vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> i received a call from the same toll free XXXX number used by navy federal cu so i answered it. The person on the other end identified himself as navy federal rep from their fraud dept. The caller went on to ask me non red flag questions to verify my identity before proceeding to ask if i had made any recent purchases using my NFCU issued cc. The retailer they asked about was XXXX i think but i am not totally certain now. In any case the call continued for sometime and after over XXXX we were disconnected unexpectedly. I then immediately called NFCU back on the same XXXX number only to be told they had never called me earlier. We then began the mess of resetting passwords, PIN, code words, cancelling original cc and reissue of new cc in mail. I did an initial appeal which was denied as well as a XXXX one which was also denied. I contacted my XXXX XXXX who suggested i write a letter citing the fair credit act requesting NFCU reverse or remove the fraudulent charges of $ XXXX XXXX never authorized and based on my spending history have never charged anything this large much less charged anything from XXXX where i think these charges were shown to be done on my statement?! The credit union still refuses to change things so i have since frozen my credit and initiated disputes with atl XXXX credit bureaus as well as submitted complaints to the Federal Trade Commission, XXXX XXXX XXXX XXXX, and Missouri Attorney General Consumer Protection Department. I have gone ahead and closed my NFCU accounts except for minimum balances required to keep accounts open and i hsve only just in the last week activated the new issued cc but have kept them frozen. I should also add because i have had multiple cc fraud issues in the past with XXXX and or others i have tried to mitigate my risk by setting my preferences for any transactions on my accounts at {$1.00} so i should receive text messages to alert me before any suspicious activity is charged but yet i did not receive any such messages before these fraudulent charges were allowed. I also should note i had notified NFCU i had started getting strange calls from their XXXX number that were not NFCU previously as either phishing or other bad actors both before this incident in XXXX and after which i reported either verbally or email or both. Thank you XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity theft, I provided my identity theft affidavit, I disputed all the charges because I did not authorize any of them and was denied and I appealed the denied and was denied again with no supporting documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports, I noticed several accounts that I am not familiar with. I requested validation of these debts from the credit reporting agencies ; however, the information has not been provided.Because my information was compromised, I submitted a complaint to the FTC reporting the accounts I do not recognize. Attached you will find a copy of my ID, the FTC complaint, documentation from the XXXX showing that my information was exposed in the XXXX XXXXXXXX XXXX, and my validation of debt letter.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Reporting fraudulent activity that occurred on my Credit Karma money account on Sunday, XX/XX/XXXX between XXXX and XXXX est. Due to their negligence an unauthorized user was able to access my account issue a virtual debit card and use that virtual card at a XXXX in XXXX Ohio to withdraw all of my money from my account. Prior to this happening, I noticed several small transactions along with {$.00} international fees for each {$9.00} transaction on Sunday XX/XX/XXXX around XXXX eastern time. I immediately reported the fraud and began a dispute and locked my debit and credit card and yet somehow an unauthorized user was able to still access my account from an unrecognized device even after I flagged it for fraud. The unauthorized user successfully processed the transaction at the XXXX in XXXX, Ohio for money orders in the amount of {$2000.00}. Additionally, they were able to do a money back or cashback transaction in the amount of {$700.00} ( confirmed by XXXX XXXX XXXX : XXXX XXXX. Credit Karma approved the disputes for the {$9.00} transactions and the {$.00} international fees but denied the dispute totaling {$2700.00} even though they confirmed fraud occurred and approved the disputes on the other smaller transactions. My account was accessed and password changed by an unrecognized device at approximately XXXX est on Sunday XX/XX/XXXX. Credit Karma has not yet provided documentation as to why they approved the minor disputes but denied the main dispute. I filed a complaint with the CFPB consumer financial protection bureau, as well as the FTC about XXXX already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I followed BOA 's instructions on how to opt out of BOA 's arbitration provision, on XXXX XXXX 2026, and then I requested BOA XXXX mail me written confirmation that I did complete all BOA requirements to opt out of arbitration. But BOA refused to mail it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX ct ] [ XXXX, Tx, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] [ JEFFERSON CAPITAL SYST ] [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX ] RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : [ Insert Account Number ] To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within XXXX calendar days from the date of this letter : XXXX. The original signed contract or application bearing my signature showing liability for this debt. XXXX. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. XXXX. A copy of the bill of sale or purchase agreement showing your agency legally owns

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by XXXX Data under Account # XXXX * * * * Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within XXXX days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activity ( including credit reporting ) until they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal " debt parking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). I disputed a XXXX XXXX XXXXXXXX account that is currently being reported as a charged-off account on my credit report. After investigation, the credit bureau responded that the account was " verified as accurate. '' However, on XX/XX/year>, I received a written response directly from Bank XXXX XXXX stating that due to a fraud claim associated with this account, the account information is not being reported to the consumer reporting agencies. Despite this, the credit bureau continues to report the account as a negative tradeline. This is a direct contradiction between the data furnisher ( XXXX XXXX XXXXXXXX XXXX and the credit reporting agency. Under 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to ensure maximum possible accuracy and conduct a reasonable reinvestigation. Continuing to report an account that the furnisher has indicated should not be reported demonstrates a failure to comply with these legal obligations. I am requesting : XXXX. Immediate deletion of this account from my credit report XXXX. A detailed description of the method of verification used XXXX. Identification of the party that verified this account and supporting documentation If this matter is not corrected, I am prepared to pursue further action under applicable law. Supporting documentation from Bank XXXX XXXX is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by Credit Collection under Account # XXXX * * *. Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within XXXX days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only XXXX in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal debt parking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I financed a XXXX XXXX truck bed cover for {$1500.00} through Affirm. The product experienced a catastrophic structural failure when a hood hook mechanism failed while I was traveling at XXXX mph on the highway. The topper detached from my vehicle completely, creating XXXX XXXX hazard and forcing other drivers to take evasive action to avoid being struck. I have photographic evidence of the failed hook that caused the detachment. I returned the defective product to XXXX. Affirm opened a dispute on my behalf. XXXX provided information to Affirm characterizing the charge as valid without disclosing that this was a defective product safety failure. Affirm denied my dispute based on XXXX 's characterization without investigating the defective product claim or requesting my photographic evidence of the failure. I am now being told I owe {$600.00} and that Affirm will report this to my credit. This debt stems entirely from a dangerous product defect, not a return policy disagreement or buyer 's remorse. Affirm 's investigation failed to address the actual basis of my claim and accepted merchant misrepresentation at face value. I am requesting that Affirm reopen and properly investigate this as a defective product claim, review my photographic evidence of the structural failure, and remove any adverse reporting related to this account while the matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 - DiscloXXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, my vehicle was repossessed and my account was closed by Westlake Financial. I am a 100 % XXXXXXXX XXXX, and at the time of this repossession, I was on XXXX XXXX military orders ( STP Tour ) which ran from XX/XX/XXXX, to XX/XX/XXXX. This repossession was a violation of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3952. Because I entered into the installment contract for this vehicle in XXXX to my period of military servicethe law strictly prohibited the company from repossessing the vehicle without a court order while I was on XXXX XXXX. To my knowledge, no such court order was obtained by the company before they took the vehicle in XX/XX/XXXX. This illegal action has caused significant financial hardship and long-term damage to my credit report. I am seeking a full investigation into this violation and appropriate legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: TX

Complaint narrative:
CFPB Formal Complaint : XXXX XXXX XXXX XXXX XXXX : PNC Bank Consumer Redress Sought : Credit of {$400.00} ( Promotional Reward ) Description of Incident I am filing this complaint regarding a promotional account opening reward of {$400.00} that PNC Bank is refusing to honor, despite multiple written assurances from their representative, XXXX XXXX, that all criteria had been met. XXXX. Initial Misrepresentation : Before opening the account, I expressed a preference for online transactions. I asked XXXX XXXX specifically if this would disqualify me from the {$400.00} reward. She confirmed in writing that this was acceptable and that I would qualify. Based on this written professional assurance, I opened the account and deposited my funds. XXXX. Ongoing Negligence and Misleading Advice : During the XXXX qualifying window, I remained proactive. I visited the branch in person and sent several emails to XXXX XXXX, explicitly asking : " Have I met all criteria? Is there anything else I need to do ( transactions, etc. ) to ensure the reward is paid? '' On multiple occasions, XXXX XXXX provided written confirmation that : All criteria had been met. Our transaction history was sufficient. We simply needed to wait for the XXXX " processing window '' to close. XXXX. XXXX XXXX Denied Claim : Immediately after the qualifying window closedleaving me with no way to rectify any alleged " missing '' transactionsMs. XXXX emailed to state we were disqualified because we did not perform specific card transactions. This directly contradicted her previous written statements where she confirmed our account was in good standing for the reward. Conclusion This appears to be a systemic issue where customers are intentionally misled by staff to keep deposits in the bank, only to have the reward denied once the deadline passes. I have retained all written correspondence from XXXX XXXX confirming our eligibility. I request that PNC Bank honors the original agreement and credits the {$400.00} reward to my account immediately, as I fulfilled the requirements based on the instructions provided by their authorized agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Credit builder card unauthorized transaction {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
After reviewing my consumer report, I identified a late payment that is inaccurately reported, as I have never been late and the creditor has failed to provide any proof or verification ; this account was reported without my written authorization, is not associated with any transaction I authorized, and therefore falls outside the permissible purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), requiring correction to paid as agreed or deletion under 15 U.S.C. 1681e ( b ) and 1681i, which mandate maximum possible accuracy and the prompt correction or removal of any inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: Self Financial Inc.
State: CA

Complaint narrative:
XX/XX/year>. {$1600.00} XXXX rental truck. I did report my self.inc too. I did booked appointment XXXX first week. For rent truck on XX/XX/XXXX. Total over {$3000.00} and drive Florida to California. For move out live California. I called budget if truck pick up ready XXXX? He keep hung on me because Im XXXX. So I show up budget store and ask why hung on me? He say sorry thought scammer. So I ask where truck? He say sorry delay maybe later XXXX so he ask me go ahead paid full amount. I use XXXX card. XXXX credit card self.inc debit to pay $ XXXX another XXXX bank {$1400.00}. Then truck arrive XXXX and not happy because wrong size small XXXX. I order big XXXX foot truck. Im mad and I told him cancel and want refund back. Waste my time. He say wait XXXX days process refund. I been wait and already move here XXXX. I kept call budget rent trucks they ignore me. Self.inc decide took money back because they wait for me report back. I did.

Company response to consumer: Closed with explanation