vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We bank with Bank of America and we pay quarterly taxes. On XX/XX/XXXX I wrote a check to the IRS for {$6000.00}. The check was somehow stolen and cashed at I believe XXXX. The cashed check had my signature, but everything else was fraudulent and did not match my other checks. The amount, {$6000.00}, is the same. For example, the font and size of my name and address was different, the size and font of " Bank of America '' was different and the check itself just looks different. It is clearly a different check. Unfortunately we did not catch it until we started filing for our taxes. We submitted a fraud complaint but Bank of America said according to my agreement, I needed to submit that within 60 days of the check being cashed but I did not look at the check until sometime in XX/XX/XXXX. When I went into the bank to get help, the bankers told me I was the third person that week who had come in with complaints about fraudulent checks and someone in this area had robbed a mailman and had the key to the blue post office boxes so was able to rob those boxes, which is what likely happened to me. Additionally they said it seems that XXXX bank cashes a lot of these checks. I feel Bank of America should reimburse me this money despite this 60 days given there is no way this is an actual check and it is clearly fraud. Additionally, this apparently is a known issues in our area and they should have been more vigilant. They should have caught this on their end as it looks nothing like my other checks. I plan on appealing but also wanted to file a complaint.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I won XXXX dollars on cash app apples the perious time I won XXXX dollar neither time were the funds deposited into my account like promised. The company stated that yes the game was played by me but until they deposited the money I can not prove I won there fore I get nothing. When I reached out I was laughed at and told yeah it's a common problem and not one they can fix so we played the game to win money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I was scammed by someone offering a room to rent when I was desperate for housing. We had talked over the phone and he had given me an address along with pictures of the room and property. We had talked in detail about the arrangements and XXXX had told me how he was looking for someone to take care of the room now that his grandma was at a hospice. We talked and he gained my trust and eventually I decided to proceed and give him my last remaining money for the rent, which was XXXX dollars, in hopes of having a roof over my head. As soon as I had sent him the money through cash app he sent me text message that said " Fake. Goodbye '' and all communication ceased. I reported this scam to Cash App, which is how the money was transferred to him, giving them details of the event along with screenshot of the conversation and Cash App contacted me back on XX/XX/XXXX saying that upon completing their investigation they would not reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint against PayPal , Inc. ( specifically PayPal Credit ) for failing to adhere to its own Purchase Protection policies regarding Case ID XXXX. XXXX. Mandatory Signature Violation : This transaction ( ID : XXXX ) is for {$3200.00}. Under PayPals User Agreement, any transaction over {$750.00} requires the merchant ( XXXX XXXX XXXX ) to provide Signature Confirmation for proof of delivery. XXXX. Documented Delivery Failure : The item was purchased on XX/XX/year>. The XXXX tracking has shown a 'Delivery Exception ' for nearly XXXX months. No signature was ever obtained. XXXX. Refusal to Resolve : Despite the merchant response window closing on XX/XX/XXXX, PayPal has placed the case into an indefinite 'Manual Review. ' A supervisor ( XXXX ) stated the review could last until XXXX, which is an unreasonable delay for a clear-cut policy violation. XXXX. Financial Harm : I have already been charged a {$30.00} late fee on my PayPal Credit account for this missing item. PayPal is refusing to reverse these charges despite the lack of mandatory proof of delivery. ''

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this FTC to report fraudulent accounts that are appearing on my credit report which I do not recognize. I am victim of the equifax data breach. These fraudulent accounts consist of personal credit cards. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My autopay was deleted through a system error or fraud on your end. I received no notice that the autopayment was deleted, nor did I receive any notification that the payment became late via email or physical letter. I only discovered this issue when I received an alert to my credit report on approximately XX/XX/year>2026. Immediately upon logging in and seeing the autopay had been removed without my authorization, I paid the full amount plus the following months payment ( {$3500.00} ) on XX/XX/scrub>, 2026. BSI claims that I manually deleted this autopayment. I have reported to BSI that this is either fraud or a catastrophic system error, as I did not delete it. To date, BSI has refused to provide relevant logs or documentation to support their claim. This error has resulted in a XXXXday delinquency being reported to my credit bureaus, causing a drop of approximately XXXX points to my credit score. Formal Request for Information ( Audit Logs ) Pursuant to XXXX XX/XX/XXXXXXXX and XXXX, I am formally requesting the following documentation and data logs regarding the deletion of my autopay : Correct the Credit Reporting : Rescind the XXXXday late report toXX/XX/XXXXandXX/XX/XXXX immediately . If BSI refused to do this as a require or as simply a good will gesture. Then BSI needs to Provide the Evidence : Supply the requested logs within the XXXXday statutory period required by RESPA. System Audit Logs : A complete log showing the exact date, time ( including timezone ), and source of the request to delete the autopay. IP Address Information : The IP address and geolocation data associated with the session that initiated the deletion. Authentication Details : The specific type of authentication used ( e.g., username/password, XXXX, or internal XXXX override XXXX to access the account at the time of the move/deletion. Communication Logs : Proof of any " Notice of Deletion '' or " Payment Past Due '' notices sent to my email or physical address prior to XX/XX/year>2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint purchased my mortgage shortly after I purchased my home ( XX/XX/XXXX ) and sold my mortgage to XXXX XXXX effective XX/XX/XXXX. I received an escrow analysis statement from Shellpoint on XX/XX/XXXX. I would like to note here that, over the phone, a representative from Shellpoint stated the escrow analysis was actually run at an earlier date. The escrow analysis provided by Shellpoint detailed a surplus. There is an actual balance in the account, as of XX/XX/XXXX, of {$17000.00} and a required balance of {$5600.00}. See document attachment for more details. I have yet to receive a check from Shellpoint. I am aware I have XXXX days to receive a surplus payment in relation to the balance in my escrow account after receiving an escrow analysis. I am told by Shellpoint that the entire escrow balance was transferred to XXXXXXXX XXXX. However, I do not believe Shellpoint erroneously transferring my entire escrow balance removes them of the liability of releasing to me the escrow surplus. Additionally, I have contacted XXXXXXXX XXXX and explained the situation and they will also not release to us the surplus balance. XXXX has made various contradicting claims as to our escrow surplus account : first we were told a check would arrive a week later, then we were told to wait a month for them to perform their own analysis that may result in a different payment. Ultimately, such analysis was never performed and uploaded to my XXXX account, nor was a check received. I believe the duty to deliver the funds resides with Shellpoint. Shellpoint can then determine how to address this with XXXX, but the problem does not XXXX with me and should not be my burden. I am simply owed my surplus balance as depicted in the statement provided by Shellloint. I feel both companies are giving me the run around and that their behavior is unethical and 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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/scrub> 2026, I called Wells Fargo to request a credit line increase on my Wells Fargo XXXX credit card. Before proceeding, I specifically asked the representative whether the request would result in a hard or soft inquiry on my credit report. The representative confirmed it would be a soft pull. Because this was important to me, I asked multiple times during the call, and each time the representative reaffirmed that it would be a soft inquiry only. The representative then guided me to submit the credit line increase request through the Wells Fargo mobile app. At no point during the in-app process was there any disclosure, warning, or notification indicating that the request would result in a hard inquiry on my credit report. Based on both the representative 's repeated verbal assurance and the absence of any hard inquiry disclosure in the app, I proceeded with the request. Within minutes of completing the request, I checked my credit report and discovered that a hard inquiry had been placed by Wells Fargo. I did not consent to a hard inquiry. My consent was given solely on the basis of the representative 's repeated confirmation that it would be a soft pull, and the app itself provided no indication otherwise. I believe the call was recorded and would reflect exactly what was communicated to me.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My name is XXXX XXXX and since XXXXXX/XX/XXXX, I have been having problems with Bank of America. I have filed complaints without any resolution. I filed for Bankruptcy in XXXX of XXXX and Bank of America refused to file a claim in bankruptcy court and instead illegally repossessed my vehicle and write it off. During my bankruptcy Bank of America was illegally collecting payments from me directly and refused to file a claim in my active bankruptcy of XXXX of XXXX which was successfully XXXX XXXXBank of America violated my rights as a consumer and continues until today. Bank of America refused to provide me a XXXX and ahas been reporting this account to all XXXX major credit unions. I made several attempts to resolved this issue with Bank of America but has been denied and they continue to disregard the legal facts in this serious matter by verifying the account as valid. PLEASE SEE ATTACHMENT.

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Issue Summary : I transferred XXXX American Express XXXX XXXX points to XXXX Plus in XX/XX/year>. XXXX accepted the transfer and the XXXX points appear in my XXXX XXXX account, but XXXX system has prevented me from using them in any way since the transfer. Details : My XXXX Plus accountXX/XX/XXXXXXXX contains the XXXXXX/XX/XXXX I transferred from American Express. However, XXXX system will not allow me to use these points for any transaction. I can not book flights, transfer XXXX, activate a family account, or complete any purchase or redemption. Every attempt results in an error on XXXX side. I have contacted XXXX multiple times by phone and through their online forms. They have not resolved the issue, and my account remains unusable. XXXX has acknowledged my complaint under reference number XXXX but has not provided a solution. Why I am filing this complaint : I transferred my Membership Rewards points in good faith with the expectation that I would be able to use them. XXXX has accepted the points but is preventing me from accessing the value I paid for. American Express can not reverse the transfer, so I am stuck with points that I can not use. I am requesting assistance because I am unable to access the value of the points I transferred, and neither company has resolved the issue. Requested Resolution : I would like American Express to work with XXXX to restore full functionality to my XXXXXX/XX/XXXX account so I can use the XXXXXX/XX/XXXX I transferred. If XXXX can not or will not fix the issue, I request that American Express provide an alternative remedy so I am not left with unusable points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask thatXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding Chases refusal to process a valid billing error dispute on a XXXX credit card transaction involving XXXX. On XX/XX/year>, XXXX charged me a tariff/duty fee of {$170.00} that they later acknowledged in writing was incorrect. I should be owed a refund for the difference. Despite this written admission and multiple follow-ups over several months, XXXX has failed to issue the refund. XXXX also in the end, lost my package. I disputed the charge with Chase ; however, Chase declined to process the dispute, stating they do not have authority over tariff-related charges without merchant approval. This is a misclassification of the issue. This is not a dispute about whether a tariff is valid it is a billing error where the merchant has explicitly admitted the charge was incorrect and should be partially refunded. Under XXXX dispute rules, this qualifies as an incorrect amount charged and a failure to issue a promised refund. I have provided documentation showing the merchants written acknowledgment of the error. I am requesting that Chase properly investigate and process this dispute as a billing error, rather than incorrectly rejecting it as a non-disputable tariff charge. I also request reimbursement of the incorrect portion of the charge. I am attaching documentation including XXXX written admission of the error and a timeline of my attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
In approximately XX/XX/XXXX 2025, a fraudulent XXXX XXXX XXXX account was opened in my name without my knowledge or authorization. I discovered this when a collection account from Credence Resource Management appeared on my XX/XX/XXXX credit report for approximately {$220.00}. This is the XX/XX/XXXX time a fraudulent XXXX XXXX XXXX account has been opened using my personal information. The XX/XX/XXXX incident also involved a fraudulent XXXX account opened in my name, which I previously disputed and had removed. I contacted XXXX XXXX XX/XX/XXXXfraud department and was told I would need to call XXXX separately, despite XXXX having spun off from XXXX XXXX XXXX in XXXX. Neither company has taken responsibility for resolving this. I am requesting : Immediate closure of the fraudulent account Removal of the {$220.00} collection from my credit report A written confirmation that the account has been closed and the debt cleared XXXX XXXX XXXX flag my identity internally to prevent any future accounts from being opened in my name I have filed an FTC Identity Theft Report and disputed this account withXX/XX/XXXX The fact that this has happened XX/XX/XXXX indicates a systemic failure in XXXX XXXX XXXX XXXX account verification process, allowing accounts to be opened without proper identity verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I made a payment for my auto loan on XX/XX/XXXX for the XX/XX/XXXX due date. I then made a payment XXXX for the XX/XX/XXXX due date payment. Ally has not applied the XX/XX/XXXX payment and has sent me to collections saying the XXXX payment is overdue. They are not resolving the issue and are charging late fees and reporting to the credit bureau a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting the entire complaint sent with the reports that BOA completed. They were all in error. Late charges, fees etc were accessed inaccurately. BOA sold the mortgage to XXXX now they are reporting the same errors, miscalculations and lost payments. I am sending everything in attachment for your information. Thank you

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