vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: SC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: SD

Complaint narrative:
I owed a XXXX credit card XXXX ending XXXX. The XXXX XXXX group settled the account for XXXX it was XXXX. I paid all the settlement off XX/XX/XXXX. They show paid in full and XXXX provided all proof of payment to a company trying to collect XXXX. Im not sure where they got the amount they starting sending harrassing letters after all this time over debt I dont now. Its in red on my credit report. I finished payments in XXXX. The company that represents me is now XXXX XXXX advisors and XXXX XXXX XXXX. I paid it to XXXX XXXX XXXX through XXXX. Calvary Portfolio needs to take off this collection off of my credit reports stop phone calls and mail correspondence. I have additional proof, phone numbers email addresses. Thanks XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: MN

Complaint narrative:
I received an email from Netspend yesterday, XX/XX/year>, stating that my new card was here and to activate it. I assumed it was a scam and ignored the email. I then received a letter welcoming me to their company, included a card with my name and a card number on it, and an account number with a routing number. I have never heard of this company, nor signed up for it but it said I had expressed interested through a partner website. When I called the company, the only option was to either activate the card or close the account. When I asked how they received my information, they refused to tell me. I received another email stating my account was closed but interested to see if that is true or not. I do not recall signing up for any information from them and am disturbed as to how they received my information and created a whole account with my info without my approval.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX XXXX XXXXXXXX ( Order # XXXX ) using XXXX XXXX Installments serviced by Affirm. Shortly after the purchase, the merchant contacted me stating that the price listed on their website was incorrect and requested that the order be canceled. I agreed to the cancellation. The merchant confirmed that the order was canceled and later confirmed in writing that the product was never shipped. Despite the cancellation and the fact that no goods or services were delivered, my {$79.00} down payment was never refunded. The loan associated with this canceled order was later marked overdue and sent to collections by Affirm. I contacted both the merchant and Affirm to resolve the issue. The merchant acknowledged that the order was never shipped but stated they could not issue a refund due to a chargeback issue with their payment processor. Affirm declined to dispute the loan because it was outside their XXXX dispute window. This is not a dispute over a completed transaction. The order was canceled by the merchant and never fulfilled, so there is no valid underlying debt. I am requesting that the account be corrected to a {$0.00} balance, recalled from collections, and that any negative credit reporting related to this loan be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I sold an item on XXXX and the buyer sent me a check I deposited the check but the check was stolen and I did not know it, They marked it as fraud and sent the info to XXXX XXXX and XXXX and the bank closed all my accounts. They did not lose any money because the check never cleared but it has still cause damage to me that i can not open another account with my name being flagged for fraud.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
CNS PORT SVC is falsely reporting on my credit. I have never had any accounts with them. Per my research CNS PORT SVC 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 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
b'Requested information didnt receive still on credit'

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I would like to Dispute a delinquency on my XXXX XXXX XXXX file disclosure form. For years I have been unable to apply for a bank account during application processes. In XX/XX/2023 I lost my wallet which had my personal information within. My debit card was used by someone to deposit a fraudulent check. I had nothing to do with this deposit and would never authorize someone else to deposit anything on my behalf. I went into the BOA facility to make a transaction only to find out that my account was locked. I had no idea as to why until I looked into this and called BOA a few days later. For the past XXXX years this has caused me incredible hardships. At the time I am unable to get a bank account. That said, I haven't been able to run my business effectively and efficiently. I have been unable to set up direct deposit as well as take advantage of the great services XXXX made banks have to offer. I am written the cfpb and the XXXX XXXX XXXX to get this issue rectified once and for all. I am currently trying to put the pieces of my financial life back together. I am in the process of purchasing a new house, car and helping my children get to college. This would all be impossible without the expressed writing consent of the cfpb or the XXXX XXXX XXXX. Please except my dispute as I am on my way to a better financial career.

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 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
They continue to call me from different phone numbers, and when I answer, no one responds on the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
TO : PayPal Holdings , Inc. / Compliance & Legal Department DATE : XX/XX/year> SUBJECT : FORMAL COMPLAINT : Violation of User Agreement and Facilitation of Fraud RE : Negative Balance of {$2800.00} ( Transactions from XXXX XXXX ) To the PayPal Compliance Team and the CFPB : I am filing this formal complaint to dispute a negative balance of {$2800.00} on my account. This balance is not a legitimate debt ; it is the direct result of PayPal facilitating a " reversal scam '' by XXXX XXXX and failing to enforce its own " Friends & Family '' policy. The Facts of the Case : 1. I received three separate payments from XXXX XXXX in the amounts of {$800.00}, {$400.00}, and {$1600.00} ( totaling {$2800.00} ). 2. These funds were sent via the " Friends and Family '' ( personal transfer ) method. Per PayPals User Agreement, these transfers are final and are not eligible for Purchase Protection or business-related reversals. 3. Despite this, PayPal allowed XXXX XXXX to reverse these funds by falsely claiming a " Goods and Services '' issue with his card issuer. 4. PayPals own support agent confirmed that the funds were reversed by the sender but " foolishly '' advised me to contact the scammer to get the money back. This is an admission that PayPal failed to protect the transaction. Violation of Rights & Financial Hardship : I am currently unemployed with XXXX income. I am being held responsible for a debt created by a fraudster because PayPal refused to follow its own rules regarding personal transfers. By attempting to collect this {$2800.00}, PayPal is violating my consumer rights and ignoring the clear evidence of a reversal scam. I refuse to pay for a scam facilitated by PayPals lack of oversight. I am a victim of fraud, and I will not be bullied into paying a debt that resulted from your companys failure to secure a " Friends & Family '' transaction. Requested Resolution : I demand that PayPal immediately : Perform a senior-level manual review of the transactions from XXXX XXXX . Acknowledge the violation of the " Friends & Family '' policy. XXXX out the negative balance of {$2800.00} and restore my account. Cease all collection efforts and ensure no negative reports are sent to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report and requested a reasonable investigation. Despite my dispute, the credit reporting agency continues to report the same information without providing verification or evidence that the accounts are accurate. This failure to properly investigate and correct inaccurate information violates my rights under the Fair Credit Reporting Act and is causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, a {$580.00} interest charge was applied to my Zales credit card account issued by Comenity Bank. I have automatic payments set up and have maintained a strong payment history on the account. The charge appears to have been triggered by a small remaining balance of {$47.00}. As soon as I became aware of the balance, I paid the {$47.00} in full the night of XX/XX/year>. After noticing the unusually large interest charge, I contacted Comenity Bank to request a review and a one-time courtesy adjustment, explaining that the charge resulted from a minimal remaining balance despite my automatic payment setup. I made multiple attempts to resolve this matter directly with the company. Most recently, on XX/XX/year>, I spoke with four different customer service representatives and supervisors requesting that the charge be reviewed and adjusted. Despite explaining the circumstances and my payment history, the company refused to remove or adjust the {$580.00} charge. I believe this charge is disproportionate to the {$47.00} remaining balance that triggered it, especially given that I paid the balance immediately once it was identified and have made multiple good-faith attempts to resolve the issue with the company. I am requesting that the {$580.00} interest charge be reviewed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
In XX/XX/2024, I leased a XXXX XXXX through XXXX XXXX XXXX and financed it through BMW Financial Services. At the time of signing, the dealer explicitly informed me that my first payment would be automatically covered as part of the lease transaction and that no payment was due from me. As this was my first lease in over 20 years, I relied on this guidance in good faith. As a direct result of the dealer 's erroneous instructions, I was unaware that a payment was due and incurred one late payment. Upon discovering the error, I immediately brought my account current and have made every payment on time since - a record spanning over two years. I have submitted two formal goodwill deletion requests in writing to BMW Financial Services asking that this single late payment be removed from my credit report given the circumstances. Both requests were denied. The late payment is not a reflection of my creditworthiness or payment behavior- it is the direct result of misinformation provided by the dealer at the point of sale. I am requesting that the CFPB facilitate a resolution in which BMW Financial Services removes this late payment notation from all three credit bureau reports as a one-time goodwill accommodation, consistent with my otherwise perfect payment history and the documented circumstances that caused the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding my auto loan with Ally Auto. I attempted to request financial hardship assistance multiple times and was repeatedly told my account does not qualify for any assistance programs. My loan payment is approximately {$640.00} per month with an interest rate above 19 %. Only about {$200.00} of each payment goes toward the principal, with the remainder going toward interest. The structure of this loan makes it extremely difficult to make progress paying down the balance. On XX/XX/year>, I submitted a financial hardship letter through Allys secure message system explaining my financial and medical situation, including severe major XXXX that has impacted my ability to manage responsibilities. I sent a follow-up message again on XX/XX/year>. The only response I received was to call customer service. When I called, I spoke with multiple representatives and requested hardship assistance, payment modification, or any type of relief. Each representative told me my account does not qualify for any assistance and that I must make six months of payments before any modification would even be considered. I attempted again today to make a payment online to resolve the remaining balance on my XX/XX/year> payment ( approximately {$290.00} remaining after I already paid {$350.00} ). However, the online system would not allow me to make the payment and instead forced me to use a phone payment or third-party payment processor that charges additional fees. I do not believe it is fair to be forced to pay extra fees simply to make a payment when the online system is not functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
PayPal has limited my account due to my credit repair company accidentally disputing my PayPal credit 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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XXXX was charged to my XXXX account for a XXXX XXXX subscription, which I cancelled my previous subscription for in XX/XX/XXXX. This charge was set to expire in XX/XX/XXXX. Whne I logged into my XXXX account ; it was in Armenian. I believe I got hacked ; I am not from nor am I currently in Armenia.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
b"In XXXX XXXX XXXX I had talked with XXXX XXXX XXXX regarding my credit card payments that I was making in excess of the minimum payment amount due for each month. I had talked with their customer service on a previous occasion and was told to submit a letter to the office by mail which I mailed a letter to their office in XXXX XXXX and I then received a phone call from their account manager XXXX on XXXX XXXX XXXX who called from the number of XXXX XXXX XXXX. She said that she would send how my payments over the minimum payments were applied but instead all she sent me was copies of what I had already received in my new monthly statements from the past. I had explained to her in that call anything over the minimum monthly payment due was to be applied to the cash advance balance that incurring interest. She told me they were but if you look at my bill it does not show proof of that. Me and her hours do not match up because I work days hours as she does. I had tried getting off work a little earlier to try and call after I got home but that was not working very well to make that happen. However I felt it was an argument from me explaining to her of how the payments were to be applied but she did not seem to understand how Regulation Z (TILA) works with the payments on a customer's account. All she sent me was the same copies of my credit card statements that I had already been receiving in the mail. If someone can explain to her how the over the minimum payments are to be applied for her to understand. I can send copies of what they sent me and cross out my credit card numbers and other private information. Let me know. I have not seen any reflections that the company has corrected any of my payments since talking with her so I have tried calling her again and left message that I would be contracting CFPB concerning this"

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