, This letter serves as formal notice that I am disputing the accuracy, completeness, and validity of the above-referenced account currently being reported on my consumer credit file. Your reporting of this account appears to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The following issues have been identified : No verifiable payment history has been provided The account is being reported as both a charge-off and collection, which is misleading You have failed to provide evidence of a legally binding agreement between myself and your company The account balance and reporting details have not been properly validated The account is marked as disputed, yet no proper investigation results have been provided Under 15 U.S.C. 1692g, I demand full validation of this alleged debt, including : 1. A copy of the original signed agreement with the original creditor ( XXXX ) 2. Proof of your legal authority to collect this debt 3. Complete payment and transaction history 4. Documentation showing the chain of assignment or ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : FORMAL NOTICE OF DISPUTE & DEMAND FOR DELETION Account Number : XXXX Amount : {$1300.00} To Whom It May Concern, This letter serves as formal notice that I am disputing the accuracy, completeness, and validity of the above-referenced account currently being reported on my consumer credit file. Your reporting of this account appears to be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The following issues have been identified : No verifiable payment history has been provided The account is being reported as both a charge-off and collection, which is misleading You have failed to provide evidence of a legally binding agreement between myself and your company The account balance and reporting details have not been properly validated The account is marked as disputed, yet no proper investigation results have been provided Under 15 U.S.C. 1692g, I demand full validation of this alleged debt, including : 1. A copy of the original signed agreement with the original creditor ( CashNetUSA ) 2. Proof of your legal authority to collect this debt 3. Complete payment and transaction history 4. Documentation showing the chain of assignment or ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
I am a victim of identity theft. An account with Affirm was opened and/or used without my authorization. I did not apply for or consent to this account. Unauthorized transactions were made without my knowledge. I disputed this matter and requested documentation, including a signed application, identity verification records, IP logs, and transaction authorization records. The company failed to provide any evidence proving that I authorized this account. Despite this, the account continues to exist and/or be reported, causing harm to my credit and financial standing. This failure to properly investigate and verify constitutes violations of the Fair Credit Reporting Act ( FCRA ), including 1681i ( failure to conduct a reasonable investigation ) and 1681c-2 ( failure to block identity theft information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding an unverified and inaccurate debt. On XXXX XXXX, 2026, I sent a written debt validation request via certified mail. The company received the request but failed to provide any documentation validating the debt. Despite this, the company continued collection activity and updated the account on XXXX XXXX, 2026. They also verified the account as accurate to the credit bureau during a dispute investigation without ever providing validation to me. The amount being reported is also disputed. The original issue involved approximately {$54.00}, which has been increased to {$330.00} without any explanation or itemization. This is a clear failure to validate the debt and continued reporting of unverified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, ChexSystems, block information appearing on my consumer report that is the result of identity theft and fraud within four business days of your receipt of this complaint. This fraudulent, inaccurate, and false information consists of the following. Fraudulent Account : XXXX XXXX XXXX XXXX Account ending XXXX Balance {$2200.00}. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, Pennsylvania XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, U.S. Postal Service XXXX XXXX XXXX XX/XX/XXXX, XXXX New Jersey XX/XX/XXXX, XXXX XXXX on behalf of XXXX Bank XX/XX/XXXX and XX/XX/XXXX, and XXXX XXXX on behalf of XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. This account and these inquiries were not authorized by me and were made without my knowledge or consent, constituting identity theft. I have attached a valid identity theft report from the Federal Trade Commission verifying my claim. Pursuant to FCRA 605B, I request that ChexSystems block and remove all of the above-listed information within four business days of receiving this notice. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One 360 Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Closed-Purged Last status change : XX/XX/XXXX Return items : insufficient funds + account closed XXXX XXXX ( Closed-For-Cause account ) Opened : XX/XX/XXXX Closed for cause : XX/XX/XXXX Purged : XX/XX/XXXX Consumer removed date : XX/XX/XXXX Return items : insufficient funds XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Status : Closed-Purged Return items : insufficient Funds + account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Request for Review and Reinstatement of Earned Rewards Bank of America XXXX XXXX XXXX XXXX acct XXXX I am filing this complaint regarding the forfeiture of approximately XXXX travel reward points by Bank of America following the closure of my credit card account. While I acknowledge that my account became delinquent for a period of time, I have since taken steps to address the situation. The forfeiture of such a substantial amount of earned rewardsaccumulated through legitimate spending over timefeels disproportionate and punitive relative to the circumstances. These rewards were not promotional or unearned ; they were accrued through regular use of the account. At no point was I provided a meaningful opportunity to redeem these points prior to forfeiture, nor was I clearly informed that a temporary delinquency would result in the complete loss of all accumulated rewards. I respectfully request : - A formal review of my account and the circumstances surrounding the closure - Reinstatement of all or a portion of the forfeited rewards - Alternatively, a reasonable cash-equivalent credit in recognition of the earned value I am attempting to resolve this matter in good faith and would appreciate Bank of Americas consideration of a fair and reasonable outcome. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
A party sent me money and then deputed it after a month. The total was {$1500.00}. It has now put me in a negative balance that I am unable to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
this company has made two inquiry on my credit report i didn't authorize and there not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Per the User Agreement, I have filed a Demand for Arbitration, which has been served on Wise and XXXX. Wise is still hiding and not willing to enter the arbitration as set in their user agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Filed a Dispute with Experian they emailed me back saying that that debt was accurate this debt was removed and put as a charge off on my credit report and is now back on there I have disputed this debt also with my other credit bureau they deleted the debt with no problem but not Experian this is not my debt I tried to contact the company several times No response amount of XXXX dollars

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
business account with TD Bank. On XX/XX/XXXX, I received a letter stating that my accounts would be closed. I received the letter on XX/XX/XXXX, and when I tried to access my funds on XX/XX/XXXX, everything was already blocked. I currently have approximately {$20000.00} in these accounts. I have not engaged in any fraudulent or suspicious activity. As a result of this sudden closure, I am unable to access my money to cover basic living expenses, including food and gas. I also rely on my vehicle to work with XXXX, and I am currently unable to work. This situation is causing me severe financial hardship. I am requesting immediate release of my funds or a clear timeline for when I will receive my money. I need urgent assistance resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$600.00} LVNV Funding LLC {$310.00} LVNV Funding LLC {$160.00} I have respectfully requested that I am provided with the following : 1. the amount of the debt 2. the name of the creditor to whom the debt is owed 3. verification or copy of any judgment ( if applicable ) 4. proof that these companies are licensed to collect debts in Connecticut 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including : Interest or fees can not be added except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. I have not received the requested information from these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified several collection and charge-off entries on my credit report that appear inaccurate, outdated, or can not be verified. Although I have previously submitted disputes along with supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough reinvestigation of these accounts. Any entry that can not be fully validated with proper documentation must be promptly removed. Noncompliance may compel me to pursue legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX"National Credit Syst XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXI don't have any knowledge of these accounts. They are fraudulent."

Company response to consumer: Closed with explanation