vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express received my Formal Notice of Dispute on XX/XX/year>, sent via Certified Mail and confirmed by a XXXX signed return receipt ( included in my uploaded document ). In that dispute, I requested legally required validation under FCRA, TILA, and FCBA, including : Proof of mailing or delivery of billing statements ( postal logs or digital traceability ) required under 15 U.S.C. 1666b ( a ). Proof that billing statements complied with 15 U.S.C. 1637 ( b ). A copy of the negative information notice required under 15 U.S.C. 1681s2 ( a ) ( 7 ). Documentation supporting the ChargeOff classification and delinquency dates. A copy of the original signed application or contract establishing liability. Any records used to verify the information furnished to XXXX XXXX XXXX XXXX I provided AMEX with a 15day deadline to respond. AMEX did not respond within the required timeframe and provided none of the requested documentation. This failure violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681s2 ( b ), and Regulation V 12 C.F.R. 1022.43. AMEX previously admitted in writing that they can not provide the original application, meaning they can not legally verify or furnish any information about this account. The alleged debt was also the subject of XXXX XXXX. XXXX, which was dismissed by the Superior Court of New Jersey. Reporting a ChargeOff after a judicial dismissal is inaccurate and misleading. My uploaded document includes Exhibits sh owing : Contradictory balances and pastdue amounts across all three bureaus Mathematically impossible data ( minimum payments, balances, and dates ) Fabricated ledger information APR miscalculations and systemic accounting errors Conflicting reporting between XXXX XXXX XXXX XXXX Because AMEX failed to validate, failed to respond, destroyed the contract, and continues to furnish contradictory and fabricated information, the account is legally unverifiable under 15 U.S.C. 1681e ( b ) and 1681i. I am requesting that the CFPB require AMEX to permanently delete the entire tradeline from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In late XXXX, I became a victim of identity theft. Unauthorized charges were made to an XXXX XXXX account ( XXXX XXXXXXXX XXXX XXXX. I did not authorize these transactions and previously notified the original creditor of the fraud at that time. The account was later sold to a debt buyer. On XX/XX/year>, I received a Credit & Identity Alert via XXXX showing a new derogatory account reported by LVNV Funding LLC ( serviced by Resurgent Capital Services ) with a balance of {$8600.00} consisting entirely of fraudulent charges, interest, and fees from the period of the theft. I have an official FTC Identity Theft Report on file ( filed XX/XX/year> ). Under the Fair Credit Reporting Act ( FCRA 605B ), upon receiving a valid FTC Identity Theft Report, credit bureaus and furnishers are required to block fraudulent information within 4 business days. Actions I have taken : Filed an official FTC Identity Theft Report in XX/XX/year> Sent a formal written dispute and cease collection demand via email to Resurgent Capital Services on XX/XX/year>, including the FTC report as supporting documentation Disputed the account directly with XXXX What I am requesting : Immediate removal of this fraudulent derogatory account from all three credit bureaus Confirmation that all collection activity on this account has ceased Written confirmation that the account has been flagged as identity theft fraud This debt is not mine. It is the result of identity theft and should not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULANT ACCOUNTS FROM MY CREDIT REPORTS

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 2026-05-14 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased a pre-owned XXXX from XXXX for {$4800.00}. The item arrived damaged, so I initiated a return using the merchant-provided prepaid return label included in the shipment. XXXX XXXX Amex Dispute Reference Number : XXXX Amex Account Ending : XXXX XXXX Order number : XXXX Return details : Carrier : XXXX Tracking number : XXXX Package drop-off : ( XX/XX/year> ) XXXX status : Carrier acceptance scan completed ( XX/XX/year> ) XXXX outcome : Package later declared lost in transit XXXX claim : Formal loss claim opened and issued to the sender ( XXXX ) I dropped the package off at XXXX and received a physical drop-off receipt, and XXXX tracking confirms carrier possession. After acceptance, the shipment went missing in transit and is now under an active XXXX claims process. Despite this, American Express denied my dispute on the basis that the merchant did not receive the item. I complied fully with all return instructions provided by the merchant, used their return label, and transferred custody of the item to the carrier. The loss occurred after carrier acceptance and while in transit under XXXX control, outside of my possession or control. I am requesting a full review and reconsideration, as I fulfilled all return obligations and the item was lost after proper handoff to the shipping carrier, which has formally opened a claim acknowledging liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: CA

Complaint narrative:
PLEASE REMOVE FRAUDULANT ACCOUNTS FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding USAA Federal Savings Banks handling of my transaction dispute, which I believe was not properly investigated. On XX/XX/XXXX, I was charged {$460.00} and on XX/XX/XXXX, I was charged XXXX by XXXX XXXX XXXX for a XXXX XXXX flight that included paid seat selection/upgrades. I did not receive the specific seats I selected and paid for, as the airline changed my seating without my consent. On XX/XX/XXXX, I filed a dispute with USAA on the basis that I paid for a service that was not provided. My claim is not that the transaction was unauthorized, but that the services purchased were not fulfilled. On XX/XX/XXXX, USAA denied my dispute, stating that no error occurred because the debit was processed correctly. This response failed to address the actual nature of my dispute, which is a services not rendered claim. The investigation appears to have been limited to confirming that the charge was processed, rather than determining whether the service I paid for was delivered. USAA did not require XXXX XXXX or XXXX XXXX XXXX to provide proof that the specific seats I originally selected and paid more per ticket for were provided to me. Instead, the burden was placed entirely on me as the consumer.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
I am still quite disappointed that the XXXX location would not refund {$9000.00}. To our acct from an ach transaction listed XXXX XXXX. You state that per NACHA rules we had 2 days to contest the transaction. I guess if youre in the XXXX or out of the country its still too bad? While I understand it was a federal regulations, I do not understand that your location could not and would not give provisional credit. Does your bank not look at case by case to determine the status of your customer? We have banked at this location since the original bank was opened in XXXX. This acct was opened in XXXX. We have always maintained good Accts. I have to wonder if your actions were due to the fact that I was an original employee of the bank and the president or regional manager of the bank had issues with me that I was not aware of? I would think that a Bank of your size and stature could have refunded the {$9000.00}. Especially since I didnt even question the XXXX and {$5600.00} that I accepted as my responsibility. I must say, I dont know why anyone would bank with First Horizon of XXXX XXXX Ar

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am filing this report and affidavit regarding a fraudulent checking account appearing on my Chex System Consumer Report which I do not recognize which is a result of identity theft and fraud. This fraudulent checking account was opened at XXXX XXXX XXXX XXXX with account number XXXX. This is reporting on my Chex System Consumer Report # XXXX. This account was not opened by me. I demand this account be removed from my Chex System report pursuant to my rights within the FCRA and FCCPA Laws.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am disputing TransWorld Systems Inc.s reporting and collection activity regarding an alleged XXXX XXXX account that I do not recognize and never authorized. I never opened or used XXXX XXXX service, and I have serious concerns regarding the accuracy and legitimacy of this alleged debt. Following the known XXXX data breach where my personal information may have been exposed, I reviewed my consumer reports and identified this collection account appearing without my authorization or knowledge. To date, I have not been provided sufficient documentation verifying that I opened or authorized this account, including a signed agreement, application records, device information, identity verification records, complete billing history, or documentation establishing lawful collection authority. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, TransWorld Systems Inc. is required to furnish only information that can be fully verified as accurate and complete. If this alleged account can not be fully validated with competent consumer-specific documentation, the collection tradeline must be deleted immediately from all consumer reporting agencies. I am requesting : * A full investigation * Copies of all documentation relied upon * Immediate deletion of the collection tradeline * Confirmation that all consumer reporting agencies have been updated accordingly This complaint is submitted to preserve my rights under 15 U.S.C. 1681e ( b ), 1681i, 1681c-2, and applicable FDCPA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
Citizens Bank XXXX XXXX XXXX & XXXX Checking Accts XX/XX/year>. They stated they put the accts under review and that i would receive a letter within XXXX business days with a decision on if they are closing the account or not. I got the letter in which stated the same thing they told me the on the phone. I called in to customers service numerous times since XX/XX/year>. They stated the review would end XX/XX/year>, that date came and went they pushed the review to XX/XX/year>, that date came and went, then they pushed it to XX/XX/year> that day came and went and now it pushed to XX/XX/year>. They continuously push these dates back without giving an explanation for why nor have they given an explanation for why it was even frozen in the first place. I expressed to numerous Reps that these actions have put me in a huge financial bond. I currently at risk of being evicted. i am an owner operator of a trucking company and my truck is broken down and i can't afford to get it out. This situation is creating a huge crisis. My person acct has about {$300.00} frozen, my business acct has about {$6600.00} dollar frozen. with those funds release i could avoid eviction and get my truck out the shop and continue making my earning for a living. I have eviction notice and numerous bills that's pasted due that i can send over for proof. I am a single father ; that's at risk of being out on the streets with his XXXX daughter. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I have been working with XXXX XXXXMidFirst Bank regarding FHA mortgage assistance because the payment being offered through the FHA Trial Modification and Partial Claim Combo is not affordable for my household financial circumstances. I have submitted multiple reconsideration requests and escalation attempts explaining that I can not truthfully sign the affordability attestation for a monthly payment exceeding {$4400.00}. Despite this, I continue receiving the same automated modification offer and repeated requests to sign the attestation instead of receiving a meaningful affordability review. I have requested review for all available FHA home retention options that may provide a sustainable and affordable monthly payment. However, I continue receiving automated responses without explanation as to why the affordability concerns I raised are not being addressed. I am attempting to retain my home and cooperate fully with the process. I am requesting a manual affordability review by a live specialist and confirmation that all available FHA retention options are being properly evaluated.

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 2026-05-14 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: GA

Complaint narrative:
Im asking that case number XXXX be reopened. I dispute the conclusion of your investigation and request further escalation and technical review. Your response confirms that the XXXX wallet address was issued by PayPal. The XXXX transaction was successfully delivered on-chain to that PayPal-issued address XXXX Therefore, the assets were not lost on the blockchain or sent to an invalid address. XXXX on XXXX is a standard XXXX XXXX and custodial wallet providers commonly retain the ability to access unsupported XXXX XXXXssets associated with wallet addresses they issue and manage. Your response simultaneously states that PayPal issued the wallet address while also claiming PayPal does not control the private key. Please provide a clear technical explanation reconciling these statements. Specifically, I request : Confirmation whether the destination address was part of PayPals custodial wallet infrastructure. Confirmation whether PayPal or any third-party custodian associated with PayPal controls or has access to the private keys for that address. Confirmation whether a manual recovery review or token sweep procedure was evaluated by your crypto operations team. The specific technical reason recovery is allegedly impossible, rather than merely unsupported by policy. Unsupported deposits are often recoverable through manual intervention, even if not automatically credited. Since the transaction remains visible on-chain at the PayPal-issued address , I am requesting escalation to a higher-level crypto operations or executive escalations team for additional review. Please preserve all logs, wallet assignment records, blockchain transaction records, and custody records related to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I used XXXXXXXX XXXX XXXX XXXX to purchase digital goods from a merchant. XXXX charges an additional fee for Goods and Services transactions while advertising enhanced purchase protection and safer transactions for consumers. Immediately after receiving payment, the merchant stopped responding to all communications and failed to deliver the purchased digital goods. I attempted to resolve the matter directly with the merchant but received no response. On XX/XX/year>, I filed a dispute with XXXX for non-delivery of goods. I provided evidence showing that payment was made, the seller ceased communication immediately afterward, and the goods were never delivered. On XX/XX/year>XXXX XXXX denied my claim, stating that digital goods and services are not covered under their purchase protection plan. I believe XXXXXXXX XXXX XXXX XXXX protections are misleading to consumers. XXXX charges users a fee specifically for added transaction protection and promotes these payments as safer, yet excludes entire categories of transactions such as digital goods after the fact. Consumers are not adequately warned that paying the additional fee still may provide no meaningful protection against fraud or non-delivery. In this case, I paid extra specifically to avoid being scammed and to have recourse if the seller failed to deliver. Despite clear evidence of non-delivery and fraudulent behavior by the merchant, XXXX denied the claim and retained the transaction fee. I am requesting that XXXX reimburse the transaction amount and that regulators review whether XXXX marketing and disclosure practices regarding purchase protection are deceptive or unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a court order from Portfolio Recovery Associates. I informed the courts that I only receive Social Security benefits. I still received a default judgement against me and XXXX XXXX from the third party Portfolio Recovery Associates was able to freeze accounts that dont even belong to me I am just listed on them. XXXX account is my daughters who is a minor. I informed XXXX XXXX that I only receive Social Security benefits. He is from a third party. He works at the XXXX XXXX in XXXX Texas. I do not originally owe the debt to his company. He was not able to freeze my main account for that reason of me being on social security. He still told me that he would not have my accounts unfrozen until I set up a payment plan. I signed an agreement under emotional duress but like I said I only get XXXX income and that covers my living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: OR

Complaint narrative:
On XX/XX/year>, I called regarding my account and made a payment arrangement in good faith. At the time, I was hoping either family would be able to help me financially or that a check I was expecting would post to my account before the scheduled payment date. However, on XX/XX/year>, I found out that my entire bank account had been shut down due to fraud concerns. My bank stopped all transactions and payments on the account and informed me they were mailing me the remaining balance by check. Because the account was closed and all activity was frozen, the payment that had been scheduled for XX/XX/year> would not have gone through regardless. In addition to this situation, I have also been dealing with ongoing issues involving unpaid back wages from a former employer, and I have been going back and forth with him for months trying to recover money owed to me. I explained all of this to American Credit Acceptance and even offered to provide proof that my bank account had been closed and that my funds were being mailed to me. I asked if they could temporarily place the repossession on hold until I received the check, but I was repeatedly told there was nothing they could do and that they would not work with me on the matter. I am about to have a child and start a family, and losing my vehicle due to circumstances outside of my control would create a serious hardship for me at this time. I was not attempting to avoid payment or act dishonestly. I made the arrangement with every intention of paying, but unexpected financial and banking issues prevented the payment from being processed. I even have a phone call I recorded from them

Company response to consumer: Closed with explanation