vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : XXXX. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : -Bank of America XXXX XXXX {$1300.00} ( XXXX Account ) XXXX. These accounts contain inconsistencies including, but not limited XXXX : - XXXX reporting entities for the same alleged debt - Conflicting account statuses XXXX dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation XXXX. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated XXXX pay these alleged debts as currently reported. XXXX. Pursuant XXXX the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information XXXX. Under XXXX XXXX. XXXX ( a ), you are required XXXX conduct a reasonable reinvestigation of disputed information. XXXX. Under XXXX XXXX. XXXX ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. XXXX. I invoke my rights under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires furnishers XXXX conduct a meaningful investigation. XXXX. Additionally, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirms that credit bureaus must go beyond superficial verification. XXXX. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. XXXX. Failure to provide proper verification within XXXX days requires immediate deletion of the disputed accounts. XXXX. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under XXXX XXXX. XXXX, making you liable for damages. XXXX. This affidavit serves as formal legal notice. Any failure XXXX comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE XXXX AGENT IS NOTICE XXXX PRINCIPAL NOTICE XXXX PRINCIPAL IS NOTICE XXXX XXXX Executed on this XXXX day of XXXX, XXXX. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' XXXX - XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
This is with cashapp and I have ever transaction i am referring to. There are so many of them and all cashapp keeps saying is that it's the merchants. That cashapp will be happy to file a formal complaint/dispute for me!! I have already talked with the merchants and was told by each one of them that the amount they collected was the only amount I owed!! But cashapp continues to lie and say that it's the merchants. My purchases are never settled under 10 days even whenever the merchants has finalized the transactions. It is only with the transaction that I am owed money from a pending transaction. All other transactions where I'm not owed any money back those transactions are done within XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unauthorized transactions were made from my account on around XXXX $ which after adding interest amount to XXXX $ till date. As soon as I became aware of these transactions, I immediately contacted the bank to report the issue and initiate a dispute. However, during the complaint process, the bank representatives insisted that I provide a State ID as part of the verification process. I do not possess a State ID, as my account was legitimately opened using an XXXX. Despite explaining this multiple times, my concern was not properly addressed. Instead of resolving the issue, the bank blocked my account and has since refused to process my claim or reverse the unauthorized transactions. This has caused me financial loss and has deprived me of access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase falsely turned my account over to a law firm and did not follow an agreed on paper settlement. On XXXX 2025 chase sent document on settlement with a percentage off debt and a monthly payment to be auto withdrawn from my account. However they never auto withdrew a single payment. I called in 3 months in s row to be walked through to make an online payment. I was assured numerously the auto payment issue was figured out and they would start shortly. After no auto payment again I called and was re assured again they would start. Instead they turned my debt over to a law firm without a single withdraw from my account as they stated they would. They also stated they would send checks that they create and send me for additional payment that never happened as well. They simply did not follow the agreement and breached it by not auto withdrawing as stated on paper and not informing me if there was any difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: GA

Complaint narrative:
I had the vehicle a couple days and took it back and I never received the vehicle back from the company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
On XX/XX/year> I found myself in a vulnerable situation in which someone offered a ride in exchange for gas money to pick me up and transport me to safety. After sending {$40.00} USD the person in question never arrived and blocked contact with me. On XX/XX/year> I filed a dispute with Cash App and reached out to their support team, they agreed I was scammed and assured me it would be taken care of. On XX/XX/year> my claim was denied, I message support and they walk me through filing another dispute to which they agreed I was scammed and left in a dangerous situation that would be handled accordingly, in XX/XX/year> this dispute was also denied so I again reach out to cash apps support team who once again sides with me in the chat and says they will not only fight to get my funds back, but will also expedite the claim, days since have passed and I have seen no results or efforts outside of empty promises and inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This account was opened fraudulent and I did not approve, apply, nor consented this account on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was with a company and had a corporate card. The company closed down. XXXX. JP Morgan Chase, reverted the card to me personally. It had late payments that are now on my credit. The balance was {$12000.00} and all company expenses. I asked for evidence of personal responsibility. They shared none. I was told because I made payments from a personal account, then that made me personally liable. I borrowed money to pay off the balance and just want this off my credit report. They refuse and still show no evidence of personal responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid for a hotel room but after seeing bed bugs, hand prints & hair all over the bathroom & seeing how filthy the pool was I talked to the manager about a refund and she denied. My family and I ended up leaving the hotel and going back home. I called the hotels corporate and they said someone was going to call me but they never called me back. I then disputed it with my bank which is XXXX and they denied the dispute. I never received the services that I paid for and I shouldve received a refund. Im hoping I can get my money back especially since we didnt even get to stay due to health hazards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
Company Name : Results Unlimited, LLC Address : XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX, VA XXXX I am filing a complaint regarding an invalid and disputed debt being collected by Results Unlimited, LLC on behalf of XXXX XXXX XXXX XXXX XXXX. I dispute this debt in its entirety. The alleged balance of {$1100.00} consists of charges that were previously disputed directly with the property management for several months prior to being sent to collections. Despite multiple written communications requesting correction, the property failed to provide an accurate accounting and instead referred the account to collections. The disputed charges include : * Improper rent, pet rent, and premium charges for XXXX, despite lawful surrender of possession on XX/XX/year> * Erroneous late fees, insurance administrative charges, and legal fees * An inaccurate and inflated utility bill, including water charges that do not reflect actual usage and may be related to a building pipe burst I provided proper written notice to vacate ( acknowledged XX/XX/year> ) and surrendered possession on XX/XX/year>, including return of keys and confirmation of move-out condition. The property management was aware of these disputes and failed to resolve them before sending the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : XXXX. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : WFBNA AUTO- {$55000.00} ( XXXX account number XXXX. These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation XXXX. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. XXXX. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information XXXX. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. XXXX. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. XXXX. I invoke my rights under XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which requires furnishers to conduct a meaningful investigation. XXXX. Additionally, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that credit bureaus must go beyond superficial verification. XXXX. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. XXXX. Failure to provide proper verification within XXXX days requires immediate deletion of the disputed accounts. XXXX. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. XXXX. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, XXXX. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as WFBNA AUTO XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Benuck & Rainey, Inc.
State: NH

Complaint narrative:
Complaint Against Debt Collector - Violations of the Fair Debt Collection Practices Act ( FDCPA ) I am submitting this complaint regarding a debt collection interaction with Benuck & Rainey related to a medical account ( Account # : XXXX ). On XX/XX/year>, at approximately XXXX XXXX, I spoke with a representative identified as XXXX XXXX. During this call, I was told that my account balance was {$1600.00} and that I was required to make payment within one hour or I would not be able to proceed with a scheduled medical procedure the following day. This statement was extremely concerning given the time-sensitive and medically necessary nature of the procedure. The communication created a clear sense that my access to care was contingent upon immediate payment, which I found to be coercive and inappropriate. During the call, I attempted to ask clarifying questions, including asking what time the office closed so I could contact the surgical center. I was told, It doesnt matter, we are all on the same clock, you have one hour to pay. This response further reinforced the urgency and pressure applied during the interaction. Additionally, I was later informed that statements were made to a third party ( XXXX XXXX, Director of Patient Accounts at XXXX ) suggesting that I was being sneaky in attempting to pay a lower amount. This characterization is inaccurate. I was attempting to clarify a discrepancy in balances that I had been quoted and was not attempting to avoid payment. Although the company later disputed aspects of my account of events, including prior communications and internal contact with third parties, my complaint is based on the conduct and communication style used during my direct interaction with their representative. I ultimately paid the account in full ; however, I did so under pressure due to the implication that my scheduled medical procedure could be impacted if I did not make immediate payment. I believe this situation may involve violations of the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692d - Use of conduct that may be considered harassing, oppressive, or abusive 15 U.S.C. 1692e - Use of false, deceptive, or misleading representations, including implications regarding consequences tied to non-payment 15 U.S.C. 1692f - Use of unfair or unconscionable means to collect a debt Specifically, the use of a one-hour deadline tied to a medical procedure created a coercive environment and may have misrepresented the consequences of non-payment. I am requesting that this matter be reviewed to determine whether the collection practices used in this case violated the FDCPA. I also request that this complaint be documented to help prevent similar experiences for other consumers. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding the handling of my auto loan account ( Global Lending ) following a total loss. On XX/XX/year>, my vehicle was declared a total loss. My insurance company contacted my finance company and obtained a payoff quote which was valid through XX/XX/year>. Keep in mind. My insurance company was not able to send the funds electronically. It could only be mailed in. Prior to the loss, I had already made my XXXX payment. After the total loss, I contacted Global lending XXXX ) and requested a refund for the XXXX payment. The overseas representative never suggested that I wait until the payoff check was received. And XXXX payment was issued back to me. On XX/XX/XXXX I check my online account and noticed I had an invoice for XXXX. I spoke with several representatives, including representatives from the escalation team and no one could logically explain to me why I will still being held accountable for XXXX and the payoff amount was received and apply to the account. After going back-and-forth with several representatives on XX/XX/XXXX, I made the full payment thinking I would receive a refund minus any interest. On XX/XX/XXXX, I opened up a XXXX XXXX XXXX complaint a week later I received a response from the corporate office and their response did not include any explanation on why Im still held accountable for XXXX full payment. Also, in their response, they included my payment history, which I was totally confused by their response. I am requesting XXXX payment ( {$580.00} ) to be refunded back to me minus any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: FL

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of unauthorized debit card transactions totaling {$460.00}. I reported these transactions within one business day XXXX clearly stated they were unauthorized XXXX that my card had been stolen. The bank initially issued provisional credit, then reversed it after denying the claim. I have now had my claim denied XXXX times. The only explanation provided via phone was that I had previously used vendors where fraudulent transactions have occurred. This is true I have shopped at the vendors previously but this does not establish that I authorized the disputed transactions. The transactions in question involved multiple charges at XXXX separate locations, which I did not authorize. I have repeatedly requested transaction-level evidence supporting their determination that these charges were authorized, but no such documentation has been provided. Below are the transactions XXXX the individual amounts. The documentation received only states that I or someone I know authorized the transactions, which I did not. XX/XX/year> XXXX XXXX Go {$270.00} XX/XX/year> XXXX XXXX Go {$140.00} XX/XX/year> XXXX XXXX # XXXX {$11.00} XX/XX/year> XXXX XXXX {$29.00}

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 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I called Comenity Bank who have reported both a delinquent account and unpaid balance on my credit report. I asked them to tell me what the charge was for and was told that it would be reported as fraud. Since that conv I received no explanation or any more information. Comenity continues to report erroneous information to my credit report.

Company response to consumer: Closed with non-monetary relief