vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation
State: TX

Complaint narrative:
I am filing an urgent complaint regarding severe, relentless, and willful harassment by the debt collection agency InDebted, which is attempting to collect a {$3200.00} debt originally from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Despite my explicit, repeated demands for them to cease communication, InDebted has engaged in a predatory campaign of automated text messaging that egregiously violates the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). Starting on XX/XX/year>, I explicitly revoked my consent to be contacted via SMS by replying with the word " STOP. '' InDebted XXXX automated system confirmed my unsubscription on XXXX separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, in direct and willful defiance of their own system confirmations and my clear, repeated revocations of consent, they continued to bombard me with automated debt collection texts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In total, I have received XXXX automated messages after my initial opt-out, and I have had to text " STOP '' XXXX separate times. ( Note : The official carrier text logs attached may reflect the carrier 's Eastern server time, which perfectly correlates to the Central Time timestamps in the attached screenshots of the actual texts ). This constant barrage of messages goes far beyond a " technical glitch '' it is calculated harassment. It has caused me significant distress, anxiety, and public humiliation. The incessant buzzing of debt collection texts has created a shameful and embarrassing environment when I am around my family and friends. I now actively dread checking my own mobile device. InDebted XXXX actions demonstrate a blatant, systemic disregard for federal consumer protection laws. By generating unsubscription confirmations and then repeatedly overriding them to continue messaging me, their actions clearly meet the legal threshold for " willful '' violations under the XXXX. This oppressive, illegal conduct must be addressed immediately. And it is still continuing...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2026 I made a deposit of {$4800.00} at Bank of America ATM machine. The machine broke down and did not credit my account. I opened up a claim with Bank of America claim # XXXX the same day. The funds have still not been credited to my account l. I came to the XXXX XXXX office on XX/XX/2026 and the bank tells me they can not assist me. They contacted the toll-free number for the claims department and they told me that they can not credit me that the claim is still under investigation. I escalated to a manager by the name of XXXX. She refused to give me the last name. She said I have to wait. They can not credit me the money irrespective that I told her that this money is for my mortgage payment. She said I have to wait for the third-party that services the ATM and the bank to resolve the claim.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On or about XX/XX/2026, I sent a written debt validation and dispute letter to Kimball , Tirey & St. John LLP via certified mail. Delivery was confirmed. As of the date of this complaint, I have received no response whatsoever. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector who receives a written dispute must cease all collection activity including credit reporting until it provides adequate validation of the debt. Kimball , Tirey & St. John LLP has failed to do so. Despite this failure, the firm continues to report a collection account on my XXXX and XXXX consumer credit reports with an inflated balance of {$27000.00}. The original alleged balance is {$19000.00} a difference of {$7700.00}, which represents alleged attorney fees and court costs that have never been itemized, explained, or validated. Reporting an inflated and unvalidated amount constitutes a false representation of the character and amount of a debt under 1692e ( 2 ) and 1692e ( 8 ), and the collection of unauthorized fees violates 1692f ( 1 ). I dispute the accuracy, completeness, and legal basis of this collection account in its entirety. The alleged debt arises from an unpaid rent claim. No documentation, judgment, or itemized accounting has ever been provided to me. Requested resolution : I request that the CFPB investigate this matter and that Kimball , Tirey & St. John LLP immediately remove this collection account from all consumer credit reports, including XXXX and XXXX, and cease all collection activity until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX additional hold XX/XX/XXXX XXXX additional holds XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold XX/XX/XXXX additional hold Nothing ever comes of these security holds they just release my funds but every time I make a deposit Navy Federal for no reason at all other than I can think XXXX profiling is holding my checks in additional time unjustly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am a XXXX XXXX veteran filing this complaint against Wells Fargo regarding a disputed charge with XXXX XXXX. Despite providing evidence of service inconsistency and deceptive business practices, Wells Fargo has failed to resolve the dispute or issue a provisional credit in a timely manner. Furthermore, today the merchant ( XXXX XXXX ) engaged in aggressive and predatory upselling tactics toward my mother, who does not speak English fluently with the same tactic while refusing to honor previous service agreements patch the tire only if you buy XXXX XXXX XXXX. I have tried to resolve this with Wells Fargo multiple times via phone, but they have provided no meaningful updates or information. I request an immediate reversal of the charge and a formal investigation into the bank XXXX handling of this case.

