vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> I have provided evidence needed including a voicemail. I have appealed the decision twice and reached out to supervisors with Cash App and they gave me the excuse they could not refund but we know the account was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: ME

Complaint narrative:
My vehicle was officially surrendered to the manufacturer ( also XXXX ) under state Lemon Law provisions on XXXX XXXX, 2026. I have signed surrender execution documents as proof. Per the terms of the buyback, my legal and financial liability for this vehicle strictly ended on that date. The manufacturer issued a fixed final payoff check for {$50000.00} to their own lending arm ( Stellantis Financial Services ). However, Stellantis Financial Services processed this payoff on their ledger using the date of XX/XX/XXXX, 2026XXXX days after I legally surrendered the vehicle. By failing to backdate the account closure to my true surrender date of XX/XX/XXXX, the daily simple interest calculator was left running for an extra XXXX days while the vehicle was in the manufacturer 's possession. This unauthorized interest over-accrual directly diluted my contractually mandated overpayment refund.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: AZ

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 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 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
Loancare is claiming I am behind almost XXXX and I am in dispute with these numbers. It is as if the company is charging me double for insurance through escrow and again on my statements. When I ask for an explanation as to the current months I am currently behind the company just sends a " payment history '' ledger days later. The Va rep communicated with me they will reach out and request information from the company also. I am asking merely as to the current months behind and how they are applying money I send to them! When I send extra money it should always go to the principal and not interest and or escrow! It seems to get lost and now we are having this issue. In order to keep this issue from escalating because I see this has happened to a lot of people can the CFPB step in and do the job of actually investigating this, as my credit and home is at stake. Thank you. And that insurance company is getting CHANGED * * Also please pay attention to the older statements before the company " bought '' my loan. '' They are misapplying payments if they dont fix it I will file suit. Thank you. I have EVERYTHING SAVED If I dont have it I can get 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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am submitting this complaint regarding information reported by XXXX concerning a Bank of America account that I do not recognize and did not open. I recently discovered this item on my consumer report and believe it resulted from identity theft or the unauthorized use of my personal information. I did not apply for, open, authorize, or use the Bank of America account being reported. Upon discovering this information, I filed an Identity Theft Report with the Federal Trade Commission and am providing supporting documentation to substantiate my claim. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that XXXX block and remove any information that resulted from identity theft. Additionally, I request that XXXX conduct a reasonable investigation into this matter and provide me with the results of its investigation. Because this account does not belong to me, I am requesting the complete deletion of the Bank of America item from my XXXX consumer file and the issuance of an updated consumer report reflecting the correction. I also request that any entities that received the inaccurate information be notified as required by law. I certify that the information provided in this complaint is true and correct to the best of my knowledge.

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 2026-06-09 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: OH

Complaint narrative:
On XX/XX/year>, we made a payment of {$18000.00} to XXXX XXXX XXXX, as instructed, to resolve an insurance issue. About a week later, our insurance was canceled. We contacted Huntington Bank, and a customer service representative told us that we had XXXX months to reverse the payment. We then contacted XXXX XXXX XXXX to request a refund, but they refused to reimburse us. We also contacted our bank, and they informed us that we were required to reverse the payment within XXXX hours of the transaction. Since that window had passed, we have been arguing with Huntington Bank to recover the money ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a follow-up to closed Complaint Number XXXXI am filing a new complaint because Comenity Bank provided false information to close the previous file. They claim I authorized a {$270.00} withdrawal during a XXXX XXXX XXXX phone call. This is completely false. I am a XXXX individual. I called them to explain that I had no money and was waiting on a future lawsuit settlement. Discussing future funds is not a legal agreement to debit my account today.Comenity Bank closed the last case by making claims without providing a single piece of evidence. Under Electronic Fund Transfer Act ( EFTA ) Regulation E, a financial institution can not simply state an authorization exists ; they must have valid proof.Since Comenity Bank claims they reviewed the call, I demand they upload the audio recording or a complete verbatim transcript to this file. If they can not produce the recording showing my explicit consent, they are in violation of federal law.I demand the {$10.00} promised credit, full reimbursement of my XXXX XXXX XXXX overdraft fees, and written proof that they have deleted my banking information from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation
State: CA

Complaint narrative:
I was sent a notice of an outstanding tax balance from a company claiming to be PennCredit Corporation on XX/XX/XXXX. They claimed I owed {$2800.00} for unpaid taxes while I was residing in XXXX during the XX/XX/XXXX tax period. The case number was XXXX. I was physically present in XXXX from XXXX of XXXX through XXXX of XXXX on XXXX XXXXXXXX orders . I am listed as a resident of XXXX. I paid XXXX taxes through XXXX XXXX in XXXX. People on XXXX XXXX orders are exempt from XXXXXXXX XXXX XXXX day rule for residency for tax purposes. Furthermore, the number listed on the notice, XXXX, was not associated with the PennCredit corporation. The street address provided, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, took me to a warehouse with a XXXX name. I believe this is a scam impersonating PennCredit that is trying to go after service members using stolen information. If I am mistaken and this is really PennCredit, their claim is still false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NE

Complaint narrative:
In XXXX I purchased a phone from XXXX XXXX and enrolled in a Nebraska promotional offer that provided a recurring credit as long as I kept automatic payments ( auto-pay ) active on my account. At some point my auto-pay was removed without any notice to me. After discovering this, I contacted XXXX XXXX by phone multiple times to correct it. On each call, representatives verbally assured me the issue would be fixed and that the promotion would remain applied. Despite these assurances, XXXX XXXX failed to honor the promotion, which created a balance I dispute owing. XXXX XXXX then treated this disputed balance as delinquent, and the account was sold to Jefferson Capital Systems, a debt buyer. Jefferson Capital is now reporting a {$100.00} collection account on my credit. My XXXX report shows a date of XXXX delinquency of XX/XX/XXXX, the collection XXXX reported around XX/XX/XXXX, and the account listed as opened XX/XX/XXXX. I have already disputed this account with the credit bureaus. I do not believe this is a valid debt. It exists only because XXXX XXXX failed to honor a promotion I qualified for and because its representatives did not follow through on their verbal commitments to fix my account. I am requesting full validation and proof of the debt and its amount, and that this inaccurate collection be corrected and removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
On or about XXXX 2026, I deposited a {$420.00} check into my Axos Bank checking account through mobile deposit. The check was issued by XXXX XXXX and cleared the issuers account. The issuer later provided a copy of the cleared check and confirmed that the {$420.00} was removed from their account. After the deposit, Axos Bank restricted and subsequently closed my account. Axos informed me that no funds would be remitted because the original check was not provided when requested. Axos also advised that the funds had been returned to the issuing bank on or about XXXX XXXX, 2026. I contacted the issuer, XXXX XXXX, regarding the alleged return. XXXX XXXX advised that they have not received a return of the {$420.00} funds. XXXX XXXX further stated that they spoke directly with their bank, which considered the transaction complete and confirmed that the funds had been removed from their account. As of the date of this complaint, the issuer reports that no {$420.00} credit or returned funds have been received. I have repeatedly requested documentation from Axos showing the disposition of the {$420.00}, including proof of any return, the date of the return, the receiving institution, and any trace or reference number associated with the transaction. I have not received documentation sufficient to determine the current location of the funds. I am requesting that Axos Bank provide a complete accounting of the {$420.00} deposit, including documentation showing whether the funds are being held, were returned, or were otherwise transferred, and provide any trace numbers or records associated with the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Received an email stating {$550.00} will be transferred to my account. A loan that I have not requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: SC

Complaint narrative:
I am formally disputing the L J Ross Associates collection account appearing on my credit report. I dispute the accuracy, completeness, and verifiability of this account. I previously sent a debt validation request directly to L J Ross Associates requesting documentation supporting the alleged debt, including proof of ownership, account history, chain of assignment, and authority to collect. The information provided has not adequately substantiated the account. Additionally, this account was previously removed from my credit file and later reappeared. I do not recall receiving notice of reinsertion. Pursuant to the Fair Credit Reporting Act, I request a reasonable reinvestigation of this account and request that the furnisher provide competent documentary evidence supporting the reporting of this tradeline. Please verify : 1. The original creditor. 2. The complete account history. 3. The amount being reported. 4. The date of first delinquency. 5. The furnisher 's authority to report the account. 6. The basis for any reinsertion of previously deleted information. If the information can not be verified as complete and accurate, I request deletion of the tradeline from my credit report. Please provide the results of your investigation and the method used to verify the disputed information. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX collection account appearing on my credit report. I dispute the accuracy, completeness, and verifiability of this account. I previously sent a debt validation request directly to XXXX XXXX XXXX XXXX requesting documentation supporting the alleged debt, including proof of ownership, account history, chain of assignment, and authority to collect. The information provided has not adequately substantiated the account. Additionally, this account was previously removed from my credit file and later reappeared. I do not recall receiving notice of reinsertion. Pursuant to the Fair Credit Reporting Act, I request a reasonable reinvestigation of this account and request that the furnisher provide competent documentary evidence supporting the reporting of this tradeline. Please verify : XXXX. The original creditor. XXXX. The complete account history. XXXX. The amount being reported. XXXX. The date of first delinquency. XXXX. The furnisher 's authority to report the account. XXXX. The basis for any reinsertion of previously deleted information. If the information can not be verified as complete and accurate, I request deletion of the tradeline from my credit report. Please provide the results of your investigation and the method used to verify the disputed information. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: FL

Complaint narrative:
1ST CRD SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research1ST CRD SRVC 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 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I was approved for a loan for a sectional couch at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ' XXXX The store 's salesperson introduced Acima to us as a way to 'hold ' the couch at its current price for just {$1.00}, while we move into our new place. An Acima representative came by and explained some things verbally, not including a very large, additional 'purchase fee ' which would be around 11-12 % on top of the price of the couch + delivery. Delivery of the couch was provided on XXXX XXXX XXXX when we moved into the new house. Acima processed financing for the couch ( lease-to-own ) at the following price : {$3500.00} + Tax. We were told the loan was at 0 % interest as long as we take advantage of early purchase option in the amount of $ {$3500.00} + Tax, ( seeming to total {$3900.00} ) - in the first 3 months of the lease ( by XXXX XXXX ). This was what we preferred to do, so we agreed. We did not anticipate, nor were we told about, nor was it presented in any way to us that there would be an additional {$420.00} on top of the early purchase buyout price and that the tax would then based on the original total + the {$420.00}. All in all, this equals out to {$4200.00}, and this is the total Acima requests that we pay. ( {$420.00} more than we were led to believe ). The extra cost of {$420.00} ( appearing as 'Purchase Fee ' only in the final phase of payment on the Acima app ) was information that was very clearly being held back to make the sale and the loan agreement go through, and was entirely unexpected. It is essentially in replacement of a high interest rate and re-categorized so that they can present the interest rate as 0 %, if paid off during the early purchase option. Furthermore, their lease agreement, which we can provide, does not specify this number ( {$420.00} ), or the phrase " Purchase Fee '' anywhere in the document. On the phone with Acima support, they told me they could not help me with the fees, and directed me to page 3 of the Lease agreement ( Attached to this complaint ) where I also found nothing about this specific amount of anything called a " Purchase Fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I'm requesting the 1099 C for the debit. Per the collection status debit was charged off. When the debit is charged off the collector received a tax break on the debt. I'm requesting the copy of the 1099C. I am allowing thirty days for resolution if not I will sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
During the month of XX/XX/year> Mountain America Credit Union, ( MACU ) advertised a balance transfer offer via a flyer I picked up in the XXXX branch, offering a XXXX % pay back when transfering a balance to their credit card. Their flyer never mentioned that this transaction would be a cash advance and that interest would be charged from the instant one makes this transaction. On XXXX XX/XX/year> I transfered {$8900.00} from another credit card to my MACU visa and was paid {$260.00} ( the XXXX % promised in their offer ). At the end of XXXX, ( and this was complicated by their shut down from XX/XX/XXXX until XX/XX/XXXX, which was chaotic and XXXX big mess ). I checked my MACU visa stmt, and much to my dismay was charged {$89.00} in interest even though I had paid the previous months statement amount in full, ( {$270.00} ). I went into the XXXX MACU branch, ( XXXX XXXX XXXX XXXX XXXX UT XXXX, XXXX ) I spoke with XXXX bankers and a teller none of which was interested in providing any compensation. The interest charged for the most part makes the amount I was given for this promotion pretty much a useless deal!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I closed on a mortgage where the lenders underwriter failed to check the town deed. I only own XXXX % of the land, but they drew up papers for XXXX %. I notified them of this severe title defect over XXXX months ago. They are intentionally dodging my calls, ignoring me, and refusing to communicate. I want this defective loan cancelled/rescinded. Assessors Information XXXX

Company response to consumer: Closed with explanation