vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/XXXX I bought a car from a dealer in Maryland. The dealer decided without my consent that I should have GAP insurance and paint insurance. After several months of calls I finally got them to cancel it and issue a refund in XXXX. They mailed the checks there were 2 one for XXXX and one for {$170.00} on XX/XX/XXXX. The dealer said to allow 10 days for the checks to post to my loan balance. I waited and they never posted. On XX/XX/XXXX Bank of America acknowledged receipt of the checks on XX/XX/XXXX but as of XX/XX/XXXX these checks have still not been credited my account. I have called twice and sadly no one seems to be able to answer why they are not posted. I want to refinance the loan in XXXX and I can't do that until I have a proper payoff amount which would include the refunded amounts. At this point I feel as if Bank of America owes me interest on this refund from their admitted date of receipt XX/XX/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 monetary relief
Consumer complaint received 2026-04-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was told my cruise that I booked with XXXX was less money then when I originally booked it. I was told I had to pay new fee and then I would be refunded the first payment I had originally given then. But they scammed me because they were not XXXX they are a scam company that has done this to over XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/year>, I sent a written request for validation of an alleged debt reported and collected by LVNV Funding LLC, serviced by Resurgent Capital Services, related to an account originally with XXXX XXXX XXXX ( XXXX XXXX ). The request was received on XX/XX/year>. In my request, I asked for validation of the debt, including a signed agreement, complete payment history and accounting of the balance, documentation establishing ownership of the debt, and evidence of authority to collect. The company responded on or about XX/XX/year> ; however, the information provided did not include the requested documentation. Specifically, no signed agreement, complete payment history, or documentation of ownership was provided. Despite the lack of proper validation, the company continues to report the account to consumer reporting agencies and has verified the account as accurate. There are also inconsistencies in how this account is reported across the credit bureaus. I am requesting that the company provide proper validation of the debt or cease collection activity and request deletion of the account from all consumer reporting agencies if such validation can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and a failed investigation. I disputed an account reported by Avant/WebBank on my XXXX credit report, stating that the account was opened fraudulently and that I did not authorize any transactions. Despite my claim of identity theft, XXXX concluded that the account is reporting accurately without providing sufficient proof or a reasonable investigation. I request that Avant/WebBank provide verifiable evidence that I authorized and opened this account, including signed agreements, IP address logs, and any documentation used to validate this account. Equifax failed to conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Simply relying on the furnishers response without verifying the accuracy of the information is not sufficient. I am requesting : - Immediate reinvestigation of this account - Full validation of the alleged debt - Removal of this account from my credit report if proper documentation can not be provided This matter involves identity theft and inaccurate reporting, which is severely impacting my credit. I expect a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX or XX/XX/year>, I opened a new Citibank checking account in order to qualify for a promotional reward of {$320.00}. Soon after the account was created, I noticed that a mortgage applicationwhich I did not submitappeared to be attached to my Citibank profile. I immediately contacted Citibank by phone and reported this as a fraudulent mortgage application the representative told me that there was no mortgage application associated with my profile, even though I had pulled it up while on the phone and request for the application to be removed but it is still displayed on my account. On the morning of XX/XX/year>, I discovered that I had been blocked from accessing my checking account. No explanation was provided. The only recent activity on the account was the initial {$500.00} deposit required for the promotional offer. I did not make any withdrawals, transfers, or unusual 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 explanation
Consumer complaint received 2026-04-21 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was in debt resolution program. It ended XX/XX/XXXX. They asked if I wanted to continue. I declined an addendum to continue. XX/XX/XXXX they attempted tocollect money. I reached out again. They stated they would shut it down. XXXX they attempted to get money. Prior to this date I called snd emailed several times. I spoke to people who said twice they created a case to stop it. And. They wouldn't provide me with the case details to follow up. They just said trust it'll be done. I don't trust it and need it to be stopped. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: UT

Complaint narrative:
I am a victim of identity theft and do not owe this debt reported by RentDebt Automated Collections.This account was not opened or authorized by me and is the result of identity theft. I have previously disputed this account and provided an FTC Identity Theft Report. Despite this, RentDebt continues to report this debt as valid. I requested verification of this alleged debt, including the original signed lease agreement, rental application, and identity verification records used to open and authorize this account. RentDebt has not provided any of this documentation. Instead of producing contractual proof, the account continues to be reported and treated as valid without substantiated evidence of my authorization or agreement. As a result, this account remains on my credit reports despite being fraudulent and unsupported by any verified documentation linking me to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XX/XX/year> leased a XXXX XXXX for {$1900.00}, {$230.00} a month XXXX. Next day returned our previous leaed car that was up. Starting my new job, a car was required. XX/XX/year> dealer called us asking for {$1000.00} extra or return the car. XX/XX/year> left work and we went to the dealer, dealer said it was an issue with XXXX XXXX, but they will lower price of the car because it wasn't our fault. They will email us the new contract XX/XX/year> paid {$900.00} to tint windows, {$1500.00} to install an XXXX charger. We were waiting for the contract, but didn't feel comfortable driving the car untill the new contract was received, which made getting to work difficult XX/XX/year> we contact dealer again for the new contract. They said we need to pay an additional {$2000.00} and {$310.00} a month or return the car. XX/XX/year> leave work again to speak to the GM of the dealer. It was explained that Honda finance was at fault and there was nothing the dealer can do. Now we won't have a car to get to work, lose {$900.00} for tint, {$1500.00} for charger, we had XXXX other opportunities for lease specials that are not longer available because we got this XXXX. Even worse, I am on a lease forum and have been referring people to Honda. This entire ordeal has ruined my reputation with others on the forum that ive been on for years. We are requesting Honda honors the initial contract or give us the the amount we are requesting for lost wages, time, window tint and the charger instalation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Imperial Recovery Consultants, LLC
State: KY

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed. After I was able to retrieve my personal belongings from the vehicle, I discovered that several high-value items were missing. The missing property includes : Cash {$200.00} XXXX XXXX estimated value {$1100.00} Watch estimated value {$350.00} Diamond tennis bracelet estimated value {$2500.00} These items were inside my vehicle at the time of repossession and were not returned to me. I was not provided with a complete inventory list of personal property, nor was I given a clear explanation of what happened to these items while the vehicle was in the possession of the repossession company and/or storage facility. I believe the repossession company and/or creditor failed to properly safeguard and inventory my personal property, resulting in significant financial loss. I have attempted to resolve this matter directly with the creditor and/or repossession company, but the issue has not been resolved. Resolution requested : I am requesting a full investigation into the handling of my personal property, including : A complete inventory of items removed from the vehicle Chain of custody records showing who accessed the vehicle Immediate return of my missing property or reimbursement for its full value If the items can not be returned, I am requesting full compensation totaling approximately {$4100.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am requesting validation of a debt reported by Transworld Systems Inc. The account is listed as a collection, but I have not received proper documentation showing the original creditor or proof that this debt is mine. I am requesting verification and correction or removal if inaccurate. Attempts to collect debt not owed I want proof / validation .Written notification about debt. They are being aggressive or shadyCommunication tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
On or about XX/XX/XXXX, XXXX transfers were initiated from XXXX XXXX Bank to Alliant Credit Union and processed. Two days after the transfers were received, on XX/XX/XXXX, the transfer for {$5000.00} was returned by XXXX XXXX Bank with the stated reason " account frozen ''. The transfer for {$1000.00} and {$25.00} were not returned. XXXX XXXX Bank did not not give the same reason for return to me. I received a notice by mail, dated XX/XX/XXXX, as the date of return and the reason being Refer to XXXX. XXXX XXXX 's customer service confirms that there is no documentation or record of my account being frozen, activity was not limited on my account when First Citizen 's claims my account was frozen, and XXXX XXXX Banks shows no record of the {$5000.00} ever having transferred to Alliant Credit Union and has never credited back to my account balance or reflected in my transaction history. I have repeatedly asked Alliant for information and I am always told that I have to contact XXXX XXXX Bank, but they have record of my account being frozen. In XX/XX/XXXX, I submitted a dispute but no error was found. I requested the documents that Alliant relied on to make this decision and I received a copy of the dispute submission confirmation. I believe XXXX XXXX Bank misrepresent the status of my account ( falsely claiming it was frozen ) to facilitate an unauthorized transfer of funds. XXXX XXXX Bank lied about the status of my account to hide improper actions or prevent a legal, fully funded transfer without cause. My account maintained a balance of over {$7000.00} at the time of the transfer, making any " Insufficient Funds '' return impossible. I do not believe that a reasonable investigation was performed by Alliant Credit Union. I think that Alliant Credit Union only reviewed their own internal records without reviewing or requesting evidence from XXXX XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding MOHELAs mishandling of my federal student loan account, which has caused significant harm to my repayment progress and my eligibility under the Public Service Loan Forgiveness ( PSLF ) program. MOHELA placed my loans into forbearance without my request or authorization. This improper forbearance directly reduced my PSLF qualifying payment count, despite the fact that I have documentation showing continued qualifying employment and active repayment. This action is both unauthorized and unacceptable. My PSLF count is over 120 qualifying months, and I have already completed the required 120 payments. Despite meeting the statutory requirement for forgiveness under 34C.F.R. 685.219, my loans have still not been forgiven or discharged. The inaccurate payment count and MOHELAs failure to correct it have resulted in a wrongful delay in receiving forgiveness that I am legally entitled to. I am requesting a full investigation and correction of these issues. Specifically, MOHELA must correct my PSLF qualifying payment count to reflect the accurate totalmore than 120 qualifying paymentsand remove any unauthorized forbearance periods that were applied without my consent. I assert my rights under the following laws : 34C.F.R. 685.219 PSLF eligibility requirements and definitions of qualifying payments. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under the Fair Credit Reporting Act ( FCRA ), the furnisher must conduct a reasonable reinvestigation of my dispute within 30 days of notice 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If finding incomplete or unverifiable information, the furnisher must correct or delete it. 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) The furnisher must promptly provide me with the written results of the reinvestigation. I request : 1. A full investigation into why my loans were placed into unauthorized forbearance. 2. Immediate correction of my PSLF qualifying payment count to reflect more than 120 payments. 3. Immediate processing of forgiveness and discharge, as mandated by federal regulations. 4. Written confirmation of all corrections and updates. 5. Notification to any credit reporting agencies if inaccurate information was furnished to them. MOHELAs errors have delayed my PSLF discharge, misreported payment history, and created undue hardship. Prompt corrective action in full compliance with federal law is required. Thank you for reviewing my complaint. I expect a resolution that adheres strictly to legal mandates. Sincerely, XXXX XXXX, maiden name : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX MOHELA Account Number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding unresolved fraudulent charges on my XXXX credit card account ending in XXXX. The issue began in XX/XX/year> and primarily involves charges from XXXX XXXX XXXX XXXX that I did not authorize. On XX/XX/year>, a charge of {$1700.00} from XXXX XXXX XXXX XXXX appeared on my account. While a temporary adjustment was issued on XX/XX/year>, the charge was later reapplied on XX/XX/year>. Additional related charges continued, including : - XX/XX/year> {$180.00} ( XXXXXXXX XXXX XXXX XXXX ) - XX/XX/year> {$18.00} ( XXXXXXXX XXXX XXXX XXXX ) - XX/XX/year> {$4.00} ( XXXXXXXX XXXX XXXX XXXX ) - XX/XX/year> {$150.00} ( XXXXXXXX XXXX XXXX XXXX ) There are also multiple purchase adjustments tied to these transactions, creating confusion and inconsistency in how this account has been handled. I did not authorize these transactions and have disputed them with Capital One multiple times. Despite this, Capital One has failed to remove the charges or provide sufficient documentation proving that I authorized or benefited from these transactions. As a result, my account has accumulated interest charges, late fees, and is now reported as severely past due, causing significant damage to my credit. I am requesting the following : 1. A full and proper reinvestigation of all disputed XXXX XXXX XXXX XXXX transactions 2. Immediate removal of all fraudulent charges, including the {$1700.00} charge and any related transactions 3. Removal of all associated interest charges, late fees, and penalties tied to these disputed transactions 4. Correction of all negative credit reporting related to this matter 5. Written proof of authorization for these charges, if Capital One claims they are valid This issue has been ongoing for nearly a year without resolution. I expect Capital One to comply with its obligations under the Fair Credit Billing Act and conduct a proper investigation. If this matter is not resolved, I am prepared to pursue further action. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I was the victim of an impersonation scam in which an individual posing as XXXX customer support induced me to provide payment information under false pretenses. As a result, {$770.00} was debited from my account by a fraudulent merchant ( XXXX ). I did not knowingly authorize a legitimate transaction with this merchant. The payment was made as a direct result of deception and impersonation, and I reasonably believed I was interacting with a legitimate company representative at the time. I reported the transaction to SoFi on the same day. However, SoFi classified this claim as a service dispute rather than an unauthorized electronic fund transfer. Based on this classification : - XXXX credit was denied - The claim has been handled as a merchant dispute - The investigation has been delayed while awaiting a response from the merchant As of XX/XX/year>, the claim remains unresolved, and I have been informed that a final determination may take up to 90 days. I have requested clarification from SoFi regarding : - The basis for classifying this as an authorized transaction - The reason provisional credit was denied - Whether this claim has been evaluated under Regulation E standards SoFi has not provided a clear or sufficient explanation for this classification and continues to rely on a merchant response to resolve a claim involving fraud and impersonation. I am requesting that this matter be reviewed for proper classification under Regulation E and that appropriate consumer protections be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
Applied for SCRA but never got any response at all. for both loans XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I've talked this company several times and submitted the email numerous times I received that my information was breached in XXXX on XXXX. They keep reporting this debt and the only response the XXXX me is they are waiting for XXXX to send verification of the debt. But I was told upon calling them that they have submitted it to XXXX and the only response from XXXX is " she owes a internet box and past bill ''. This is effecting my credit horribly and it's a debt that I have sent information validating it's not mine. Very rude to me when I call. I've submitted everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation