vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
CFPB Complaint Attempted Collection of Charges Based on Nonexistent Apartment Consumer Complaint Narrative I am submitting this complaint regarding the attempted collection of charges by XXXX XXXX XXXX XXXX and its third-party collection agency, Hunter Warfield , based on an alleged apartment reservation that never occurred and is unsupported by any executed agreement. 

I submitted a rental application and paid a non-refundable application fee only, which I do not dispute. I did not sign a lease, did not take possession of any unit, and did not establish residency. After my application was approved, I cancelled the application and did not proceed further. 

Despite this, the property is asserting that I reserved an apartment and that additional charges became non-refundable after 72 hours. This assertion is false and unsupported.

There is no proof that any reservation ever occurred. Specifically : There is no separate reservation agreement bearing my signature. 

There is no reservation checkbox or affirmative reservation consent that I selected. 

There is no reservation line item disclosed in the application. 

There is no reservation fee amount disclosed or authorized. 

There is no document stating that application approval constitutes a reservation. 

There is no document converting an application into a reservation absent a signed lease. 

The clause the property relies on states that certain fees become non-refundable after 72 hours of reserving the apartment home. The condition precedenta reservationnever occurred. Approval of an application is not a reservation and does not create a binding financial obligation.

Nevertheless, the property referred the alleged balance to a third-party collection agency. Referring a disputed and unsupported charge to collections does not cure the absence of a contract or consent and may constitute improper debt collection activity.

I have repeatedly requested that the property identify the specific document and clause that authorizes post-application charges without a signed lease or reservation agreement. No such proof has been produced.

Nature of the complaint : Attempted collection of charges not supported by an executed agreement Reliance on a nonexistent reservation to justify fees Failure to provide contractual proof of liability Referral of a disputed, unsubstantiated balance to collections Requested resolution : Written confirmation that no reservation was ever executed Withdrawal of any charges beyond the application fee Correction of any records provided to third parties or credit bureaus Cessation of all collection activity related to unsupported charges I am requesting CFPB assistance to ensure that unsupported and improperly asserted charges are withdrawn and that no adverse consumer reporting or collection activity continues based on a non-existent reservation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
According to my lease agreement with XXXX XXXX, any taxes due are the responsibility of the lessee. When the tax issue arose, XXXX XXXX notified me by email of an amount allegedly due, with a payment deadline of XX/XX/XXXX. Because the amount appeared incorrect, I contacted XXXX XXXX multiple times requesting a detailed tax statement. That documentation was never provided. 
As a result, the co-owner contacted the county tax authority directly. The county confirmed that the amount charged was incorrect and, in XXXX ( approximately XX/XX/year> ), XXXX XXXX issued a refund check payable to XXXX XXXX. 
During this entire process, I continued to make my regular monthly lease payments, and XXXX XXXX was informed that the county was actively resolving the matter. Despite this, XXXX XXXX improperly applied my XXXX and XXXX lease payments to the disputed tax balance, without notice or authorization, instead of crediting them as monthly payments. 
Subsequently, XXXX XXXX issued collection warnings and a default notice claiming I owed two missed payments plus other charges, even though the tax refund check had already been issued by the county. The balance referenced in the default notice was calculated as of XX/XX/XXXX, after the refund check date. 
Despite repeated calls, requests for documentation, and notice that the debt was disputed and under correction, XXXX XXXX continued collection and default actions based on an inaccurate and false debt. XXXX XXXX had sufficient notice, documentation, and time to correct this error and failed to do so.

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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have a mortgage account with XXXXXXXX XXXX XXXXXXXX that is serviced by XXXX XXXX XXXX. Starting XX/XX/XXXX, the servicing of my account was transferred to XXXX XXXX  ( XXXX ). 
However, the principal balance on XXXX 's website is overstated and doesn't reflect the principal repayments I made back in XX/XX/XXXX. 
As a result, XXXX is overstating my principal balance to my detriment as it means more interest payments from here on. 
Raised this via email to XXXX XXXX on XXXX XXXX but as of XXXX XX/XX/XXXX XXXX XXXX, there is no resolution. I have followed up 4 times on email since but just keep receiving an automated response. 
I contacted their online customer service to begin with on XXXX XXXX who recommended me to email them. 
As stated earlier, repeated follow-ups yielded no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: TX

Complaint narrative:
filed a XXXX  XXXX XXXX, and this Upgrade account was included in my bankruptcy case. Despite this, Upgrade is reporting inaccurate and incomplete information to the credit bureaus.

I previously disputed this matter directly with Upgrade. Upgrade responded by verifying the account without correcting the inaccuracies, resulting in dispute resolved consumer disagrees / subscriber disagrees being noted on my credit report.

