vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas repeated denial of my auto loan applications after initially approving them and then claiming it could not verify my income documentation. Most recently, I applied for a Bank of America auto loan, application XXXX XXXXXXXX. Bank of America confirmed receipt of my application on XX/XX/year> at approximately XXXX XXXX. About 14 minutes later, Bank of America sent me an email stating that my auto loan application was approved. About 20 minutes after that, Bank of America requested proof of income to finalize the loan approval. I submitted legitimate income documentation. I own XXXX XXXX, a legitimate C corporation, and I am paid W-2 wages by the company. The company pays payroll taxes and files required tax documents, including XXXX payroll tax filings. I provided Bank of America with paystubs and tax/IRS-related documentation showing my income. Despite that, Bank of America reversed the approval and denied the loan the next day. Its adverse action letter dated XX/XX/year> states the principal reason as : Unable to verify employment income and/or financial documentation provided. Bank of America has not explained what specific document was deficient, what verification failed, what source it attempted to verify, or what additional documentation would satisfy its requirements. This has happened repeatedly. My Bank of America Application Status Center shows many vehicle loan applications marked declined. In an earlier application, # XXXX, Bank of America also approved the loan, requested documents including proof of income, acknowledged receiving my documents, and then denied the application. I am concerned that Bank of America is not conducting a fair or reasonable review of my income documentation and may be using vague unable to verify language to avoid explaining the real reason for the denials. I am also concerned that my prior consumer-credit disputes and federal lawsuit involving Bank of America may be affecting how my applications are being handled. ECOA prohibits adverse treatment because an applicant exercised rights under the Consumer Credit Protection Act.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

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 two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC. On XX/XX/year>, I contacted Jefferson Capital Systems to request information regarding a debt they claim I owe. During that phone call, I asked them to provide information that would validate the debt and confirm that it actually belongs to me. As the representative reviewed the account, I discovered that the information they had on file was inaccurate. The identifying information they provided did not match my records, which immediately raised concerns about whether this debt has been properly verified and whether it belongs to me at all. I specifically requested documentation and information supporting the validity of the debt. However, based on the inaccurate information they had in their system, I do not believe they have conducted a reasonable investigation to ensure they are attempting to collect from the correct person. I am requesting that Jefferson Capital Systems provide proper validation of this debt, including documentation showing the original creditor, the amount allegedly owed, how the balance was calculated, and evidence that I am the person legally responsible for the account. I also request that they investigate the inaccurate information associated with this account and correct any errors. At this time, I dispute the debt and am seeking verification before any further collection activity continues. This has also been placed on my credit report which goes against the law of the information needs to be correctly verified and correct to be placed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

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 two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, unauthorized transactions were made through XXXX, a money transfer service that sends funds to the XXXX. These transactions were in the amounts of {$9.00} and {$59.00} and were charged to my debit card ending in XXXX. Upon discovering these unauthorized transactions, I immediately reported them to the bank and filed a fraud dispute. The bank provisionally credited my account and subsequently deactivated the compromised debit card. I was then issued a replacement debit card ending in XXXX. On XX/XX/year>, despite the previous fraud report and replacement of my debit card, additional unauthorized transactions were processed through XXXX, another remittance service. These transactions were in the amounts of {$500.00}, {$900.00}, and {$870.00}, totaling {$2200.00}. I immediately reported these transactions and filed a fraud claim because I did not authorize, initiate, or benefit from any of these transfers. My primary concern is that these transactions were charged against my replacement debit card, ending in XXXX, even though I never provided the new card information to XXXX, nor did I authorize XXXX to access or use the replacement card. It is