vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
This complaint presents new material information regarding Alliant Credit XXXX servicing of a Home Equity Line of Credit secured by residential property. 

For background and full documentation of prior issues, please reference CFPB case numbers : XXXX ( closed ) XXXX ( XXXX disclosure discrepancies pending ) XXXX ( systemic accounting concerns pending ) In those complaints, I documented admitted XXXX calculation inconsistencies on multiple periodic statements spanning at least XXXX years, inaccurate payment demands, returned good-faith tender, and unresolved accounting disputes. 

On XX/XX/year>, Alliant sent me a letter stating that during a routine audit it identified a discrepancy related to annual fees assessed to my HELOC and that a credit had been processed. The letter is addressed generically to Valued Member, which suggests this may reflect a broader portfolio-level issue rather than an isolated account error.

Alliant has not provided : The amount of the improper annual fee The dates during which it was assessed A transaction-level accounting of the adjustment Confirmation that prior demand figures have been corrected Alliant is aware that I do not have online access to the account and can not log in to review any accounting information. They are also aware that periodic statements are typically addressed to my deceased mother and are not reliably delivered by XXXX, leaving me without independent access to the underlying transaction history. 

This newly admitted annual fee discrepancy follows previously admitted APR disclosure defects. These recurring errors raise serious concerns regarding the reliability of XXXX XXXX accounting and statement-generation controls. 

Given the repeated nature of these errors and the generic format of the audit letter, I am concerned this may reflect systemic issues affecting additional consumers.

I respectfully request that CFPB treat this as new material evidence and review Alliant Credit XXXX XXXX XXXX, fee assessment, and statement accuracy practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I sent XXXX wire transfers to make a purchase related to my XXXX seller account. XXXX wire for approximately {$6000.00} was sent from my Bank XXXX XXXX account and XXXX wire for {$4200.00} was sent from my Chase account. I later discovered that this transaction was fraudulent. I immediately contacted both banks and filed fraud claims. Bank XXXX XXXX initiated a recall and successfully recovered and returned the {$6000.00} to my account. 



Regarding the {$4200.00} wire sent from Chase, I have contacted Chase multiple times and have been told that a recall was submitted. However, I have not received clear written confirmation of the recall, proof that the receiving bank accepted the recall, or any timeline for recovery. I am requesting written confirmation of the recall status, documentation of the actions taken by Chase to recover the {$4200.00}, and a clear timeframe for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My vehicle was declared a total loss in California on or about XX/XX/XXXX. American Credit Acceptance LLC was notified shortly afterward, and they were aware that an insurance and GAP insurance payoff was pending to satisfy the loan balance. 

Despite being notified of the total loss and pending insurance payment, American Credit Acceptance LLC failed to process the payoff in a timely manner and did not act in good faith to resolve the account. Instead, they allowed the claim and payoff process to be prolonged unnecessarily. During this period, they continued to accept my monthly payments and applied those payments primarily to interest rather than reducing the principal balance. 

From approximately XX/XX/XXXX through XX/XX/XXXX, American Credit Acceptance LLC continued charging and accruing interest on the account while the insurance and GAP providers were working to resolve the total loss claim. These delays caused additional interest to accumulate that would not have accrued had the lender handled the payoff process promptly and responsibly. 

I made payments totaling approximately {$1200.00} during this period. I was not clearly informed in writing that interest would continue accruing during the insurance claim process or that payments made after the total loss would primarily be applied to interest. I relied on the lender to act reasonably and in good faith once they were aware that insurance would be paying off the vehicle. 

American Credit Acceptance LLCs actions caused avoidable financial harm by allowing interest to accrue unnecessarily and by financially benefiting from delays in the payoff process. I believe the lender failed to act reasonably and engaged in unfair loan servicing practices by not promptly facilitating the payoff and by continuing to collect and apply payments toward interest during a known total loss situation. 

I am requesting a full accounting of the loan from the date of total loss, an explanation for the delays, and a refund of any interest and payments that were improperly accrued or collected as a result of the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
In XX/XX/year> I noticed an unusual entry on my credit report. 
A credit card from XXXX XXXX XXXX was opened in with my name. I has am credit line of {$14000.00} and an outstanding balance of {$99.00}. Of which it is past due. 

I reported the fraud to Barclays Bank fraud division and was told that the card would be put on fraud alert while they conduct investigation. 
Their conclusion as per the letter I received, was that the card is valid and that I or someone I knew opened it. 
This is unsatisfactory. I called XXXX and reported the fraud also. They suggested a police report, which I will do next. 

I, in turn, called Barclays Bank and reported what has transpired since receiving the letter and it has been suggested that when the police report are made to send a copy to it and FTC file number to them via fax. 
XXXX also suggested that I file reports with them also.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

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
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: PR

Complaint narrative:
Date : XX/XX/year> To : McCarthy Burgess and Wolff To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt. 
I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : 1. Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

2. Chain of Title : A complete list of all previous owners of this debt, including the original creditor.

3. Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made.

4. Statute of Limitations : Documentation proving that this debt is within the statute of limitations for legal collection in my jurisdiction. 
Notice of Limited Cease and Desist Furthermore, under 15 U.S.C. 1692c, I am exercising my right to restrict the manner in which you contact me. Cease and desist all telephone communication regarding this matter, whether to my home, my cellular phone, or my place of employment.

All future communication regarding this account must be sent to me exclusively in writing via the U.S. Postal Service at the address listed below.

Be advised that if you fail to provide the requested validation within 30 days but continue collection effortsor if you violate this cease and desist notice by calling meI will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I may pursue legal action for statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: CA

Complaint narrative:
They said that they wouldn't ask for any additional fees then on XX/XX/XXXX they asked me to pay more. After that I requested cancelation and they did not cancel. So I called on XXXX XX/XX/XXXX and they finally canceled and said to call back on today and they would have a tracking # for my refund check. I talked to them today and they said I will not receive a refund check due to an undisclosed 25 % fee that they never mentioned. They stole my money and couldn't tell me what accounts they settled and how much for they are liars and i can't believe they would prey on people who are already having a tough time in life Alleviate debt consolidation is a scam I was with them since XXXX and they refused to give me my money crooks and dont have any information on settled debts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial
State: TN

Complaint narrative:
I opened a Koalafi installment loan account in XX/XX/XXXX for a couch purchase. On XX/XX/XXXX, I noticed a new payment on my account and learned that a refrigerator had been purchased using my financing account without my authorization. I did not approve this transaction, did not apply for additional financing, and did not receive the refrigerator. 

I immediately contacted Koalafi to report the unauthorized purchase and was advised to file a formal complaint. I believe my identity and/or account information was used fraudulently. I am requesting that the fraudulent refrigerator charge be immediately removed from my account, that my account be secured to prevent further unauthorized use, and that this matter be fully investigated. 

I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I participated in Bank XXXX XXXX Individualized Review Process ( IRP ) regarding financial losses I suffered after my account was frozen. I initially submitted XXXX  materials as instructed. I later gathered additional documentation supporting my losses, including evidence of vehicle repossession, storage unit loss, and eviction and housing loss. 

On XX/XX/year>, I sent a supplemental submission by XXXX XXXX mail to the XXXX XXXX, XXXX XXXX, at the address provided for IRP correspondence. This submission included a XXXX XXXX XXXX explaining my losses and supporting documentation. I have the XXXX XXXX  mail receipt and tracking number confirming delivery. 

After not receiving any response, I contacted the XXXX XXXX to confirm receipt and check the status of my case. I was informed that my XXXX case had already been closed and that a final compensation determination had been issued. However, I was not able to obtain confirmation that my certified mail submission was received or reviewed before my case was closed. 

I made a good-faith effort to provide complete documentation and to ensure my submission was properly included in my XXXX file. I am requesting that Bank of America review how my XXXX case was handled, confirm whether my certified submission was received and reviewed, and ensure that my documentation is properly considered.

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 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not answer any of the following questions in my complaint and I have been trying to get answers for the last year and a half. All I get is denial from Bank of America of any responsibility. I have not received any answers to the following questions : XXXX ) Why did it take Bank of America XXXX weeks to act on my fraud when I reported it on XX/XX/year>?? I was told that they would act immediately. Obviously, their delay on acting reduced any chance of recovering all the funds, especially the last transfer done with Bank XXXX XXXX. 

XXXX ) The Wire Transfer done on XX/XX/year> to XXXX XXXX XXXX for {$62000.00} was never received by XXXX XXXX XXXX. I have documentation to prove this. I called on XX/XX/year> to inquire about it. Was told they would look into it. Never received a call back. The funds took 3 months to arrive back to my account. Where were the funds during the XXXX period?? 

XXXX ) The fact I never got a call back from Bank of America, or the funds back into my account from the XX/XX/XXXX wire transfer. I was not aware of the fraud until I was contacted by XXXX XXXX XXXX XXXX investigating this activity on XX/XX/year>. If I was contacted by Bank of America in XXXX with answers to the XX/XX/XXXX wire transfer, I never would have done the XX/XX/XXXX wire transfer of {$100000.00} to Bank XXXX XXXX. 

XXXX ) The Scam Victim Acknowledgement was not received by me until XX/XX/XXXX by email which I immediately signed and emailed it and faxed it back the same day. I notified Bank of America about not receiving it until the XX/XX/XXXX, they mentioned that it was ok and didn't affect the timeline of acting immediately on working on the recovery of the funds. 

XXXX ) Also, why does Bank of America have clients that are fraudsters? Are they in business with fraudulent activity? This is why I believe that Bank of America employees were involved in this fraud. Or is this a case of HUGE NEGLIGENCE on the part of Bank Of America. I believe its BOTH. 

Bank of America did nothing on the recovery of the partial funds. XXXX XXXX XXXX XXXX was the person responsible for the recovery of the partial funds recovered. I have Documentation to PROVE everything listed above. Do I need to file XXXX XXXX in order for Bank of America to respond to my XXXX questions listed above? I also have contacts in the Media, I am considering contacting them to give my full story on this whole situation that occurred with 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 monetary relief
Consumer complaint received 2026-02-20 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: CA

Complaint narrative:
I have repeatedly contacted Bank of America to dispute a fraud claim and have been given inconsistent information, incorrect contacts for follow up and incorrect info about my claim status. 

XXXX fraud claim initiated XXXX Sent email w/ fraud evidence and police report- no response XX/XX/XXXX - Sent email w/ fraud evidence and police report- no response XXXX letter received from B of A saying claim my claim was reviewed and they are denying based on merchant documentation. I called to follow up and was told they never received my documentation and police report. Claim was to be reopened to evaluate this evidence. 
XXXX sent certified mail of fraud evidence and police report- no response XX/XX/XXXX - sent fax of fraud evidence and police report - no response Follow up calls : * numerous calls made from XX/XX/XXXX until today to follow up. 
Most recent : XXXX told no evidence received XXXX told no evidence received XXXX no evidence received XXXX was told claim elevated and reopened and to fax fraud evidence. I faxed- got no response XXXX I called to follow up- was told claim never reopened, but they do have my evidence now that was sent certified mail on XX/XX/XXXX. BUT also said claim would reopened- but immediately had notice on my account that claim was closed. 

I would like a proper review of my fraud claim and clear communication from Bank of America. They have given me XXXX different phone numbers and none ever seem to be the correct department. Was told the email address I was given was incorrect. They make it impossible to clearly dispute a claim.

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

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 ) 1006.34, 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I moved out of the XXXX XXXX XXXX on XX/XX/XXXXXXXX  without any inspections ever being conducted on the apartment. I had submitted request to the leasing office XXXX on XX/XX/XXXX & XX/XX/XXXX. I didn't hear anything about this until XX/XX/XXXX. Per CA Civil Code 1950.5 ( f ) ( 1 ) - ( 2 ) this is a violation of renters rights. Therefore these charges they're claiming are due. This is negatively affecting my credit score. On XX/XX/XXXX I sent certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kimball, Tirey & St. John with notice to reply in 10 days and haven't heard anything back from either party. I've attempted to dispute this charge with XXXX  countless times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
XX/XX/year> i placed and order through XXXX  for two pair of XXXX XXXX, I applied for a loan to pay for the shoes through Affirm and was approved, I have worked with Affirm for some yrs now never having issues paying loans off. My loan through Affirm was approved ( loan id # XXXX ) in the amount of {$440.00}.. I however never received a confirmation from XXXX  acknowledging receipt of my order, transaction # or a shipping notification, so immediately i was prompted to reach out to XXXX  directly to inquire about my order, when i did I sent an email to XXXX  directly requesting that my order be canceled, something was not right. XXXX suggested I contact Affirm which I did now on several occasions disputing the charge based on the fact that I have not received the merchandise that I am being told i need to pay for, I requested for 3 months some type of proof from the disputes that the order was left here at my home and or signed for, they have failed each time and the reason is because it was not received, I was in XXXX provided with a tracking # I requested again proof that the package was signed for and still have not received that and my disputes have been continually denied in favor of XXXX! I live in a area to where packages are stolen from peoples porches daily, the homeless population here is terrible and I do not understand why Affirm can not show proof that my package was actually received as I have asked for on so many different occasions. I contacted the USPS as they asked me to do so that I could file a claim, but because Affirm waited 3 month 's to provide me with a tracking number USPS was not able to assist, I need help with this something is not right about this, soon late fees will be incurred and my credit at risk. I have endless email attempts to bith companies about this situation as well as disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am deeply frustrated and discouraged that the inaccurate accounts are still listed on my credit report and were not taken off. This has been weighing heavily on me. I am begging for a full and serious review of the documents I provided so that this can finally be fixed and I do not have to keep stressing over this any longer.

Company response to consumer: Closed with explanation