vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Subject : Request to Escalate Existing CFPB Complaint Claim No. XXXX This submission is a follow-up and request to escalate my existing CFPB complaint, Claim No. XXXX. 

In connection with this complaint, Hyundai Capital America ( XXXX ) previously stated in writing that a representative would contact me directly to provide clarification and instructions regarding my settlement amount and payment plan. However, despite this assurance, I have not received any phone call, email, or written communication. 

As of today, there has been no follow-up from XXXX or the involved collection agencies, and my account remains unresolved. Prior payments totaling {$1200.00} made under the agreed settlement have still not been properly addressed by the current servicing entity.

Because the company committed to direct contact and failed to do so, I am requesting that this matter be formally escalated and treated as an active claim involving failure to communicate, misrepresentation, and unfair debt collection practices.

I respectfully request : - Immediate written confirmation of my settlement amount and payment plan ; - Confirmation that all prior payments have been properly credited ; - Written clarification identifying the current authorized account holder/servicer ; and - Direct contact from an authorized representative without further delay.

Thank you for your attention to this ongoing matter. Please let me know if any additional information is required.

Sincerely,

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 2026-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My CD was up for renewal. I called on Monday, XX/XX/XXXX, during the renewal grace period to renew it, like I have done in the past. They refused to do it unless I accepted a text on my phone. I explained to them I no longer use that phone. I use their RSA identification Device, because of the {$400.00} in phone bills I accrued having to sit on hold and argue with them for hours, during the last time Wells Fargo did me wrong. Please see my previous complaint from last year. 

Two days later, I responded to their corporate executive complaint department Email and made several calls, each ending with me being totally frustrated and beside myself. I explained that I am working out of the country and please expedite the phone call, but the lady just kept talking slower, with more and more useless rhetoric. It's like she was reading off of a script. XXXX minutes later the CD wasn't renewed. Finally the said I am no longer in the grace period, and I would have to close the CD early and accrue a 3 month interest penalty on a 3 month CD. I understand there to only be a 30 day interest penalty on a CD 90 days or less. They lied to me, tried to manipulate the situation, and didn't give me acess to my funds. Please do something about this bank. They think that they can treat consumers and customers how they want. Look how many class action lawsuits they have lost in recent years.

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 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: American Debt Consolidation
State: TN

Complaint narrative:
I obtained enough money to pay off all of my accounts with American debt XXXX. I was told on the phone by a representative that my last deposit of XXXX on XX/XX/year> would take care of all of my accounts with them and I would be free and clear but it is still not reflected. In the past 2 weeks, I have deposited XXXX. That was enough to pay their fees as well as my settlements.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: IL

Complaint narrative:
I received an email from Netspend on XX/XX/year>. Stating there was a problem with my account. It went further to say it was resolved. On XX/XX/year> I received an email stating my over draft was over thirty days and it caused my over draft protection to be removed. For three consecutive months it was over drawn longer than thirty days. This was not true. They also charged XXXX dollars over draft fees for- over draft under XXXX dollars. They are not supposed to charge these fees for charges XXXX and under! Netspend representative refused to help me. They also kept hanging up and would not transfer my call to a manager! They also wouldnt explain what the issue was with my account.

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 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In 2022, while I was renting a house, my personal identifying documents were stolen from the residence. The stolen items included my Social Security card and my birth certificate. 
After the theft, I began receiving notices of accounts and credit activity that I did not apply for or authorize. I believe my personal information was used without my consent to open these accounts. 
I then checked my credit wise and seen my ssn and email was compromised in 2022 as i included in the documents showing that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In 2022, while I was renting a house, my personal identifying documents were stolen from the residence. The stolen items included my Social Security card and my birth certificate. 
After the theft, I began receiving notices of accounts and credit activity that I did not apply for or authorize. I believe my personal information was used without my consent to open these accounts. 
I then checked my credit wise and seen my ssn and email was compromised in 2022 as i included in the documents showing that

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 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting to follow up on my previous dispute regarding the inaccuracies and misleading information reported on my credit file, specifically related to the accounts XXXX  ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). As outlined in my initial dispute, these accounts have been inaccurately reported with late payments, misrepresented statuses, and incorrect dates that do not reflect my actual payment history. Despite my previous communication, these inaccuracies remain unresolved and are continuing to have a negative impact on my creditworthiness, financial opportunities, and overall well-being. The erroneous reporting on these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S. Code 1666 ( Correction of Billing Errors ), 15 U.S. Code 1681i ( Dispute Inaccurate Information with Credit Bureaus ), and 15 U.S.C. 1681s-2 ( Furnishers Duty to Investigate ). I have provided ample documentation proving that my payments for all relevant months were made on time and in full, yet these accounts continue to reflect false delinquencies, which are causing significant damage to my credit profile and hindering my ability to secure fair financial products. I kindly request your immediate assistance in ensuring that the credit bureaus and the respective creditors fully investigate these discrepancies, verify the information, and update my credit report to accurately reflect my payment history. The continued misreporting of these accounts is not only a violation of my rights under the FCRA but also has far-reaching consequences on my ability to access credit, loans, and other financial services under fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Chime XXXX XXXX failure to properly assist me after I proactively contacted support for help with my account, which ultimately resulted in my account being closed and/or inaccurately reported. 

Chime sent me multiple notifications instructing me to correct or bring my XXXX XXXX account back on track. However, at the same time, Chime placed a freeze on my XXXX XXXX card, which made it impossible for me to add funds or take the actions necessary to correct the account as instructed. 

The notifications specifically stated that I needed to contact Chime support to have the freeze removed. I followed these instructions and contacted Chime support on XX/XX/year> to request that the freeze be lifted so I could fund the account and resolve the issue. Despite reaching out in good faith and following Chimes own directions, Chime support failed to unfreeze the account. 
As a result, I was placed in an impossible situation where I was instructed to correct my account but was unable to do so due to a freeze that only Chime could remove. Despite my attempts to resolve the issue before any closure, Chime closed my XXXX XXXX account on XX/XX/XXXX I believe this account closure and any related credit reporting is unfair and inaccurate because I made documented attempts to comply with Chimes instructions and relied on their support to remove the freeze and allow me to correct the account which has negatively impacted my credit. I have documentation showing that I contacted Chime prior to the account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN REPORTED IN ERROR. I HAVE NEVER OWNED, OPENED, OR AUTHORIZED THIS ACCOUNT, AND I HAVE NO AFFILIATION WITH IT WHATSOEVER. THE PRESENCE OF THIS ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND MISLEADING AND DOES NOT REFLECT MY TRUE CREDIT HISTORY. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF THIS ACCOUNT CAN NOT BE VALIDATED AS MINE WITH LEGITIMATE AND COMPLETE DOCUMENTATION, IT MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: CO

Complaint narrative:
I have ample evidence of " Theft by Deception '' fraud of almost {$7000.00}. And provided my bank " Revolut '' text message with scam artist admitting he took my money, the transfers them selves had detailed info stating it was for my vehicle, police report and lots of there concrete evidence. And they are not taking my fraud report seriously and have denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: FL

Complaint narrative:
On XX/XX/XXXX, my verified PayPal account of 8+ years was permanently deactivated ( Ref : XXXX ). PayPal placed a mandatory 120-day hold on my balance of {$530.00}, citing only vague 'unusual activity '. 

I am a XXXX XXXX with a great 8-year history no disputes open ( the few i had are closed ) or chargebacks. I have made two formal attempts to resolve this through internal channels : XX/XX/XXXX : A written appeal to the Executive Office, which received no substantive response. 

XX/XX/XXXX : A phone consultation where the agent confirmed a 'final decision ' but explicitly stated PayPal has 'no more information ' to provide regarding the cause of the deactivation.

This lack of transparency and the arbitrary withholding of {$530.00} without a specific policy violation or documented financial liability constitutes an unfair and deceptive trade practice. I have already involved the Florida XXXX XXXX XXXX XXXX ( Complaint # XXXX ) as I believe this action violates state money transmitter statutes and the Electronic Fund Transfer Act ( Reg E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am filing this complaint because Comenity Capital Bank has refused to properly investigate or file disputes for a series of unauthorized transactions posted to my XXXX XXXX XXXX XXXX account from a merchant called XXXX XXXX. 

Despite multiple contacts and escalations, I followed every instruction provided by Comenity : I reviewed all available statements and compiled a full itemized list of disputed transactions. 
I submitted supporting documentation through their Secure Message Center, including screenshots and a written dispute letter. 
I explained that the merchant refused to provide itemized receipts or transaction details when contacted directly. 
I included the exact dates and amounts of each transaction, as well as my attempts to resolve the issue with the merchant. 


Comenity acknowledged receipt of my documentation and escalated my inquiry to a Senior Account Specialist. However, they have since failed to initiate formal disputes or provide any resolution. Instead, they redirected me to call their Account Protection team, despite already having all required information in writing.

This delay and refusal to act violates my rights under the Fair Credit Billing Act. I am requesting that the CFPB require Comenity Capital Bank to : 1. Accept and process my dispute for each unauthorized XXXX XXXX transaction. 
XXXX. Provide a written explanation of their investigation and findings. 
XXXX. Remove any improperly posted charges and associated fees from my account. 


I am attaching my dispute letter, itemized transaction list, and screenshots submitted to Comenity for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - First complaint and awarness of the issue that when you click " REDEEM REWARDS '' and then " TRANFER POINTS '' it then takes you to " Browse Our Partners '', at that point, when you click on any airline, the error message, " We're unable to show this page. Please try again later '' displays. A claim was filed, and they never followed up. 

XX/XX/XXXX - 2nd complaint, ticket # XXXX, same exact issue, unresolved, they then start to blame me for the names not matching in the system, however, after a very long 3 hour, call they realized they are not even able to get to the page where you enter your Airline Rewards number. They issued another ticket and told me to wait 7 days. I requested to speak with tech team or have an email sent with the issues and both are denied. 

XX/XX/XXXX - 3rd complaint, ticket # XXXX, same exact issue, unresolved, they again try to blame me for the names not matching in the system, however, again after a very long call they realized they are not even able to get to the page where you enter your Airline Rewards number as well. I am told to wait it can take up to 7 days. I requested to speak with tech team or have an email sent with the issues and both are denied. 

XX/XX/XXXX - 4th complaint, ticket # XXXX, same exact issue, unresolved, this time I have an agent that knows of the problem from other customer experiences. She tries to reset my account to solve the problem to no avail. It accidentally wipes out all of my milage points. I speak with her supervisor and they offer me 20,000 extra bonus points for my issues and I accept. The points, the transfer of bous points, nor the issue is resolved, however they do give me the XXXX XXXX # XXXX. This is the American Express internal ticket for the system error they have been trying to resolve. They told me to be patient and it will be resolved by the end of XXXX. I requested to speak with tech team or have an email sent with the issues and both are denied. 

I call repeatively, 1-2 times per week checking in on the status of the XXXX XXXX # as well as my own individual claims and until today XX/XX/XXXX, they have not resolved it. I have been given the dates XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX that this will be fixed to no avail. I requested to speak with tech team or have an email sent with the issues and both are denied ever single time. 

As a result, I have not been able to redeem over 200,000 miles and my summer plans have been compromised. I pay a fee of $ XXXX year to utilize these services and the company after being a member since XXXX, refuses to make this right, compensate me accordinly, transfer the bonus points I was promised and resolve the issue. 

Due to this lack of accountability, lack of compensation, lack of responsibility, I am filing a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
This is hereby a legal notification, being of service, hereon, onto you this day of XX/XX/XXXX, as an unofficial party, known as XXXXXXXX XXXX XXXXXXXX ( founding year of XXXX ), XXXX, XXXX XXXX, XXXX XXXX, Indigo ( XXXXXXXX XXXX XXXXXXXX ), Concora Credit Inc., ( XXXX XXXX XXXXXXXX ), this is a legal notification, as a certain Civil Litigation, process, in regard to a certain, cause or matter, financial transaction ; As in fact, a Statement of Claim XXXX, hereon, this day of a XX/XX/XXXX, a certain financial transaction was in fact transacted, and completed, in terms of a certain legal notice of service, issued as a certain Confirmation, XXXX XXXXXXXX, in terms of Credit of {$66.00}, to an official party property, account, known, as an Indigo, ( XXXX XXXX XXXXXXXX ), wherefrom, an unofficial party of a certain XXXX, as a certain credit of {$66.00}, a defunct acct. XXXX, therefrom, there is no further transaction, presently needed, for a Debit, or Credit from any of the so stated, pleaded, above-mentioned, cause or matter as an unofficial parties, property as an account, as in fact a certain, financial institution ( XXXX ). As in fact, a Statement of Claim XXXX, This is hereby a legal notice, notifying you as an official party, hereon this day of XX/XX/XXXX, that a certain, legal action has hereby commenced, in terms of a Civil Litigation process pleading, concerning you as an unofficial party therein the offices of an eFile Illinois as case, XXXX. As in fact, a Statement of Claim XXXX, therefrom, you as an unofficial party must hereby plead, any objections, as attesting, hereto this legal notice cause or matter, as being, True or False, also if this legal notice is accepted or being in fact denied, as an unofficial party, immediately, all within a XXXX XXXX hereafter service of delivery, to you, in terms of a certain failure to plead, it will hereby deem that you are, in Contempt, also refusing to respond, hereto this legal notice, as an unofficial, party, hereto this legal notice, also you must service your plead, hereto myself XXXX XXXX XXXX XXXX email : XXXX.

Company response to consumer: Closed with explanation