vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
b'Formal Complaint  Unauthorized Line of Credit, Fraudulent Transfers, and Negligence\n\nTo Whom It May Concern,\nI am submitting a formal complaint about serious fraud on my American Express account. American Express did not follow the necessary security and fraud-prevention steps. This has caused me significant financial harm.\n\nOn or about XXXX XXXX XXXX, an unauthorized third party gained access to my American Express account. This person opened a XXXX credit line in my name without my knowledge or permission. The funds were transferred to my business checking account. Then, they were moved to out-of-state accounts I do not know and did not approve.\nI did not apply for, approve, or benefit from this line of credit. American Express never contacted me to check on this large credit transaction. I also did not receive any alerts, calls, or fraud warnings, even though there were clear signs of possible fraud.\nFor the whole month after I found this fraud, I tried many times to contact American Express. I filed disputes and reported the activity as fraudulent. Despite these efforts, my complaint was denied. I was ultimately informed that I am being held responsible for the fraudulent line of credit.\n\nAs of today:\nMy account has been frozen\nMy fraud complaint has been denied\nI have been told I am responsible for a debt I did not authorize.\n\nThis outcome is not acceptable. It seems to come from American Express not following its security and fraud-prevention rules. American Express says it could not reach me while approving the loan. However, it found my phone number in XXXX just when the payment on the fraudulent loan was due. This contradiction further demonstrates negligence in account monitoring and customer protection.\n\nAmerican Express did not act properly, and I should not pay for losses that came from:\n\nUnauthorized account access\n\nFailure to verify identity before issuing credit\n\nFailure to notify or confirm large financial transactions\n\nImproper handling and denial of a legitimate fraud claim\n\nI am requesting immediate resolution of this matter, including:\n\nFull removal of the fraudulent line of credit from my account\n\nWritten confirmation that I bear no financial responsibility for this debt\n\nRestoration of my account standing\n\nA full investigation into how this fraud occurred and why proper protocols were not followed\n\nIf this issue is not fixed quickly, I will take further steps. I will report this complaint to the relevant regulatory agencies and seek legal advice.\n\nPlease consider this letter a formal notice of dispute and demand for correction.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding SouthState Bank  for reporting an account under my name to XXXX  that I have no knowledge of and did not authorize. 

My name is XXXX XXXX, and I recently discovered that SouthState Bank has furnished information to ChexSystems regarding an account allegedly associated with me. I did not open, apply for, or consent to any account with SouthState Bank, nor did I authorize the use or disclosure of my personal identifying information for the creation, reporting, or sale of any account-related data. 

At no time did I give SouthState Bank permission to establish an account in my name or to furnish, sell, or share my personal information for monetary gain or any other purpose. The reporting of this account to ChexSystems is inaccurate, unauthorized, and has negatively affected my ability to access banking services. 

This matter raises serious concerns regarding identity misuse, improper data handling, and violations of consumer protection and fair reporting laws. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require SouthState Bank to : 1. Provide full documentation proving my alleged consent and authorization for the account.

2. Immediately remove any inaccurate or unauthorized information reported to XXXX.

3. Cease any further reporting or dissemination of my personal information related to this account.

4. Confirm in writing that this matter has been resolved. 

I respectfully request prompt assistance in resolving this issue, as it is causing ongoing financial harm and distress. Please let me know if any additional information is needed from me to support this complaint. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT MEDIATIO XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX Fl, XXXX, FL XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Collection Reported : XX/XX/XXXX Amount : {$700.00} Assigned : XX/XX/XXXX Balance as of XX/XX/XXXX : {$700.00} Date of XXXX Delinquency : XX/XX/XXXX Last Payment Date : None Additional Information : None Original Creditor : XXXX XXXXXXXX XXXX Creditor Classification : Personal Services Status as of XX/XX/XXXX : Unpaid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
XXXX yrs ago my income tax was sent to my PayPal account and PayPal froze my account saying I violated their rules and regulations and or was fraudulent activity and said I can withdraw XXXX days later. XXXX passed and they said that until the FBI give them the ok to unfreeze my account they can't do anything than hung up. I called every XXXX to 4 months and either got hung upon or can't answer my questions on why my account is still frozen and blocked after XXXX yrs with no reasoning. I cant even access the account anymore because I don't have access to the email attached. I tried to update but they didn't allow me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint regarding USAA Federal Savings Bank 's denial of reimbursement for an unauthorized electronic funds transfer resulting from fraudulent online banking enrollment and account takeover. 

