vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This is what I put on Police Report : I frequently check my credit score. If not every day, it's once to XXXX a week. I was in XXXX when I XXXX noticed hard inquiries from XXXX and XXXX. This was on XXXX or XXXX of XX/XX/year>. The XXXX inquiries didnt appear at the same time but maybe a day or XXXX apart from each other. Give or take. I was busy packing and doing some errands I had to do before leaving for XXXX at the time so I somewhat brushed it off. But I noticed a phone number in XXXX of the inquiries and I dialed it. It's XXXX. Nobody answered. A moment later, someone called me back from the number XXXX but hung up. The phone number doesnt appear anywhere in my credit score now so that I can take a screenshot of it. I flew to XXXX on the XXXX of XXXX, same year. I got busy after I came back to XXXX and had forgotten about the hard inquiries until XXXX XX/XX/year> when I checked my credit score, it dropped tremendously by XXXX or XXXX. That's when I noticed that a fradulent account was opened and it had {$1000.00} balance which was, according to the report, XXXX % or the credit limit. I do have excellent credit for years and I dont normally take more than XXXX % of my credit limit in each credit card except on credit cards that have deferred interest promos like the one I currently have now, as you can see on my credit report, from XXXX XXXX. I then started disputing the report on XXXX credit bureaus. If Im not mistaken, I disputed those accounts within XX/XX/XXXX to XX/XX/XXXX. I also put a fraud alert for my credit score in XXXX bureaus. It really alarmed me because I don't have access to this fraudulent card with {$1000.00} in balance and I don't want it to be erroneously delinquent under my name and potentially cause my score to plummet further. I have been seeing additional inquiries. Like yesterday, XXXX XX/XX/year>, I just saw that there's inquiry on XXXX XX/XX/year> from XXXX. THis is from XXXX by XXXX - Please provide your financial institution 's name and address. = [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] - Please provide any credit/debit card or check numbers. = [ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Account # XXXX Account name : SECURITY CREDIT SERVICES Dear SECURITY CREDIT SERVICES, I recently received a debt collection notice from your office. I am writing to formally dispute the validity of this alleged debt and to request complete verification and validation that you have contacted the correct individual, that the amount claimed is accurate, and that you have the legal standing to collect it. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, please supply me with the following fundamental documentation and information : 1 The Complete Chain of Assignment : Provide a complete, unbroken chain of assignment from the original creditor down to your institution, documenting the legal transfer of this specific alleged debt. 2 The Bill of Sale : Provide a copy of the specific Bill of Sale or assignment agreement that explicitly names my account, proving your company legally purchased and owns this debt. 3 The Original Agreement : A copy of the original contract or agreement signed by me with the original creditor, including the original terms and conditions. 4 Itemized Statement of Account : A complete ledger showing the original debt amount, the date of delinquency, and an itemized breakdown of any interest, fees, or charges added thereafter. 5 Licensing and Bonding : Proof that your company is legally licensed and bonded to collect debts in my home state. 6 The name and address of the original creditor and the current creditor. 7 Proof that the original creditor securitized the debt, including documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Cease and Desist Notice Please cease and desist from all collection activities and any further communication regarding this account until you have provided complete validation as requested above. Credit Bureau Reporting & Permissible Purpose Additionally, I request that you do not access my credit report or report this unverified account to any credit bureaus. If you have already reported this debt, you are required by law to mark it as " Disputed '' immediately. Please state your specific permissible purpose under the FCRA for accessing my credit information, as I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer or sell this alleged debt to another collector, you are required to inform them that the validity of this debt is actively disputed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I had a pending authorization hold from XXXX hotel on XX/XX/year> for incidentals on a rented hotel room. I checked out the next day and got a receipt showing there were no charges to my credit card on file. XXXX closed out my bill gave me a receipt yet current customer service says its not released. This is a mistake on Current banks end as I know for a fact that I checked out of the room and my deposit with XXXX hotel was released. Now I called current and asked them to call XXXX and ask them to verify the release of my funds. Current customer survice rep said they weren't able to call. They said it could take up to XXXX days to get my money. I dont understand why it would take this long when I have bills to pay and need to use my money for food. If XXXX has released the funds then Current lied to me and refuses to credit my account. I would like them to credit my account and verify that the funds are released by the hotel. Thank u XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
On XX/XX/year>, Lloyd & McDaniel , PLC sent me a debt-collection notice on alleged XXXX XXXX XXXX account ending XXXX, claiming a balance of {$6100.00} ( their file number XXXX ). The notice identified Lloyd & McDaniel , PLC as a debt collector. On XX/XX/year>, well within the 30-day window provided by 15 U.S.C. 1692g, I sent Lloyd & McDaniel , PLC a timely written dispute and request for validation by U.S. Certified Mail, Return Receipt Requested. My letter disputed the entire alleged debt and requested specific items required to validate the debt, including a copy of the original signed cardholder agreement, a complete itemized statement of account from the original creditor from account opening through charge-off, the name and address of the current owner of the debt, a complete chain of title showing every assignment from XXXX XXXX XXXX XXXX XXXXXXXX. to the current owner, written authorization to collect, the date of first delinquency and charge-off, and the firm 's Georgia debt-collection license information. My letter also restricted communications to written U.S. Mail only. On XX/XX/year>, Lloyd & McDaniel , PLC sent a one-page response. That response did not provide validation. It consisted only of ( a ) a one-line statement that the account was opened on a particular date, ( b ) a one-line statement of an alleged current balance, ( c ) a referral to a P.O. Box in XXXX, Texas where details and account history could be found, and ( d ) an enclosure of approximately one year of billing statements. The response did not include the signed cardholder agreement, any chain of title or assignment documentation, an itemized statement from the date the account was opened, the date of charge-off, the date of first delinquency, the identity of the current debt owner, the firm 's Georgia licensing information, or any verification from a person with personal knowledge of the original creditor 's books and records. Today, XX/XX/year>, I am sending Lloyd & McDaniel , PLC a follow-up certified letter renewing my dispute, identifying the specific items missing from their XX/XX/year> response, and demanding full validation under 15 U.S.C. 1692g ( b ). I am also filing this CFPB complaint because the firm 's response, on its face, does not meet the validation requirements of the Fair Debt Collection Practices Act or 12 C.F.R. 1006.34, yet the firm appears positioned to continue collection on a debt for which it has produced no proof of ownership and no proof that I owe this specific amount to this specific party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: King of Credit Financial, Inc
State: MS

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX XXXX XXXX from a dealership financed through XXXX XXXX XXXX XXXX XXXX XXXX add-on products totaling {$1400.00} were financed into my loan but were voided or never submitted to their administrators on the day of purchase. I have written confirmation from all three third-party administrators. As of today XXXX credits for these products have been applied to my loan account. A second Retail Installment Sale Contract was created on XX/XX/year> and funded by XXXX XXXX that same day. I did not sign this contract. The dealership 's XXXX XXXX confirmed the contract shows a signature timestamp of XXXX XXXX on XX/XX/XXXX. My XXXX Maps location history places me at a hospital XXXX miles from the dealership from XXXXXXXX XXXX XXXX XXXX XXXX that day encompassing the exact timestamp referenced. I did not authorize this contract which contains material changes from my original signed agreement including different product charges and a different first payment date. XXXX unauthorized hard credit inquiries from XXXX XXXX appeared on my Equifax and TransUnion reports on XX/XX/year> the same date as the disputed contract on a date I was not at the dealership and did not authorize any new credit application. The dealership 's sales XXXX sent written communications threatening to repossess my vehicle over a rebate documentation request despite the contract having been assigned to XXXX XXXX without recourse giving the dealer no legal authority to make that threat.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions LLC mailed and addressed a medical collection notice to me on the behalf of my daughter, XXXX XXXX. In your letter, your words are as follows : We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX. My daughter does not live at my address and has not lived at my address in over XXXX XXXX XXXX years. My daughter will be XXXX XXXX XXXX in XXXX days. According to this collection notice, the debt occurred XX/XX/XXXX. She was XXXX XXXX XXXX when SHE incurred the debt and did not live at my address when she incurred the debt. Furthermore, she was gainfully married in XX/XX/XXXX. I am NOT responsible for any debt owed by HER. I am NOT responsible for anything she does in her life! I suggest this matter be taken up with her and her only. This is erroneous, unfounded, incorrect and will obtain an attorney to handle this further!

