vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint regarding serious issues with my Bank of America business account. I initially experienced several fraudulent transactions on my business card. I filed claims for those charges, and Bank of America issued me a replacement card. However, after receiving the new card, I was unexpectedly charged {$420.00} without any prior notification or explanation. I attempted to dispute this charge through the mobile app, but the claim process was ineffective. I then tried calling customer service multiple times dozens of attempts but it was extremely difficult to reach a real representative. Most of the time, I was redirected to automated systems without resolution. Eventually, after significant effort, I was informed that Bank of America had sent a physical letter stating that my previous fraud claims were denied, and the amount was recharged to my account. I never received this letter in time, as I frequently travel for business and do not have reliable access to physical mail. As a result of these delays and lack of proper communication, my business account is now frozen, and my replacement card is unusable. This has directly impacted my ability to operate my business. I am extremely concerned about the following issues : 1. Failure to provide timely and accessible communication ( only relying on physical mail despite having my email and phone number ) 2. Inability to reach customer service representatives in a reasonable manner 3. Delayed and unclear handling of fraud claims 4. Unauthorized charge of {$420.00} without proper notification 5. Account freeze caused by these unresolved issues I request immediate action to : - Reverse or properly investigate the {$420.00} charge - Restore full access to my business account - Provide clear and timely communication through email or phone - Improve customer service accessibility This situation has caused significant disruption to my business, and I expect prompt resolution. Sincerely, XXXX XXXX XXXX I request all communication to be made via email or phone, as I do not have reliable access to physical mail. Please reach out by email & phone call or text only!!!

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I am writing to formally dispute the derogatory status of an account reported by 1ST FRANKLIN FINANCI on my credit reports with XXXX and XXXX. The account number associated with this is XXXX XXXX XXXX XXXX XXXXXXXX, with a reported balance of {$3500.00}. This account is inaccurately reported as derogatory, which is negatively impacting my credit scoresXXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). I have previously disputed the incorrect information regarding this account on several occasions : XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Each dispute was submitted through the credit bureaus ' automated systems. However, as of today, the erroneous derogatory status remains unresolved. This incorrect information is causing significant harm to my financial standing, affecting my ability to secure loans and increasing the cost of any available credit. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. The continued reporting of this account as derogatory is a violation of my rights under the FCRA. I request the complete removal of this account from all three major credit bureaus : XXXX, XXXX, and XXXX. This action will restore the accuracy of my credit report and mitigate any further damage to my creditworthiness. I kindly ask for your prompt attention to this matter to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The branch manager at Chase Bank in XXXX California, used her power to close my account, restrict my funds, and keep me from moving any money out of my account with the hopes of trying to pay my bills in a timely manner, especially my rent my account was restricted during the transfer of funds for two direct deposits. This was done with blatant and malicious intent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX. for attempting to collect a credit card debt without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). On or about XX/XX/year>, I formally disputed this alleged debt and requested validation, including a signed agreement, a complete itemized accounting of the alleged balance, full payment history, and proof of legal enforceability. On XX/XX/year>, XXXX XXXX, XXXX. sent a collection letter asserting a balance of approximately {$9300.00} related to a Macys American Express account. However, no supporting documentation was provided to substantiate the amount or my legal obligation. Despite my prior dispute and validation request, XXXX XXXX, XXXX. has failed to provide the requested documentation. No signed agreement, no complete accounting, and no evidence establishing my legal obligation have been provided. Instead, they have continued collection efforts based on unverified information. The amount they are attempting to collect has not been properly substantiated, which raises concerns that they are attempting to collect an amount that can not be validated. This conduct constitutes false, deceptive, and unfair collection practices under 15 U.S.C. 1692e and 1692f, as well as a failure to provide proper validation under 15 U.S.C. 1692g. I request that all responses be provided in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. My date of birth is XX/XX/year>, and the last XXXX digits of my Social Security Number are XXXX. I am writing to contest the inaccurate reporting of an account with CAP ONE AUTO, referenced as account XXXX XXXX XXXX XXXX XXXX, which is listed with a derogatory status across XXXX, XXXX, and XXXX. The reported balance on this account is {$910.00}. I have found that this account is not mine and should not be associated with my credit profile. This erroneous information is severely impacting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX, thereby affecting my ability to obtain favorable credit opportunities. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have already taken the step of disputing this account directly with CAP ONE AUTO and through the respective credit bureaus, but to date, no corrective action has been taken. This has caused significant distress and inconvenience as it affects my financial standing and creditworthiness. I am requesting the complete removal of this incorrect account from my credit reports with XXXX, XXXX, and XXXX. I trust that CAP ONE AUTO will fulfill its obligations under FCRA to ensure that only accurate and verifiable information is reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: OR

Complaint narrative:
My ex husband XXXX XXXX entered into a payment arrangement to get current on the mortgage so that it is not foreclosed. That agreement included making three on-time payments and the mortgage would be back on track. Those payments occurred on XX/XX/year>, XX/XX/year>, and XX/XX/year>. The house needs to be sold as a condition of our divorce and we have a contempt hearing on XX/XX/year>. Today ( XX/XX/year> ) while trying to prepare the listing, his real estate agent found on the title report the notice of default and intent to auction. The payments that are posted for the last two months show unapplied funds for the payments. When he called Crosscountry Mortgage to find out what was going on, the account manager stated that she forgot to apply the payments and simply doesnt know what to do now that the loan is in default and she doesnt handle that. I have called to talk to someone and my information was taken and I was told I would be called back. I have screenshots of posted payments and my ex husband has documents of the agreement made. We are in danger of having the house foreclose and sold at auction because someone did not apply paid funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX two transactions appeared in my checking account, to the same payor minutes apart, 1 for {$2300.00} via XXXX and 1 for {$2500.00} for instant payment? I do not even know what that is and or signed up for it. I called and told them this is fraud - I never authorized and or know who this is. I asked them to file a dispute for both this was on XX/XX/year>- they processed and approved the {$2300.00} transaction on XX/XX/XXXX.... I kept calling about the {$2500.00} payment and they kept telling me it was being investigated. On XX/XX/XXXX they admitted they did not file a dispute for the {$2500.00} transaction only an inquiry? I don't know why, and then we filed a dispute with new case number saying I do not know this vendor and never authorized anything -On XX/XX/XXXX I get a letter saying that their invesigation shows that the correct amount went to the correct recipient. so they will not honor the claim, I have called and asked to appeal, and have sent a new case 2 more times and it immediately returns with the same form letter, I have asked for documents showing how they came to these conclusions and have not received anything, I have also asked to file a complaint to Management and have not received anything and I am hoping you could help, I am XXXX XXXX XXXX and this is alot of money to me and I have been given the run around - I do not know how they pay one and not the other when they were minutes apart to the same recipient.

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 2026-04-29 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction and inadequate fraud response by SoFi Bank. On XX/XX/year>, I received a notification that the phone number on my SoFi account had been changed without my authorization. Recognizing this as potential fraud, I immediately contacted SoFi customer service to report the issue. Within minutes of that notification, my account was charged {$4100.00} from a merchant located in XXXX XXXXclearly a transaction I did not authorize. During my initial call, I informed SoFi of both the unauthorized phone number change and the fraudulent transaction. My debit card was canceled, a new card was issued, and my phone number was restored. I was instructed to wait until the transaction fully posted before filing a dispute. As soon as it posted, I contacted SoFi again to initiate the dispute. At that time, I was told there was no prior record of my earlier report, despite spending significant time on the phone and providing documentation. I then had to restart the dispute process from the beginning. I submitted supporting evidence, including : * The notification from SoFi confirming my phone number had been changed * Documentation of the unauthorized charge * Confirmation of my immediate report to SoFi After more than a week, SoFi denied my claim, stating the transaction was not unauthorized. I strongly dispute this determination. This situation reflects a clear case of account compromise and unauthorized electronic fund transfer. I reported the issue immediately, took all appropriate steps to secure my account, and fully cooperated with SoFis investigation process. I am currently a student, and these funds were from loans necessary for my living expenses. The loss of {$4100.00} has caused significant financial hardship. I am requesting : 1. Immediate reimbursement of the unauthorized transaction under the Electronic Fund Transfer Act ( Regulation E ) 2. A full explanation of how this transaction was deemed authorized despite evidence of account takeover 3. A review of SoFis failure to properly document my initial fraud report I expect this matter to be resolved promptly and in accordance with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Lost refund check not reissued by bank Complaint description I am filing a complaint regarding the handling of my closed bank account and a lost refund check. My bank, BANK OF AMERICA, closed my account on XXXX and issued a refund check The amount is approximately {$12000.00}. for the remaining balance. The check was sent on XXXX via XXXX but was lost in transit and never delivered to me. I have contacted both the bank and XXXX regarding this issue. XXXX confirmed the package is lost on XXXX. However, the bank refuses to reissue the funds and requires me to wait 90 days for the check to expire before they will issue a replacement. This requirement is unreasonable because : 1. The check was lost by the carrier and never received 2. I do not have access to my funds, I am unable to pay my taxes, and my car loan is also overdue. 3. The bank has the ability to place a stop payment and reissue the funds immediately

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute incorrect information that New American Funding is reporting on my credit reports with XXXX, XXXX, and XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. The account number in question ends in XXXX with a balance of {$290000.00} and is currently reported as derogatory. Over the past few months, I have submitted multiple disputes regarding this account. On XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX, I filed disputes with the credit reporting agencies, challenging the accuracy of the account status being reported. Despite these efforts, the errors remain unaddressed, and the account continues to negatively impact my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy and completeness of the information they report. Clearly, New American Funding has not fulfilled this obligation, as evidenced by the persistent inaccuracies on my credit reports. The derogatory status of this account is unwarranted and has caused significant harm to my financial standing by lowering my credit scores, which affects my ability to secure loans and other financial services on favorable terms. I am requesting the complete removal of this account from all three credit bureausXXXX, XXXX, and XXXX rectify the inaccuracies that have been reported. I expect New American Funding to comply with the FCRA by conducting a thorough investigation into this dispute and to accurately update my credit reports accordingly. I appreciate your immediate attention to this matter and look forward to a prompt resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
The company added a monthly fee. I have the option to close the account or pay the fee. I want to close the account but none of the phone numbers work and there is not an option on the app. I have tried to log in on the internet but it wont let me log in.

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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, we took out a loan with Goodleap for a home renovation project ( back patio cover repair ). The company that did the repair claimed they finished on XX/XX/XXXX, but they did not actually finish the project. They were able to get the funds released from Goodleap on XX/XX/XXXX, despite not having our signature of completion. On XX/XX/XXXX, we called Goodleap to ask why they released the funds without our signature. They assigned some to " investigate '', but despite having the AI-altered image the company tried to use to say the project was completed, and a report that shows the project was never completed, they don't want to do anything about it. They began trying to collect from us in XXXX, despite our contract stating they would not collect until after the project is completed. When pressed about the investigation, they claim they don't have sufficient evidence to prove fraud, again, despite having the AI-altered image and the report. We suspect the company will release funds with or without proof of completion, and they aren't investigating because they are trying to get money from us for a project that was never finished and is currently before the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC. Company Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Phone : XXXX Complaint : Jefferson Capital Systems is attempting to collect an alleged debt of {$1100.00} ( JCS Ref : XXXX ) for a XXXX XXXX account. On or around XX/XX/year>, I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and submitted a written debt validation request via email. Jefferson Capital responded by directing me to click a link to view their response. The link led to a login portal that contained no verifiable documentation whatsoever. This does not constitute proper debt validation under federal law. Despite failing to provide valid documentation, Jefferson Capital has continued to report this collection account to credit bureaus, which is a direct violation of 15 U.S.C. 1692g. I am requesting that the CFPB investigate this matter and require Jefferson Capital to either provide proper written validation or remove this account from all credit bureaus immediately. I have preserved all email correspondence as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
Apartment was leased using my identity, this is the 2nd time it has happened in 2 different states. I have never lived in either of these states, nor guaranteed an apartment in either place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Paypal Holdings, Inc
State: ID

Complaint narrative:
Hello, I am writing regarding the permanent limitation placed on my PayPal account and the funds currently being held. I have been a PayPal user for years with no prior issues. After using PayPal invoicing for legitimate catering services, my account was suddenly limited. I complied with all requests for documentation, yet my account was permanently restricted without clear justification. Additionally, funds sent for my business services were redirected to my daughters account and are now being held as well. These funds represent legitimate income and are not in violation of any acceptable use policies. This action caused significant financial harm, HARDSHIP, including leaving me stranded out of state without access to my business funds and missing purchasing deadlines. I am formally demanding : Immediate release of all held funds, OR A clear, written explanation citing the specific policy violation If this matter is not resolved within 7 days, I will proceed with : Filing a claim with the Consumer Financial Protection Bureau Filing a complaint with the Federal Trade Commission Initiating arbitration through the American Arbitration Association Filing a claim in small claims court I prefer to resolve this matter promptly and without escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. My personal information was used without my authorization to open an account that I never applied for, agreed to, or benefited from. I disputed this account with the credit bureaus and provided proof of identity theft, yet it continues to be reported as verified without proper validation. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681i, 1681e ( b ), 1681s-2 ( b ), and 1681c-2 ( FCRA 605B ).

Company response to consumer: Closed with non-monetary relief