In XX/XX/XXXX, an unknown third party fraudulently created a USAA online banking profile in my name. I had never enrolled in USAA online banking. Using this unauthorized access, the fraudster then added external bank accounts falsely listed under my name and initiated multiple transfer attempts. 

After XXXX failed attempts in early XXXX, a transfer of {$4900.00} was successfully completed on XX/XX/XXXX, from my and my husband 's joint savings account to an unknown account at a XXXX  XXXX XXXX where neither of us has ever banked. 

USAA had valid phone numbers and an email address for both of us as joint account holders, and had previously sent legitimate account alerts via text. However, no text, email, or phone alerts were sent for the external account additions or transfer attempts. Notifications were only sent to the inbox of the fraudulently created online banking profile which we did not know existed. 

We discovered the unauthorized transfer on XX/XX/XXXX, and contacted USAA. USAA confirmed the existence of the online banking profile in my name, and required me to verify my identity using a drivers license and selfie. They assisted me in taking control of the online profile, removing the fraudulent external accounts, and denying pending transfers. 

Despite these actions, USAA denied the dispute of the fraud transfer, stating that the transfer was " initiated by an authorized user '' without providing evidence or sufficient documentation.

I have filed an identity theft report with the FTC, the IC3, and a police report. I have sent copies of these to USAA to help them understand the identity theft that has happened to me. 

This has not been resolved by USAA properly. The fraudulently created online banking profile should not have established any authorization to transfer funds. USAA has not explained how the unknown third party was authenticated, or how alerts failed. And USAA 's actions implicitly acknowledge unauthorized access while its dispute determination contradicts that reality.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OR

Complaint narrative:
Company Name Jefferson Capital Systems LLC Type of Product/Service Debt collection / Credit reporting Jefferson Capital Systems LLC is reporting a collection account on my XXXX  and XXXX  credit reports that I do not recognize and do not owe ( or can not verify ). The account is showing a balance of {$2000.00}, an open date of XX/XX/year>, and an account number XXXX. 

I have no knowledge of this debt, and I have never received any written notice, phone call, or validation from Jefferson Capital Systems prior to the appearance of this collection account on my credit reports. Because I was never contacted, I had no opportunity to dispute or request validation before it was reported. 

This account is damaging my credit and is being reported without proof that it is accurate or that I am responsible for it. 

What is your desired resolution? 

I am requesting that Jefferson Capital Systems LLC : Provide full debt validation and supporting documentation proving I owe this debt ( including original creditor information, account history, and evidence of legal responsibility ), OR Delete the account immediately from XXXX  and XXXX if they can not provide complete validation, and Correct any inaccurate reporting and confirm the account is removed or updated properly with all credit bureaus. 

Request CFPB to Investigate Possible Rights Violations Additional details/ Possible violations to investigate I am requesting that the CFPB investigate whether Jefferson Capital Systems LLC violated my consumer rights by reporting this collection account to the credit bureaus without first providing required validation and notice, and by furnishing information that appears unverified and inaccurate.

Specifically, they reported this debt as a collection account on my credit report without ever contacting me or providing proof that the debt is legitimate and belongs to me. This raises serious concerns about compliance with federal consumer protection and credit reporting laws, including requirements to ensure the accuracy of information furnished and to provide validation when a debt is disputed.

I am requesting the CFPB require Jefferson Capital Systems to document how they verified this account before reporting it, and to stop reporting any unverified or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX The vehicle was advertised and represented to me by the dealer as costing {$32000.00}, including the window sticker and verbal statements. I relied on this price when I provided a {$23000.00} down payment. 

At delivery, the dealer initially presented a different vehicle than the one I selected. After I objected, they provided the vehicle I originally chose. I later learned that the loan was originated using a significantly higher cash price ( near {$50000.00} ), which I was never shown, told, or knowingly agreed to. 

This vehicle was not worth that amount even when new. I would not have agreed to the transaction had the true price been disclosed. I contacted the lender for clarification and received paperwork showing the higher price. I believe the loan reflects misleading advertising and misrepresentation at the time of purchase, and I am requesting investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX cash allowed fraud on my account and for all my funds to ( {$600.00} ) to be taken. Cash App only refunded me {$200.00} out of the {$600.00} I never received the rest of my refunds They only issued XXXX refund and said the other XXXX transactions were authorize Im not understanding how I was only refunded XXXX of the transactions actions back when they all where maid a min apart form each other none of this transactions were XXXX by me or made using my card. I still have my physical card and I had it at the exact time my account was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MI

Complaint narrative:
I am writing to formally dispute and request the discharge of my private student loan serviced by Navient, which originated on XX/XX/year>, for enrollment at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX a branch of The XXXX XXXX XXXX XXXX. 

At the time this loan was originated, I was misled into taking out a private student loan without a clear understanding of the long-term financial consequences. I was a young student with limited financial literacy and was not adequately informed of my options, protections, or the true cost of this loan. The original principal balance was {$13000.00}. 

Since that time, Navient has made it extraordinarily difficultif not impossibleto pay this loan off in a reasonable or transparent manner. To date, I have paid a total of {$18000.00} in accrued interest alone. I have been making monthly payments for approximately 15 years, including payments made before the loan was even officially due for repayment. Despite this, I am still being told I have a current balance of {$7600.00} remaining. 

By the time this loan is paid off, the total amount paid will exceed XXXX XXXXor morenearly double the original loan amount. This is not reasonable, ethical, or justifiable for a {$13000.00} loan. 

Throughout the life of this loan, Navient has repeatedly misreported my payment history, falsely claiming I missed payments. On multiple occasions, my payments were suddenly doubled, which Navient later admitted was due to a system error. These errors caused financial hardship, emotional XXXX, and damage to my credit. Navients servicing failures have directly contributed to negative credit reporting, which impacted my ability to secure housing, credit, and financial stability in the years following graduation. 

Additionally, upon graduating, I was unemployed and requested income-based or hardship repayment assistance. Navient refused to place me in an income-based plan or offer meaningful relief, despite my lack of income at the time. This forced me into a cycle of payments that I could not realistically afford, compounding interest and prolonging repayment indefinitely. 

This loan has been a living nightmare. A {$13000.00} loan should never take 15+ years to repayespecially when the borrower has made consistent payments. The structure, servicing, and handling of this loan amount to predatory lending and financial exploitation. At no point has repayment felt fair, transparent, or attainable. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX XXXX. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX XXXX. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX XXXX. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX XXXX. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2026-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a co-owner on title and successor in interest. I have lived in this home for over 30 years. I submitted a complete loan modification application to SPS through their portal and by email, I have been trying to deal with this company for 2 years and I just this last week was Finally assisten in gaining access to the online portal! THIS HAS BEEN EXTREMELY STRAINING AND i have ongoing serious medical hardship. I just had XXXX and have been delaying going in for the next because I might lose my home if I miss some " new updates or " wrongly formatted document '' when the hospital admits me Again!!. 
SPS is repeatedly requesting additional documents and stating review takes 30 days while a foreclosure sale is scheduled for approximately XX/XX/year>. I completed my application XX/XX/XXXX and they are yet again requesting moreproof of residency. This appears to be illegal dual tracking and application stalling in violation of XXXX  Homeowner Bill of Rights ( Civil Code 2923.6 and 2924.11 ). 
SPS has also failed to properly recognize me as a borrower and owner and continues to treat the loan as belonging only to my deceased mothers estate. 
I request immediate intervention to stop the foreclosure sale, place a foreclosure hold, recognize my successor status, and complete a good-faith review of my modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am disputing the balance that Affirm claims I owe. I do not recall ever opening an account with Affirm or authorizing any purchases through their service.

I was having XXXX XXXX  and XXXX  issues and had XXXX in XXXX but I was having pain for about 5 months before XXXX and pain was just that bad that I couldnt take care of myself. 

I told Affirm even though I disputed the way it was handled, I would be willing to pay for the item. I was denied because this is how they handle disputes because they knew it would ruined my credit. I cant get anything on credit as long as this negative entry remains.

During XXXX, I did make multiple purchases from XXXX while preparing my property for rental. However, to the best of my knowledge, none of those purchases were made using Affirm as a payment method.

Affirm has sent me a bill for charges I do not recognize and did not authorize. If Affirm asserts that these charges are valid, I am formally requesting full documentation, including the date the account was opened, the method of authorization, the merchant information, and proof that I agreed to any loan or payment plan.

Until such verification is provided, I dispute this debt in its entirety and requests a full report of what Affirms says that owed. Affirm along with XXXX is fraudulent using Affirm credit even though I had a valid debit card on file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: IN

Complaint narrative:
I got a notification from credit reporting agency that there was a new collection on my credit. I looked at what it was and it was from southern management. I was never notified about the debt, and when I tried calling I was on hold and then they hung up on me.

Company response to consumer: Closed with explanation