vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was a co-signer on this auto loan during a prior marriage and was not the primary borrower. Following divorce, I did not possess, control, or benefit from the vehicle and had no practical ability to ensure payment compliance. The subsequent default reflects third-party conduct, not my credit behavior. 

I provided written notice to Bank of America months ago requesting correction or cessation of continued monthly charge-off reporting and clarification of reporting accuracy given my co-signer status and loss of control. No substantive response or corrective action was provided. 

Despite the absence of control over the default and prior notice, Bank of America continues to update the tradeline monthly as a charge-off. This ongoing reporting materially misattributes risk and creates a misleading impression of my credit behavior. 

The continued reporting is causing concrete harm, including impairing my ability to secure housing appropriate to my medical condition. I am rated 100 % permanently and totally XXXX, and access to suitable housing is not discretionary. I am requesting that Bank of America cease monthly charge-off updates and correct or suppress the tradeline to accurately reflect the circumstances.

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 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I tried to add my prepaid AMEX gift card to XXXX and it got declined. XXXX doesnt accept AMEX XXXX a payment type so I have to add it to XXXX XXXX then use it on XXXX and I cant even add it to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Stellantis Financial Services US Corp.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Stellantis Financial Services to initiate a voluntary repossession of my leased vehicle. I was told that a representative would follow up to schedule the pickup. No one ever did. 

Weeks later, I was still being billed for a new month, even though the vehicle remained parked and fully available for surrender before the billing cycle should have began. I contacted Stellantis again. My mother, who is also a co-signer on the loan, called to follow up and was treated in an extremely unprofessional manner. The representative stated that Stellantis would " pick the car up whenever they want, '' threatened her with financial responsibility for any damage to the vehicle ( which they have refused to collect ), and hung up on her before she could respond.

I also sent a detailed follow-up email with the location of the vehicle, its condition, and a formal request for a repossession timeline and confirmation of surrender. I received no response and no information. As of today, I am still being billed monthly for a vehicle I no longer use and have tried to return in good faith.

I am requesting that Stellantis : Cease all billing immediately Retrieve the vehicle from the documented location Provide written confirmation that the vehicle was voluntarily surrendered Ensure my credit is not impacted by their delay or negligence This situation has caused significant financial and emotional XXXX. I am filing this complaint because Stellantis has failed to follow through on their own voluntary surrender process and has continued billing and issuing threats instead of resolving 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 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There were a bunch of fradulent charges from someone that was supposed to be providing accounting and bookkeeping. That person, in fact, never even logged in to the account ( I have proof and have submitted it ). So no product or service was ever provided. I alerted the credit card company back in the summer of this the day I found the fraud. They created a dispute, drug thier feet, never communicated unless I called. They told me repeatedly that I didnt need to do anything else then a see the charged come back. I called them again the next month, they said the case was closed and reopened it, again no communication unless I reached out. Credits given and taken right back with no explanation. This whole thing has happened now several times. I am always on the phone a minimum of 1-2 hours and am always initially told I dont have anything to worry about. With the latest call they now say it is past the threshhold for them to reverse. So they have strung me along wasting my time and charging me fees and interest after I have paid these fees and interest off multiple times, they keep charging me for a product/service I have never received and have disputed from day one. Meanwhile the card has a tiny limit and it maxes the card out every time which produces over credit limit fees, more interest and shows a maxxed out card on my credit bureau which negatively affects my score.

I have done everything in my power and even asked repeatedly over the months to speak with higher ups and continuously get the run around. I want my thousands of dollars back with fees and interest and I want them to block this person from continuing to access my card which they are allowing even with card number changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I enrolled in XXXX Ads under a promotional offer advertised as {$50.00} per month, which I understood and was willing to pay. I initially observed a {$50.00} charge that aligned with the promotion. 

A few weeks later, my bank notified me of a large charge of approximately {$600.00} from XXXX. This charge was automatically flagged and cancelled by my bank due to its unusually high amount. This was the first time I became aware that the charges had increased beyond the XXXX XXXX  monthly amount I authorized. 

Immediately after being notified of this charge, I contacted XXXX by phone to cancel the service. I also contacted Bank of America to dispute the charge. Bank of America informed me that the transactions were unauthorized and stated that the merchant would be blocked. 

At XXXX point, I observed that the XXXX transaction was completely removed from my account, and I was told the merchant had been blocked. Based on this, I believed the issue had been fully resolved. 

Despite this, XXXX later attempted and processed additional charges, and the total amount increased further to approximately {$680.00}, even after the cancellation and after I was told the merchant was blocked. I did not authorize these additional charges. 

I contacted Bank of America multiple times following this. The bank issued replacement debit cards and stated that merchant blocks were in place ; however, XXXX continued attempting to withdraw funds despite these actions. Im on my XXXX replacement card at this point and it becomes annoying because there are days where I cant access any money to buy anything because my card has been cancelled. I do not want a new card. 

I also contacted XXXX requesting confirmation of my cancellation date, an explanation for the post-cancellation charges, and written confirmation that billing would stop and my balance would be XXXX. I did not receive clear confirmation that billing would cease. 

I am unable to stop withdrawals from my account despite canceling the service, disputing the charges, and being told that merchant blocks were applied. I am requesting assistance to ensure the charges are permanently stopped and that all post-cancellation charges are reversed.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. 
I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX County Police Department ( XXXX # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS FOURSIGHT CA XX/XX/year> TransUnion LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company.

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported. 
DEMAND I am demanding the following actions : 1. Immediate deletion of the unauthorized inquiry listed above 2. Written confirmation that the inquiry has been permanently removed 3. No re-insertion or re-reporting of this inquiry Please be advised that this matter has also been reported to the Consumer Financial Protection Bureau ( CFPB ). Failure to comply will result in further escalation and documentation of non-compliance. 

I expect written confirmation of deletion within the timeframes required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. 

I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXXXXXX XXXX XXXX XXXX Case # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company.

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided.

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The letter that I issued to the collection company Portfolio Recovery Associates , LLC Compliance Department Re : Account # XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I hereby demand that you cease and desist from any and all communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties, regarding the above-referenced account. 

You are instructed to communicate with me only to confirm in writing that you have complied with this request, or to notify me of any specific legal action you intend to take, as permitted by law. 

Any further contact from your company that does not comply with this request will be documented and may constitute a violation of federal law. 

This notice is not an acknowledgment of liability nor an admission of any debt. 

Sincerely, XXXX XXXX ss # XXXX address : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting this complaint regarding MOHELAs failure to provide required loan documentation and failure to respond to certified correspondence related to private student loans serviced by MOHELA. 

The borrower, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  His federal student loans associated with XXXX XXXX XXXX were XXXX based on findings related to school misconduct and misrepresentation. 

The remaining loans at issue are private student loans, originally serviced by XXXX and later transferred to MOHELA. 
XXXX and servicing failures : On XX/XX/year>, a prior CFPB-related correspondence was sent regarding dismissal of these loans. 

On XX/XX/year>, certified letters were sent to MOHELA and the XXXX XXXX XXXX Attorney General formally requesting loan documentation, including : the original promissory note ( XXXX ), any school certification or school acknowledgment documents completed by XXXX XXXX XXXX, a complete disbursement history, and documentation reflecting the transfer of servicing from Navient to MOHELA. 

MOHELA has not responded to these certified requests and has not produced any of the requested documents. 

Importantly, MOHELA previously did respond to an earlier certified letter rejecting dismissal of the loans, which demonstrates that MOHELA is capable of responding to borrower correspondence but has chosen not to respond to formal document-production requests. 

As of today : MOHELA has not provided the promissory notes for the private loans, has not provided school certification documentation tying the loans to XXXX XXXX XXXX, and has not explained its failure to respond to certified correspondence. 

This raises serious concerns regarding : MOHELAs compliance with servicing obligations, its ability to substantiate its authority to collect on these loans, and whether the loans are being lawfully serviced and enforceable. 

The borrower continues to make monthly payments while MOHELA fails to produce basic loan documents that are material to the validity and enforceability of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I made multiple international money transfers through TapTap Send to a recipient in XXXX for custom wedding suits. The total amount transferred was approximately {$3800.00}. 
The recipient promised full delivery of custom-made suits with specific sizes, premium fabric, and on-time delivery by the end of XXXX. The shipment arrived late, and when I opened the parcel, I discovered that many paid-for items were missing, several items were the wrong sizes, and the fabric quality was far below what was promised. 
I contacted the recipient multiple times to resolve the issue, but he blocked all communication and refused to provide a refund, replacement, or return instructions. I then contacted TapTap Send, provided all transaction IDs, communications, and recipient details, and requested a reversal or refund. 
Initially, TapTap Send stated this was not a scam. Later, TapTap Send confirmed in writing that this was a scam, asked me to complete a fraud report, and opened a fraud investigation. TapTap Send also stated that recovery may not be possible because the recipient likely cashed out the funds immediately.

I contacted my bank and filed disputes. Although a temporary credit was issued, the situation remains unresolved. Despite confirmation that this was a fraudulent transaction, I have not received a permanent refund. 
I am requesting assistance to resolve this fraudulent international money transfer and recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
They thought it was my job that was the problem but instead we found out through the news that it was a glitch. Im a single working class that my entire check goes to rent bills loans car insurance car tickets car tolls so Im barely making it n trying to build credit is important to me so that I can afford hopefully in the near future a way out of a city XXXX that is forcing the working class out by charging us triple in rent n the govt triple in taxes leaving the middle class fending for themselves n barely making rent. I had Capital One for years n trusted their banking services but lately their having glitches. I didnt get paid n have to wait n bills are not paid n credit is threatening to lower my credit. The bank is not understanding how important it is to get their pay on time. Fees n creditors n credit agency should be contacted when banks have glitches that causes us poor working middle class to further fall into the rabbit hole. Its XXXX XXXX n usually my pay is paid on Wednesday. If they was having problems n its a holiday they should have paid us on Tuesday. My paycheck by the city agencies is always deposited by the agency on time so it is steady income. Im broke n poor and need my paycheck to survive and cover the cost of overpriced groceries, utilities, cell phones, utilities, car insurance and above all rents that no one can afford especially us the working middle class poor who are now the working class poor. Nit happy that my paycheck is not in my account on time. Bills do not wait n fees pile up, rent not paid eviction, utilities not paid shut off, insurance not paid car not insured, tickets not paid car is towed which means I lose everything. I need my money even it barely covers the high cost of living. Customers get their credit lowered when creditors are not paid the bank is not held liable. I need my money n need my bank to take responsibility n fix their problems so that us the customers do not go thru losing everything over night because we already are poor how much more will the working class have to endure to get treated with respect and valued. I valued your bank but your failing me. Need u to do the right thing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: PA

Complaint narrative:
When the company first reached out to me about the principle amount of the debt I told them i was not going to send any payments or agree to make payments on the debt until i recieved validation documenting the exact amounts on paper. Because I was not aware of the debt until contact I told them that once i recieved validation that the debt was valid for the amounts mentioned that i would negotioate the repayment with them if and only the principle and interest was validated and indisputable. 

Several times They emailed me validation documents of the debt that do no match the principle amount they are quoting me. I call them and receive calls from them and tell them that the document they sent does not match the amount they are quoting me and they do not care. 

I am willing to set up a possible plan for repayment if the principle im paying matched the documents, but they do not send me the matchcing princple or refuse to provide further documentation than what was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I have XXXX reward points that have been pending and PayPal has not released them to my account. I reached out to PayPal and receive no information back in regards to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original Creditor : XXXX XXXX Bank, XXXX. 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I hereby demand that you Cease or Desist any and all communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties, regarding the above-reference account.

You are instructed to communicate with me only to confirm in writing that you have complied with this request, or to notify me of any specific legal action you intend to take, as permitted by law. 
Any further contact from your company that does not comply with this request will be documented and may constitute a violation of federal law.

This notice is not an acknowledgment of liability nor an admission of any debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief