vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding HSBCs closure of my credit card account, confiscation of XXXX rewards points, failure to honor a pending points transfer, and refusal to refund the annual fee. I opened an HSBC XXXX Credit Card account and had XXXX rewards points. About one month after opening the account, I initiated a transfer of XXXX points to XXXX XXXX. The transfer showed as pending. A few hours later, HSBC closed my account. Afterward, I received a letter dated XX/XX/year> stating that HSBC had determined the account to be in default for Misuse. The letter lists broad examples such as selling items obtained through points, repeatedly opening cards for the purpose of acquiring points, manufacturing spend, or using the account other than for personal, family, or household purposes. However, HSBC did not identify which specific allegation applies to me, what specific conduct they rely on, or which specific transaction ( s ) they believe violated the agreement. HSBC then confiscated the XXXX points and did not complete the transfer to XXXX XXXX. The letter also does not explain what happened to the pending transfer, whether it was sent, reversed, or rejected, or why points that had already been submitted for transfer were taken back. In addition, HSBC has refused to refund the annual fee. My concern is that HSBC used a vague accusation of misuse without providing the specific factual basis needed for me to understand or respond to the allegation. If HSBC is taking the position that I violated the agreement, it should be required to identify the exact provision, the exact activity, and the exact transactions supporting that conclusion. To resolve this matter, I am requesting that HSBC : Identify the exact term or rule they claim I violated ; Identify the exact transaction ( s ) or conduct they relied upon ; Explain what happened to the pending XXXX Skywards transfer ; Restore the XXXX points, complete the transfer, or provide an equivalent cash remedy ; and Refund the annual fee of {$490.00}. I believe HSBCs conduct is unfair because they accepted the transfer request, placed it in pending status, then closed the account and confiscated the points while providing only a broad and non-specific accusation rather than a clear factual explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, Bank of America placed a fraud hold on a deposit into my account. The claim is still stuck on step two of three after several days. I called the fraud department to escalate to a supervisor and the representative hung up on me. They have only returned XXXX XXXX so far and have not restored the rest of the funds. I need the full amount released immediately.

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 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
This complaint concerns a defective and unlawful sale of repossessed collateral that occurred while I was actively attempting to redeem my vehicle, resulting in avoidable financial harm and the deprivation of my statutory rights. I was in active communication with Credit Acceptance Corporation prior to and on the day my vehicle was sold, making repeated efforts to resolve the account and retrieve the vehicle. On XX/XX/2026 at approximately XXXX XXXX, I contacted the company regarding my vehicle and resolution options. I followed up again on XX/XX/2026 at XXXX XXXX and again at XXXX XXXX, continuing my efforts under the understanding that the vehicle remained available for recovery. On XX/XX/2026 at approximately XXXX XXXX, while I was in transit to retrieve my vehicle, I was informed that the vehicle had already been sold. During that same interaction, I was told by the associate that there is nothing you can do. At no point during my communications that day was I informed that the vehicle was scheduled for sale or had already been sold prior to that moment. This deprived me of any meaningful opportunity to exercise my right to redeem the collateral. Following this, I was contacted by Credit Acceptances legal office, where a representative asserted or implied that no deception or wrongdoing had occurred. This conclusion was made despite the fact that no full investigation had been completed. As a consumer who has experienced direct financial harm, this premature conclusion demonstrates a lack of objective review and raises concerns about bias in their handling of my case. As a direct result of these actions, I have incurred financial harm. I have been forced to rely on XXXX for transportation, with verified expenses of {$460.00} between XX/XX/XXXX and XX/XX/XXXX, and I am now required to rent a vehicle for an additional two weeks. These costs were entirely avoidable had proper notice been given and my redemption rights preserved. Credit Acceptances actions reflect a failure to provide proper notice as required under UCC Article 9 ( Tenn. Code Ann . 47-9-611614 ), a denial of my right to redeem the vehicle prior to sale, and conduct that appears commercially unreasonable. Additionally, their actions constitute unfair, deceptive, and abusive practices by failing to communicate accurately, interfering with my ability to exercise my rights, and dismissing my concerns without a completed investigation. Call logs and supporting documentation are available upon request.

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 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX XXXX DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXXXXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX, DEPT OF EDUCATION/NELN - XXXX , DEPT OF EDUCATION/NELN - XXXX, which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
Apply for a card called milestone through XXXX XXXX was told that I was gon na have a {$75.00} annual fee and then {$99.00} after yearly when I applied for the card they charge me {$250.00} for the annual fee which was very miscellaneous and deceptive when I originally applied for the card the terms were different They act well way higher than advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as JEFFCAPSYS - XXXX, JEFFERSON CAPITAL SYST - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: NY

Complaint narrative:
American Express has denied my chargeback dispute twice for {$4300.00} despite my submission of a XXXX Proof of Delivery document issued by the carrier itself confirming the package was delivered to an address other than mine. I never received the item. The seller can not produce proof of delivery to my correct address. American Express has failed to conduct a reasonable investigation as required under the Fair Credit Billing Act. I am requesting CFPB intervention and reversal of this charge.. I have attached the proof of delivery to the WRONG ADDRESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Applied XX/XX/XXXX Intent to proceed XX/XX/XXXX Tax return submission XXXX and XXXX tax on XX/XX/XXXX Bank statements XX/XX/XXXX Homeowner insurance- XX/XX/XXXX Advance fee XXXX ( {$500.00} submitted ) Conditional approval letter - XX/XX/XXXX Included {$18000.00} payoff car loan Conditions listed : property appraisal Title search Insurance confirmation Close date on approval letter listed : XX/XX/XXXX Appraisal doc - XX/XX/XXXX XX/XX/XXXX Confirmed with rocket appraisal was satisfactory - rocket confirmed no issue New debt disclosure - XX/XX/XXXX ( no new debt ) Denial XX/XX/XXXX was denied due to XXXX XXXX was the only stated reason verbally Denial letter stated XXXX and low appraisal as determining factor - appraisal was inaccurate - shows XXXX bath - the property is a XXXX bathroom Shows XXXX car garage - property is a XXXX car garage Low mortgage request and confirmation from rocket that it satisfied the value for my mortgage amount requested. In order to keep the process on track for XX/XX/XXXX no action deemed necessary. I stayed in contact with rocket multiple times to confirm everything was on track and looked good to close on XX/XX/XXXX. Rocket confirmed multiple times that everything good. They confirmed the the appraisal was good enough for the loan requested. Escalated to higher level on XX/XX/XXXX. XX/XX/XXXX recieved info that closing docs were trying to get out for review in order to close early following week ( XXXX ) XX/XX/XXXX denial during to DTI phone call received Due to rockets negligence and innacuracy in due process, along with providing me information that was not true regarding their timeliness on title search. This application was not handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as CARTER-YOUNG INC XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I sent {$50.00} through Cash App for a promised post-concert meet and greet with XXXX XXXX. After payment was collected from fans, we were told to wait in the meet and greet area at the venue. After an extended delay, we were informed that we had to leave and check our email for a different, offsite studio location. This material change was not disclosed before payment and was inconsistent with what was promised when the funds were collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am filing this complaint against CREDIT COLL for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This agency is actively reporting a derogatory collection account on my credit profile ( Account # XXXXXXXX XXXX / Original Creditor : XXXX ) for an alleged debt of {$150.00}. I have formally mailed a debt validation request to this agency pursuant to 15 U.S.C. 1692g and Regulation F ( 12 CFR 1006.34 ), demanding competent legal documentation, including the original signed contract and a detailed itemization of the balance. To date, they have failed to provide the legally required validation to substantiate their claim. Despite this lack of verification, they continue to report this unverified account to the credit bureaus, damaging my financial reputation. Reporting unverified information after a formal validation request is a direct violation of 15 U.S.C. 1681s-2.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I am filing this complaint because a collection agency is attempting to collect a debt that I legally do not owe, and they have falsely reported this invalid debt to the credit reporting agencies, which has damaged my credit score. Here are the facts of the situation : 1. I moved out of my former apartment due to the constructive eviction prior to the end of my lease. Initially, I was informed I would be responsible for the remaining rent by the management team. 2. However, the apartment management quickly secured a new tenant for the unit. As a result, my liability for the remaining rent was officially waived. 3. I have the official " Final Move-Out Statement '' issued by the apartment management on [ XX/XX/year> ]. This document explicitly confirms that I am not responsible for the remaining rent and shows no balance owed for those charges. 4. Despite this written proof, the apartment management erroneously sent a debt amount of approximately [ {$4700.00} ] to a collection agency due to an internal error. 5. The collection agency have reported this inaccurate information to the credit bureaus, causing a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I did an accidental chargeback theyre holding XXXX dollars I owe them maybe XXXX its been over 30 days only getting so responses acting like theyre working on it like theres anything to XXXX work on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank froze my checking account due to some unspecified reason. Upon calling them more than XXXX times to unfreeze my funds, they were vague and unmotivated to assist. It has been over XXXX years, and the funds are still trapped in that account. The current amount is just under {$700.00} in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as CREDENCE RESOURCE XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 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: ID

Complaint narrative:
I was waiting for my neighbor to pay me for mowing his lawn and my account randomly got locked with XXXX $ of my money stuck in my Venmo account, I have not done anything suspicious on the account, and this seems to be for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On my Citibank credit card ending in XXXX, I had a XXXX XXXX plan that had been active for about XXXX years. XXXX months ago, Citibank sent me an offer for a balance transfer. I accepted the offer, and they deposited {$10000.00} into my account. The following month, the Citibank app incorrectly treated the balance transfer as a purchase and automatically paid off the entire amount because my settings were configured to pay the XXXX XXXX amount plus any new purchases. As a result, my XXXX XXXX plan was removed, and the remaining balance was moved to a 17 % interest rate. I contacted Citibank through chat and even escalated to a supervisor, but all they would say is that the amount was refunded to purchases. I explained that I did not make any purchases on that card and that my XXXX XXXX should be reinstated. use 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 explanation
Consumer complaint received 2026-04-12 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: TX

Complaint narrative:
On XX/XX/year>, I disputed the above-referenced account with XXXX Funding demanding they provide me with contact and identification verification used at the time of this transaction a signed contract between myself and the company used during the transaction, or any other relevant information to legally support the {$2400.00} debt they claim I owe them. Even though the company has failed to provide me with any of the information requested in the initial dispute, they continue to report negative remarks on my credit profile that is affecting my livelihood. On XX/XX/year>, LVNV Funding reported a " late payment '' to my credit profile that dropped my score tremendously. This negative activity has significantly affected my personal and professional life. To date, LVNV Funding is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with LVNV Funding the issue has not been resolved. This company has failed to respond adequately and continues to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these two entities are using deceptive means to collect a debt, which is also unlawful. As a result of this issue, I have suffered the following harm ( s ) : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and job opportunities Homelessness

Company response to consumer: Closed with non-monetary relief