vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
My dept was {$2800.00} for about a year and a half since I lost my job and couldn't pay off the cards I had. I was finally stable and I was going to make an offer on the accounts this XXXX with my tax return. That's when I noticed my dept more then doubled to a little over {$6000.00} right before a couple lawsuits were filed. After doing a dive I found that they do not have signed copies of any of the original contracts. So they can not legally add on the charges they show in there " internal files '' which show no dates and no supporting information about how the interest was added. On XXXX credit XXXX file it shows a balance of around {$650.00} then they show an internal file that shows a balance of {$1100.00}. That one is especially ineresting. At least with the avant card they attempted to show the dept rising from {$500.00} to {$890.00} or whatever it is. This one nope nothing {$650.00} straight to {$1100.00}. They even have XXXX line that says " no statement found ''. Not sure what thats about. I guess I'll ask in court.I 've shown this to a couple of consumer protection lawyers and they all said the same thing. Something really wrong is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts currently reflected on my credit report. Upon reviewing my report, I have identified information that appears to be outdated, inaccurate, or incomplete. I respectfully request that the necessary corrections be made to ensure that my credit file accurately reflects my current, verified, and up-to-date financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXX XX/XX/year> {$120.00} XXXX tried to get support on potentially being scammed & they basically told me I had to go through Cashapp support because they don't believe I am myself, which is a lie because I've called previously XXXX other times they never even disputed my case & refuse to give me my refund... I can't even speak to who's in charge so now I'm preparing for legal action against both parties

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/year>, my husband, who was XXXX and in hospice for XXXX XXXX and taking multiple medications including painkillers, answered a call from someone who said they were from Bank of America, he believed. It was a scam. The scammer proceeded to request ( XXXX ) cash advances from my credit card totaling {$27000.00} to ( XXXX ) banks. A fourth request was sent to my checking account at XXXX Bank, but they stopped it. The first issue is that my credit card limit is {$22000.00}. How did Bank of America allow this to happen above my limit? I did not authorize these transactions, and my husband had no capacity to authorize them. I have tried to resolve this with Bank of America XXXX XXXX Department and XXXX Department, but they never provided any documentation that they promised and have flatly declined my claims with no explanation. They will not speak to me on the phone because the contact number for an authorization text was changed by the scammer and Bank of America will not provide it to me so I can provide it to law enforcement. I have traveled to the XXXX, PA branch twice and met with a Bank of America representative, XXXX XXXX. He was very helpful and agreed that this never should have happened. His calls to the XXXX Department were dismissed, also. I also learned that this exact situation has happened to other Bank of America customers, all senior citizens. I am starting to believe it is an inside job within Bank of America because they have stifled all attempts to resolve this and receive information about the transactions. I have tried to work with Bank of America for 3 months to resolve this and no cooperation whatsoever from Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
- XX/XX/XXXX - Initiated the transfer from XXXX to XXXX for {$5000.00} ( + {$1.00} fee ). - XX/XX/XXXX - XXXX per Abound 's XXXX ( joinabound.com ), funds should have been settled in XXXX business days. - XX/XX/XXXX - I reached out to Abound 's customer service using email and raised a service ticket with them. - I have followed up with Abound over email " XXXX '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for update or initiate the refund. - I was told by Abound that transaction can only be cancelled within XXXX of initiating the transaction. - I got response from different representatives in Abound asking for XXXX days time everytime and then again missing the commitment. - XX/XX/XXXX - I asked Abound where the transfer is stuck and if they can share the XXXX number. - XX/XX/XXXX - I am still waiting for the funds to be settled by Abound.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a complaint against Bank of America regarding an unauthorized transaction on my checking account ( last XXXX digits XXXX ) in the amount of approximately {$850.00}. My original claim ID IS XXXX This transaction was reported by me as fraudulent because it occurred in Ohio, a location I have never visited. I did not authorize this transaction, did not make this purchase, and did not give anyone permission to use my account. After I reported the transaction, Bank of America issued a provisional credit while they investigated. Approximately XXXX months later, they reversed the credit and claimed the transaction was authorized. I strongly dispute this conclusion. I have attempted to resolve this issue directly with Bank of America by contacting customer service and visiting a branch twice. Despite explaining that I have never been to Ohio and did not authorize this transaction, I was told I am still responsible for the balance. As a result, my account is now overdrawn by {$850.00} and at risk of being closed due to a transaction I did not authorize. I am requesting that Bank of America : XXXX. Reopen and properly reinvestigate this claim XXXX. Provide all documentation used to determine that this transaction was authorized XXXX. Remove the {$850.00} charge from my account I am exercising my rights under the Electronic Fund Transfer Act ( Regulation XXXX ) regarding unauthorized transactions and expect a fair resolution. This situation is causing financial harm and may negatively impact my ability to maintain a 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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I purchased a vehicle from XXXX XXXX thinking the car was around XXXX XXXX had I not rushed through paperwork this would of never happened most importantly had I known about a 22 % apr and car fax I would of never signed no contract at all this is insane especially for a used car from an auction first the warranty now this XXXX XXXX the car been giving me issues from the XXXX month which was the alternator and the wire I took it to XXXX dealership sat there for XXXX because I didn't have the money to fix it I just got tired of spending my money got a new car I drove this vehicle for XXXX had it for XXXX yrs so for XXXX and a half yrs I been paying XXXX a month plus full coverage insurance the loan is predatory itself and the car is junk plus it's been in a car accident and numerous issues on XXXX XXXX this car was not reliable at all had I not rushed to get out of there this would of never happened especially had I educated myself and understood the structure of the loan with a high apr and they structured the loan to keep you stuck with negativity equity nobody wants to refinance it as well this has been a nightmare nothing but stressful and I'm asking for relief I paid all this money for a vehicle for XXXX that has drove just sitting in my driveway

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding {$420.00} in deferred interest charges and improper handling of my account. I maintained autopay and never missed a payment. At the end of the promotional period, I only had a remaining balance of {$200.00}. I was not clearly notified of the exact expiration date. Additionally, during a follow-up call, a representative XXXX closed my account without my clear authorization, refused to provide reasonable assistance, and stated I would need an attorney to access call recordings. The interaction was unprofessional and dismissive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ZWICKER & ASSOCIATES
State: MS

Complaint narrative:
XX/XX/XXXX at XXXX : I was informed that my debt was paid by an XXXX and I had offered to pay the rest of my amount due when I had the money in my account but she only took {$240.00} out of my account. Requested all of my information to be transferred to my new address which was from XXXX, CA to XXXX, XXXX XXXX XX/XX/XXXX at XXXX : I received a voice message from XXXX XXXX and she requested I call back regarding debt I assumed was paid off. XX/XX/XXXX at XXXX : I called and spoke with XXXX and he had taken down my complaint. He admitted that notes were taken from all previous payments and calls regarding the debt and it was an error. Stated he would excelate to management but on previous call back in XXXX he saw that I had talked to a previous manager and they did not adhere to any of my requests so I have a lawsuit happening in California regarding this debt and I had stated I would complain because they are not in compliance with my requests and now I am frustrated over such a terrible overlook.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I successfully completed a trial loan modification in early 2026. After completion of the trial, the servicer issued a final loan modification agreement dated XXXX XXXX, 2026, which I intended to accept. After the return deadline passed, I contacted the servicer and was informed that a final modification agreement had been issued and mailed, which was the first time I became aware that the agreement existed. The final modification agreement was mailed to my XXXX XXXX XXXX XXXX was received after the stated return deadline. Delivery to a XXXX XXXX XXXX not require a receipt signature, and I did not receive or review the agreement prior to the deadline. Upon first review, I immediately executed and notarized the agreement and returned it to the servicer via XXXX After returning the executed agreement, I submitted written requests asking the servicer to reinstate or re issue the finalized modification due to delayed mail delivery and lack of prior notice of the terms. Instead of being reviewed as a servicing request related to a finalized modification, my submission was treated as a hardship appeal. The appeal was denied, and I was later informed that the underwriter closed the file. A senior XXXX stated no further internal escalation or servicing review was available. My concern is not denial of hardship assistance. My concern is that the servicer failed to properly process or review reinstatement or re issuance of a final loan modification already approved after successful trial completion, due to mail delivery delay and misclassification of my request, and closed the file without a servicing level or investor review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN FINANCIAL MANAGEMENT, INC.
State: LA

Complaint narrative:
I am submitting a complaint against multiple debt collection agencies for potential violations of federal consumer protection laws. After disputing the debts and requesting proper validation, the companies failed to provide sufficient evidence that I am legally responsible, such as original agreements, ownership documentation, or complete account records. Despite this lack of verification, collection efforts and credit reporting may have continued. This raises concerns about possible violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), particularly regarding debt validation and the accuracy of reported information. In summary, these agencies appear to be attempting to collect and report unverified debts, suggesting possible noncompliance with federal regulations.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing a complaint against SoFi Bank regarding their denial of my fraud claim involving unauthorized XXXX transactions. On XX/XX/scrub>XXXX2026, I received a phishing text message posing as a package tracking notification that contained a malicious link. Following this incident, my personal and/or banking credentials were compromised without my authorization. As a result, unauthorized access was gained to my SoFi account, and funds were transferred out via XXXX without my knowledge, consent, or authorization. I did not initiate, approve, or benefit from these transactions. These were unauthorized electronic fund transfers resulting from account compromise. The XXXX was XXXX which was all I had in my account I reported the unauthorized activity to SoFi on 0XXXX/2026, within one day of the incident. Despite my timely report, SoFi denied my claim and stated that the transactions were authorized. Additionally, my XXXX access has since been restricted, which indicates that the account activity was considered suspicious or potentially fraudulent. Under the Electronic Fund Transfer Act and Regulation E, unauthorized transfers resulting from account compromise must be properly investigated and reimbursed when the consumer did not provide valid authorization. SoFi has failed to : Properly classify these transfers as unauthorized ConduXXXX a reasonable investigation into account access and login activity Provide evidence that I authorized these transactions Adequately protect my account from unauthorized access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: RFNA, LP
State: TN

Complaint narrative:
I obtained a signature loan from XXXX XXXX which was located in Tennessee prior to XXXX. It was for around {$2400.00}. I made payments on it. About the same time my wife became very ill with XXXX which she died from in XX/XX/XXXX. She was diagnosed in XX/XX/XXXX. I was slow making payments at that time. XXXX XXXX kept pursuing me and sued me in court. During the lawsuit the amounts shown were not correct. We went to court and the attorney for republic wanted to know where the equipment was. I told him there was no equipment involved. I saw him write down lawnmower on his paperwork and he created a serial number. The amount was way higher than I had originally made the loan for. I explained that is wrong. I was dealing with my wife being sick. She was going through XXXX and XXXX and eventually a 12 hour XXXX. I just couldnt deal with this. It went back to court again and I dont remember why but the new attorney asked about the lawnmower. I explained there was no equipment and that the amount was wrong. He decided not to pursue it and at that time my wife had been going through XXXX and more XXXX. The attorney said theyre not going to pursue it because the other attorney had created a fake document and number. At that time I didnt care. So for years this thing has just laid there. Lately Ive tried to get a loan to catch up some old debts and current credit cards. XXXX XXXX showed up on there. I also received a phone call from XXXX XXXX about the debt. I explained it to the person. She told me that its changed hands several times and the XXXX had done some shady deals. Today XXXX XXXX XXXX XXXX. Retired and military XXXX. I try to do things to make extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I am formally disputing a collection account in the amount of {$860.00} originally associated with XXXX XXXX ( XXXX ) and currently reported by Harris & Harris. I have no knowledge of this account and did not authorize any services with XXXX XXXX. I did not open, use, or benefit from this account in any way. I believe this account is the result of identity theft or unauthorized use of my personal information. This account was transferred to a collection agency without my knowledge, and I was not properly notified or given the opportunity to verify this debt. As a result, this inaccurate reporting is negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief