vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: TX

Complaint narrative:
On XX/XX/2026, my Bank of America debit card was used in a transaction for {$8200.00} to purchase XXXX gift cards under fraudulent circumstances. I was contacted by individuals impersonating XXXX XXXX and Bank of America fraud representatives, who instructed me to purchase these gift cards to cancel an unauthorized transaction they claimed was occurring on my account. These were scammers ; I did not authorize the transaction and was misled under threat and deception. The scammers/hackers already had my account information ( last four digits of my debit card and SSN ). However, during this transaction, the real BoFA did not ask me for any authorization or PIN requirement while the " scammer BoFA '' provided me with an automated phone call asking me if I wanted to cancel this transaction, which I did. This was in consistent behavior with my BoFA history as they usually asked for authorization for any amount exceeding {$100.00}, which made it shocking that the real BoFA did not ask for any security authorization or even a notification that such a huge amount was being used on my account. Immediately after realizing this, I contacted Bank of America and XXXX, reported the fraud, and provided all requested documentation, including screenshots of my bank transactions, electronic and printed receipts for the gift cards, and evidence that the gift cards were blocked and not redeemed. I was also informed by two XXXX associates/representatives that the gift cards indeed had not been used and had been blocked and that I will receive a refund since I reported them promptly. Since the calls are recorded, you can check for such statements made by XXXX team dated around XX/XX/XXXX where I received this confirmation. After a few days, XXXX changed its statement to " the gift cards have been used and only {$400.00} could be refunded. '' Bank of America also initially confirmed a refund would be issued under their {$0.00} Liability policy for unauthorized transactions. However, after ten business days, they reversed their decision, stating I am liable despite providing evidence that I did not authorize the transaction and was misled by fraudsters. They also admitted a " system failure '' for not asking for authorization. I am seeking a full refund of the {$8200.00}, as I followed all instructions from official channels to report the fraud promptly and provided all evidence to support my claim.

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 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am a federal employee who has been working toward Public Service Loan Forgiveness ( PSLF ) for approximately 10 years. I submitted a PSLF Buyback application back in XX/XX/year> to cover prior periods of administrative forbearance that should have counted toward my 120 qualifying payments. Since submitting my Buyback request, I have received XXXX communication from my loan servicer ( MOHELA ) no acknowledgment, no status update, no offer, and no denial. The Department of Education advertises a 45-day processing time for Buyback applications. I am now approaching 16 months with no response. I recently contacted the student loan servicer and was told they could not locate or confirm the status of my application, raising concerns that it may have been miscategorized or lost entirely. I am 5 qualifying payments away from full PSLF discharge. The failure to process my Buyback application in a timely manner is directly harming my ability to complete the program and is causing ongoing financial harm. I am requesting that the CFPB investigate MOHELA 's handling of my PSLF Buyback application and require them to provide a formal status update and resolution within 30 days. -- - Do NOT check the box to publish keep this private.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood froze my crypto account due to suspected fraud when I tried multiple transactions ( 3 ) to send my crypto to my offline secure crypto cold wallet. I contacted their customer service and participated in their in their account review process over the phone for them to ensure that it was me doing the sending. Answered their questions as asked till they completed their information gathering. They told me that they would contact me regarding restoring access, and they did several days later. Some days later, they reactivated my account for the sendingcapabilities. A day or so later, I tried transferring my crypto again to my offline cold wallet and they denied the transfer and locked down my sending capabilities again. I thought that it may clear itself after several days so, I waited to access my account, only to see that the send function was still blocked. I contacted customer service a few days later about access and they said my account was indeed locked due to their determination that I had been scammed. I would remain locked out indefinitely. I asked them for the details of how and/or who had scammed me and stole my crypto that was transferred out to my cold wallet? ( I have confirmed that the crypto is listed in my account on my cold wallet app ). They said it is their policy that they do not give the details about how/who has scammed me. Only that they have determined that I had been scammed and that they are protecting me from future scams. This is ludicrous!! They left me with no opportunity to transfer my crypto to my cold wallet for better protection than their exchange can provide. They are basically holding my crypto hostage and will not disclose how I got scammed ( in their opinion ) nor grant me access to my crypto for transfer to the safety of my offline crypto cold wallet. I believe that it is not their place to withhold my ( or anyone else that logs into their account with all necessary information ) access to transfers. I log in through their secure portal so, they should know it is me doing what I want to do. Not knowing who/how they thing I was scammed, they offer no option for me to prove that the transfers were my own and not anyone else. Again, ludicrous!!! They have not blocked my entire account. They say I can buy all the crypto I want and do other transactions for stocks, ETFs, etc. I also filed a complaint with FINRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
Rebuttal to Response CFPB Complaint # XXXX I dispute the claims made by Lloyd & McDaniel , PLC as inaccurate and misleading. Their response states that the phone number used to contact me was provided by the original creditor, XXXXXXXX XXXX XXXX XXXXXXXX. This is not possible. The number that was called is a work phone number associated with my current employment. I did not begin working at this employer until XXXX, well after the account in question was opened in XXXX and charged off in XX/XX/XXXX. Because of this timeline, the original creditor could not have had this phone number on file. This directly contradicts the firms statement that the number was obtained from the creditors records. Additionally, this is a recorded business line, and call records exist confirming the inbound call from the firm on XX/XX/XXXX. This raises serious concerns regarding : The accuracy of the information used to contact me Whether third-party data or skip tracing was used without proper verification The risk of contacting me at a place of employment without valid source data While the firm claims compliance, their explanation of how they obtained and used this phone number is inconsistent with the facts. I request that this inconsistency be reviewed and that the firm be required to provide documentation proving the source of the phone number used to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
On XXXX attempted to contact company about a dept on my credit from Monterey Financial was told this will have a negative impact on my scores if not addressed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Yesterday, XX/XX/XXXX, I made a call to the Bank of America at XXXX because I had received an email notifying them that at XXXX and minutes before they used my credit card without being present, they made 5 transactions without my authorization, of which 2 rejected the bank and processed 3, one of XXXX XXXX another of XXXX $ and another of XXXX XXXX I requested the cancellation of that transaction and today I arrived an email from the bank with a letter that says that my case ( XXXX ) had been cancelled because I had suggested it and which seems totally false to me, I do not request that they canceled it, on the contrary I am demanding that those {$370.00} be rejected because I do not recognize any of these transactions, I demand that I do an investigation I am claiming that they do not charge me that and call me right away I realized, they took my case and sent me that letter falsely claiming that I asked to do it, today I call again and they say that they reopened the case but I do not see that I say open case in my app, I do not know what else Do it because I call and they leave me waiting for hours.

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 2026-03-30 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: WA

Complaint narrative:
My Wells Fargo bank accounts were accessed by an unauthorized user and this user contacted me and impersonated the bank. They put emotional pressure and urgency on me and stated there were unauthorized transactions that occurred and wanted to clarify if I did those transactions. I stated I did not and so they stated they were canceling said transactions. I believed I was protecting my account. During this process, I was coerced and directed to link a debit card that did not belong to me, which indicates third-party manipulation and unauthorized access. I did not knowingly authorize transfers to this account. I contacted the bank, filed a fraudulent claim to dispute the transactions, and requested reimbursement. Wells Fargo stated they were denying my claim for reimbursement since the transactions went through a third party company even though there was unauthorized access on my accounts.

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is a supplement to CFPB Complaint No. XXXX, filed XX/XX/XXXX, regarding {$110000.00} in wire fraud losses from two wire transfers made from my Bank of America accounts in XX/XX/XXXX. The first transfer of {$51000.00} occurred on approximately XX/XX/XXXX, and the second transfer of {$59000.00} occurred on approximately XX/XX/XXXX, both sent to the same recipient account at XXXX XXXX XXXX Bank. When I first reported the fraud to Bank of America, a Bank of America representative specifically advised me that I did not need to file a police report. I relied on that advice and did not immediately contact law enforcement. Bank of America subsequently attempted to recover my funds, and on XX/XX/XXXX, informed me the recovery was unsuccessful and closed both claims with no detailed explanation.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved payment processing issue involving a duplicate bill payment, a reversal, and an ongoing account reconciliation error that has not been corrected despite multiple attempts to resolve it. A duplicate payment was made through my bank, U.S. Bank, on XX/XX/year> and XX/XX/year> for a Spectrum bill. The duplicate payments were not intentionally initiated on my end, as the bill pay system typically prevents duplicate submissions. The issue appears to have resulted from processing through the bank rather than a user-initiated duplicate action. One of the duplicate payments was reversed on XX/XX/year>. However, prior to the reversal fully processing, the payment had already been applied to my current billing cycle with XXXX. As a result, there is now a {$31.00} discrepancy, and my account has been frozen with a restriction placed by the bill pay system operated by XXXX. I attempted to contact XXXX regarding this issue and was informed I would receive a callback within 48 hours ; however, no callback occurred. When I followed up, I was transferred between departments and ultimately redirected back to my bank. I also experienced a disconnected call during one of the support attempts. As a result, I have been unable to reach a resolution. Each party involved has redirected me elsewhere : The bank refers me to the processor The processor redirects me back to the bank The merchant indicates the payment has already been applied to my account This has resulted in a situation where : The duplicate payment no longer exists as a refundable credit The funds have already been applied to my Spectrum billing account The XXXX system still shows a {$31.00} discrepancy No party is taking responsibility for resolving the reconciliation issue

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Subject : Dispute and Request for Validation of Alleged Debt REF # XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account and have no knowledge of any such obligation. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or charges Documentation bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt. Until you provide proper validation, you must cease all collection activities and reporting of this account to any credit reporting agencies. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist from any further communication with me regarding this matter except as allowed by law. If you are unable to provide the requested validation, I demand that this account be immediately removed from my credit file and that you cease all collection efforts. Please send all correspondence in writing to the address listed above. Do not contact me by phone. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It has come to my attention that my credit report contains personal information that is inaccurate, specifically incorrect addresses that should not be listed under my profile. I have attached documentation to confirm my correct information. I am requesting the immediate removal of these erroneous addresses and any other inaccurate personal details to ensure my credit report reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: GA

Complaint narrative:
Validation of Debt Request - KINUM INC - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-30 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding a rental account associated with XXXX that I believe is being inaccurately reported. I submitted a dispute after discovering the charges on my statement in XX/XX/year> and promptly contacted RBFCU to dispute them. Despite this, I was later informed that my dispute was reversed. When I contacted RBFCU credit card support, I was told the reason for the reversal was that the dispute was considered out of range. This explanation is unacceptable, as I acted as soon as I became aware of the charges. Additionally, no documentation or evidence from XXXX has been provided to support the validity of the account or justify the reversal of my dispute. I have not been given any details regarding what information was reviewed or how the investigation was conducted. This lack of transparency raises serious concerns about the accuracy and fairness of the reporting and dispute process. I am requesting that the company provide all documentation used to verify this account and explain the basis for rejecting my dispute. If they are unable to provide verifiable evidence, I request that this account be corrected or removed from my credit report immediately. I expect a thorough investigation and a response supported by proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: CA

Complaint narrative:
Hello, I made a purchase on the website XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>. I ordered the XXXX XXXX XXXX in size XXXX, XXXX XXXX and I used XXXX to pay for the purchase. I received the wrong style of shoes from the merchant. They sent me a ankle style of boots in XXXX XXXX. I emailed the merchant that I didnt receive the correct style and the merchant said to return the incorrect shoes to them by using their pre-paid USPS shipping label. I shipped back the shoes and received an email from the merchant saying he will not be refunding me for my order. I stated why I wouldnt receive a refund, if I sent back the incorrect shoes I received. The merchant used vulgar language towards me. I stopped engaging with the merchant and I reported the purchase to XXXX. I provided images of proof to XXXX of the incorrect shoes and labels used. XXXX informed me I am still responsible to pay for the shoes. I opened a case with Affirm for fraud, since the Merchant kept the shoes that I purchased and I didnt receive a refund. XXXX then proceeded to ignore my requests and sent to debt to third party collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation