vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
On or about XXXX XX/XX/year>, for a second time I made application ( request with orders ) to BMW Financial Services under the Louisiana Servicemember Civil Relief act capping the interest rate on a new vehicle I purchased at 6 % and asked them to refund me the money paid over 6 % in accordance with Louisiana Statute Title XXXX. BMW responded that the Louisiana SCRA law did not apply to the purchase of motor vehicles and denied my request. The law squarely applies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Formal dispute of wrongful ATM withdrawal claim. An unauthorized withdrawal in the amount of {$940.00} was made from my account at an unknown ATM location on XX/XX/ 2026. I respectfully request that the bank review all available evidence related to this transaction, including ATM surveillance etc

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I confirm that the referenced accounts were not created or authorized by me and I do not claim them. Please review carefully and remove them once confirmed. Documentation is provided.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
They charged 25 % apr on a secured loan which is more than paid off. The XXXX insurance I have will not pay the total amount owed when that was not explained to me. There was no disclosure of any high fees or any issues. They refuse to help pay when I am XXXX and will not be returning. They wont wave the Interest which is all it is at this point as the amount I borrowed is paid off. I can not afford this as Im XXXX XXXX and they wont offer any help on this insane preditory loan. No one who works there was even there when I opened the preditory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Block, Inc.
State: VA

Complaint narrative:
On Thursday, XX/XX/year>, I placed an order with XXXX for approximately {$430.00} using my Cash App card. I canceled the order the exact same day ( Thursday, XX/XX/XXXX ). XXXX successfully dropped the temporary authorization hold on their end and provided me with a Merchant Authorization Release Code to give to my bank.I contacted Cash App Support to provide this release code so they could process a manual authorization drop. Cash App XXXX explicitly refused to accept the code, falsely claimed they could not lift the hold on their end, and told me to contact the merchant again.XXXX has legally waived all claims to these funds. Cash App is wrongfully locking up nearly {$430.00} of my money and denying me access to my funds despite having explicit merchant authorization to clear the hold. I require Cash App to manually drop this pending hold immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Earlier this year, I stopped into XXXX XXXX and purchased a $ XXXXsomething tool box. When asked by the cashier if I wanted the 0 % deferred interest, I DECLINED. Well, it was applied to this purchase anyway. This is NOT the first time this has happened to me, which is why I ALWAYS ADAMANTLY DECLINE the deferred interest! To complicate things, I can not contact Citi ( XXXX means no phones! ), to fix this, nor does Citi give any options to fix this on their website. And when I contacted them via website, they told me I had to call, which, again, I CAN NOT do, because I'M XXXX ON A SUBMARINE! I am respectfully asking Citi to reverse this erroneously applied deferred interest/promotional rate, WITHOUT penalty, as it was NOT my error, in the first place. There is a REASON I SPECIFICALLY decline promotional interest/deferred interest, in the first place! Note to Citi : my phone number tied to my account may be different than the one I provided here. The phone number you may have on file ends in XXXX, as proof of my identity. Also, I'm giving my wife 's ( authorized user on SAME account ) card number, in lieu of my own, as ours got mixed up pre-deployment.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing this complaint regarding an account listed as XXXX XXXX / XXXX showing on both my XXXX and XXXX credit reports in the amount of {$870.00}, which I do not recognize at all. I have no knowledge of this account, no prior relationship with this creditor, and I am completely unaware of where this balance is coming from. What makes this even more concerning is that I do not have any collections or charge-off accounts on my credit reportmy history does not reflect that type of activity. While there may be an occasional late payment that I can acknowledge, having a collection or charge-off suddenly appear like this is completely inaccurate and extremely damaging to my credit profile. This feels like a serious violation of my rights as a consumer, and it is honestly an insult to my financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I became aware of these accounts after reviewing my credit report. I did not authorize, sign for, or knowingly benefit from any lease, rental agreement, or related charges associated with these accounts. These accounts were opened and/or used fraudulently without my knowledge or consent. After discovering the issue, I began disputing the accounts and requesting an investigation into the fraudulent activity. I am requesting that these accounts be removed from my credit report immediately and that all collection activity cease while the identity theft investigation is being conducted. These accounts are inaccurate and are being reported as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax RE : Formal Dispute and Request for Proper Reinvestigation To Whom It May Concern : I am writing to formally dispute the accuracy and reporting of the following account on my XXXX credit report : Creditors XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$760.00} XXXX {$2600.00} This account was previously removed from my XXXX credit report following a dispute and investigation. However, XXXX continues to report the account despite ongoing concerns regarding the accuracy and verifiable documentation supporting the reporting. I have disputed this account multiple times, yet I have never received sufficient documentation or evidence demonstrating that a proper and reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). I am concerned that the account may be repeatedly verified through automated procedures without a meaningful review of the underlying records or supporting documentation. Additionally, there have been public legal allegations and consumer complaints involving credit reporting investigations that failed to meet FCRA standards for reasonable verification procedures. Given these concerns, I am requesting that XXXX conduct a thorough reinvestigation of this account and provide the following : The method of verification used The name and contact information of the furnisher that verified the account Copies of any documentation relied upon during the investigation Documentation proving the balance is accurate Documentation establishing XXXX XXXX legal authority to collect and report the alleged debt Verification of the original creditor and date of first delinquency > Bill of sales with signatures If Equifax can not fully verify the accuracy and completeness of this account through a reasonable investigation compliant with the FCRA, I request immediate deletion of the account from my credit file. Please provide the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
I discovered that LOCKHART, MORRIS & MONTGOMERY is reporting a {$370.00} collection account connected to XXXX on my consumer credit reports. I disputed the account because the debt is not mine and because another company, LMMINC, is also reporting the exact same alleged debt tied to the same original creditor. This creates duplicate and misleading collection reporting that artificially damages my credit profile. Despite receiving notice of my dispute, the company continued reporting the account as valid and marked the account as consumer disagrees after its investigation instead of deleting the inaccurate information. The company failed to provide a signed contract or competent evidence proving I legally owe the debt. I believe the company violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by attempting to collect and report disputed and unverifiable debt information. The continued reporting of duplicate collection accounts associated with the same alleged XXXX debt is inaccurate, misleading, and unfair to consumers. I am requesting immediate deletion of the collection account from all consumer reporting agencies and written confirmation that the account will not be reinserted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Calls many times a day and also from unknown phone numbers as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Failure to Block Fraudulent Account and Continued Reporting After Identity Theft I am submitting this complaint regarding XXXX failure to properly investigate and block a fraudulent account resulting from identity theft, despite receiving notice and supporting documentation. I do not recognize this account and have no knowledge of opening or using it. I have lived in XXXX for several years and was not residing in the United States during the period associated with this alleged account activity. The account is the result of identity theft. I previously notified XXXX that this account was fraudulent and requested that the account be blocked and removed pursuant to the Fair Credit Reporting Act ( FCRA ), including the identity theft provisions under 15 U.S.C. 1681c-2 and related investigation obligations. Despite my disputes and identity theft claims, XXXX failed to : * conduct a reasonable investigation, * block the fraudulent information, * cease reporting the account, * or provide competent evidence that I opened or benefited from the account. In addition, a related court case involving this alleged debt was dismissed. Despite the dismissal and the unresolved identity theft issues, XXXX continues its improper reporting and collection activity. This ongoing reporting is causing significant harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: American Credit Acceptance, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX West Virginia XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Formal Complaint and Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this complaint regarding inaccurate, misleading, and/or unverifiable information being reported by XX/XX/XXXX and/or XXXX Warning Services on my consumer report. The reporting agency and/or furnisher has reported negative banking information connected to my name, including allegations related to suspected fraud and account closure activity. I dispute the accuracy, completeness, and verifiability of this information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX and XXXX ( b ). The information being reported has caused me substantial harm, including denial of banking services and damage to my consumer reputation. I formally request the following : XXXX. A complete reinvestigation of all disputed information being reported under my name and Social Security number. XXXX. Validation and verification of the alleged account ( XXXX ), including : - Original account applications and signatures - Complete account statements - Documentation proving I authorized the account activity - Method of verification used during the investigation - The identity of the furnisher that supplied the information XXXX. Verification that the reporting agency complied with all reasonable procedures to ensure maximum possible accuracy under FCRA XXXX ( b ). XXXX. Immediate deletion of any information that : - can not be fully verified,- is incomplete, - inaccurate, - misleading, - or fails to meet FCRA reporting standards. XXXX. Written confirmation of the investigation results and copies of all documents relied upon during the investigation. If the reporting agency or furnisher can not provide competent evidence verifying the disputed information, I request immediate removal of the account and all related negative reporting from my consumer file. Please also note that reporting unverifiable or inaccurate information after notice of dispute may constitute a violation of federal law. I am requesting that the CFPB assist in ensuring compliance with the Fair Credit Reporting Act and investigate this matter accordingly. Attached are copies of : - My identification - Proof of address - A copy of my consumer report - Any supporting documents relevant to this dispute Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this complaint has been investigated and resolved. Sincerely, XX/XX/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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
On XX/XX/XXXX I XXXX my daughter XXXX {$180.00}. Unfortunately she wasn't able to get the information cause her phone totally shut down. She tried to get it from her email but she didn't remember her password. She tried XXXX but she didn't remember her password. So I filed a dispute with my bank. Then I called XXXX and I spoke to an agent name XXXX. She said that I need to cancel the dispute with my bank first. Once I do that I can get my refund. So the dispute was cancelled on XXXX XXXX. I filed the dispute on XX/XX/year>. Everything was sent back to XXXX including the {$180.00}. Confirmation number XXXX. I called XXXX so many times and every agent had something different to tell me. Dates I called. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and 4 times in XXXX I don't have the dates for these calls. I have the agents names. XXXX, XXXX, XXXX, XXXX. Which they all told me different stories. These are names that I spoke to in XXXX. XXXX, XXXX, XXXX, XXXX spoke to someone yesterday XX/XX/XXXX couldn't understand his name for he has a heavy accent. I'm still fighting XXXX for my refund. They left me no choice but to file a claim with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
For a second time, on XXXX XX/XX/year> we applied to have the interest rate on our mortgage note/loan capped at 6 % in accordance with the Louisiana Service Member Civil Relief Act ( SCRA ) Louisiana Statute Title 29:312. Additionally, we are entitled to have money paid in excess of 6 % refunded. We made the request and provided required orders. Veteran 's United Home Loans responded again denying our request claiming that the law does not apply to mortgages. We reached out to the Louisiana Attorney General 's Office, and they refuse to assist claiming this is a personal 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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My XXXX XXXX account ( has always been AP ) was switching over to Citibank Master Card. Was told transparent to customer and was told on numerous occasions by phone to keep using my XXXX XXXX card until I receive new ones. Still have not received new Citi Bank cards and I still have not been able to set up an online account with Citibank. I need to talk to someone ( other than in Call Center to get straight answer ). I was told by Citibank that they were aware of issues with the customers coming over from XXXX. I keep getting told cards will be there in 2 weeks, but that 2 weeks keeps passing by. XXXX Spoke to XXXX at call center. Told him I would pay {$4300.00}. He took information over phone ( informed no receipt could be sent to me ). Checked on XXXX and XXXX had only took out of my account {$43.00}. XXXX Certified letter sent to Citibank ( XXXX XXXX Texas ) about my issues. Received email today ( even though I was told they could not send me anything ) that I should be able to now set up profile as well as enroll in Auto Pay. Still can't get in. Also sent a note via ask @ citibank.com but no one has responded to me XXXX Received 1st statement in mail from Citibank. Noticed there was a {$96.00} interest charge. Caled Citibank/Paid them $ XXXX told no receipt could be sent via email or US mail ) as I still can't pay online. According to XXXX, he said they will remove the {$96.00} off my account but I need to make sure this is going to be done. iill

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I am filing a complaint regarding Capital One Spark XXXX XXXX Business account ending in XXXX. This account had been dormant for years with a XXXX balance and no active usage. I no longer possessed a physical card and was unaware the account remained open. In XX/XX/year>, Capital One assessed a {$150.00} annual membership fee against the inactive account despite no purchases, spending activity, or use of account services. All subsequent balances and penalties arose solely from that annual fee and automated late charges. Upon discovering the issue, I immediately contacted Capital One and closed the account. Despite this, Capital One representatives have refused to reverse : the annual membership fee, subsequent late fees, and any associated derogatory reporting risk. This dispute concerns a fee-generated balance on an unused dormant account rather than unpaid spending or active credit usage. I maintain multiple additional Capital One relationships and attempted in good faith to resolve this directly prior to filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved XXXX transaction through Bank of America. On XXXX, I sent a {$60.00} XXXX payment to a recipient I had successfully paid before. The transaction was completed on XX/XX/year> but later placed under review due to an OFAC screening issue. However, it has now been 17 days with no resolution, no timeline, and no meaningful updates from Bank of America or XXXX. Importantly, I was later able to successfully send another XXXX payment, suggesting that my account and the recipients account are not generally blocked or frozen. This appears to be an isolated transaction being indefinitely delayed without transparency or 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