vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a " see something/say something '' complaint from a retired senior executive service XXXX employee ( who has it ingrained to make reports! ). I am concerned that my experience represents a systemic issue regarding how Bank of America contacts consumers regarding specific issues of checking account security : On XX/XX/year>, my spouse received a voicemail to verify a large check ( {$99000.00} ) from an estate checking account for which I am the sole manager ( executor ). Neither my wife nor I know how the caller " XXXX '' associated my wife 's phone number with an account to which my wife has no relationship. My wife initially dismissed this voice mail as spam, but upon mentioning it to me, I recognized the check amount and felt the call may be valid. It is true that we do have a joint checking acount at the same bank. I called Bank of America 's Consumer Security Division ( XXXX ) where I did verify the check after insisting the person on the phone first provide the full account number ( which ends in XXXX ). However, she would not acknowledge nor explain how the bank had associated my wife 's phone number with my estate account. The representative on the phone refused to confirm or address the incorrect phone number and would not speak further on the matter.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
What happened : I am an XXXX XXXX currently traveling in XXXX. On XXXX, my Bank of America account XXXX restricted without any prior notice, and my online banking access was deactivated. I have received XXXX email notifications or official communications from the bank explaining these actions.I have attempted to resolve this issue through multiple departments, including the Privacy and XXXX Department XXXX XXXX ) and the International Customer Service XXXX XXXX XXXX ). Although I have successfully verified my identity with representatives over the phone, I am being told by multiple supervisors that my account will remain locked and that I must visit a physical branch in the United States to verify my identity.The conflict : A physical branch visit is impossible as I am currently in a foreign country. The bank is refusing to provide any alternative method for identity verification ( such as a notarized document or consular verification ), effectively leaving me destitute and stranded abroad without access to funds for food, safety, or return travel.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
On XXXX XXXX I called XXXX XXXX to dispute charges they were assessing and unauthorized charges they were making with third party credit agency on my card then charging me large interest charges on purchase for charges they made. It's like they're using my card all the funds and payments I made to their advantage and not allowing me to pay down principal or even use the card for purchases. I just keep paying and they're making sure all payment is used for their purchases and third party stuff. I pay in advance and my payments are {$45.00} but I pay more to help build my credit I pay {$90.00} {$130.00} {$200.00} and every payment was taken for their fees usage put me over the limit so now I paying interest fees for that and late fee when I pay in time. They're reporting illegal claims on my credit report my credit drop XXXX percent each month.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
In XX/XX/XXXX I signed up for a membership at XXXX XXXX XXXX, XXXX. When I later visited a different XXXX XXXX location near my home, a staff member informed me the locations were not connected and that the XXXX membership would need to be cancelled. I never received confirmation the cancellation was completed and never returned to the XXXX facility after the initial signup visit. I was unaware I was being charged for both locations simultaneously. I only discovered the double billing when my card was declined on the XXXX charge. On XX/XX/XXXX I emailed XXXX XXXX, Area Operations Manager at XXXX XXXX, requesting immediate account termination. I stated I had never used the XXXX location and should not have been charged. XXXX XXXX responded confirming the contract was done online and that locations are not connected but never cancelled the account or provided any resolution. She stated I owed the remaining balance before cancellation would occur. XXXX XXXX then referred the account to Aldous & Associates PLLC, who placed a {$78.00} collection on my XXXX credit report on XX/XX/XXXX despite my written cancellation request being on record since XX/XX/XXXX. I have sent Aldous XXXX XXXX a formal FDCPA debt validation letter via certified mail demanding proof of the debt including actual access records showing I used the facility. I have also filed a complaint with the Georgia Attorney General 's XXXX XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: IL

Complaint narrative:
The First Digital card came up in my XXXX app. To apply for as a Good approval status so I did was approved for a {$500.00} limit application ID XXXX after they ran my credit which I was notified of that same day as a hard inquiry. They then sent a congratulations email requesting {$95.00} processing fee which I attempt to pay with my debit card and kept getting a problem with processing payment message from both their site and automated with my bank rep as a third party on the line. I opted for a live rep who stated just I see the attempts you will receive a letter stating why in the mail. I said what? My credit was ran, I was approved and now what she said we can decline app after it has been approved! I said not after you ding my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please permanently remove all Fraud Alerts on my credit report. I do not want it.

