vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Dear Bank of America, This is XXXX XXXX. I am the sole owner of XXXX XXXX XXXX which is a XXXX under XXXX XXXX XXXX ; which I solely own as well. 

Im reaching out regarding an existing claim related to fraudulent activity that began on XX/XX/year>, when a fraudulent bank account was added to my XXXX  account without authorization. I would like to confirm that the system was not compromised, but the person who created an account through your banking institution to commit fraud gained access to my account externally, via my email. 

The following internal actions have already been taken by XXXX and XXXX : -The misdirected funds have been marked as fraudulent. 
-An ACH reversal was attempted to recover the funds, though it failed. 
-The bank account used by the fraudulent actor has been blocked in XXXXXXXX XXXX XXXX 

Through XXXX, reversals were initiated, but the funds couldnt be recovered as they had already been withdrawn from the Bank of America accounts ending in XXXX and XXXX. The amount of funds fraudulently deposited is {$21000.00}. I want to clarify that this claim does not involve my bank, as they did not initiate the transfer. 

We are seeking the funds that were fraudulently deposited in your bank to be returned to me in accordance with the Electronic Funds Transfer Act ( EFTA ) Section 205.2 ( m ), which covers unauthorized or incorrect electronic fund transfers ( EFTs ), as theft was initiated through your banking institution. 

Below is the full account information for the fraudulent account, which we received after fraud was confirmed by the payment processor. Thank you for working with me to right this wrong. Please let us know if you need any further information. 

Account Number : XXXX Routing Number : XXXX Trace Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, 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 2026-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Re : Request for Deletion Improper or Duplicate Creditor Reporting To Whom It May Concern, XXXX XXXX XXXX I am writing regarding the above-referenced account currently being reported by your company on my credit reports. 

This account has been sold, transferred, or assigned to another creditor, and therefore your continued reporting of this tradeline appears to be inaccurate and duplicative. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), only the party with a current ownership or legal right to collect may report this account. 

At this time, another creditor is reporting the same account, which constitutes duplicate reporting and is materially misleading. If your company no longer owns or services this account, you are required to delete the tradeline entirely, not simply update it. 

I am requesting that you : 1. Immediately delete this account from XXXX, Equifax , and XXXX, and 2. Provide written confirmation that the deletion has been completed. 

If you believe you still have the legal authority to report this account, please provide documented proof of ownership, including the date of transfer and chain of title. 

Failure to correct this reporting may result in formal complaints filed with the CFPB, State Attorney General, and other applicable regulatory agencies. 

Thank you for your prompt cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Does not accurately account for my financial perspective.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: FL

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 2026-01-28 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: CA

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TN

Complaint narrative:
In XX/XX/XXXX, I received my first notice from a collection agency claiming I owed {$4700.00} to my former landlord. I vacated the apartment in XX/XX/XXXX and never received any final bill, move-out inspection report, or itemized accounting of damages. 

I timely disputed the debt and formally requested validation. The collector provided only a self-generated invoice summary and a copy of the lease. They did not provide a move-out inspection report, photographs of damages, proof of tenant-caused damage, third-party invoices, or any accounting or credit of my {$1800.00} security deposit. 

Despite the lack of lawful validation and the unresolved dispute, the collector reported the account to credit bureaus in XX/XX/XXXX. 

The claimed charges appear to consist primarily of routine unit turnover and normal wear-and-tear maintenance, not tenant-caused damages. Additionally, my landlord withheld my {$1800.00} security deposit without providing any written, itemized accounting as required under XXXX  landlord-tenant law. 

I believe this constitutes improper debt collection, inaccurate credit reporting, and failure to comply with state security deposit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: GA

Complaint narrative:
The original complaint numbers XXXX XXXX I am submitting this complaint as an escalation because National Credit Managements prior CFPB response contains admissions that directly contradict its continued credit reporting. 
In its CFPB response, National Credit Management stated that my account was closed on XX/XX/year> and returned to the original creditor, XXXX XXXX XXXX XXXX. If this is accurate, National Credit Management no longer has any legal authority to furnish, report, or maintain this tradeline on my credit report. 
Despite this statement, National Credit Management continues to report the account to consumer reporting agencies. This makes the reporting inaccurate and misleading. A company can not simultaneously claim an account is closed and returned while continuing to furnish information as if it remains active or collectible. 
I have previously disputed this account and attempted to resolve the issue directly. Rather than correcting the reporting, National Credit Management has issued a response that contradicts its own reporting behavior and has failed to delete the tradeline. 
Continuing to report an account after admitting it was closed and returned to the original creditor constitutes inaccurate credit reporting and failure to maintain reasonable procedures to ensure accuracy, in violation of the Fair Credit Reporting Act. It also misleads consumers regarding who currently owns or controls the alleged debt. 
I am requesting CFPB intervention to require National Credit Management to immediately delete its tradeline from all consumer reporting agencies, cease all furnishing activity related to this account, and provide written confirmation that the account will not be re-reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised. A fraudulent transfer of {$2000.00} was made to another PayPal account. That account is attached to the name XXXX XXXX and the email address XXXX. 

PayPal does not offer fraud protection for so-called " Friends and Family '' transactions. This is an all too convenient loophole for scammers that should be closed. I have been unable to get PayPal to hear me out on a very simple matter : this person isn't a friend or family member. I keep receiving canned responses from their customer service team, when it should be easy to resolve this clear cut instance of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Attempted to withdraw money the atm did not provide the funds but proceed to withdraw the money from my account, the bank is stating that they have proof I received the funds but will not provide the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS 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 and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My account for pay pal is good standing i have been trying to close my account since XX/XX/2026 they keep making up excuses about all these different excuses how their system it has all these glitches in that they will email me or someone will call me back. I've been trying since XXXX XXXX.I went a week without contacting them and again on XXXX XXXX XXXX.I tried to close my account out and again.It 's some other excuse why they can't close my account.Telling me that a supervisor will call me that they can't close my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XXXX XXXX, I used my Venmo XXXX debit card to pay {$310.00} to a merchant listed as " Simple E Tax Filin ''. This merchant engaged in DECEITFUL and PREDATORY PHISHING practices, misrepresenting themselves as an official tax service to obtain my financial information and funds. Charging me for a service that the IRS offers for free. 

My Attempt to Resolve : I have repeatedly attempted to resolve this with the merchant, Simple E Tax Filing and with Venmo Support ( Case # XXXX ). Despite providing evidence of the merchant 's deceit, Venmo has denied my dispute, claiming the service was " provided as agreed ''. On XX/XX/XXXX, I was denied, and reopened my case on XX/XX/XXXX, I spoke with a floor supervisor who refused to escalate the claim to a XXXX or a Compliance/Risk department for a meaningful review. Venmo is failing its obligations under Regulation E ( Electronic Fund Transfer Act ) by refusing to properly investigate a transaction involving a documented fraudulent merchant. 

Supporting Actions : I have already filed formal fraud reports regarding this merchant with the Federal Trade Commission ( FTC ) and the IRS ( XXXX ). Venmo is currently enabling a merchant involved in phishing scams by refusing to reverse this transaction. I have include a screen shot of the original XX/XX/XXXX request to the merchant that states that I was trying to get my free EIN thru the official IRS site, and FTC documentation. Venmo saying that the merchant provided the goods and services I paid for ( and not investigating the transaction under Regulation E )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this supplemental response regarding my CFPB complaint against BMO Bank N.A . concerning the {$400.00} new checking account promotional bonus for my BMO XXXX XXXX account ending in XXXX. 

BMO Bank states that my promotional period began on XX/XX/2025 and ended on XX/XX/2025. This calculation is incorrect. A promotion advertised as lasting 90 days beginning on XX/XX/XXXX must end on XX/XX/2025. Ending the promotional period on XX/XX/XXXX results in only 89 days, which is inconsistent with the terms as advertised. 

Importantly, on XX/XX/2025, I received an additional {$320.00} qualifying direct deposit. When this deposit is properly included within the full 90-day promotional period, my qualifying direct deposits exceed the required {$4000.00} threshold. Excluding this deposit based on an incorrectly shortened promotional window materially impacts eligibility and is improper. 

This issue goes beyond a simple eligibility dispute. The promotion was advertised in a manner that reasonably led consumers to believe they had a full 90 days to meet the stated requirements. Shortening the period by one day and denying the bonus as a result constitutes misleading and deceptive advertising.

Had the promotional period been accurately applied as advertised, or had the cutoff been clearly disclosed, this issue would not have occurred. Instead, I relied on the promotion in good faith when opening the account and directing my banking activity to BMO.

As a result of this experience, I intend to close my BMO account and will not recommend BMO Bank to friends, family, or colleagues. On the contrary, I will advise others against opening accounts with BMO due to this misleading promotional practice.

I respectfully request that the CFPB review this matter in light of the incorrect 90-day calculation and require BMO Bank to honor the promotional bonus as advertised or provide appropriate remediation. 

Thank you for your continued attention to this matter. 

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 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding Climb Credits handling of a private student loan. I signed a loan agreement on XX/XX/year>, but before any funds were disbursed I sent a written rescission/cancellation request on XX/XX/year>, clearly stating that I did not authorize the loan to be funded. Climb Credit did not process the rescission and instead redirected me to the school. I did not re-authorize the loan at any time after my rescission and dispute Climbs later claim that I signed or approved anything after that date. Despite notice of cancellation, Climb Credit issued updated loan documents and ultimately disbursed the loan against my wishes. Climb Credit is now treating the loan as active, demanding payment, and reporting the account to credit bureaus. I am currently in an active XXXX XXXX XXXX and had not sought trustee approval for this loan because I had already attempted to cancel it prior to disbursement ; Climb Credits actions have caused credit harm and created risk to my bankruptcy plan. I am disputing the validity and enforceability of this loan, request that it be treated as rescinded, and that all credit reporting be corrected and marked as disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
This debt is not mines. I am not responsible for this debt. I am in divorce process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request a copy of IRS Form 1099-C ( Cancellation of Debt ) for my auto loan account that was charged off with Navy Federal Credit Union XXXX 

Pursuant to 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, an applicable financial entity is required to file and furnish Form 1099-C when a debt of {$600.00} or more is canceled or discharged. A charge-off constitutes an identifiable event under IRS regulations and triggers the requirement to report the canceled debt to both the Internal Revenue Service and the consumer.

Additionally, under the Fair Credit Reportin

g Act ( 15 U.S.C. 1681 ), consumers are entitled to accurate and complete information regarding the status of their accounts, including whether a debt has been canceled and reported as income to the IRS. If a Form 1099-C has already been issued, please provide a copy for my records. If no Form 1099-C was issued,
please provide written confirmation stating whether the debt was canceled, forgiven, or otherwise discharged, and the basis for not issuing the form as required by federal law. 

Please respond in writing within a reasonable time frame. This request is made in good faith for tax and record-keeping purposes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> I paid all outstanding balances and fees related to my vehicle loan with VyStar Credit Union. VyStar confirmed that the payment was received and advised that proof of payment would be reflected as a posted transaction in my account rather than a separate proof of purchase document. 

VyStar also confirmed that they authorized and approved the release of my vehicle through XXXX XXXX and verified that the vehicle was still located at the recovery lot with XXXX XXXX XXXX XXXX at that time. 

Despite full payment and release authorization, the vehicle was subsequently transported toward auction due to the failure to transmit release paperwork. I dispute any storage, transport, or auction-related fees incurred after the date and time of my payment, as these were the result of internal and agent processing failures and not any action or omission on my part. 

This statement is provided to document that payment was completed prior to any auction activity and that the vehicle should have been released accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I sent {$410000.00} in XXXX from my account at XXXX to my account at Coinbase. I accidentally sent this on the XXXX XXXX XXXX XXXX. Coinbase does not support the XXXX XXXX XXXX XXXX Ive spoken to them twice. On the first occasion, the customer service rep quote promised me that Coinbase will be eventually supporting the XXXX XXXX XXXX and my funds would be recovered. Several months later I contacted Coinbase concierge and reported the same problem and they told me that they were unable to recover my funds and that there were no plans to integrate the XXXX  XXXX XXXX. 

I do know the funds are still at Coinbase, but they must manually recover those funds using their private key they hold. They must manually recover my funds and they have the ability to do so. They just wont. XXXX XXXX is unable to provide any support since they sent the funds and it is now at Coinbases address. Here are the details : XXXX XXXX XXXX : XXXX ( confirmed on-chain ; no errors reported ). 
From Address : XXXX XXXX ( this is my XXXX account ) To Address : XXXX XXXX ( this matches my Coinbase XXXX deposit address ). 
Amount : XXXX USDC

Company response to consumer: Closed with monetary relief