vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding a disputed balance on a closed checking account with Bank of America. In 2025, I received a XXXX payment of approximately {$2000.00} from another party in exchange for a transaction. After the funds were received, the sender later filed a dispute with their bank, claiming the transaction was unauthorized. As a result, Bank of America reversed the funds and placed my account into a negative balance. I was not properly notified about the dispute, the reversal, or the account closure. My account was closed without clear communication, and I only recently received a notice nearly a year later demanding payment of {$1700.00}. Additionally, Bank of America has already withdrawn approximately {$400.00} from my account in connection with this matter. I believe I was a victim of fraud, as I fulfilled my side of the transaction and have supporting evidence, including communication records with the sender. Given the lack of proper notification and the fraudulent nature of the counterpartys actions, I dispute this debt and request that Bank of America : 1. Provide full documentation of the investigation and proof of notification. 2. Reconsider and remove the remaining balance. 3. Confirm that no negative reporting will be made related to this matter. I am willing to provide supporting evidence upon request. This situation has caused financial and reputational concern, and I am seeking a fair resolution.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
" I am a SoFi Bank member of 3+ years with a consistent 5-year employment history. SoFi/XXXX is currently withholding my payroll deposit of {$1700.00} ( Paystub provided to bank ). Despite a 24-32 hour circulation through the Federal Reserve , SoFi refuses to release the funds. Key Violations : Medical Hardship/Emergency : I have informed multiple representatives and a manager that I am experiencing severe medical distress ( dangerously low iron/heavy period ) and can not afford food or medicine. Documented Throttling : SoFi chat representatives admitted on record that my deposit timing was consistent until XXXX, after which the bank altered my account 's processing behavior. Negligence : A supervisor hung up on me at XXXX XXXX while I was declaring a medical emergency and financial hardship. UDAAP Violation : The bank is engaging in unfair and deceptive practices by withholding predictable payroll and providing contradictory information regarding ACH Trace IDs. I am requesting an immediate manual release of my funds or a Provisional Credit due to medical necessity and documented bank error. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the unauthorized opening of a line of credit and fraudulent charges made in my name involving XXXX and Fortiva XXXX. * * Summary of Issue : * * A charge of {$240.00} was initiated by XXXX and financed through Fortiva Credit without my knowledge or consent. I did not authorize any line of credit, nor was I notified that such an account had been opened in my name. I only became aware of this account after being contacted by Fortiva regarding a minimum payment due. * * Documented Timeline of Communications : * * * * * XX/XX/XXXX : * * Phone call with XXXX regarding the issue * * * XX/XX/XXXX : * * Follow-up phone call with Vivint * * * XX/XX/XXXX : * * Phone call with Vivint where XXXX was explicitly told the issue would be corrected, the charge removed, and I would be refunded. I also received an email from XXXX on this date confirming their error ( copies attached ) * * * XX/XX/XXXX : * * Additional follow-up phone call with Vivint regarding XXXX to resolve the issue * * * XXXX & XXXX : * * Multiple phone calls made to Fortiva XXXX XXXX XXXX dispute the account and charges ; however, dispute access was limited to restrictive hours that were not reasonably accessible Despite Vivint acknowledging their error both verbally and in writing, the charge was not removed. Instead, it was processed through Fortiva Credit without my authorization or notification. I was subsequently informed of a payment obligation for an account I did not open. * * Key Concerns : * * * Unauthorized opening of a line of credit in my name * Lack of notification regarding the account and financing arrangement * Failure to correct a known and admitted error * Billing and collection activity on a fraudulent account * Barriers to dispute resolution through the creditor * * Requested Resolution : * * * Immediate closure of the Fortiva Credit account associated with this matter * Removal of all charges and balances * Written confirmation that I bear no financial responsibility * Removal of any related entries from all credit reporting agencies * Formal written confirmation that the matter has been resolved I have attached printed email documentation from XXXX acknowledging their error. This complaint may be used for submission to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and for documentation in a local police report. I certify that the above information is accurate to the best of my knowledge and reflects a legitimate case of unauthorized account activity. Sincerely, XXXX XXXX XXXX XXXX

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card, and email information was stolen, and {$1300.00} was taken from my bank account via XXXX XXXX. The theft took place in an area I do not live in, through a money consumer Ive never used ever in my transaction history. I have proof of my card being on my person and my location being in the city I live in. Wells Fargo claimed that the information matched my bank information so they did not honor my claim nor protect me or my money. This was a fraudulent charge I did not authorize. No kind security txt nor email was sent to me to confirm or deny the charge. Nor my signature, nor my I.D . I only received an email from XXXX XXXX letting me know my money had been taken from a person Ive never met before.

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 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I have a federal student loan serviced by Nelnet. I have never been late in any monthly payments but Nelnet reported me as 180 days delinquent to the credit bureaus in XXXX. My credit score fell more than XXXX points, from 843 to 688 as soon as made this false report was made. When I contacted Nelnet about this in XXXX, they said it was a glitch, agreed that I had never been delinquent even XXXX month and agreed to escalate my ticket/complaint. A month later, they recorded me as {$30.00} delinquent on my XXXX payment even though I paid my loan amount in full. I called again and they said they weren't sure why their system was routinely reporting me as delinquent. But that they could not give me a timeline as to when the XX/XX/XXXX day false reporting or other problem would be fixed. I have filed disputes with all XXXX credit bureaus but Nelnet will not correct the information/is standing behind the delinquency reporting, so my credit remains damaged. I have proof of timely monthly payments on Nelnet 's website and via my bank. I have spent countless hours on the phone at this point and Nelnet will not correct the problem or provide any timeline of when they will correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Westcreek Financial
State: IN

Complaint narrative:
On XXXX XXXX I attempted to pay off my loan with koalifi. That payment is now listed as 'voided ' I did not void this payment nor did my financial institution. Koalifi states that it was declined by my financial institution due to not accepting an ach payment. My bank verified that is not true. I have paid with my ach information every month for many years. I attempted to make additional payment XXXX XXXX, XXXX XXXX and XXXX XXXX. All payment attempts say failed on my account information. Koalifi states they do not see those payment attempts. My bank states that westcreek financial ( koalifi ) has not attempted to collect a payment from my financial institution since XXXX XX/XX/XXXX and that payment was collected and processed favorably. I've requested koalifi settle my account and the original payment of {$980.00} and allow me to make a phone payment to close my account. They have refused that request and I am still being charged interest and all payment attempts still show 'failed ' and they state 'they see no attempt to pay since XXXX XX/XX/year> ' but my account, which i have attached to this complaint, shows multiple attempts of payment from me to the institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and previously filed a fraud affidavit on XX/XX/XXXX. I also filed a report with the Federal Trade Commission ( FTC ) in XX/XX/XXXX, and these fraudulent items have not been removed. The accounts currently being reported on my credit fileincluding XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$1200.00} ), XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, charged off {$820.00} ), XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$2000.00} ), and Resurgent/LVNV Funding ( opened XX/XX/XXXX, collection balance {$3200.00} ) were opened without my knowledge or authorization. I have never entered into any agreement for these accounts and have received no benefit from them. I am requesting that all listed items be immediately removed from my credit report in accordance with the Fair Credit Reporting Act, and I certify under penalty of perjury that this statement is true and correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I had a motorcycle repossessed, all three credit bureaus state that I owe {$4700.00} when I am contacted by XXXX XXXX XXXX he refuses to give me the breakdown of how I owe the extra {$2000.00} That they are saying I owe. I am attempting to resolve this issue but I cant get Synergetic communication to provide proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime took my money and never put it back and tried to close my account for it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX from XXXX and XXXX XXXX XXXX firm stating that I had a lawsuit against me from XXXX XXXX and that they are suing me to garnish my wages owed in the debt. I was quickly offered a payment arrangement to not settled this in court and avoid the lawsuit however, when asked about the agreement and the lawsuit that the financing company was involved in in XXXX and then all contracts were no longer valid I was told that I was going to be sued. They then sent me a contract stating that I must pay an amount by a certain date to avoid any court actions used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am filing this complaint because JPMorgan Chase has filed to conduct a " reasonable investigation '' of a billing error as required by the Fair Credit Billing Act ( FCBA ). On XX/XX/year>, I physically returned merchandise totaling {$49.00} to XXXX XXXX XXXX XXXX The merchant accepted the items and offered a digital receipt, which I never received. When the credit did not post, I filed a dispute with Chase, since the merchant stated they were unable to look up my transaction return by debit card or surveillance footage of the return. Chase initially granted the credit but has now reversed it, claiming they can not assist because I do not have a physical receipt. I have made multiple good-faith attempts to resolve this : XXXX. I visited the merchant in person. The XXXX acknowledged the return occurred but refused to look up the transaction via my debit card or provide the promised digital receipt, resulting in unjust enrichment. XXXX. I contacted Chase multiple times. A supervisor recently informed me that because " XXXX denied it, '' they have no way to appeal without a physical receipt of proof of return. This is a violation of my rights under the FCBA, as my contract is with the issuer ( Chase ), not the third-party network ( XXXX ). XXXX. The bank 's refusal to pursue a " second presentment '' or investigate the merchant 's failure to provide a receipt has resulted in my account being overdrawn, causing immediate financial hardship and predatory overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: AL

Complaint narrative:
Last week ( XX/XX/year> - I think ), I opened a XXXX business account. I have notification that funds were accepted but when I log in to my account, I can't access my business account. I have called, reached out through their email and I can not get it fixed. Then today I had so many login attempts, I am locked out of my account. I have been attempting to retrieve the funds for over XXXX hours with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a {$10000.00} insurance check from XXXX XXXX into my account with Truist Financial. I have been a customer for over 10 years ( dating back to SunTrust ) and have previously deposited a similar check from the same company without issue. I was informed that the full amount of my deposit would be held until XX/XX/XXXX, and I would not have access to any portion of the funds. When I asked for the reason, I was told only that it was an internal reason and that staff were not allowed to disclose it. Under Regulation CC, I understand that banks must provide a valid reason for exception holds. I have not been given a clear or compliant explanation. I requested access to at least a small portion of my funds due to financial hardship, including overdue bills and necessary medical appointments, but this request was denied without meaningful review or explanation. Respectfully, XXXX XXXX XXXX

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
" On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX XXXX intending to purchase a vehicle with cash for approximately {$7000.00}. Without my knowledge or full consent, the dealership ran my credit and opened an auto loan in my name through Exeter Finance, inflating the total to approximately {$12000.00}. I never agreed to financing. Within XXXX days the vehicle was not functioning properly. When I attempted to return it, the dealership refused, was discriminatory toward me, and called the police. I was forced to keep a defective vehicle tied to a loan I never authorized. The vehicle was repossessed on XX/XX/XXXX in damaged condition. I filed a damage claim and it was denied by both Exeter Finance and the tow company. I first discovered this fraudulent account on XX/XX/XXXX. I filed a police report, an FTC identity theft report, and a prior CFPB complaint ( Case # XXXX ) on XX/XX/XXXX. Exeter responded requesting additional documents but the complaint was closed before the matter was resolved. This account continues to negatively impact my credit and I am still seeking full resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My bank account was fully blocked on XX/XX/year>. I was informed that my remaining funds would be sent to me by check within XXXX business days. However, as of today, XX/XX/year>, a total of XXXX business days have passed, and I still have not received my funds. When I contacted the bank, I was told that there is no available information regarding the status of my check or my funds. I am currently unable to access my money, and the bank has failed to provide any clear explanation or timeline. This delay is unacceptable and may constitute a violation of my consumer rights. I request an immediate investigation into this matter and a prompt resolution, including confirmation of when my funds will be sent and how I can access them.

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a collection account reported by LVNV Funding LLC. This account is being reported on my credit reports as verified and accurate ; however, the company has failed to provide proper validation of the debt. I previously disputed this account with the credit bureaus, and it was marked as verified. I also requested validation directly from LVNV Funding LLC/Resurgent Capital Services . In response, they repeatedly sent the same generic account summary and partial statements. The information they provided does not include : A signed agreement or contract showing I am legally obligated for the debt Full chain of title demonstrating ownership from the original creditor ( XXXX XXXX XXXX ) to LVNV Funding LLC A complete itemized statement of how the balance was calculated Despite failing to provide proper validation, they continue to report this account as accurate to the credit bureaus. I believe this is a violation of the Fair Credit Reporting Act, as they are reporting information they can not adequately substantiate after multiple disputes. I am requesting that this account be deleted from my credit reports unless LVNV Funding LLC can provide complete and legally sufficient documentation validating the debt and their ownership of it.

Company response to consumer: Closed with explanation