vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I made a purchase on XX/XX/26 online with a skincare company called " XXXX '' for {$110.00}. I used my Indigo Mastercard for the purchase. The order was supposed to ship within XXXX business day. It has been XXXX. No response to any emails. Phone number disconnects. I contacted Indigo to file a dispute. They told me it would take up toXX/XX/XXXX days for the investigation to get my money back from this scam company. I was fine with that. I was also told, if I didnt pay the disputed amount in full before the next billing date, they would charge me intrest on it for the entirety of the investigation. If I was scammed, reported as fraud, and disputed, why am I being forced to pay it in full or pay the interest on it for the next XX/XX/XXXX days? That is illegal. Its bad enough I can't get my money back, but now they want to do all this? This is predatory lending at its finest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
I dispute this collection account. Please verify the debt, balance, and dates reported. This debt arose during COVID hardship. Provide documentation supporting the amount claimed Dates are Covid dates Company agreed to never did.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Inaccurate Charge-Off Reporting and Failure to Verify Information I am filing this complaint against OppLoans agency and XXXX ( XXXX XXXX XXXX ) regarding an inaccurate charge-off being reported on my credit report. The account in question is being reported as a charge-off ; however, neither the creditor nor the credit reporting agencies have provided sufficient verified information to support the accuracy of this reporting. None of my recent addresses were on file nor any of my contact information. On XX/XX/XXXX, I disputed this account to XXXX and requested verification of the information being reported. Despite my requests, on XX/XX/XXXX, I have not received any resolution for the account in question, documentation proving that the account belongs to me, or received that the balance being reported is accurate. The amount being reported is {$1800.00}, but in response of my dispute, the amount reported is {$1800.00} making the report not 100 % accurate with no verified information. This is not my first attempt to try to get information on the debt. Backdated to thw first week of XXXX, I attempted to suppress the information, but instead was set up for a payment plan instead. Under the Fair Credit Reporting Act ( FCRA ), all information reported on a consumer credit report must be accurate and verifiable. Reporting an account without proper verification may constitute inaccurate credit reporting and causes harm to my credit profile and financial opportunities. I respectfully request that the company : 1. Remove the charge-off account in question from my credit report due to inaccurate and insufficient reporting under the Fair Credit Reporting Act ( FCRA ) in 7-14 days. I am requesting that the CFPB assist in ensuring compliance with federal consumer protection laws and help resolve this matter promptly. Thank you for your attention to this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
U S DEPT OF EDXXXX account number XXXX date opened XXXX 2025 balance {$16000.00}. The account does not belong to me and is the result of identity theft. The account was previously disputed and removed by the credit reporting agency after an investigation determined that the information could not be verified. However, the collection account has recently reappeared on my credit report despite my prior disputes and evidence that is fraudulent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be immediately investigated and permanently removed from all credit reporting agencies. I did not open, authorize, or benefit from this account in any way. I am requesting that the collection agency and credit bureaus provide complete documentation proving that I am legally responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tampa, XXXX XX/XX/year> To : JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist Communication To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), I hereby request that you cease and desist all communication with me concerning this alleged debt. You may only contact me as permitted by law to : 1. Confirm that you will cease further communications ; or 2. Notify me of specific legal action that you intend to take. Except as allowed by applicable law, I request that you stop all telephone calls, text messages, emails, letters, and any other form of communication regarding this matter. This letter is not an acknowledgment of liability for the alleged debt, nor is it a promise to pay. I reserve all rights and defenses available to me under federal and state law. Please update your records accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have reviewed my credit report and I am disputing the accuracy and/or validity of this account. I have reviewed my credit report and believe that the information being reported is inaccurate and should be removed from my credit report. I have ask XXXX to remove and they have not. This inaccurate information this is not my account. Specifically, I am requesting verification and documentation supporting : The accuracy of the account information being reported. The ownership and authority of Midland Credit Management to collect this debt. The balance, dates, and payment history being reported. Any documentation bearing my signature or demonstrating my legal obligation for this debt. If Midland Credit Management can not provide sufficient documentation to verify the account and all reported information, I request that the account be removed from my credit reports and that any inaccurate information be corrected promptly. I am requesting a thorough investigation pursuant to applicable federal consumer protection laws and credit reporting requirements. Please provide me with the results of your investigation and copies of any documentation used to verify this account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against Capital One Regarding Fraud-Induced Transactions and Dispute Handling Dear Consumer Financial Protection Bureau , I am filing this complaint regarding fraud-induced transactions processed through XXXX and the banks failure to conduct a reasonable investigation and provide appropriate protections. Transaction Timeline : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : XXXX {$100.00} and XXXX {$150.00} transactions totaling {$1100.00} XX/XX/XXXX : {$150.00}, {$150.00}, and {$35.00} NSF fee XX/XX/XXXX : {$35.00} NSF fee XX/XX/XXXX : {$35.00} NSF fee Fraud Circumstances : All transactions were processed through XXXX. I was guided step-by-step by a third party and instructed on all actions, including funding and screenshots. I was also instructed to use a cryptocurrency wallet application to view profits ; however, no history was later visible. Dispute Issues : I reported the issue promptly and filed disputes. I provided supporting documentation but was not contacted for follow-up. Both disputes were denied without clear explanation. Failure to Provide Provisional Credit : I requested temporary credit due to upcoming automatic payments, which was not granted, leading to NSF fees and failed payments. Financial Impact : The transactions caused financial hardship, overdraft fees, and missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
I have received several texts from this company. I sent the first to spam. I sent them the attached response the last time. As far as I know, I have no past due debts or debts and collection and I think that they are contacting me inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: OR

Complaint narrative:
On XX/XX/year> I received multiple alerts from XXXX XXXX, XXXX and XXXX that a hard credit inquiry was made by Capital One. I have no relationship with Capital One or was inquiring about their products. Alerted XXXX on the situation and now I am reporting it to the FTC as instructed by them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am bringing these claims directly against Credit Acceptance Corporation as the Holder of this contract pursuant to the XXXX Holder Rule ( XXXX C.F.R. XXXX ), holding them fully liable for underlying transaction fraud, predatory lending, severe XXXX violations, and dynamic account retaliations. On XX/XX/25, I financed a vehicle. The official state-reported Illinois XXXX XXXX tax return lists the vehicle price as {$8800.00}, while the financed Bill of Sale lists the total due as $ XXXXXXXXhiding an undisclosed {$4800.00} finance charge. This contract also contains an undisclosed {$2900.00} service contract and {$820.00} GAP protection, pushing the 'All-In " APR beyond the strict 36 % cap mandated by the Illinois Predatory Loan XXXX Act ( XXXX ILCS XXXX ), rendering it null and void. I submitted a formal written audit request via Certified Mail, which was successfully delivered to corporate legal. The lender completely ignored the legal notice timeline, refused to provide a written response, and retaliated by completely erasing my loan data and payment access from their consumer application portal, blocking me from executing standard payments.

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 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Funds of {$51.00} still has not been returned. Unfortunately BofA still owes me. Any issued checks already expired by now any way. Return my money. Reissue an unable to deposit expired check with interests for their unnecessary uncooperative delays. {$51.00} still has not been returned yet of many years now. When you owe bofa money, it takes this long time for it to receive its money owed with no interests fee? Return the {$51.00} with interest fees

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 2026-05-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>2026, I spent over XXXXXX/XX/XXXXon the phone with Citi customer support regarding myXX/XX/XXXX account. Due to an internal clerical error where a Citi agent entered an incorrect CVV on my first physical account, my account was falsely flagged for fraud and locked. I was passed through XXXX different departments. XXXX separate supervisors intentionally hung up the phone on me. The final representative asked for my full CVV and account data under the guise of creating a 'support ticket, ' extracted the data, and immediately disconnected the line. This is a severe breach of consumer data security, consumer protection, and abusive service practices. I demand a full review of the recorded calls, a formal apology, and a {$150.00} statement credit for the severe distress and security risk caused by Citi 's staff.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ( BOA ) had a bank account promotion offer for opening a Business Advantage Fundamentals Banking account. The bonus was for either {$400.00} or {$750.00}. I opened the same account as advertised for the promotion. I met the criteria for the bonus of {$400.00} offer. I contacted BOA and was told the account I opened didn't qualify for the promotion. It is clearly advertised as being offered. Please see the attachment from BOA website with the promotion advertised, the account needed topen ( which I did ) and the criteria ( which I qualified for ). Please see the attachment screenshot showing the bank promotion cXX/XX/XXXXe attached in the header of the page from BOA.

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 2026-05-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act and requesting a reinvestigation of information currently appearing on my credit report. The following accounts are disputed and require verification : XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Ending in XXXX XXXX Card Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX XXXX Accounts Reporting 120-Day Delinquencies I request that XXXX conduct a thorough and reasonable investigation into the accuracy and completeness of these accounts. Please provide documentation supporting : Ownership and reporting authority. Date of first delinquency. Account balance calculations. Complete payment history. Collection account reporting. Charge-off reporting. If any information can not be fully verified or is found to be inaccurate, incomplete, or misleading, I request deletion or correction in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Subject : Unwarranted Account Lockouts, Failure of Dedicated Military Support Services, and Unreasonable Delays in Debit Card Issuance Executive Summary I am writing to formally lodge a complaint against Fifth Third Bank regarding consecutive, unexplained account lockouts that have entirely severed my access to my funds, the failure of the bank 's advertised XXXX military banking services, and a persistent, multi-month failure to deliver a primary debit card since opening my account in XX/XX/year>2026. Timeline of Specific Incidents XX/XX/year>2026 Present : Persistent Failure to Issue Debit Card Since establishing my relationship with Fifth Third Bank in XXXX, there has been an unacceptable and ongoing delay in receiving my debit card. Despite updating and verifying my mailing address with the bank, the standard delivery has lagged by more than XXXX to XXXX weeks past the promised timeline, leaving me without a vital method to access my funds in person. XX/XX/scrub> 2026 : Digital Lockout & Fraud Redirection On Saturday, XX/XX/XXXX, both the Fifth Third mobile application and online banking portal blocked my login attempts, erroneously stating that my credentials were correct. I contacted the bank via the dedicated, advertised XXXX XXXX Customer Service XXXX. The representative could not resolve the issue and transferred me to the Fraud Department to reset the account. After verification, my digital access was temporarily restored, and I initiated a routine XXXX transaction. XX/XX/year>2026 : Secondary Lockout & Failure of XXXX Military Support On Sunday, XX/XX/XXXX, the exact same digital lockout recurred. Both platforms threw the identical " incorrect login credentials '' error message, with no online indication of a secondary fraud hold. I again contacted the XXXX XXXX Customer Service XXXX, expecting immediate assistance as advertised for military members. Instead, the representative refused to assist, stating that nothing could be handled until the next business day. Impact and Violations Denial of Funds Access : The bank 's technical errors and premature security triggers have entirely frozen my ability to manage my money, execute time-sensitive transactions, or utilize online banking. Breach of Service Commitments : Fifth Third Bank explicitly markets a " XXXX '' customer service network for military members. Refusing to assist or handle an account freeze on a Sunday directly contradicts this service guarantee. Severe Consumer Inconvenience : Combined with the bank 's inability to successfully mail out a debit card over the last XXXX months, I am currently left with XXXX operational methods to access my capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
As previously stated in last dispute XXXX contacted me about a debt of XXXX $ XXXX turn the debt collection to company called bounce AI.I wasnt inform about how to dispute this but I found out how to myself. I paid my settler to pay XXXX debt and even I have evidence of debt being settled with XXXX therefore thats who these debt collectors need to contact. I work everyday of the week and even now and some days are 18 hours a day, I dont have time or energy to go back in forth with something I already paid to.

Company response to consumer: Closed with explanation