vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I am a victim of identity theft. The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, balance of {$2000.00} This account shows a balance and delinquency that I do not recognize. I did not open or authorize this account. XXXXXXXX XXXX XXXX ( Account opened XX/XX/XXXX ) in the amount of {$18.00} Although this account shows a long history, I did not open or authorize it. I have no knowledge of this account and did not benefit from any activity associated with it. Additional XXXX account opened on XX/XX/XXXX. I request the immediate blocking and removal of these accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). Please also remove all associated inquiries, payment history, and balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> Bank of America Fraud claim for {>= $1,000,000} XX/XX/year> Bank of America Fraud claim denial XX/XX/year> Bank of America Re-evaluation of Fraud Claim Denial XX/XX/year> XXXX hour conversation with Bank of America Fraud Services RECORDED ON MY XXXX. Agent was informed that the call was recorded. Remarks Bank of America Re-evaluation Customer has undisputed history with XXXX ( No mention of unapproved charges with XXXX XXXX ) Charges are within normal spending patterns These are total fabrications and misrepresentations of what we discussed. I recorded the conversation and can submit the call when/if CFPB requires . I input information on a bogus website for {$3.00}. I did not authorize any other charges.

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am disputing an alleged rental debt that is being collected by XXXX separate debt collectors, Resident Advocate and Hunter Warfield , Inc . In XX/XX/XXXX, I reported a bed bug issue to my apartment management. The response was delayed, including a scheduling error that resulted in an inspection not occurring as initially promised. The infestation was confirmed on XX/XX/XXXX, and preparation instructions were not provided until XX/XX/XXXX. Treatment began on XX/XX/XXXX, with additional treatment on XX/XX/XXXX. Despite these efforts, bed bug activity continued throughout XXXX. Due to ongoing infestation and health concerns, I provided written notice of lease termination on XX/XX/XXXX and vacated the unit on XX/XX/XXXX. After vacating, I was charged a total of approximately {$5800.00}, including early termination fees, post-vacate rent, and bed bug-related charges. I dispute these charges in full because the lease was terminated due to uninhabitable conditions and the charges are not legally valid. On XX/XX/XXXX, I submitted a written dispute to Resident Advocate requesting validation of the debt, including a full itemization and explanation of how the amount was calculated. On XX/XX/XXXX, they acknowledged my dispute and stated that an investigation was ongoing. However, they did not provide meaningful documentation or a clear explanation of the charges. Instead, I later received a response stating that validation had already been provided and that they would not respond further, without identifying when validation was sent or what documentation supported the amount claimed. The account was then transferred or reassigned to a second collection agency, Hunter Warfield , Inc., who is now attempting to collect the same amount. I am concerned that : * The debt was disputed in writing, but no meaningful validation was provided * The amount appears inflated and lacks clear justification * The collector refused to engage further after the dispute * The account was transferred to another collection agency while still disputed I am seeking proper validation of the debt and an explanation of the legal basis for the charges being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital system llc is saying that I owe {$1200.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I saw that my debit card was missing and there was unauthorized transactions made and I called my bank. I told the lady someone bought plane tickets and they used it were they flew to. She never went over any transactions with me and she missed transactions and my claim got denied. Then when I called my bank which is chase bank and asked why it got deined they tried to blame me saying I flew to Florida and I showed them on the day they said I flew I was at work. I showed them I was at work with a Pic of my time card with the dates and time and they still denied my second claim and I feel like I was treated unfear after proving I was at work which they asked me to show

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I am submitting a complaint against Credit Karma regarding a promotional offer that has not been honored despite my compliance with the advertised requirements. I received a targeted promotion offering a {$150.00} bonus after depositing at least {$200.00} into my account. The promotion, as presented to me via email and within the app, indicated that qualifying deposits include payouts from gig or delivery platforms. On XX/XX/year>, I received a {$200.00} deposit from XXXX, which is a gig delivery platform explicitly described as an eligible source. Based on the terms presented to me, this deposit should qualify for the promotion. However, the company denied the bonus, stating that the deposit was coded as an ACH transfer rather than a Qualified Direct Deposit. This distinction was not clearly disclosed in the promotional materials. At no point was I informed that deposits from eligible gig platforms could be excluded based on internal processing classifications that are not visible or understandable to the consumer. This creates a misleading situation where a deposit from a stated qualifying source is later disqualified based on technical criteria that were not clearly communicated. As a result, I relied on incomplete or unclear terms when making my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account listed under Credit Acceptance. I do not recognize this account and I am not aware of ever opening or agreeing to any loan or financial product with this company. I have never authorized Credit Acceptance to open an account in my name. This account is reporting on my credit file and may be the result of an error or possible identity theft. I am requesting that Credit Acceptance investigate this issue and provide documentation showing that I applied for or agreed to this account. I also request that this account be removed from my credit report if they can not verify that it belongs to me. This inaccurate information is affecting my credit.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Failure to intercept a fraudulent transfer tp XXXX XXXX and inadequate customer support for fraud resolution. Complaint Description : I am filing this formal complaint against Coinbase reqgarding a fraudulent transaction on my account that resulted in the loss of {$62000.00} with support ID no . XXXX on XX/XX/year>. Transaction details : Date of Transfer Amount Recipient Entity Coinbase Case Number XX/XX/year> {$10000.00} XXXX XXXX XXXX XX/XX/year> {$51000.00} XXXX XXXX XXXX Facts of the Case : The funds were transferred from my XXXX account into Coinbase and then immediately sent to an external entity confirmed that this a fraudulent scheme. I am holding Coinbase accountable for the following reasons : 1 ) Failure of Security Screening : Coinbase allowed a large, high-risk transfer to a suspicious external entity ( XXXX XXXX ) without any enhanded verification or a " cooling-off '' period, despite this activity being completely inconsistent with my historical account usage. 2 ) Delayed and Automated Support : Upon discovering the fraud, I immediately attempted to contact Coinbase to freeze the transaction or trace the funds. However, I have only received automated, non-substantive responses. There has been no human intervention to assist in this emergency. 3 ) Lack of Cooperation : Coinbase has failed to provide details regarding the destination wallet or provide a clear path for law enforcement to coordinate fund recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NCA is claiming that I owe {$990.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My money is held in program bank aka XXXX and I can't do anything with it like transfer it out and close the account as I desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I applied for a payday loan with Advance America and I tried to set up a payment plan with them but they refused to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Exeter finance keeps responding with the same thing as copy and paste. Yes I signed a retail installment sales contract, however what Exeter seems to forget is they are the dealer who was assigned the contract with the customer being me and are also responsible for managing the risks which they waived the right to do so by telling me that any problem was not their responsibility to go back to the dealership which automatically reassigned the contract back to them which is breach of contract. Not to mention while under contract they said they could sign the car or title or contract to someone while under contract without my signature is a breach of contract. It is pointless in talking about a fair resolution however given the fact that a dealership offered cash back which is accepting that the contract was breached by unlawful contract through illegal reassignment is a legal start of settlement talks on behalf of the dealership for Exeter because then again Exeter did say to go back to the dealership. I have the text saved as well. Exeter this is the last time I ask to start settlement talks because even if you say you wont honor a settlement legally by law you now have to since you waived the right of managing risk under a retail installment sales contract and said that the problems I brought to you were not your responsibility and told me to go back to the dealership which the dealership said they are willing to offer cash back. This is the last time I ask before I talk to the lawyers tomorrow. By law if you waive your right of managing the risk on the car you are under contract with and illegally reassigned back to the original acting dealer and the original dealer offers a cash settlement you must honor a settlement by the customer that brings you a settlement. Exeter forgets one thing when you waive any right to any managing risk with the car you waive your rights back to the dealership. Managing the risks are also considered managing the problems that your customer brings to you which Exeter did waive that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint against Chime regarding a dispute for unauthorized transactions on my account. I filed my dispute on XX/XX/XXXX. As of today, I have not received a timely response, meaningful update, or provisional credit within the expected timeframe. I contacted Chime customer support to follow up. During this call, I spoke with a supervisor identified as XXXX, who stated that provisional credit was not eligible. However, no clear explanation or supporting evidence was provided for this determination. When I requested further clarification, the call was disconnected before I received a complete response. The unauthorized transactions include : [ XXXX XXXX XXXX {$21.00} XX/XX/XXXX [ XXXX XXXX XXXX {$16.00} XX/XX/XXXX XXXX - {$48.00} - XX/XX/XXXX XXXX XXXX XXXX - $ XXXX XX/XX/XXXX XXXX XXXX XXXX {$30.00} - XX/XX/XXXX I do not recognize these merchants and have never conducted business with them. I did not authorize these transactions. There are no associated accounts, confirmations, or receipts tied to my activity. These transactions also do not match my normal spending behavior or location. Additionally, I have discovered that my credentials were previously exposed in a known data breach, which increases the likelihood that my account was accessed without authorization. Despite this, Chime has : Failed to provide a timely response within 10 business days Denied provisional credit without clear explanation Failed to provide supporting evidence for their decision Provided poor customer service, including disconnecting a call during escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and potentially misleading account reporting on my credit reports maintained by Experian, Equifax, and TransUnion. Upon review, I identified a late open account from XXXX XXXX ( ending XXXX, balance {$27000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) that is currently being reported as current despite reflecting prior delinquency, which raises concerns regarding how the accounts payment history and status are being presented and whether it accurately reflects the true and complete history. Additionally, a XXXX XXXXXXXX account ( ending XXXX ) is being reported as a late closed account with a {$0.00} balance while also noted as tied up to open account, suggesting potential duplication, improper linkage, or inconsistent reporting of the same underlying obligation. The presence of a closed account tied to an open account, along with unclear and potentially conflicting account status information, raises serious concerns regarding the accuracy, completeness, and proper verification of the data being furnished. I have not been provided with sufficient documentation, including full payment histories or records explaining the relationship between these accounts, to validate the accuracy of this reporting. These issues indicate a potential failure to maintain maximum possible accuracy and proper reporting standards as required under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), and may be negatively impacting my credit profile.

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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and potentially misleading account reporting on my credit reports maintained by Experian, Equifax, and TransUnion. Upon review, I identified a late open account from XXXX XXXX ( ending XXXX, balance {$27000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) that is currently being reported as current despite reflecting prior delinquency, which raises concerns regarding how the accounts payment history and status are being presented and whether it accurately reflects the true and complete history. Additionally, a XXXX XXXXXXXX account ( ending XXXX ) is being reported as a late closed account with a {$0.00} balance while also noted as tied up to open account, suggesting potential duplication, improper linkage, or inconsistent reporting of the same underlying obligation. The presence of a closed account tied to an open account, along with unclear and potentially conflicting account status information, raises serious concerns regarding the accuracy, completeness, and proper verification of the data being furnished. I have not been provided with sufficient documentation, including full payment histories or records explaining the relationship between these accounts, to validate the accuracy of this reporting. These issues indicate a potential failure to maintain maximum possible accuracy and proper reporting standards as required under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), and may be negatively impacting my credit profile.

Company response to consumer: Closed with explanation