vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date of incident : XXXX XXXX XXXX  Bank : Bank of America Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint : On XX/XX/year> afternoon, I visited a Bank of America branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to purchase a CD using a cashiers check from another bank. A bank employee XXXX XXXX instructed me to deposit the cashiers check into my account and did not disclose that this would result in a multi-day hold or prevent me from purchasing the CD. I relied on this instruction.

After the deposit, I was informed by another employee that the funds were subject to a hold and unavailable for the CD purchase. On XX/XX/year>, the branch manager XXXX XXXX confirmed the hold would last until XX/XX/year> which showed in my Mobile app, and stated that no courtesy credit or adjustment would be provided even raw information from staff, unnecessary delay, extra trips to the bank for me, and time and the stress caused.

I was not properly informed of the hold at the time of deposit and experienced inconvenience due to incorrect guidance from bank staff. I am requesting review of this matter and appropriate remediation. 

Thank you, 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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Bank of America Inaccurate Consumer Reporting ( FCRA Violations ) Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Bank of America , N.A . regarding inaccurate and unverifiable information being reported on my consumer banking reports through XXXX XXXX XXXX XXXXXXXX XXXX. 
Account involved : Bank of America account ending in XXXX. 
Summary of Complaint : Bank of America is reporting negative account information that I believe to be inaccurate, incomplete, and/or unverifiable. I previously disputed this matter directly with Bank of America, as well as with XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Bank of America responded that the information was verified as accurate, but failed to provide proper documentation or disclose their method of verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). 
Despite my follow-up dispute demanding verification, Bank of America continues to furnish this information without producing : Original account application bearing my signature Complete transaction history Contractual agreement establishing liability Identity verification documentation Method of verification used I believe Bank of America is violating the following : FCRA 611 Failure to conduct a reasonable investigation FCRA 623 Furnishing inaccurate or unverifiable information Failure to correct or delete disputed information Requested Resolution : I respectfully request that the CFPB : 1. Require Bank of America to provide full documentary verification of the account, OR 2. Require immediate deletion of the account from XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX. Ensure my consumer banking reports reflect accurate information only. 
This inaccurate reporting has negatively affected my ability to open bank accounts and conduct normal financial activity. 
Thank you for your time and assistance in this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
AARGON is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGONis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: IL

Complaint narrative:
I submitted a written request to my mortgage servicer seeking verification of the loan, including the identity of the current owner and proof of the servicer 's authority to collect. The servicer responded with letters that did not provide the requested documentation and contained conflicting statements regarding loan ownership, including references to a mortgage-backed security pool number ( XXXX ). As a result. I can not determine whether the entity attempting to collect is legally entitled to do so.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Since I have reported the company they are now threatening to take the vehicle before XX/XX/year> saying they will escalate to have the vehicle repossessed. They sales representatives are calling to threat repossession sooner because of complaints filed against them and the late payments reported after receiving payment. They have been calling me everyday since XX/XX/year> and the calls has gotten more harsh since I have advised the complaint will be sent to CFPB on XX/XX/XXXX this was the same day of the call with XXXX. They have not sent me anything from the original request about showing contract that auto loan is discharged after 120 days which Im not 120 days past due. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX, this is XXXX XXXX. I'm contacting because I need to verify this that I have here on file for you as documentation. I need to get up to you and there will be an assempt. Get them to the addresses that on file for you tomorrow unless you receive notification that this process will be a stop. You can contact the legally authorized party at XXXX and file number XXXX. And if you do contact them, see if you are able to request to stop this process and then rent the assempts to the address on file. XXXX, you've been notified. Thank you. This was XX/XX/year> the voice mail they left midland credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting a complaint regarding inaccurate and outdated personal information on my TransUnion credit report dated XX/XX/year>. 


Outdated Information : Address : XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Reporting outdated or incorrect information is misleading and inaccurate. Under the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to maintain accurate and up-to-date consumer information.

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 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I'm bring contacted by the company in excess of 5 times per day, each time they call it's from a different phone number. They are calling during my work hours which is directly affecting my job. I have made them aware that they are violating my rights. Phone calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have been a XXXX  customer and on XXXX of XXXX they have closed my account even though I have outstanding balance of {$5500.00} on it. They have closed it because I couldn't do the XXXX  text message verification, so I have sent the XXXX XXXX photo as well as my ID and all the necessary info they requested. They have completely ignored all of the above documents and said that since the phone cant receive the text message verification they have to close the account. They have said they will mail a physical check to my home address in XXXX and since then its been almost 3 months and I haven't received it. I have called almost every week to check on it and to get some tracking number but without any luck. Now they are offering finally to issue a wire transfer but nobody is following though to complete it for over a week. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: Continental Finance Company, LLC
State: DC

Complaint narrative:
I am writing to formally dispute the alleged debt referenced above, which your agency claims I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide me with the following information to validate this debt. 

XXXX. The amount of the debt : Please provide a complete and detailed account of the amount you claim I owe, including any interest fees, or other charges that have been added to the original debt. 
XXXX. The name of the original creditor : Please provide the full name and address of the original creditor to whom this debt is owed.

3. Verification of the debt : Please provide documentation that proves I am indeed responsible for this debt, including any signed agreements, contracts, or other proof of the obligation.

4. A detailed history of the account : Please provide a complete account history including the original balance, any payments made, any fees or interest added, and the dates of these transactions. 
XXXX. Copy of agreement : Kindly provide a copy of the signed contract agreement that demonstrates my obligation to pay this debt. 
XXXX. Documentation on your licensing : Please furnish me with your agencys licensing information, as required by state and federal laws. 

Please note that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this letter. If you fail to do so, I expect that this debt will be removed from my credit report and that no further collection of attempts will be made.

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 2026-01-22 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: AR

Complaint narrative:
b'JEFFERSON CAPITAL SYST\n\nSave\nOriginal Creditor\nCompany Sold\nAccount Type\nDate Opened\nStatus\nStatus Updated\nBalance\nBalance Updated\nPaid Off\nMonthly Payment\nPast Due Amount\nOriginal Balance\nTerms\nResponsibility\nYour Statement:\XXXX\n-\nDebt Buyer\nXXXX XXXX XXXXCollection account. $XXXX  past due\nas of XXXX XXXX XXXX XXXX XXXX1 Month Individual\nComments:\nContact Info:XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX24-month pavment'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I wrote a letter to Equal Fax to investigate a collection that is not mine, but they refused to do it. I sent them a copy of my driver 's license and utility bill, and they have 30 days to investigate it, but they failed to do it and sent me two letters demanding my social security number which isn't required by law to investigate. I am failing a complaint and a lawsuit against Equal Fax for not investigating the debt that isn't mine within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXXXXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing a complaint regarding an unreasonable and excessive delay in receiving a fraud-related credit balance refund on my JetBlue Barclays credit card.

I paid my account balance in full on XX/XX/XXXX. Shortly thereafter, I discovered fraudulent charges on my account. Barclays confirmed the fraud and reversed the charges, resulting in a credit balance of approximately {$1200.00} owed to me. 



Despite providing my correct New York mailing address multiple times, Barclays failed to update the address in its system. I was informed that a refund check would be issued, only to later learn that it was not processed due to Barclays internal error. As a result, the refund timeline was restarted for an additional 710 business days.

My most recent call with Barclays occurred on XX/XX/XXXX. Had I not proactively followed up, I would not have been informed of this delay. I have now waited several weeks for funds that are rightfully mine, and this delay is entirely due to Barclays internal processing failures. 



I am requesting immediate issuance of my refund via expedited delivery and written confirmation of resolution.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank Charged me over XXXX Dollars in overdraft Fees Because I'm Struggling in this world. 

Chase bank needs to consider when people are having a Hard time with life and not be Predatory with the overdraft Fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Relay Financial (US), Corp.
State: AZ

Complaint narrative:
On Friday, XX/XX/XXXX around XXXX. I called Relay Financial to let them know I recieved a business debit card in the mail and that I did not open this account. They had me email them a front/back photo of the debit card and told me they don't have any information on this account. They said they would reach back out to me, no later than Tuesday XX/XX/XXXX. It is now Thursday, XX/XX/XXXX I called them back today to get information on where they stand with this identity theft, what info they have. They refused to transfer me to their fraud department stating " They can only communicate via email '' when I asked to speak to a supervisor, the rep refused, multiple times to transfer me to anyone else who could help me. 

She told me " We need more time to investigate this '' and refused to give me anymore information. I educated the phone rep on the laws regarding identity theft and the timely nature of action to which she really didn't care. There is NO WAY to contact this company other than the XXXX phone number that came on the debit card. You can not communicate with their team over their " web chat '' unless you have an account. 

This company does not take fraud, or identity theft seriously and needs to be investigated to the fullest so they're compliant with the laws that protect XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CarMax, Inc.
State: GA

Complaint narrative:
Have disputed through credit bureaus on XX/XX/XXXX/ XX/XX/XXXX and information keeps coming back verified with no changes to credit report! 

I am filing a complaint against Carmax Auto Finance for illegal and inaccurate credit reporting following my XXXX XXXX XXXX discharge. I filed XXXX XXXX XXXX  on XX/XX/XXXX, and received a discharge on XX/XX/XXXX. Carmax Auto Finance was included in my bankruptcy filing. Despite receiving notice of the discharge, Carmax Auto Finance continues to report a balance owed ( {$11000.00} ), past-due amounts, and derogatory payment history on my credit reports. This reporting is false, misleading, and in direct violation of federal law. Under 11 U.S.C. 524 ( a ), the bankruptcy discharge operates as a permanent injunction against ANY act to collect, recover, or attempt to enforce a discharged debt. Courts have consistently held that post-discharge reporting of a balance owed constitutes impermissible collection activity because it pressures a consumer to pay a debt that was legally eliminated. Additionally, Carmax Auto Finance is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report accurate information and correct any inaccuracies after receiving notice of a dispute. I previously disputed this account with the credit bureaus, yet Carmax Auto Finance has refused to update or correct the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX  my daughter who lives in the same house sent me {$20.00} from her PayPal account to mines. The funds didnt show up in my account until XX/XX/XXXX, I always choose 5 % cash back from grocery stores. PayPal refused to release some of my grocery store rewards. By not giving me the ability to claim the rewards in my account. On XX/XX/XXXXXXXX  I was refunded by an XXXX merchant and XXXX {$90.00} while the merchant waited for the resolution of the claim they filed with XXXX. PayPal has refused to post my refund to my account. When I called PayPal the customer service supervisor said he did not see any refund from XXXX or any other company for {$90.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK
State: GA

Complaint narrative:
I deposited a government-issued check in person into a established checking account. The bank Ozk placed a 30-day hold without a compliant Regulation CC exception notice and refuses to return the check. 

I went twice today to get my check back and they refused to give it to me nor explain the reason they put a hold for 30 days. They don't want to give me a straight answer. 

I feel some kind of predigest against me/

Company response to consumer: Closed with explanation