vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I called PNC Bank in late XXXX letting them know I was experiencing financial hardship and could not make a payment. They claimed they would consider some sort of assistance but never got back to me and never formally responded. On XX/XX/XXXX they debited XXXX from my checking account and applied it to my business credit card without my consent. I submitted a complaint about this thru the CFPB and they are still reviewing my complaint. In the meantime, less than 2 weeks after debiting {$510.00} an applying it to the credit card payment they then applied a late fee of {$39.00} despite the fact they had clearly received the payment. Today, XX/XX/XXXX they sent a threatening email to me stating " Your payments are your responsibility '' saying I owe {$200.00} to bring my account up to date. This is being sent 3 weeks after they received a {$510.00} payment from my business checking without my prior approval, then applying a {$39.00} late payment fee and an XXXX finance charge. They know I do not have the money but they refuse to help and instead send threats and additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX CFPB, my name is XXXX XXXX, I'm clicent of bank of america I am submitting this complaint regarding unauthorized transactions on my Bank of America debit account and the banks improper denial of my fraud claim. On XX/XX/year>, while I was at work, I checked my bank account before going to lunch and discovered XXXX unauthorized transactions in the amount of {$2700.00} each. The transactions were posted on XX/XX/year> ( Saturday ) without my knowledge, permission, or authorization. Immediately after discovering the transactions, I contacted the Bank of America XXXX Department to report the transactions as unauthorized and to report my account/card as compromised. I fully cooperated with the fraud investigation process. However, Bank of America later denied my claim, stating that the transactions were authorized. I strongly dispute this conclusion. I never authorized these transactions in any form and did not provide my debit card, PIN, online banking credentials, verification code, or permission to any person or third party. The bank has not provided sufficient evidence showing how these transactions were determined to be authorized. I am requesting : XXXX. Documentation and evidence supporting the banks determination that the transactions were authorized. XXXX. XXXX under XXXX XXXX for unauthorized electronic fund transfers. XXXX. Reimbursement for the unauthorized transactions if the investigation confirms fraud. These transactions caused significant financial hardship and concern. I acted promptly upon discovering the fraud and reported it immediately. I respectfully request assistance in ensuring that Bank of America complies with its obligations under Regulation XXXX and conducts a reasonable investigation into these unauthorized transactions.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FLAGSHIP FINANCIAL GROUP LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
Under FCRA 611 ( 15 USC 1681i ), I dispute this collection as inaccurate. I paid {$5500.00} upfront per lease agreement ( attached ). No balance is owed. Request reinvestigation and deletion as inaccurate. Duplicate reporting exists. This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to your credit report. OR This agency is infringing on your consumer rights by using misleading, false, and deceptive tactics. l 've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensat me or remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
While reviewing my credit reports from XXXX XXXX, FL, I found accounts and inquiries I never authorized. The accounts are : XXXX XXXX revolving account ending XXXX, opened XX/XX/XXXXXXXX and reported as paid ; XXXX collection ending XXXX for {$6600.00}, opened XX/XX/XXXXXXXX ; and XXXX installment ending XXXX with a {$1000.00} balance, opened XX/XX/XXXX. Unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not apply for, authorize, use, or benefit from any of these accounts or inquiries, and I have no business relationship with these creditors. My identifying information was used without consent. Please block this information under FCRA 605B and require furnishers to cease reporting under 623 ( a ) ( 6 ). XXXX XXXXXXXX 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 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
While reviewing my credit reports from XXXX XXXX, FL, I found accounts and inquiries I never authorized. The accounts are : XXXX XXXX revolving account ending XXXX, opened XX/XX/XXXXXXXX and reported as paid ; XXXX collection ending XXXX for {$6600.00}, opened XX/XX/XXXXXXXX ; and XXXX installment ending XXXX with a {$1000.00} balance, opened XX/XX/XXXX. Unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not apply for, authorize, use, or benefit from any of these accounts or inquiries, and I have no business relationship with these creditors. My identifying information was used without consent. Please block this information under FCRA 605B and require furnishers to cease reporting under 623 ( a ) ( 6 ). XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
