vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding the continued reporting and verification of a disputed repossession and deficiency balance by XXXX XXXX XXXX ( XXXX ). After reviewing GLSs prior responses and attached documentation, I identified multiple inconsistencies involving the addresses and repossession records being used to support continued credit reporting. The documentation provided by GLS contains conflicting address information, including incorrect apartment information and inconsistent ZIP codes associated with the same alleged mailing address. These inconsistencies raise serious concerns regarding whether the notices were actually generated and mailed at the time claimed and whether XXXX maintained accurate business records related to this account. Additionally, GLS has associated later addresses with this account that were not connected to the loan during the relevant timeframe surrounding the alleged repossession and sale of the vehicle. I continue to dispute ever receiving : * any notice of delinquency or right to cure ; * notice of intent to dispose of collateral ; * notice of sale ; * or post-sale deficiency notices. XXXX has failed to provide competent evidence demonstrating actual mailing procedures, mailing logs, certified mailing records, or delivery confirmation associated with these notices. There are also significant inconsistencies involving the alleged repossession itself. The repossession documentation references law enforcement involvement and a storage/recovery facility. However, after independently contacting the referenced entities, I was unable to verify involvement with my vehicle. I was informed there was no record associated with the vehicle, and I was unable to obtain records confirming the repossession, storage, or transfer history of the vehicle. These discrepancies raise additional concerns regarding : * the accuracy and reliability of the repossession documentation ; * whether the repossession and sale process complied with California law ; * whether the alleged sale was commercially reasonable ; * and whether the credit bureaus conducted a reasonable investigation after my disputes. Additionally, XXXX continues reporting inconsistent balances related to this account despite ongoing disputes and unresolved documentation issues. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation before continuing to verify disputed derogatory information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had lost my wallet in travelling, soI I went to the Bank Of America the next day to canel my debit and credit cards in my wallet. The bank employee found some unauthrised transactions while checking for any unauthorised transactions made recently in my checking account. He found some unauthorized transactions {$24.00} which were deducted from my checking account every for XXXX months regualrly. I filed a complaint to my bank for the total amount of {$470.00} and with the claim # XXXX XXXX on XX/XX/year>. After investigation the bank gave me a credit on XX/XX/XXXX for XXXX transaction Totalling {$470.00}. On XX/XX/XXXX the Bank Of America reversed the credit {$390.00} and only gave me {$74.00} credit stating that " We determined there wasn't an error on the transaction ( s ) totaling {$390.00} ''. On XX/XX/XXXX I resubmitted the claim to the bank stating that the merchannt website and phone number the bank provided did not exist. Again on XX/XX/XXXX I resubmitted the same claim and the bank responded on XX/XX/XXXX with " The charge was authorized by you or made by someone who has permission to use the card or account ''. The merchant name the bank provided me was " XXXX and phone # XXXX, The website domain did not exist and was on sale at XXXX and the phone # did not exist at the time of my first complaint.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-05-14 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: Experian Information Solutions Inc.
State: TX

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Albert Corporation
State: NY

Complaint narrative:
My XXXX cash wasnt due until XX/XX/year>, and my subscription fee of {$9.00} wasnt due until XX/XX/year>. XX/XX/XXXX I see a charge from XXXX taking {$33.00} out of my account which was unauthorized and not approved by me to be taken out. I contacted XXXX. They first told me it was for a subscription fee then it took them an hour to tell me that it was a partial payment. I was never once told there would be a partial payment taken out. And I never approved any money to be taken out until XX/XX/XXXX. They claim they wont refund me since it was a partial payment. I changed my payment day and again was never told that a partial payment would be taken out. Theyre claiming this payment was from XX/XX/XXXX but didnt come out for a whole week. They have no customer service number you can only speak through text or email or an AI chat. They take forever to respond. Theyre not helpful. I feel very deceived because XXXX stole money out of my account without my permission without telling me never once did they tell me money would be taken out on a day that I did not authorize it for it to come out.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Nala Payments LLC
State: MD

Complaint narrative:
Hello, I am following up regarding my previous complaint submitted on XX/XX/year>. It has now been over a month, and the company has failed to provide any response or resolution regarding my case. I would like this matter to be escalated, as the lack of communication and resolution is very concerning. I am requesting an update and immediate attention to this complaint. Please note that I am willing to provide any additional documentation or evidence if needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Heres a professional version you can paste into your CFPB complaint. I kept it factual, clear, and organized : On XX/XX/year>, at approximately XXXX XXXX, I received a fraudulent text message impersonating Bank of America regarding suspicious activity on my account. Believing the communication was legitimate, I followed instructions from the individual posing as Bank of America fraud support. At approximately XXXX XXXX, I transferred {$2400.00} from my Bank of America account to what I believed was a temporary secure debit card/account associated with Bank of America for fraud protection purposes. I later discovered that I had been deceived through impersonation and social engineering, and the funds were instead transferred through XXXX XXXX to an external account connected to a XXXX XXXX XXXX card ending in XXXX. I reported the fraud to XXXX XXXX within approximately 24 hours and also contacted Bank of America immediately after realizing the transfer was fraudulent. I am requesting a full investigation into this matter, including any possible recovery options, transaction tracing, and review of the receiving account associated with this transfer. You can also attach : * screenshots of the text, * XXXX XXXX transaction screenshots, * timestamps, * and any case numbers from XXXX XXXX or Bank of America.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: AL

Complaint narrative:
" I am filing this to report a bad-faith delay regarding Case # XXXX. On XX/XX/year>, Cash App sent me written confirmation ( see attached image XXXX ) stating that my {$7000.00} reimbursement is approved and that a 'clear path forward ' was established. However, when I called to verify the transfer, phone agents contradicted this written approval, claiming the case was 'closed ' and attempted to force me to start a new investigation. This is a violation of Regulation E and a failure to honor a documented settlement agreement. I am demanding the immediate manual release of the approved {$7000.00} to my verified account $ XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY 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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged overdraft fees on my checking account after believing my account included overdraft protection coverage. I contacted the bank to dispute the charges and explained that I thought the overdraft protection would automatically prevent these fees or transfer funds as needed. During my conversations with customer service, I was informed that my current Standard Checking account was not eligible for the overdraft protection service I believed I had. I requested a courtesy refund due to the misunderstanding and financial hardship caused by the fees. The bank reviewed my request but ultimately denied the refund, stating that the fees were applied correctly according to the account terms. I believe the information regarding overdraft protection eligibility was unclear and confusing, which led to my misunderstanding and these unexpected charges. I am submitting this complaint because I feel the overdraft policies and account protections were not explained clearly enough, and I am requesting further review of the overdraft fees charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
On XXXX XX/XX/year>, I called Bridgecrest for a 10-day payoff amount. They quoted me, {$17000.00} with an expiration date of XXXX XXXX XXXX. Subsequently, on the same day, I applied for and was approved for an auto refinance loan with my bank. On XXXX XX/XX/year>, my bank sent a check in the amount of {$17000.00} to Bridgecrest at XXXX XXXX, Bridgecrest XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX per directions on Bridgecrests Customer Support website : XXXX XXXX XXXX. XXXX was confirmed via XXXX tracking number to XXXX at XXXX on XXXX XX/XX/year>. Since my account still showed a balance on XXXX XX/XX/year>, I called Bridgecrest again at XXXX and was told they havent received a check and was told to try again in 48 hours even though I had tracking data saying otherwise. I called again on XXXX XX/XX/year> only to get the same story from XXXX who eventually transferred me to a customer relations representative named XXXX. XXXX was the only one that was polite and professional, listened to my situation and supposedly took down my information. She asked me to wait an additional 48 hours to give her time to resolve the situation. More than 48 hours later on XXXX XX/XX/year>, still no resolution and now Bridgecrest has the audacity to charge me an NSF fee on my recurring payment that was due on XXXX XX/XX/year>. I called Bridgecrest again on XXXX XX/XX/year> only to get the same run-around and ask me to call again in 48 hours. Once I realized the check was most likely lost, I called my bank to have them issue a stop payment on the original check and send another post-dated check to Bridgecrest. I called Bridgecrest to verify the correct address which they gave me a different address than what was on their website. Bridgecrest finally received the new check and cashed it on XXXX XX/XX/year>. However, they did not honor their agreement of removing the NSF fee and any accrued interest beyond the date of the original check. They now say I owe {$340.00} by XXXX XX/XX/year>. Due to Bridgecrest 's failure to post the correct address on their website for final payoff checks, they now owe me a refund check vs me owing them. So far, I have called Bridgecrest at least 12 times regarding this issue and even filed a XXXX XXXX XXXX XXXX XXXX XXXX complaint with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: WA

Complaint narrative:
I disputed a transaction with Current involving merchandise that was never properly received. During the dispute process, I discovered the merchant submitted conflicting tracking numbers as proof of delivery. I provided screenshots and documentation showing the mismatch. Current acknowledged receipt of the additional evidence and escalated the matter for review, but later refused further review because the original dispute was categorized as Unauthorized Transaction rather than Goods/Services Not Received. Despite providing evidence of non-receipt and inconsistent merchant documentation, Current refused to reopen, reconsider, or allow the dispute to be reviewed under the correct category. Their responses did not directly address the conflicting tracking evidence submitted. I am requesting review of whether Current conducted a reasonable investigation and whether consumers should be denied review based solely on dispute categorization when evidence supports a different dispute type.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I dispute this alleged rental debt. The apartment management company replaced flooring and charged me {$3800.00} without my authorization and without properly validating that I caused the alleged damage. I previously disputed this account, but the collection remains on my credit report. I requested validation and sufficient supporting documentation for these charges, including proof of damages, invoices, inspection reports, and evidence that I was responsible for the alleged damage. I do not believe the debt amount has been properly substantiated. Despite the disputed nature of this account, the collection continues to negatively impact my credit reporting. I am requesting a full investigation and validation of the alleged 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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I attempted to deposit {$600.00} cash into and ATM the ATM ate my money and then died I instantly called USAA and they did basically nothing for XXXX weeks untill they gave me a reimbursement and now month or so later they try to take the XXXX again

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: FL

Complaint narrative:
I entered into financing through EasyPay Finance in connection with an emergency auto repair completed at XXXX XXXX XXXX in XXXX, Florida. The original repair amount was approximately {$1900.00}. During the repair process, I was presented with electronic financing documents and signed them at the mechanic shop. However, the lease-to-own structure, automatic renewal terms, long-term repayment impact, and total potential repayment obligation were not verbally explained to me during the transaction. At the time of signing, I was not aware of the significance of the 90-day early purchase option or how substantially the repayment obligation would increase after the expiration of that period. I did not fully understand that missing the 90-day deadline could result in repayment obligations exceeding {$5500.00} on a repair bill under {$2000.00}. On XX/XX/year>, I contacted EasyPay Finance and spoke with representatives XXXX and manager XXXX regarding the account. During the call, I was informed that : the 90-day option expired on XX/XX/year> the total scheduled repayment amount is approximately {$5500.00} the cost of rental and related charges total approximately {$3100.00} the current 70 % plus taxes early purchase payoff amount is approximately {$2800.00} During the call, I requested the payoff information, agreement details, and the 70 % plus taxes payoff offer in writing for my records. EasyPay Finance declined to provide the payoff information or agreement details in writing despite multiple requests. At this point, I have already paid over {$1000.00} toward the account, yet only a small portion has reportedly gone toward the actual cost of goods while the remainder has gone toward rental costs, fees, and related charges. I also requested whether any hardship review, settlement consideration, or reduced payoff arrangement was available due to the disproportionate financial burden of the agreement, but the company declined to offer any alternative arrangement. I recently graduated college in XXXX and am just beginning my career. I do not have significant savings and can not reasonably afford repayment obligations exceeding double the original repair amount. I am requesting review of the companys disclosure practices, payoff transparency, sales practices at the point of service, payment allocation practices, and overall consumer communication regarding this financing arrangement.

Company response to consumer: Closed with explanation