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 2026-05-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a charge where I followed the merchant 's return policy and have proof of delivery/compliance. Citibank denied the dispute stating I didn't follow policy, but they have failed to cite the specific policy or provide the evidence the merchant used to rebut my claim. I am requesting a manual review of my proof and a copy of the merchant 's rebuttal documentation as required by the Fair Credit Billing Act. Transaction Amount : {$350.00}. Merchant : XXXX XXXX Leadership Retreat / XXXX XXXX XXXX ( via the XXXX XXXX XXXX ). Initial Action : I formally requested a cancellation and refund on XX/XX/year>, citing unresolved safety and privacy concerns related to a XXXX. Merchant Confirmation : On XX/XX/year>, the merchants representative ( XXXX XXXX ) explicitly confirmed via email that the refund would be processed through their " churchwide office ''. The Issue : Despite this written confirmation from the merchant, the refund has not been received as of XX/XX/year> ( XXXX month later ).

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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is related to previous complaint- XXXX. Big problem is that bank is totally not supporting but playing dumb game when trying to make confusion and basically denying every support. I have provided all the support documentation and ready for cooperation. Bank asking for example loan info where loan information as a lender bank should have but no problem I can provide and my personal information, such a ssn, id etc. Also bank simply should have that as well. I have leased XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX years. After lease period end successfully returned to dealership named XXXX XXXX. I found auto loan related issues when Bank of America collection department started calling me to collect a loan which is reached the charge off state from amount {$24000.00} to {$26000.00} when I contacted the loan issuer bank XXXX Bank of America ) I was informed that loan signed by me and under my responsibility but I have never signed any paperwork. Car is no longer under my possession and returned to dealership which I found is out of business and closed, no longer exists. I have supporting paperwork from DMV which shows car transfer and etc. I have worked with DMV as well, where I was informed that car is not under my name and registered under different ownership and located other state. Police refused to open investigation as well loan issuer bank doesnt supporting me. Please help me to resolve this issue. Also signature on contract is different from original. I am suspecting fraudulent activity by dealership representatives who faked the contract and received the money from bank under my name. Thank you in advance. I can provide the supporting documents upon request!

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 2026-05-06 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: Chime Financial Inc
State: NC

Complaint narrative:
I filed a dispute with my bank on XX/XX/year> for {$6000.00} related to a vehicle transaction. The dealership is still in possession of the vehicle, and I do not have the car. It has now been over 45 days, and I have not received a resolution, clear status update, or provisional credit. I have attempted to follow up with the bank but have not been given sufficient information. I am requesting an explanation for the delay, immediate escalation of my case, and issuance of a provisional credit while the investigation continues. The merchant should not be allowed to retain both the vehicle and my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Possible names on Account : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I am an XXXX XXXX United States XXXX XXXX servicemember, continuously on XXXX XXXX since XX/XX/XXXX. American Express has violated my rights under the Servicemembers Civil Relief Act ( SCRA ), XXXX U.S.C. XXXX, by charging interest rates far exceeding the statutory 6 % cap on XXXX credit card accounts, all of which were opened before my XXXX XXXX service began. Accounts affected ( all opened pre-service, all SCRA-eligible ) : Gold Card - XXXX ( member since XXXX ) Specific violations documented from statements in my possession : XXXX XXXX statement : Account # XXXX charged 7.99 % XXXX ( 1.99 % above XXXX XXXX XXXX XXXX XXXX statement : Account # XXXX charged 7.99 % XXXX ( 1.99 % above SCRA cap XXXX. Year-to-date interest through XX/XX/XXXX : {$110.00} XXXX XXXX statement : Account # XXXX charged 24.49 % APR ( 18.49 % above SCRA cap ). Year-to-date interest XXXX : {$290.00} XXXX XXXX statement : Account # XXXX charged 23.49 % APR ( 17.49 % above SCRA cap ). Year-to-date interest XXXX : {$75.00} XXXX XXXX statement : Platinum account charged 21.74 % XXXX on Pay Over Time and 28.74 % XXXX on Cash Advances ( 15.74 % and 22.74 % above SCRA cap respectively ) XXXX Year-to-date interest XXXX : {$89.00} XXXX account has been charged a {$550.00} annual fee repeatedly since XXXX, which under XXXX U.S.C. XXXX ( d ) ( XXXX ) is also subject to the 6 % cap because the statute defines " interest '' to include " service charges, renewal charges, fees, or any other charges. '' Actions taken by me : I have reviewed my available statements and identified the violations. I am preparing to formally request XXXX benefits from Amex and have sought legal assistance from the XXXX XXXX Assistance XXXX. Actions taken by American Express : To my knowledge, Amex has never applied the XXXX 6 % interest rate cap to any of these XXXX accounts at any point during my XXXX XXXX service, despite my military status being verifiable through the Department XXXX XXXX 's XXXX database ( XXXX ) at any time since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The records connected to my financial profile contain reporting gaps and documentation deficiencies that weaken their credibility, and I kindly request correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/year> an unauthorized charge of {$36.00} was made on my credit card. I reached out to Self Inc. and disputed the charge. My card was deactivated and I was issued a new card. On XX/XX/XXXX XXXX sent a letter to my mailing address stating that no error had occured per their investigation. I then called their customer service line on XXXX separate occasions requesting the case be re-opened and that I receive proof of the documents that were used in their decision making. I never received any evidence. Self has refused to reimburse me for this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

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 2026-05-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: NE

Complaint narrative:
I tried to get ahold of XXXX XXXX about my card. When I talked with a representative on XX/XX/XXXX he informed me that he needed to send a verification code to my email and I gave it to the representative and then my call was dropped. I called XXXX XXXX again and the representative informed me that the representative that I spoke to before shouldnt have sent me a verification code to my email. I was informed that I needed to send a copy of my social security card and birth certificate to XXXX On XX/XX/XXXX at XXXX I sent the information asked of me. I dont know how many times I tried reaching out the XXXX XXXX and each call had a two hour wait time and then Im disconnected. On XX/XX/XXXX I received a text message from XXXX XXXX informing me that Ill be getting my benefits on XX/XX/XXXX. My card is no good and I can not get ahold of XXXX XXXX regarding a new card. Im supposed to be signing a rental lease for my new apartment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I applied for loan to get funds XX/XX/XXXX. Funds never arrived. I then went through all their hoops proving I did not recieve money providing bank statements etc. They said they would escalate to figure it out and I would get money. We are now roughly 3 months from time I requested the loan. XXXX weeks ago they ruled it a final fail, that I would not be receiving the loan. Its been on my credit report now for XXXX months, and interest is building while they investigate. They have not removed it off my report and its doing real damage to my credit score. Ive asked multiple times and they say they cant do anything until a team does their job and there is no one else I can talk to you Im just waiting. Im at the point now where Im super frustrated and dont feel this is legal at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Please refer to my feedback on complaint # XXXX against AMEX and also XXXXXXXX XXXX agency. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CA

Complaint narrative:
In XX/XX/XXXX, I became aware through XXXX XXXX coverage that personnel affiliated with the Department of Government Efficiency ( DOGE ) were granted access to U.S. Department of Education XXXX XXXX containing the personally identifiable information of approximately XXXX XXXX federal student loan borrowers, including Social Security numbers , bank account information, dates of birth, contact information, and loan payment history. I did not consent to this disclosure. My Master Promissory Note explicitly states that my nonpublic personal information will only be shared with third parties as necessary to process and service my loan, and as permitted by the Privacy Act of 1974. On XX/XX/XXXX, I sent a formal written request to my loan servicer, Nelnet, requesting a complete log of all parties who accessed my account since XX/XX/XXXX, the legal authority under which any third-party access was granted, and confirmation of what specific data was shared. As of the date of this complaint, Nelnet has not provided this information. I have also filed a formal XXXX complaint with the U.S. Department of Educations Student Privacy Policy Office regarding this unauthorized disclosure. This unauthorized access puts me at risk of identity theft and financial fraud. I am requesting an investigation, confirmation of what data was accessed and by whom, and any available remedies including credit monitoring or identity theft protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
Hello, I received Form XXXX for XXXX and XXXX. I contacted the unemployment department to inform them that I had not received my unemployment benefit for XXXX, even though I have a statement from the bank confirming receipt of the XXXX benefit. They sent me a document stating that they had sent me the full amount. I then contacted the bank, but they refused to provide any information. Each time I called, they gave me different information and hung up. Note : After receiving the full {$3200.00} unemployment benefit, as shown in the statements I sent you for XXXX, the bank deactivated my old card and sent me a new one, which I have not received any funds on yet. Thank you. The image : all statement XXXX and XXXX Information about bank : U.S. Bank ReliaCard FDIC Logo : blue with wait color Contact Us - usbankreliacard_responsive Need help? Want to report a lost or stolen card? If you have any questions regarding your account, call us toll-free, XXXX hours a day, 7 days a week at XXXX or XXXX for cardholders living outside of the United States XXXX We accept relay calls. XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX 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