A Check was deposited into my account, later in the day my digital banking was blocked, so the next day M & T bank employe called and said my account was restricted.. I asked was there anything wrong with the check and was told they only restricted my account until they can verify the check, again I asked is there something wrong with the check and the bank employee hung up on me so I called back and tried to record our conversation and she hung up again

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 2026-05-07 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: CO

Complaint narrative:
On XX/XX/XXXX, I was charged {$900.00} by XXXX XXXX XXXX, a NY-based driving school, for a driving lesson package. I am disputing this charge because the service was materially not as described. Key facts : ( 1 ) XXXX XXXX assigned me a different instructor on the day of my road test without my consent, despite my prior objection to that instructor. ( 2 ) XXXX XXXXXXXX XXXX own internal notes show my primary instructor privately assessed my chances of passing as " 50/50 '' one week before my test information that was never communicated to me. ( 3 ) XXXX XXXX was aware of my diagnosed XXXX disorder yet made no accommodation, instead flagging my condition as a behavioral concern. ( 4 ) I only discovered these internal notes when XXXX XXXX submitted them as chargeback evidence against me they were withheld from me throughout my program. I submitted a detailed dispute letter to Capital One on XX/XX/XXXX, including XXXX XXXX XXXX own chargeback evidence packet. Capital One closed my case the following morning less than 24 hours later citing " missing information '' without specifying what was missing. I called to clarify and was unable to get a clear answer. My case was closed a second time without adequate review of my submitted documentation. Capital One failed to conduct a proper investigation despite substantial evidence that the service was materially not as described. Desired resolution : Full credit of {$900.00} and a proper review of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Paramount Capital Group, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I entered a recorded Hardship Agreement with Paramount Capital Group. The agreement was to pay {$250.00} immediately to bring my account current and return to " Normal Consumer '' status with $ 50 monthly payments. I paid the {$250.00} over the phone on XX/XX/XXXX and received a confirmation receipt. Despite this binding agreement and my immediate payment, Paramount sent my account to a third-party collection agency on XX/XX/XXXX. I contacted Paramount via the company portal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and was told my account was getting escalated. I also contact via phone XX/XX/XXXX and XX/XX/XXXX and was told everything would be fine don't worry about the collection it would be fixed. During each call, representatives acknowledged the Hardship Agreement and confirmed they saw my {$250.00} payment in their portal. On XX/XX/XXXX, Paramount sent me a message in the portal admitting the payment was received but stated they " could not recover '' the account from collections and offered a refund. A refund is an unacceptable resolution for a breach of contract that has resulted in wrongful negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I attempted to send my new landlord a deposit and first month 's rent in the form of a cashier 's check for {$13000.00} on XX/XX/2026. The bank, Capital One, declared that cashier 's check fraudulent and canceled the check without consulting me, but did not return the {$13000.00} to my account. I called the next day to validate what had happened. They refunded me the {$20.00} charge for sending the cashier 's check, but the money ( {$13000.00} ) is still not back in my account as of today, XX/XX/2026. Due to the lack of available funds in checking, I paid {$110.00} in credit card processing fees to another company ( XXXX XXXX ). If I had paid via debit, which should've been possible, there would have been no extra {$110.00} ( 2.99 % ) charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am formally disputing the rental collection account referenced. I never received proper validation or documentation regarding this alleged debt originally. In XX/XX/year>, I contacted collection company office to request verification of the collection, as I was unsure about the basis of the account. During that communication, I provided my current mailing address and requested that all supporting documentation be sent to me ; however, I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the XXXX of XX/XX/year>, I sent my landlord the check for the rent of my commercial space, this check is always sent on a monthly basis at the same time for the same amount for a year until he raises the 3 % agreed on the signed lease. On XX/XX/XXXX I saw the check was deposited, but on XX/XX/XXXX or XXXX my XXXX called me to let me know he hasn't received the check. I proceeded to go online to see the picture of the check altered, wiped out the name of my Landlord and added on top of the Wipe out a different name with a different hand writting. I asked the bank for an appointment for XX/XX/XXXX to stop by and fill out a check fraud form for the check. About a month later I was asked for more proof of the check being altered etc. I came with copies of the monthly check that I sent to my Landlord every month for the past XXXX years, I provided a picture of the check altered that I retrieved from my bank 's online platform. I made a copy of my check booklet in which I handwrite the numer of the check, amount and who is directed to. Most of my checks are directed to my Landlord. It's been almost XXXX months and the bank hasn't refunded me the money, they say they are waiting for the bank where the check was cashed to recognize the fraud. They also say they have up to XXXX days to solve the problem, but this is not specified anywhare on my bank 's website in the case of a check fraud. For me this is a lot of money and it is not my fault that the second bank accepted a wiped out altered check. I should have the funds back instead of havind to pay rent XXXX times and put the money out of my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FCC Finance, LLC
State: OH

Complaint narrative:
My loan was transferred from XXXX XXXX to FCC Finance around XX/XX/year>. I received a letter from FCC Finance explaining the transfer and stating that there was nothing I needed to do on my end, and that if my account was set up for automatic payments ( direct debit ), everything would roll over automatically. However, this did not occur. After the transfer, my account information became unclear and inconsistent between mailed statements, the new online portal, and communications from the company. I later reviewed my bank statements and discovered that payments were not being processed as expected, despite the information provided in the transfer notice. At that point, I began researching the issue to understand what had happened. As a result of the transfer, my account now shows approximately {$690.00} in past due payments. However, I was not clearly informed that I would need to take additional action or that payments would not successfully transfer as indicated. I contacted the company to resolve the issue and requested a repayment arrangement that would allow me to continue making my standard monthly payment of {$230.00}. I also requested review and waiver of late fees and additional interest that may have resulted from the servicing transfer period. The company responded by acknowledging the issue and offering to accept some payments and waive certain fees, but did not provide a clear resolution that allows me to remain current while continuing my regular monthly payment only. No final structured repayment plan or corrected account status was provided. I am on a fixed income ( XXXX ) and can only afford my regular monthly payment. I am requesting that my account be corrected and managed in a way that reflects a sustainable and accurate payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
This is a case of identity theft involving fraudulent accounts. The auto loan accounts reported by Credit Acceptance Corp and XXXX XXXX XXXX XXXX are fraudulent and were not opened, authorized, or benefited from by me. These accounts were created using my personal information without my knowledge or consent. I am requesting these fraudulent accounts be immediately blocked and removed under the Fair Credit Reporting Act ( FCRA ) Section 605B and not processed as a standard dispute or verification. These accounts are the result of identity theft and do not belong to me. I also request removal of all associated inquiries and any negative or derogatory reporting tied to these fraudulent accounts, along with written confirmation once all credit reporting agencies have blocked and deleted them.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing this complaint because Capital One denied my claim regarding a missing ACH transfer for {$1400.00} that was sent from XXXX to my Capital One account. XXXX confirmed in writing that the transfer was initiated on XX/XX/year> and provided XXXX trace number XXXX as proof that the XXXX transfer was processed. The funds were removed from my XXXX account but never appeared in my Capital One account. Capital One denied my claim stating they do not see the incoming deposit, but the funds are still missing and have not been returned to me. I am requesting that Capital One conduct a full ACH trace investigation using trace number XXXX and locate or return the missing {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank has called me : XX/XX/year> : 3 times XX/XX/year> : 2 times XX/XX/year> : 3 times XX/XX/year> : 3 times XX/XX/year> : 1 time XX/XX/year> : 5 times I sent an email through their secure messaging system asking them to communicate in writing as this is both my personal number and my business phone number, and instead they doubled their efforts to contact me by phone. They use different numbers, leave messages that insinuate that I need an attorney, and even though I am paying on this debt, they call me multiple times daily. I believe this is a violation of my rights and that this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called in and verified I needed to follow the link to open the account. The promotion code is in the header of the page you click on : XXXX XXXX XXXX XXXX I was told it isn't necessary to enter the code anywhere else. As you can see from Screenshot 141 it shows the bonus offer was applied. I completed all required items necessary for the bonus. I included additional screenshots as proof of following as directed.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief