vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of an identity theft and unauthorized transaction dispute. After being assaulted and robbed by a roommate in XX/XX/XXXX, I began noticing unauthorized transactions occurring on my financial accounts, including my Cash App account. Over time, approximately {$1500.00} was taken from my accounts. I reported the identity theft to the XXXX XXXX of Police, and a police report was created documenting the theft and the suspect involved. I filed a dispute with Cash App regarding unauthorized transactions associated with my account. Cash App opened dispute case XXXX XXXXXXXX and later denied the claim, stating that the transactions were authorized by me or someone I authorized to use my credentials. However, Cash App did not provide evidence supporting this determination. After the dispute was denied, I contacted Cash App support again and requested written documentation of their investigation, including audit findings and the basis used to determine that the transactions were authorized. I specifically requested information such as device login records, IP address logs, authentication records, and any documentation used in their investigation. Cash App acknowledged that my request for documentation was submitted on XX/XX/XXXX and stated that the matter was escalated for review. However, the company did not provide the requested investigation records or any evidence supporting their conclusion. I believe Cash App failed to conduct a reasonable investigation into the identity theft claim and improperly denied reimbursement for unauthorized transactions. I am requesting that Cash App conduct a proper investigation and provide the evidence used in their determination, and reimburse the funds taken from my account as a result of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has been harassing me for monies never provided by their company. They are not the legal owner of the debt in collection that they are claiming. Request for validation sent to Portfolio Recovery with no response after 65 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Affirm Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX, a Buy Now Pay Later loan was processed through Affirm for a XXXX service provided by XXXX. The transaction was incorrectly processed twice, resulting in two separate loans. On XX/XX/XXXX, Affirm cancelled one of the duplicate loans but left the second loan active. The underlying XXXX service was cancelled and never used. I provided Affirm with documentation showing email correspondence between myself and XXXX confirming that the service/subscription had been cancelled. Because of this cancellation, no services were ever provided to me. I disputed the remaining loan with Affirm twice and submitted the cancellation documentation during those disputes. Despite this evidence, Affirm denied both disputes and has continued to claim that the balance is owed. In an attempt to resolve the issue directly, I sent additional emails that included both Affirm and XXXX as recipients so that both parties could address the cancellation and loan status together. Neither company acknowledged or responded to those communications. Based on the documentation provided, Affirm should have been able to verify with the merchant that the service had been cancelled. Instead, it appears the dispute process relied only on confirming that a transaction existed rather than conducting a reasonable investigation into whether the underlying service was actually delivered. I have been an Affirm customer since XXXX and have successfully repaid more than 20 loans totaling over {$5000.00}. So, if the service had been provided, I would have paid the balance without issue, just I have always done. However, because the service was cancelled and never delivered, the remaining loan balance is not valid. Additionally, this account has been been reported to credit bureaus despite ongoing disputes. As such, continuing to report the account as owed may constitute inaccurate credit reporting under the Fair Credit Reporting Act. I previously requested that Affirm conduct a reasonable investigation into the validity of this debt, but the dispute responses indicate that the underlying cancellation evidence was not meaningfully reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
On XX/XX/XXXX, a financing transaction was executed for a XXXX XXXX XXXX XXXX ( VIN : XXXX ) with a {$3800.00} down payment. The transaction was facilitated by XXXX XXXX XXXX ( dba XXXX ) and financed by their captive lender, Universal Acceptance Corporation ( UAC ). This transaction was predicated on a series of documented statutory violations : Identity-Based Bank Fraud : The dealership intentionally suppressed legal identity and marital status information to bypass internal risk-assessment and lend ing protocols, violating C.R.S. 18-5-902 and 18 U.S.C. 1344. Criminal Simulation & Odometer Fraud : The vehicle was sold with an odometer reading of 163,284a verb atim match to a XX/XX/XXXX auction record. Forensic XXXX diagnostic logs confirm a manual electronic reset occurred 21 miles prior to sale. This reset was used to suppress critical life-safety failure codes ( VCS, Stability Control , and ABS ) that were not disclosed to the buyer or the lender. Documentary Contradiction : The dealership provided a certified Federal Odometer Disclosure for XXXX miles to satisfy lending requirements while simultaneously marking the Bill of Sale as " Exempt '' to attempt to evade liability for t he 21-mile forensic reset. Incomplete/Unassigned Instrument : The Motor Vehicle Retail Installment Contract ( Page 7 of 7 ) contains a blank assignment signature line. Despite the " Notice to Buyer '' prohibiting the signing of contracts with blank spaces, the entity induced the transaction without legally executing the assignment to the lender. Consequently, UAC is attempting to enforce a security interest and collect debt based on a legally unassigned instrument. Material Omission : The entity failed to disclose " Announced Hail Damage '' from XXXX, a violation of the Colorado Consumer Protection Act ( C.R.S. 6-1-105 ). The respondent, XXXX XXXX XXXX XXXX, maintains active business registrations in Colorado, Ohio, and Nebraska. I believe the documented fraudulent actsincluding the manual suppression of life-safety codes via ECM reset and the use of incomplete/unassigned installment contractsrepresent a standardized corporate protocol rather than an isolated local occurrence. I request a federal audit of their multi-state reconditioning and disclosure practices under the FTC CARS Rule. '' An active criminal investigation is ongoing with the XXXX XXXX XXXX ( XXXX # XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint due to failure to properly validate an alleged debt while continuing to report and/or attempt collection. I timely requested full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. Specifically, I requested competent evidence that I am legally obligated to pay this debt, including a copy of the original signed agreement and complete accounting of the amount claimed. To date, the company has failed to provide sufficient documentation establishing legal obligation. Despite this failure, they continue to report this account to the credit bureaus and/or pursue collection activity. Reporting an unverified debt and continuing collection efforts without proper validation is inaccurate, misleading, and inconsistent with federal consumer protection laws. I am requesting immediate deletion of this account from all credit reporting agencies and cessation of all collection activity unless and until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Unfair XXXX of XXXX Earned Points Despite Maintaining Multiple Active Accounts Description of Incident : I am a long-term, high-value customer of American Express. Recently, I closed my American Express Gold Card. At the time of closure, I held a significant balance of approximately XXXX Membership Rewards points. I remained a loyal customer of American Express National Bank with two other active, high-spend accounts : 1. American Express XXXX XXXX 2. XXXX XXXX American Express Because I remained an active " Member '' in good standing with multiple accounts issued by the same bank, I was under the reasonable impression that my earned rewards were secure. I was never clearly warned that closing one specific " flavor '' of Amex card would result in the total forfeiture of $ XXXX in earned assets while my other Amex accounts remained open. Legal & Regulatory Basis for Complaint : CFPB Circular 2024-07 & UDAAP : The CFPB has recently clarified that credit card issuers may not unilaterally revoke earned rewards through opaque distinctions between internal reward systems. Forfeiting the equivalent of {$3500.00} from a customer who still holds two other active accounts with the same bank is an " Unfair, Deceptive, or Abusive Act. '' Lack of Meaningful Disclosure : The distinction between " Membership Rewards '' and " Reward XXXX '' is an internal accounting preference of American Express, not a clear consumer-facing boundary. A reasonable consumer expects their " Membership '' to cover all accounts under their SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Servicers : Bank of America, XXXX, Shellpoint Trustee : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) SHORT NARRATIVE I made XXXX Trial Period Plan payments totaling {$68000.00}. Bank of America never credited these payments. Their internal register shows they were posted as Misc Postings. Later servicers reported inconsistent balances, including a recent IRS XXXX XXXX showing {$330000.00}, contradicting prior statements. The foreclosure was based on inaccurate balances, and the property was sold for {$100.00}. I request investigation into servicing errors, failure to credit payments, inaccurate balances, and improper foreclosure. Additional information provided by consumer : XXXX2026 Consumer is calling due to additional info request. Consumer wants the complaint to go to Shellpoint she understands 1 company per complaint and will file another complaint for BofA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I dont own them any money if i do own them they have the right to sue me for there money but they never filed a lawsuit against me, i have all my payments recipe handing thats why I want them to take me yo court, i can prove to the court that i dont owe them anything, sending wrong information to my credit reporting company it is against the law, you cant fine me guilty without taking me to court thats a XXXX from cooperate and it is against my constitutional rights, it is better the court to decide the matter, si i am asking CFPB to ask them to go to court of law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am disputing inaccurate reporting on my credit report from Bank of America. This account has been disputed with the credit bureaus multiple times and they continue to mark the account as updated without providing documentation verifying the debt. Under the Fair Credit Reporting Act, I am requesting Bank of America provide documentation verifying : The original signed credit agreement Full payment history Accounting records supporting the charge-off Proof of the reported balance If the information can not be verified, I am requesting the account be deleted from all credit reporting agencies.

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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America Credit card shared with deceased ex wife Bank says it wasnt shared account Car loan I had no idea I was on at XXXX XXXX XXXX belongs to deceased ex wife also Credit cards I had no idea I was co sign on credit company transfers her XXXX to my credit report after she died I asked for proof of ownership they responded with Im now responsible for all of our credit 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'my phone was stolen and a fraud unauthorized wire was made to a scam company that is dissolved and doesnt exist\nfor XXXX$ i want my money back \nattached police report and prove this company was dissolved at that time and a scam.\ntransaction XXXX XXXX XXXX\XXXX$ to XXXX XXXX XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings 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: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year>, I sent an international wire transfer of {$32000.00} from my KeyBank account to a bank in XXXX XXXX. The transfer was rejected because the beneficiary name field was entered incorrectly. KeyBank informed me that the wire was rejected and a recall request was submitted, but the funds have still not been returned it has now been over five weeks. I was told the funds are with an intermediary bank and they are waiting for the intermediary to release the funds. I have not received written confirmation of the current location of the funds, a recall reference number, or a timeline for return. I want the funds returned to my account as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: OR

Complaint narrative:
b'I am having huge and disrespectful problems with being able to access my accounts on the phone with this company. I am being locked out and this is causing me problems. Employees will not even let me talk with supervisors. I need them to contact me with a human being and one that does not deny me over bogus verification actions so I can get a proper way to permanently access my accounts. There is no way to email and the phone numbers I have tried just get me more hindrances. My number is XXXX XXXX XXXX and that is for most days in the afternoons pacific time or give me a number who and when to call. If an appointment time is needed that can be sent prior to my XXXX XXXX This is outrageous that I have to go to all this hassle to get access to my money.'

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 2026-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding how Bank of America handled my debit card dispute. I made a purchase from XXXX totaling {$170.00}. At one of the retail store in XXXX XXXX on XX/XX/year> and since they do not have the size of my daughter, I ended up agreeing to shipping in to California where I lived. When I received the items, the shoes were two different sizes and could not be properly used. I attempted to return the items to the merchant, but they refused the return because they claimed the shoes were briefly used. They ever re route me to the manufacturer. But the manufacturer said it was the retailer 's responsibility not them. The shoes were briefly used as this was the only way my daughter will find out the difference of sizes. I filed a dispute with Bank of America because the items I received were not usable and the merchant refused to resolve the issue. Bank of America initially denied the claim. I requested that the dispute be reopened and reviewed again, but after reopening the case they still sided with the merchant. I needed a clarification and what evidence was used to deny my claim and how the decision was made. I believe the dispute was not properly and throughly investigated and that I was left responsible for a charge for items that could not be used and could not be returned. I am requesting that Bank of America conduct a proper and In depth review of my dispute and provide a clear explanation of the evidence used to deny my claim. Furthermore, XXXX XXXX failure to disclose its return policy and refusal to correct incorrect merchandise constitutes an unfair and deceptive business practice.

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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against IQ Data XXXX regarding inaccurate credit reporting and unauthorized collection activity in the amount of {$6000.00}, reported on XX/XX/year>. This account had previously been removed from my credit report but was improperly re-opened and re-reported. I dispute this debt in its entirety. When I vacated my apartment with the original creditor, I signed a key return/surrender agreement that was mutually signed and approved. Under this agreement, my balance was waived. I also have a final ledger from the original creditor clearly showing a XXXX balance. These documents confirm that I do not owe the alleged amount. Despite my disputes, IQ Data XXXX continues to resubmit outdated documentation to the credit bureaus while failing to provide updated documentation proving they are legally authorized to collect this debt. They have not provided any documentation overriding the signed mutual waiver agreement or showing a legally valid remaining balance. I believe this conduct violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Reporting inaccurate information Failing to conduct a reasonable investigation Continuing collection efforts without proper validation Re-reporting a previously deleted account without new legitimate evidence This inaccurate reporting is causing harm to my credit profile and financial standing. I am requesting the following resolution : Immediate investigation into IQ Data XXXX reporting practices Immediate deletion of this account from my credit reports Confirmation that all collection activity has ceased Written explanation from IQ Data XXXX detailing how they claim this debt remains valid despite the signed waiver and XXXX-balance ledger I have attached copies of my XXXX-balance ledger and the signed key return/waiver agreement as supporting documentation. Thank you for your assistance in resolving this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
This medical debt was paid through XXXX and they still trying to charge me and added it to my credit 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