difficult for me to understand how a merchant was able to process transactions using a newly issued card that I had never entered into their system. The explanation provided to me was that because I had an established relationship with XXXX, the merchant was able to continue processing transactions through updated card information. However, this explanation does not address the critical issue of authorization. While I may have had a prior relationship with the merchant, I did not authorize the specific transactions that occurred on XX/XX/year>. I have been a customer of Bank of America for approximately 32 years. Throughout my banking relationship, the bank has consistently implemented security measures requiring verification codes, authentication procedures, and identity confirmation before allowing access to my accounts or approving transactions. Given these security practices, I am struggling to understand how multiple high-dollar international remittance transactions were approved without my knowledge, consent, or direct authorization. I entrusted my funds to Bank of America with the expectation that reasonable safeguards would be in place to protect my account from unauthorized activity. The fact that a replacement card issued after a prior fraud incident was subsequently used for additional unauthorized transactions raises serious concerns regarding the adequacy of the security and verification procedures that were followed.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I opened a savings account with SoFi around XX/XX/XXXX. I transferred funds from my XXXX Account to my SoFi Savings account around XX/XX/XXXX, I transferred a total around {$3700.00}. Once I opened that account and my funds from my XXXX account were transferred into my SoFi account I made some transactions from my SoFi account and they flagged my account and put my funds on hold. I had called asking about why my funds were on hold and they told me that it was because I added money from a 3rd party app to my SoFi savings. They then asked me to verify some things to verify it was me and the took the hold off of my funds. Then, on XX/XX/XXXX I get a text message stating that my account has been closed due to violation of SoFi Bank Deposit Account Agreement and was told my funds would be returned to the originator and they stated that I am not the rightful owner. ( Which I am ). They told me they would be returned within 30 days so I waited until XX/XX/XXXX and I contacted XXXX and I contacted SoFi to see where my funds were because I still havent got them back. The total in my account when they closed it was around {$3400.00}. I called them on XX/XX/XXXX they told me they cant provide me with any proof that my funds were sent back they just said that they sent me an email confirming that my funds will be returned writhin 30 days. I have called SoFi over around 7 more times asking them for proof that my funds were sent back and they tell me they dont have anyway of tracking the funds. I then got in contact with an account manager there at SoFi on XX/XX/year>XXXX named XXXX and he provided me with a Transaction ID and notified me that my funds were Escheated and that they have been sent to the state. I called the state of unclaimed property and they told me that my funds are not there and to wait 90 days from the day they told me they were escheated. XXXX the account manager told me the funds were escheated on XX/XX/XXXX so I waited 90 days and they still do not have my funds. It is now XX/XX/XXXX and I have no update or no trace of where my funds are at all. XXXX told me they dont have them. My bank account that was connected to my SoFi and to my XXXX does not have them. I have proof that all the funds sent from my XXXX account to SoFi are mine. I have proof of every transaction and every date that I have contacted SoFi for my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

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 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I sent a XXXX $ payment to my sister on CashApp to purchase some items for my child, with the note " XXXX XXXX, '' as we were talking on the phone about XXXX politics and XXXX Sanctions. My sister never received the money, and the payment was flagged, unable to reverse or be refunded. I reached out to CashApp on XX/XX/XXXX, XX/XX/XXXX and have been emailing them as needed when they reach out. Initially, they asked me to provide who the payment was going to, for how much and for what the money was used for, they also asked me why I said " XXXX XXXX '' and I answered and complied with all of their demands. A manager I spoke with on my first call to Cashapp told me I was not able to include legal advisory for my issue. As of today, XX/XX/XXXX, Cashapp has closed my complaint case and has not refunded my money or released it in anyway. The last email I received described to me how the issue was resolved and to " reopen '' a complaint case. I'm not sure where to go from here. In their policy it clearly states that if a user sends money and it is " pending '' for longer than 14 days, it will be returned to the account it was originally debited from yet I have not received a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year> around XXXX XXXX, I inserted around {$2300.00} cash into an America First Credit Union ATM. The ATM had an error, took all of the cash, and did not print a receipt. The next day on XX/XX/year> around XXXX XXXX, I was able to speak with a bank teller and received {$2300.00} provisional credit. On XX/XX/year>, this provisional credit was taken away and I received only {$1300.00} in return. The bank is claiming that the extra {$1000.00} can not be found. There were ( XXXX ) XXXX dollar bills, so the total amount can not be less than {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX and Lennar Mortgage has shown there processes are broken and ineffective. They has blotched our new house purchase. I am a XXXX XXXX XXXX XXXX. They have caused significant financial and emotional damage to me and my family. This XXXX/Lennar forgot to get the XXXX XXXX XXXX XXXX the house to get the required Certificate of Occupancy for the VA Loan Approval . Additionally, Lennar blotched the VA Loan Appraisal process which caused delays in the closing process. VA Loan : XXXX We have incurred significant expenses and emotional damage, as a result of Lennars internal process failures, which have prevented the closing of XXXX XXXX XXXX, XXXX, FL since XX/XX/year>. These delays have created significant financial strain. Below is an itemized breakdown of the expenses : As of XXXXXXXX XXXX XXXX Housing Per Diem {$250.00} per day for 18 days ( XXXX XXXX XXXX XXXX ) Total : {$4500.00} Daily Per Diem for XXXX Adults {$150.00} per day ( {$75.00} per person ) for 18 days Total : {$2700.00} XXXX Costs Initial rental rate ( already paid ) : {$450.00} Additional 10 days at $ XXXX ( amount requested for reimbursement ) : {$300.00} Total reimbursement requested for XXXX extension : {$300.00} 4. Moving Labor Costs We will be hiring movers to load and unload household items placed in storage due to the delay, as well as items currently being housed in the XXXX truck. Final costs will be submitted once services are completed. 5. Vacation Cancellation We also want to note that we anticipated being able to close on XX/XX/XXXX, and again on XX/XX/XXXX. Because neither closing occurred as scheduled, we were forced to cancel our backtoback XXXX XXXX cruises on the XXXX ( XX/XX/year> and XX/XX/year> ). These cancellations resulted in fees of {$200.00} and {$240.00}, for a total of {$450.00}. Totaling ( excluding movers ) : {$7900.00} The ongoing delays have caused substantial disruption to our relocation and financial stability. We request prompt review and assistance to move forward without further hardship. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2026-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I am requesting assistance obtaining a written accounting and explanation regarding the payoff of my mortgage loan with Carrington Mortgage Services. My property was sold and closed on XXXX XX/XX/year>. Prior to closing, Carrington issued a payoff quote showing a payoff amount of {$260000.00} that was valid through XXXX XX/XX/year>. The payoff quote specifically stated that funds received after XXXX XX/XX/year>XXXX would require additional interest of {$36.00} per day. The closing attorney remitted payoff funds in accordance with Carringtons payoff statement. Carrington has advised me that because the payoff funds were not received and posted until XXXX XX/XX/year>, the principal and interest portion of my XXXX XX/XX/year>XXXX mortgage payment would not be refunded. I have requested a written explanation identifying the contractual, servicing, or payoff-statement authority supporting this position. I have also requested an accounting showing how the payoff quotes stated per diem interest provision was applied to my account. To date, I have not received a written explanation reconciling the payoff quote with Carringtons decision to retain approximately {$1400.00} in principal and interest from the XXXX XX/XX/year> payment. My concern is not that Carrington assessed additional interest after the payoff quotes good-through date. The payoff quote expressly contemplates additional per diem interest of {$36.00} per day after XXXX XX/XX/year>. My concern is that Carrington has not explained how the payoff quotes per diem interest provision resulted in the retention of approximately {$1400.00} in principal and interest, nor has Carrington identified the authority permitting such retention. I am requesting : A complete payoff reconciliation and accounting. Identification of the contractual, servicing, or payoff-statement authority supporting the retention of the principal and interest portion of the XXXX XX/XX/year> payment. An explanation of how the per diem interest provision contained in the payoff quote was applied. Correction of the account and refund of any amounts improperly retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

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 two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief