vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was enrolled in a promotional offer for 0 % interest on my consumer credit card. The promo offer was set to end on XX/XX/year>, after which the regular interest rate would apply again ( statement with terms attached ). I understood this to mean that like in general with interest rates, I had until the end of the next billing cycle ending on XX/XX/year> to pay off the balance without being charged an interest fee. On XX/XX/year>, I was charged an interest fee on my credit card for {$33.00}, with it calling it " Interest charged on purchases. '' On XX/XX/year>, I chatted with a live agent through the mobile app to dispute this charge, and I was denied. I was told that what I was referring to was " interest policy on purchases under the standard rate, '' in which interest would be charged if the balance wasn't paid off by the end next billing cycle. This is opposed to the " promotional rate, '' in which interest would begin accruing right away from the end date of the promo offer. I asked for this to be reviewed, and the agent said his supervisor had denied my request also ( screenshots attached ). If true, this is misleading. There was no indication that there is a difference between these two different types of interest policy, and that I wouldn't have until the end of the next billing cycle to pay off my balance before being charged interest. On XX/XX/year>, I also called the customer service phone number and spoke with a live representative who also did not reverse the charge. She did submit it for extra review, and on XX/XX/year>, I received an email ( attached ) telling me that my request was denied and I have to pay the fee.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, XXXX sent me a promotional offer to open a Bank of America credit card. That card carried an annual fee of {$79.00}. I opened it specifically to receive the associated points and benefits. On XX/XX/year>, the {$79.00} annual fee was charged to my account. Given that XXXX XXXX has since ceased operations, I called Bank of America multiple times to request a refund of the annual fee ; however, on several occasions, they refused. No one seems able to provide me with a clear answer regarding the card ; they frequently hang up on me, forcing me to call backonly to be told once again that they can not issue a refund. I have held this card for less than a year, yet I can no longer use it because XXXX has shut down ; consequently, I paid an annual fee for a service I am not currently utilizing. I demand that my money be refunded ; several other customers have already received their refunds, yet for some reason, they refuse to issue one to me. No one is taking responsibility.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I purchased a used vehicle from a dealer in XXXX under the assumption that the total cost of the loan was XXXX and sum change the dealer signed all the paperwork for me spelled my name wrong I never was able to see what I actual was signed up for just was handed a receipt telling me the loan amount of XXXX and was told my remaining balance was XXXX something XXXX years down the line after paying on the vehicle and dealing with financial hardship and having the vehicle repoed twice and learning I apparently took out a XXXX loan for a used vehicle after getting it back i decided I couldn't afford the vehicle anymore I decided to voluntary surrender the vehicle they come pick up the car after 3 months of me telling them to come get it and now dealing with 3 months of them storing and still charging me monthly payments for vehicle I still dont have along with added new fees everyday. I still to this date XX/XX/XXXX am being charged for a vehicle that was picked up in beginning of XX/XX/XXXX the company told me over phone I paid XXXX so I should only owe them maybe XXXXXX/XX/XXXX considering the car was marked for XXXX at the dealership and I put a XXXX down payment so XXXX would've been my remaining balance owed this company adds fees after fees that they cant even explain to me where they come from

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I was using Affirm for smaller yet more expensive items, school computer, household items. I have never missed a payment, I pay each separate " loan '' on time or pay off early. In XXXX of 2025 I noticed a " purchase '' from a dental company, I immediately called Affirm since this loan in the amount of XXXX was now showing on my account. I informed them I was unaware of this or what it was. I called the number of the company and got no response. I filed a dispute on line with affirm, and continued to try to reach out to this company which I later found out made false teeth. I have my own teeth and cant imagine anyone ordering dentures on line!! I continue to pay ALL of the loans that I have purchased items with. I have also received ALL of the items I purchased. I did not purchase this item or anything like it, nor did I ever receive this item or anything like it. Affirm was made aware of this at least once or twice a week I was told this was getting looked into, someone would call me. I heard nothing. Affirm calls me, texts me and emails me XXXX XXXX times a day making threats to put this on may credit report, only to say they will be looking into when I call and demand to know who they spoke with at this company since I have not gotten one person to answer to call me back. I did reach a dentist who shares a name with this company, a dental lab that he stated has been known to commit fraud and he gave me his number and would be happy to help me in an y way. I have given this number to Affirm, sent in a declaration statement. Every time I call I get the same promise, the next day I get 4 messages stating they did " investigate '' and I am responsible for this debt, however when I call back asking fort he name of the person they spoke to and the tracking number for this " purchase " They refuse to tell me. I have paid off every loan and this is thee only balance, This company continues to threaten me and put false information on my credit report while charging me fees for a purchase I did not make, I have asked the many many times to provide me the vendor information and to STOIP contacting m via phone, text or email, yet they continue to to harass me on a daily basis for the last 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Lien Receivables LLC
State: CA

Complaint narrative:
There is a debt collector scammer harassing me and my family. We do not own this vehicle and they are constantly messaging family asking for money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information listed on my credit report is inaccurate. Certain details such as my name, address, or other identifying information do not belong to me and appear to be incorrect or outdated. Incorrect Address - XXXX XXXX, XXXX, FL, XXXX - PLEASE DELETE THIS ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Data and Contact Management Solutions, LLC
State: MD

Complaint narrative:
After my mother died in XX/XX/year> in Maryland this company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, Minnesota at XXXX phone number XXXX with the representative named XXXX XXXX sort to collect payment for my mothers death with medical bills even after I called the health organization they said they count with XXXX but this company was still trying to press me for payment so when I went to my state audit in Maryland to try to close out my mothers account I couldnt because they filed a claim against the state to collect money a month after my mother died

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I used XXXX 's App to purchase breakfast using my PayPal account. The employees on duty refused to fulfill my order and refused to finalize the order for a refund leaving an authorization on my account that would not fall off due to PayPal. I contacted them several times from that time until the XXXX when I was told the authorization would be removed and XXXX 's was not authorized to charge my account. That was not true. I was charged none the less. I can not get anyone from corporate or the owners of the franchise to refund nor will PayPal simply process my claim for the amount of {$18.00} that is again by all means fraudulent. I was told there would be no issue. Then was told 4 days. Then XX/XX/XXXX and now they are saying XXXX mos. I do not understand why PayPal is not protecting me as a consumer and is causing me more grief and loss of time simply trying to get my money back that was blatantly stollen from me by XXXX 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Called Portfolio Recovery XX/XX/year> about not able to pay due on social security not working and making a low monthly amount not even able to cover my living expenses. As of XX/XX/year> Attorney XXXX XXXX who is Portfolio Recover legal team filed a petition within same month to XXXX XXXX XXXX XXXX XXXX XXXX XXXX docket number XXXX. I have reached out to office several times by email and voice mail regarding the petition as of current have not returned my call, however I was able to speak to someone once so they are aware of my situation in XXXX and currently. Last voice message left today with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have no contract with XXXX XXXX XXXX, nor have they provided tangible proof of a legal obligation or a verified chain of title linking this alleged debt to an original creditor. Furthermore, the reporting contains inconsistencies regarding the date opened, status updates, and the verification of the exact balance.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I sent XXXX of many communications to XXXX Most recent was sent on XX/XX/year> via Certified Mail, Email, Fax with Subject Line : Formal Request for Written Identity Verification Account # XXXX My letter served as a formal reply to XXXX 's identity verification inquiry for my account because I had paid off the entire amount. Since XX/XX/year>, I previously specified that alXXXX XXXX matters be handled solely through physical or electronic mail, XXXX verification process via telephone. I cited the Michigan Identity Theft Protection Act ( MCL XXXX ), exercising my right to ensure that my personal identifying information is handled through secure channels. I formally requested XXXX use documentary verification procedures, as permitted under the XXXX XXXX XXXX XXXX ( CIP ) Rule ( XXXX XXXX XXXX ), by providing all necessary verification forms and request via hard copy to my address on file. XXXX is the XXXX email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I received a letter from the US Dept. of Ed on XXXX XXXX, XXXX from borrower defense case # XXXX letting me know that my loans would be discharged and there was nothing more I needed to do. I have waited and waited and after months had passed I started to call to inquire. I have called approximately XXXX times and have gotten XXXX answers to just wait to that case # is closed to file a complaint with the dept of education which I did, to anything to just get me off the phone I feel. All the while, the interest on this loan in just accumulating, driving up my debt to income ratio, and I cant even get an answer as to whats going on. The reason for the complaint is because even though I have updated my information on website etc. Something tells me to keep checking an OLD.... very OLD email that I have XXXX. I found TODAY that in XXXX it says that the SAVE plan I was on has ended and I need to call and set something up for repayment. Im suppose to have this discharged and I've been calling about this the last half XXXX and beginning of XXXX with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Netspend Corporation
State: MS

Complaint narrative:
This guy named XXXX XXXX stole my title my id my social and got a loan in my name I dont even know how I dont have a job or get a XXXX check. Than this guy proceeds to withdraw money from me and recently asked for an address change for a Netspend card I dont have.

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 2026-05-20 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had 4 fraudulent transactions on my Well Fargo account totally {$450.00}. They denied my claim because, as they said I didnt replace my debit card soon enough.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am submitting a complaint regarding the reporting of a late payment on my auto loan account. On or before the payment due date of XX/XX/XXXX, I attempted to make my scheduled payment. However, I was unable to access my online account due to login and password reset issues. I made multiple documented attempts to resolve this issue through the account access system. In addition, I contacted customer service on multiple occasions prior to the due date in an attempt to regain access and complete payment. These attempts were unsuccessful due to repeated call disconnections and inability to reach a representative capable of restoring account access. As a result of these combined system access and customer service failures, I was unable to complete payment prior to the due date despite good-faith attempts to do so. Once account access was restored, I immediately submitted the payment in full. The reported late payment does not accurately reflect my payment intent or actions prior to the due date. The reporting resulted from a documented inability to access payment systems and complete the transaction despite timely attempts.

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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage created an escrow account and charged me a {$17000.00} shortage after paying property taxes that were legally deferred under Texas Tax Code 33.06. Deferred taxes are not delinquent, yet Rocket treated them as a default and paid multiple years of taxes and penalties without authorization. Rocket did not provide the required Notice of Intent to Escrow under RESPA ( 12 CFR 1024.17 ( k ) ) before establishing the escrow account. Their XX/XX/year> letter does not meet federal notice requirements. Rocket also failed to reasonably investigate my prior Notice of Error. Their response did not address the RESPA violations or explain why they paid taxes that were not due. These actions increased my monthly payment by nearly {$3000.00} and created a shortage entirely caused by Rockets servicing errors. I am requesting that Rocket reverse the forced escrow, remove the shortage, correct my account, and provide a compliant RESPA response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems on my XXXX XXXX, and XXXX credit reports. The account is for an alleged T-Mobile debt of {$2700.00}. Jefferson Capital is coding this account as a " factoring company account '' ( XXXX XXXX code XXXX ). I am an individual consumer, not a business. Factoring company accounts are legally defined as the purchase of commercial receivables from ongoing business relationships they are not for consumer debt collection. This is a material misrepresentation under FCRA 15 U.S.C. 1681e ( b ) and is considered a deceptive practice by the FTC and CFPB. I have requested validation directly from Jefferson Capital, including a copy of any original contract bearing my signature. They have not provided any signed agreement. Without a signed consumer contract, they can not legally report this debt. Under FCRA Section 611 ( a ) ( 1 ) ( A ), unverifiable information must be deleted. I am asking the CFPB to require Jefferson Capital to either provide verifiable documentation ( original contract with my signature ) or immediately delete this account from all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to report identity theft and formally dispute inaccurate information appearing on my credit file and/or account. I did not authorize the bankruptcy filings,, These items are the direct result of identity theft. Please remove any inquires there should be no inquires The details are as follows : I request that you promptly investigate these matters and remove or correct all inaccurate public records, credit entries, and account information resulting from this identity theft. Please suspend collection activity or any adverse actions related to these fraudulent items while the investigation is conducted. If you verify any items as legitimate, provide a complete explanation and copies of documentation used to verify them. Enclosed are copies of my government-issued ID, proof of address, the police report, and copies of the disputed credit report entries. I am sending copies only ; do not return originals.

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