vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: MD

Complaint narrative:
On XX/XX/XXXX, I purchased a custom made suit from XXXX for {$330.00} using my American Express card ending in XXXX. I initiated a dispute XX/XX/XXXX because the product after a long protracted course of trying to get XXXX to alter custom suit to fit. The provided was fundamentally defective and significantly not as described. Specifically, the suit was made with incorrect measurements taken by their own tailors making the suit unwearable. I went to their showroom and send numerous email which XXXX ignored. Effectively refusing to honor their for promise guarantee. I have provided American Express with my email communications with XXXX and pictures of the improper fitting suit. I opened a CFPB complaint XX/XX/XXXX an AMEX provided monetary relief. However, I just received a letter that they charged my credit card again. The response they provided me that the merchant was correct and that I didnt contact the merchant within 10 days of receiving the order and I had remove the tags from the garment. However, this is untrue, I had contacted the company within 10 days and even had a confirmed appointment at their showroom when I arrived at the showroom, I found it closed. I immediately sent an email to the company and they told me that they will investigate and follow up. They never contacted me again. I sent them multiple emails and they never responded to any of them. I believe that XXXX is clearly making up false allegations to cover up their mistakes. I followed all their rules and procedures. I request AMEX reopen my complaint and do a thorough review with all of the documentation that had sent them. The garment still has his tag on it if they require a picture Ill be happy to send.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX say that I owe them {$1600.00} and they put 2 collections on my credit report but I have never had XXXX in my life I need help with disputing this Ive tried to dispute it with the credit bureaus XXXX XXXX and XXXX but they denied my disputes I need this taken off of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am writing to address an issue concerning an account with SYNCB/AMZN that is incorrectly reported on my XXXX credit report. The account number is ending in XXXX. Despite the balance being {$0.00}, the account is listed with a derogatory status, which is inaccurate and unjustly impacting my credit scores. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. Upon reviewing my credit reports, I noticed that this account is only reported by XXXX, yet it reflects negatively on my creditworthiness. This erroneous derogatory status has severely affected my credit scores, which are XXXX on XXXX, as well as XXXX and XXXX on XXXX and XXXX respectively. Such low scores have impeded my ability to secure favorable financial terms and have caused significant stress and financial hardship. I have made several attempts to resolve this directly with XXXX by disputing the account status. However, despite my efforts, the account remains inaccurately reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report, and the credit reporting agency is obligated to investigate the claim and correct any inaccuracies. Additionally, I have reached out to SYNCB/AMZN to verify the accuracy of the account status. However, I have not received a satisfactory response or correction. The continued presence of this derogatory account status on my report is unjustified and needs to be addressed promptly. I am requesting the removal of this account from my credit reports with all three major credit bureaus : XXXX XXXX and XXXX. This corrective action will help restore my financial standing and prevent further undue harm.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
The company claims I owe money to a gym, but the gym I signed up for did not have a contract and was cancelable at any time. This company feels that I owe them money when I did not have a contract with the gym. They need to stop harassing and contacting me or else I will sue them in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I previously paid off my auto loan with Credit Acceptance Corporation and the lien has since been released. However, I never received the updated lien release documentation or my clean vehicle title. I recently requested a title through the Indiana Bureau of Motor Vehicles, but it appears there is still confusion in the system, and I am unable to obtain a copy of my title. I have attempted to contact the company but have not been able to resolve this issue. I am requesting a copy of my lien release ( if needed ) and a properly issued, clean vehicle title so I can complete my records.

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Im currently a XXXX customer and been for several years. I have my same internet box from when I first started service. CBE group sent me a letter in XXXX of 2026 stating a balance of {$380.00} owed to XXXX. I informed them I have no knowledge of this debt and Im currently still a customer. The rep hung up disrespectful. I called back and XXXX was able to assist me with disputing this debt. I called XXXX after and they apologized and said they see the debt is for a story ready XXXX that the agent ordered a without my knowledge or consent. The XXXX rep gave me reference number XXXX and said this not my debt its not my fault. Why didnt they take the appropriate action before targeting my credit score? Now my score dropped and I want to how everyone accountable for this huge mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a savings account believing that adding this relationship would help me meet the fee-waiver requirements for my checking account and avoid the XXXX XXXX monthly maintenance fee. However, I was charged both the {$12.00} checking maintenance fee and a XXXX XXXX monthly maintenance fee on the savings account. I did not realize the savings account had become overdrawn until months later, after repeated fee deductions. At the time of my call, the savings account balance was approximately - {$22.00}. I requested a credit to bring the account back to XXXX. A {$16.00} credit was applied, but this still left a remaining negative balance of - {$6.00}.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am filing a formal complaint regarding the servicing of my student loan by Navient, due to what I believe were misleading and harmful repayment practices. My original loan amount was {$13000.00} in XXXX through Sallie Mae. Sallie Mae was sold to Navient, and is now being serviced by XXXX. Since that time, I have paid a total of {$17000.00}, yet my current balance remains approximately {$13000.00}. Despite making payments over many years, my principal balance has barely decreased. At this point, it appears I have repaid the original loan amount, and the remaining balance seems unreasonable. Throughout the life of my loan, I was repeatedly advised to go into forbearance. At the time, I was not adequately informed of the long-term consequences, including ongoing interest accrual and capitalization. I was also not clearly presented with alternative repayment options, such as income-driven repayment plans, that may have been more appropriate for my financial situation. Based on my current understanding, these repeated forbearances may not have been in my best interest and instead prolonged my repayment period while significantly increasing the total cost of my loan. I relied on Navient, as my loan servicer, to provide accurate and responsible guidance, which I do not believe occurred. I am also aware that Navient was involved in a multistate settlement related to similar practices of steering borrowers into forbearance rather than more sustainable repayment options. My experience appears to be consistent with the issues identified in that case. During this time my account was automatically placed into forbearance and accumulated more interest. As you can see in the loan details attached, out of the XXXX I have paid, only {$2200.00} has gone towards the principal. This feels a bit criminal. I do not have access to documents prior to XXXX as the provider has changed. As a result, I am requesting a full review of my loan account, including : A complete payment history Consideration for the remainder of the loan to be forgiven, as I have paid XXXX. Thank you for your time and attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Statement of Facts : I am filing this complaint against the collection agency, First Financial Resources , INC. ( address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; reference number XXXX ) regarding an XXXX bill from XX/XX/year>. This debt originated with XXXX XXXX XXXX XXXX XXXX XXXX ( address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who is the original creditor. This debt is invalid because it is contractually owed by my medical facility, XXXX XXXX ( address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I received outpatient treatments from XXXX to XXXX ), not me. XXXX XXXX has a direct billing agreement with the XXXX XXXX and has confirmed in writing that they will take care of this XXXX bill. On XX/XX/XXXX, my clinician at XXXX XXXX emailed me stating that they resolved the XXXX bill with the XXXX company. The screenshot of this email is attached. However, on XX/XX/XXXX, I received a text from First Financial Resources, INC., stating that the XXXX XXXX XXXX sent the bill to it for collections. Upon my contact, First Financial Resources, INC. has placed a temporary 30 day hold on my account but refuses to extend it or acknowledge that XXXX XXXX is the correct debtor. A temporary hold does not resolve the billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My bank account at Santander Bank was closed after they suspected fraud activity. After the account was closed, I was not able to access my remaining funds. I was told the money was placed under a claim or review, but I have not received my funds back and I have not been given a clear explanation or timeline. I contacted the bank several times, but the issue has not been resolved.

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Im a XXXX XXXX XXXX in XXXX, CT, trying to make an honest living. It doesn't make senseand frankly, it doesn't feel legalthat a bank can force me to sign a contract that they treat like a " blank check. '' They basically told me they can ignore my instructions, lose my money, and then hide behind their own rules so they don't have to pay me back. The Law vs. Their Contract : M & T is trying to tell me that Sections 23a and 24 of their contract give them the right to ignore my instructions. But these clauses should not be allowed to " validate '' away the actual laws that govern banks. Under UCC Article 4A, a bank has a legal duty to follow a customers payment instructions with ordinary care. A bank shouldn't be able to use a boilerplate contract to opt out of the law or to protect themselves from their own corporate negligence. Heres exactly what happened : On XX/XX/year>, I went to my local branch to send {$47000.00} USD ( Ref : [ Insert Ref # ] ). The staff at the branch were greatthey did their job perfectly and marked the wire as USD-to-USD. But somewhere in M & Ts corporate " back office, '' someone messed up. They sent the money through a route that forced it to be converted into HKD, which cost me lots of money due to exchange losses and affected my business. Please note on their letter to me they are admitting I requested US dollar no conversion

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
After a declined debit card transaction, I contacted Chase and was told that all four of my accounts with Chase were being terminated. This included personal checking & savings, business checking, and a joint checking account with my elderly father. The agent on the phone and the agents at the branch said that the reason for the termination was confidential and would not be shared with me. They told me that a cashiers check for the balances of the accounts will be sent in 7-10 business days. I learned of this with five business days remaining in the month. Without access to my money, I am on track to miss a mortgage payment ( to Chase ), rent and tuition payments for my childen in college, other monthly bills, and other routine expenses. I understand that Chase has the right to end a business relationship, but I do not think they have the right to hold my money ( approx {$110000.00} ) for two weeks or more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau this is a complaint against Transworld Systems Inc. In summary Transworld Systems has sent me two notices for collection on debt on unpaid tolls. I did not recognize the toll debt and sent Transworld systems two letters requesting an itemized list of both debt instances. I believe this to be an error on the part of Transworld systems or a fraudulent action. Transworld Systems sent me two response letters that did not include the itemized list with dates. In actuality the larger of the two instances increased without explanation. In Detail. Instance 1. Dated XX/XX/XXXX I received a collection notice from Transworld Systems listed as Account XXXX with a balance due of {$1900.00} Creditor is XXXX XXXX XXXX XXXX for 22 Accounts between XX/XX/XXXX and XX/XX/XXXX. See Notice 1 page 1 and Page 2. On XX/XX/XXXX I sent Transworld Systems a Letter requesting an itemized list of the debt because I did not recognize the debt. See Letter 1 Dated XX/XX/XXXX I received a letter from Transworld Systems listed as Account XXXX with a balance due of {$2000.00} Creditor is XXXX XXXX XXXX XXXX for 24 Accounts between XX/XX/XXXX and XX/XX/XXXX. See Notice 2 page 1 and Page 2. Transworld Systems did not send an Itemized list with dates of occurrence. Instance 2. Dated XX/XX/XXXX I received a collection notice from Transworld Systems listed as Account XXXX with a balance due of {$66.00} Creditor is New York XXXX XXXX XXXX for 2 Accounts between XXXX and XX/XX/XXXX. See Notice 3 page 1 and Page 2. On XX/XX/XXXX I sent Transworld Systems a Letter requesting an itemized list of the debt because I did not recognize the debt. See Letter 2 Dated XX/XX/XXXX I received a letter from Transworld Systems listed as Account XXXX with a balance due of {$66.00} Creditor is XXXX XXXX XXXX XXXX XXXX for 2 Accounts between XXXX and XX/XX/XXXX. See Notice 4 page 1 and Page 2. Transworld Systems did not send an Itemized list with dates of occurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year>, I used my Wells Fargo debit card to fund a {$250.00} XXXX XXXX payment for the purchase of event tickets. The seller represented the tickets as legitimate but never delivered them and stopped responding after receiving payment. I immediately reported this to Wells Fargo and filed a fraud claim ( Claim # XXXX ). Wells Fargo denied my claim, stating the transaction was authorized, despite the fact that the payment was made under false pretenses and involved goods that were never received. I have since filed a police report ( Case # XXXX ) and a Federal Trade Commission report ( Report # XXXX ) documenting this scam. I am requesting that Wells Fargo properly review this as a fraudulent transaction involving misrepresentation and goods not received, and apply appropriate consumer protections. Their refusal to reopen or escalate the claim is concerning given the documented 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 explanation
Consumer complaint received 2026-04-28 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: VA

Complaint narrative:
On XX/XX/XXXX. A payment was initiated from XXXX to XXXX for earned funds from my XXXX channel. I received a link to accept the funds from XXXX, Upon clicking the link XXXX suspended my account and after multiple attempts conversing with XXXX I have no been able to get the account reinstated and my funds transferred into my verified checking account. I have gone through their resolution/help process without any movement forward. It seems that the funds are lost in between XXXX and XXXX. I have tried to contact XXXX via phone and email and have gotten no movement towards resolution. I have reverified checking account, email address and phone number and sent them screenshots of the emails and errors.

Company response to consumer: Closed with explanation