Specifically, Upgrade is inaccurately reporting one or more of the following : A balance owed on an account included in Chapter 13 Late payments after the bankruptcy filing date Incorrect account status instead of included in bankruptcy Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report complete and accurate information and to correct or delete information that is inaccurate or misleading. Verifying inaccurate bankruptcy reporting violates these obligations. 
I disputed this information and this was the response. I filed bankruptcy in XX/XX/year> the dates of Upgrade opening accounts do not match bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Multiple accounts were opened online in my name without my knowledge or consent. These include accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX. I did not authorize the opening of these accounts, and Wells Fargo has not explained how they were opened or who authorized them. 

I previously raised this issue with Wells Fargo and received a written response dated XX/XX/year>. That response did not explain how the unauthorized accounts were opened, did not trace transfers into or out of those accounts, and did not account for missing funds. 

I then met in person with a Wells Fargo XXXX XXXX to request a fraud investigation. Wells Fargo agreed to open internal complaints for only two accounts ( XXXX and XXXX ) because they were closed with zero balances and issued internal complaint ID XXXX. Wells Fargo refused to open complaints for the remaining unauthorized accounts ( XXXX, XXXX, and XXXX ) at the branch level and instructed me to contact the Identity Assistance Team, stating those accounts had currency at closure. 

Wells Fargo has not provided account opening documentation, transaction histories, transfer records, or debit/ATM card issuance information for any of the unauthorized accounts and has not opened a fraud investigation. 

In addition, Wells Fargo has not addressed depleted investment and retirement accounts, including standard brokerage accounts ending in XXXX and XXXX and an IRA account ending in XXXX, which I believe is missing approximately {$170000.00}. Wells Fargo stated these accounts are separate entities and required additional Power of Attorney forms but did not provide the account information necessary to complete those forms. 

Despite repeated requests and an in-person meeting, Wells Fargo has not explained how the accounts were opened, how funds moved, or where the money went.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Goldman Sachs is continually reframing a dispute as a question of bank error, when the core issue is whether the {$1000.00} charge itself was valid, authorized, and supported by a real transaction. No purchase occurred, no goods or services were delivered, and the merchant cancelled the original auction sale. The charge therefore lacks a legitimate transactional basis. 

Throughout this process, Goldman Sachs has provided inconsistent and shifting explanations for denying my dispute. In different responses, Goldman has stated that I agreed to the merchants terms at the time of purchase, that services were provided, and later that there was insufficient evidence to substantiate my claim. These explanations are contradictory and fail to establish a consistent factual basis for the charge. If no purchase occurred, there can be no agreement at purchase, and no services could have been provided. 

Additionally, after I cancelled the auction before payment, the merchant generated a separate {$1000.00} charge tied to a different lot that I never bid on and which did not exist in the original auction. Goldmans responses do not address how this charge relates to any real property, bid, or transaction, nor do they explain why charging a non-bid, post-cancellation lot is permissible. 

I have contacted Goldman Sachs on multiple occasions requesting disclosure of the merchant evidence relied upon to deny my dispute. To date, Goldman has not provided any merchant documentation, screenshots, contracts, or transaction records showing that this charge was properly disclosed, authorized, or contractually owed. The lack of transparency prevents me from meaningfully responding to the findings and raises concerns about whether the investigation was conducted impartially.

For these reasons, Goldmans handling of this dispute reflects a failure to meaningfully investigate the validity of the charge and reliance on conclusory statements rather than factual analysis. I respectfully request that this complaint be reopened and investigated further, with a full review of the merchants evidence and the contradictory explanations provided to justify the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint against Affirm Inc. for reporting late-payment information that has not been adequately verified or explained. Affirm Inc. is reporting late payments on multiple accounts, including Account XXXX for XX/XX/year> and XX/XX/year>, Account XXXX for XX/XX/year>, and Account XXXX for XX/XX/year> and XX/XX/year>. I formally requested confirmation that these reported late payments align with Affirms internal payment records and an explanation of how the delinquency was calculated in relation to the account balances and account statuses at the time. 

Affirm Inc. has not provided sufficient evidence demonstrating that the reported late payments are accurate or that the delinquency calculations were properly derived. Furnishers have a duty under the Fair Credit Reporting Act to conduct a reasonable investigation and to ensure that any information reported to consumer reporting agencies is fully verifiable. The continued reporting of these late payments without proper validation is inaccurate and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX I purchased a car from XXXX XXXX Toyota World in XXXX, TX and financed it through Toyota Financial Services. XXXX service agreements were added into the loan without my understanding and a week later I cancelled the service agreements. However, the value of the service agreements were never credited to the loan amount. I have contacted the dealership and Toyota Financial Services XXXX XXXX and XXXX  months later ( XX/XX/XXXX ) the credit has still not been applied to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
The Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC ). 
The Collector : Hunter Warfield, Inc.. 
The Reference Number : XXXX. 
The Evidence : XX/XX/XXXX : I receive a completely out of nowhere, incorrect notice that I owe {$1200.00} to the XXXX. When I moved out my balance is XXXX and this is confirmed by the entire office. 
XX/XX/XXXX : XXXX XXXX confirmed the debt is made in error, to disregard and it will be removed XX/XX/XXXX : XXXX. Residential XXXX XXXX XXXX confirms " XXXX  % '' cancellation. 
XX/XX/XXXX : XXXX admits the cancellation request was sent to XXXX XXXX multiple times. 
XX/XX/XXXX : XXXX XXXX XXXX XXXX confirms the account is cancelled. 
Hunter Warfield Email : They apologized for the delay and confirmed it was " removed from collections ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX has suspended my account after I opened a new account and tried to link my bank to this account and they suspended this account too. This time my entire funds are still in the account and im unable to access my funds to pay bills or to buy food. I asked them to unsuspend my account so I can use my money and they refuse. I uploaded my drivers license to PROVE its me and yet They are forcing me to wait XXXX to XXXX  days. I have no money on hand to wait that long. XXXX XXXX to make someone wait that long when bills are due and food is a necessity....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently banned my account and is withholding the money in my balance. I received no warning or no reason why this happened. Upon calling I was told there is no way to contest this. I have followed all of PayPals rules. This has happened to many people lately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as my formal and final demand for validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Your prior written response confirms that this account is disputed and that validation, including an itemized bill, has not been provided. As such, the alleged debt remains unverified. 

You are hereby required to provide the following : XXXX. A complete itemized billing statement, including dates of service and XXXX XXXX XXXX. Proof that XXXX XXXX, XXXX is the lawful owner of the alleged debt XXXX. Proof that I am financially responsible for the alleged charges XXXX. A copy of any signed agreement authorizing billing or collection XXXX. Proof that insurance was properly billed, including Explanation of Benefits ( XXXX  ) XXXX. Proof that the balance reflects all insurance adjustments and payments XXXX. Proof that I was the patient Until full validation is provided, you are required to cease all collection activity and credit reporting related to this account pursuant to FDCPA 1692g ( b ) and FCRA 623.

Failure to comply may constitute violations of 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: DC

Complaint narrative:
This is not a repeat but an XXXX XXXX provided a ledger, not a signed contract, which is not proof of ownership. Failure to properly validate under the FDCPA 809. They are reporting without substantiating legal obligation. Use of internal ledger in place of contract misrepresents of balance post write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have been a good Chase Bank customer for over XXXX  years and have never had an issue. I received a wire transfer on XX/XX/year> to help fund my current business as directed by my fiance ( it was sent to my business account ). Chase marked the money available. I was able to transfer XXXX to my checking account ( and later XXXX to my savings for XXXX ). The other monies were earmarked. I got XXXX XXXX XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX with no issues... there was not a hold on it. The tellers checked the funding and there was not an issue. The XXXX check was deposited in XXXX  and they held it for XXXX  days to make sure the funds were ok XXXX and they released it accordingly. Suddenly on XX/XX/XXXX I got a check from my Business, closing out my account- and then a few days later a notice that they had closed my other XXXX accounts due to some fraud. There was a combination of over {$2000.00} in those accounts, mostly money from my auto deposit from my pension. That was my money and I'd like it back asap. It makes no sense to me. The person who sent the money said that the problem is between XXXX XXXX  and Chase- why should I be the one to suffer???? 

I have called the fraud department twice and they refuse to give me information, saying only that the money is in a suspense account because they are still investigating - Investigating what? Shouldn't that have been done BEFORE THEY MADE THE MONEY AVAILABLE??? They tell me there are letters waiting on me on my account but I can not access anything after they closed all three!!!! I have NOT received the bank statments for XXXX and XXXX- and can not access them online, obviously. I would like them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX  Tried to do a deposit into a XXXX XXXX ATM using SoFi Bank XXXX XXXX  ATM malfunction mid deposit when I put the money in and it showed a Error message saying to call my financial institution and so I did XXXX XXXX said they can not do anything or any claims after I repeatedly told them if I could file a Regulation E they said I can not because nothing is showing up on their end, they send me to call XXXX XXXX  and XXXX  XXXX  says that they can not do anything because XXXX needs to be the XXXX investigating it and initiating the process of the claim. I have the Terminal ID number of the XXXX XXXX  atm so I was hoping to use it to file a claim with XXXX but XXXX again refused said they can not do anything cause nothing is showing up on their end. XXXX XXXX  atm didnt even give me a receipt option, even if I tried because it basically had a hold of my card in the atm for a good XXXX minutes. Theres video footage of me going to the atm and attempting the deposit process so theres evidence. I will be retrieving it to be able to put it here on the claim again.

Company response to consumer: Closed with explanation