vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Bank of America regarding a billing dispute for my personal account ending in XXXX XX/XX/year>, I opened a claim ( Claim ID : XXXX ) for an unauthorized transaction in the amount of {$9600.00}. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ), a financial institution is required to investigate a reported error and provide a provisional credit within 10 business days if the investigation is not yet complete. As of today, more than 10 business days have passed since the claim was initiated. No provisional credit was ever issued. Furthermore, when I reached out via phone to inquire about the status after the 10-day window had closed, a Bank of America representative explicitly stated that Regulation E did not apply to my claim because of the high dollar amount. This statement is factually incorrect and contradicts federal consumer protections. While the claim status was eventually updated to " complete '' on XX/XX/XXXX, the bank failed its procedural obligation to provide funds during the investigation period and provided misleading information regarding my rights. I am requesting that the CFPB investigate Bank of Americas handling of this claim and their failure to comply with Regulation Es provisional credit requirements. Attached is a screenshot of the claim status for your reference.Thank you for your assistance in this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am submitting this complaint against XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, after I provided a valid Identity Theft Report and supporting documentation. I have formally notified TransUnion that multiple accounts currently reporting on my credit filespecifically those associated with the U.S. Department of Education XXXX XXXX the result of identity theft. I did not authorize these accounts and have not received any benefit from them. Under FCRA 605B, once a consumer submits a valid Identity Theft Report, the credit reporting agency is required to block the reporting of fraudulent information within four ( 4 ) business days. Despite submitting my FTC Identity Theft Report, affidavit, and proof of identity, XXXX has failed to properly block or remove these accounts. Additionally, under FCRA 611, XXXX is required to conduct a reasonable reinvestigation and ensure maximum possible accuracy of the information reported. The continued reporting of these accountsdespite my documentationdemonstrates a failure to meet this obligation. The accounts in question include multiple student loan tradelines reported under U.S. Department of Education XXXX XXXX including account numbers beginning with XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, all of which reflect severe delinquencies that are materially damaging my credit profile. I am requesting that TransUnion immediately comply with federal law by blocking and removing all fraudulent accounts associated with this identity theft claim. I also request written confirmation once this action has been completed. If this matter is not resolved promptly, I am prepared to pursue further complaints and all available legal remedies for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Majority USA, LLC

Complaint narrative:
Since XX/XX/year>, I have been unable to properly access or use my account with XXXX. I have attempted to withdraw money, make payments, and use my card, but transactions are either not processing or are being declined without a clear explanation. I currently have an approximate balance of {$5000.00} that I am unable to access or withdraw. I have contacted customer service on several occasionsboth through the app and via other channelsbut I have yet to receive an effective resolution or regain access to my funds. This situation is directly impacting me, as I am unable to access my own money to cover basic living expenses. I demand to be allowed to immediately withdraw or transfer all of my funds, or that this issue be resolved with the utmost urgency. I also request a clear explanation as to why my account is not functioning correctly. Should this matter not be resolved urgently, I will proceed to escalate this situation to relevant regulatory authorities and consider taking legal action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express posted a charge of {$1000.00} ( XXXX XXXX ) for a XXXX XXXX taxi ride ( XXXX minutes ) in XXXX XXXX XXXX XX/XX/2026. Original agreed upon fare price was XXXX XXXX XXXX. Since the transaction took place, I have provided all my documents to American Express and spoken with them XXXX times. They have re-opened the case multiple times and taken the side of the fraudulent merchant. I informed American express of the fruadulent charge within minutes of it posting on my card as the amount was grossly higher. The taxi merchant charged XXXX times higher than the agreed fare and is not consistent with any legitimate transportation pricing. The transaction was reported immediately to American Express. American Express should be able to verify this in their records. The merchant has provided forged signatures. Please review the full dispute packet for evidence and further analysis of the case. Transaction Summary : Pickup : Near XXXX XXXX XXXX XXXX XXXX XXXX / XXXX ( XXXX area ) Drop-off : XXXX XXXX XXXX XXXX XXXX XXXX Distance : XXXX km Duration : XXXX minutes Fare Comparison : Quoted fare : XXXX XXXX ( ~ {$10.00} XXXX ) Typical fare : XXXX XXXX XXXX XXXX : ~ {$6.00} XXXX ( XXXX XXXX ) Actual charge : XXXX XXXX ( ~ {$1000.00} XXXX ) Authorization Concerns The amount charged was not disclosed or authorized at the time of payment The merchant claims contactless authorization but provides inconsistent and unreliable documentation XXXX signatures submitted by the merchant : Do not match each other, and Do not match the cardholders verified drivers license signature These discrepancies indicate the transaction was not authorized Immediate Action Taken The charge was reported to American Express immediately upon posting A notarized affidavit ( Exhibit D ) confirms : The agreed fare Lack of authorization Real-time reporting of the fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint against Credit Management Company regarding an alleged debt that I do not recognize. I have repeatedly requested proper validation of this account, yet the company has failed to provide any documentation to support that this debt is accurate or that they have the legal right to collect it. Despite my requests, they continue to attempt collection and engage in harassing phone calls. Due to their failure to comply with federal law, I have also filed complaints with the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX XXXX XXXX XXXX This account, listed as account # XXXX with a balance of {$1100.00}, remains unverified and is being reported and/or collected without proper evidence. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically my rights under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I have filed a complaint with the Federal Trade Commission ( FTC ), the Office of the Attorney General, and the Better Business Bureau ( BBB ) against LMM Inc. I am reporting this company because I have absolutely no knowledge of this alleged debt, and despite my repeated requests for proper validation, they have failed to provide any legitimate documentation. It has been well over XXXX days, and the company has not produced anything that meets the legal standard of validation. Instead, they continue attempts to collect and/or report this account without verifying that the debt is accurate or that I am legally obligated to pay it. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires proper validation of debt, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that all reported information be accurate and verifiable. Their failure to provide proper documentation while continuing collection activity is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
1. Financial Harm from Systemic Service FailuresTruist has repeatedly ignored my instructions to set my primary checking account as the default for bill payments. Despite multiple online changes and requests, the system consistently defaults to my XXXX XXXX account. This has caused multiple payments to fail or overdraw, resulting in unauthorized bank fees and administrative chaos. I am demanding a full refund of all fees associated with this specific system failure. 2. Retaliatory Blocking of PaymentsOn XX/XX/XXXX, Truist rejected authorized Bill Pay transactions to XXXX XXXX. I personally visited the XXXX XXXX branch in XXXX to verify my identity and authorize these payments in person. Truist ignored this direct instruction and continues to block these payments. I believe this is retaliation for moving our business credit cards to a competitor. 3. Loan Interest Dispute. I am formally disputing the interest calculations on my Truist business loan. The interest applied is inconsistent with my loan agreement.

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 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I purchased 3 gifts on a company called wrappiness through affirm, I paid bill but company keeps harassing me for payment. I sent proof of payment received, Ive called and emailed and just get the run around, no clearing and now it has been reported to credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, PayPal asked for some information about me in order to establish the legitimacy of my account. I provided this information and later my account was reinstated. On XX/XX/year> they requested the same exact information, and subsequently I provided documentation. In turn this time, my account with PayPal was permanently limited without a clear or specific explanation. I complied with all requested verification steps, yet the limitation remained in place and I was not provided with meaningful information regarding the basis of the decision. As a direct result of this limitation, I lost access to my PayPal Credit line issued by XXXX XXXX. This constitutes an adverse action affecting a credit product, yet I was not provided with a compliant adverse action notice including the principal reasons for the decision or the information relied upon. Shortly after, a buyer dispute involving approximately {$1900.00} was automatically decided against me. PayPal explicitly stated that seller protection does not apply to XXXX accounts, and the case was closed without a substantive review of the transaction evidence I provided. The buyers claim was categorized as not as described ( NAD ), however no supporting evidence was provided to substantiate this claim. Despite this, the case was resolved in the buyers favor. I fulfilled the transaction and have proof of shipment, drop-off receipt from the courier, and pictures of the item that was shipped, yet this evidence was not meaningfully evaluated. This process effectively removed my ability to defend a legitimate transaction and resulted in significant financial loss. A dispute involving this level of financial impact was automatically denied based on account status. I made multiple attempts to resolve this through PayPals support channels and escalation contacts, including their Executive Office, but received no response at all. I am concerned this situation involves failures related to fair and transparent handling of adverse actions ( ECOA ) and potential issues related to accuracy and use of information ( FCRA ), as I have not been provided sufficient detail to verify or dispute the basis of these decisions. This entire sequence of events : account limitation, loss of credit access, and automatic dispute denial appears to be the result of an incorrect determination that has caused unjust financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have never done business with resurgent /LVNV I contacted the company to advise them of financial hardship and was told it would not report on my credit. Its definitely reporting and its negatively impacting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank XXXX XXXX XXXX account to participate in a {$400.00} promotional bonus offer. I successfully met all requirements, but the bank 's automated tracking system erroneously disqualified me, and the bank failed to deposit the bonus by the deadline stated in their own promotional terms. The Offer and Requirements : The promotion required depositing at least {$5000.00} in new money, completing XXXX qualifying transactions within 60 days, and maintaining a daily ledger balance of at least {$5000.00} between XX/XX/year>, and XX/XX/year>. The Error : The U.S. Bank mobile apps bonus tracker incorrectly flagged my account as failing the {$5000.00} balance requirement. However, my official monthly bank statements confirm that my daily ledger balance never dropped below {$5000.00} during the required timeframe. My Actions to Resolve the Issue : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX : I called U.S. Bank customer service three separate times to report the system error. During the 3rd call, I was promised that a written escalation form would be submitted, but absolutely no follow-up or resolution occurred. XX/XX/XXXX ( XXXX XXXX - XXXX XXXX ) : I scheduled an in-person appointment at a local U.S. Bank branch to get help with this specific issue. The banker, XXXX XXXX, attempted to review my business documents in the public waiting area. When I explained the bonus tracker error, she refused to honor the scheduled appointment to address it, refused to look at my app or statements, and dismissively told me to call the customer service number on the back of my debit card. XX/XX/XXXX : I called customer service a fourth time. I was transferred to a representative named XXXX, who utilized the app 's " co-browse '' feature. She verified the tracker interface error and submitted an internal escalation form. The Conclusion : The terms of the promotion state that the {$400.00} bonus will be deposited within 30 days after the month-end in which all offer requirements are met. Because my requirement window ended on XX/XX/XXXX, the month-end was XX/XX/XXXX. U.S. Bank had until XX/XX/year>, to deposit the funds. That deadline has now passed, and the {$400.00} has still not been deposited into my account. I have attached my bank statements and a screenshot of the app 's error as proof that I fully met the promotion 's requirements. I expect the bank to honor their promotional terms and manually issue the {$400.00} deposit immediately.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NC

Complaint narrative:
FORMAL BILLING ERROR DISPUTE, NOTICE OF ACCOUNTING DEFECTS, AND DEMAND FOR CORRECTION Date : XX/XX/2026 To : Carmax Auto Finance Executive Communications & Billing Department Re : Account Numbers : - XXXX Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. I, XXXX XXXX XXXX XXXX Executor, Fiduciary, acting by and through XXXX XXXX XXXX XXXX XXXX Church Body Charter Institutional Trust Indenture ), hereby submit this Formal Billing Error Dispute in conjunction with my prior Notice. I. FORMAL BILLING ERROR DISPUTE This is a formal dispute of billing errors pursuant to : - 15 U.S.C. 1666 ( Billing Error Resolution ) - 15 U.S.C. 1666b ( Correction of Billing Errors ) The above-referenced accounts contain errors, including, but not limited to : - Charges not properly verified or supported by accounting - Failure to provide method of verification upon prior notice II. DEMAND FOR ACCOUNTING AND VERIFICATION Within ten ( 10 ) days upon receipt of this Notice, provide : - Complete itemized accounting ledger for both accounts- All periodic billing statements ( including those not previously issued ) - Original agreement or contract governing the accounts - Method of verification for all charges and balances III. ADDRESS CORRECTION ( MANDATORY ) Immediately update all account records and correspondence to : XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina [ XXXX ] IV. DEMAND FOR CORRECTION Upon failure to properly verify and substantiate the alleged balances : - All disputed amounts must be corrected - Any unsupported charges must be removed - Account records must reflect accurate and lawful accounting V. NOTICE OF NON-COMPLIANCE Failure to comply with this Formal Billing Error Dispute within the stated timeframe constitutes continued reporting of defective and unverified account information and failure to correct billing errors upon notice. This Notice supplements and incorporates all prior correspondence and submitted documentation. All rights reserved without prejudice, UCC 1-308, UCC 1-103 . Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX my XXXX XXXX online banking was hacked and the caller ( impersonated my financial institution ) contacted me using XXXX XXXX phone discussing unusual transaction activity. Verified account info, sent me a security text message, verified my entire social security #, past/present transactions, addresses phone, e-mail. The caller also locked me out of my account ( claimed for security reasons ) As I attempted to access my banking personally to verify transactions. The Informed me that my debit card was used in unauthorized transactions in Cashapp. Instructed me to receive the refund through the Cashapp mobile directly. He order me a new debit card and instructed me to transfer the refund ( XXXX Cashapp fee ) to my new wells fargo bank account ( fraudulent bank account ). The caller instructed me to remove my old banking information from the account as it was no longer usable and to log out of the cashapp. After the process was complete the called dropped I contacted Both XXXX XXXX ( my financial institution ) and Cashapp customer support to report the fraud. XXXX XXXX gave me a incident # whereas Cashapp support did absolutely nothing to stop/reverse the transaction at all. I've called several times requesting information about my account and the transaction for police investigators. They refuse to provide information to help in the fraud investigation. withholding any evidence to my fraud claim helps cover the tracks of these criminals. I made police report ( attached ) file multiple Federal T rade Commision complaints, IC3.gov FBI internet crime complaint. Frozen credit reports, Identity theft reports, as well as contacted my State Attorney General. I have been in frequent contact with my local police requesting updates about the subpoena sento cashapp for the records the transaction referenced above. As of XX/XX/XXXX " Cashapp '' has not provided the requested which is thier legal responsibility. I am currently investigating additional legal options.

Company response to consumer: Closed with explanation