vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I booked a rental car through XXXX ( XXXX XXXX  ) and was charged {$240.00} on my American Express account to hold the reservation. The associated rental was with XXXX XXXX a XXXX. The rental was cancelled before pickup, and no services were ever provided by either XXXX or XXXX. I did not receive a rental vehicle and did not receive any benefit or service associated with the transaction. XXXX, the actual service provider, issued a full cancellation refund of {$430.00} back to my American Express card, confirming in writing that the entire rental transaction was cancelled and fully reversed. Their credit note shows both the initial debit and the full credit to the same card with a net result of {$0.00} owed * * This means that the service provider imposed no cancellation fee and retained no funds. However, American Express refused to refund the full {$240.00} booking charge. They acknowledged a partial refund of {$140.00}, but they rebilled me {$100.00}, asserting it was a car cancellation penalty. No such penalty was disclosed, agreed to, or charged by the service provider. There is no documentation showing that I ever agreed to a {$100.00} penalty, nor that the penalty was imposed or retained by XXXX. XXXX documentation directly contradicts American Expresss claim. I disputed the {$100.00} portion through American Expresss dispute process. American Express closed the dispute, stated that no further refund is due, and rebilled the {$100.00} to my account without providing evidence of any valid contract, disclosure, or cancellation policy supporting a penalty fee. Regulatory Issue : American Expresss handling appears inconsistent with the dispute resolution protections under 12 CFR 1026 ( Regulation Z ), including obligations to : * * Conduct a reasonable investigation of a billing error, * * Not rebill a disputed amount absent credible evidence, * * Provide supporting documentation when asserting merchant entitlement. American Express allowed a third-party intermediary to retain a penalty for no goods or services rendered, despite documentation proving the underlying transaction was fully cancelled and refunded by the service provider. Consumer Harm : As a result, I have been improperly charged {$100.00} for a cancellation penalty that : * * Was never disclosed, * * Was never agreed to, * * Was not imposed by the service provider, * * Was not supported by documentation, * * Represents a charge for no goods or services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: WI

Complaint narrative:
XXXX XXXX is also a bank but they offer a cash advance option. it is linked to primary checking account with another bank. they can see how much money i have and continue to send ACH payment request for more than what is my account. I have told them to stop in writing and get told we can not control are system it automatically does it and we have no way to stop it. I have sent my bank a stop payment for them but this needs to be corrected and XXXX to needs to be held accountable for federal laws and banking laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and have maintained an unblemished PayPal account for over 22 years. 

On Sunday, XX/XX/year>, I was the victim of a family-impersonation scam. The fraudster posed as my son, claimed his phone was damaged, and urgently asked me to send {$1500.00} via PayPal Friends and Family. Believing I was helping my son, I sent the payment to the name provided : XXXX XXXX. I do not know this person. 

Within hours, I recognized multiple red flags and reported the transaction to PayPal on XX/XX/XXXX as fraudulent. PayPal advised me to stop payment with my bank, which I did immediately on Monday, XX/XX/XXXX. The stop payment was successful, and the {$1500.00} never transferred from my bank to PayPal. 

Despite this, on XX/XX/XXXX, PayPal processed the disputed transaction anyway by applying {$470.00} that had been sent to me by a friend for an unrelated matter. This occurred even though PayPal had prior notice that the transaction was fraudulent and that bank funding had been stopped. 

I am now being told I owe the remaining {$1000.00}, even though : The fraud was reported immediately The bank funds never transferred PayPal applied later incoming funds to a known fraudulent transaction I have a XXXX history with PayPal with XXXX prior issues I fully understand PayPals Friends and Family policy. However, this transaction was initiated under deception, and PayPal had timely notice before any funds were settled. Applying unrelated incoming funds after the fact feels both unfair and inconsistent with consumer protection principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synerprise Consulting Services, Inc.
State: CA

Complaint narrative:
SYNERPRISE is reporting a collection account in the amount of {$560.00} on my credit report on behalf of XXXX XXXX XXXX. I never received any written notice of this alleged debt before it was placed on my credit file. I had no knowledge of this account, no billing explanation, and no opportunity to dispute or request validation prior to reporting. This is a direct violation of FDCPA 15 U.S.C. 1692g ( a ) and alone exposes SYNERPRISE to statutory liability.

After discovering this account, I requested validation. SYNERPRISE has failed to provide any documentation proving that this debt is accurate, mine, or legally enforceable. No explanation of medical services, no itemized statement, no billing codes, no payment history, no insurance adjustment records, no proof of balance calculation, no date of first delinquency, no proof of assignment, and no documentation showing that SYNERPRISE has lawful authority to collect and report this account have been produced.

Medical-related collections require heightened accuracy because billing depends on insurance processing, contractual write-offs, and patient responsibility calculations. Reporting a balance without showing how insurance was applied, what was adjusted, and what was contractually owed is reckless and inaccurate.

Continuing to report this account without competent documentation violates FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( a ) ( 3 ), as well as Metro 2 standards requiring all furnished data to be factual, complete, and verifiable. A medical balance without supporting billing records is not verifiable under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Company : Truist Bank / Truist Mortgage What happened : I currently have a mortgage with Truist that is in an approved forbearance plan while Truist reviews my deferral application. I have submitted all requested documentation, and Truist has repeatedly confirmed that my account is in forbearance and under consideration for a deferral. Despite this, Truist has reported my account to the major credit bureaus as delinquent/defaulted with a pending balance not as in forbearance. This inaccurate reporting has caused a significant and unjustified drop in my credit score. Reporting a mortgage as delinquent while it is und
er an active forbearance and pending lossmitigation review is inaccurate and contrary to proper credit reporting requirements. I have acted in good faith and fully complied with every request from Truist.

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I was enrolled in XXXX and XXXX with a recertification date of XX/XX/year>. On XX/XX/year>, I submitted an IDR application intending payment recalculation, not plan exit. My servicer processed this as a plan change, increasing my payment from {$600.00} to {$840.00}. I immediately disputed the change and requested reinstatement. Nelnet denied reinstatement solely because I did not cancel the IDR application prior to processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Apparently, Synchony/Virgin opened a credit card, without my knowledge, and sent it someplace I do not live. I caught this on my credit alert, called immediately, had it closed and tried to get the address they sent it to. Supposedly, they closed it but couldn't get me the address in question. Equifax just reported that the account is not closed, has a balance of {$99.00}, and is apparently " mine '' - Again, I didn't ask for, nor receive this card. This is blatant fraud and now has me at risk. I have since put a freeze and fraud alert on my credit, and am still trying to get someone at Synchrony to tell me the truth. I have called 3 times and recorded the last call. Each time, they have told me I have no account.

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 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX Account : ending in XXXX ( formerly XXXX ) XXXX XXXX Case Number : XXXX CFPB Case Numbers : XXXX and XXXX Statement of Facts & Timeline XX/XX/XXXX XXXX XXXX formally accepted my identity theft claim in my favor and closed the fraud investigation. Approximately {$2900.00} of the account balance was confirmed as fraud.

Prior to fraud resolution I entered a payment plan solely to avoid late reporting. I was never informed that enrolling in this plan would permanently close my account. 
During the fraud review period XXXX XXXX continued reporting late payments and derogatory remarks while the balance remained under active dispute. 
I made XXXX good-faith payments totaling approximately {$1500.00} despite disputing responsibility for fraudulent charges. 
XX/XX/XXXX I filed a CFPB complaint regarding improper credit reporting and handling of this fraud-impacted account. 
XX/XX/XXXX XXXX XXXX notified the CFPB that it was still investigating my complaint and requested additional time. 
Recent Direct Contact I personally spoke with XXXX XXXX representatives while this CFPB investigation was pending. Despite being told the matter was under investigation, an additional late payment was reported to the consumer reporting agencies shortly after this communication. 
At no point during this process did I receive consistent callbacks from the fraud department. I was repeatedly transferred, placed on extended holds, disconnected, or told a supervisor or fraud specialist would return my call which did not occur. These failures should be documented in XXXX XXXX internal call logs.

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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Received a letter form I.C.System, INC, trying to collect a debt for XXXX XXXX, for the amount {$11000.00}, between XX/XX/25 to today. So, I called them and tell them, I never lived or heard the the address they provided.

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 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
This complaint is related to an existing CFPB complaint against Carrington Mortgage Services ( Complaint ID : XXXX ). While that complaint and a RESPA Qualified Written Request remain unresolved, Carrington initiated foreclosure activity. I am requesting CFPB review of this related issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Dear STATE EMPLOYEES C U, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased my XXXX XXXX in Oklahoma. I moved to Texas toward the end of XXXX. I provided my change of address to Toyota, and they started sending me all communications to my Texas address. 

Toyota never sent me communication, either by email or mail, regarding a tax form that would be needed to avoid property tax. Texas does not charge property tax on vehicles that are for PERSONAL use. My lease clearly states that my lease CAN NOT be used for hire. 

XX/XX/XXXX, Toyota started charging me property taxes in the total of XXXX. I reached out to Toyota to inquire about these charges, but no one told me why I was just getting them now nor what triggered. I had to investigate on my own and contract my local XXXX accessor before I realized what happened. 

Toyota failed to supply me with the paperwork to avoid Toyota being charged taxes, then Toyota made me liable for their oversight. I have made every attempt to resolve this matter. 

I filled out the form XXXX and faxed it to Toyota. They confirmed they received it on XXXX. I was told the matter would be resolved in XXXX business days, but there has been no resolution. 

Each time I call, I attempt to speak to supevisors to resolve. I am told supervisors are in meetings or not available. They tell me they will escalate and someone will call me back, but they don't follow through. 

I have spoken to XXXX with Toyota Financial Services and he confirmed Toyota never provided any communication after my change of address was received. Case ID : XXXX. This was the first time Toyota admitted to the failure and told me the matter could be resolved if I filled out the Form XXXX. 

I talked to XXXX and confirmed that Toyota received the faxed form on XXXX and she told me I would have this resolved in XXXX business days from XX/XX/XXXX. 

I called on XXXX, XXXX ID XXXX and was told this is with my local jurisdiction and waiting review. I was told by her NOT to pay the XXXX because this is being reviewed. I told her I was worried about having a late payment or missed payment reflected on my credit report, and she again, told me not to pay and that this would be resolved within the XXXX business days from XXXX. 

I have called back twice and now the same Toyota associates DO NOT provide me Case IDs when I call even though I have the previous Case IDs from other agents who assisted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
SOURCE RECEIVABLES M is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECEIVABLES M 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Regional Management Corporation
State: NC

Complaint narrative:
Dear REGIONAL XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
FOSTER AND MONROE is falsely reporting on my credit. I have never had any accounts with them. Per my research FOSTER AND MONROE 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: Untimely response