vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Missing Balance Transfer Funds Formal Explanation To Whom It May Concern, I am writing to formally document an issue regarding a balance transfer that was initiated on my account, which has not been received as expected. On or around XX/XX/year>, I requested a balance transfer in the amount of {$8500.00} from my Bank of America credit card account to my personal checking account at XXXX XXXX. After waiting approximately 10 days without receiving the funds, I contacted Bank of America for clarification. During this inquiry, I was informed that the transfer had been processed ; however, the funds were reportedly sent to an entity identified as XXXX ( or XXXX XXXX XXXX ), rather than being deposited into my XXXX checking account as requested. I would like to clearly state that : I do not have any mortgage, loan, or account with XXXX or any related entity. I did not authorize or request for the funds to be sent to this third party. The intended destination for the transfer was my personal checking account. Following this discovery, I have taken the following actions : 1. Contacted Bank of America to report the issue and request a trace on the transferred funds. 2. Requested clarification regarding how and why the funds were redirected to an unknown entity. 3. Began efforts to identify and contact the receiving entity ( XXXX ) to determine whether the funds can be located and returned. As of today, the funds in the amount of {$8500.00} remain unaccounted for, and I am seeking immediate resolution, including a full investigation and recovery of the transferred amount. This situation has caused significant financial inconvenience, and I respectfully request urgent attention to resolve this matter as quickly as possible. Please provide written confirmation of receipt of this letter, along with updates regarding the status of the investigation. Sincerely,

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This complaint concerns an inaccurate and disputed collection account related to commercial rent during the COVID-19 shutdown period. My business, XXXX XXXX XXXX XXXX, was legally required to close due to government mandates, making it impossible to operate or generate income during that time. Over the course of approximately XXXX year, the property owner repeatedly contacted me asking what I believed I could pay toward the balance. The amounts discussed were inconsistent and changed multiple times, indicating that the total balance was not clearly established or agreed upon. When I later received a ledger, I conducted a detailed, line-by-line review and identified multiple discrepancies, missing charges, and inaccuracies. I documented these issues in writing and sent them to the owner for clarification. Instead of addressing the inaccuracies, the owner refused to correct the ledger and proceeded to send the account to collections for the full disputed balance. Based on the timing, I believe this was done in bad faith and in retaliation for questioning the accuracy of the charges. Additionally, I was charged a fee related to re-leasing the unit after I vacated, despite the fact that I personally found a replacement tenant who took over the lease immediately, as instructed by the property owner. This charge was not justified and further contributes to the inaccuracy of the total balance being reported. The amount currently reported does not reflect prior discussions, proposed adjustments, or the unresolved discrepancies in the ledger. I have disputed this account with the credit reporting agencies, but it continues to be reported as verified despite these issues. I am requesting : Full validation of the alleged debt, including a complete and accurate ledger Correction of the reported balance to reflect accurate and justified charges only Removal of this account from my credit report if it can not be properly validated This account is negatively impacting my credit and my ability to obtain reliable transportation, and I am requesting a thorough investigation into the accuracy and legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Netspend Corporation
State: UT

Complaint narrative:
This is an ongoing issue from a previous complaint. I still have no ability to access my account and can get no one that can help me regain that access. I have been running around the XXXX, given solutions several times that simply don't work and now no one will contact me because they closed the previous complaint saying they resolve my issue. My issue is still the same as it was when I called XX/XX/XXXX. I can not log into my account which means I can not manage any of my funds that are deposited into it. I would appreciate a quick and proper response to why it is so hard to get someone into an online account.

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 2026-04-08 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Let an apartment complex keep charging my account after I left

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake Financial has failed to accurately report my auto loan for the last XXXX months. I made all payments on time and also paid the loan off early, but Westlake has not updated the account to reflect the missing on-time payments, accurate payoff status, {$0.00} balance, and paid/closed status. This is incomplete and inaccurate reporting under FCRA 15 U.S.C. 1681s-2. I request immediate correction of all missing payment history and full update of the account across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX, I was rewarded {$2000.00} total from XXXX XXXX in American Express Virtual Reward cards ( 6 month expiration ). On XXXX XXXX 2026, these reward cards are no longer accessible. I do not have access to the information to check their balance or spend the money. There are 4 different cards with {$500.00} total on each. In order to access the balance or spend the money - I would need access to all information. American express " phone number for these gift cards is not going through and customer service is not responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I entered into a solar financing agreement through GoodLeap for the installation of a solar energy system at my home. This loan was presented as being directly tied to a fully installed and operational system that would provide energy savings and long-term functionality. However, the system has not been functioning as promised and has been non-operational for an extended period of time. Additionally, the original solar installer associated with this project has filed for bankruptcy, leaving the system incomplete, unsupported, and without proper servicing or resolution. Despite the system not producing energy and not delivering the agreed-upon benefits, I am still being held responsible for repayment of the loan. This constitutes a failure of consideration, as the product and services tied to the financing agreement were not delivered as contracted. Furthermore, the loan terms and structure were not clearly disclosed at the time of signing, including key details related to responsibility, system performance expectations, and recourse in the event of installer failure. This raises concerns of misrepresentation and potentially unfair or deceptive lending practices. I have attempted to seek resolution, but I have been redirected without a clear path forward, while still being required to make payments on a non-functioning system tied to a defunct installer. Given these circumstances, I am formally requesting : Immediate investigation into this loan and associated agreements Suspension of payment obligations during the investigation Consideration of loan cancellation, discharge, or appropriate financial remedy due to failure of service and breach of contract. This loan is directly tied to a product and service that has not been delivered as agreed, and I am seeking a fair and lawful resolution. I am also submitting supporting documentation, including communications, system status, and evidence of installer bankruptcy, to substantiate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In response to my written debt validation demand, Resurgent Capital Services provided an Account Summary Report dated XX/XX/XXXX. That document contained the following disclaimer printed at the top in their own words : This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC. It is not a credit card or other account statement from the original creditor. Resurgents own response admits what they provided is not original creditor documentation. This does not constitute valid verification under FDCPA 809 ( b ) or FCRA 623 ( b ) per the standard established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires verification from the original creditor not a self-generated summary. Additionally Resurgents initial written communication dated XX/XX/XXXX failed to include three of the five required disclosures under FDCPA 809 ( a ) specifically the 30-day dispute right, the written dispute verification trigger, and the right to request original creditor information. Despite this inadequate response LVNV Funding LLC continues to report an active collection of {$430.00} on my XXXX XXXX, and XXXX credit files with monthly updates refreshing the derogatory status. As a direct result of inaccurate and unverified negative reporting I was forced to accept a subprime auto loan at approximately 20 % APR in XX/XX/XXXX requiring my XXXX daughter as cosigner representing approximately {$14000.00} in excess interest charges compared to prime rate financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted Capital One when I got the notification from my tax prepared that my money was sent to the account that did not have my name on it I tried to provide them the trace number the account and routing number of where the funds were received and they refuse to accept any of the information because I do not have account with Capital One my text prepare also try reaching out to them and they wouldn't provide any information for them also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monteray Financial reported a negative mark on my credit report and I wasnt notified in writing. I am now filing a lawsuit toward them for this and also the amount reported being inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: NV

Complaint narrative:
In XX/XX/year>2026 we filed a dispute on a fraudulent charge of {$230.00} from XXXX on out Huntington Bank Business Account. The funds were put back in the account and a few weeks later we get a letter in the mail stating we need to do their investigation for them. That is NOT how the law works, and Huntington Bank has been doing this for years and have not been stopped. We had the same issue on our personal account several months ago ; after filing this report the money was put back in our account and the bank ruled it was an error. As a banking customer it IS NOT my job as the customer to PROVE that the charge was fraud. It is the company who processed the charge to PROVE that it WAS NOT fraud. Failure to update your dispute process will result in legal action being filed, I'm sick and tired of the way Huntington Bank does things. I've already opened a new personal account, and I'm about to do the same for my business account is this keeps up. Now my business account is negative {$230.00} and they hit me with a penalty as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I have an online savings account with XXXX by Santander. I was supposed to receive 4.03 % interest on $ XXXX and they shorted me roughly {$50.00}. They paid interest at around 3 % instead of 4 %. I provided proof and basic math to back my claim and they do not seem to care. Interest paid should have been roughly {$680.00} and they paid out {$620.00} instead.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
On XX/XX/year> I sent a certified letter to Sentry Credit Inc requesting validation and verification of the debt being reported on my credit file the amount of {$1600.00}. Per XXXX tracking the letter was received on XX/XX/year> and signed for. However, I have not received a response. I am including of copy of the letter sent, a copy of the certified mail receipt as well as proof of delivery. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
The company would be the widely known cash app. The amount taken from me was XXXX dollars and a separate amount of XXXX dollars. The person did not attempt to fix the issue or return the amount. The XXXX dollars was on XXXX/2026. I filed a complaint to cash app about the scam and requested a refund while providing documentation of the conversation with the individual. Transaction number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: SD

Complaint narrative:
Found out that in XXXX of 2025 someone had taken out a card with this bank under my name, had charges in Kentucky all on one day. I live in South Dakota. I found out thru a monitoring service that a claim had been made of not paying, delinquent charges..... was affecting my credit, I had contacted a number of different numbers with Barclay XXXX over 12 thru their systems 4 to 5 times each. Fraud department acknowledges on the phone the charges are not mine, it is a fraudulent charge and card yet nothing happens to resolve this. I have been declined credit because of these outstanding charges, delinquent account and negative performance. have not received any response or help from Barclays They, Barlcays, just keep referring me to different departments, telephone numbers, the monitoring agency is getting no help or assistance from them. I have talked repeatedly to the departments of Fraud, Customer Service, Hotline, Application services, Investigation Department and others no results

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 2026-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received the first text message. It stated a balance of {$110.00} was past due. I ignored it because I knew I had never received a loan from Adv. America. Then XXXX days later I received another message about the same thing. I replied with a cease and desist from all further communication to my phone number and that they are trying to contract the wrong person. During that time I also received phone calls and I informed them my phone number should not be contacted I never applied or took a loan from Adv. American. Then again on Monday XX/XX/XXXX I received another message stating the loan has a past due balance of XXXX nearly 30 days past due. I then called Adv. America customer service. I waited and went through the hassle of trying to speak to a real person. Finally I had a live agent. I informed her I was recording the call. I told her my first name and explained that your have the wrong number in your system. I do not have a loan from your company and this call is to verbally cease and desist all further communication with me at my number. She said she would remove my number from what ever account they had it list under. Today XX/XX/XXXX I received another text message stating a balance of XXXX is past due and needs immediate attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This complaint involves a fraudulent auto loan that I was determined not responsible for. The dealership involved was investigated and prosecuted, and a court issued a restitution order confirming fraud. Despite this, the company continued to collect payments from me for over a year. These payments were made under pressure to avoid repossession. The company also repossessed the vehicle on two separate occasions, even though they had already been informed that the account was fraudulent and that I was not responsible for the debt. The title has since been released, confirming that no valid loan exists. However, the company has not refunded the payments made. I attempted to resolve this issue directly with the company, but it remains unresolved. I am requesting a full refund, correction of any credit reporting, and compensation for damages caused by wrongful repossession and improper collection.

Company response to consumer: Closed with explanation