vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
b'To Whom It May Concern,\nI am submitting a formal complaint about serious fraud on my American Express account (XXXX XXXX XXXX American Express did not follow the necessary security and fraud-prevention steps. This has caused me significant financial harm.\n\nOn or about XXXX XXXX XXXX  an unauthorized third party gained access to my American Express account. This person opened a XXXX credit line in my name without my knowledge or permission. The funds were transferred to my business checking account. Then, they were moved to out-of-state accounts I do not know and did not approve.\nI did not apply for, approve, or benefit from this line of credit. American Express never contacted me to check on this large credit transaction. I also did not receive any alerts, calls, or fraud warnings, even though there were clear signs of possible fraud.\nFor the whole month after I found this fraud, I tried many times to contact American Express. I filed disputes and reported the activity as fraudulent. Despite these efforts, my complaint was denied. I was ultimately informed that I am being held responsible for the fraudulent line of credit.\n\nAs of today:\nMy account has been frozen\nMy fraud complaint has been denied\nI have been told I am responsible for a debt I did not authorize.\n\nThis outcome is not acceptable. It seems to come from American Express not following its security and fraud-prevention rules. American Express says it could not reach me while approving the loan. However, it found my phone number in XXXX, just when the payment on the fraudulent loan was due. This contradiction further demonstrates negligence in account monitoring and customer protection.\n\nAmerican Express did not act properly, and I should not pay for losses that came from:\n\nUnauthorized account access\n\nFailure to verify identity before issuing credit\n\nFailure to notify or confirm large financial transactions\n\nImproper handling and denial of a legitimate fraud claim\n\nI am requesting immediate resolution of this matter, including:\n\nFull removal of the fraudulent line of credit from my account\n\nWritten confirmation that I bear no financial responsibility for this debt\n\nRestoration of my account standing\n\nThe hacker tried to withdraw XXXX  from my XXXX XXXX XXXX account, but the bank denied the withdrawal. Please refer to the attached statementsXXXX XXXX  Please note that I did not sign the loan agreement. \n\nA full investigation into how this fraud occurred and why proper protocols were not followed\n\nIf this issue is not fixed quickly, I will take further steps. I will report this complaint to the relevant regulatory agencies and seek legal advice.\n\nPlease consider this letter a formal notice of dispute and demand for correction.\n\nSincerely,XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Credit Corporation is attempting to collect a utility debt on behalf of XXXX XXXXXXXX XXXX XXXXXXXX despite the fact that this alleged account was previously identified as identity theft and permanently blocked and removed from my nationwide consumer reporting agency disclosures pursuant to 15 U.S.C. 1681c-2 ( a ). XXXX XXXXXXXX XXXX XXXXXXXX received actual notice of my identity-theft status when the consumer reporting agencies transmitted the identity-theft block and removed the tradeline, confirming that the account was fraudulent and derived from compromised personal identifiers. The service address Penn Credit relies upon is not an address I have ever resided at or authorized service for and is itself a fraudulent address resulting from identity theft. Notwithstanding this actual notice at the creditor level, Penn Credit initiated new collection activity using the same compromised identifiers and treating the matter as an ordinary consumer debt. Penn Credits XX/XX/year>XXXX  collection notice continues to publish and rely on false address data and unauthorized identifiers that were already determined to be fraudulent, demonstrating a failure to implement reasonable procedures to prevent collection on identity-theft accounts. This conduct constitutes unlawful collection after notice, misrepresentation of an obligation, and continued processing of identity-theft information in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid my minimum payment on time on the XXXX, prior to my due date of the XXXX. I also initiated a full balance transfer before the due date that posted on the XXXX. An interest charge of {$24.00} was applied due solely to balance transfer processing time, not due to a late or missed payment. I contacted PayPal Credit customer service and requested a courtesy adjustment, but was told no manual adjustment was available. I am requesting a goodwill credit of the {$24.00} interest charged. I thought my account was fully cleared because I was even in the negative of the XXXX dollars that I paid the minimum amount for. I paid on time every month and never requested 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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: CA

Complaint narrative:
I stopped attending XXXX  in XXXX of XXXX. In XXXX of XXXX I noticed a large drop of over XXXX points in my credit due to missed payments. I am willing and able to begin paying back this loan, but have been unable to get any information on how or whom I should be paying the loan back to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I lost my employment on XX/XX/XXXX, following the death of my father due to a XXXX XXXX. At that time, I had active credit card accounts with Chase Bank and XXXX XXXX. While employed, I consistently made at least the minimum required payments on both accounts in a timely manner. 

After becoming unemployed, and despite ongoing efforts to secure new employment, I have been unable to continue making payments. Beginning in late XXXX to early XX/XX/XXXX, I started receiving repeated phone calls and text messages from both Chase Bank and XXXX XXXX regarding these accounts. I have informed both companies multiple times that I am currently unemployed and experiencing significant personal hardship. 

Despite these explanations, representatives have continued to ask whether I can make a payment, including requests for amounts as low as {$20.00}, even after being advised that I do not have the financial ability to do so. The contact frequency has ranged from one to three times per day, with calls occurring as early as XXXX XXXX and as late as XXXXXXXX XXXX 

Additionally, I disclosed during my initial communications that I am dealing with compounded personal loss, as my mother also passed away from a XXXX XXXX less than one year prior to my fathers death. 

As of XX/XX/XXXX, the balance owed to Chase Bank is {$1300.00}. 
As of XX/XX/XXXX, the balance owed to XXXX XXXX is {$510.00}. 

I am submitting this complaint to document the repeated contact despite clear notice of financial hardship and unemployment, and to request appropriate consideration under applicable consumer protection standards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Iive had several complaints in there regarding the entire loan. I paid it off in XX/XX/XXXX and trying to recoup this unapplied interest non-bearing interest loan. I stumbled upon all these other things discharge that werent applied the modification they said in XXXX They opt the balance and then the discharge then the took it off and then they said that was my modification amount if you look at all the tax forms in the Wells Fargo account statements my balance has never been at XXXX and he said it was because of the home equity loan. Ive got a home equity loan tax statement with a discharge same amount thats a watch so theres like a XXXX discharges that were never applied. You can see the balances on the tax savings and the XXXX discharges were never applied and then it was added on my loan from XXXX with Wells Fargo never went anywhere because they were keeping all the payments themselves and then adding stuff back in. I mean, I shouldnt be having to chase this for my own money for their errors. The two accounts that were in mediation are the same accounts Im working on with them. They just try to. Theyre just trying to ignore it and its a bigger problem than just a calculation error of a couple thousand dollars. They have changed the account number several times when theyre supposed to do discharges as you can see one year my mortgage changed by a dollar on the tax stuff so the entire time I had the loan you could see that basically nothing was paid off on it. They were keeping all the money now I want my money back plus not interest loan a {$200000.00} loan in XXXX should not still be XXXX XXXX and they had a loan extended out to XXXX. I still wouldve owed more on it so this is more paperwork to prove the discrepancies and it should be played in simple right here. I just want my money back and interest on it for the years. and I also have a problem with that last picture I took with the modification from XXXX. Noticed the dates they have XXXX. I did financing for my parents and the car dealership and a lender or a would never take a contract that has the wrong date so I I mean theres so much fraudulent stuff. I dont know how much more documentation they want because they should have all this but they keep sending me the same stuff Thank you, 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
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
On XX/XX/year> I received an installment loan from Bright Lending in the amount of {$900.00}. The loan discloses an APR of approximately 700 % and total payments of {$5200.00}. I am an Illinois resident, and under the Illinois Predatory Loan Prevention Act, consumer loans are capped at 36 % APR. I believe this loan is illegal and unenforceable in my state. I contacted the lender to dispute the balance and requested confirmation of any legally enforceable amount, their Illinois lending license, and a full itemized payment history. The company has not provided this information. I am requesting that the illegal finance charges be removed and that the balance be corrected to comply with Illinois law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I booked a XXXX hotel stay through XXXX from XXXX through XXXX. The hotel room was unsafe and uninhabitable : no heat during freezing temperatures ( high XXXX, low XXXX ), a broken door lock, and unsanitary conditions. We stayed XXXX nights and left for safety. XXXX and the hotel refused to refund the remaining XXXX nights {$840.00}. I submitted a dispute with Capital One, but they sided with XXXX. I have attached photos of the room, the broken lock, a weather report, and XXXX denial letter. I also attempted to contact the hotel multiple times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX has demonstrated a pattern of account mismanagement beyond the XXXX XXXX XXXX issue. On XX/XX/XXXX, I made a {$40.00} payment to my XXXX XXXX XXXX card ( ending XXXX ). As of XX/XX/XXXX - XXXX days later - this payment was STILL showing as " XXXX XXXX '' in the XXXX mobile app. 
This directly contradicts XXXX XXXX 's own statement to the CFPB in their XX/XX/XXXX response letter, which claims " your bill pay provider XXXX take up to XXXX business days to transmit the payment. '' XXXX business days is DOUBLE their stated processing time. 
This payment processing delay, combined with the unnoticed XXXX XXXX XXXX deactivation and inflated minimum payment, creates a systematic pattern of account mismanagement that makes it nearly impossible to avoid late payments even when making good-faith efforts to pay on time. 
This constitutes an additional UDAAP violation : Creating systems and processes that make it unreasonably difficult for consumers to successfully make timely payments, even when they attempt to do so. 
Evidence : XXXX from XX/XX/XXXX showing XX/XX/XXXX payment still processing after XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, the case number XXXX, after a I transferred XXXX XXXX my XXXXXXXX XXXX XXXXXXXX Chase account, my account got restricted and closed permanently, and shortly after I received a email notification, chase told me due to high amount of claim submitted, they closed this account however my most claims were submitted due to spending more than XXXX $ in two -three weeks, chase mishandled my account and I lost XXXX XXXX all the documentation is ready, i use this account as I get direct deposit from rental property in XXXX. I never reported or experienced fraud with chase bank. This account was opened around XX/XX/year> and I asked the banker to give me a premium account because I have intention of depositing high amount of cash, and need a premium bank account for costumer service 24/7, and I deposited a check from state of California sum of XXXX $ on XXXXXXXX XXXX shortly after I deposited more cash, it can viewed in bank statement XX/XX/year> through XXXX XXXX that more than XXXX XXXX dollar was deposited however was spent in short period of time, the chase costumer care mishandled my account, the bank also gave me a basic chase account which didnt had 24/7 costumer care. They also mishandled my dispute claims for service didnt received and or overcharged, I am asking for investigation and appeal the process of closure which chase want to end relation with me. I always want have a friendly relation with banks and dont seek for lawsuits, and need to option me out of arbitration which my money was lost and mishandled. I like to open a account with chase in future and I never wanted to they closed the account. I also attached the physical evidence to this email however I will redact the sensitive information or account number which was closed, I hope with investigation they can find proper resolution., opt me out of arbitration or filing a lawsuit small claim for XXXX $ for damages and mishandling the account losing XXXX XXXX in two - three weeks. PHYSICAL EVIDENCE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CO

Complaint narrative:
I received a credit alert on XX/XX/XXXX thru my XXXX account. I added a fraud alert and opened a dispute on XX/XX/XXXX. They closed the dispute without any information given to me or any additional information. They did not give a reason. I called the company ( eastern account system-XXXX XXXX ) to file a dispute and filed XXXX with their automated system. I have not heard anything from the company. Its saying the account was opened in XXXX of XXXX. I had a freeze on my credit so I dont know why or how this company allowed someone to open an account in my name. Can you please help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX for failure to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and applicable Florida law. 

Timeline XX/XX/XXXX : I mailed Midland a written dispute of an alleged debt. 

XX/XX/XXXX : Midland received and signed for the dispute. 

Since receipt, Midland has : Failed to provide any debt validation ; Failed to respond substantively ; and Continued furnishing information regarding this account to consumer reporting agencies. 

Violations 15 U.S.C. 1692g ( b ) : Midland failed to cease collection activity after receiving a written dispute and before providing validation.

15 U.S.C. 1681s-2 ( b ) : Midland continued furnishing disputed information without conducting or documenting a reasonable investigation. 

Fla. Stat. 559.72 : Midland engaged in unfair and deceptive debt-related reporting practices under Florida law .

Harm Midlands failure to respond and continued reporting has : Prevented me from verifying the legitimacy of the alleged debt ; Resulted in continued publication of potentially inaccurate credit information ; and Forced me to seek regulatory intervention. 

Resolution Requested I request that Midland be required to : Provide full written validation of the alleged debt or Immediately cease reporting and request deletion of the account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
XXXX XXXX Concora Credit Inc . 
XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Response to Ongoing Issues with Milestone Mastercard Account XXXX in XXXX Complaint ID : XXXX Dear Concora Credit Inc., I am writing in response to your recent communication regarding my Milestone Mastercard account ending in XXXX. I appreciate your acknowledgment of the issues that occurred during the XX/XX/year>, phone call, specifically regarding the full explanation of the workout program. Your admission of misrepresentation by an employee is a step toward transparency ; however, it remains insufficient given the ongoing complications and errors in my account handling. 

Despite your admission of misrepresentation, I am dismayed that you continue to report this account without rectifying the misinformation. Your failure to disclose accurate program details resulted in a lack of clarity, thereby affecting my ability to address the situation effectively. 

Contrary to your claim of being unable to cease reporting, the Fair Credit Reporting Act ( FCRA ) obligates you to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Continued reporting of disputed or litigated accounts without full rectification breaches these obligations and exacerbates my financial distress and mental anguish. 

I urge you once again to correct your records and stop reporting this account until a comprehensive and acceptable resolution has been reached. Reiterate acknowledgment of your internal communication failures, correct the records, and ensure no further inaccurate reporting takes place. 

This communication serves as a final attempt to resolve this matter amicably. If the situation remains unresolved, I will be compelled to proceed with litigation against Concora Credit Inc. for the damages and undue stress caused by negligent and incorrect reporting practices. This legal action will include claims under both FCRA and other applicable laws regarding your obligation to provide accurate information and handle accounts in dispute diligently. 

Please respond with confirmation that you will take immediate corrective action, including removing the account from my credit report and thoroughly resolving all issues associated with it. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The vendor says they are renewing an annual membership, and, like a fool, I let them use my computer to stop the transaction. I fell for them actually being with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: AZ

Complaint narrative:
I received an invoice from Medical Revenue Service stating that I owe {$3400.00} however when I go to original invoice from XXXX XXXX XXXX it shows owe {$0.00}. I feel the invoice from Medical Revenue is a scam trying to collect debt that has already been paid in full.

Company response to consumer: Closed with explanation