vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CT

Complaint narrative:
I had an XXXX XXXX XXXX bill from XXXX that was delinquent. The debt was removed from my credit report years ago. Last year it showed back up with the date of the debt modified to XXXX They wont send the contract or remove the debt

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 2026-04-15 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: MA

Complaint narrative:
I received a notification from Bank of America that funds were low in my checking account. I thought it was weird because I didnt have any bills due so I checked my account and found XXXX charges for a XXXX XXXX XXXX purchase made on XX/XX/year>. The first was for a XXXX in XXXXXXXX XXXX and the second was for a XXXX in XXXXXXXX XXXX. Each transaction was {$190.00}, so total {$390.00} was charged that was unauthorized. As soon as I saw the XXXX charges, I reported it to Bank of America and they were able to start an investigation and temporarily credit the charges. After a while goes by, Bank of America reports to me that they are unable to approve the claim because they said the charge was authorized by me or someone that has permission to use the card. Once I found this out, I called Bank of America XXXX department on XX/XX/year> and explained that I am the only XXXX that has access to the card which was still in my possession until Bank of America sent me a new one and no other person had permission to use the card. I also explained to them that I do not live in the area where either of the XXXX stores are located and have not purchased from XXXX or had a XXXX XXXX of any kind. I also informed them that there have not been any XXXX charges before or after these fraudulent charges were made. I also requested that they send the copies of documents that they used to make this decision which I have never received. After I explained this, the customer service representative reopened the case that day. Today, XX/XX/year> I received a letter in the mail stating that they are again unable to approve the claim based on the same reasons, that they say this was me or someone with permission to use the card. If Bank of America did a thorough investigation, they would find that these purchases were not made by me and or anyone else that would have permission to use my card ( no one else has permission to use my card ).

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 2026-04-15 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
On XX/XX/year> at approx XXXX to XXXX I called XXXX XXXX XXXX about an account. XXXX XXXX offered settlement for roughly {$2600.00} with deletion from credit bureaus. After placing me on hold XXXX minutes, I was transferred to XXXX XXXX who stated that the terms were {$2600.00} because he was a senior adviser. I pulled money from XXXX called back to tell them it would be earlier and they retracted there statement. I asked to review and honor recording was told come up with the rest and when and im getting income tax. Under misrepresentation I provided payment information but stopped payment with my bank before it cleared on XX/XX/year>. I filed a dispute with XXXX on XX/XX/year> and mailed a direct dispute/revocation to XXXX XXXX on XX/XX/year>. The debt is approximately XXXX XXXX XXXX, never paid, and I believe time-barred under XXXX law XXXX I revoked authorization due to FDCPA 1692e ( 10 ) violation. Desired resolution : Close account, delete from all credit bureaus, cease collection, provide call recording from XX/XX/year>. [

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: TX

Complaint narrative:
I am writing to complain about a recent problem i am having with XXXX XXXX. My XXXX XXXX just passed away on XX/XX/XXXX. He was receiving his hard earned Social Security benefits directly onto his XXXX XXXX account. I was married to him for XXXX years and was his caretaker the last XXXX months he was alive. I paid all of his bills through this account. Because he was so sick, and not able to spend the money left over each month, the balance grew. Some of that balance ( {$3000.00} ) actually belonged to me. He never had a checking or savings account. Just this account. Some of his bills would not accept this as a form of payment, so I would pay them from my personal account. Then he would go to an ATM and withdraw those funds to pay me back. Because he was so XXXX XXXX XXXXXXXX, he didn't do this the last few months, and I was consumed with working and taking care of him, so I didn't make it a priority to use his card to retrieve the money I was owed. He was XXXX. That's all I was concerned with. On XXXX, ( XXXX days BEFORE he died ), he received his last deposit. I have not received any further deposits because I promptly called Social Security and informed them of his passing. On XX/XX/XXXX, I began paying his monthly bills. I looked at the balance, and it was almost {$4000.00}. I paid a couple of bills, then went in to check the balance and it said the account is no longer valid. I called XXXX XXXX and was told that the account was closed because those monies are now part of his estate. I will have to become the Executor, or go through XXXX to retrieve them. He had no will. I can not understand why they would take funds that were his. They stole them as far as I am concerned. He and myself did not ever have any children. He does not have any children. He has no living parents. He has a couple of brothers that he has not spoken with in years and didn't know where they are. I did everything for him. He did not have any assets. He only had a truck and a home which he transferred out of his name and gave away before his death. No home furnishings, nothing. Just this account. So I am supposed to spend all of this money to put his " estate '' through XXXX, taking all of this time??? Why,?? I lost alot of money. I could not work for the last XXXX weeks, taking care of him. And now I have lost this money. Can someone please help me? I need to get this resolved quickly or I can't pay my own bills. How can I get this money that they stole from him and myself?? Please help.. His info is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS # ended in XXXX Please let me know what to do. I am prepared to file complaints all the way to my Congressman. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> a total of XXXX was taken from my account from Cash App XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and drafted from my XXXX account. I placed a claim with cash app which should have been resolved within XXXX business days but I have no resolution. I received a notice from cash app stating another device had logged. The account was closed due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 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: Duvera Billing Services, LLC
State: NM

Complaint narrative:
I was forced to use this company when getting my XXXX XXXX when I singed the contract it said something like 30 % interest however when I was finely able to log into the account the interest rate was actually 149 % I have paid more then the amount originally financed and have not even began to pay on the principal balance this is a predatory lender and it seems that i will never pay this off when i attempted to pay them with a credit cared i was advised that we don't take that care you will just have to keep pay the way you have been

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX5 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
on XX/XX/year> I was involved in an imposter scam that started with a XXXX XXXX about some XXXX that I was selling. A woman messaged me to purchase and wanted to send me money via XXXX. She claimed that she couldn't send the funds and that I needed to supply her with my email. She told me that she sent it, when I confirmed that she hadn't she said that XXXX would send me an email so that I could " fix '' the problem. I called the number on the email and spoke to someone that wanted to verify my accounts and identity. They had me verify my identity viva downloading an app called XXXX and completing " test '' transactions to " verify '' that it was me and that I owned the account. After an hour and XXXX dollars lost, I realized that he wasn't who he said he was and I promptly hung up the phone. XXXX I called my bank to report the issue and close the account. After almost a month of back-and-forth exchanges via email and phone the bank refuses to refund our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
I did not receive any direct response from Remitly regarding this complaint. Although the case shows Company Responded, I have not been provided with any response, explanation, or documentation through the CFPB portal or by email. The only documents appear to have been sent to my bank, not to me, which prevents me from reviewing or responding. I formally dispute the closure of this complaint and request that it be reopened. Additionally, no independent confirmation from XXXX XXXXXXXX XXXX XXXX XXXX XXXX has been provided. Without proof from the receiving bank, this transaction remains unresolved. I request that Remitly provide verifiable proof of delivery or issue a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing a complaint regarding inaccurate loan accounting and a disputed reinstatement amount following repossession of my vehicle. I financed my vehicle directly through Capital One Auto Finance. I made approximately {$5000.00} in payments toward the loan prior to the account being paid off. Capital One confirmed that these payments were applied to the loan and that the only overpayment on my account was {$700.00}, which was refunded to me. XXXX has stated that they performed a flat cancel and paid off the loan by returning funds to Capital One. However, Capital One has confirmed that they only received the remaining balance of the loan, not the full original financed amount. Because of these conflicting statements, there is no clear or consistent accounting of what happened to the payments I made. Despite this, I am now being required to pay approximately {$7000.00} to reinstate the loan after repossession. This reinstatement amount appears to include payments that were already made and applied to the loan. I have contacted Capital One multiple times requesting a full payment history, payoff reconciliation, and a detailed breakdown of the reinstatement amount. I have not been provided with a clear explanation showing how my prior payments were accounted for or why the reinstatement amount is so high. This lack of transparency and inconsistent accounting has prevented me from fairly reinstating my loan and recovering my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MI

Complaint narrative:
i never received a bill so i closed the account i moved to a few new houses and never received a notice before it went into collections i cant remember the date of service but it had to be between XXXX the amount is XXXX dollars it says closed on XX/XX/year> not sure what that means but it keeps appearing and disappearing on my credit report which is affecting my score i had no knowledge of this collection until i got my report

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 2026-04-15 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: FL

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 2026-04-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
The vehicle was totaled in an accident on XX/XX/year>, I had contacted my finance company and gap insurance so they could pay off the remainder of my loan. They charged off the remaining balance a month or so after the accident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: MI

Complaint narrative:
Ive made complaints about both banks involved but I deposited money into my Cash App and never received it and Cash App cant find my deposit with the trace numbers provided by my XXXX XXXX but I have a new trace number I request they search for my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am filing a complaint regarding a debt being reported and/or collected that is associated with a repossessed vehicle originally financed through XXXX XXXX XXXX . I am listed as a co-signer on this account. The balance being pursued is approximately {$16000.00}, which appears to be a deficiency balance following repossession and sale of the vehicle. However, I have not received proper documentation validating this debt. Specifically : I did not receive a Notice of Sale prior to the vehicle being sold I was not informed of the location of the vehicle after repossession I did not receive a post-sale accounting showing the sale price or how the remaining balance was calculated As a co-signer, I am equally entitled to receive this information. Because of this, the validity of the deficiency balance is in question. Request for Validation I am requesting that the debt collector provide : Documentation proving they have the legal right to collect this debt A complete chain of assignment or ownership of the account A full accounting of the alleged balance, including how the {$16000.00} was calculated Documentation from the original creditor showing : Proper Notice of Sale was sent The date and method of sale The sale amount of the vehicle Credit Reporting Concern This account is being reported to credit bureaus. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If the debt collector can not provide full validation and documentation, I request : Immediate cessation of collection activity Removal of the account from all credit reporting agencies Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-04-15 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: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I accidentally deposited {$250.00} into the wrong inmate account. Dispute denied and the money was never transferred to the appropriate person.

Company response to consumer: Closed with explanation