vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: MI

Complaint narrative:
On or about XX/XX/XXXX, the alleged account was originated with Upgrade , Inc . In XXXX, XXXX XXXX XXXX XXXX XXXX began attempting to collect the alleged debt and filed a lawsuit in the XXXX District court, XXXX XXXX ( Case No. XXXX ) amount : XXXX XXXX claims an amount due on the alleged account the exact balance of which is disputed. 
Actions Taken by the company : XXXX XXXX XXXX XXXX XXXX claims ownership of the alleged debt but has assignment agreement, or documentation establishing chain of title or lawful ownership. Despite written discovery request, no proof has been provided showing that the debt belongs to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
IN XXXX I was notified by XXXX XXXX that I was late. I explained to them this was impossible as they had set up auto payments. At the time they took FULL balance payment and agreed to waive XXXX late fee. They never did. Yesterday they contacted me about a XXXX unpaid balance. They explained that the original fee was never reversed so now I had two late fees accrued. The man I spoke to, agreed to waive one late fee provided that I pay a late fee balance within 30 days or I will have to pay both late fees. I told them this was illegal business practice and I would contact you. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN

Complaint narrative:
I am submitting this complaint to request assistance resolving an incorrect default determination on my XXXX XXXX XXXX serviced by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/XXXX, I received a notice from XXXX  stating that I had 30 days to submit a payment of {$120.00} to prevent my loan from going into default. I complied with this notice and made the required payment on XX/XX/XXXX. My bank records confirm that the payment cleared on XX/XX/XXXX, which was within the XXXX timeframe outlined in the notice. As such, my loan should not have entered default status. 

Despite timely payment, XXXX  incorrectly placed my loan into default and transferred my account to the U.S. Department of Education XXXX XXXX XXXX. I subsequently received a letter dated XX/XX/XXXX, indicating that I had 65 days to respond before wage garnishment would begin. 

I first contacted XXXX  regarding this issue on XX/XX/XXXX, and followed up again on XX/XX/XXXX and XX/XX/XXXX. Each time, I was informed that my case was under review by XXXX banking department and that a supervisor would contact me. To date, no supervisor has reached out, and no resolution has been provided. 

I have also attempted to resolve this matter directly with the U.S. Department of Education XXXX XXXX XXXX. I contacted them by telephone on XX/XX/XXXX, and again on XX/XX/XXXX. However, I was advised that they could not assist with correcting the issue and repeatedly deferred me back to the loan servicer, XXXX. 

My most recent contact with XXXX  occurred on XX/XX/XXXX. I was again advised that my account remained under review and was instructed to follow up after XX/XX/XXXX. When I requested clarification on next steps, an XXXX  representative named XXXX advised me to call back on Friday, XX/XX/XXXX. 

I have made multiple good-faith attempts to resolve this matter with both XXXX  and the XXXX XXXX XXXX , without success. Given that the required payment was made and cleared within the prescribed timeframe, the default determination and referral to collections appear to be the result of an administrative or processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I am writing to dispute several hard inquiries that appear on my credit report from XXXX. I did not authorize these inquiries, nor did I apply for credit with the companies listed. These inquiries are fraudulent and should not be associated with my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of all unauthorized inquiries from my credit report. Please provide written confirmation once these inquiries have been deleted. 

I am prepared to provide any documentation needed, including identification or an identity theft affidavit, to support this dispute. 

Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XX/XX/year> XXXX XXXX flagged me for collections of {$150.00} I was notified by my XXXX  app then I had disputed this on my XXXX  app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: TN

Complaint narrative:
I believe that I've been on a payment plan for this bill already and they sent my information & bill addressed to me but to a family member 's email address, without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX transaction in the amount of {$1200.00} was debited from my SoFi checking account. I did not authorize this transaction, do not recognize the recipient ( 'XXXX  XXXX XXXX ), and have no knowledge of how it occurred. 

I reported this unauthorized transaction to SoFi on XX/XX/year> ( 5 days after occurrence ). SoFi has now denied my dispute twice. I have received a denial letter ( attached ) stating their reason for denial is that 'all login attempts were geolocated to the member 's designated location and consistent with previous login patterns ' and 'there were no signs of any Account Takeover ( ATO ). ' This denial is a misinterpretation of federal law and constitutes an insufficient investigation. 

1. SoFi 's Definition of Unauthorized is Too Narrow : An unauthorized transaction under 12 C.F.R. 1005.2 ( m ) is one initiated by someone other than the consumer without actual authority. My explicit statement that I did not authorize this transaction and do not recognize the recipient is paramount. SoFi 's finding of consistent login patterns does not prove my authorization of the specific {$1200.00} payment. It fails to consider other forms of unauthorized access such as malware, remote access, or session hijacking from my device.

2. Failure to Meet Burden of Proof : Under 12 C.F.R. 1005.6 ( b ), SoFi bears the burden of proving the transaction was authorized. Their analysis of login metadata is not proof of my authorization of this specific XXXX payment. 

3. Inadequate Investigation : SoFi 's investigation was limited to ATO detection and failed to consider all relevant facts, including my explicit denial and the unknown recipient.

4. Continued Regulation E Violations : SoFi has FAILED to provide provisional credit within 10 business days as required by 12 C.F.R. 1005.11 ( c ) ( it's been 34 days ).

SoFi has EXCEEDED the 10-business-day investigation deadline ( without provisional credit ).

SoFi 's denial letter, while providing some explanation, still FAILS to provide copies of the underlying documents it relied upon or inform me of my right to request them, in violation of 12 C.F.R. 1005.11 ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On Sunday, XX/XX/XXXX, I tried to buy boxes of game cards through XXXX which name was XXXX XXXX XXXX  and XXXX XXXX store. I communicated with the seller via XXXX XXXX, told them which product I wanted to buy, and even provided my home address and phone number. They asked me to send {$250.00} via Zelle. Without any suspicion, I registered their name and phone number and sent the money. Then they said they had shipped the package and that it would arrive the next day. However, I became suspicious because they claimed to have shipped it at XXXX XXXX. I searched online and found a video on the original XXXX account of the company stating that the site was a scam. The next day, XX/XX/XXXX, I received an email from the shipping company, saying I needed to pay {$180.00} for shipping insurance. I immediately contacted my XXXX XXXX  and filed a dispute claim. Seven days later, on XX/XX/XXXX, I received an email from the bank stating that my claim had been denied. I also emailed Zelle company, tried requesting a refund through Zelle using the phone number I was given, and contacted the seller via XXXX XXXX asking for a refund, but was refused. This site was a fake site impersonating the original company. However, they continued to act shamelessly, claiming they were legitimate. So I contacted the original company through their messenger service and explained the situation. They confirmed that I had been scammed and that many other people had also been victims, and that they were continuously requesting XXXX to take down the fraudulent site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My credit card was cancelled while I still had nearly 195,000 rewards points in the credit card. Amex was saying the credit card was cancelled because it was inactive but there was another Amex credit card was not cancelled due to inactive. I was not expecting Amex card would be cancelled because of not using it. They said they sent out the notification, but I did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
In XXXX, XXXX, my mom received an email from XXXX that they would be implementing a new loan servicing environment. This meant changes to the website, URLs and email addresses, and branding. The email explained it was an account transition. In XX/XX/XXXX, I received an alert from XXXX XXXX that my loans were not being paid and that my payments were many days past due. I immediately blew this off as a scam or misinformation because I never took loans out in my own name. I was never approved for loans in my own name so I had to take out loans in my moms name, and we consolidated a few of mine and hers. I called Ed Financial early XXXX and spoke directly with a representative about my account and the woman speaking with me would not hear me out or give me a second to explain the issue. She just exclaimed over and over that I need to pay. Shortly after this phone conversation, my credit score dropped XXXX points in response to my missed payments. I had a credit score over XXXX before it dropped. I reached out to XXXX XXXX to dispute the charges affecting my credit and they explained they did not have enough evidence to dispute. To this complaint, I have attached a few documents clarifying the information I have versus the information Edfinancial is using to warp my credit score. The documents attached will show the email XXXX sent to my mom about the rebrand, the 8 loans EdFinancial has in their records under my name, the confirmed payments made to XXXX from my mom through her XXXX account, screenshots from my XXXX  account with check marks confirming payments made ( even though EdFinancial says they are missed ), and a document with the total amount of my loans and my moms, and a confirmation of their payments. Please please please help me clear this confusion up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI

Complaint narrative:
b'Guardian Capital Management is attempting to collect an alleged debt associated with Account XXXX dispute this alleged debt in its entirety. On notice of the dispute, I mailed a written debt validation request via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX). Guardian Capital Management has failed to provide proper validation of the debt, including proof of ownership, complete chain of assignment, authority to collect, or documentation supporting the amount claimed.\n\nDespite the lack of validation, Guardian Capital Management continues collection activity and/or has contributed to inaccurate credit reporting. Continued collection or reporting without proper validation violates federal consumer protection laws.\n\nThe alleged debt has been assigned, and any continued attempt to collect or report listing me as the personal obligor is inaccurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My husband ( buyer ) and I ( co-buyer ) financed the vehicle through GM Financial. My husband died last year and I have continued to pay the loan on time. 

Florida will not renew the tag & registration without a letter from GM authorizing the renewal. I have contacted GM Financial numerous times, with the following four being documented : XX/XX/year> XXXXXXXX XXXX, spoke with XXXX ; XX/XX/year> XXXX XXXX spoke with XXXX after checking with local tax collector/DMV to see if they'd received the letter from GM and being informed they had not received it. XXXX informed they were waiting on a copy of the death certificate, which they did not request during previous calls and did not contact me to request even though they have my email and phone number - I uploaded the death certificate during the call at XXXX XXXX ; XX/XX/year> XXXXXXXX XXXX spoke with XXXX & supervisor XXXX who told me they were working on it ; XX/XX/scrub>XXXX XXXX XXXX spoke with XXXX, XXXX, and supervisor XXXX, none of whom could provide an update on the status. 

The tag and registration expired on XX/XX/XXXX and I can no longer drive the car, even though I'm still paying for it, since the tag is expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NC

Complaint narrative:
I went through XXXX XXXX XXXX for aligners. The service was never completed and they then filled for bankruptcy. Now all of a sudden, I have a collection account for over {$1500.00} on an account that never received services! I never once got an email or letter providing proof of ownership of the account, nor a phone call! I never got the chance to pay a balance off before it hit my credit either, so my credit took a MAJOR hit and nobody will answer my emails or calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NJ

Complaint narrative:
XX/XX/year>, {$430.00} XX/XX/year>, {$430.00} I am filing this complaint against American Express for their refusal to investigate and dispute unauthorized, illegal surcharges imposed by a merchant ( XXXX XXXX XXXX ), despite evidence of systemic fraud and violations of XXXX XXXX  XXXX XXXX ( XXXX XXXX ). 

The merchant has been systematically adding a 5 % credit card surchargewhich exceeds the legal limit and Amex 's own merchant agreementand a 4.5 % sales tax that is manually added to handwritten notes but hidden as a " Custom Amount '' on the official Square POS transaction. This deceptive practice was designed to prevent the discovery of these illegal fees. 

When I contacted American Express to dispute these charges ( some dating back 9 months ), the representative refused to assist with any transactions older than 60 days. However : This is not a simple billing error ; it is a documented merchant compliance violation and unauthorized transaction amount. 

The merchants use of " Custom Amount '' to hide illegal fees constitutes deceptive conduct, which should toll the discovery period for these disputes. 

By refusing to escalate this to their Merchant Compliance Department or open an investigation into these systemic illegal charges, American Express is failing to protect its cardmembers as required under the Fair Credit Billing Act ( FCBA ) and is allowing a merchant to profit from prohibited surcharging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
On or about XX/XX/XXXX, the alleged account was originated with XXXX XXXX XXXX XXXX In XXXX, NCB Management Services , Inc. began attempting to collect the alleged debt and filed a lawsuit in the 48th District court, XXXX XXXX ( Case No. XXXX ) amount : NCB Management claims an amount due on the alleged account the exact balance of which is disputed. 
Actions Taken by the company : NCB Management Services , Inc. claims ownership of the alleged debt but has assignment agreement, or documentation establishing chain of title or lawful ownership. Despite written discovery request, no proof has been provided showing that the debt belongs to NCB Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today I was checking my credit and I was alerted of of credit I did not authorize from Syncb care credit Im not aware if this

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, a wire transfer in the amount of XXXX {$3900.00} was initiated in connection with a legitimate business transaction involving music rights clearance for XXXX XXXX XXXX XXXX. The payment represented 50 % of an agreed-upon process to clear intellectual property rights. 

Due to transfer limitations at the time, the funds were temporarily directed to a Capital One personal account belonging to a verified business partner. Prior to initiating the transfer, the receiving account was successfully verified through Capital Ones micro-deposit verification process. 

Today Monday XX/XX/XXXX, Capital One representatives informed the account holder that the wire transfer was confirmed and would be credited by the end of the business day ( approximately XXXX XXXX ). Relying on this confirmation, no further action was taken by us or the payor. 

Subsequently, the wire transfer was halted and classified as suspicious without prior notice or a request for clarification. The account holder was then informed that her account would be closed. No detailed explanation was provided, and no opportunity was given to resolve or verify the transaction despite prior confirmation and account verification. 

As of today, the funds have not been credited, and clear information regarding the status or release of the wire transfer has not been provided. We are requesting a formal explanation for the reversal of the wire transfer, clarification of the basis for the account closure, and confirmation of when and how the funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Ive contacted citi card XXXX XXXX and XXXX about disputes on XX/XX/XXXX about purchases made at XXXX for the amounts XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Ive been told over and over they will dispute these charges but when I call back they say nothing has been disputed. Not sure what else to do its like they are ignoring me. They dont gove me a answer of why

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