vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
An account was opened in my name at a prior address without my authorization after I had already relocated. When I contacted Bank of America to report the account as fraudulent, they refused to address the issue unless I added my personal phone number to the account for verification. After providing my number, the bank treated the account as valid, refused to close it properly, and failed to investigate the fraud claim. This effectively forced me into accepting responsibility for an account I did not open. Despite reporting the issue, Bank of America failed to conduct a proper investigation or provide a written explanation. This situation raises serious concerns regarding identity theft handling and account verification practices. I am requesting a full investigation, written explanation, confirmation that the account was fraudulent, and correction of any related records.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Lockhart , Morris & Montgomery ( Account # XXXX ). I formally requested validation of this alleged debt, including the original signed contract, complete payment history, balance calculation, proof of assignment, and the method of verification used to confirm the accuracy of the account. To date, the company has failed to provide any of the requested documentation. They have not produced a signed agreement, have not shown how the balance of {$140.00} was calculated, and have not provided any proof that they have the legal authority to collect or report this account. Despite this failure to validate, the account continues to be reported to the credit bureaus, including XXXX XXXX XXXX XXXX. Reporting information that can not be properly substantiated is inaccurate and incomplete. Additionally, the company indicated that someone would follow up regarding this matter, but no response or documentation has been provided. I am requesting that this account be fully investigated and that the company either : 1. Provide complete and verifiable documentation supporting the debt and their authority to collect and report it, OR 2. Immediately cease reporting this account and request deletion from all credit reporting agencies Continued reporting of unverified information may constitute a violation of the Fair Credit Reporting Act, as well as unfair collection practices. I request a prompt resolution and written confirmation of the outcome of this investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: VA

Complaint narrative:
I am filing a complaint regarding improper billing and dispute handling on a Klarna account tied to a XXXX purchase totaling {$1000.00}. This issue involves two separate errors : 1. One item was returned and refunded, yet I continued to be charged and made payments on that item. 2. A second item was never delivered, but my dispute was mishandled. I was repeatedly asked to provide return tracking for an item that was never received. Due to repeated incorrect handling , Klarnas system marked my case as having exceeded the maximum number of dispute attempts. As a result, they refused to continue the dispute process. Despite the issue remaining unresolved : Payments were resumed during the dispute Klarna confirmed my account is NOT protected from interest, penalties, or negative reporting during their review They refused escalation to a supervisor or manual review outside their automated system This has caused ongoing financial impact while waiting for resolution. Klarna has confirmed that all communication is logged under Complaint ID : XXXX. I am requesting : Immediate correction of the billing error Refund of any overpayments and interest charged Confirmation that no negative credit reporting will occur Review by a team outside of automated dispute limitations This issue is not a standard dispute it is a billing/account error that has not been properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
Company : Chime Financial , Inc. Complaint Type : Fraudulent transfer / scam denial of fraud resolution I am submitting this complaint regarding fraudulent transactions processed through my Chime account and the companys refusal to reverse or properly remediate the loss despite being notified of fraud. On XX/XX/XXXX, I sent a total of {$400.00} in two transactions ( {$350.00} and {$50.00} ) to an individual who falsely claimed to be selling event tickets. The seller misrepresented themselves as XXXX, though the Chime account displayed the name XXXX, with the handle XXXX XXXX and phone number XXXX ( XXXX ) XXXX. The payment was initiated after I was contacted through what appeared to be a legitimate XXXX email. After sending the funds, I discovered the communication was fraudulent and I never received any tickets or services. The seller then became unresponsive, confirming this was a scam. I immediately contacted Chime and clearly reported that I was a victim of fraud and a scam. I explained that I was deceived into sending the payments under false pretenses. Despite this, Chime denied my request for reimbursement, stating that because the transfers were authorized Send Money payments, the funds could not be recovered. I am concerned that my case was not evaluated as fraud involving deception and impersonation. This was not a simple authorized transfer between legitimate parties. It was a scam involving : * Fake XXXX email used to induce payment * Misrepresentation of identity ( XXXXXXXX XXXX XXXX ) * Non-delivery of promised goods ( event tickets ) * Complete cessation of communication after payment I am requesting a full review of this case as fraud rather than a standard peer-to-peer transfer. I am also requesting reimbursement of the full {$400.00} loss, as the transaction was obtained through deceptive and fraudulent means. I have supporting documentation including screenshots of conversations, payment confirmations, and the fraudulent email used in the scam, and I am willing to provide any additional evidence required. I believe this case was not handled in accordance with appropriate consumer fraud protections, as funds obtained through deception should not be treated as a standard authorized transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA offered promotion for XXXXXXXX XXXX bonus for new business checking accounts. I called my local branch and got the code XXXX and entered it, it took. Terms were XXXX XXXX balance must be funded/maintained by days 30-90. This period has ended last month and I never go the bonus owed.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
On XX/XX/year> there was XXXX wire transfer made from XXXX XXXX to Capital One. The Funds were successful and made according to banking regulations. Capital One put a hold on the funds and later closed the account and withdrew the money. The money has not been returned to the original account it came from. We have verified and made several phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have been a XXXX and repaying loans since XXXX. I have always worked at a Title I school ( the same school since then ) that qualifies for PSLF and TPSLF. I have called and tried to talk with people for years on and off. I have been assured EVERY TIME that I am in an administrative forbearance and this time I haven't been paying will STILL count towards my PSLF or at other times TPSLF. Now, I'm being told NOTHING has counted since XXXX. I can not get ahold of anyone, Mohela call lines are too long, and they are not helpful. For YEARS I have tried to figure out what I needed to do to get my now 13 years of service to count for something. I never asked for my loans to be in forbearance during this time. I should qualify for them to be forgiven. Mohela is unhelpful and changes information constantly. I have contacted Mohela and never get ahold of anyone. I was under XXXX XXXX from XXXX XXXX XXXX of XXXX as they finally cleared me with my last XXXX. I tried to get them to backdate and accurately code the administrative forbearance like it is supposed to be listed as. I've tried to get them to clarify why it's on admin forbearance and get a different answer every time. My loans should be at a point of forgiveness for a plethora of reasons. Mohela has never been helpful in ensuring I'm on the right plan, communicating options to me, explaining what would qualify for PSLF and what wouldn't, even from the start. I can't get ahold of anyone within a reasonable manner and when I finally do, it's too late. I have called repeatedly from XXXX XXXX. I have recently even verified with Fed Aid Government Student Loans, thinking that maybe the servicer changed. That is not the case- it is still Mohela XXXX Mohela still hasn't told me about the administrative forbearance, still hasn't answered in response to the XXXX needs, and I gave up. I can't stay on the phone for hours on end while holding down a XXXX XXXX, medical issues, and being a mom.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: MD

Complaint narrative:
Subject : Complaint Against Sezzle Excessive and Repetitive Late Fees Creating Debt Cycle I am submitting a formal complaint against Sezzle regarding what I believe to be excessive, repetitive, and unfair fee practices associated with their Buy Now Pay Later services. Between XXXX and XX/XX/year>, I incurred multiple late and failed payment fees on several Sezzle transactions. After reviewing my account history, I identified a concerning pattern : For a single missed payment, Sezzle routinely charged both a Failed Payment Fee ( typically {$6.00} ) and a Late Payment Fee ( often up to {$16.00} ), effectively stacking multiple penalties on one event. These fees were repeatedly applied across installment payments tied to the same original purchase, resulting in multiple rounds of penalties for what is essentially one obligation. In many cases, the total fees assessed were equal to or greater than the underlying payment amount. For example, on payments in the {$23.00} {$28.00} range, fees approached or exceeded {$20.00}, representing nearly 100 % of the payment amount. The fee amounts were inconsistent and unpredictable, ranging from {$16.00} to smaller amounts such as {$2.00} or being labeled as free, with no clear explanation for the variation. Across multiple transactions, the total fees accumulated to a significant percentage of the original purchase price. In one instance, fees exceeded {$56.00} on a {$260.00} purchase, and nearly {$50.00} on a {$130.00} purchase. These practices have made it extremely difficult to bring my account current, as the continuous addition of fees creates a cycle where catching up becomes increasingly unmanageable. I believe these practices may constitute unfair or abusive acts under consumer protection laws, particularly due to : The stacking of multiple fees for a single missed payment The disproportionate relationship between fees and payment amounts The repeated application of fees across installment payments The lack of transparency and consistency in fee assessment I respectfully request that the CFPB : Investigate Sezzles fee practices Require a detailed explanation of how these fees are calculated and applied Review whether these practices comply with consumer protection standards Assist in obtaining relief, including a refund or reduction of excessive fees applied to my account I am willing to provide full documentation of my transaction history upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
Complaint Against : [ Current Mobile Banking Provider ] Issue Type : Unauthorized or incorrect charges/ dispute handling failure / failure to release funds I am filing a complaint because my financial institution is improperly withholding a {$200.00} rental car deposit that has already been released by the merchant ( XXXX XXXX ). The merchant confirmed the deposit was released on or around XX/XX/year>, ( and previously, I experienced a similar delay with the same merchant where funds were returned after approximately 30 days ). but my bank has not returned the funds to my available balance. I have contacted my bank multiple times, but my dispute was denied without clear explanation, and customer service has not resolved the issue. I am currently traveling and rely on timely access to my available funds. The continued delay in releasing merchant-released funds is creating financial hardship and restricting access to my own money. This is not an unauthorized transaction issue ; it is a failure to properly process and return funds after merchant release. I am requesting immediate release of the {$200.00} and a written explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Loan Processing Delays and XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding my experience with XXXX Homes and their affiliated financing process. My family and I entered into a purchase agreement with XXXX XXXX for a new construction property. During this process, we were required to sign a contract and provide a significant deposit totaling {$15000.00} before receiving a formal loan approval from any lender. Since then, we have been attempting to obtain mortgage approval. However, instead of providing a clear approval or denial, the builder and/or their affiliated lender have delayed issuing a formal loan decision. Despite indications that we may not qualify, they continue to prolong the process by attempting to submit applications to additional lenders. This delay is directly impacting our ability to exercise our financing contingency and cancel the contract. Without an official denial letter, we are being prevented from recovering our deposit, which is a substantial financial hardship. Our concerns are as follows : 1. We were required to provide a large deposit before securing financing approval. 2. There has been an unreasonable delay in issuing a formal loan approval or denial. 3. The company appears to be prolonging the process to avoid triggering the financing contingency. 4. We are being prevented from recovering our deposit due to the lack of a formal denial, despite clear difficulty in obtaining financing. We are requesting the following : - Immediate issuance of a formal loan denial from the lender ( s ) involved. - A clear explanation of why the process has been delayed. - Assistance in enforcing our rights under the financing contingency. - Review of whether these practices comply with federal consumer protection laws. This situation has created significant financial and emotional stress for my family. We are seeking a fair resolution and the ability to move forward without further unnecessary delay. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts have been affected : XXXX XXXX XXXX XXXX XXXX - XX/XX/year>

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused mental distress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
This account has previously been disputed. Despite this, you have continued reporting inaccurate, unverifiable, and misleading information, in violation of the Fair Credit Reporting Act ( FCRA ). You verified this account without providing : A signed contract A chain of assignment Any documentation supporting the debt I have never entered into any agreement with Jefferson Capital LLC. You have failed to provide : Proof of legal ownership Documentation of assignment Authority to collect You report : misleading and reaging of an account Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX No valid payment history No balance calculation No documentation from original creditor ( XXXX ) I request full disclosure of how this account was verified. No such documentation has been provided. This account is not reported by XXXX This inconsistency demonstrates unreliable and incomplete data furnishing.

Company response to consumer: Closed with non-monetary relief