vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I contacted BMO XXXX after receiving a {$1000.00} cashback offer by mail and spoke with XXXX ( XXXX ), who scheduled an appointment for XX/XX/year> between XXXX XXXX and XXXX XXXX. During my visit on XX/XX/year>, XXXX explained the requirements for the {$1000.00} cashback offer and stated that I needed to maintain a {$20000.00} account balance within the first 90 days to qualify, plus, I have to get the direct deposit activated. I clearly informed her that my monthly salary was slightly above {$3000.00}. Based on this discussion, she proceeded to open my account and asked me to deposit {$100.00} in cash to activate it. On XX/XX/year>, I emailed XXXX to inquire about the cashback status. She responded that the cash bonus would be deposited approximately 100 days after account opening and noted that it had only been 91 days at that time, meaning the XXXX day would be XX/XX/year>. On XX/XX/year>, after 124 days had passed without receiving the cashback, I emailed XXXX again for an update. On XX/XX/year>, she replied that I was not eligible because the required {$20000.00} balance had to come specifically through payroll direct deposits, a condition that had never been disclosed to me earlier. In that email, she clearly mentioned that the disclosure was given to me after the account opening. When I requested information on how to file a complaint, XXXX XXXX ( XXXX ), XXXXXXXX XXXX manager at BMO, stated that XXXX did nothing wrong and could file the complaint on my behalf, which I declined. On XX/XX/year>, I contacted customer service and spoke with XXXX, who filed a complaint on my behalf and provided reference number XXXX. On XX/XX/year>, I received a call from BMO ( XXXX ). The guy promised me to check with the branch manager and will reach out to me the next day on XX/XX/year> but didn't contact me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I applied for a new car loan through XXXX XXXX and they forwarded my application to a different company called XXXX XXXX XXXX who denied my application. The letter they sent did not provide a reason nor my credit score. They required that I send them a letter within 60 days to find out why they denied the application. They are required by law to send the reason and my credit score in the denial letter, not write to them to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Collection agency XXXX XXXX XXXX XXXX. XXXX XXXX, GA XXXX XXXX Consumer Dispute CenterP.O. XXXX XXXX, PA XXXX XXXX Dispute P.O. XXXX XXXX, TX XXXX XXXX XXXX, Inc.Attn : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Sometime before XX/XX/year>, PNC bank claims " letters were sent that explained some accounts were being reverted back to paper statements '', this letter is not listed anywhere within my account portal so only hard copies would be available which PNC bank has failed to provide upon request. Sometime before XX/XX/year>, PNC Bank overrode my longstanding settings for paperless statements in favor of sending paper statements without further notification. I have 3 accounts open with them and 2 with positive balances, and only 1 with a balance larger than 1 dollar. On XXXX, XXXX PNC bank posted a {$3.00} " Paper Statement Fee '' for my account with less than {$1.00} in it to my main account and then on XX/XX/year> charged another {$3.00} " Paper Statement Fee '' to my main account. On XX/XX/year> I returned from a 2 week trip to discover a paper statement in my mailbox and immediately investigated since I have not opted into paper statements in years. To the best of my recollection I was an early adopter of paperless statements to declutter my mailbox and opted in as soon as they were offered almost a decade ago with this bank and these accounts. I immediately opened a support case with PNC and they have so far been unable or unwilling to reverse the fee charges. An account team member has attempted to reach out by phone but doesnt take action on this simple resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: COMMERCE BANK
State: MO

Complaint narrative:
I applied for a personal loan in XXXX with commerce bank with my truck as collateral I payed that loan off in full and reopened another personal loan in XXXX 9 months ago with the same truck and today upon trying to refinance to get a better rate there telling me I cant without a XXXX party signature because someone else is on the title the title is stated and or which legally states either party can do whatever with the vehicle without the others consent them requiring me to have a XXXX party signature now with the same vehicle in the same situation violates my banking privacy I shouldnt have to share any private information of what XXXX doing with anybody they dont want me to refinance to get a better rate and they know this will keep me in the same loan please help I spoke with XXXX XXXX XXXX of loan processing and she stated she made an exception to the policy and the other policy she stated was done incorrectly and she know wont let me do it I will speak to her boss tomorrow XXXX but if there is anything you can do or need me to do further let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Third Dispute / Failure to Validate/ Continued Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint regarding continued inaccurate and unverifiable reporting after multiple disputes and repeated failures to conduct a reasonable investigation, and my method of verification letter was ignored. I previously disputed the following accounts on multiple occasions Portfolio Recovery collection agencies and/or This is now my third formal dispute concerning these accounts. - Portfolio Recovery /Collection ( acct ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite repeated requests, this company have failed to provide competent evidence validating the alleged debt or confirming the accuracy of the information being reported. Instead, the accounts continue to be reported in a manner that appears inaccurate, misleading, incomplete, or unverifiable. I requested : -Legal authority/ who gave permissible purpose to access credit report. - Original signed credit agreement or contract - Complete payment history /accounting history - Method of verification - Proof of legal ownership or assignment - Date of first delinquency - Documentation supporting the reported balance, late payment, charge offs, or any adverse reporting -Full Name of individual or entity who performed verification -Proof of offer and acceptance -Full chain of assignment To date, these documents have not been provided. The companies continues reporting the account despite failing to produce sufficient evidence supporting its accuracy. I believe this may constitute failures under the Fair Credit Reporting Act, including but not limited to failure to conduct a reasonable investigation after receiving notice of dispute pursuant to 15 U.S.C. 1681s-2 ( b ). In addition, continued reporting of disputed information without competent verification has caused ongoing harm to my credit profile, financial opportunities, and overall consumer standing. I respectfully request that the CFPB : - Investigate this matter - Require the company to provide proper validation - Require correction or deletion of unverifiable information - Ensure compliance with applicable federal consumer protection laws I also request written confirmation of the results of any investigation conducted regarding this complaint with updated reports mailed to address above. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute this collection account and request immediate action regarding its continued reporting and collection activity. I was shocked to discover a debt being attributed to me that I do not recognize, have not verified, and do not believe belongs to me. The ongoing collection efforts, including repeated communications and references to potential legal action, have caused significant concern and unnecessary hardship. As a consumer, I have the right to expect that any debt being reported or collected is accurate, properly documented, and legally enforceable. To date, I have not received sufficient evidence establishing that I am responsible for this alleged obligation. The continued reporting and collection of an unverified account is unacceptable and has negatively affected both my financial standing and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My debit card was used fraudulently to make purchases from XXXX on XX/XX/XXXX and XXXX. I did not authorize the transactions and promptly reported the fraud to my bank. The bank refunded my money on XX/XX/XXXX and XXXX, but then denied my claim on XXXX and alerted me that they will be debiting the money from my account. After the initial fraudulent transactions that occurred on XX/XX/XXXX and XXXX, additional attempts were made to make additional fraudulent purchase from my account, which prompted me to call the fraud department at my bank again to request that my banking account information be changed. At which time, my virtual card information was deleted and my debit card number was changed again and I did not have any more issues. Given that additional attempts were made and it was determined by the fraud department that my digital wallet had been compromised, I think that it is more than fair to say that they are aware that the the charges were fraudulent, but denied my claim anyway. Additionally, I verified the charges that were accurate, which were more than the amount of the charges that I filed the claim for. If I was going to pretend that the charges were fraudulent, It would have been more beneficial to me to make claims for the other charges as well. Bank of America did not protect me or my account and has failed to make right charges that were found to be fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have never had a Capital One credit card and on XXXX XXXX, 2026, I received a Capital One ( XXXX XXXX ) credit card in my XXXX Mail with my name and address. I immediately called them to let them know I did not apply for this car and I wanted it cancelled immediately. They did nothing because they said my information ( XXXX XXXX, XXXX, etc. ) did not match. They just referred me to the Credit Bureau 's and I would have to dispute with them. I told them this was unacceptable to me. I ran my credit reports and obviously this credit card was not showing up anywhere. As a XXXX, I can't believe they are not responsible for providing me with info on why I received their credit card and also cancelling this card when I provided all my info to validate who I am. Guess I will now have to be extra vigilant to make sure no one used this account that I am not activating, but they will not close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding Capital Ones repeated denial of a valid billing dispute involving a cancelled airline flight for which no proper refund was provided. I purchased an XXXX flight directly with my Capital One card. The airline later cancelled the flight due to evolving geopolitical conditions, which was confirmed in writing by XXXX. The airlines cancellation notice explicitly offered passengers a full refund, credit account, or flight change. After the cancellation, I attempted multiple times to obtain the refund directly from XXXX. However, the airlines support system and chatbot malfunctioned and placed me into an endless loop that prevented the refund from being processed. The chatbot also incorrectly stated that I booked through a travel agency, despite the booking being made directly with XXXX. I submitted documentation to Capital One showing : - The airline cancelled the flight - XXXX offered a full refund - The flight was involuntarily changed to a different day - The merchants refund process failed- I attempted repeatedly to resolve the matter directly with the merchant Despite this evidence, Capital One denied my dispute XXXX separate times. This dispute concerns services not provided and failure of the merchant to issue the promised refund after cancelling the purchased service. I believe Capital One failed to properly investigate the dispute and failed to reasonably evaluate the documentation provided. I am requesting that Capital One : XXXX. Reopen and properly review the dispute XXXX. Conduct a manual review of the evidence submitted XXXX. Provide a detailed explanation for the repeated denials despite clear documentation of merchant cancellation and failed refund processing XXXX Credit the disputed amount for the cancelled service that was not properly refunded I am attaching supporting documentation, including : - XXXX cancellation notice - Refund offer from the airline - Screenshots of failed refund attempts and chatbot loop - Flight change details- Evidence showing the booking was made directly with XXXX Thank you for your assistance in this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX and XXXX XXXX took out several lines of credit by my identity committing theft and fraud. They access my fund and have been taking several charges from Wells Fargo, XXXX, etc.

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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I canceled returned, and terminated a lease from acima lease number .. XXXX. Acima sold this lease to a 3rd party XXXX XXXX XXXX XXXX as a defaulted lease. No success on contacting XXXX, so I went to acima support, on XX/XX/XXXX XXXX I spoke to Acima they confirmed this lease was now bought back as an error on thier part. I followed all proper procedures to return and cancel my leases. Acima acknowledged the returns. This lease should of never been sold to XXXX. However even though Acima say they corrected the error. I believe thier system is still blocking my identity with inaccurate negative flag. Still showing the defaulted lease. when I apply for a new lease I keep getting denied, as of before I would be approved, I have a purchasing power of {$2500.00} which I no longer have access too, after this glitch .. I demand my internal profile be fully cleared of any delinquency history by acima. They now claim they dont see this action at all, and there is nothing that can be done. And the reason im getting denied is because I terminated the lease. I terminated a lease before and I was approved for a new lease, so I find this not to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is a follow-up to the written billing dispute I mailed via standard XXXX on XX/XX/XXXX. Because I had not received a response to my original letter, I followed up via phone call with the Comenity Bank for the XXXX XXXX Credit Card on XX/XX/XXXX and filing this complaint with the CFPB on XX/XX/XXXX. I am disputing a deferred interest charge of {$320.00} applied to my XX/XX/XXXX statement plus any and all accruing fees, totaling {$420.00} to date. To review, in XXXX of XXXX I made a wedding jewelry purchase of {$1000.00} with a XXXX month deferred interest plan at XXXX XXXX XXXX XXXX. As a former XXXX employee, I am required to understand the terms of the XXXX XXXX Credit Card. On XX/XX/XXXX, the balance for this promotional plan was {$650.00}. The plan was to expire XX/XX/XXXX, however, to fulfill my obligation and zero out this plan rather than increase my overall credit usage, I made an exact payment of {$650.00}. On that same day, I made a holiday gift purchase on a new, separate XXXX promotional plan. The new promotional plan would expire in XX/XX/XXXX. I maintained an active {$100.00} auto-pay to handle standard balances and pay a little bit more than the monthly minimum, further proving my explicit intent with the {$650.00} online payment was to eliminate that plan. Comenity Bank allocated my {$650.00} payment to new purchase rather than treat it as a total payoff and apply it to the soonest expiring plan which is standard practice. This allocation happened without my consent or knowledge, and directly caused the original XX/XX/XXXX plan to show a remaining balance, triggering retroactive interest in XX/XX/XXXX. This goes against consumer intent and standard industry practices for expring promotions and after multiple attempts trying to reolve with the Creditor and their response that " There is nothing they can do, '' shows Comenity Bank conducts predatory business practice acting against the spirit of consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
On XX/XX/year>, I transferred XXXX cryptocurrency from my verified XXXX account to my Robinhood XXXX account as part of Robinhoods cryptocurrency transfer promotion. Robinhood accepted the transfer, credited the XXXX to my account, and awarded the promotional transfer bonus. On XX/XX/year>, Robinhood notified me that my cryptocurrency transfer functionality had been permanently restricted. Robinhood informed me that I may continue to buy, sell, and hold cryptocurrency and may withdraw cash proceeds to my linked bank account. However, I am no longer permitted to send or receive cryptocurrency. I requested information regarding the reason for this restriction, the specific provision of the customer agreement that was allegedly violated, and whether any review or appeal process exists. Robinhood informed me that the decision is final but has not provided a specific explanation for the restriction. The transfer originated from my own verified XXXX account and was accepted by Robinhood. Robinhood also awarded the promotional transfer bonus associated with the transfer. I am requesting that Robinhood review the restriction and provide clarification regarding the basis for the decision, the specific activity that resulted in the restriction, and whether any further review process is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: TX

Complaint narrative:
My credit report shows this loan was created XX/XX/year> and it has been 7 years and they wont delete it after I have disputed it on my credit

Company response to consumer: Closed with explanation