vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: WA

Complaint narrative:
I am submitting this complaint regarding an American Express credit card promotional offer tied to qualifying spend. 

I am working toward a 2025 promotional offer that provides a {$200.00} Delta credit  after {$10000.00} in qualifying purchases. On XX/XX/XXXX, I made a {$6400.00} purchase in good faith specifically to meet this spending requirement. However, the transaction posted on XX/XX/XXXX, which appears to be causing it to be excluded from the qualifying spend. 

The transaction date of XX/XX/XXXX is clearly reflected by the merchant ( pls see the receipt ), and the posting date was outside of my control. Prior to this purchase, I had already contacted American Express customer service to ask how this situation would be handled, but I was later informed that no adjustment could be made. 

As a result, this purchase is not being counted toward the promotional spend requirement, despite being completed within the intended timeframe and in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
The bank has canceled my loan payments without my consent and emailed a with a lie saying that it was per my request. I never requested that my payments be canceled. The agents that I have spoken to have not been any help to me in with this loan payment issue in making it understandable. I was told that there are no pre payments penalties but I can't pay on my loan the way I want to. I was told that I had a 48 hrs window of time to make a payment after a payment. So far they have canceled three of my payments and I was told today that I can't make another payment until the due date. If I pay more the the amount due then it would roll my account ahead. The extra amount should be going toward the interest but they will not accept my extra payment for interest. They send out my monthly statement without enough information in the account summary. My account summary has principal balance but not current balance. I need to know my current balance every month after a payment is made. I don't need to know my principal balance.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BILL.COM, LLC
State: FL

Complaint narrative:
On * * XX/XX/XXXX * *, using XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the * * Bill.com * * platform, I initiated a payment to what Bill.com identified as an * in-network XXXX  account * for the * * University of Georgia * * in the amount of * * {$15000.00} * *, intended to pay invoice XXXX XXXX XXXXXXXX XXXX XXXX 

Approximately one month laterafter multiple conversations and providing full documentation to : * * XXXX XXXX * * Senior Collections Officer XXXX  XXXX University of Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX | [ XXXX ] ( mailto : XXXX ) XXXX XXXX confirmed in writing and by phone that the University of Georgia * * never received these funds * * and, more importantly, * * does not have any in-network XXXX  account with Bill.com * *. Because the payment never arrived, I was forced to issue a second payment manually via paper check. 

After learning this, I immediately requested that Bill.com recall the original funds. I was told on * * XX/XX/XXXX * *, that the recall had been initiated, and I was provided with the following transaction details : * * Wallet Transfer : * * {$15000.00} ID : XXXXXXXX XXXX XXXX Type : XXXX XXXX XXXX XXXX XXXX Reference ID : XXXX XXXX XXXX XXXX XXXX  Amount Sent : * * {$15000.00} * * Fee : * * {$150.00} * * Partner Transaction ID : XXXX XXXX XXXX XXXX XXXX  Status : * * COMPLETED * * Status Code : XXXX XXXX XXXX XXXX XXXX  Vendor/Customer Name : * * University of Georgia XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing Number : XXXX XXXX XXXXXXXX Bill.com informed me I would receive an update within * * 1015 business days * *. As of * * XX/XX/XXXX * *, after repeated phone calls, emails, and attempts to escalate the issueincluding copying members of Bill.com leadership * * no update has been provided * *. 

The University of Georgia has again confirmed they do not have this account, do not know who this XXXX account belongs to, and have no connection to the receiving bank information listed above. 

Because the funds have not been located and Bill.com has failed to provide updates, communication, or resolution, I am filing this complaint to request immediate assistance in recovering the * * {$15000.00} * * and to highlight serious concerns about Bill.coms handling of XXXX transfers, internal verification, and post-incident communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My debit card linked to my XXXX  account was stolen and used by another person on their XXXX account, not mine. I did not authorize these transactions and did not take these rides. 

On XX/XX/year>, unauthorized XXXX charges totaling {$110.00} were posted to my XXXX  account. I promptly reported these transactions to XXXX  as unauthorized and submitted disputes following their procedures. 

XXXX  approved other fraud-related disputes on my account for the same incident, but denied the XXXX disputes, stating that the charges were familiar. This reasoning makes no sense, as the XXXX rides were not taken on my XXXX account, were not used by me, and were made by someone else using my stolen card. 

I did not authorize these transactions, did not benefit from them, and could not have been the rider. The denial appears inconsistent and unsupported, especially given that XXXX acknowledged fraud on other transactions from the same situation. 

I am requesting that XXXX reverse the unauthorized XXXX charges totaling {$110.00} and correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I purchased airline tickets through an online travel agency, XXXX, using my Citibank credit card. When issues arose with the booking, I attempted to resolve the matter with the merchant and later opened a chargeback with Citibank. 
Citibank closed the chargeback in the merchants favor. However, after the chargeback was closed, the airline ( XXXX XXXX ) confirmed to me in writing that they issued a refund to XXXX, not to my credit card. 
Despite this confirmation, I have not received any refund. XXXX is refusing to investigate or release the refunded funds, stating that they will not take action due to the prior chargebackeven though Citibank has already closed it. 
Citibank has also declined to reopen or further investigate the dispute, even though this is a post-chargeback refund scenario and the refunded funds were never credited to my account. 
I am requesting that Citibank : Reopen the dispute, or Investigate the airlines refund to the merchant, or Credit my account for the refund that was issued but never received I have documentation from the airline confirming the refund to the merchant and can provide all supporting evidence.

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 2026-01-07 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/year> I was going to make a purchase at JC Penny 's and they closed my Tjx Rewards Mastercard without even notifying me. I spoke to XXXX the supervisor on XX/XX/XXXX at XXXXXXXX XXXX and she told me I was high risk. I pay my TJ Card on a regular basis with only a {$250.00} limit. I explained to XXXX that I had to cut down my work hours to take care of my XXXX XXXX XXXX mom so I was having financial difficulties on managing my other credit cards. I tried to explain my situation to the other credit card companies to make arrangements but they refused to help in any way. XXXX was the rudest, nastiest, most unprofessional supervisor I have ever dealt with. I would like this credit card open as I have been paying good on it. The agents and supervisors should be retrained on customer service and I do not appreciate being treated like a criminal when I am in a very hard situation I am trying to get through. Not everyone is a criminal or trying to work the system. I was treated very badly and I do not appreciate it.

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 2026-01-07 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
PayPal permanently limited my account and is holding approximately {$600.00} of my money for XXXX days without providing a clear or specific reason. The funds were personal funds and included a gift sent to a family member. There was no fraud, no chargebacks, and no violation explained to me. 

PayPal has refused to identify what specific policy I allegedly violated and has provided only generic responses. This action has caused significant financial hardship, and I have no ability to access my own money despite complying with all requests for verification. 

I am requesting : 1. A clear written explanation of the specific policy allegedly violated 2. Immediate release of my funds, or confirmation that the full balance will be released at the end of the XXXX period 3. Assurance that no arbitrary damages will be deducted without justification PayPals lack of transparency and prolonged withholding of funds feels unfair and disproportionate given the nature of the transaction. I am asking for CFPB assistance to ensure fair treatment and access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a call from someone who goes by the name of XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX regarding owing a past debt to a payday loan " XXXX XXXX XXXX '' with a original balance of {$600.00} and a debt payment plan with an amount of {$960.00} that include fees. XXXX says that I will be taken to court, my wages will be garnished, and my taxes will be withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I was in in college and I applied for FAFSA and I needed a FAFSA to get a student aid and they're saying that I have a loan on and I never got a loan so it's a fraudulent activity and they're telling me to get a police report and all this stuff to go to the US department but there's nothing I can do about it because I'm already starting school and I'm not eligible for any aid and that's not right

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection of the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, and is not an acknowledgment or admission of liability.

Please provide competent evidence of the following : The amount of the alleged debt, including a complete and itemized accounting of : the original balance, any interest, fees, or charges added, and the contractual basis authorizing such additions. 

The name and address of the original creditor, along with documentation showing the alleged debt originated with that creditor. 

Proof of your legal authority to collect, including : a copy of the assignment, bill of sale, or purchase agreement showing the transfer of the alleged debt to your company, documentation establishing your standing to collect and report this account. 

A copy of the original contract or agreement bearing my signature or other competent evidence demonstrating that I agreed to the alleged obligation. 

The date of first delinquency as reported to the credit bureaus. 

Proof that this account has been accurately reported, including confirmation that the balance, status, and payment history are complete and correct. 

Please note that mere statements, screenshots, or internal account summaries do not constitute proper validation under the FDCPA. 

If you are unable to provide the above documentation, you must : cease collection activity, and request deletion of this account from all consumer reporting agencies to which you have furnished information. 

Additionally, reporting or continuing to report unverifiable or inaccurate information may constitute violations of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, and applicable state laws.

I expect your written response within 30 days. 
All future communication regarding this matter must be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal permanently limited my account after funds were deposited. Documentation was submitted. PayPal refuses to release or return funds needed for essential medication and will not provide a clear reason. This is causing immediate financial and medical hardship. 

Today XX/XX/XXXX in the amount of XXXX I contacted PayPal they told me I had to wait a day and few hours later told me they were closing my account. I asked what the reasoning was and they stated they did not give out information about that and I had to wait until XX/XX/XXXX to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TN

Complaint narrative:
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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel violated and this has been a big issue for me moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC

Complaint narrative:
I have received XXXX checks for a security deposit refund from me moving out and i had the cashed the checks and XXXX of them bounced. I tried to make a payment arrangement to pay the amount back which is XXXX and said they couldnt then the next day ab amount of XXXX dollars was brought up to help repay the amount and no one never called me back about it. I keep getting harrassing calls threatening me with jail time. I am able to pay it back when i get my taxes back in XXXX. The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting this complaint regarding MOHELAs failure to validate and substantiate alleged student loan debt they claim I owe. 

On or about [ XX/XX/XXXX ], I formally disputed the accuracy, ownership, and enforceability of the alleged student loan account ( s ) serviced by MOHELA. In that dispute, I requested specific documentation, including a copy of the original Master Promissory Note, proof of chain of custody and ownership, and evidence that MOHELA has legal standing and authority to service, collect, and report the loan ( s ). 

As of [ XX/XX/XXXX ], MOHELA has failed to provide the requested documentation. Instead, MOHELA has continued to assert servicing authority and, to my knowledge, continues to furnish information regarding the alleged account ( s ) to consumer reporting agencies.

Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy or ownership of an account. Under the Consumer Financial Protection Act, servicers are required to maintain accurate records and substantiate claims regarding consumer obligations. Additionally, under Floridas adoption of the Uniform Commercial Code, enforcement of a promissory instrument requires proof of lawful transfer or authority to enforce. 

MOHELAs failure to produce the Master Promissory Note, chain of custody documentation, or proof of authority raises serious concerns regarding the accuracy of its records and its compliance with federal consumer protection laws. Continuing to service and report the account without substantiating its authority may be misleading and harmful.

I am requesting that the CFPB require MOHELA to either provide full validation of the alleged debt, including the Master Promissory Note and complete chain of custody, or to cease collection and credit reporting related to the disputed account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple inquiries appear on my credit report as a result of applications submitted in my name without my knowledge or authorization. I do not recognize these inquiries and did not consent to these companies accessing my credit file. Although I contacted the credit bureau and was advised that these inquiries would be removed, they remain on my report and have negatively impacted my credit score, causing ongoing and unnecessary stress.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Notice of Pending Litigation Seeking Relief and Monetary Damages Under FCRA Section 616 and Section 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete unverified information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under section 616 and section 617 if the unverified items listed below are not deleted immediately. A copy of this letter, as well as copies of the three written letters sent to you previously, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the F.C.R.A. to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigation, you started in writing that you verified. That these items are being reported correctly. I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at Experian who verified the dispute with the original creditor The documentation used to verify the dispute You have not provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under section 611 ( a ) ( 7 ). Please be advised that under section 611 ( 5 ) ( A ) of the F.C.R.A. you are required to.... promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigation consumer and fully intend on pursuing litigation in this matter to enforce my rights under the F.C.R.A.

I demand the following accounts be verified or deleted immediateXXXX 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 explanation