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: FL

Complaint narrative:
This debt collector has engaged in unjustifiable and harmful practices prohibited under the Fair Debt Collection Practices Act. They reported and furnished an account that I never knowingly agreed to, signed for, or entered into under any lawful contract. A valid legal agreement requires participation and consent from both parties, and I did not participate in or authorize this alleged obligation. Not only has this caused damage to my credit and financial stability, but it has also created emotional stress, embarrassment, anxiety, and hardship in my daily life. Because of this account reporting, I have suffered difficulties trying to maintain housing, obtain credit, and move forward financially. I feel like my rights as a consumer have been ignored and abused. Furthermore, the collector failed to properly validate this alleged debt and did not follow the required validation procedures under the FDCPA. Despite my disputes and concerns, they continued reporting inaccurate and harmful information. According to the FDCPA, I am entitled to protection from these unlawful collection practices and may be entitled to compensation for the violations committed against me. I demand that this account be removed from my credit file immediately and that all collection activity cease unless proper legal validation can be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an Bank of America checking account on XX/XX/year>. On XX/XX/year>, Bank of America withheld my funds, due to not being able to verify my identity. I have not received any email or phone call for verification of identity or warning of account being closing. Bank of America also said I could fill out form to withdraw my fund after my account was closed. I was told to come back on Tuesday and that I would be able to withdraw my funds then. On XX/XX/year>, I went to Bank of America, they told me that they have no idea. And my account is subject to change, so they will not close my account until they see fit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I received an alert from XXXX that someone used my information to apply for a short term loan. I have to send a request via mail to get more information XXXX would not share any info via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this complaint against Ally Financial for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 and 607. Ally Financial is currently reporting late payments and derogatory information on my account despite the fact that my loan payments were deferred during the COVID-19 hardship period and moved to the back end of the loan. These accommodations were part of COVID-related deferment arrangements, yet Ally continues to report the account as delinquent and late. This reporting is inaccurate, misleading, and damaging to my credit profile. Under FCRA Section 623, furnishers of information have a legal obligation to report complete and accurate information to consumer reporting agencies. Under FCRA Section 607, reasonable procedures must be maintained to ensure maximum possible accuracy of information reported. I dispute the accuracy of the late payment reporting because : The payments were deferred under a hardship accommodation ; The deferred amounts were added to the end of the loan term ; I was led to believe these payments would not be reported as late ; Ally Financial continues knowingly reporting derogatory information despite the deferment agreement. I am requesting the following resolution : Immediate removal of all inaccurate late payment reporting related to the COVID deferment period ; Correction of the payment history to reflect deferred or current status ; Verification and correction of the reported account balance if inaccurate ; Written confirmation of the investigation results ; Copies of any signed agreement showing I authorized deferred payments to still be reported as late. I believe Ally Financial has failed to properly investigate and correct inaccurate reporting and may be violating federal law by continuing to furnish inaccurate information to the credit bureaus. This inaccurate reporting has negatively impacted my creditworthiness, financing opportunities, and overall consumer profile. I request that the CFPB investigate this matter and require Ally Financial to comply with all obligations under the Fair Credit Reporting Act.

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 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I discovered in XX/XX/year> that my identity had been used fraudulently in connection with a Bank of America account/debt that I did not open or authorize. Since then, I have contacted Bank of America approx 20 times by phone and it went through different branches every time. I had to explain the situation every time to different person. I provided supporting documentation through certified mail including a police report, XXXX report, copies of my identification, lease documents. Despite this, Bank of America repeatedly reopened the claim and then denied it again without properly resolving the issue. I continue to receive payment notices and demands for payment for a debt that resulted from identity theft. This situation has caused significant stress, wasted time, and concern about damage to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I applied for a Chase credit card based on a promotional offer of XXXX free nights after completing the required spending. I completed over {$3000.00} in qualifying purchases before my first billing cycle closed on XX/XX/year>. Chases own system showed that I had already earned XXXX free nights. The promotion stated rewards could take up to XXXX to XXXX weeks to post. The XXXX week deadline passed around XX/XX/year>, and I still received nothing. I contacted Chase and an escalation ticket was opened, but over a week later there has still been no resolution, update, or delivery of the promised rewards. I believe Chase used this promotion to encourage spending activity and then failed to honor the advertised bonus despite confirming it was earned. This is unacceptable and extremely misleading to consumers. I am requesting that Chase immediately issue the XXXX free nights I earned and provide appropriate compensation for the unreasonable delay and poor handling of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: OK

Complaint narrative:
Someone used my bankcard for cash app transactions in the amount of almost {$16000.00} ;! I contacted cashapp and they are saying that I need to log into my account to contact them but I have no cash app and my bank is not helping me either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I sent a domestic wire transfer for {$10000.00} through Wells Fargo related to a real estate escrow transaction. The wire instructions I received appeared legitimate and connected to the transaction, so I believed the transfer was being sent to the correct escrow account. Later the same day, I discovered that the wire instructions were fraudulent and that I had become the victim of escrow wire fraud. I immediately contacted Wells Fargo and reported the transaction as fraud. I requested that the bank initiate a wire recall and attempt to recover the transferred funds as quickly as possible. A fraud claim was opened and reviewed by Wells Fargo. However, I later received a written notice stating that because the receiving bank did not return the funds, Wells Fargo was unable to reimburse me and the claim was closed. I am submitting this complaint because I believe additional investigation and consumer protection review are necessary regarding this fraudulent wire transfer and the handling of my fraud claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation