vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I am filing a complaint regarding my banks ( USAA ) handling of a fraud dispute involving unauthorized transactions resulting from a scam. The two transaction was induced under false pretenses and authorized under duress/manipulation. On XX/XX/year>, I was a victim of a sophisticated impersonation scam in which the caller posed as my bank and instructed me to take steps to " secure '' my account. As a result, funds totaling {$5000.00} were transferred out of my account through apple pay that I was directed to open under false pretenses. I reported the fraud to my bank, USAA, the same day of the incident. Despite explaining that I was deceived into making these transactions under fraudulent circumstances, the bank initially classified the transactions as authorized and has indicated that reimbursement was denied. These transactions were not truly authorized in any meaningful sense, as they were conducted under manipulation and false representation by a scammer impersonating the bank. I acted in good faith and took immediate steps to report the fraud once I became aware of what had occurred. I am requesting that USAA : 1. Reconsider and approve my fraud claim 2. Provide a full reimbursement of the stolen funds 3. provide a detailed explanation of their determination and the evidence used to classify these transactions as authorized I have been a customer for XXXX years and am extremely concerned about the handling of this matter. I respectfully request that this complaint be reviewed and that appropriate action be taken.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
To Whom It May Concern in the Relations Department, This is regarding an account placed on my credit report by EASTERN ACCOUNT SYSTEM , INC {$360.00} I dispute this debt in its entirety and assert that I do not owe this amount and this account does not belong to me. Furthermore is in possession of my personal information without my consent, which may constitute a violation of federal privacy and consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to send a written notice of the debt, including the name of the creditor, the amount owed, and a clear statement of my right to dispute the debt within 30 days. I did not receive such notice. This failure constitutes a direct violation of federal law. I request that EASTERN ACCOUNT SYSTEM, INC immediately DELETE this account from all consumer credit reports to which it has been furnished, including XXXX XXXX XXXX XXXX I have no contractual agreement with your company, and no obligation to pay any amount has been established. If this debt originated with another creditor, I demand that the account be returned to the original creditor and that you provide legally sufficient verification of the debt. As outlined by the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), I am requesting the following : 1. A complete itemized payment history, including the date and nature of all charges and payments. 2. A copy of a signed contract bearing my wet signature as evidence of a binding agreement. 3. A copy of government-issued photo identification allegedly used to open the account. 4. The full Social Security Number associated with the account to verify the identity of the person you claim owes this debt. Statements or billing summaries do not meet the legal standard of verification. I require an affidavit or sworn statement attesting to the authenticity and accuracy of the debt. This letter also serves as a formal cease and desist demand under 15 U.S. Code 1692c ( c ). You must immediately terminate all collection activities related to this matter. If you can not provide the requested documents within 30 days, you are required to : - Cease all collection activity on this account, - Delete the account from all credit reporting agencies, and - Return all personal information youve obtained to the original creditor or destroy it in accordance with applicable privacy laws. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and my State Attorney Generals office. I demand written confirmation that this account has been deleted from my credit report and that no further collection activity will occur.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The Bank of America opened a business account without my authorization under my online business account XXXX XXXX. I do not wish to do business with the Bank of America at all. I withdrew all my money from that bank, both checking and savings. I fired a XXXX. This bank lies to you open accounts without your permission or the authorization. I have called and disputed this sent emails to not proceed with this business account yet they mailed out a debit card to XXXX. I live in XXXX. I have sent numerous emails to the Bank of America telling them I do not wish to proceed in any business relationship with this bank at all and they ignore me. Can you imagine?

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 2026-04-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX, XXXX amount {$480.00}, XXXX- acct XXXX {$1300.00} Open XX/XX/XXXX, XXXX XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Acct XXXX XXXX Open XX/XX/XXXX {$200.00}, XXXX XXXX. Acct # XXXX XXXX {$310.00} XXXX XX/XX/XXXX. XXXX XXXX. XXXX # XXXX {$17000.00} XXXX XXXX. XXXX I was not aware of these accounts at all I contact and try to explain they keep giving me the run around I have a police report to show these accounts am not liable for thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> XXXX $ sent to XXXX XXXX, thru Cash App, I sent in Note a Cuban flag, and a butterfly, And they Flagged my paymnt over an emoji in the note. Said it would be released and reviewed and returned in XXXX days it's now XX/XX/XXXX Ask customer service Still No answers .. been to customer service at least XXXX x already .. And today just got off still No Payment Returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: TN

Complaint narrative:
To Whom It May Concern in the Relations Department, This is regarding an account placed on my credit report by TRUEACCORD CORPORATION {$540.00} I dispute this debt in its entirety and assert that I do not owe this amount and this account does not belong to me. Furthermore is in possession of my personal information without my consent, which may constitute a violation of federal privacy and consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to send a written notice of the debt, including the name of the creditor, the amount owed, and a clear statement of my right to dispute the debt within 30 days. I did not receive such notice. This failure constitutes a direct violation of federal law. I request that TRUEACCORD CORPORATION immediately DELETE this account from all consumer credit reports to which it has been furnished, including XXXX XXXX XXXX XXXX. I have no contractual agreement with your company, and no obligation to pay any amount has been established. If this debt originated with another creditor, I demand that the account be returned to the original creditor and that you provide legally sufficient verification of the debt. As outlined by the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), I am requesting the following : 1. A complete itemized payment history, including the date and nature of all charges and payments. 2. A copy of a signed contract bearing my wet signature as evidence of a binding agreement. 3. A copy of government-issued photo identification allegedly used to open the account. 4. The full Social Security Number associated with the account to verify the identity of the person you claim owes this debt. Statements or billing summaries do not meet the legal standard of verification. I require an affidavit or sworn statement attesting to the authenticity and accuracy of the debt. This letter also serves as a formal cease and desist demand under 15 U.S. Code 1692c ( c ). You must immediately terminate all collection activities related to this matter. If you can not provide the requested documents within 30 days, you are required to : - Cease all collection activity on this account, - Delete the account from all credit reporting agencies, and - Return all personal information youve obtained to the original creditor or destroy it in accordance with applicable privacy laws. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and my State Attorney Generals office. I demand written confirmation that this account has been deleted from my credit report and that no further collection activity will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I signed up for a gym membership with XXXX XXXX XXXX. The membership was later canceled in person. On a later phone call, a representative acknowledged that a cancellation was entered on XX/XX/XXXX, but stated that it was not properly processed. Despite the in-person cancellation and the cancellation entry, the company continued to charge the account and later attempted to collect a balance. I repeatedly asked for the exact amount owed, an explanation of the charges, and the reason billing continued after the cancellation, but I was not provided clear or consistent information. Both the gym and the company handling billing or collection have refused to provide a clear written balance or itemized breakdown of the charges. I have received repeated calls regarding this balance, but they will not provide the exact amount or documentation when asked. I dispute this debt because it appears to be based on charges that continued after the cancellation attempt and cancellation entry. I am requesting documentation showing the contract terms, cancellation policy, account notes, and full itemized ledger supporting this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I have been making consistent payments on this debt since XX/XX/XXXX. I am currently on a leave of absence, so I can only pay on my payday schedule. Despite my good-faith payments, the collector repeatedly calls and threatens to sue me if I dont follow their strict schedule. They only communicate by phone and refuse to acknowledge my payment plan. These threats are causing significant anxiety. I request that the agency review this matter for harassment and ensure the collector follows the Fair Debt Collection Practices Act. In NC the law states written and verbal agreements have XXXX years of statute of limitations. I was advised this was from XXXX. No outreach has been made by mail, email or by phone from the original account holder Acima. This law firm has not reached out with any form of written communications regarding this debt. The number and name of the company per the voicemails are XXXX and number is XXXX. I have threatening voicemails from the company and their skip tracers. They have exposed my debt to family members which is a violation of privacy. No collections has been listed on credit from Acima regarding this. This is a violation of my rights. Acima is also currently dealing with lawsuits regarding these concerns and harassment from these third party collection companies that state theyre a law firm. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went to use my debit card to buy a drink at the gas station, not only did it decline, but it also said " account invalid '' ; confused, I tried to log into my banking app, only to find my login credentials were no good, and when I tried to get new ones, it said, " account does not exist ''. I have been banking with Discover for 6 years now and have never bounced a check, gone into the negative, or disputed invalid charges. When I called Discover, the women I spoke to said " we closed your account today because of a business reason ; you'll be receiving a letter in the mail. '' I said " Ok, well since the account was closed today then the letter must be sitting at home, '' and she replied, " no the letter was sent out today ''. So the bank closed my account before sending me the letter, leaving my family and me with ZERO dollars in our pockets, and I have two daughters. I haven't been able to buy groceries, fill the vehicle with gas, or buy paper goods. The financial hardship Discover has imposed on us for no reason is completely unfair. Then I find out today that Capital One closed both my credit cards, which I have never missed a payment on ( they are on autopay ), and they are owned by Discover. However, my car payment, which is also with Capital One, was left untouched, and that account has always been up to date and paid on time. So I feel like they are being very biased here, because if they are going to close two credit cards, my checking and savings account, why not close my auto loan, and since they did not, it begs the question, did I REALLY do anything wrong? The answer is no, and the hit my credit score will take is irreparable. The financial hardship that my children and I are in is beyond comprehension. Their XXXX was ruined because I could not buy them an XXXX basket or drive them to church, because I was given no notice and no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year> | reported to Sofi bank that my debit card was stolen and someone made fraudulent transactions on my debit card. I disputed those transactions of the amount of XXXXThis is very sad and disappointing. XXXX month later Sofi bank said they won't resolve this issue and they denied my dispute.Sofi bank has history stealing huge amounts of money to their customers! And im XXXX of their victims! Sofi bank won't give me my money back!. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am filing this complaint against XXXX XXXX and Jefferson Capital Systems LLC for the illegal reinsertion and reporting of an invalid debt. I refuse to be harassed or coerced into paying a debt I do not owe. In late XXXX, I ordered and received a XXXX XXXX box that I never opened, never installed, and never used. I returned the equipment in its original packaging using the provided XXXX shipping label. History of Disputes : This item has appeared on my credit report multiple times under different collection agencies. Each time, I have successfully disputed it, and it was deleted because it is invalid. Violation : Jefferson Capital LLC is now " debt parking '' this same invalid claim, reporting it as a brand-new collection as of XX/XX/XXXX. This is a willful attempt to re-age an old, invalid item. Furthermore, XXXX has reinserted this previously deleted information without providing me the mandatory XXXX written notice required under FCRA 1681i ( a ) ( 5 ) ( B ). Current Violation : The debt has now been " re-parked '' with a new agency and reinserted onto both my XXXX report ( dropping my score by XXXX points ) and my XXXX report ( dropping my score by XXXX points ) without the legally required 5-day notice of reinsertion. Deceptive Practices : This appears to be a " debt laundering '' tactic where the debt is sold to a new collector every time it is deleted to bypass previous consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have tried to reach customer service in terms of why each month my loans show that I owe a different amount every month. I have never been late to pay them, but this is not okay. They do not answer any emails, calls, and its absolutely preposterous. I tried to file a claim for the loan defense program due to this whole scenario, and also see that theyre in a huge lawsuit of millions of dollars. I have not been contacted that they changed the price, or contacted at all which is illegal. Im going back to school, and I feel as if my money is not going towards anything. I do not want to pay for something Im being lied to about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capitol One Goodwill Adjustment Request Account # [ XXXX ] Dear Sir or Madam, I am writing to respectfully request a goodwill adjustment regarding the negative reporting on my account. During the time the late payments occurred, I experienced a significant hardship due to incarceration beginning in XX/XX/XXXX. This situation temporarily prevented me from managing my financial responsibilities, despite having maintained a positive payment history prior to that time. Since my release on XX/XX/XXXX, I have taken full responsibility for my financial obligations and have worked diligently to rebuild my credit profile. I have paid off outstanding collections and am committed to maintaining a strong and consistent payment history moving forward. I respectfully ask that you consider removing the late payments and any negative reporting associated with this account as a gesture of goodwill. These marks do not reflect my true financial behavior, but rather a temporary hardship during a difficult period. Your consideration would have a meaningful impact on my continued efforts to rebuild my financial stability. Thank you for your time and understanding. As you continue to assist me as I get through this situation. Documentation supporting my period of hardship is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX up in my name and used an old address XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX reported XX/XX/XXXX was not opened by me. XXXX is {$1400.00}. Police report was filed by me with XXXX Police department ref. number XXXX by XXXX. XXXXXXXX XXXX XXXX XXXXXXXX. Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to which I have lived as of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have previously complained about discover bank that they did nothing to prevent the scam. And then they refused to dispute transaction. After my complaint XXXX they opened a dispute, but it was resolved in favor of XXXX company. It was suspicious, because I provided all the necessary documetation of the scam. I called them XXXX to get an explanation. I was told that the decision was made only on the basis of documentation : I am responsible for all damages during the rental process. I explained that I had been misled and when I signed the contract they said that I am not responsible for the damage caused by amortization. Discover assistant told, that it is my problem, that I had not read the contract carefully. Moreiver, the discovery call assistant said that the XXXX company had not provided evidence that the bike really needed repair and they did not think, it is nessesary to ask the proofs. The bike was broken before me, or it wasn't broken at all, and the company makes an additional profit through the scam. However, the discovery staff did not consider it necessary to investigate properly. Moreover, they refuse to discuss the details of the dispute in chat and insisted on calling, and this is suspicious. I insist on open re-dispute, so that the discovery staff will require all the necessary evidence that would clearly confirm that 1 ) the bike really needs to be repaired, 2 ) it was me who made the damage. Otherwise, they have no reason to charge more, than mothly rent

Company response to consumer: Closed with explanation