vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally request reconsideration of the decision regarding my claim ( Claim Number : XXXX ), which was denied on XX/XX/year>. I dispute your determination that the transaction in question was authorized. I did not initiate or approve this transaction, nor did I provide permission to any individual to use my card or account for this charge. As such, I consider this an unauthorized transaction and a billing error. In support of my dispute : * I was not present at the location where the transaction occurred. * I have not shared my card, PIN, or account credentials with any person. * I have no knowledge of or connection to the merchant associated with this charge. Additionally, this matter has been ongoing for several months and is now causing significant financial hardship. The continued denial of this claim and the outstanding amount of {$4900.00} are placing an undue burden on my finances, making timely resolution even more critical. I request that you provide all documentation and evidence relied upon in reaching your determination, including : * Complete transaction records and authorization details * Any signatures, receipts, or agreements * XXXX address, device, and XXXX data ( if applicable ) * Any evidence or documentation provided by the merchant I am formally requesting that this claim be reopened and fully reinvestigated. I am prepared to submit additional supporting documentation, including a police report or affidavit of unauthorized use, if required. Given that this transaction is unauthorized, I request that the full amount of {$4900.00} be credited back to my account pending the outcome of your investigation. If this matter is not resolved promptly, I am prepared to pursue further remedies, including filing formal complaints with appropriate regulatory agencies and seeking any other rights available to me under applicable law. Please confirm receipt of this correspondence and provide written notice of the next steps, including applicable timelines for review, in accordance with your obligations under federal regulations. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX ( Account ending in XXXX ) Constitution company is XXXX Bank of America )

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, Account Name : American Express Account Number : XXXX I am formally disputing the above-referenced account reported by American Express XXXX This account is currently listed as charged off with a balance of approximately {$12000.00} and continues to be reported despite prior disputes. Account Name : American Express Account Number : XXXX I am disputing the above-referenced American Express account XXXX reported as a charged-off account with a balance of approximately {$1800.00}. This account has been previously disputed, and proper validation has not been provided. This account is inaccurate, unverified, and in violation of federal law. Pursuant to : 15 U.S.C. 1692g ( FDCPA ) 15 U.S.C. 1681s-2 ( FCRA ) 15 U.S.C. 1681e ( b ) They have failed to provide : A signed agreement Full account-level documentation Proof of authorization Additionally, I have requested cessation of communication under 15 U.S.C. 1692c ( c ), yet collection efforts continue. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
I had eye XXXX in XXXX 2024. They offered a 0 % if paid off in 2 years through Alpheon credit company and comenity bank. I signed up thinking I signed up to pay it off in 2 years and had the payments deducted from my checking automatically. I was unaware of the promotional interest rates. I'm sure it is in the fine print which I could not see due to my poor vision. I think I inadvertantly selected pay minimum payment instead of full. I was receiving emails from them letting me know my payment but never in the emails did it say my promotional period ends and I will be charged roughly XXXX in interest. A payment came out in XXXX so I thought it was the last payment as my XXXX was in XXXX. In XXXX another payment came out so I logged into the system as the statement mailed to me had no useful information. This is when I discovered I had been charged XXXX. I don't deny that I have some culpability in that I never signed into the system. I wrongly assumed that the emails would tell me everything I needed to know. After calling the company they did point me to my online statements which do point out the promotional period is ending. I just think it is misleading to sign up for electronic delivery and not have that information on the emails. I feel as a result I should have some of the interest reduced. The company refuses. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Can you go through this entry? It might be incorrect and its late.

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 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I called the company, XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX ) that appeared on my credit report, to request a validation of the debt that showed up on my credit report. They attempted to charge me a processing fee of {$1.00} and refused to release the information until I gave my payment details. Charging a processing fee for a debt validation is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I work with Fay Servicing and I call every 2 weeks to pay my mortgage and explicitly notate how the payment is for the following month and how it needs to be applied ONLY to that next month 's payment and like clockwork, I get a call late in the month that they haven't received my payment and have charged me a late fee. Whether it be by their system not switching everything or them not meeting my note on the account. They continuously use the complimentary waivers of late fees without my permission or acknowledgement, you can NEVER reach a manager and the only way to meet their biweekly payment processor is to be able to pay two months up front and there is still no guarantee that they will adequately mark the payment because they don't communicate with the customer and/or the internal system. I am unable to refinance my home at this time and can not stand this company and can not imagine letting them have the direct connection to my bank account anymore. Today XX/XX/year> I received a call from them that they didn't receive my payment when I received a call from them over a week ago saying the same thing where I authorized the woman to take the remaining payment out of the principal account which I didn't authorize the payment to go into in the first place to complete my payment and instead of doing that - she didn't move the money over, took the incorrect amount from my bank account and then STILL CHARGED ME A LATE FEE! I can't even get an answer on my " requests '' because a manager doesn't exist to take my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: MA

Complaint narrative:
there was a random forbearance placed on my loan, and the company never notified me that this had happened. This resulted in me paying the wrong amount for three months, which in the long-term is going to cause me to have to pay more in my student loans I had contacted the company multiple times via chat and via phone call to you ask them to please correct this more than twice nothing had been changed and they also could not provide me with a response as to why the system randomly decided to change my loan payment amount when I ask them to go back and correct the interest that I will in the long run have to pay because of this problem they denied me even though it was a problem on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My complaint is with Huntington Bank at XXXX XXXX XXXX in XXXX OH XXXX. On XX/XX/year> {$6300.00} was sent to XXXX XXXX in XXXX, WI to a person named XXXX XXXX, who had fraudulently added himself to the " payee '' list on my checking account. I contacted the bank a few days later when I noticed the transaction and presented myself to the branch in person. After initially assuring me that I would be reimbursed in 7-10 days, I received a letter which stated " our research confirms you authorized the bill payment associated with this claim ''. I further escalated the inquiry and the case was re-opened. I received a second letter which was identical to the first, without any further documentation. I did not initiate or authorize this transaction and feel that further documentation should be provided to indicate that I did. I have filed with the XXXX Police Dept., the FBI and the federal identity theft website. Please help with next steps before I obtain legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: CA

Complaint narrative:
I am disputing a negative balance of {$240.00} on my Albert Cash account. According to the company, a credit was applied to my account on XX/XX/XXXX, and later reversed on XX/XX/XXXX. The reversal is listed as Reversal - XX/XX/XXXX Credit for - {$240.00}, which caused my account to become overdrawn. I requested clarification and documentation from the company, including : The source and nature of the XX/XX/XXXX credit The reason for the reversal on XX/XX/XXXX A complete transaction history related to these events Proof that I authorized any related transfers or activity The company has not provided clear or consistent information. Initially, I was told this activity occurred in XXXX, and later I was told it occurred in XXXX. This inconsistency raises concerns about the accuracy of their records. Instead of providing documentation, the company directed me to review transactions within the app, which does not adequately explain the issue. I have not actively monitored or used this account for an extended period, which makes these unexplained transactions especially concerning. The company is currently preventing me from closing my account due to this disputed balance. I am requesting : A full investigation and detailed documentation of the transactions Correction or removal of any invalid charges The ability to close my account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My debit card was compromised, 6-8 weeks ago it started. Ive had XXXX of transactions unauthorized completely drain my account. XXXX dollars or more gone. From XXXX XXXX XXXX, XXXX XXXX transactions, XXXX XXXX transactions, XXXX XXXX XXXX cards, XXXX XXXX all compromised!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: iQuantified Management Services, LLC
State: WA

Complaint narrative:
I am writing to formally dispute the debt you have sent to me. I have not received any prior billing or notice from the original company, and only this collection notice. As such, I believe this debt is either incorrect or has not been properly communicated to me. I request that you provide evidence of the original billing, and I ask that all collection activity be paused until this matter is resolved. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
This matter reflects repeated servicing failures. Payments made in full are not reducing principal as expected under a standard amortized loan structure. Instead, payments appear to be applied to interest in a manner that prevents meaningful principal reduction. I have attempted to resolve this directly with the servicer. Prior calls did not result in clear explanations and were terminated without resolution, including instances of disconnection. On a subsequent call, I was denied account access due to alleged identity mismatch ( not recognized as XXXX ). However, the servicer initiated outbound calls to me twice and still refused to verify identity or address account concerns. This has resulted in complete inability to access or correct account errors. I request a full servicing audit, correction of any misapplied funds, and written explanation of all identity verification blocks and payment allocation methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
XXXX my XXXX was totaled in an accident and on XX/XX/year> spoke to numerous people at Honda finance to find out why I am being charged this when the car was totaled and I had gap insurance. They would not work with me at all. Also had to pay {$400.00} for a deductible and XXXX for over mileage which should never have been charged due to the loss of the vehicle and gap insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX for {$400.00} using my XXXX XXXX Debit card. By XX/XX/XXXX, I had only received a partial delivery consisting of four item. Upon contacting the merchant, I was promised that the remaining two products would ship the following week, but this never occurred. Throughout XXXX, the merchant continually delayed the fulfillment date until XXXX, despite the fact that I saw them actively promoting the items and fulfilling orders for newer customers on social media. When I requested a refund for the {$230.00} value of the missing items, the seller refused and attempted to offer a 30 % discount instead. I officially filed a dispute with XXXX on XX/XX/year>, after waiting sixty days in good faith for the merchant to fulfill the order. Only after this legal claim was filed did the merchant attempt a reactive shipment on XX/XX/XXXX. When the package arrived, it still only contained one of the two missing products, so I refused the delivery and returned it to the sender. I provided PayPal with photographic proof and tracking confirmation that the merchant has the inventory back in their possession. PayPal set an official decision deadline for XX/XX/year>, but failed to resolve the case by that date. When I contacted a supervisor on XX/XX/XXXX to escalate the matter, she questioned my timeline rather than the merchant 's failure to ship, and the call was disconnected while I was on hold. PayPal has now pushed the resolution date back to XX/XX/XXXX. I am filing this complaint because PayPal is failing to meet its obligations under Regulation E and XXXX Zero Liability by withholding {$230.00} for products I never received and that the merchant currently holds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: CCM Finance LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by ( XXXX ) in connection with a vehicle repossession being reported on my consumer credit file. Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> On this day I was alerted to a notification from my bank of a payment that was made that seemed fraudulent on their part and wanted to know if I made it. I know I never made a payment so I told them No. I checked my account and saw that it was withdrawn. The money had been sent to someone on Cash App. I called my Bank and CasApp on that day. Someone had hacked into my account through another phone. Several attempts were made on that day to take out more money than I had. Only {$1000.00} was taken. After several weeks and months since this happened, nothing has been resolved. I was told that I allowed the transactions to occur when I even told them and showed proof that my phone was not used and A different phone was used. I even got an an email that my account was compromised. But the more I inquire about my situation, it feels that I am getting no where with CashApp and my bank. I just want the money that belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NC

Complaint narrative:
The US Bank XXXX Credit card will not allow me to redeem my rewards. I have made 5 or 6 phone calls to them with no resolution to this issue. I have plenty of reward money to redeem for a gift card on my account. The US Bank will not allow me to redeem my rewards online.

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 non-monetary relief