vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against AmSher Collection Agency regarding an alleged debt that does not belong to me.

AmSher is attempting to collect a debt that I do not owe and has reported this account to the credit reporting agencies. I dispute this debt in its entirety. I have never entered into any agreement with the original creditor for the alleged account, and I have not authorized AmSher to collect on my behalf.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I have the right to dispute a debt and request validation. I am formally disputing this debt and demanding proper validation, including : The name and address of the original creditor A copy of the original signed agreement A complete payment history Proof that AmSher has legal standing and authority to collect this debt Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., information furnished to credit reporting agencies must be accurate and verifiable. Reporting a debt that is not mine constitutes inaccurate reporting and is a violation of federal law. 
Because this debt is not mine, I am demanding the following : Immediate cessation of all collection activity Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed Verification of the method used to investigate and verify this alleged debt If AmSher can not provide competent evidence that this debt belongs to me, they must remove it from my credit reports pursuant to the FCRA.

I request that the CFPB investigate this matter and require AmSher to comply fully with federal consumer protection laws.

Please confirm receipt of this complaint and advise me of the outcome of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
The U.S. Department of Education is reporting the same federal student loan obligation multiple times on my credit report. Specifically, this account appears sixteen ( XXXX ) separate times, each listed as Account transferred to another office, with identical identifying account information and negative payment history. 

These repeated tradelines do not represent XXXX  separate legal obligations. They reflect the same underlying loan that was transferred. Reporting the same transferred account XXXX times creates inaccurate, duplicative, and materially misleading credit information and artificially inflates negative credit history.

This reporting violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) ( 1 ) Furnishers must conduct a reasonable investigation and correct or delete inaccurate or incomplete information upon dispute.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Credit reporting agencies must delete information that can not be verified. 

Reporting the same transferred loan XXXX times fails to meet the maximum possible accuracy standard required under federal law and results in materially misleading credit reporting. 

I am requesting CFPB assistance to ensure compliance with federal law and deletion of duplicate and inaccurate tradelines.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Loan modification never was recorded and now 14 years later we are asked to re sign the loan modification because Wellsfargo didnt file it in XXXX. Asked to sign a new modification without the current principal balance. Advised by real estate attorney not to sign because the loan document does not provide current principal balance nor our original signatures. I have received documents where the signature is not the same as the original. Feel that Wellsfargo is not being forth coming. They told me I was current and my account showno delinquent but yet sent an increase loan amount to record. Wellsfargo want me to sign for XXXX when my current principal balance is XXXX after 14 years of paying. I asked Wellsfargo to send me all payments history and everything about my account. I was told by XXXX XXXX that I would receive the document I requested and I never received them. 
When I call I am getting the run around about the rejection number for register deed office but constantly being pressured to sign. I am told I am not the only one at the register deed office in XXXX TN that Wellsfargo is doing this too.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft ( FTC Report # XXXX ). I have an active CFPB complaint ( ID : XXXX ) regarding the fraudulent XXXX  XXXX account ( # XXXX ). 
Experian initially deleted this account on XX/XX/year>, acknowledging the theft. However, on XX/XX/year>, Experian illegally reinserted the fraudulent account while the federal investigation was still pending. 
This is a willful violation of 15 U.S.C. 1681c-2 ( Section 605B ), which requires a permanent block on identity theft data. Furthermore, Experian has failed to provide the mandatory 5-day written notice of reinsertion required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I am an XXXX resident ( XXXX XXXX XXXX XXXX and demand that Experian reinstate the permanent block immediately and cease all reinsertion attempts.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want any unverifiable inquiries to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX of XXXX  at approximately XXXX Eastern time an email was received a better request for a wire transfer from my bank account immediately following that receipt. My cell phone service XXXX acquired was compromised and I lost all ability to make a phone call or send a text because my network was not available. 

On the following day at XXXX XXXX, I was at XXXX getting a new cell phone and a then I proceeded to my bank and closed the existing recount which {$400.00} was withdrawn and opened up a brand new account. I had three other bank accounts that were compromised and money was withdrawn along with credit cards that were accessed in all disputes were filed, and money was credited back to my account accounts. 

While this happened, I have three crypto exchanges one is Coinbase two is XXXX and three is XXXX. I have requested on numerous occasions probably an email trail of 30 to 50 emails in responses with security questions answered photos sent drivers license. Every detail is tied to my account trying to get access to my account and to this day. I can not access either account. 

With XXXX exchange, I had a credit card attached to my account. There was one fraudulent transaction of that in which I filed a dispute.. I receive notice that the credit card payment two of them one of them for {$130.00} and the other one was from {$69.00} that failed to process because the bank account that I pay from was was frozen and still as which prevented payment to satisfy the balance thus a bounce back fee of {$12.00} was access to my account. I reported this immediately to both the crypto exchange portion of it and the credit card and they still failed to address my dispute off new emails.. 

Coinbase and XXXX have preventing me from accessing my account and I do not have an active credit card or ever had one associated with these exchanges. 

I am a XXXX XXXX on XXXX XXXX and also a XXXX veteran that receives XXXX XXXX 

I have filed reports with the local sheriffs department, the FBI and the FTC on all fraudulent matters that occurred on XX/XX/XXXX. 

I am in the process of trying to get law-enforcement, whether it be local or federal to help me issue subpoenas to all three of these exchanges plus other accounts that were compromised to track down these criminals. 

I am reaching out to you for the record for any assistance or guidance that you may have on this issue to get my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
I am submitting a consumer complaint regarding the annual Companion Certificate benefit marketed with the XXXX XXXX XXXX American Express credit card. 

My concern is not that the benefit does not exist, but that the way it is marketed creates a consumer expectation that does not match the real-world ability to use the benefit. I believe this may constitute misleading or deceptive marketing.

The card is promoted with language implying that cardholders can bring a companion for free each year. This benefit is prominently featured as a primary justification for the cards annual fee. However, after becoming a cardholder and attempting to redeem the certificate, I discovered that the real-world limitations are far more restrictive than a typical consumer would reasonably expect.

Key issues experienced : The certificate can only be used on a very limited subset of fare classes, which are often unavailable on many flights and routes.

All flight segments in a multi-segment itinerary must have this limited fare inventory available, which dramatically reduces usable options.

Travel must be round-trip and completed before expiration, further reducing flexibility.

Alaska residents face additional practical barriers due to routing limitations and limited flight inventory from smaller markets.

The certificate often can not be used during peak or typical vacation travel periods when most consumers would naturally expect to travel.

Many consumers, including myself, experience repeated failed searches and ultimately risk certificate expiration due to lack of qualifying flights.

While these limitations are disclosed in the fine print, they are not presented with comparable prominence to the headline marketing message. The marketing creates a strong impression of a broadly usable annual companion ticket, while the actual redemption process is highly constrained and difficult for many consumers to use successfully.

This creates a material gap between the perceived value used to justify the annual fee and the practical usability of the benefit.

I respectfully request that this promotion be reviewed for potentially misleading marketing practices, particularly regarding : The prominence and clarity of limitations The real-world usability of the advertised benefit Whether the average consumer would reasonably understand the redemption difficulty before applying for the card Thank you for your time and for reviewing this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I disputed a {$350.00} digital service purchase financed through Klarna after my access to the service was permanently revoked. I was initially granted access, but my account was later banned without explanation and without citation of any violation of the merchants terms of service. I submitted documentation to Klarna showing that my access had been removed. Klarna resumed payments stating they were unable to verify my evidence, but they did not provide documentation from the merchant demonstrating proper fulfillment of the service or justification for permanently revoking access. I am requesting that Klarna provide documentation from the merchant demonstrating that the purchased service was fulfilled in accordance with its terms and that permanent revocation was justified. If such documentation can not be provided, I am requesting removal of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
I am submitting this complaint due to the companys repeated failure to respond in writing to a good-faith settlement offer and its refusal to provide written confirmation of acceptance or rejection. 

On XX/XX/XXXX, I submitted a written settlement offer of {$30000.00} as a one-time lump-sum payment to resolve the above-referenced account ( s ) in full. This offer was made due to documented financial hardship and represented the maximum amount available to me. 

After receiving no response, I sent a second written request via certified/registered mail on XX/XX/XXXX, requesting written confirmation of the companys position. Delivery was confirmed. Again, no written response was provided. 

On or about XX/XX/XXXX, I received a telephone call from the company. I did not return the call because I have clearly and consistently requested that all settlement communications and determinations be provided in writing, and I do not discuss settlement terms by telephone. 

In XX/XX/XXXX, I sent a third written notice, again requesting written confirmation of acceptance or rejection of the {$30000.00} settlement offer and providing a clear deadline for response. To date, the company has still failed to provide any written determination. 

Despite multiple written requests and documented delivery, the company has : Failed to confirm acceptance or rejection of my settlement offer in writing Attempted to communicate only by telephone Prevented me from resolving the account despite a good-faith lump-sum offer I Believe this practice is unfair and their conduct obstructs my ability to resolve the debt and raises concerns regarding unfair or deceptive collection practices, including failure to provide clear and documented responses to settlement communications. I am not refusing to pay the debt. I am actively seeking a reasonable resolution and have requested written communication to ensure clarity, accuracy, and compliance with fair debt collection standards. 

I am requesting that the company be required to : 1. Provide written confirmation of whether my {$30000.00} lump-sum settlement offer is accepted or declined ; and 2. If declined, disclose whether settlement authority exists and the minimum authorized amount for settlement consideration. 

All supporting correspondence, including copies of my written settlement offers and proof of certified mail delivery, are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, Cash App placed a {$50.00} authorization hold for XXXX XXXX XXXX XXXX using my Cash App Card balance. The merchant canceled/released the authorization on XX/XX/year>. 
The transaction shows as canceled in the app, but the {$50.00} was never credited back to my available balance. It has now been over 30 days since the authorization was released. 
I contacted the merchant and obtained confirmation that no charge was processed and my balance is {$0.00} with them. 
Cash App has failed to return the released funds and has not opened a formal investigation despite repeated contact attempts. I am requesting the immediate return of my {$50.00} and written confirmation of the investigation start date and resolution timeline. 

I requested written confirmation of the investigation start date, timeline for resolution, and confirmation that the released {$50.00} authorization would be credited back to my account. I was also told by customer service over the phone that a supervisor would contact me by email, but I have not received any follow-up. It has been over one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding multiple unauthorized debit card transactions on my Chase account totaling approximately {$4000.00} in 2025 and an additional approximately {$1200.00} in recent transactions. 

I did not authorize these transactions and did not benefit from them. 


Some transactions, including an airline ticket and hotel charge, were made under a different name. For example, an airline ticket was purchased under a different name, a person I do not know and never authorized to use my card. 
I received a fraud alert text message from Chase during the night asking me to confirm a transaction. I did not respond because I was asleep. Despite this, the transaction was still processed. 
Transactions occurred in different locations, including different states and countries, which I could not have physically been in at the same time. 
I have always had possession of my card and never authorized any third party to use it. 
I filed a police report for identity theft after my personal information and documents were stolen. 

I reported these transactions to Chase and filed multiple claims. All claims were denied. 

Chase stated that the transactions were authorized or that the card was present, but they have not provided any documentation proving that I authorized these transactions. I requested evidence such as signed receipts, booking information, or proof of authorization, and this was not provided. 

Card cloning and counterfeit card fraud are well-known, and the fact that transactions were made under a different name clearly shows that I did not authorize them. 

Under Regulation E, I am not liable for unauthorized electronic fund transfers. Chase has not demonstrated that these transactions were authorized. 

I am requesting : 1.Full reimbursement of all unauthorized transactions 2.Copies of all evidence used to determine that the transactions were authorized 3.A detailed explanation of how Chase concluded that I authorized transactions made under a different name This situation has caused significant financial hardship, and I am requesting a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of 2026 at approximately XXXX Eastern time an email was received a better request for a wire transfer from my bank account immediately following that receipt. My cell phone service SIM acquired was compromised and I lost all ability to make a phone call or send a text because my network was not available. On the following day at XXXX XXXX, I was at XXXX getting a new cell phone and a then I proceeded to my bank and closed the existing recount which {$400.00} was withdrawn and opened up a brand new account. I had three other bank accounts that were compromised and money was withdrawn along with credit cards that were accessed in all disputes were filed, and money was credited back to my account accounts. While this happened, I have three crypto exchanges one is XXXX two is XXXX  and three is XXXX. I have requested on numerous occasions probably an email trail of 30 to 50 emails in responses with security questions answered photos sent drivers license. Every detail is tied to my account trying to get access to my account and to this day. I can not access either account. With XXXX exchange, I had a credit card attached to my account. There was one fraudulent transaction of that in which I filed a dispute.. I receive notice that the credit card payment two of them one of them for {$130.00} and the other one was from {$69.00} that failed to process because the bank account that I pay from was was frozen and still as which prevented payment to satisfy the balance thus a bounce back fee of {$12.00} was access to my account. I reported this immediately to both the crypto exchange portion of it and the credit card and they still failed to address my dispute off new emails .. XXXX and XXXX have preventing me from accessing my account and I do not have an active credit card or ever had one associated with these exchanges. I am a XXXX citizen on Social Security and also a XXXX veteran that receives VA compensation. I have filed reports with the local sheriffs department, the FBI and the FTC on all fraudulent matters that occurred on XX/XX/XXXX. I am in the process of trying to get law-enforcement, whether it be local or federal to help me issue subpoenas to all three of these exchanges plus other accounts that were compromised to track down these criminals. I am reaching out to you for the record for any assistance or guidance that you may have on this issue to get my life back

Company response to consumer: Closed with explanation