vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Failure to Verify Alleged Debt FCRA XXXX ( b ) Product : Debt collection / Credit reporting Issue : Attempt to collect or report debt not properly verified Company : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What happened? 

The companies listed above are furnishing negative and/or material account data to consumer reporting agencies without providing lawful verification of the alleged debts, in violation of 15 U.S.C. 1681s-2 ( b ).

The following balances are being reported without proof of a valid contractual obligation or complete chain of custody : XXXX XXXX XXXX {$690.00} XXXX XXXX {$7800.00} XXXX XXXX {$2200.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$1100.00} These companies have failed to provide : A contract bearing my signature Proof of legal assignment or ownership Evidence of a reasonable investigation Continued reporting of unverified data constitutes unlawful furnishing under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was scammed by XXXX individuals on XX/XX/year>, who charged my Bank of America credit card {$1000.00} to a random merchant account ( unable to trace " XXXX  '' in XXXX, WA ) when I was trying to donate {$10.00} to them personally. Bank of America was unable to help me resolve this issue ; they XXXX ) didn't detect fraud when the transaction occurred, XXXX ) weren't able to help when I immediately notified them while the transaction was pending ( this is normal ), XXXX ) didn't help when I disputed the claim. I called several times and went in-person to a branch in XXXX, WA. The call support agents said I needed a receipt, but the scammers ran away and of course didn't provide a receipt. The banker tried calling support on my behalf, but after XXXX on hold, told me to go call them myself. I have filed a police report, but have not received a response.

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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
In approximately XX/XX/XXXX, I signed up for a membership at XXXX XXXX ( XXXX ) via a targeted XXXX advertisement promising XXXXXXXX XXXX access, various amenities, and a low monthly rate with no mention of additional fees or restrictions. 
Upon signup ( using XXXX XXXX XXXX portal ) : Staff could not assist with app login/password reset despite having my account details. 
I was only issued a keycard usable during staffed hours ( approximately XXXX ), not XXXX access as advertised. 

In the second month, an undisclosed annual/maintenance fee of nearly {$100.00} was charged, never mentioned in the ad or signup materials. 
Shortly after XX/XX/XXXX, I relocated temporarily to XXXXXXXX XXXX for work ( approximately XXXX miles away, no XXXX XXXX locations nearby ). I attempted to cancel multiple times : Multiple phone calls went unanswered or unhelpful. 
In-person visit to the XXXX location XXXX XXXX refused cancellation without specific proof ( XXXX XXXX XXXX ) and stated I would be charged an additional full month despite no access or nearby locations. 

Eventually, a cancellation confirmation was provided acknowledging a significantly lower balance ( around {$65.00} ) at that time. 
Now, XXXX collector Aldous & Associates is attempting to collect XXXX XXXXXXXX than the prior acknowledged amount, with no explanation for the increase or itemization. This includes potentially invalid fees/charges from undisclosed terms, service failures ( no promised XXXX access ), and improper cancellation handling despite relocation qualifying under XXXX XXXX XXXXXXXX rules. 
I formally disputed the entire debt and amount in writing ( sent certified mail on XX/XX/XXXX ) to Aldous & Associates, demanding validation under the Fair Debt Collection Practices Act, including proof of disclosed fees, itemized charges, and cancellation documentation. No validation provided yet ; collection continues. 
The XXXX XXXX misleading advertising, undisclosed fees, failure to deliver services, and cancellation obstruction make this debt invalid/inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I subscribed to XXXX internet service. Due to poor service quality, I cancelled after less than one month, returned all equipment, and paid my final bill in full. I have documentation : auto-payment enrollment confirmation and XX/XX/XXXX statement showing {$0.00} balance. 

In XX/XX/XXXX, while applying for a loan, I discovered a {$94.00} collection on my credit report from AmSher Collections related to this account. This collection has lowered my credit score and is forcing me to pay higher interest rates on financing. 

I contacted XXXX multiple times in XX/XX/XXXX and escalated to management. They told me they do not have detailed account records from 5 years ago to verify the debt, but they claim the debt is valid and will not help remove the collection. 

Because I urgently needed to proceed with my loan, I contacted AmSher Collections and said I was willing to pay the {$94.00} ( even though I don't owe it ) just to clear my credit report. The collection agency told me that even if I pay, they will only mark it as " paid '' but will NOT remove it from my credit report. 

When I spoke with XXXX, they seemed uninterested in being involved or helping resolve this matter. 

The collection remains on my credit report, damaging my score and costing me real money in higher interest rates. I have proof I paid everything, but XXXX does not maintain adequate records and refuses to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I timely disputed the above-referenced debt and requested verification pursuant to XXXX XXXX. XXXX ( b ). 

Resurgent Capital Services responded by mailing an Account XXXX Report dated XX/XX/year>. The document explicitly states : This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. 

This admission confirms the document is not an original creditor record and does not constitute legally sufficient verification. No original creditor billing statements, signed agreement, cardholder contract, or chain of assignment were provided. 

I notified the company in writing that the verification was insufficient. More than XXXX  days have passed since receipt of my dispute and LVNV Funding LLC XXXX Resurgent Capital Services continues to report this account to the credit bureaus. 

Continued reporting after a dispute without proper verification constitutes continued collection activity in violation of XXXX XXXX. XXXX ( b ). Furnishing information that can not be substantiated after a dispute also violates XXXX XXXX. XXXX ( b ). 

I am requesting deletion of the tradeline or production of legally sufficient verification from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Product : Checking or savings account Issue : Managing an account Company : Bank of America Related Case : CFPB Case # XXXX Complaint Text : This complaint is related to CFPB Case # XXXX. The banks response was incomplete and did not address the core issues. I am submitting a new complaint with supporting documents. 

In XXXX, my father executed a Durable Power of Attorney naming all XXXX children as co-agents who must act together. Bank of America accepted a POA XXXX  signed by only one person and did not apply the actual DPOA terms. 

In XX/XX/XXXX, a new signature card was created adding that same person as a joint owner with rights of survivorship. This change removed the account from the estate and directly benefited the agent. The card does not reference the POA, does not include signatures from the other co-agents, and contradicts the DPOA restrictions. 

Medical records from XXXX show my father had severe XXXX, lived in a XXXX facility, and could not have appeared in a branch or signed documents. The signature on the XXXX card does not match his known signatures. 

The banks prior response did not address the POA conflict, the ownership change, the signature verification, or the capacity issue. I am requesting a full investigation into : How the POA was accepted Who authorized the XXXX ownership change Whether the signature was verified Whether my father had capacity at the time I am attaching the following documents : XXXX Durable Power of Attorney XXXX BOA POA XXXX  XXXX XXXX XXXX XXXXXXXX Medical Records Will ( XXXX ) Please confirm receipt and escalate this for full review. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX, Executor of the Estate of XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX Primary : XXXX Secondary : 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 2026-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I just opened up bank of america credit card and received it right away with XXXX dollar credit. I have excellent credit for the past 10years. More then 10 years i was a victim of identity theft. 
When I opened up the new account with BOA I never had them on any of my credit report or score. But when I opened up the APP. for BOA the new account, there was another account there showing it was CLOSED SINCE 2016  with outstanding balance of XXXX dollars. Witch I couldn't understand why there was two different accounts on the APP. SO I contacted BOA about the issue. I never had that account that was closed in 2016. BoA told me that the account shows that it's fraudulent. I want this off my name asap. I didn't open any other credit card account with BOA. This isn't even on my credit report. So why is it attachment to my name. Why would BOA give me a credit card when there's a balance from 2016 for a credit card that was opened fraudulently.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Unauthorized Credit Inquiries No Permissible Purpose ( 15 U.S.C. 1681b ) Product : Credit reporting Issue : Credit inquiry without authorization Company : Equifax , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

What happened? 
My credit report reflects multiple account review and consumer report inquiries without clear evidence of a permissible purpose as required by 15 U.S.C. 1681b. 

These inquiries include, but are not limited to : XXXX XXXX XXXX XXXX. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

No written authorization, active application, or lawful purpose has been disclosed to justify these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During the XXXX XXXX, Bank of America , N.A . took adverse action on my account by [ insert : restricting/ freezing/ offsetting/ closing my account ], which deprived me of access to funds required for basic living expenses. This action occurred without clear notice, adequate explanation, or a meaningful opportunity to resolve the issue during a federally declared emergency. 

Despite repeated good-faith attempts to obtain assistance and clarification, Bank of America failed to provide timely or transparent resolution. As a result of the banks actions and inaction, I experienced severe and cascading financial harm that fundamentally destabilized my life and family. 

Specifically, I lost my home to foreclosure, my vehicle was repossessed, and due to housing and financial instability my minor son was forced to live with other family members. These outcomes were not isolated events but direct consequences of the sudden loss of access to funds and the absence of reasonable accommodation during pandemic-related hardship. 

The documented financial harm exceeds {$380000.00}, supported by records in my possession. This amount reflects housing loss, vehicle loss, lost income, fees, penalties, and long-term financial damage. It does not fully capture the non-economic impact, including the loss of stability, dignity, and the ability to function as a parent during a critical period. 

In an effort to address these losses, Bank of America initiated a remediation process through its third-party administrator, XXXX XXXX XXXX However, this process has been incomplete and procedurally restrictive. I have received three separate payments totaling approximately {$8000.00}, issued without transparency regarding how the amounts were calculated or what claims they were intended to resolve. More importantly, I have not been permitted to submit all relevant documentation supporting the full extent of my losses, making meaningful participation in the remediation process impossible. 

Nearly five years have now passed since the underlying conduct occurred, yet this matter remains unresolved. The prolonged delay, partial payments, and refusal to accept complete documentation have compounded the original harm rather than remedied it. 

I respectfully request that the Office of the Comptroller of the Currency review Bank of Americas pandemic-era account actions, its compliance with applicable consumer protection obligations, and its oversight of the remediation process administered by XXXX XXXX XXXX I am seeking regulatory intervention to ensure acceptance of complete documentation, transparency in remediation calculations, accountability, and appropriate remediation consistent with the documented harm.

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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am disputing lease-end charges assessed by BMW Financial Services on a 36-month vehicle lease that ended on XX/XX/year>. 
The vehicle was returned on XX/XX/year> with XXXX miles, well below the XXXX allowance. BMW assessed excess wear charges, including {$900.00} for three tire replacements and {$600.00} for a windshield crack. 
I disputed these charges in writing. After review, BMW acknowledged inspection issues and waived the windshield charge. However, BMW continues to insist the tire charges are valid based solely on a tread-depth threshold, without addressing whether the condition of the tires is reasonable or consistent with expected durability given the vehicles exceptionally low mileage. 
I am not disputing that the tires may have met BMWs stated tread-depth threshold at return. Rather, I am disputing the attribution of responsibility for early tire wear to the consumer when the vehicle was used lightly and within normal driving conditions. 
BMW has not addressed whether the original equipment tires supplied with a new BMW vehicle are reasonably durable and suitable for normal consumer use over a standard lease term, nor has it explained why tire wear occurring at such low mileage should be attributed to the lessee rather than treated as normal wear. 
Despite my continued dispute and documentation, BMW has responded with repeated letters and a settlement demand of {$820.00}, without addressing the reasonableness of the charge or the unusually low mileage. BMW had already reversed part of the original assessment yet refuses to reconsider the tire charges under the same review standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: WI

Complaint narrative:
So I switched the payment account in Brigits app before the due date of XX/XX/XXXX and they still withdrew from my old checking account. That withdrawal on XX/XX/XXXX generated a NSF in my old checking account and Brigit wont reimburse me for their oversight. I asked to chat with a manager and not only was I discouraged from doing so but that was on XX/XX/XXXX and today is XX/XX/XXXX. Also, Brigit charged me {$8.00} for their subscription for which I didnt signed up. Customer service only refunded one {$8.00} subscription ( which made it to my new account on XX/XX/XXXX ) not two refunds like the rep promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for and was approved for a hardship-based mortgage loan assumption related to my divorce. JPMorgan Chase Bank , N.A . accepted my application, collected documentation, disclosed fees, and represented that the process would be completed within approximately three months, later extended to six months.

Despite approval, Chase has failed to complete the assumption or provide a clear written determination. Since XX/XX/XXXX, I have experienced prolonged and excessive delays, inconsistent and contradictory explanations from different representatives, statements that no individual loan officer is assigned and representatives can only make notes, broken promises of call-backs, and inability to obtain a written status update or final decision. 

On XX/XX/XXXX, I sent JPMorgan Chase Bank , N.A . a formal 10-day demand for written determination regarding my approved hardship-based loan assumption. A copy of the demand letter and proof of transmission are attached. As of the date of this complaint, no substantive response has been received. 

I am requesting CFPB review due to prolonged servicing delay, inconsistent communications, and failure to issue a written determination following approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Constant calling for 2 different accounts. 1. {$710.00} and 2. {$50.00} I requested multiple times for payment arrangement and to close the account but they didnt help and are constantly contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
At XXXX XXXX  on XX/XX/year> I was contacted by someone spoofing XXXX XXXX XXXX. They mentioned my name and the last four numbers of my debit card and asked if I had verified purchases from a XXXX XXXX from XXXX. I said no, I did not approve of these purchases. He then sent me a verification code to access my XXXX XXXX account. We looked over my purchase history and he claimed a scammer had taken out {$1500.00} from my XXXX debit card to use on a Paypal loan. He told me to settle the loan I would need to set up a Paypal Debit Card, add {$1700.00} to my balance and send it to " XXXX XXXX '', a Paypal representative. I forwarded the money via my Checking account in error, which he claimed Paypal support would fix, then had me send the payment over by balance instead to a " XXXX XXXX '', a " Paypal supervisor ''. When I asked him to look over more payments, he hung up the call. 

I am now in {$3500.00} with these people. I have contacted XXXX XXXX and Paypal to dispute the charges but so far they have been unhelpful. I have audio of the second half of the call where they ask me to resend the money. It's currently XXXX MB so I can't upload it here, but if you email me I will send it over. I also have XXXX XXXX ' email address. It is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I authorized a paypal payment but within some hours realized it was a scam. I immediately called my bank and requested a stop payment. Then I called paypal and told them the payment involved a scam and that the bank had put a stop payment on it. Two days later, in spite of having that information, paypal managed to avoid the stop payment by charging my debit card and sent my money to the scammer anyway. 
I have been arguing about this for almost 5 months and paypal uses as its defense that I authorized the transaction. I have pointed out that when I asked my bank for a stop payment and called paypal to tell them the payment was stopped because it involved fraud and a scam that it effectively UNauthorized paypal to send the payment. I revoked that authorization. 
They refuse to address both that fact that I notified them this was a scam before they took my money, and the fact that they have admitted that they knew there was a stop payment on the account, not an issue which would have legitimately allowed them to switch their withdrawal to the card.

Company response to consumer: Closed with explanation