vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding the closure of my XXXX XXXX XXXX American Express account, which I believe occurred due to circumstances beyond my control. 

I have been an American Express cardmember since XXXX and have historically managed my account responsibly. My income is commission-based and paid through contractual relationships with suppliers. Over the last several months, leading up to the account closure, my primary supplier experienced repeated payment processing failures, leaving me in horrible situations, including payments marked as issued but delayed in receipt, and even worse, " mailed '' checks that were never received. I'm still dealing with the collection side of numerous commission checks. 

These third-party payment failures caused returns, unprocessed operational transactions, associated bank fees, and temporary banking restrictions, which interfered with my ability to make timely credit card payments despite my active and good-faith efforts to remain current. Importantly, I continued making payments with the understanding that my commission would be in my account, ready to pay my bills. 

At the time of the account closure, I had funds available and was prepared to submit payment in full ; however, due to the risk of additional returned payments caused by ongoing employer payment reversals and banking restrictions, I elected to submit the minimum payment while ensuring funds were fully settled to avoid further payment failures. 

If my credit report is reviewed, the negative reporting associated with my American Express account is concentrated within a single hardship period in early XXXX and does not represent an ongoing pattern, as the account returned to its current status afterward. My broader credit profile reflects the same hardship period, which I am actively addressing while transitioning to more stable income sources. 

In addition, my household experienced significant and unexpected medical and therapy expenses for my daughter with XXXX XXXX and XXXX, during this same period, along with a temporary loss of household income from my husband. I am now transitioning into working relationships with well-established suppliers beginning XXXX, which is expected to provide improved income consistency going forward. 

I respectfully request that American Express reconsider the account closure in light of the documented third-party payment failures and my continued good-faith efforts to meet my obligations. This card has been a very important piece of my business, and provided a strong level of comfort knowing that American Express was on my side around the world with me while traveling for work. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: NE

Complaint narrative:
I am filing a complaint regarding XXXX XXXX  reporting and collections practices. 

I contacted XXXX  on XX/XX/XXXX to request information about hardship options on my {$1600.00} balance on an {$1000.00} loan from XX/XX/XXXX and clarification of how my account would be reported during financial hardship. In multiple written responses, XXXX  stated that : No hardship program exists to stop or reduce reporting The account will continue to be reported as delinquent until payment is made Settlement or payment plan discussions can not occur unless I first provide a valid payment method Collection activity will continue until payment is authorized XXXX  has refused to discuss or document any alternatives without payment authorization and has confirmed that negative credit reporting will continue unless payment is made. 

I believe this practice is coercive and does not reflect a fair or individualized review of hardship circumstances. I am requesting that XXXX  : Conduct a formal review of my account Clarify whether reporting can be paused or suppressed during dispute or review Correct or suppress any inaccurate or excessive credit reporting related to this account I am requesting CFPB assistance to review XXXX  practices and their handling of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I paid off my car in XXXX of 2024 and BMW still will not give me my title! When I last contacted them in XXXX they said they would mail it to me. Its almost XXXX and still no title! I contacted the XXXX but they said they need a certified release letter in order for them to give me my title. I havent been able to either from BMW. I will never buy another BMW again!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an auto loan with Westlake Financial that was rescinded following a bank-mandated buyback due to dealer-related fraud.

After approximately 8 months, Westlake Financial determined that the dealer engaged in fraudulent conduct and required the dealer to repurchase the loan. As a result, the underlying retail installment contract should be treated as void/rescinded, as the transaction should never have been funded.

Despite the buyback, I have not received a refund of the payments and interest I made on this loan, and I have not received clear written confirmation of the loans rescission, a {$0.00} balance, or correction of any credit reporting.

Under consumer protection principles applicable to rescinded transactions, I am entitled to be returned to my original financial position. This includes : Refund of all payments and interest made to Westlake Financial Written confirmation that the loan balance is {$0.00} Assurance that no negative credit reporting remains or will be reported I have contacted Westlake Financial to request this information and resolution in writing but have not received adequate confirmation or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am disputing a rental debt being collected and reported with a balance of approximately {$11000.00}. I completely and officially vacated the rental property in XX/XX/XXXXXXXX  and possess an official move-out ledger dated XX/XX/XXXXXXXX  reflecting a balance of {$1800.00}. I also executed a new residential lease dated XX/XX/XXXX, confirming that I relocated prior to the dates relied upon by the collector. 

After disputing the account and requesting verification, the collector provided a different move-out ledger dated XX/XX/XXXXXXXX   with a substantially higher balance. These two ledgers conflict materially and can not both be accurate. The collector did not explain the discrepancy, did not justify charges assessed after XXXX, and did not reconcile the conflicting dates or balances. 

I also provided evidence that the unit was uninhabitable due to rodent infestation during my tenancy. Despite being presented with documentation demonstrating vacatur and conflicting accounting, the collector relied solely on creditor confirmation and continued to report and collect the inflated amount. 

Verification that merely restates creditor assertions without addressing documented inconsistencies does not constitute a reasonable investigation. I believe the continued reporting and collection of this inflated and conflicting balance is inaccurate and improper.

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 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I used Affirm to book a XXXX XXXX  on XX/XX/XXXX. After attempting to cancel the appointment twice on XX/XX/XXXX, and again on XX/XX/XXXX, XXXX processed a refund to Affirm on XX/XX/XXXX. Despite the refund being issued, the Affirm loan continues to show as active. When I attempt to dispute the charge through Affirms website, I am blocked with a message stating that more than 120 days have passed and that I am no longer eligible to dispute the transaction. Affirms XXXX  states it is a technical problem. Today, XX/XX/XXXX, I spoke with 2 representatives by phone to discuss further and was then placed on hold. Neither representative returned ; the phone lines were dropped and no call back received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an account with Citibank last year with some money in my account which is {$280000.00} but unfortunately my account got closed with my money in it and I was told I will get a cashier check of my balance in it then later on XX/XX/year> I got a cashier check of only {$60000.00}, I didnt get a cashier check of all my money. When I called the bank to tell them about it and complain it to them they told me I will surely get my cashier check of the remaining balance which is {$220000.00}, since after waiting for weeks I didnt get the cashier check, I visited the branch and I was told nothing can be done than I should call the Citibank customer care, I called and explained it all to them, they apologized and told me the cashier check was reissued and I should get it in the next 15 business days. I waited and I still didnt get it, its over XXXX XXXX XXXX months now and I still havent gotten my money from Citibank XXXX anytime I call the customer care they said the money was returned back to the merchant, I contacted the merchant and there was no money returned back to them, the merchant send me a mail saying no money was returned to them and I should check out with my bank. Anytime I call Citibank to complain they always hang up the calls after hearing my complaints. I only have proof of the alerts I do receive from Citibank after they sent the first cashier check of {$60000.00} to me because my account was closed and I was unable to get a statement of my account but proof of alert is in my mail, Citibank has my money and dont want to let go of 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 monetary relief
Consumer complaint received 2026-01-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax , as a consumer reporting agency, block and remove all information on my consumer credit report that resulted from identity theft and fraud within four ( 4 ) business days of receipt of this complaint. 
The fraudulent, inaccurate, and false information currently appearing on my Equifax consumer credit report includes the following accounts, collections, and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have generated unauthorized hard inquiries and fraudulent collection accounts, all of which are not mine and were not authorized by me. The presence of this information is the direct result of identity theft and fraud, and its continued reporting is causing ongoing harm to my consumer credit profile. 
Attached to this complaint is a copy of my IDentity theft report number FTC XXXX, issued by the Federal Trade Commission, which serves as official documentation confirming that the above-referenced accounts, collections, and inquiries are the result of identity theft.

Pursuant to FCRA 605B, upon receipt of a valiAd identity theft report, Equifax is legally required to block the reporting of the identified fraudulent information within four ( 4 ) business days and is prohibited from reinserting such information unless all statutory requirements are met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received an offer from my Chase credit card to purchase a XXXX XXXX XXXX The offer states that I need to 1. Purchase the item online ( I did ) 2. Use this card to pay for it ( I did ) 3. Purchase within the US ( I did ) 4. Purchase on or before XX/XX/year> ( I did ) 5. Spend {$1000.00} or more on this purchase ( I did ) I made the purchase on XX/XX/year>, but the bank refuses to honor the offer I was supposed to receive a credit on my statement for {$250.00} within 14 business days of making the purchase. 

I spoke to 1 agent who assured me it would post on or before XX/XX/year>, but when it didn't happen I called back and they said there was nothing they could do but call their Executive Office to complain or escalate to their Marketing department. 

I never would have purchased this if it weren't for this offer, and now I can't return the item to the merchant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo must be stopped from committing grand thefts against innocent American customers like myself. Wells Fargo is accused of conspiracy to commit grand theft, false business practices, denying multiple settlement opportunities, withholding my funds for over a year, mental illness in dealings, attempted defamation, slander, libel, false accounting, criminal grand theft, conspiring with fraudulent companies who committed crimes such as XXXX XXXX XXXX, they have been accused by police of committing grand theft and fraud and doing intentionally adverse conduct, they are in the process of potentially being sued for in the upwards of {>= $1,000,000} for bullying and misrepresenting claims and defrauding the FBI and police and CFPB previous to this and using anti American and anti XXXX tactics to attempt to persuade officials to not act on behalf of consumers and restore livelihoods and funds to innocent people after they were the victim of a fraud or crime, the have committed conspiracy with XXXX XXXX XXXX to intentionally withhold a title to a vehicle after sale, lie to the DMV and say the vehicle does not exist, attempt to force me to destroy the evidence of the vehicle over the phone by threat of criminal harm or murder after sale, refusal to settle at XXXX XXXX XXXX, falsely closing the claims, lieing to the CFPB, continuing this anti American sentiment through multiple businesses and employees about the matter, disrespectfully underestimating consumers abilities to defend themselves, report, and accuse these individuals of crimes properly, attempting to silence a witness, making false reports about the financial status of a vehicle, and many more criminal things against an innocent person. The evidence is clear, any attempt against this exposition shall be viewed as further criminal activity and crime and is. 

2 of the obvious transactions that were not investigated properly or given back to my account after request due to the fraud were : XXXX XXXX XXXX ( a fraudulent and felonious Motorsports dealer with many accusations against them ) XXXX XXXX XXXX ( a fraudulent and felonious insurance company selling cars without titles claiming they are destroyed when they are not, many accusations against them for unfathomable activity like this ) ( XXXX was the second charge which was overcharged due to false reports about the vehicle ) The transactions in total equated to about {$20000.00} and constituted grand theft against my account Wells Fargo knowingly admitted to yet refused to refund in escalation of crimes against me.

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 2026-01-29 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
XX/XX/year> They won't provide any information ( incl.balance ) about the account in question or give me any information unless I provide them a full social security number as well as all other relevant information about myself. 
I don't think this is a legal company. 
I never applied for this card - I don't know what was purchased. I just want it shut off - but I can't unless I give all that information. 
Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
PLAZA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA XXXX 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP
State: NC

Complaint narrative:
I contacted the lender and requested that my concerns be escalated to a manager because I was never informed that my loan type had been changed, and I did not sign any documents authorizing such a change. My understanding is that a borrower must sign documentation for a loan to close, and all documents I signed at my refinance closing clearly identified the loan as a XXXX  loan. I was never provided with updated closing documents reflecting my current loan terms despite requesting them multiple times. 



I have asked the company for a clear explanation but have not received a direct answer. They claim the refinance was completed too early for XXXX  XXXX ; however, when I contacted the XXXX  directly, I was told I met the requirements to refinance, and there is no record of any denial of my XXXX  benefits. The lender has been unable or unwilling to explain this discrepancy and continues to avoid directly addressing my questions. I am requesting a formal investigation, a written explanation, and copies of all loan documents related to my refinance and current loan terms.

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 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CO

Complaint narrative:
On XX/XX/year> I received a notification from XXXX XXXX and from XXXX that my score had dropped considerably. I looked and saw there was a collections on there from Jefferson Capitol systems LLC. I never received a notice or any type of communication about this before they sent it to collections. Totally blindsided and my credit scores are wrecked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
This complaint is a continuation of CFPB XXXX XXXX. XXXX, which was closed without resolution after the bank provided a conclusory response that did not address parental consent or CIP/KYC verification XXXX 

Bank denied violations Bank refused to confirm corrective action Account still unresolved XXXX XXXX still at issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX XXXX XXXX XXXX XXXX  credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISE CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT 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 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