vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
am submitting this complaint to formally dispute an account that is being reported and/or collected inaccurately and unlawfully. The account in question does not belong to me and is the result of identity theft. 
I did not open, authorize, or benefit from this account, nor did I enter into any contract or agreement related to it. I have no legal obligation for the alleged debt. 
I submitted a written dispute and debt validation request to the creditor/debt collector requesting : Proof of debt validation, including a copy of any original signed contract or application Proof of legal standing and valid assignment/ownership of the account Evidence of a permissible purpose for obtaining and furnishing my consumer report XXXX of collection and credit reporting pending investigation To date, the account continues to be reported and/or collected without providing competent evidence that I am legally responsible for the debt. Generic statements, internal records, or unverified balances do not constitute proper validation. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to report accurate information and to conduct a reasonable investigation once a dispute is received. Continued reporting of this account without validation also constitutes unfair and deceptive practices. 
Because this account is the result of identity theft, I am asserting my rights under XXXX U.S.C. XXXX and requesting that this account be deleted from all consumer reporting agencies and that all collection activity cease immediately. 
I am requesting CFPB assistance to ensure that : The creditor/debt collector provides full legal validation and proof of ownership, or The account is permanently deleted and withdrawn from all credit reporting agencies I am submitting this complaint for permissible purpose verification, assignment/ownership review, and correction of inaccurate credit reporting. 
This complaint is submitted without admission of liability and with full reservation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
CFPB Complaint Narrative Demand for Deletion of Inaccurate Auto Account I am submitting this complaint regarding an auto loan account that is being inaccurately and unlawfully reported on my consumer credit report as both a repossession and a charge-off. 
The vehicle was not repossessed. The creditor did not seize the vehicle, send a repossession agent, or take possession without my involvement. I repeatedly contacted the creditor to resolve unresolved issues with the account. The creditor stated they could not determine or correct the issue, even after the matter was brought to formal mediation. 
After the creditor failed to resolve the issue, I contacted them and voluntarily returned the vehicle in good faith. At no time did a repossession occur. Despite this, the account is being reported as a repossession and later charged off. 
The creditor has failed to provide documentation establishing : A valid default determination at the time of the vehicle return That a repossession occurred A lawful basis for charging off the account A complete and accurate post-return accounting of the vehicles disposition The accuracy of any alleged balance Because the repossession designation is factually false and the charge-off is unsupported, the account as reported is materially inaccurate. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), inaccurate information that can not be verified must be deleted, not reclassified or corrected. 
I am requesting CFPB assistance to require that the creditor permanently delete this account in its entirety from all consumer reporting agencies and cease furnishing any information related to this account. 
This complaint is submitted for deletion of inaccurate credit reporting, without admission of liability, and with full reservation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no knowledge of these accounts and they need to be removed under XXXX B within XXXX  days. I have submitted a notarized affidavit of dispute, FTC report and proper identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citigroup ( the " XXXX '' ) continues to engage disinformation ; the XXXX says it does not discriminates against my email address, and here I submit a photo of the XXXX 's systems discriminating against my email address due to the domain. The XXXX says it verified calls ; yet, forgot to address DMs sent on XXXX  and to the XXXX 's XXXX  account for these matters. The XXXX lies...

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX and its principal, XXXX XXXX XXXX, CPA, for unfair, deceptive, and coercive debt collection practices involving a fabricated and unauthorized charge. 

My engagement with XXXX XXXX XXXX XXXX ended in XXXX after completion of my XXXX tax return. All fees were paid in full, and XXXX own Terms of XXXX state that the engagement terminates upon completion of the return. I did not authorize, request, or consent to any services for the XXXX tax year. 

Despite this, XXXX unilaterally filed a New York State Form XXXX ( Application for Automatic Six-Month Extension ) on my behalf for XXXX without my knowledge or consent. I did not need an extension and independently filed my XXXX taxes on time. 

XXXX then invoiced me {$1100.00} for this unauthorized action, including {$1000.00} for the XXXX filing, despite charging {$100.00} for the same form in XXXX. There is no New York XXXX filing fee for Form XXXX. I disputed this charge in writing. 

Even after disputing the charge, XXXX treated this fabricated amount as a legitimate debt and referred it to third-party debt XXXX, including XXXX XXXX XXXX ( Account Ref : XXXX ) and Transworld Systems IncXXXX ( Account Ref : XXXX ). 

In direct email communications, XXXX XXXX threatened to report the alleged debt to credit bureaus and made statements implying potential consequences related to my immigration status. I am a lawful XXXX resident under an XXXX visa. Threatening credit harm and immigration consequences in connection with a disputed and unauthorized debt is coercive and improper. 

These actions caused significant distress and required substantial effort to protect my credit standing and legal status. I am requesting CFPB assistance to stop all collection activity related to this false debt and ensure that no credit reporting occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: CA

Complaint narrative:
STATUTORY GROUNDS FOR ENFORCEMENT 18 U.S.C. 1028A ( Aggravated Identity Theft ) : I am the victim of a federal crime. My personal means of identification were knowingly used without authority to open and manage the fraudulent accounts listed below.

15 U.S.C. 1681a ( a ) ( 6 ) ( B ) ( iii ) : I am challenging the unauthorized communication of this data among affiliated persons. No " clear and conspicuous '' notice was provided to me, nor was I given the opportunity to opt-out of these disclosures as required by law.

15 U.S.C. 6802 ( Privacy of Consumer Information ) : The disclosure of my nonpublic personal information to third-party collectors for these fraudulent debts violates my privacy rights, as no valid relationship or authorized transaction ever existed.

15 U.S.C. 1681b ( Permissible Purpose ) : There is no permissible purpose for any consumer reporting agency to furnish or maintain a report containing this criminal data.

15 U.S.C. 1666b ( Fair Credit Billing Act ) : The creditors failed to provide required periodic statements or letters of delinquency. Under 15 U.S.C. 1637 ( b ), the failure to provide accurate periodic statements renders the reporting of any " late '' or " delinquent '' status illegal.

FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : I am formally notifying all persons and furnishers that these debts resulted from identity theft. Under Section 615 ( f ), no person shall sell, transfer for consideration, or place for collection any debt that has resulted from identity theft. This applies to all collectors and furnishers listed in this report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : I demand that all consumer reporting agencies BLOCK the reporting of the accounts listed below within 4 business days.

FCRA 611 ( 15 U.S.C. 1681i ) : Any failure to block these items constitutes a failure to maintain reasonable procedures. Because this information is criminal in nature and unverified, it must be permanently deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I was informed that my dispute for an unauthorized XXXX dollar XXXX  advance was denied. This XXXX advance was created during an account takeover after my phone was stolen. I did not authorize this loan and did not apply for it. 

I reported the unauthorized transaction promptly and provided evidence supporting that my account was compromised. Despite this, Chime denied the dispute without providing a clear written explanation of what evidence was used to reach that decision. 

I contacted Chime to request a reinvestigation and a written explanation for the denial. I also requested identification of the evidence used to deny my claim. Chime did not provide this information. 

This loan was created without my consent during fraud and should not be treated as an authorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express says that the payments were not paid on time and that the interest was charged for each day that the payment was late. I believe the issue is that my spouse was making the payments online the day of or close to the due date but the payment wasn't being fully processed until a few days after, but American Express was charging interest on the days they were processing the payments. Additionally, because my spouse was not the primary account holder and my spouse was paying the balance with her checking account, there were issues with the payment going through. She is an authorized user on my account and she has a card under my account but for some reason she is not permitted to set up autopay with her checking account. I've attached a screenshot where they even suspended the AutoPay feature on our account for some reason. American Express said that XXXX of our options of avoiding the interest fees was to set up autopay but they've actually suspended that feature on our account. 
It's just really strange that we've never held a balance on our American Express card. The bill is paid in full each billing period, but yet, we've paid over {$1900.00} in interest rate fees in XXXX alone. There was XXXX month where a payment was rejected ( b/c of my wife 's checking account ), and we immediately called American Express and asked them to about it. There was some confusion about whether or not it was paid for several weeks but eventually sorted that out, but other than that XXXX time, the balance was always paid in full each billing period. I'm attaching my bank statements from XXXX for reference. 
We only noticed these interest rate charges when we ran our end of the year summary for tax purposes. Since we were paying the full balance each month on or before the due date, we just assumed there was no interest, no penalties. We were completely surprised to see the amount of fees in the report. I've been using credit cards since XXXX, and I've never seen anything like this before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM Are reporting on my credit report that I owe them {$520.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I had someone steal hundreds of dollars from me using my card on a website. I filed a dispute and still waiting. I am unable to send proof of where I contacted the website. Due to cap 1 not giving me a email to send it to. I call about a credit and they just give me the it could take 99 day spill. All along I'm sitting here unable to pay bills and feed my kids because they want to play

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
This is a follow-up complaint regarding MOHELAs response to my prior CFPB complaint about my Navient-originated private student loans ( CFPB reference XXXX. ) MOHELAs response did not address my core concern : I was never clearly informed, in plain language, that the repayment plans I was placed on including lengthy interest-only repayment periods and repeated deferments and forbearances with capitalization would result in negative amortization, meaning my payments would not reduce principal and my total balance could grow. 

I borrowed approximately {$29000.00} across these private student loans. I have paid over {$60000.00}. Despite this, MOHELA states I still owe approximately {$32000.00} more than the amount originally borrowed. MOHELAs response explains how interest accrues and capitalizes under a contract, but does not provide any documentation showing that I was warned that this outcome could occur or that a reasonable borrower would knowingly agree to it. 

I was guided into interest-only repayment plans and hardship forbearances that caused interest to repeatedly capitalize and inflate my balances. At no point was I told that these plans would prevent me from paying down principal or that they could cause my debt to increase despite years of payments. 

MOHELA has not produced any evidence that I received clear, plain-language disclosures about this risk. Simply stating that the contract permits capitalization does not resolve whether the servicing and disclosures were unfair or misleading given the extreme and disproportionate outcome.

I am requesting that MOHELA either ( 1 ) provide documentation showing I was clearly informed that my repayment plans would result in negative amortization and potentially cause me to repay more than double the amount borrowed, or ( 2 ) provide a meaningful account adjustment to correct the harm caused by undisclosed negative amortization and repeated capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
I am disputing the accuracy and validity of a collection account being reported on my credit file. 

I made multiple good-faith attempts to cancel my gym membership at XXXX XXXX prior to the billing date of XX/XX/XXXX, but the gym was unreachable and provided no response. Despite these documented pre-billing cancellation attempts, the account was billed and later sent to collections. 

Before XX/XX/XXXX : I made repeated phone calls to the gym location to cancel my membership. I have call records showing these attempts. No calls were answered, and no return contact or voicemail option was provided. 

After XX/XX/XXXX : I received a message stating that my account was due. 
XX/XX/XXXX : I sent a written cancellation email. 

XX/XX/XXXX : I sent a second written cancellation email after receiving no response. 

XX/XX/XXXX : I was informed by XXXX major credit bureaus ( XXXX ) XXXX my credit report now includes an account that is in collection status worth around {$200.00}. 

XXXX XXXX : I forwarded the cancellation email to XXXX XXXX again and I received a call a few hours later from the XXXX XXXX XXXXXXXX ( XXXX XXXX and the collection agency that my XX/XX/XXXX email was received by the gym ; however, no response was ever provided because it was under a different management that was irresponsible and there is nothing they can do at this point. 

Despite these good-faith attempts to cancel, the account was sent to collections and is now being reported as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MD

Complaint narrative:
I mailed a physical copy of the dispute letter to them at the end of XXXX XXXX. I also emailed to XXXX on XX/XX/XXXX. However, American Coradius International LLC has never responded. I am a victim of mistaken identity ; I have never lived at a XXXX XXXX XXXX. I am filing this to ensure my dispute is recorded before the XX/XX/XXXX deadline and to prevent unauthorized reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the account listed below on my credit report. This letter serves as a request for validation and verification of this debt pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

After reviewing my credit report, I have reason to believe this account is inaccurate, incomplete, and/or unverifiable. I am requesting that you conduct a reasonable investigation and provide competent evidence that this account is being reported correctly. 

Please provide the following : Verification that this debt belongs to me Documentation showing the original creditor and complete payment history Proof that the furnisher has the legal authority to report this account The method of verification used to confirm the accuracy of this account Please note that under the Fair Credit Reporting Act, you are required to complete your investigation within 30 days of receipt of this dispute and notify me in writing of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
On XX/XX/year> i contacted Prosper via phone at XXXX EST and spoke with a representative named XXXX XXXX I indicated to XXXX that as of today, my employer has made a significant reduction in my income from {$120000.00} to {$65000.00} effective the next paycheck, due to my Employer 's Financial constraints and that this came with no warning until today. I asked and inquired about potential forbearance options such as a {$0.00} payment for 3 months or longer, moving those months to the end of the loan period, interest only payments or other temporary economic hardship options.I was told that there is nothing that can be done, i have to stop paying it and that it needs to go to collections before they would even think about any payment plan or settlement options and that i should have read my contract. Extremely Rude. I asked for a supervisor, who did not speak the best of XXXX and did not disclose her name and she informed me of the same, saying that once i default at 30 days then there will be options available and I may not even be approved for them, but i have to default first and have a 30 day late reporting to the credit bureaus before anything can occur. 

When i expressed that this option does not help at all and basically they'd rather me default than to help someone who A ) Has good credit B ) Has paid their loan on time and has been current for XXXX months C ) Has been impacted by a salary reduction of $ XXXX, i was met with the following " I should get another job, I should find a roommate to rent a room out of my house ''. That is disrespectful and rude. I am XXXX XXXX XXXX, and i do not need to " get another job, or find a roommate ''. I told her with an obsenity that that's XXXXXXXX XXXX XXXX ridiculous and that i can't believe that they would rather someone default than XXXXXXXX XXXX XXXX help. She then became loud and agressive, often raising her voice at several parts. She left me with NO option other than to possibly default this loan, letting it go to collections, and then they may be able to help, but they wouldn't know if i would then be eligible.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account was closed XX/XX/year>. It is currently 30 days past due. My remaining balance of over {$700.00} dollars has not been returned. I have not been given a clear timeline or confirmantion of when my funds will be released. I am requesting immediate return of my remaining balance and written confirmation of the delivery method.

Company response to consumer: Closed with explanation