vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I filed a dispute for a transaction in the amount of {$2400.00} with Bank of America. Since that date, I have followed up over 5 times and have had conversations ranging form 30 minutes to over an hour with employees, managers, and supervisors. They all requested I do certain things, gave me the wrong information, caused me to waste gas, time and energy, and still haven't credited the amount of {$2400.00} to my account. I spoke with a XXXX on XX/XX/year> at 9:55 XXXX who is the supervisor of the claims department and of XXXX and XXXX, which are two individuals I spoke to on the same call prior to reaching their supervisor. XXXX advised me to go back to the vendor, who operates their business nearly an hour away from me, and request a receipt stating I'm owed a refund on their official letterhead. I did as such and have it documented under complaint ID # XXXX. Today I spoke to XXXX and then her supervisor XXXX around 12:56XXXX who is a XXXX XXXX XXXX. She informed me I'm not the first client in her 10 years with the bank to receive the runaround, be lied and misinformed by bank employees, and still not receive proper treatment from the bank. She advised I follow up on Tuesday. I am still receiving runarounds and advice to " callback '' nearing 3 months into this now. I also wrote an email to the overall complaints department - a " XXXX XXXX '', to request a meeting to file a formal complaint with BOA again. So after 3 months, multiple hour long conversations, looking up BOA 's policy and ethics, and seeing they're in violation of all they claim to stand for, I've still to receive my credit to my account, and they continue to tell me to do things that waste my time, energy, and money. BOA disputes department takes no accountability.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to Section 605 ( b ) of the FCRA, TransUnion is obligated to remove from my file any information that is the result of fraud or identity theft, once the consumer has provided proof. I request that this information be permanently removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-03 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: CO

Complaint narrative:
I was a victim of identity theft, and this company has been reported on my credit profile and mentally anguishing me. This is not my debt and I keep explaining that to them that I have a police report and they refuse to help me out. They want the money and that is not something I owe to them at all so I need help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 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: CO

Complaint narrative:
There are several collection agencies on my credit report, and all these agencies are reporting falsely because my identity was stolen and they have a debt that not mine I have explained to them several times that I was a victim of identity theft, and they still keep reporting on my credit file. They are several agencies that are reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
In XX/XX/year>. I consolidated my bills with XXXX XXXX XXXX. CareCredit, through Synchrony Bank, was included in the consolidation. Both XXXX 's representative and myself has contacted Synchrony and informed them that my bills are consolidated and to speak with a XXXX representative about this account. Synchrony has continued to harass me about this account. They have called, sent emails, and mailed bills to my home address to get a payment instead of going through XXXX. Today, at XXXX XXXX, I received a call from a Synchrony representative wanting to assist me in making a payment. I hung up the phone. If possible, I want them charged with harassment. They were notified about this and still continue to contact me instead of 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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: AR

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX Memphis on XX/XX/XXXX. Within days the vehicle showed dashboard warnings, overheating, and leaking transmission seals. XXXX XXXX XXXX diagnosed leaking transmission hoses, seals, and gaskets and estimated repairs of approximately {$4500.00} ; the dealership does not have the parts to complete the repair. The transmission failed XXXX days after Carvanas XXXXday return window closed. I paid {$64.00} for transmission fluid that did not fix the issue and have paid warranty deductibles ( {$100.00} previously ; {$350.00} pending ). The vehicle has been in repair since XX/XX/XXXX. I have photos, repair estimates, receipts, warranty documents, and prior complaints filed with the Tennessee Attorney General and Comptroller. Current mileage is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
The date of my first delinquency occured more the XXXX years ago. yet XXXX XXXXXXXX XXXX continues to report this on my credit report. 

I haves disputed this with Experian and it was inaccurately verified despite being obsolete. 

I am requesting immediate deletion of XXXX accounts that are too old to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Financial Solutions is attempting to collect a debt for a property in which I have never resided. The company claims that I signed a lease addendum, which is false, and continues to demand payment for a debt I do not owe. 
Representatives of FMS Financial Solutions contacted me by phone and stated that I signed an addendum related to this account. I clearly informed them that I never signed any such addendum. 
I previously disputed this debt and requested full validation, including a signed lease or addendum and proof of occupancy. Despite this, the company continued collection attempts. 
During a subsequent phone call, after I again stated that I never signed an addendum, the representative became hostile, instructed me to have an attorney contact the company, and terminated the call. 


First call : XX/XX/25 Initial Dispute Email : XX/XX/25 Second call : XX/XX/25 Second Formal Dispute and request of information : XX/XX/25

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Date : XX/XX/year> Radius Global Solutions XXXX Cease and Desist Unlawful Debt Collection Practices ( Florida ) To Whom It May Concern, This letter serves as formal notice that you are to cease and desist all communication with me immediately regarding the alleged debt you claim I owe.

I dispute this debt in its entirety. I do not acknowledge any obligation to your company. To date, you have failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Your continued attempts to contact me constitute harassment and unlawful collection activity in violation of both : FDCPA, 15 U.S.C. 1692c, 1692d, and 1692f, and Florida Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559.72, which prohibits abusive, deceptive, or harassing debt collection practices.

Pursuant to these laws, you are hereby directed to : 1. Immediately cease all communication with me, including but not limited to phone calls, voicemails, text messages, emails, and written correspondence.

2. Remove my phone number ( s ), email address ( es ), and mailing address from your active collection systems.

3. Provide written confirmation that you have complied with this cease and desist request.

4. Refrain from reporting any information regarding this alleged debt to any consumer reporting agency, or immediately correct and delete any such reporting already made. 

Be advised that any further contact from your companyother than written confirmation that collection efforts have ceasedwill be documented and may result in complaints being filed with the Florida Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ). I also reserve the right to pursue civil remedies available under both federal and Florida law.

This letter is not a refusal to pay, nor an acknowledgment of any debt. It is a demand that you comply with state and federal law. 

Govern yourself accordingly. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

I disputed the XXXX XXXX XXXX account ( Account XXXX. XXXX ) with XXXX, specifically stating that the furnisher must provide documentary evidence including a signed lease, full itemized ledger, depreciation schedules, specific damage amounts net of depreciation, authenticated copies or original scans of bills that added up to the damage amounts, similar authenticated documents for non-damage amounts, and proof of legal authority to report the debt. 

Despite this, XXXX XXXX XXXX responded by simply certifying the account as verified without providing any documentation or evidence whatsoever. Experian accepted this unverifiable certification and continued reporting the account as accurate, all within XXXX day. This can not constitute a reasonable reinvestigation as required under FCRA XXXX. Even assuming arguendo that a one-day investigation could be considered reasonable, no documentary evidence was provided to me to demonstrate that any lawful verification occurred. 

This constitutes a violation of FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 7 ), which require that consumer reporting agencies conduct a reasonable reinvestigation and disclose the method of verification, and a violation of FCRA 623 ( a ) ( 1 ) and 623 ( b ), which prohibit furnishers from verifying information they can not substantiate with competent evidence. 

Automated or blanket verification through electronic systems without documentary support does not satisfy the legal requirement of reasonable investigation, particularly after the consumer has expressly challenged the accuracy and demanded documentation. XXXX also did not update the account on my credit report as of XXXX, it shows the last balance update on XX/XX/year>. This is another violation of federal law and proves no reasonable investigation actually occurred. 

XXXX XXXX XXXX has no signed contract, no itemized accounting, and no proof of ownership or authority to collect, yet continues to report this account. Experian has failed to require legally sufficient proof before continuing publication of this derogatory tradeline. 

I demand immediate deletion of this account from all consumer reporting agencies and written confirmation that XXXX XXXX XXXX has ceased reporting this debt. 

I also request that the CFPB require both parties to provide copies of all documents they claim support this debt, including the original lease, full accounting ledger, and chain of assignment. 

Failure to do so will constitute continued willful non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: AR

Complaint narrative:
MOHELA will not grant my TPD discharge which was approved in 2024. I have not taking out any additional loans or grants since my approval. MOHELA is currently sending me monthly bills for approximately {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
The creditor has now asserted that I personally completed the application and listed my parent and her boyfriend, XXXX XXXX, as authorized users. This assertion is illogical and inconsistent with normal consumer behavior and further supports that the account was opened through misrepresentation. 

At the time the account was opened, I had no military affiliation and was ineligible to open a XXXX XXXX account . It does not make sense that I would apply for a credit account I did not qualify for and list my parent and her boyfriend as authorized users, particularly where the boyfriend was the individual with military eligibility. 

This structure strongly indicates that my identity was used by another party to obtain access to military credit privileges. The creditors explanation fails to address how an ineligible applicant was approved or why an authorized user with military affiliation would be listed on an account allegedly opened by a non-eligible civilian. 

The creditor continues to rely on internal conclusions rather than addressing eligibility requirements, third-party fraud, and the approval process. I am requesting CFPB review of the account origination, eligibility verification, and continued enforcement of this debt despite unresolved identity theft and misrepresentation.

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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
This correspondence is in response to your letter denying responsibility for the undisclosed and unsafe conditions present in the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) sold in XX/XX/XXXX. 

While I acknowledge that the XXXX XXXX XXXX XXXX XXXX Contract was executed and that the vehicle was sold as-is, your position materially misstates Texas XXXX and mischaracterizes the conditions identified after delivery. 

An as-is sale does not permit the sale of an unsafe or unroadworthy vehicle, nor does it shield a dealer from liability arising from misrepresentation, omission of material facts, or violations of the Texas Deceptive Trade Practices Act ( DTPA ). 

Specifically : The absence of rear brake pads is not a cosmetic issue, routine maintenance item, or normal wear and tear. Brakes are a primary safety system, and a vehicle sold without functional rear braking components is unsafe and unroadworthy at the time of sale. 

Coolant system leakage and windshield washer reservoir leakage are not cosmetic concerns. These conditions pose risks of engine overheating and impaired visibility and directly impact vehicle safety. 

The absence of a wheel-lock key materially interferes with the ability to safely service the vehicle and constitutes a missing essential accessory. 

An inoperative sunroof constitutes a material feature failure that was not disclosed prior to sale. 

Your assertion that the vehicle passed inspection appears to reference emissions inspection only. An emissions inspection does not constitute a safety inspection, and any implication that the vehicle was roadworthy based solely on emissions compliance is misleading. 

These conditions were identified shortly after delivery and are consistent with pre-existing defects. Brake pads do not deteriorate to non-existence within weeks of ordinary post-sale use. Responsibility can not be shifted to the buyer by characterizing safety defects as post-delivery issues. 

This letter constitutes formal notice under the Texas Deceptive Trade Practices Act, based on misrepresentation of the vehicles condition, failure to disclose material safety defects, and the sale of an unsafe product. Remedies available under Texas law include repair, replacement, rescission of the transaction, damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NEXA Mortgage, LLC
State: NC

Complaint narrative:
I already explain that before and the company lie XXXX XXXX Licensed Loan XXXX ( NMLS # XXXX ) NEXA Mortgage ( NMLS # XXXX ) Email : XXXX Phone : XXXX This men play with me XXXX months keep saying everything is good until before XXXX  days from closing he said im not approved he is liar and your company lie too i will take them to court soon

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: VA

Complaint narrative:
On XX/XX/year>, {$350.00} was charged to my Cash App account by XXXX XXXX XXXX, who misrepresented themselves and did not provide the promised goods or services. The transaction was obtained through deception, and I did not knowingly authorize it. 
I submitted a dispute to Cash App regarding this transaction, but my claim was denied twice. I requested all documentation used to make their decisions ( Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), but Cash App has not provided this information.

I submitted a new dispute/appeal today, including all supporting evidence I have ( screenshots, messages from the scammer, and a timeline of events ), but I have not received any response yet.

Additionally, the scammer attempted to charge my account again for {$340.00} under a different name, XXXX XXXX XXXX, on XX/XX/year>, but this transaction was declined because my account did not have enough funds. 
I am requesting that Cash App review this transaction again and provide a full refund, and that CFPB intervene to ensure proper handling of this unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRUEBILL, INC
State: MI

Complaint narrative:
After seeing commercials for the app Rocket Money, I wanted to check it out. You do not find out the cost of the app ( pay what you feel is right ) until after to have submitted and verified your bank account information. 
I feel like the cost of the service should be more upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
XX/XX/year> Credit Acceptance Formal Dispute and Demand for Deletion Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of the information Credit Acceptance Corporation is furnishing regarding the above-referenced account. 

The information you are reporting is inaccurate, incomplete, and misleading. Specifically, the reporting contains errors including but not limited to incorrect balances, incorrect dates, improper status, and/or misrepresentation of my legal obligation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are legally required to furnish only accurate information and to conduct a reasonable investigation when a consumer disputes information being reported. You are also prohibited from continuing to report information that you know or should know is inaccurate. 

Accordingly, I demand that you : 1. Conduct a reasonable investigation into this dispute ; 2. Immediately correct or delete all inaccurate information related to this account ; 3. Provide written confirmation of the results of your investigation ; and 4. Cease furnishing any inaccurate or misleading information to XXXX, XXXX, or XXXX. 

If you fail to correct or delete the inaccurate reporting, I will file complaints with the Consumer Financial Protection Bureau, the Florida Attorney General, and pursue all legal remedies available to me. 

This letter is not an acknowledgment of any debt. 

Sincerely,

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 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO

Complaint narrative:
i called my mortgage company and the representative was rude, only wanted to speak her behalf and not listen to the complaint or the reason behind the complaint. she in short kept telling me to go online and look it up. it was very unprofessional, i requested a supervisor, waited almost XXXX minutes ( this was my second call as the first XXXX someone answered and just didnt say anything ) and he refused to take my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Credit Card minimum payment too high and the minimum payment does not lower balance.

Company response to consumer: Closed with explanation