vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Tower Loan of Mississippi, Inc.
State: CO

Complaint narrative:
I have received at least two communications from Tower Loan, with payment details. However, I do not have a loan with Tower Loan, and never have in the past. It seems like a phishing attempt to me. 

I got an email on XX/XX/year> with the subject line " XXXX XXXX XXXX from Tower Loan '', body : " Please save the attached payment authorization for your records. '' I did not open the attachment so I can't say what's in it. 

I got another email on XX/XX/year> with the subject line " Payment Confirmation '', XXXX of the email is a photo graphic showing payment amount, a customer ID, and a Payment Ref #. The total amount paid is shown as {$190.00}. 

Both came from : XXXX As I've never had a loan with this company I don't know why they are contacting me. I don't have any transactions on any of my accounts matching this amount either. I don't know if the customer ID they have listed is real- maybe for another person? But it certainly isn't mine.

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 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Giggle Finance Inc.
State: FL

Complaint narrative:
I owe giggle finance weekly on XXXX in the amount of {$70.00} each Monday until my loan is paid off. On XX/XX/XXXX I noticed I had two debits from them in the amount of {$70.00}. I reached out and they said my payment was unsuccessful and I owed them. I showed them proof of the debits from my bank account which is what prompted me to reach out in the first place. They stated again my payment was unsuccessful. Today, XX/XX/year> they debited my card again. I reached out to giggle. They said my payment was unsuccessful. I now have three debits total from them, totaling {$210.00}, while they tell me my payment is unsuccessful and Ive showed them proof of the debits. Interestingly when I go onto my giggle account dashboard it shows Im up to date with my payments. Obviously I no longer trust their handling of things and I wrote them that I would like to revoke automatic payments, and to send me the balance that I can pay by paper check. They gave me a list of consequences I need to agree to before they can grant the revocation. I said no, I have the right to revoke access to my bank info and debit card at any time and they have clearly seen my request since theyve responded. They refuse to revoke automatic payments now, while they continue to debit my account for unauthorized charges. Ive never been late. It shouldnt be my burden that their system doesnt reflect my payment. Ive shown clear proof of payment and requested to revoke auto pay through text and email. Its basically as if Im handing someone cash, and theyre taking it, yet saying no you havent paid yet.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-01-20 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau center, I am submitting a formal complaint against Bank of America regarding the improper handling and denial of a fraud claim and the banks failure to follow through after XXXX escalation. 

I have been a Bank of America customer for over 18 years. On XX/XX/XXXX, I initiated a {$2400.00} wire transfer to an individual who was later confirmed to be an impersonator. I reported the fraud within XXXX hour of the transaction and fully complied with all reporting requirements and documentation requests made by Bank of America. 

Despite this, my fraud claim was denied. In XXXX, I submitted additional supporting documentation, which a Bank of America XXXX later confirmed was never reviewed prior to the denial. The claim was subsequently denied again without explanation or substantive review. 

Due to these concerns, I escalated the matter directly to the Office of the CEO. I received a call from a Bank of America representative assigned to the escalation. During a follow-up call, the representative stated she had not received the emails I previously sent and asked that I resend all documentation, which I did promptly. After that point, she stopped returning my calls and no further response or resolution was provided. 

I also later learned that another Bank of America customer was defrauded by the same impersonator on the same day and received full reimbursement under similar circumstances. ( see attached photo XXXX & XXXX ). My claim, however, was treated differently despite identical facts. 

These actions raise serious concerns regarding Bank XXXX XXXX compliance with fair claims handling practices, internal controls, and escalation procedures, particularly given that : XXXX The recipient of the wire transfer is also a Bank of America XXXX XXXX The fraud was reported immediately XXXX-Supporting documentation was submitted but not reviewed XXXX XXXX escalation was initiated but not completed XXXX claims involving the same perpetrator were approved I am requesting assistance in reviewing Bank of Americas handling of this matter and ensuring that my claim receives proper consideration in accordance with applicable consumer protection and fraud regulations. 

The resolution I am seeking is reimbursement of the {$2400.00} wire transfer. 

Thank you for your attention to this matter. I am happy to provide any additional documentation or records of communication upon request. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is forcing insurance on me for my XXXX XXXX XXXX. I told them that she does not live in my house hold. I change insurance and is no longer with them. They send me to collection for {$960.00}. They are trying to collect money illegally from me. They were trying to charge me {$36000.00} per year just to add my then XXXX XXXX XXXX. I have new insurance at a much lower rate. I need help!! 
This insurance was cancel before the new month started.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I keep receiving callsfrom a company called CACi for XXXX services rendered in XXXX California to a patient named XXXX XXXX. I do not live in the bay and when I called to ask why would they have my number and email under someone's bill the supervisor responded it was mistake. I asked how do you get XXXX from XXXX along with my number, the supervisor said, " are you listening it was a mistake ''. There should be no mistake. I do not live in the XXXX area and I do not know a XXXX. They should not have my number or email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Bank of America Visa credit card onboard XXXX XXXX XXXX cruise ship through Bank XXXXf Americas XXXX promotion on XX/XX/year>. The offer presented to me at the time of application was 0 % APR for 9 months and a {$400.00} or XXXX bonus points which is about {$400.00}. 

The onboard application got declined at first due to a credit freeze under my name. I called all three credit bureaus and got my credit unfroze during the cruise. On XX/XX/year>, while on my cruise, I called Bank of America to continue and finalize my application. Instead of continuing my original XXXX XXXX XXXX application, the Bank of America representative opened a completely new credit card account under a public offer, which did not include the cruise promotion. I was not informed that a new account was being created or that doing so would remove my XXXX XXXX promotional terms. 

This was an acquisition-channel processing error by Bank of America XXXX not a customer error or a change of offer. My original XXXX XXXX cruise application should have been used to open XXXX account and should have carried the 0 % APR for 9 months and the {$400.00} statement credit or XXXX bonus points that were advertised and agreed to at the time of application. 

I am requesting that Bank of America XXXX XXXX XXXX XXXX cruise promotion by applying the {$400.00} statement credit and the 0 % promotional XXXX for 9 months to XXXX existing account, or by otherwise correcting the account to match the original travel-partner offer I applied under. 

I am requesting full promotional reinstatement due to Bank XXXX XXXX error in processing XXXX application. 

I have contacted Bank of America numerous of times since XX/XX/year> and all of the representatives and even the XXXX gave me a runaround which is quite depressing considering I am a loyal Bank of America customer for the last 13 years. I have multiple letters from Bank of America rejecting my requests to uphold their promotional offers. Therefore, I am taking this compliant to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
Loan was paid in full XX/XX/year>. Recently pull my property title and can see that Solar Servicing LLC has not terminated the XXXX Finacial statement. This should have been removed from my title upon payment in full. I have contacted the company many times via email and phone with no one offering assistance. On phone representative XXXX basically told me that i need to go to the county and pay to have them remove the loan off my title. When i asked to speak to a manager i have been denied saying no one is available and they will call back no one calls back. When i ask to speak to someone in the department that can assist with the XXXX termination i am told to send an email. No one gets back to you via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
CAVALRY PORTFOLIO SERVIC Acct # XXXX is not mine I have sent FTC reports and both Police reports to show this debt is not mine and the creditor and collection agency still has not removed it from my credit if this account is not removed in 30 days I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Upstart Holdings, Inc.
State: MI

Complaint narrative:
Upstart 's automated system is incorrectly decoding my VIN ( XXXX ) as a XXXX XXXX XXXX. The XXXX digit of my VIN is " J '', which is the federal legal identifier for a XXXX model year. I have the state-issued registration and XXXX verification XXXX it is a XXXX. 

When I attempted to correct this, representatives were verbally abusive, told me it was " my fault, '' and repeatedly hung up on me. They then allowed my application to expire today while I was actively attempting to provide proof of their internal data error. I believe my phone number has been blocked to prevent me from disputing this inaccurate information. This is a violation of the Fair Credit Reporting Act ( FCRA ) regarding the use of accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau Subject : Complaint Against XXXX XXXX XXXX XXXX XXXX ( License # XXXX ) I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX regarding an alleged debt assigned reference # XXXX. 

1. I received a Small Claims Lawsuit notice via USPS and email ( XXXX ), demanding payment by XX/XX/year>. 
XXXX. On XX/XX/year>, I called OMG to request debt validation ( including a signed contract bearing my signature ) as permitted by the Fair Debt Collection Practices Act ( FDCPA ). 
- The agent hung up on me without addressing my request. 
- Subsequent call attempts were similarly cut off. 
XXXX. I have never received proof that I entered into the alleged contract. I do not recognize this debt. 
XXXX. OMG has failed to provide any verification or cooperate in good faith, and they are using a lawsuit threat to collect. 

Requested resolution : - Provide complete validation of the debt, including a copy of the signed contract. 
- Cease all collection activity until validation is provided. 
- If this is not their account, drop the lawsuit immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Complaint Ref : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
My identification was stolen and a loan was taken out in my name using my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have maintained a negative balance of {$410.00} since XX/XX/year>, which is the direct result of overdraft fees assessed by U.S. Bank, not spending beyond my available funds. 

U.S. Bank advertises a program in which overdraft fees may be waived if a specified deposit amount is made within 24 hours. Despite complying with this program and taking repeated steps to manage my account responsiblyincluding turning overdraft protection on and offI have continued to be charged overdraft fees. 

U.S. Bank charges {$36.00} per overdraft transaction, and these fees have compounded over time. The continued assessment of overdraft fees occurred regardless of my overdraft protection settings, and my account balance remains negative solely due to these fees, not due to new debit transactions or spending. 

I have contacted U.S. Bank multiple times to dispute these charges and to request assistance or correction. However, U.S. Bank has declined to meaningfully resolve the issue, leaving my account in a prolonged negative status caused entirely by overdraft fees.

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 2026-01-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, JPMorgan Chase contacted ME to inform me that my checking account had been compromised and that unauthorized XXXX transfers had occurred. I was required to come into a Chase branch and was told the fraud was being addressed. 

Despite Chase having actual notice of account takeover fraud, Chase failed to close the compromised account or issue a new account number. As a direct result of Chase leaving the account open, unauthorized XXXX transfers occurred two additional times, draining my account on three separate occasions.

Because Chase failed to secure the account after identifying fraud, my paycheck was stolen the following week. Additionally, funds connected to the cash down payment I made for a car purchased in XXXX were accessed and stolen, which caused the car dealership to pursue me for payment. My account just showed as negative {$2000.00} the other day which I was just told today ( XX/XX/XXXX ) that they will not close my account down and I am liable for the down payment that I already paid which again, was stolen. 

The total amount of unauthorized transfers and related losses is approximately {$12000.00}. 

It has now been over 30 days since Chase identified and reported the fraud to me, and Chase has failed to issue provisional credit as required under Regulation E for unauthorized electronic fund transfers. 

Chases failure to protect my account after notice, failure to prevent repeat fraud, and failure to issue provisional credit has caused severe financial hardship. 

I am requesting immediate reimbursement of all unauthorized transfers, issuance of provisional credit, and a written explanation for why my compromised account was left open after fraud was identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app In XX/XX/year> someone hacked my account and took {$1400.00} and sent it to my nephew, I immediately closed the account and fear that they would take more money than I did not have, my nephew rejected the funds and now Ive opened a new Cashapp account and Ive been trying on the phone for several days about XXXX hours of phone time and also talk with a XXXX by email and they will not put the money from the old Cashapp account into my new Cashapp account and theyre now telling me that I will have to go to the state to get my money and file for lost funds. They have an essence stole my {$1400.00} and told me they cant recover it while its still in their account. I heard after 60 days they can claim the money for themselves. 

Thank you for your attention to this matter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have an Amex Gift card with {$4.00} remaining balance. I would like the {$4.00} remaining made available to me. There is nowhere I am able to spend it.

Company response to consumer: Closed with monetary relief