vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: DE

Complaint narrative:
Rebuttal to CarMax Auto Finance Response ( Case No. XXXX ) I am rejecting CarMax Auto Finances response in its entirety. CarMaxs reply to the CFPB is highly misleading and omits the central fact of this dispute : This vehicle was sold, and the loan was paid off in full. > CarMax is actively reporting a damaging 30-day late payments every month on my credit report. However, my official bank and transaction records prove that the payoff funds were sent and cleared on time. CarMax either failed to credit the payoff to my account in a timely manner or is improperly penalizing me for a administrative delay on their end after the loan was finalized. CarMax 's claim that they " can not accommodate the request to delete because they must report accurate information '' is an intentional deflection. There is nothing " accurate '' about reporting a consumer 30 days late on a loan that has been completely paid off and closed via a vehicle sale. Certified Mailed out on XXXX XXXX UCC Notice Violation Dispute Letter Certified Mailed To : Carmax, XXXX, XXXX, XXXX Subject : Demanding Immediate Deletion UCC Violations & Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the automotive account listed below under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and Delaware 's Uniform Commercial Code ( UCC ) Article 9, Part 6. This vehicle was repossessed and subsequently liquidated. However, the original creditor, CARMAX AUTO FINANCE, failed to provide the mandatory statutory notices required under Delaware law. Specifically, the creditor never sent a Notice of Our Plan to Sell Property ( UCC 9-611 ) prior to the auction, nor did they provide a written Explanation of Calculation of Surplus or Deficiency ( UCC 9-616 ) after the disposition. Disputed Account Details : Creditor Name : CARMAX AUTO FINANCE Account Number : XXXX Reported Balance : {$30000.00} Legal Basis for Deletion : Under Delaware law, strict compliance with UCC Article 9 repossession notice requirements is an absolute prerequisite to establishing any deficiency debt. Because CarMax failed to issue these legally mandated notices, no legal debt or deficiency exists. Furthermore, CarMax is reporting an active balance of {$30000.00} updated as of XX/XX/year>. Reporting the gross loan balance after a vehicle has been sold at auctionwithout crediting auction proceeds or proving a legally established deficiencyconstitutes a blatant and willful violation of the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not authorize this ACH Debit transaction, nor have I ever provided Capital One with permission to debit my Chase account. I do not have any active accounts, loans, or payment arrangements with Capital One that would justify this debit attempt. Upon discovering the transaction, I immediately contacted XXXX and placed a stop payment to prevent the unauthorized withdrawal. XXXX confirmed that the debit was initiated electronically through a WEB authorization, which indicates that someone entered my bank account and routing number into an online payment system without my consent. This incident raises serious concerns that my bank account number may have been compromised and is being used by an unauthorized party. I am requesting that the CFPB review this matter, ensure that Capital One and XXXX follow all applicable regulations regarding unauthorized ACH transactions, and assist in determining how my account information was used to initiate this attempted debit. I am also requesting guidance on ensuring that my account information is protected from further unauthorized use and that any entity responsible for misusing my account number is held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ross, Stuart & Dawson Inc
State: AK

Complaint narrative:
XXXXXXXX XXXX XXXX is trying to file complaint against me for items not paid for. And for {$2900.00}. I received emails on settling for reduced amount for all the items I still owed. I finally was financially stable enough to pay off the items. I reached out to pay the settlements. And I paid in full for the settlement. Spoke with them over the phone. They gave me the info on all 4 accounts I owed. I paid for 2 of them XX/XX/XXXX and the other XXXX XX/XX/XXXX. And when I checked online, they are only including 3 of them. And they haven't even sent me the ownership paperwork for these items as they said they would over the phone when i called. So I haven't received anything prior about this account they are trying to file claim against me for. No emails, no proper notifications. Just a phone call from a spam risk phone number.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 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:
Fraudulent charges in XX/XX/year>, ~ {$9100.00}, all merchant listed as XXXX Reported immediately, card blocked XXXX months with no resolution Being charged interest on disputed amounts ( FCBA violation ) Multiple calls to fraud department with no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: PA

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 Einvestigate 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I recently opened an XXXX XXXX XXXX XXXX credit card issued by Bank of America and was charged a {$90.00} annual fee. Upon my very first attempt to use the card, it was immediately blocked for suspicious activity. Furthermore, my online banking access has been entirely revoked. Attempting to log in or reset my password fails completely. When I called phone customer support to resolve this, I was told I failed an automated phone verification. Bank of America representatives refuse to escalate my claim or offer alternative remote verification paths, repeatedly stating that my only option is to visit a physical retail branch in person with photo ID. I live in XXXX, Wisconsin. Bank of America does not operate a single physical retail branch in the entire state of Wisconsin, making travel to a branch entirely impractical just to clear a false positive on a brand-new account. The automated system and rigid customer service protocols have created a total operational deadlock. Bank of America is currently holding my {$90.00} annual fee while completely denying me access to the account, effectively withholding a paid service. I am requesting that Bank of America assign an executive case manager to verify my identity remotely via a secure document upload portal, or immediately close the account and issue a full refund of the {$90.00} fee.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV FUNDING LLC, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$870.00} originally owed to XXXX XXXX XXXX XXXX XXXX, Account NoXXXX XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There are around 300 transactions small small amounts and i didnt even noticed them the bank closed my card recently and i called they said there was a fraudulent activity then i checked my account activity and found it was happening from last 10 months then i filled a claim and they rejected it without even asking me anything said that we rejected because not all transactions are claimed but i told the representative to file for all transactions

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
On XX/XX/XXXXXXXX I did an application online for a XXXX XXXX XXXX. Talked to the salesman at HYUNDAI XXXX XXXX XXXX in XXXX Louisiana . I went to dealership once I got there i was told that I was denied for the XXXX. Ran an application again and put me into a XXXX XXXX XXXX. I explained to them I was on XXXX but commenced on telling me that I had to have XXXX down which I did I placed XXXX down on the car. Waited 6 hrs for them navigate the paperwork.i explained to them that I am on fixed income and they still put me in the car at XXXX. I received a letter from XXXX XXXX stating my information was in a data breach for XXXX XXXX XXXX XXXX. Hyundai contacted me and told me that my payments were being deferred.i then noticed on my credit report that they charged the caroff. On XX/XX/XXXXXXXX XXXX XXXX XXXX had their agent come to my home to reposses the vehicle.i told the tow truck driver no that I needed to get on phone with hyundai. My daughter who is XXXX yrs old was standing at the driver side of the car and told him no my mom has to talk to someone. I told the tow truck driver that I was contacting the police he told me it didn't matter that he was still taking the car. He backed up with my daughter standing in front of the car. The tow truck driver XXXX XXXX broke down in my yard he the got in the vehicle and left the premises. Came back 2hrs later with a tow truck to tow his tow truck. Lease end contacted hyundai for a conference call with me. Hyundai commenced to by pass me entirely disclosing my information to lease end. Lease end then took mine and my mother 's SOCIAL SECURITY NUMBER RAN THEM TOLD ME THEY DENIED ME BASED ON MY CREDIT SCORE. Then wanted me to have someone else to run to be eligible. Hyundai took the vehicle and sold it.i contacted Hyundai XXXX and XXXX XXXX asked for copy of sale agreement full accounting on the account and they never responded.

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 2026-06-10 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: MI

Complaint narrative:
a check for XXXX was cashed in arizona XXXX XXXX at chase bank i live in michigan and i did not do this chase has givin me the run around for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I bank with XXXX XXXX XXXX XXXX, on Sunday evening around XXXX some where around that time I was getting off of work when I received a phone call from XXXX XXXX XXXX XXXX stating they received an alert that someone is trying to forward {$5000.00} from your bank account that I have with XXXX. When I heard that I started panicking, the male on the other line said maam do you have your card with you I told him yes I did. He asked again has my card been out of my possession and I repeated no I have had my card all day. The gentleman said that I would need to unattached my bank card from XXXX XXXX or XXXX and transfer the amount you have in your account to the new virtual card number that I will give you. He explained that he would provide me with my virtual card number for XXXX after i unattached the card. I did that and was provided with the card number. After doing so I received a text message from XXXX stating : we noticed fraudulent activity with your account please contact XXXX. I told the guy what was happening he said let me put you on hold for a minute. Then he hung up. So now Im out of {$1500.00} and you people are sitting there staring this is usual activity. Its not usual activity. I dont just put cards on to my XXXX XXXX and transfer my money from XXXX . I pay my bills. If you people were really investigating this you would see this card is a CHIME CARD. I HAVE NOT HAD A CHIME CARD IN OVER 6 YEARS. I DONT HAVE TIME FOR PEOPLE XXXXXXXX XXXX XXXX XXXX!! I WILL NOT USE XXXX XXXX FOR NOTHING ELSE PERIOD!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
In XX/XX/XXXXXXXX I was referred by a family member to open a new account with Marcus by Goldman Sacks. The new savings account promotion is as follow : " Earn {$1500.00} When you deposit {$100000.00} in Eligible New Funds and maintain for 90 days. Must also maintain starting balances for 90 day. This Online Savings Account Cash Bonus Offer is valid from XX/XX/XXXX to XXXX XXXX ET on XX/XX/XXXX. '' On XX/XX/XXXX, I funded the new account with XXXX. And received this email from Marcus : " This notice is to acknowledge you recently funded a new savings account on XX/XX/XXXX. Your Account is available to you 24 hours a day when you log in at Marcus.com. '' On XX/XX/XXXX, I received this email from Marcus : " Were glad your friend referred you to Marcusyoure earning a Cash Bonus while you earn a great rate on your high-yield Online Savings Account. Way to save! '' We are in XXXX now and the family member who referred me, got the XXXX bonus, but I did not. When I contacted Marcus, I was told that the referral meant just for introducing you to Marcus but not specifically for that promotional program. You have to separately enroll to that program in order to receive the XXXX. I thought the XX/XX/XXXX letter clearly indicated that I am " earning a Cash Bonus while you earn a great rate on your high-yield Online Savings ''. They argued that here the cash bonus meant for the 0.25 % bump in rates. This is very misleading and confusing to any regular consumers, no one is their right mind will try to get 0.25 % bump while missing out the XXXX cash bonus. If they choose to open the new account directly, rather than through referral they would be getting the XXXX bonus. I am submitting this complaint to ask the regulator to review this practice. They are playing with words game here! Cash Bonus means different things in different places. Regular consumers have no expertise to tell the difference. Thanks for your time, and I can provide details if you so require.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation