vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I opened a savings account with Bank of America in XXXX and was clearly informed by a bank representative at the time of account opening that there would be no monthly maintenance fee associated with the account. However, I later discovered that I was being charged a $ XXXX monthly maintenance fee. This fee was not clearly disclosed to me when I opened the account, and I would not have opened the account had I been properly informed. After noticing the issue, I made multiple attempts to resolve it with the bank, including phone calls and in-person visits to a local branch. Initially, I requested refunds twice and those were granted. However, the bank continued to charge the monthly fee afterward. I repeatedly contacted the bank to stop these charges and to request additional refunds. In several instances, I did not receive responses to my inquiries, or I was given unclear or inconsistent explanations. Despite my efforts, the issue was not resolved, and the monthly fees continued to be charged. Over approximately three additional months, I was charged maintenance fees that were not refunded. Due to the banks failure to resolve the issue, I ultimately decided to close the savings account to stop further charges. After closing the account, I contacted the bank again to request a refund of the remaining fees. My request was denied on the basis that the account had already been closed, and I was told they could not process a refund. I believe this situation resulted from inadequate disclosure of account terms and a failure by the bank to properly address and resolve a recurring billing 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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt collection entry reported by LVNV FUNDING LLC on my XXXX credit report. The account number ends in XXXX and reflects a balance of {$700.00}, currently marked as 'Collection. ' I have no knowledge of this account, nor have I ever opened or authorized any credit card associated with this debt. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. I became aware of this erroneous account after checking my credit report and noticing a significant drop in my credit scorescurrently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This inaccurate reporting has adversely impacted my financial standing, restricting my ability to obtain credit at favorable terms and causing undue stress and financial strain. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of any debt that I do not recognize. Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that only accurate and verifiable information be reported to the credit bureaus. I formally request verifiable documentation proving that this debt is mine. In the absence of such documentation, I demand that LVNV FUNDING LLC immediately cease all attempts to collect this debt and remove this account from my credit report across all three major credit bureaus : XXXX, XXXX, and XXXX. On XX/XX/XXXX, I contacted XXXX to initiate a dispute regarding this collection entry. However, I have yet to receive any satisfactory resolution or evidence that substantiates the validity of this purported debt. Continued reporting of this account without proper validation is not only unjust but also a violation of my consumer rights. I request your prompt attention to this matter to avoid further damage to my credit standing and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: NJ

Complaint narrative:
Product : Credit reporting Issue : Incorrect information on credit report Company : LVNV Funding LLC Complaint : I am filing this complaint regarding inaccurate and potentially misleading credit reporting by LVNV Funding LLC. LVNV Funding LLC is currently reporting an account on my credit file ( Account Number : XXXX ) and has verified the information as accurate with the credit bureaus. However, when I contacted LVNV Funding LLC directly, I was informed that they are unable to accept payment because the account has been transferred to legal counsel or another entity. This creates a material contradiction. LVNV Funding LLC is reporting an active balance, yet they acknowledge that they do not have authority to collect on the account. If the account has been transferred, assigned, or otherwise placed with another entity, LVNV Funding LLC may no longer have the legal authority to report a balance or certify the account as accurate. This raises concerns under the Fair Credit Reporting Act, which requires that all furnished information be complete and accurate, including the correct party with legal authority over the debt. Reporting a balance without proper authority may constitute inaccurate or misleading reporting. Additionally, this conduct may violate the Fair Debt Collection Practices Act, which prohibits false, deceptive, or misleading representations regarding the legal status or ownership of a debt. I have disputed this account with the credit bureaus, but it continues to be reported as accurate without resolving this inconsistency. I am requesting the following resolution : * A full investigation into LVNV Funding LLCs authority to report this account; * Verification of the current legal owner of the debt; * Correction or deletion of the account if LVNV Funding LLC can not demonstrate proper authority to report it ; * Assurance that my credit file reflects only accurate and legally verifiable information. I am seeking a prompt resolution to ensure my credit report is accurate and compliant with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had a XXXX credit card that was closed and converted into a Wells Fargo XXXX card without my knowledge or consent. I never activated the new card, never received any mailed information other than a random new card in late XXXX, and was unaware of the change until I received an SMS in XXXX notifying me of fees on the account. Timeline and facts XXXX : I received an SMS saying there were fees on an account I did not recognize. XX/XX/XXXX : I called Wells Fargo to investigate. During that call I paid down the balance and a representative agreed to waive the fees and said i could check back in a few weeks and close the account XX/XX/XXXX : I called Wells Fargo again as I noticed an even bigger fee on my account. The representative stated there were no call notes that the representative had noted from XX/XX/XXXX. Additional fees were added to the initial fees. I requested to close the account and address the fee issue ; the rep who assisted was named XXXX, who closed the account but couldn't figure out the fee issue. She issued a complaint - XXXX I have been charged fees on a card I never activated. My balance was transferred between cards without my knowledge or consent. Despite the promise of a waiver, fees continue to be applied and I am now being charged {$100.00} ( or more ). Why this is a problem Unauthorized account conversion and balance transfer without my knowledge or consent. Fees assessed on a card I did not activate. Promised fee waiver ( XX/XX/XXXX ) was not honored, and Wells Fargo claims no record of that call. Ongoing and escalating fees create an unfair financial burden and risk to my 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 non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: AR Resources, Inc.
State: MO

Complaint narrative:
I am formally disputing two medical collection accounts reported by AR Resources inc. on my credit report. Both accounts reflect the same {$840.00} balance and appear to be duplicate reporting of the same alleged medical debt. These accounts have already been disputed through Experian and remain under dispute, yet they continue to be reported. Previous medical collection disputes of this nature have been removed, but these accounts have not been corrected within a reasonable time. I request full validation of the alleged debt, proof of the collector 's legal authority to collect, proof that reporting is accurate and lawful, and explanation for duplicate reporting. If validation can not be properly produced, I demand immediate deletion from all consumer reporting agencies. I also request investigation into whether protected medical information was improperly disclosed beyond what is legally permitted. HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
As usual one day i made a paper deposit at store to a balance on my cash app for everyday needs. Hrs later my cash app account along with my other accounts were closed with out reason or specification. I was told to appeal but i asked appeal what was the violation but they did not explain nor answer. I was not even giving a chance to correct what ever it was that i did wrong. I only had mire then one account because one of the cashapp reps told me it was not against theyr policy to have multiple accounts. Ive tried talking writing and appealing but so far all they day is there decision is final but yet they still cant not give a specific answer to what was violated not even a formal explanation. XXXX tolday 3 months later nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a debt collection reported by NATIONAL CREDIT ADJUST appearing on my credit reports with XXXX XXXX XXXX XXXX. The account in question is listed under account number XXXX XXXX XXXX XXXX XXXX with a stated balance of {$680.00}. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. This debt is not mine, and I have never entered into any agreement or transaction that would result in this collection account. I first became aware of this error when I checked my credit reports and noticed a significant drop in my credit scores : XXXX XXXX, XXXX XXXX, and XXXX XXXX. The presence of this erroneous collection account has adversely affected my creditworthiness and caused substantial distress as I am currently in the process of applying for a mortgage. On XX/XX/XXXX, I filed disputes with all three credit reporting agencies requesting the removal of this account due to incorrect details. Despite my dispute, the account remains uncorrected on my credit reports, violating my rights under the Fair Credit Reporting Act ( FCRA ), which entitles me to accurate and fair credit reporting. I am requesting that NATIONAL CREDIT ADJUST provide full validation of this debt, including any original contracts or agreements bearing my signature, which substantiate their claim. In the absence of such evidence, I demand the immediate removal of this account from my credit reports with XXXX XXXX XXXX XXXX Furthermore, I urge the CFPB to investigate this matter to prevent any further damage to my credit profile caused by this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Robinhoods failure to properly investigate and resolve a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026 ). I disputed two charges made by a merchant identified as XXXX : - {$2600.00} on XX/XX/XXXX - {$2600.00} on XX/XX/XXXX These charges total {$5200.00}. I provided my card information only during a rental application process. Any authorization for charges was strictly conditional upon approval and execution of a lease agreement. I was not approved, did not sign any lease, did not receive keys, did not take possession of any unit, and did not receive any goods or services. Despite this, the merchant charged rent. I reported these charges to Robinhood as unauthorized and explained that no valid authorization existed because the condition ( approval and lease execution ) was never met. Robinhood denied my dispute, stating there was not enough evidence, but did not provide any documentation or proof showing that I authorized these charges. Why this is wrong Under the Fair Credit Billing Act, Robinhood is required to conduct a reasonable investigation and provide evidence supporting its determination. Robinhood failed to : - Provide any documentation showing authorization ( such as a signed lease or agreement ) - Demonstrate that I agreed to be charged rent despite being denied - Properly consider that no goods or services were provided These charges constitute billing errors because they were not authorized and no services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or around XX/XX/year>, my account with Capital One was suddenly frozen following a wire transfer that was legitimate and authorized. Immediately after the freeze, I contacted Capital One and was informed that my account was under review. This wire transfer was for the sale of my XXXX XXXX XXXX, which was handled through a dealership owned by my friend. The transaction was legitimate and authorized, and the funds represent proceeds from that vehicle sale. Since that date, I have made multiple attempts to obtain information and resolve the issue. However : I have not been provided a clear explanation for why my account was frozen I have not been given a timeline for when the investigation will be completed I was initially not provided clear instructions on what documentation was required After repeated follow-ups, I was eventually given a general email address to submit supporting documentation, but no specific guidance on what was needed. Despite this, I have submitted documentation in good faith to demonstrate that the wire transfer was legitimate. As of today, it has been over 10 days, and my funds remain inaccessible. During this time, I have experienced significant inconvenience and financial disruption due to the inability to access my own money. Additionally, I have been informed that my account may be closed, and a check may be issued. However, I have not received confirmation, a timeline, or expedited handling of my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing this complaint regarding a fraudulent transaction conducted through Chimes Pay Anyone feature, and Chimes failure to adequately investigate and resolve the matter despite a formal escalation. On XX/XX/year>, I sent a total of {$350.00} to a Chime user in connection with manufacturing services for a business I am launching ( XXXX ). The payment was sent in two transactions : {$100.00} labeled Koalapatch {$250.00} labeled Koalapatch The recipient is identified as : Name : XXXX XXXX Chime Tag : XXXX XXXXXXXX Location : Alabama Status : Not in my contacts These payments were authorized, but they were made based on the understanding that legitimate manufacturing services would be provided. Importantly, the only reason I felt comfortable sending these funds was because the individual was operating through a Chime account. I reasonably relied on the legitimacy of the platform and believed that users operating within it were subject to appropriate safeguards and oversight. The recipient has failed to deliver any goods or services and has ceased communication, which constitutes fraud through misrepresentation. I reported this issue to Chime, and it has been assigned escalation reference number XXXX. Despite this, Chime has not provided a satisfactory resolution. On XX/XX/year>, I attempted to recover the funds by submitting two payment requests totaling {$350.00}, both of which were declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: TX

Complaint narrative:
I opened an account with the, input my bank info. And used the app shortly, then without my permission they started charging me XXXX a month. So I canceled my account and removed my bank info from their app. They made me delete my account which was fine. Then they kept charging me monthly for 3 months before I realized. So texted their support and said quit charging me please. So they said they will no longer charge me. Even tho I already went through this process once. They also denied giving me a refund. Now they will not respond. They just keep charging me and theres nothing I can do to stop them

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On or about XX/XX/year>, I reviewed my consumer credit report and identified an account reported and/or collected by Portfolio Recovery Associates that is inaccurate, unverified, and not properly substantiated. Portfolio Recovery Associates is reporting and attempting to collect on an alleged debt without providing adequate documentation establishing ownership or legal authority to collect. I have not been provided with : A complete chain of title showing transfer of the alleged debt A valid agreement or contract bearing my authorization A complete accounting of the balance being claimed Despite this, the account is being reported to consumer reporting agencies and treated as a valid and enforceable obligation. Additionally, the account reflects inconsistent and unreliable data, including balance reporting without supporting documentation and continued derogatory reporting without proper validation. I have reason to believe that the account may be associated with identity theft or unauthorized activity, as reflected in my previously filed Federal Trade Commission Identity Theft Report. I have disputed this account, yet it continues to be reported and/or collected without correction, indicating that proper validation and investigation have not been conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
URGENT : CFPB Complaint, Medical Hardship, and Seizure of Social Security Benefits Whom It May Concern, I am writing to request immediate executive escalation regarding a critical issue involving my account with Bank of America. I have been a Bank of America customer for approximately 32 years. I currently have an active complaint filed with the Consumer Financial Protection Bureau regarding the handling of my account and the seizure of my Social Security benefits. Despite being assigned a resolution specialist, I have made multiple attempts to contact them by phone and email and have received no response. On XX/XX/year>, my Social Security benefit of approximately {$3000.00} was deposited into my account and was immediately taken in full by Bank of America to offset a negative balance resulting from a reversed provisional credit. This action has left me with no available funds. This situation has now escalated into a serious medical hardship. I have undergone XXXX XXXX XXXX and rely on multiple essential medications, including XXXX XXXX and XXXX XXXX. Because my Social Security funds were fully removed, I currently have no ability to obtain these medications, food, or other basic necessities. This creates an immediate risk to my health and safety. Additionally, Bank of America has failed to respond to multiple contact attempts despite assigning a resolution specialist, leaving me without any assistance while this urgent situation continues. I am requesting immediate intervention from Executive Customer Relations to : * Review the seizure of my Social Security benefits * Provide access to funds necessary for basic living and medical needs * Assign a responsive point of contact * Provide a clear explanation of the legal basis for these actions Given the urgency and medical risk involved, I am requesting a response within 24 hours. If I do not receive a response, I will continue to pursue this matter through all available regulatory channels. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 monetary relief