vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My friend approached me, excitedly sharing news about a XXXX XXXX XXXX XXXX ( CSBG ) program he claimed to have benefited from. According to him, it offered financial assistance to qualified individuals, both working and retired. Trusting his recommendation and our longstanding friendship, I decided to apply through the link he provided. Soon, I found myself in communication with an agent who seemed helpful and official. He provided detailed instructions, including payments for delivery, in exchange for the grant. Sadly, my naivety led to a devastating outcome as I realized I had been scammed out of a staggering {$28000.00}, withdrawn from my account through fraudulent checks. Against this background, I hereby respectfully filed this Complaint against Bank of America, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence breach of implied contract and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law. The allegations contained herein are predicated upon personal knowledge, and upon facts obtained through investigations or analyses conducted by qualified third parties and media reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: CA

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
Debt recovery solutions is reporting an XXXX 's account to my credit report opern XX/XX/XXXX. I have not had an XXXX 's account since XXXX. So either this is an old account XXXX recovery solutions has bought and is trying to illegally collect on or someone is using my Identity to open a fraudulent account. I can not find a valid phone number or contact infomation for XXXX recovery solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Description of the Complaint : XXXX. Identification of Unauthorized Charges : On or about [ XX/XX/year> ], I discovered several unauthorized charges on my American Express account. I did not authorize these transactions, nor did I benefit from them. I immediately recognized them as fraudulent. XXXX. Attempts to Resolve with American Express : On the same day, [ XXXX 2025 ], I contacted American Express via their chat feature to report the unauthorized activity. Despite informing them that the charges were clearly not authorized, I experienced extreme difficulty. XXXX. Unreasonable Customer Service Failure : During the chat session, I was shuffled between multiple representatives for approximately [ XXXX ] hours. I was forced to repeat my explanation and provide the same information to each new agent. This process was inefficient, frustrating, and a poor reflection of the " XXXX world-class customer service '' advertised by American Express XXXX The representatives were unhelpful and dismissive of my concerns. XXXX. Refusal to Honor XXXX Liability Policy : American Express promotes a " XXXX Liability Fraud Protection '' policy, which states that the cardholder " won't be held responsible for unauthorized charges '' that are reported promptly. Furthermore, the company 's own educational material explains that a provisional credit is a standard, temporary credit applied to an account while a dispute is being investigated, particularly for suspected fraud. Despite my prompt report and adherence to these advertised protections, American Express has failed to honor this policy. No provisional credit has been issued for the disputed amount of [ {$1300.00} ]. XXXX. Current Status : To date, American Express has refused to issue the required provisional credits and continues to hold me responsible for these clearly unauthorized transactions. My repeated attempts to resolve this matter through their chat have been met with an unhelpful runaround. The company 's failure to act in accordance with its own policies has caused me significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: OH

Complaint narrative:
I had a credit builder and secured credit card account with self financial. I was able to close my credit builder on my app, but there was unforeseen deposit taken. This is my second time having a builder account with them. I dont remember them taking that deposit the first time. I tried getting in touch with a live agent for two days and I got the runaround from the email, AI assistant, and the ( XXXX ) customer support. Once I finally talked to a live agent she closed my credit card account over the phone and said I wouldnt receive my deposit for 30 days. Lastly they sent me a email stating that my credit card account wont be closed until XXXX. It all seem like questionable practices. Thankyou, have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters is reporting the same account ( # XXXX ) twice with conflicting balances ( {$86.00} vs {$280.00} ) and incorrect dates. This is false, misleading, and violates credit reporting rules. I demand the duplicate be deleted and all inaccurate information corrected immediately. Account Details : NATIONAL CREDIT ADJUSTERS , L.L.C Account # XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/XXXXXXXX Status : Collection account, {$280.00} past due as of XX/XX/XXXXXXXX Balance : {$280.00} Balance updated : XX/XX/XXXXXXXX NATIONAL CREDIT ADJUSTERS , L.L.C Account # XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/XXXXXXXX Status : Collection account, {$86.00} past due as of XX/XX/XXXXXXXX Balance : {$86.00} Balance updated : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX I financed a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX in XXXX, NJ. The loan was placed with Credit Acceptance at 17.99 % APR for 69 months with a $ XXXX monthly payment. I was the only borrower. During the signing process, dealership staff placed other papers over the loan agreement, covering the terms and disclosures so that only the signature section was visible. The APR, total finance charge, and full loan details were not clearly presented or explained to me at the time of signing. Staff directed me where to sign without allowing me to view the full document. I have video evidence showing dealership staff physically covering the loan document while exposing only the signature line during signing and directing her to sign. I have never previously financed a vehicle. The transaction included additional add-on products ( service contract {$2600.00} and GAP insurance {$1100.00} ), which significantly increased the total amount financed. These products were included in the loan, and the full financial impact was not clearly explained. When attempting to obtain written documentation regarding a denied warranty claim with the help of my son on the call, I was told I must mail a written request instead of being provided documentation electronically. I do have a call phootage of the warranty company saying my claim is declined. I believe the loan signing process involved deceptive practices and a failure to clearly disclose material loan terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year>XXXX I was a victim of scammers. The officer in charge of this case was sent screenshots of everything that I know longer have. The scammers scared me enough and they paid my balances on both of my capital one cards. Once they asked me to buy gift cards I realized what had happened. Since I didnt buy the gift cards and went to the sheriffs office they disputed their payments. The same day I called the capital one fraud department and they told me they fixed it and I also changed my passwords and requested new cards. XXXX came around and I noticed my cards were now restricted. Didnt know what that meant so I called capital one. They restricted it because the scammers bank account was still on my account. I thought they took care of it and did their job 5 months prior. They did not. Because they could only read from their script stating to tell them if it was my bank. I told them everything that happened prior and their only response was we cant help you all you can do is close the accounts. They refused to provide any other details or resources to help. They have made my credit score plummet because they were negligent and never notified me why they were restricted or that they even were restricted. I will never give them my business again. I will also warn everyone I know that they break their contract and dont care about the integrity of protecting their clients. Cards involved : Capital One XXXX & Capital One XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Validation of Debt Request - TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I returned my leased XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ending XXXX ) to an authorized dealership on XX/XX/XXXX. XXXX XXXX took possession at turn-in, and XXXX shows the vehicle was sold at auction on XX/XX/XXXX and has since been used and serviced in another state. Despite this, the Michigan Secretary of State still lists the vehicle under my name because XXXX XXXX has not updated its records or issued a liability release confirming I am not responsible for the vehicle after the turn-in. I sent written requests to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with all supporting documents, including the grounding form, XXXX report, and state screenshot. The company has not responded. As a result, I remain exposed to liability for a vehicle I have not possessed for nearly two years. I am seeking assistance to obtain the required documentation and reporting updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Today on XX/XX/year>, I received a call from a woman that identified herself as a representative from a courier company that had been contacted by a legal company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to deliver a letter to me by courier for a debt owed. She gave me an old address and asked if I had received the original communication. I told he I no longer lived at that address and had not received anything. She gave me a file # and a phone number to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I call the first number she gave me and it was bogus. So I call back and she gives me a new number with XXXX number changed. I call and they put me through to a representative who comes on and off the line saying they were " checking my file ''. The person proceeds to tell me that a legal case if being filed against me for over {$4000.00}. I asked from who and they tell me it is for an installment loan from a company formerly called XXXX XXXX and currently called Big Picture Loans. I have no recollection of this loan and I tell them this and they tell me that since I did not get the letter, woud I agree to resolve the debt and that I could avoid going to court and having the case filed against me. I say if I can find proof that the debt is mine, then I will resolve it. So he says ok well since you don't want to resolve it we will proceed with the legal filings and I say well, I would like to resolve it. He puts me on hold and while on hold I XXXX his company and the loan installment company and it says this is most likely a scam so I hang up.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/year> I was contacted by an individual impersonating Navy Federal Credit Union. The caller ID displayed Navy Federals official phone number, which led me to believe I was speaking with a legitimate representative. They were also able to tell me the amount in my account, my email, and mailing address. I was instructed to move funds from my account to a debit card for security purposes. Believing I was protecting my account from fraud, I followed the instructions. A total of approximately {$2100.00} was transferred and withdrawn to a prepaid debit card. I realized shortly afterward that I had been the victim of a scam and immediately reported the incident to Navy Federal as fraud. My claim was denied on the basis that the transaction was considered authorized. However, the authorization occurred only due to impersonation and caller ID spoofing of my financial institution. I am currently enrolled in XXXX XXXX and work limited hours while completing my XXXX. This loss represents a significant financial hardship for me. I respectfully request a secondary review of my claim and reconsideration of reimbursement given the impersonation circumstances and resulting hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request - CAINE & WEINER XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX was in an accident on XX/XX/XXXX. I had to rent a car until my insurance company determined it was totaled. It was determined a total loss by my insurance XX/XX/XXXX. I had to rent a car until XX/XX/XXXX until I found a new vehicle. The GM XXXX XXXX XXXX. has a policy that reimburses file and rental charges you if you rent a GM vehicle-see attached ( GM rental reimbursement program ). We provided the information to the GM XXXX XXXX on XX/XX/XXXX with all paperwork case # XXXX ( rental car bill and fuel charges-see attached ). On XX/XX/XXXX XXXX from GM XXXX XXXX XXXX and we were asked to provide letters from XXXX XXXX showing car was totaled. See attached XXXX XXXX XXXX letters of loss ) On XX/XX/XXXX XXXX from the GM XXXX XXXX XXXX. stated on the phone ( voicemail ) and email claim was closed with no reimbursement. See attached ( General Motor email ) We only want reimbursement from when XXXX XXXX no longer covered our rental car charges. We owned the vehicle until XXXX XXXX paid off and totaled the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation