vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
I am submitting this complaint regarding an unauthorized, system-generated payment attempt and subsequent credit limit reduction on my American Express Business Cash card . 

I opened the account with a {$25000.00} credit limit and a 0 % APR promotional period, and I immediately enrolled in autopay for minimum payments to remain in good standing. I relied in good faith on the approved credit limit and promotional terms to purchase business inventory. 

On XX/XX/year>, American Express initiated a payment from my bank account that I did not authorize. I did not manually submit this payment, and I did not have sufficient funds in the account to cover it. The payment failed and was later reversed, which American Express representatives have confirmed. 

Shortly after this unauthorized payment attempt, American Express reduced my credit limit from approximately {$25000.00} to approximately {$8000.00}, despite my account being in good standing and minimum payments being made on time as required by the account terms. 

During subsequent calls with American Express Account Services, I was informed that when payment patterns are considered misaligned with balances, a warning notice is normally sent to provide the cardmember an opportunity to address the issue before a credit limit reduction occurs. I did not receive such a notice, and the representative confirmed that the absence of this warning was unusual. 

Because no warning was provided, I was not given an opportunity to adjust my behavior or make additional payments before the credit limit reduction. The reduction significantly increased my minimum payment obligation and created immediate financial hardship that would not exist but for American Expresss actions. 

American Express has acknowledged the unauthorized payment attempt and the lack of a warning notice but has refused to restore the original credit limit or provide interim payment accommodation while the issue is under review. 

I am requesting that American Express correct the procedural error, restore the original approved credit limit or provide appropriate interim relief, and ensure that no negative account consequences result from this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
ive formally reached out to bounce ai informing them that the status of an account they are reporting is incorrect and fraud ive provided all neccessary information and documents me and my consumer attorney also mapped out all violations this third party debt collector ( Bounce Ai inc ) have been committing they have chose to ignore all consumer law violations. I've requested signed contracts showing my wet signature between me and Bounce Ai which haven't been provided. I also demanded bounce ai inc to CEASE & DESIST ALL COMMUNICATIONS WITH ME WHICH INCLUDES REPORTING OF ANY KIND TO MY CONSUMER REPORT but Bounce Ai again willfully furnishes this incorrect/fraud account to my consumer report. Bounce Ai Inc is in violation of 15 United states code 1692 ( c-a ), as well as 15 USC 1681 ( E-B ), As well as 15 USC ( b-1-a ) and also 15 USC 1681 ( b-2 ). Final NOTICE.

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: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was approved for a Barclays Luxury XXXX Card with a {$2000.00} credit limit on XX/XX/year>. I received the card at my mailing address and attempted to activate it immediately. Upon calling customer service, I was informed that there is an alert on my account and that I must resubmit all required documentation. 

This is completely unreasonable and unacceptable. I have already submitted the following documents multiple times via fax, all of which are clear, legible, properly scanned, and not faded or altered : Driver license ( front and back ) Social Security card ( front and back ) Utility bill ( not older than 60 days ) Bank statement These are the same documents I submitted during the original application, which resulted in the card being approved. Despite repeated submissions over more than one month, my card remains inactive and I have received no explanation or resolution. 

Barclays Bank has failed to provide the services promised at the time of approval and has ignored its obligation to allow me access to my approved credit. This repeated delay and refusal to activate my card, despite full compliance on my part, is unreasonable, unacceptable, and may constitute unfair or deceptive practices. 

Additionally, I want to emphasize that my credit bureau profiles should not be negatively affected, and I should not incur any fees, penalties, or account damage as a result of this unjust account suspension. 

I am requesting that Barclays : 1. Immediately activate my approved XXXX Card. 
2. Provide written confirmation that my account is fully active and all alerts preventing activation are removed.

3. Ensure that my credit report is not impacted and that no fees are charged due to the suspension.

I have attached copies of all previously submitted documents as evidence of my compliance. 

I expect a prompt resolution. If this issue is not resolved promptly, I will pursue additional complaints and remedies as allowed under federal consumer protection 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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This submission provides the requested additional information for CFPB Complaint No. XXXX. 

Attached documents confirm current contact information, identify the relevant Wells Fargo account, and establish authority for XXXX XXXX XXXX to act under a valid Power of Attorney on behalf of XXXX XXXX. 

These materials are submitted to assist with accurate identification of the consumer and routing of the complaint. Please confirm receipt and advise if any further information is required. 

Thank you.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

At the time of XXXX, I was XXXX XXXX XXXX XXXX XXXXXXXX. The provider failed to bill XXXX and instead improperly billed me directly during the XXXX public health emergency. 

As a XXXX recipient, I was not legally responsible for this charge, and balance billing is not permitted. I was in labor, under medication, and not in a position to manage third-party medical billing. 

Despite multiple attempts over several years to resolve this billing error directly with XXXX XXXX and through credit bureau disputes, the account was sent to collections and continues to be reported on my credit file. 

This inaccurate reporting has materially harmed me by preventing access to credit and financial products for over XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEGA CAPITAL FUNDING INC.
State: TX

Complaint narrative:
I have a heloc loan that started with XXXX XXXX and sold to Mega finance.ever since Mega has had it and weve tried countless times to tell them XXXX pynts went to XXXX. The reply is not their problem finding the shellpoint payments. I quit making payments to mega because I truly started to believe this was a scam or some kinda fraud action.One day, I talked to XXXX different people and they all gave me a different amount to pay. We have been on the line with these people every month several times trying to get Mega straightened out. No such luck. Then they turn it to the credit bureau and destroyed my credit and ability to conduct my business. We have made XXXX payments and are current. Yet this is what they still have on their website. Nobody should be allowed to conduct financial business as Mega has My Payments Total Amount Due {$3600.00} Current Due XXXX ( already paid ) I even contacted the lady that helped get the loan and she has been on the phone with them as well XXXX 's of time 's XXXX a XXXX. XXXX XXXXXXXX XXXX XXXX sent an email to mega reps telling them to get it right to no avail. Its attatched as well. This has been XXXX of the most bizzare and frustrating situation I have ever been associated with.I hate to even send them any money because of the total incompetence. Thank You.

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: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: US WIDE FINANCIAL
State: MO

Complaint narrative:
Company Name : US Wide Financial Company XXXX ID : XXXX Description of what happened : " I applied for a mortgage loan with US Wide Financial. The lender ordered and charged me for a third-party appraisal fee and an HOA survey fee. Subsequently, the lender denied the loan, citing that the propertys Condo/HOA reserves were insufficient to meet XXXX XXXX and XXXX XXXX guidelines .

This complaint is regarding the Unfair and Deceptive Practice of improper fee sequencing. The lender failed to perform basic due diligence regarding the property 's eligibility before ordering a valuation. The " condo reserve '' issue is a known eligibility barrier that is verifiable via the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) system or a preliminary questionnaire. 

By ordering the appraisal before verifying that the subject property met the minimum collateral requirements for the loan program, US Wide Financial acted negligently. They exposed me, the consumer, to unnecessary financial harm by charging " junk fees '' for a loan that was effectively doomed from the start due to the property 's ineligible statusa status the lender had the tools to verify prior to charging me for an appraisal. 

I am requesting a full refund of the appraisal fee because the service was rendered useless by the lender 's failure to sequence the underwriting steps correctly. This violates the principle of fair dealing by prioritizing revenue/speed over consumer protection. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I was the victim of a fraudulent transaction facilitated through PayPal. I was intentionally misled into sending funds via PayPals Friends & Family option by an individual using a fake business name and stolen identity, including a fraudulent ID.

This transaction was induced through deception and constitutes fraud and identity theft, not an authorized personal transfer. After discovering the fraud, I immediately contacted PayPal and provided supporting details. During a recorded phone call, I was verbally assured that the matter would be addressed. However, PayPal later reversed its position without explanation and has repeatedly refused to assist.

PayPal representatives provide inconsistent information, fail to document calls, and do not retain case notes. Despite clear evidence of identity theft and fraudulent inducement, PayPal continues to deny remediation by citing the Friends & Family designation, which does not negate PayPals responsibility to act in cases of fraud.

PayPal has full knowledge of the recipient account and the ability to investigate and freeze fraudulent activity but has failed to take appropriate action. I am requesting executive-level review, proper investigation, and remediation of this fraudulent transaction. 

This complaint is also being reported to the FTC and the Iowa Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: NM

Complaint narrative:
I made a payment and they stated the monthly payments would be lower. they later informed they can charge any interest rate because they are not subject to government regulations. They are charging me to XXXX XXXX  interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
DEMAND FOR BLOCK OF INFORMATION PURSUANT TO 15 U.S.C. 1681c-2 ( 605B ) IDENTITY THEFT VICTIM RIGHTS Date : XX/XX/year> FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last 4 ) : XXXX Date of Birth : XXXX TO : Consumer Reporting Agency Dispute Department RE XXXX XXXX XXXX XXXX XXXX PRONTO PRESTAMOS Account Reference : XXXX Disputed Amount : {$1700.00} LEGAL DEMAND UNDER PENALTY OF LAW COMES NOW the undersigned, XXXX XXXX XXXX, a victim of identity theft, and hereby DEMANDS, pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, the IMMEDIATE AND PERMANENT BLOCK of the following fraudulent information from my consumer credit file : FRAUDULENT ACCOUNT : Creditor/Furnisher : PRONTO PRESTAMOS Account Number : XXXX Disputed Balance : {$1700.00} STATUTORY AUTHORITY & REQUIREMENTS Under 15 U.S.C. 1681c-2 ( a ), a consumer reporting agency SHALL block the reporting of any information identified by the consumer as resulting from identity theft NO LATER THAN 4 BUSINESS DAYS after receiving : ( 1 ) Appropriate proof of identity ( enclosed ) ( 2 ) Copy of identity theft report ( FTC Affidavit enclosed ) ( 3 ) Identification of the specific information to be blocked ( 4 ) Statement that the information does not relate to any transaction by the consumer I HEREBY AFFIRM AND ATTEST, under penalty of perjury pursuant to 18 U.S.C. 1621 : I DID NOT open, authorize, or benefit from the account listed above This account is the result of IDENTITY THEFT as defined in 18 U.S.C. 1028 I have filed an official Identity Theft Report with the Federal Trade Commission I am entitled to a block of this information under federal law DAMAGES & ENFORCEMENT WARNING NOTICE OF STATUTORY DAMAGES : Failure to comply with this demand within the statutory 4-day period will constitute WILLFUL NONCOMPLIANCE under 15 U.S.C. 1681n, subjecting your agency to : Actual damages suffered by the consumer Statutory damages of {$100.00} to {$1000.00} per violation PUNITIVE DAMAGES as the court may allow Reasonable attorney fees and court costs CFPB enforcement action and federal investigation The statute is MANDATORY. The word " shall '' admits no discretion.

REQUIRED RESPONSE & DEADLINE You are REQUIRED to : 1. BLOCK the fraudulent information within 4 business days 2. NOTIFY the furnisher ( PRONTO PRESTAMOS ) that the block has been applied 3. PROVIDE written confirmation to me at the address above DEADLINE : XX/XX/year> Failure to respond constitutes an admission of willful noncompliance. 



Executed this 26 day of XXXX, 2026. 

_________________________________ XXXX XXXX XXXX Identity Theft Victim ENCLOSED DOCUMENTS : FTC Identity Theft Report/Affidavit Government-Issued Photo Identification ( copy ) Proof of Current Address THIS DOCUMENT PRESERVED FOR LITIGATION PURPOSES

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
They took money out my account without authorization. And then cancelled my card. Debit does not work anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
I had had enough with USAA so I closed my checking account, followed by my car insurance then my Secured USAA XXXX XXXX Credit Card at the same time my CD certificate that secured the XXXX XXXX Credit card. I was due a refund based on the final balance of the XXXX XXXX and the amount the the CD ( which was absolutely too low for the amount of years it had reached its maturity ) I was assured that I would be issued a credit by check since my other accounts were no longer open. I eventually did receive that check in the amount of I believe {$100.00} or {$110.00} I can't recall the exact amount. So time goes by I check my credit and I have a dedt for XXXX on my usaa secured XXXX XXXX card. Now I first asked that my account be closed in XX/XX/XXXX it was still open so I called again XX/XX/XXXX the CD took care of the balance until they sneakily charged me an annual fee and then a late fee for not paying it. I was never aware I was chargedly because the account was closed. I opened that account in XXXX I believe I had one payment that was late from that opening until I closed it in XXXX. So from XXXX to XXXX one late payment. From the very beginning I was lied about this whole entire account. It was supposed to be 2 years secured. As long as you didn't make a late payment, it would be unsecured which never happened

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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Tried to contact Midland to ask for the 1095 and original documentation to no avail

Company response to consumer: Closed with explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that [ transUnion ] block fraudulent information from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice.

These fraudulent accounts and inquiries are the direct result of dentity theft and fraud.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
During the year XXXX and XXXX, I received written letters from American Express stating that they were taking me to court in connection with XXXX different accounts. 
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
A forced debit of my entire paycheck was taken ( {$640.00} ). This was not authorized. A Truist representative investigated and told me that they took the payment due to my daughter being added to my account. Her name is XXXX XXXX and she was added to my account to help in the event I become XXXX. I am not, and have never been, connected to her business aspirations, and had/have no connections to her financial matters. This is the second instance of Truist taking a forced debit from my account with no communication or explanation of the matter. Additionally, there is no connection of my personal banking accounts to my daughter 's business. It's also clear that all deposits to my account result from wages earned and/or retirement benefits. As such, there is no connection to my personal checking account and my daughter or her business. Additionally, this appears to be another instance of a large corporation taking advantage of a senior citizen with limited resources as they don't fully investigate the matter and take funds without communication or concern for their customers. 

XXXX A duplicate copy of the forced debit was mistakenly scanned and attached.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Trying to collect a debt that is not owed, reports on my credit that are incorrect

Company response to consumer: Closed with explanation