vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance.

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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing a formal complaint regarding a Membership Rewards transfer of XXXX points from American Express to XXXX XXXX XXXX XXXX XXXX ). The transfer destination was added within the American Express system as a companion account, which the system allowed without restriction. I then initiated the transfer through the official Membership Rewards interface. However : The transfer was not successfully completed to my knowledge XXXX has not credited the miles XXXX has refused to provide written confirmation American Express has also refused to provide any written confirmation of whether the points were successfully delivered Despite this, American Express has verbally stated that the points will not be returned, citing that I accepted the consequences of the transfer. This creates a critical issue : American Express is treating the transaction as final, while simultaneously failing to provide any written evidence that the transfer was successfully completed or where the XXXX points currently reside. I am not disputing a completed transfer that I regret. I am disputing the lack of transparency and refusal to account for the status of my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
I was in XXXX to visit family in XXXX. I needed to pay my home Internet bill, but autopay wasnt working. So I used my checking account to pay that bill and cashapp decided that they had to investigate my claim that it was for my own XXXX XXXX XXXX XXXX for my house in Virginia. They havent given me any information. Withheld my money. And I still can not even access my funds or receive an answer. Because of this I have fallen behind on bills and even then they wont give me any information on whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
Expected Outcome : My XX/XX/year> payment for which I was billed XXXX paid should count as eligible XXXX qualifying. Mohela has not counted my XX/XX/year> payment towards my XXXX count because they claim no bill was due that month. However, Mohela did send me a bill. I paid the bill. The payment should count towards my XXXX. I have communicated with Mohela many times about this and have been told it would be adjusted ; they lied. Mohelas actions are fraudulent. Mohela has claimed they put me in forbearance at the end of the month. Now, Mohela claimed no payment was due. However, Mohela had already billed me XXXX I had paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had several Wells Fargo accounts. Both business and personal. Through the years they have charged me multiple times for overdraft fees in all of my accounts. In XXXX I opened a chase account. That account charged exorbitant amounts of money multiple times for overdrafting my account. I never gave my permission to either institute.

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 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: NY

Complaint narrative:
I am filing a complaint against CarMax Auto Finance regarding an unlawful repossession, resulting property damage, and continued reporting of an invalid balance. On or about XXXX XXXX, 2024, a repossession conducted by CarMaxs contracted agent caused property damage at my residence. The vehicle was improperly handled and dragged across my lawn and driveway, causing visible damage to the ground and surrounding areas. This incident was documented in a police report filed with the XXXX XXXX Police Department. I immediately reported the incident to CarMax Auto Finance by submitting a formal claim and providing supporting documentation, including photographs and a repair estimate. CarMax acknowledged receipt of the police report and my communications but failed to resolve the issue. Despite having actual notice of the damage and dispute, CarMax continues to report a balance of {$18000.00} on my credit report. This balance is invalid because it arises from an unlawful repossession conducted in a manner that caused property damage and constitutes a breach of peace. On XXXX XXXX, 2026, CarMax Auto Finance received and signed for a formal Notice of Intent to Sue sent via certified mail. They failed to respond within the 7-day deadline provided. I am requesting the following resolution : - Immediate deletion of this account from all consumer reporting agencies- Cessation of all collection activity - Written confirmation that the account has been corrected and closed CarMax has failed to investigate, failed to resolve a documented claim, and continues to report a disputed and invalid debt despite receiving multiple notices and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: MT

Complaint narrative:
I closed on a mortgage in XX/XX/year>XXXX for {$290000.00}. I made a lump sum payment on my mortgage on XXXX in the amount of {$260000.00}. My balance is now {$28000.00}. I sent a secure message on XXXX-26, asking how to remove the Private Mortgage Insurance. They replied saying they would mail me the information. On XXXX-26 they generated a letter stating I would have to pay for an appraisal in order for them to see if they could remove the PMI. It is my understanding that under the Homeowners Protection Act, lenders must automatically terminate Private Mortgage Insurance ( PMI ) when your principal balance is scheduled to reach 78 % of the home 's original value ( 22 % equity ), provided you are current on payments. I have also called the company and asked them to remove the PMI since I made the large principal payment. But they refuse to do so without an appraisal that I have to pay for.

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 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Approximately $ XXXX disappeared from my Cash App account between XXXX and XXXX. There are no transactions showing in my activity tab the money just vanished. Cash App then closed my account without explanation and is not answering my questions or helping me recover the funds. I did not authorize any of these transfers or share my login information with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my auto loan account through Westlake Financial. On XXXX XXXX, 2026, my car insurance company electronically transferred the remaining balance of my car loan to Westlake Financial. I was informed that it would take about 7 to 10 business days for the payment to be processed and reflected on my account. After waiting the full time period, I began calling Westlake Financial to confirm that the payment had been received. I made multiple calls over several days, but I was repeatedly told that there was no record of the second payment. They only acknowledged the first initial payment made previously. During these calls, I experienced very poor customer service. Several representatives were rude, dismissive, and unhelpful. On one occasion, a representative even raised their voice and yelled at me, insisting that no additional funds were ever transferred and that there was no proof of the payment. It is now XXXX XXXX, 2026, and despite my efforts to resolve this issue, multiple late fees have been added to my account. Because of this, I am now being told I owe more money instead of receiving any remaining balance from the original amount my insurance company sent on XXXX XXXX, 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing XXXX dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable XXXX provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status XXXX " XXXX XXXX XXXX XXXX' ALLY FINCL - XXXX

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 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. The account listed under XXXX / XXXX XXXX XXXX XXXX XXXX credit report does not belong to me, and I did not authorize or open this account. This is a fraudulent account that has been wrongfully reported in my name. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate and fraudulent information on my credit report, and credit reporting agencies are required to investigate and remove unverifiable accounts. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I request validation of this alleged debt and demand that all collection activity cease unless proper verification is provided. I formally request that this fraudulent account be investigated and permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account with Chase Bank in XXXX. I was charged large amounts of money many times for overdraft charges. I had never agreed to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
AFFIDAVIT OF TRUTH & NOTICE OF DISPUTE I, XXXX XXXX, a natural person, hereby declare under penalty of perjury that the following statements are true, correct, and made in good faith : 1. I am disputing the following accounts reported on my consumer report as inaccurate, unverified, and/or misleading : WFBNA AUTO- {$55000.00} ( XXXX account number 2. These accounts contain inconsistencies including, but not limited to : - Multiple reporting entities for the same alleged debt - Conflicting account statuses and dates - Lack of verified contractual obligation - Incomplete or missing original creditor documentation 3. I have not been provided with any verified contract, signed agreement, or lawful evidence proving I am obligated to pay these alleged debts as currently reported. 4. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally demand : - A copy of the original signed contract or application - Full accounting of the alleged debts - Proof of chain of title and lawful assignment for any debt buyers - Documentation validating the accuracy of all reported information 5. Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. 6. Under 15 U.S.C. 1692g ( FDCPA ), I request full validation of these debts. Until validation is provided, all collection activity must cease. 7. I invoke my rights under Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ), which requires furnishers to conduct a meaningful investigation. 8. Additionally, Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) confirms that credit bureaus must go beyond superficial verification. 9. The reporting of duplicate or misleading accounts ( original creditor + debt buyer ) without proper validation may constitute inaccurate reporting under the FCRA. 10. Failure to provide proper verification within 30 days requires immediate deletion of the disputed accounts. 11. Continued reporting of unverified or inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n, making you liable for damages. 12. This affidavit serves as formal legal notice. Any failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and legal action if necessary. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Executed on this XXXX day of XXXX, 2026. __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I visited XXXX car dealership in XXXX XXXX After so many months the car started to run weird. I had a warranty however, I could never get anyone to assist me. Ever. XXXX down the following year and I went to numerous shops to get it fixed and no one knew what the issue was. They finally reposted the car and picked it up around XX/XX/year> ( I believe thats the correct date ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I would like to provide additional clarification to my complaint. American Express states that I accepted the risk of the transfer. However, the system allowed me to : * add a companion XXXX account * initiate a transfer to that account * complete the transaction without any system warning that such transfers are not accepted by XXXX XXXX has confirmed they do not accept this type of transfer. This means the American Express system allowed a transaction that is inherently invalid with the partner airline. At no point did the system prevent or clearly warn that the transfer would be rejected or unusable. This is not simply user error. This is a system design issue where a financial transaction was permitted despite being incompatible with the partner 's rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been disputing JPMORGAN Chase credit card for a couple of years now and they can not produce competent evidence that this is an legitimate account opened by me, at the time this account was opened I was a victim of the experian security breach and was awarded compensation for said breach. I have already proved fraudulent accounts from other creditors however JPMORGAN Chase refuses to investigate, send competent proof of ownership being mine, or to remove their trade line from my credit report. I continue to claim this account fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> XXXX XXXX Ga Jefferson Capital Systems XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX, MN XXXX Re : Account Number XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the above-referenced account. You are no longer permitted to contact me by phone, mail, email, text message, or any other means, except as allowed by law to notify me of specific actions such as termination of collection efforts or notice of legal remedies being pursued. Be advised that any further communication beyond what is permitted under federal law will be considered a violation of the Fair Debt Collection Practices Act and may result in legal action against your company. Additionally, I request that you document this request in your records and confirm in writing that you will comply with this demand. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to formally notify Cash App of multiple unauthorized transactions made using my account, card, and mobile device without my consent. These transactions were the result of fraudulent access to my personal information and device. As part of my efforts to address and resolve this matter, I have filed individual complaints with the XXXX XXXX XXXX ( XXXX ) against the following merchants involved in these unauthorized charges : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Each complaint outlines the fraudulent nature of the transactions and the misuse of my financial information. These incidents involve the unauthorized use of my Cash App card and access to my phone, which was used to place orders without my knowledge or approval. This constitutes fraud and identity misuse, and I am actively pursuing resolution through all available channels. I respectfully request that Cash App conduct a thorough investigation into these transactions, provide any relevant records associated with the activity, and take appropriate action to reverse the charges and secure my account. Additionally, I request confirmation that my account has been protected against any further unauthorized access. Please consider this letter as part of my formal dispute and fraud claim. I expect timely communication regarding the status of this investigation and any steps being taken to resolve this matter. Thank you for your prompt attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Webcollex, LLC
State: AL

Complaint narrative:
XXXX contacted me about a debt thats is showing on my credit report as a charge off sold to them by XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I have asked them for proof of debt and chain of ownership and i never received it

Company response to consumer: Untimely response
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Kikoff Inc.
State: TX

Complaint narrative:
I am writing XXXX dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable XXXX provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status XXXX " XXXX XXXX XXXX. '' KIKOFF - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VI

Complaint narrative:
I have been receiving daily phone call from Transworld System , Inc from all over the United States and XXXX since XXXX of XXXX. I have attached screen shots of my cell phone showing these calls for the last XXXX months. Apparently they have fraudulently obtained my contact information from XXXX XXXX. I have not been a customer of XXXX XXXX for several years. I do Not owe XXXX XXXX any money. In fact my last contact with XXXX XXXX was them sending me a check for money they owed me, I have not relieved any bill from XXXX XXXX either. Since this the XXXX time XXXX of there national debt collection companies acquired my personal information from a service provider when absolutely no debt was owed it looks like there could be fraud involved. It is also possible that I have been targeted because I am elderly ( XXXX XXXX XXXX ). Anything you can do to stop this relentless harassment will be greatly appreciated. If Transworld Systems provides me a documented bill in writing I would gladly respond in writing with documentation showing I do not owe XXXX ( or anyone else ) any unpaid bills.

Company response to consumer: Closed with explanation