vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing XXXX formally request a reconsideration of the late fees and associated interest charges applied XXXX my account for the XXXX and XXXX billing cycles. After a previous discussion with customer service, I am escalating this matter as the current " habitual '' classification of these lapses does not accurately reflect my long-term history XXXX relationship with this institution. I would like XXXX highlight the following points regarding this dispute : Disproportionate Fee-to-Balance Ratio : In XXXX, my total purchases amounted XXXX only {$31.00}, XXXX in XXXX, they were {$56.00}. Applying a {$29.00} late fee to balances of this size results in a penalty that is nearly XXXX % XXXX XXXX % of the principal balance, respectively. I find these charges XXXX be predatory XXXX fundamentally disconnected from the actual cost of servicing these small transactions. Established Payment History : My history with this card demonstrates a consistent ability XXXX intent XXXX manage much larger balances responsibly. These XXXX recent instances are an isolated lapse in oversight, not a reflection of my financial character or a " habitual '' disregard for my obligations.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OR

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 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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
NOTICE OF INTENT XXXX SUE FOR WILLFUL NON-COMPLIANCE XXXX : Consumer Financial Protection Bureau ( CFPB ) COMPANY : Credit Acceptance Corp XXXX XXXX XXXX XXXX / XXXX REF CASE # : XXXX DATE : XX/XX/year> SUBJECT : REJECTION OF COMPANY RESPONSE WILLFUL VIOLATION OF XXXX XXXX. XXXX & XXXX XXXX. XXXX ( b ) I am formally rejecting the response provided by the companies on XX/XX/year>. The claim of " potential fraud '' is a documented bad-faith stall tactic XXXX a willful mischaracterization of my dispute. STATEMENT OF FACTS : I have explicitly confirmed this is my account. I am not a victim of identity theft. My dispute is based solely on Statutory Obsolescence. Account # XXXX has been reporting for XXXX years and XXXX months. Under XXXX XXXX. XXXX ( a ) ( XXXX ), accounts must be removed XXXX years from the Date of XXXX Delinquency ( DOFD ). By continuing to report this nearly XXXX debt, the bureaus are in direct violation of federal law. By tagging this as " fraud, '' the companies are attempting XXXX bypass the mandatory " purge '' requirements, which constitutes a failure to maintain reasonable procedures for accuracy under XXXX XXXX. XXXX ( b ). NOTICE OF INTENT TO SUE : This letter serves as formal notice that if this obsolete, time-barred trade line is not permanently deleted from my credit files within XXXX ( XXXX ) business days, I will initiate a civil action in federal or small claims court. I will be seeking : Actual XXXX Statutory Damages ( {$1000.00} per violation ) under XXXX XXXX. XXXX. Punitive Damages for the willful and deceptive " fraud '' tagging used to circumvent the law. Legal Fees XXXX Court Costs. The clock has expired on your right to report this data. Delete this account immediately. Sincerely, XXXX 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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2025, I made qualifying purchases using the Pay Later feature on my PayPal account in connection with a promotional offer advertising XXXX % cash-back rewards. According XXXX the promotion, eligible transactions would earn reward points after completion of the purchase. Two transactions qualified for the promotion and generated rewards totaling XXXX points ( XXXX points and XXXX points ). These rewards appeared in my PayPal account but have remained in pending status for more than three months after the transactions were completed. The promotional terms did not indicate that rewards would remain pending for such an extended period. Based on the information provided at the time of the promotion, the rewards should have been posted within a reasonable timeframe after the transactions settled. I contacted PayPal customer support twice by email to request clarification and resolution. In my message, I asked PayPal to explain the prolonged pending status, confirm that the transactions qualified for the promotion, and provide a specific date when the rewards would be credited to my account. Despite waiting over four weeks from my sent email effort, I have not received any response from PayPal at all. At this point, PayPal is holding XXXX promotional reward points earned through qualifying transactions without explanation and has not responded to my written inquiry. I am requesting that PayPal review the transactions, confirm that they qualify under the promotion, and promptly release the pending rewards to my account or provide a clear written explanation for the delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I was deceived by an impostor posing as my father ( contact saved as Dad ; XXXX messages consistent with our normal family communication ). The impostor directed me to send {$480.00} via XXXX to a third-party recipient I do not know : XXXX XXXX XXXX XXXX ( XXXX XXXX ID : XXXX ), from my Capital One checking account ending XXXX. After the transfer, the impostor pressured me to send additional money, avoided real-time verification by refusing to answer my calls, and later confessed in writing : XXXX XXXX XXXX XXXX XXXX : I already robbed you/ I already stole from you ). During the attempted second transfer, Capital Ones own systems flagged unusual activity and blocked the additional XXXX payment. I reported the fraud promptly. Capital One denied my claim on the sole basis that the payment was processed according to my instructions and stated the denial could not be appealed, even though the transfer was induced by impersonation and deception ( not a merchant dispute ). I provided detailed screenshots, XXXX translations, and XXXX XXXX XXXX documentation, XXXX. # XXXX, which classifies the incident as deceptive practice/financial identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Subject : Procedural deficiencies and failure to conduct a new investigation in Wells Fargos XX/XX/XXXX Final Determination letter. XXXX XXXX XX/XX/XXXX Final Determination letter is procedurally defective. It does not contain any new investigation, does not address the issues raised in my CFPB complaint, and improperly closes my case by recycling an older determination letter from XX/XX/XXXX. 1. No investigation was conducted for this complaint The letter states : Your concerns have been thoroughly addressed in our response letter dated XX/XX/XXXX. This is not a valid investigation. A new CFPB complaint requires a new review, not a copyandpaste of a prior letter. The XX/XX/XXXX letter contains no findings, no analysis, no evidence, and no response to the issues raised in the XX/XX/XXXX CFPB complaint. 2. The letter fails to address the ATM deposit entirely The ATM deposit was the central issue in my complaint. This letter does not mention the ATM deposit at all. A determination that omits the primary disputed transaction is procedurally defective and prevents me from understanding the basis of the denial. 3. The letter improperly relies on a prior determination that was itself incomplete The XX/XX/XXXX letter ( which was enclosed ) also failed to address the ATM deposit, provided no evidence, and contained contradictions. The XX/XX/XXXX letter simply reattaches that flawed letter and closes my case without review. 4. The letter closes the case without addressing any of the issues raised The letter states : We have closed the case as of the date of this letter. This is inappropriate because : no investigation was conducted no evidence was provided the ATM deposit was not addressed the XX/XX/XXXX CFPB complaint issues were ignored the bank did not respond to the detectives search warrant Closing a case without reviewing the complaint is a procedural failure. 5. The letter contains no explanation of what was reviewed The letter claims : We have completed our research However, the letter contains no findings, no documentation, and no explanation of what was reviewed. A determination that references an investigation but provides no supporting information is procedurally insufficient. 6. The letter fails to meet CFPB requirements for a substantive response A CFPB response must address : the issues raised the evidence reviewed the banks findings the basis for the determination This letter does none of these things. -- -

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

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 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am disputing a Portfolio Recovery Associates account in the amount of approximately {$360.00} that they claim originated with XXXX XXXX for a XXXX XXXXXXXX XXXX XXXX I previously requested validation of this alleged debt and documentation demonstrating that I am legally responsible for the account. In response, Portfolio Recovery Associates provided billing statements and a letter stating that they purchased the account from XXXX XXXX. However, the documentation provided does not demonstrate that I opened or authorized this account. The materials provided do not include a signed agreement, application, or documentation showing that I authorized the account or incurred the charges. Because sufficient validation demonstrating that I am legally obligated for this debt has not been provided, the account remains in dispute. I believe that Portfolio Recovery Associates has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by failing to provide proper validation of the alleged debt and continuing collection activity without documentation proving I am legally responsible. Additionally, reporting this account to credit bureaus without proper validation may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, because the information they provided is inaccurate and unverified. I have requested documentation for this alleged debt that has not been provided. I am requesting that the account not be reported to any consumer reporting agency, not be sold to another collection agency, and that all collection activity cease. I also request that all communication regarding this matter be provided in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I obtained a vehicle secured installment loan serviced by LoanMart and issued by XXXX XXXX XXXX. The loan has an APR of approximately 97 % and total repayment of over {$35000.00} for a loan of about {$12000.00}. I reside in California, where consumer loan interest rates are typically limited, yet this loan was structured through an out-of-state bank in Utah. I believe this may be an attempt to evade California consumer protection laws through a bank-partnership model. The loan terms appear excessively high and potentially predatory. I am requesting a full investigation into the legality of this loan structure, a complete breakdown of my loan balance and interest calculations, and consideration for reduction or adjustment of the loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I requested a deferment on my loan due to a temporary financial hardship. This was approved on XXXX XXXX, stating that my first payment was due on XX/XX/XXXX, in the amount of XXXX. The payment was made on XX/XX/year>, a month before it was due. The auto company wrongly marked this account delinquent when I was using financial assistance that was offered to me through the loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Complaint against Openbank by Santander bank I called to get info on my balance and XXXX in customer and I was told customer service can not assist cause I have a previous issue that has nothin to do with the reason for the call This is ridiculous So now I cant even get assisted by customer service My rights as a consumer are being compromised due to this company not wanting to provide basic assistance. The rep in executive office name XXXX cant even resolve the initial issue This company is ridiculous reps are not trained property I am being affected by it.

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello! My name is XXXX XXXX. I sent a letter to your agency on XX/XX/year>, and this is now my second attempt to dispute the same inaccurate account appearing on my credit report. I am beyond frustrated and emotionally drained that I even have to write again about the same issue. I trusted that my first dispute would be taken seriously, yet the incorrect information continues to appear on my report, damaging my financial reputation and causing real harm to my daily life. Because of these errors, I have been denied opportunities and have struggled to use my credit the way any responsible person should be able to. The stress this situation has caused me and my family is overwhelming, and it feels incredibly unfair to suffer because of information that is not even accurate. I am pleading with your agency to take this matter seriously and comply with your legal obligation to ensure the accuracy of the information you report. Every item listed in my complaint is reporting incorrect information and must be properly investigated and removed immediately so my credit file can finally reflect the truth. For the sake of my mental health and the well-being of my family, I am asking you to carefully review the letter I attached and correct this mistake without further delay. Continuing to report inaccurate information after being notified not only causes severe personal damage, but it also exposes your agency to serious legal consequences and liability for the harm being done. Please do the right thing and remove these accounts from my credit report immediately.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
My name is XXXX and I received a cashiers check for a certain amount from USAA Bank. I didnt have a bank account to there bank and need a re-issued cashiers check to deposit into my bank account.

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 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I am disputing the validity of the alleged debt ( Account # XXXX ) being collected by Qualia Collection Services ( Optio Solutions , LLC ). This debt stems from move-out " cleaning fees '' charged by XXXX XXXX in XXXX, which I previously disputed with the original creditor by providing time-stamped photos and a receipt from a professional cleaning service proving the unit was left in excellent condition. Violations of the FDCPA and FCRA : Failure to Validate : On, XX/XX/XXXX I responded to a collection text from this agency and formally requested validation of the debt. To date, I have received XXXX response, XXXX itemization of charges, and no proof of liability. Unlawful Collection Activity : Despite my timely dispute, the agency failed to provide validation and instead proceeded to report this as a derogatory item on my credit report in XX/XX/XXXX. This is a direct violation of the FDCPA, which requires a collector to " cease collection '' ( including credit reporting ) until validation is provided. Failure to Mark as Disputed : The agency has reported this debt to the credit bureaus without the required " disputed '' status, which is a violation of the Fair Credit Reporting Act ( FCRA ). Desired Resolution : I request that Qualia Collection Services immediately cease collection, provide the legally required validation of the alleged debt, and delete the inaccurate tradeline from all three credit bureaus ( XXXX XXXX and XXXX ) as they have failed to prove I am liable for these fees. This is a recurring issue with XXXX XXXX. I have previously filed formal reports regarding their predatory billing practices. The debt collector is now attempting to bypass my previous successful disputes by reporting this unvalidated debt to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HomeServices of Iowa
State: IL

Complaint narrative:
I am formally disputing the abovereferenced account. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to challenge the accuracy, validity, and ownership of this alleged debt. You have repeatedly contacted me in a manner that I consider harassing, excessive, and unacceptable. Your actions have caused unnecessary stress and violate my rights under 15 U.S.C. 1692d, which prohibits harassment and abusive collection practices. Because I dispute this debt in its entirety, I am demanding the following : Immediate verification of the debt as required under 15 U.S.C. 1692g. This must include full documentation proving I owe this amount, proof of your legal right to collect it, and a complete accounting of the balance. Immediate cessation of all collection activity, including phone calls, emails, text messages, and letters, until you provide proper validation. Immediate removal of this account from any credit reporting agency if you can not fully validate it. Reporting unverified or inaccurate information violates the FCRA. If you continue to contact me without supplying proper validation, or if the harassment continues in any form, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I expect a written response within the time required by law. All future communication must be in writing only.

Company response to consumer: Untimely response