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 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called together loans to see if I could set up a payment arrangement because I fell way behind. They agreed to it and I even made my first payment XXXX days later on XX/XX/XXXX for {$310.00}. My next payment arrangement is set for XX/XX/XXXX for {$400.00} which is more than my normal payment. Then moving forward, I would pay my normal amount {$300.00} plus {$100.00} on top ( {$400.00} ) to make up the past due. They agreed to it. Then still sent me to collections. They are only out for themselves and give customers absolutely no time to fix mistakes. If a payment arrangement is set up, they need to give time to follow through on that arrangement. I will attach my next promise to pay and the letter they sent today. I have also uploaded my XXXX payment and the email they sent for that payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XXXX 2026 I transferred {$250.00} to my daughter via Chime, the funds didn't reached her because it went to a closed XXXX account. My daughter XXXX XXXX immediately called XXXX and was told that because the funds were directed to a closed account, the funds are immediately rejected and send back to the issuer ( Chime ). Chime claims they didn't get the funds back. So apparently no one has my money. My daughter doesn't bank with XXXX and they are limited as to the help they can provide, but assured her that their policy is if funds are sent to a closed account the funds are immediately rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. I dispute this debt and do not believe it is mine. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692g, which requires a debt collector to provide validation of the debt. Please provide the following : - The name and address of the original creditor - The account number associated with the alleged debt - Documentation showing that I agreed to or am legally responsible for this debt - A complete payment history, including the date of last activity - Copies of any signed contract or agreement associated with this account Additionally, under 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representations in connection with the collection of any debt. Reporting or attempting to collect a debt that can not be validated or is not mine would constitute a violation. Please also be advised that this alleged debt appears to be beyond the applicable statute of limitations in Massachusetts ( generally XXXX years for most consumer debts under M.G.L. c. 260 2 ). Any attempt to pursue legal action on a time-barred debt may violate 15 U.S.C. 1692f. Under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter, except to provide the requested validation or to notify me that collection efforts are being terminated. If you are unable to provide proper validation, you must cease collection efforts and notify any credit reporting agencies to which this account has been reported that the account is disputed or request its deletion. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX/2026, I purchased a used vehicle from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. During the contracting process I attempted to decline a {$1900.00} add-on package ( LoJack/theft protection and Appearance ProtectioXXXX, {$990.00} each ). I was told by dealership management that the vehicle could not be sold to me unless I purchased the add-on package, and that removing the add-ons could cause me to lose the deal/financing. However, the paperwork I signed for the theft protection product stated it is optional and not a factor in the purchase/lease process or credit approval. After the sale, I emailed XXXX XXXX XXXX and the Chief Sales XXXX on XXXX/2026 requesting : ( 1 ) written policy showing the add-ons were required as a condition of sale/financing, or ( 2 ) cancellation/removal of the add-ons with the full {$1900.00} credited/refunded ( or applied to principal ). I received a short response stating the store XXXX would contact me. The XXXX later contacted me and insisted my only options were to either send a letter stating I was okay with the add-ons or they would cancel the loan and require me to return the vehicle. I continued requesting written confirmation of any policy requiring the add-ons and the cancellation/refund process, but I did not receive a written resolution. I followed up again in XXXX and XX/XX/2026 and did not receive responses. I am requesting that the company provide, in writing : ( 1 ) the cancellation/refund process ( administrator contact information, contract numbers, and forms ) for LoJack/theft protection and Appearance Protection, and process cancellation if eligible with the {$1900.00} refunded or credited to the loan principal ; or ( 2 ) if the company refuses, a written explanation and the policy/documentation showing these add-ons were required as a condition of the sale/financing.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has been reported on my credit file. The account in question is listed as XXXX XXXX, account number XXXX * * * *. This account is not mine, and I did not authorize or open it under any circumstances. My identity has been stolen, and I have taken appropriate steps to document this crime. A police report has been filed, and a copy is attached for your review. Additionally, my personal information has been exposed in multiple data breaches involving major credit bureaus, including XXXX and XXXX, as well as other companies, further supporting the presence of identity theft. What is especially alarming is that this fraudulent account was added to my credit file while it was supposed to be protected by a security freeze. This represents a serious failure in your procedures and a direct violation of my rights as a consumer. Your reporting of this account appears to violate several federal laws, including but not limited to : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Requires consumer reporting agencies to ensure maximum possible accuracy. Reporting a fraudulent account is a clear failure to meet this standard.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Kikoff Lending , LLC and their continued reporting of a disputed account on my credit report. I formally disputed this account directly with Kikoff multiple times and specifically requested proper validation of the alleged debt, including documentation demonstrating that I personally opened or authorized the account. In response, Kikoff has provided only : General account summaries A copy of a standard agreement A list of alleged email notification dates They have not provided : Any documentation demonstrating identity verification at the time of account opening Any IP logs, device data, or authentication records linking the account to me Any verifiable proof of delivery or receipt of billing statements or notifications Any underlying records supporting their claim of successful delivery of communications Kikoff has stated that email notifications were successfully delivered, yet refused to provide delivery logs or supporting evidence, citing security reasons. Unsupported statements do not constitute verification. Additionally, Kikoffs own Terms of Service state that personal information is collected to verify identity and that third-party services may be used for this purpose. However, no such verification records have been provided. Despite this lack of documentation, Kikoff continues to report this account as accurate to consumer reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to : Conduct a reasonable investigation of disputed information Ensure that reported information is accurate and verifiable Kikoff has failed to meet these obligations and is continuing to furnish information that has not been properly substantiated. I am requesting that : This account be removed from my credit report due to failure to verify Kikoff be required to provide documentation demonstrating compliance with FCRA investigation requirements I am maintaining records of all correspondence and request a formal review of Kikoffs practices in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Exto Inc.
State: WV

Complaint narrative:
I requested information on how to cancel the service. They refused to allow me to close account stating I owed them so I couldn't close account and continue to bill me and won't let me close account. The company has not provided any service whatsoever. Nothing that they promised has been true. They won't let me cancel saying I have a balance so they continue to bill me and I cant do anything about it. They are a scam. I have recieved nothing but a very hard time of harassment and run around and XXXX help from their support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My identity was stolen and numerous frauds were committed using my information through my credit, banks, credit cards. Including banks like chase, XXXX XXXX, XXXX bank, TD bank, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX, 2024, I opened a XXXX XXXX XXXX credit card ( issued through Synchrony Financial on the XXXX network ) at the time of purchase at XXXX XXXX XXXX ( XXXX, FL ). I was approved for an XXXX no-interest promotional financing offer, which was a key factor in completing the purchase. The total transaction amount was {$1300.00}. However, the promotional financing was not applied to my account. Actions Taken : I contacted customer service prior to XXXX XXXX, 2025 regarding the missing promotion, but I began formally documenting my communications starting on that date. - XX/XX/XXXX2025 : Contacted customer service regarding the missing promotion and requested a correction. - XX/XX/XXXX2025 : Followed up regarding the promotional correction request. - XX/XX/XXXXXXXX : Called again to request review and correction. they told me not to call back and wait until XX/XX/XXXX. - XX/XX/XXXX2025 : Additional follow-up made due to no resolution. - XX/XX/XXXX2025 : Spoke with a representative ( XXXX XXXX, who stated there were no prior notes on the account. The issue was escalated. I explained that I had been calling for months. On XXXX XXXX, 2025, I was informed that the request for promotional correction was denied by an account XXXX ( XXXX ). Issue : The XXXX no-interest promotion that was offered and agreed upon at the time of purchase has not been honored. Despite multiple attempts to resolve this issue, including earlier undocumented calls, the company has failed to correct the account. Requested Resolution : I am requesting that the XXXX no-interest promotional financing be applied retroactively to the original purchase dated XXXX XXXX, 2024, and that any associated interest charges be removed. Additional Statement : If this matter is not resolved, I am prepared to pursue further action through all available regulatory and legal channels.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Somebody posed as insurance for XXXX XXXX XXXXold me a car insurance. I paid full XXXX months and never received the service. After a while XXXX XXXX send me a debt notice. I disputed once but they send me discounted offer. I will attach a file for my second dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation