vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened this account last week with ally bank but they decided to close my account for no reason and not giving me an information about it. They say it was being close.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide Certified Mail with receipt displaying my signature If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: TN

Complaint narrative:
I purchased a vehicle from Carvana on XX/XX/2026. During the financing process, I was informed the monthly payment would be approximately {$790.00}. After completing the agreement, I was informed the payment would be approximately {$810.00} due to a condition related to automatic payments. This structure was not clearly presented to me prior to signing, and the signed contract does not reference automatic payments or any related terms. I was not provided clear disclosure of how this affected the final payment or APR before completing the transaction. In addition, I have been unable to identify the actual creditor for this loan. During multiple communications, XXXX representatives stated by phone that they were the lender. However, in a letter dated XX/XX/2026, XXXX identified itself only as a loan servicer for Carvana LLC, also servicing in the name of XXXX XXXX ( XXXX XXXX ). This letter does not identify the actual creditor, confirm who funded the transaction, or provide any assignment documentation. I requested documentation identifying the creditor, proof of funding, and any assignment of the contract, but the only document provided has been a copy of the contract, which does not establish creditor identity or ownership of the loan. Because of these issues, I am unable to determine who holds the legal right to enforce this loan, and I have concerns that the financing terms were not clearly disclosed prior to execution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
We made a purchase that needed to be refunded for {$280.00} on a closed account. The first person says the money will be held in limbo and we essentially lost it, the second person a supervisor XXXX, essentially parroted the same thing. The entire time we have worked with this company they have refused to acknowledge any federal laws are usually held to. The statement given by the company issuing the refund was : " '' A refund can be issued to a cancelled credit card. Even after you close an account or receive a replacement card, the issuing bank keeps your account records on file and can still receive incoming credits tied to your old card number. Federal law requires the bank to credit that balance to your account and return the money to you upon request typically by check, direct deposit, or transfer to another account you hold at the same institution. Replaced Cards and Closed Accounts Work Differently If your card was replaced because it was lost, stolen, or expired, your underlying account with the bank usually stays open. The old card number is deactivated, but the issuer links your new card to the same account. A refund sent to the old number routes to your account automatically, and you should see the credit reflected on a future statement with no extra steps needed. '' You can see clearly that in the XXXX Core Rules that they state " Per XXXX operating regulations, issuers are required to process credits tied to original transactions and return funds to the cardholder even if the account is closed. This bank is once again attempting to steal money from its customers and no one is doing anything to prohibit this type of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into the bank on XX/XX/2026 to cash two money orders 1. XXXX from XXXX the other from Chase for XXXX. I requested to cash both money orders. The teller ( XXXX ) did otherwise and deposited the money orders and gave me the XXXX out my account. I left Chase Bank assuming she did what was asked. Upon checking my account a hour or two later I realized XXXX the bank teller had deposited the money orders and withdraw my current funds out my checking account which was not what I asked her todo. I returned to the bank to have them correct the error and speak with the brach manager to rectify the issue and was immediately escorted out. Later that day I called Chase to file a complaint. I spoke with Chase supervisor Chass who provided me with a complaint number as follows XXXX. I asked Chass to include the video and audio surveillance be requested and a follow up on the complaint as well. On XX/XX/2026 I received a text saying all Chase accounts as follows are being closed XXXX XXXX XXXX school checking XXXX XXXX banking accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
On XX/XX/year> I was contacted by Aldous & Associates for the amount of {$270.00} which was supposedly posted by my previous apartments XXXX XXXX XXXX XXXX XXXX. However on XX/XX/year> I paid in person with a cashiers check for this amount owed. After contacting XXXX XXXX XXXX XXXX they mentioned not being affiliated with Aldous & Associates. This sounds fraudulent. Aldous also emailed me under the subject and XXXX XXXX XXXX to mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the denial of a promotional bonus offer for my Capital One debit account. Account Details : 360 checking acct number XXXX Account Opening Date : XX/XX/XXXX Promotional Offer : Capital One Bank Debit {$250.00} Bonus ( XXXX XXXX XXXX ) Issue Summary : I completed all requirements to qualify for the promotional bonus. Specifically, I made 21 debit card purchases over {$10.00}, with 8 of these purchases completed on XX/XX/XXXX, well within the 75 day timeline to complete the requirements. All transactions were made within the required timeframe ( XX/XX/XXXX ) to satisfy the bonus eligibility criteria. However, my Capital One account statement reflects these transactions as posted on XX/XX/XXXX two days after the purchases were actually made. Capital One representatives have stated that the " posted date '' is what determines eligibility, not the actual purchase date. This policy is not disclosed in the promotional terms and conditions. Complaint : Lack of Transparency : The terms of the promotional offer do not state that the posted date ( rather than the purchase date ) would be used to determine eligibility. Unfair Denial of Bonus : I completed all purchases within the required timeframe, and the delay in posting is not within my control as the consumer. Customer Service Inadequacy : Despite multiple phone calls with Capital One agents, the issue has not been resolved, and I have been given only technical explanations without consideration for the fairness of the policy. I have attached screenshots of all transaction proofs demonstrating that purchases were made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am submitting this complaint regarding private student loans serviced by Sallie Mae that were taken out during my XXXX studies at the XXXX XXXX XXXX. I recently graduated from XXXX XXXX XXXX XXXX XXXX and sat for the XX/XX/2026 XXXX XXXX. I am currently in the process of seeking employment, but I have not yet secured stable income. As a result, I am experiencing a temporary but significant financial hardship during this transition period from graduation to employment. Despite making good-faith efforts to communicate with Sallie Mae about my situation and explore repayment options, I do not believe I have been provided with reasonable or workable alternatives that reflect my current financial reality. The repayment expectations appear to require immediate payments at a level that I can not meet at this time, and the options presented have not provided sufficient flexibility or a meaningful transition period. My concern is that I am being placed in a position where, despite acting proactively and attempting to address the issue early, I may be forced into delinquency or default. This would result in significant and long-term harm to my credit and financial stability. I am specifically trying to avoid that outcome by seeking assistance before any negative reporting occurs. I am not refusing to repay my loans. I am requesting a reasonable opportunity to stabilize my financial situation and begin repayment under terms that are aligned with my current ability to pay. In addition, a source of potential financial support that may have previously been available is no longer viable. My father is XXXX XXXX XXXX and is currently experiencing significant XXXX decline consistent with XXXX, and he is no longer in a position to provide any financial assistance. This has further limited my ability to manage repayment during this transition period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Formal Complaint Unauthorized Wire Transfer I am filing this complaint regarding an unauthorized wire transfer in the amount of {$6900.00} from my daughters Wells Fargo account on XX/XX/year>. The fraudulent activity was reported immediately on XX/XX/year>, and a claim ( No. XXXX ) was opened. However, the claim was denied the following day without a reasonable or thorough investigation. Wells Fargo states that the transaction complied with security procedures. However, they have not provided evidence that the account holder actually authorized the transaction. The activity logs provided by Wells Fargo show that the login and subsequent transactions originated from an IP address and location in XXXX XXXX, XXXX. The account holder confirms she was NOT in that location at the time. This indicates unauthorized access to the account. Immediately after login, multiple money movement activities occurred, including wire transfers and other transactions. This pattern is consistent with account takeover fraud. Additionally, Wells Fargo acknowledged a lost or stolen situation, indicating possible fraud, yet still denied the claim. The bank also referenced unrelated transactions totaling {$48000.00} from a separate claim, creating confusion and raising concerns about the accuracy of their investigation. Furthermore, the bank stated that funds could not be recovered from the receiving account. This does not determine whether the transaction was authorized and should not be used as justification for denial. Requested Resolution : - Full reinvestigation of the claim - Documentation of authentication ( IP, device, location ) - Explanation of how authorization was determined - Reimbursement of {$6900.00} Timeline : - XX/XX/year> : Unauthorized login occurred - XX/XX/year> : Fraud reported - XX/XX/year> : Wire completed - XX/XX/year> : Claim denied

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TX

Complaint narrative:
I am an XXXX XXXX military member of the United States XXXX XXXX. I have 100 % on-time payments across all my accounts. My credit report shows a late balance on my sole Bank of America credit card. I have NEVER missed a payment and I have automatic payments set up on all my accounts. When I called Bank of America, they said it was turned off. I would never have a reason to turn it off and I did not. I immediately paid the balance AND the late fee. This is a mistake and I believe Bank of America turned off my autopay or a system glitch must have transpired. I want this scrubbed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am in a formal hardship repayment program with XXXX XXXX XXXX Account # ending in XXXX ). Per our written agreement dated XX/XX/year>, I have caught up on all past-due amounts and am currently enrolled in an autopay program to pay off the remaining balance. Despite being current according to the terms of this agreement, Comenity Bank continues to report this account to the credit bureaus as XXXX days past due. ' This is factually inaccurate. I have contacted the company multiple times via their secure messaging portal to request a manual update, but I have only received automated form replies that do not address the issue. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. This reporting error is causing severe damage to my XXXX XXXX and preventing me from qualifying for a loan to consolidate my debts. I have already tried to resolve this directly with the company, and they have failed to act. '' What is a fair resolution? " I request that Comenity Bank immediately update my status with all credit bureaus to show 'Current ' or 'Paid as Agreed ' per our hardship contract. I also request that a digital 'Letter of Accuracy ' or XXXX XXXX ' be uploaded to this portal so I can provide immediate proof of this correction to my lender. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding ongoing issues with my mortgage servicer involving suspected servicing errors, improper charges, and potential violations of federal lending laws. I identified discrepancies in how my mortgage account has been handled, including inaccurate charges and/or misapplication of payments. As a result, I sent a formal written demand/notice to the company requesting investigation and correction of these issues. That notice was sent recently, and I am currently awaiting a proper response. Despite raising these concerns, I am worried that the company may proceed with adverse actions, including initiating foreclosure proceedings, before resolving the disputed issues. This creates an urgent situation because the harm from foreclosure would be severe and irreversible. The issues appear to involve potential violations of federal mortgage servicing and lending requirements, including failure to properly account for payments and failure to adequately respond to a borrower dispute. I am requesting that the company : 1. Conduct a full investigation of the account and correct any errors. 2. Provide a complete and accurate accounting of all payments, fees, and charges. 3. Confirm in writing that no foreclosure or collection activity will occur while this dispute is under review. 4. Remove any improper fees or charges and correct any negative reporting related to these issues. These unresolved issues have caused significant stress and uncertainty, and I am seeking prompt resolution and compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
A fraudulent Affirm account appears on my credit report related to a XXXX purchase ( XXXX financing ) that I did not authorize. I did not open, approve, or complete this transaction. I discovered this account when reviewing my credit report and noticed it contained inaccurate information and negative payment history. I have already filed an FTC Identity Theft Report regarding this matter. I am requesting a full investigation and verification of this account. If it can not be proven that I authorized and opened this account, I am requesting that it be permanently removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, a XXXX XXXX account was opened fraudulently in my name without my knowledge or consent. I have been a XXXX customer for over 20 years under a family plan. XXXXXXXX XXXX own representative confirmed this account was fraudulent and made no sense given my existing family plan history. Despite acknowledging the fraud, XXXX wrote off the account, sold it to Jefferson Capital Systems, and then refused to intervene or correct the reporting. They instructed me to deal with the debt collector myself. This fraudulent {$1900.00} collection appeared on my credit report during an active home refinance on XX/XX/XXXX, causing direct and measurable financial harm. XXXX acknowledged the fraud, profited by selling it, and then abandoned a 20 year customer to clean up their mess. I have filed FTC Identity Theft Report number XXXX and disputed this account with all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates and their continued reporting of a collection account on my consumer credit reports. On or about XX/XX/year>, I disputed this account and requested verification of the alleged debt, including documentation establishing their legal authority to collect, the chain of assignment from the original creditor, and an itemization of the balance. To date, I have not received adequate documentation verifying the accuracy of this account or Portfolio Recovery Associates legal ownership of the alleged debt. Despite this, the account continues to be reported on my credit reports. As a debt buyer, Portfolio Recovery Associates is required to maintain sufficient documentation to substantiate the debt and ensure that the information they furnish to consumer reporting agencies is accurate and complete. Their continued reporting of this account without providing proper verification raises serious concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including the obligation to report accurate information and avoid misleading representations. Additionally, I have already filed a complaint with the California Department of Financial Protection and Innovation regarding this matter, and the issue remains unresolved. I am requesting that this matter be investigated and that Portfolio Recovery Associates be required to either : 1. Provide proper documentation verifying the accuracy of this account and their legal right to collect, or 2. Remove the account from all consumer credit reporting agencies if it can not be properly substantiated. The continued reporting of this unverified account is negatively affecting my credit profile and my ability to obtain credit. I request that this matter be addressed promptly.

Company response to consumer: Closed with explanation