vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I am submitting this complaint regarding Messerli & Kramer, P.A. and their attempts to collect an alleged credit card debt from me. I disputed the alleged debt and requested proper validation as permitted under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). However, the firm has failed to provide documentation sufficient to verify that the debt belongs to me. The only materials provided to me were credit card statements that do not contain my name or address. The firm has not provided the original signed agreement or any documentation demonstrating that I entered into the alleged credit card contract. Despite failing to properly validate the debt, the firm has proceeded with aggressive collection actions, including initiating wage garnishment. I also believe that I was not properly served with the underlying lawsuit as required under Minnesota law, raising serious concerns about the validity of the judgment used to obtain the garnishment. These actions appear to violate the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692g Failure to provide proper debt validation I am requesting that the Consumer Financial Protection Bureau review this matter and require Messerli & Kramer, P.A. to provide proper validation of the alleged debt and address the improper garnishment that has been initiated against me. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a checking account with BMO Harris with a XXXX balance. I have been trying to transfer that money for 4 days since XXXX and I keep having the bank cancel the balance even though I didnt hit their daily limit on transfers which I have NEVER heard of ever in banking. I have other accounts with Ally and XXXX XXXX and I have no issues moving money. This is criminal. I need this money for a legitimate real estate transaction. I have called numerous times and they either keep transferring me or telling me to go to another department. I am Accusing the BMO Harris bank of fraud. I did everything correct in order to access my funds early and they have put my transaction in jeopardy. They are cheaters and fraudsters. My account is 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 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
My credit card had XXXX returned payments but I did not know because I had XXXX on my account and my banking account information changed. I did not realize and I did not receive any notification from XXXX XXXX as to the returned payments! I noticed the error and immediately made XXXX {$500.00} payments XXXX weeks ago I. Right after the payments posted they closed my account! This is the second time! The first card I had was XXXX by XXXX XXXX and after they told me they would work with me because I couldnt make the payments AND I HAVE CREDIT PROTECTION, I kept them informed the entire time ( I was in the hospital, being a single mom and having XXXX kids and an illness I was in a huge bind ) and once I was back to work I paid them {$1000.00} only for them to close my account the very next day! I spoke to XXXX XXXX and the gentleman gave me an email address to email and told me they WILL reopen my account once I email them and tell them the issue, however I emailed them XXXX times and never got a reply and my account was still closed and nobody would help! Now it is happening again with my account for XXXX ending in XXXX. This is unfair! I am trying to buy a house and this is destroying me! I am in tears - I worked so hard to rebuild my credit after being in the hospital! I also do not think it is legal for them to not notify me that my payments were returned and then the second I make a huge {$1000.00} worth of payments to pay off my card like a good cardholder, they closed it! I am begging for someone to help me & reopen my account!

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 2026-03-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX, {$360.00} was taken from my USAA checking account for a credit card payment. The credit card does not belong to me nor was this transaction authorized by me. I contacted USAA that day to dispute the transaction and request the money be returned. I was informed that it could not be returned as an investigation needed to take place prior. I called back a second time and was told the investigation was found to be an error on the banks part and the money would be returned. I have called numerous times and received the same information that the claim is being processed and each time they give me an estimated date it should be returned. On XX/XX/XXXX, I spoke with XXXX in the Member Disputes department demanding my money be returned immediately. Her response was " I can not give you the funds back while I was on the call but she did have visibility in the system to see that it was on a representatives desk yesterday for processing. '' It has been 24hrs since that phone call and the funds still have not been returned. USAA bank has refused to return the money stolen from my account for 14 days now. Credit card ending in XXXX does not belong to me and I did not authorize any payments be made to a credit card ending in 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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was a victim of fraud and identity theft discovered on XX/XX/XXXX of XXXX. I was made aware of a low balance in my account by a text message from Bank of America. I immediately knew that was a mistake because I knew I had money in my account to go towards my mortgage payment that was due. I called the bank to report the fraud had taken place on XX/XX/XXXX. The fraud occurred because I received a fraudulent text message claiming to be XXXX that I entered my credit card information that was misused in several transactions adding up to {$1000.00}. Bank of America initially gave me a temporary credit in XXXX then denied my claim saying that it was a pin transaction or a chip card read. That information is false being that I was at work that day ( XX/XX/XXXXXXXX ) and had the card in my possession. I did not authorize any of the transactions. Bank of America then notified me on XX/XX/XXXXXXXX that they would be denying my claim and relinquishing the funds on XX/XX/XXXX. I immediately called the bank to dispute the decision and I filed a police report. I was told they would keep the case open until the resolution. On XX/XX/XXXX {$1000.00} was taken from my account leaving me on overdraft status. The bank apologized for taking the funds but said they would not be able to return the funds being that they only give a temporary credit one time during the dispute process. This process has been challenging and caused hardship for my family and I.

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 2026-03-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains inaccurate and potentially duplicate reporting that has not been properly corrected after dispute. I am requesting a full investigation and deletion of any information that can not be verified as accurate. Charged Off Accounts in Dispute XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} These accounts appear to also be reporting as collection accounts which may result in duplicate negative reporting on my credit file. Collection Accounts in Dispute XXXX XXXX Account # XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : {$240.00} XXXX Account # XXXX Balance : {$200.00} If the debt has been transferred to a collection agency, the original creditor should not continue to report a balance or duplicate derogatory entry. Please investigate and correct or remove this information if it can not be verified. Inquiry in Dispute I do not recognize the following inquiry and do not recall authorizing it. Please verify that a permissible purpose existed. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
My father passed away and I had to pay for funeral expenses and I got behind. I only owed XXXX payments of XXXX each. I was 3 months behind and they wanted XXXX or they were going to take my car. When I took my father 's ashes to Mississippi they took my car from the motel I was in which caused me to be stranded in Mississippi then homeless when I had no way back home. I lost my home I was renting and everything I owned. Im still stuck in Mississippi and got no home to go back to. My important papers my tools my clothes were all in my car when they stole while I slept. Since then I cant get help or a loan to buy a car. They destroyed my life over XXXX. It was the 2nd loan from them I paid the first one off and 4 puts of a XXXX payment loan of XXXX they wouldn't even return my things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I appologize for not following all your instructions, but I have to include the name and Company details, as this is for a Company payment related issue, regarding blocked funds by the XXXX for a purchase made to a XXXX XXXX called XXXX XXXX, which is currently part of the XXXX XXXX List. Also, I want to clarify that our Company is not part of this list. It is legitimate and manufactures parts, especially for the mining industry in XXXX. This money has been retained by the XXXX for more than 2 years! Even though a license application form was submitted, also, 2 years ago, we have not heard back from the XXXX ( we assume is due to workload ) and we have communicated with other agencies : XXXX & XXXX. And the XXXX referred us to you to try and find a solution for this matter. I attached all the relevant information and please let me know if you need any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CT

Complaint narrative:
Sallie Mae continues to contact me regarding my payment. I have been responsive with them and have attempted to get onto a hardship forbearance until my finances clear up in XXXX. They refuse to help me, telling me they can not put me on said forbearance because I am in the XXXX XXXX XXXX. I can not pay the payments required for the graduated repayment program and need more help. I am not running away from this issue and yet they still will not be flexible with me. My income is {$43000.00} a year take home and I can not pay {$1700.00} per month in interest payments. I need help before this goes into default and ruins my credit and my senior citizen mother 's credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have a {$200.00} Amex gift card which I can not find any vendor who will accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT ADJU/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: MD

Complaint narrative:
Re Acct # ( account number } This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, Transunion and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962el ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information recelved from you will collected as evidence should any further action be necessary. This is a request for information only, d is note stetenant, election, or Paiven of staus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MI

Complaint narrative:
To Whom It May Concern, This letter is a formal request for the Method of Verification regarding the account that I previously disputed on my credit file. I received notice that the account was verified. However, the response failed to provide the specific method used to verify the alleged debt. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), a consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher or person contacted during the investigation. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide the Method of Verification within fifteen ( 15 ) days of receiving this request. I am requesting the following information : 1. The name, address, and telephone number of the party contacted to verify the account. 2. The date and time of the verification. 3. The method used to verify the information ( electronic verification, documentation review, or other ). 4. Copies of any documentation used to verify the alleged debt. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. A simple automated response or XXXX system confirmation does not constitute a reasonable investigation. If you can not provide competent evidence of verification, including the documentation used, then the account must be deleted from my credit file immediately for failure to comply with the Fair Credit Reporting Act. Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies for violations of the Fair Credit Reporting Act. Please provide the requested information within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation
State: DE

Complaint narrative:
I have an XXXX XXXX card and was repeatedly prompted to sign up for overdraft coverage each time I logged into my account. After seeing this option multiple times, I eventually enrolled in the overdraft protection service. At some point, I had to use the overdraft coverage that the company actively encouraged me to sign up for. At no time was I warned that using this service could result in my account being closed. On XX/XX/year>, I made a payment of approximately {$550.00} toward my account. While making this payment, the website did not notify me that my account had been closed or was in the process of being closed. Today, I contacted XXXX XXXX through chat to ask when I would be able to use the available funds on my card. During that conversation, I was informed for the first time that my account had been closed, but no explanation was provided. I then called XXXX XXXX, and a XXXX confirmed that my account was closed due to overdraft activity. This was confusing because I had specifically enrolled in the overdraft protection program that the company repeatedly encouraged me to sign up for. I do not understand how my account could be closed for using a service that was promoted and offered by the company itself. Closing an account without warning or notification after encouraging customers to enroll in overdraft protection feels deceptive and misleading. I believe this situation reflects false advertising and a lack of transparency in how the overdraft protection service is represented to customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief