vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am filing a complaint regarding a credit card promotional benefit ( XXXX XXXX XXXX XXXX XXXX issued through American Express ). On XX/XX/year>, XXXX XXXX confirmed that my case had been escalated to their leadership team, with a response expected within five business days. I responded on XX/XX/year>XXXX to follow up. However, I never received any reply to that follow-up. Instead, I later received a message stating they are unable to discuss this matter further, which contradicts the prior escalation and leaves my case unresolved. This reflects a failure to honor the review process and a lack of transparency regarding the status of my case. I am seeking : Confirmation of escalation A proper review of my expired XXXX XXXX XXXX A clear resolution I have attached supporting email correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am filing a complaint regarding a medical debt that has been sent to collections under disputed and misleading circumstances. In XX/XX/year>, I received vaccinations at a XXXX location and was explicitly told the services would be covered by my insurance ( XXXX ). I was not informed that receiving the vaccination through XXXX would be billed as a separate medical visit, nor was I given any notice of out-of-pocket costs. I later received a bill for {$570.00}, which has now been sent to collections. Notably, I received a second dose of the same vaccine at the XXXX XXXX within the same location, which was properly covered by insurance. This demonstrates inconsistent billing practices for identical services in the same facility. I believe this constitutes a lack of transparency and potentially deceptive billing practices. I am requesting : * A full investigation into the billing practices * Removal or correction of the disputed charge * Immediate withdrawal of the account from collections * Assurance that this will not be reported negatively to any credit reporting agencies I have disputed this debt with XXXX and the collection agency and requested validation. This issue has caused unnecessary stress and risk to my credit despite my good-faith effort to follow insurance guidance at the time of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Activehours
State: NY

Complaint narrative:
Earnin XXXX XXXX promises increased XXXX XXXX advanceConsistently decreased Example : Payback {$200.00} at pay cycle debit then only allowed {$100.00} advance. I believe they should be closed down

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am unable to access my credit report despite providing my correct personal information. The credit reporting agency has blocked or delayed access to my report, preventing me from verifying my credit history and ensuring the accuracy of my credit file. This lack of access is causing unnecessary stress and prevents me from exercising my rights under the Fair Credit Reporting Act ( FCRA ).

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 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
XXXX is trying to collect {$290.00} off of me and I dont owe them anything. I paid them and then I canceled XXXX months ago and I have been with a different company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to file a complaint regarding incorrect information on my credit report related to an account with American Honda Finance. The account in question, with the partial account number ending in XXXX, is reported as derogatory across all three major credit bureaus : XXXX XXXX XXXX XXXX The current reported balance is {$37000.00}. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I have previously filed a dispute on XX/XX/XXXX, regarding this account, citing incorrect details but have yet to see any rectification. Despite my efforts, this account continues to adversely affect my credit scores, which currently stand at XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The derogatory status of this account is causing significant harm to my financial reputation and is impeding my ability to secure credit under favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a timely and thorough investigation by both the creditor and the credit bureaus. Despite these obligations, my prior dispute was not adequately addressed, and the account remains inaccurately reported. This derogatory account, which I believe is erroneous, has a severe impact on my creditworthiness. The presence of this account on my report is unjustifiably lowering my credit scores and negatively impacting my financial opportunities, including potential employment and housing prospects. I am requesting a complete removal of this account from all three credit bureaus to rectify this situation and ensure my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
he inquiry was not authorized XXXX XX/XX/year>2025 Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX XX/XX/scrub>XXXX2025 Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XX/XX/year>2025 Please remove this inaccurate information from my credit report. 4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX * * * * * * * * * * * Please remove it from my credit report. 5. The following account is not mine XXXX XXXX Account Number : XXXX * * * * * * * * * * * Please remove it from my credit report. 6. The following account is not mine XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * * * Please remove it from my credit report. 7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * Please remove it from my credit report. 8. The following account is not mine XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: AZ

Complaint narrative:
Started to state what happened above. So they say they can not tell me what bank it was deposited in. They also sent me a copy of the back of this check with someone signature on it, but its not mine, and there was nothing else on the back of the check, no stamp that says it was deposited and nothing that states the terms of this loan they say I owe them. Even if it was my signature, which it isnt, they have nothing signed by anybody agreeing to the terms of their loan. I do not owe it. I filed a police report as they Instructed me to do, they also made me sign an affidavit stating that I never received their money, and I sent that to them, but at this point I think this is all a scam and nobody sent out a check and nobody deposited it, and they are just trying squeeze money out of me fraudulently. Then they said I have to give them a copy of my drivers license so that I can prove I am the one that sent them the affidavit. I had to sign it in front of a notary for that purpose. I am not going to give them my DL because I have a feeling they are crooks, and I dont want them to have anymore info on me, more then they do. So they started twisting my arm harder and told me that if I didnt continue to jump through their hoops that they would ruin my credit. I have provided proof that I didnt receive their money, they have not proved that they gave me money and that I ( or anybody ) deposited that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX. I am unaware of the debt and did not have the opportunity to dispute the account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am upset at Target RED Card XXXX due to the behavior of the corporation this most recent payment cycle. Money is tight, as it is with most Americans nowadays, and for the first time in years, I had chosen to reduce my auto-payment from full payment to {$100.00}. I had done so XXXX business days prior to payment due date. I received a verification email that my auto-payment was updated. I proceeded then to plan out my remaining budget which had 2 significant, critical upcoming payments. However, without any reason provided or adequate warning communication, Target RED Card XXXX processed a full payment of {$2000.00}, which has put the remainder of my budget and critical planning in jeopardy. Instead of getting upset, I chose to pivot and consider using my card for one of the transactions, however, Target RED Card XXXX also simultaneously chose to drop by credit limit to {$230.00}. I have NEVER missed a payment with this company, and I have always been a consistent, loyal customer to Target and its brand. NO MORE! This unexplained, harmful, inexcusable action by Target RED Card XXXX without adequate communication has harmed me and my family financially. I am beyond upset. I am disappointed in this company and its team & leadership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The inquiry was not authorized XXXX XX/XX/2025 Please remove this inaccurate information from my credit report. 2. The inquiry was not authorized XXXX XXXX XX/XX/2025 Please remove this inaccurate information from my credit report. 3. The inquiry was not authorized XXXX XXXX XX/XX/2025 Please remove this inaccurate information from my credit report. 4. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove it from my credit report. 5. The following account is not mine XXXX XXXX Account Number : XXXX * * * * * * * * * * * Please remove it from my credit report. 6. The following account is not mine XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. 7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * Please remove it from my credit report. 8. The following account is not mine XXXX Account XXXX : XXXX * * * * * * * * * * * * * * * Please remove it from my credit report.

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 2026-04-22 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
This credit card company froze my card for no reason. Never had a fraudulent charge and never had a problem with this card. I pay my bill in full every month. I called in and confirmed my identity by answering all their questions and receiving a text code. I was asked to send a copy of my ID which I did. After all this, they refuse to unlock my card. I asked for a supervisor which I was told I would hear back from but have no calls or emails back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Basically, my credit and my moms credit was fine, but we wanted to basically pay lesser every month and have some money left over in our pockets after paying our bills. Our bills were always on time and our credit was good when we contacted them when we heard about this agency on TV. They advertise themselves as federal debt relief they go by several alias is actually federal debt relief, national debt, relief, or freedom, debt, relief there they verbally portrayed themselves as a federal agency, but theyre actually not obviously, but they contracted us with the promise and assurance that all our credit cards will remain active, and our credit lines will remain active and our credit will improve, but we had to promise them not to answer. Any phone calls from creditors or correspondence from any creditors. They assured us that by month for our credit will remain the same, We will be paying lesser. By month XXXX alone our credit lines were all halted. We had no credit and our credit was also ruined by a month and a half a month too. It was worse so I contacted them and I told him and they said to keep on paying, and it will improve, I reminded them of their promise and assurance that our credit lines wouldnt remain open, but they lied. We had worked ourselves up to XXXX credit lines on credit cards and our credit was a XXXX good but because of them now we all have credits in the lower XXXX or even in the XXXX this was for my contract alone and also for my moms contract alone as well. Im willing to submit both the copies as Im applying this complaint from my mom and myself both. Im trying to build up a case against them. Ive already complained to the local authorities at the XX/XX/XXXX police department. Ive already follow complaint at the Texas Attorney Generals office and the office and the consumer protection commissioners office in Texas and heres my complaint to the federal agency I hope to get my Credit Repair one day I hope to find a consumer protection lawyer who will take up my case and to help me win back damages to myself, my mother or health and our credit and financial well-being

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following account is not mine XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXX Account Number : XXXX * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX * * * * * * * This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XXXX BANK XXXX Account Number : XXXX * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mineXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mineXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXXXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine DXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mineXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXXXX/XX/XXXXAccount Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mineXX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report. XXXX. The following account is not mine XX/XX/XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * Please remove it from my credit report.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am a Chase Sapphire Reserve cardmember ( Account ending in XXXX ). I am filing this complaint due to a deceptive devaluation of earned rewards and a breach of the program terms issued by Chase on XX/XX/XXXX. The Promised Benefit : Per Chases formal communication regarding the " Points Boost '' overhaul, the bank explicitly guaranteed that " Points earned prior to XX/XX/XXXX, can be redeemed for XXXX on Chase Travel until XX/XX/XXXX. '' This was a primary incentive for me to maintain my high-annual-fee account. The Deceptive Practice : My account held XXXX points grandfathered at this XXXX rate. Recently, I transferred extra XXXX points to a travel partner at a XXXX ratio. The Chase user interface provides no disclosure and no mechanism to select which " point bucket '' to use for transfers. Chase unilaterally exhausted my high-value XXXX points for a XXXX transfer, leaving me with a balance of XXXX points that are now being valued at only XXXX. This is a " XXXX, XXXX '' ( XXXX ) logic that was never clearly and conspicuously disclosed in the redemption portal. By forcing the exhaustion of grandfathered points for non-boosted transfers, Chase has effectively stripped me of the XXXX travel portal value I was contractually promised until XXXX. Financial Harm : This technical trap has resulted in a loss of {$180.00} in travel purchasing power ( the difference between XXXX points at XXXX vs XXXX ). Prior Attempts to Resolve : I contacted Chase support on XX/XX/XXXX and XX/XX/XXXX. The representatives admitted the practice but refused a manual adjustment, stating it was " system-automated. '' I am a loyal customer with XXXX credit cards and a checking account, and I am prepared to close all accounts due to this predatory handling of my earned property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
" I am seeking a good-faith reinstatement of a Settlement Agreement dated XX/XX/XXXX for my XXXX XXXX ( Account ending XXXX ). I have already paid {$10000.00} toward the {$15000.00} settlement amount. Due to a calendar discrepancy in XX/XX/XXXX ( the XXXX of the month vs. the end of the month ), a payment was missed, which caused a disruption in the agreement. I am prepared to honor the remaining {$5000.00} balance to satisfy the settlement and have the {$9200.00} forgiven as originally promised. I have already opened a case with the XXXX Attorney General ( XXXX ID # XXXX ). I am requesting that Santander allow me to complete the final {$5000.00} of the settlement so the title can be released and this matter can be closed professionally. ''

Company response to consumer: Closed with explanation