vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: MN

Complaint narrative:
Harvard Collection Service. This account does not belong to me. According to the information reported, the account is over XXXX XXXX XXXX. At that time, I was only XXXX XXXX XXXX and legally unable to enter into any binding financial agreement. Therefore, it is not possible for this account to be mine. I am requesting that you conduct a full investigation into this matter and provide proper validation of this debt. If you are unable to verify that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was applying for the XXXX credit card because it was advertising a XXXX bonus miles AND 15-month introductory period with 0 % APR. I applied and was approved and saved a copy of the disclosure as I was applying, to which I was approved. This was in late XX/XX/XXXX. The card was shipped XX/XX/XXXX. There was no indication that I was not approved for the spending bonus nor for the introductory APR period. After talking to them on the phone ( XX/XX/XXXX ), they could not procure any actual copy of the same agreement sent to me in immediate response to my application approval. I noticed the lack of bonus/rates on my account page around XX/XX/XXXX but ended up calling them on XX/XX/XXXX. After researching, I have seen that they were actually involved in a class-action lawsuit in XXXX for the same practices, promising welcome bonuses and introductory rates all to which they have failed to honor the promised rates/bonuses to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: ID

Complaint narrative:
I was made aware of a fraudulent loan opened in my maiden name ( XXXX XXXX ) from XXXX XXXX. The loan was issued using my social security number, however my social security number is now tied to the last name XXXX. I notified XXXX XXXX via phone that the loan is fraudulent and was not taken out by me. XXXX XXXX confirmed that they had my file notated as such and that no additional action was needed from me to resolve with them. However, XXXX XXXX then sold my loan to Plaza Services LLC, unknown to me. Plaza Services has now reported this fraudulent loan to my collections credit report, even though I reported this loan as fraudulent with XXXX XXXX. This loan is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email appearing to be from XXXX indicating that an item I had listed for sale had been purchased and that I needed to complete a verification process to receive payment. I followed the link provided and entered my banking information. I was then informed that a transaction would occur ( for {$490.00} ) and the funds would be returned ; however, the funds were instead withdrawn from my account and not returned. At that point, I realized I had been the victim of fraud. I have not received assistance from XXXX, and my bank, SoFi, denied my claim, stating that no error occurred. As part of the appeals process, I have filed this police report to document the fraudulent activity and am now submitting this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 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:
Trying to receive money multiple times through XXXX theyve stopped transactions from transferring without any valid answer every time except one and now my account has been flagged and they are holding money and wont release it and wont give me a reason or why other than random selection and refused to help fix this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am reporting, in good faith, as a victim of coerced transactions and financial exploitation. This activity resulted from a sustained period of extreme duress involving stalking, criminal intimidation, and threats, as documented in XXXX Police Report XXXX and my attached FTC Identity Theft Affidavit. Between the start of XX/XX/XXXX and end of XX/XX/XXXX I was under a state of distress, helplessness, and duress as an individual utilized digital trackingincluding sending geo-points of my home and real-time locationand spoofed phone numbers to issue credible threats against my safety. The perpetrator sent graphic images of death and violence, impersonated a federal agent using a fraudulent FBI badge, and threatened to kill or shoot me and my loved ones. I was also stalked at my place of employment. This created a persistent state of psychological duress and a " tainted mind, '' where my financial decision-making was entirely overborne by fear and the necessity of survival. I have recently realized my rights and protections to speak out about this experience and seek justice. Because of this ongoing coercion and the total lack of effective consent, all transactions and account activity on my Chime XXXX and Chime XXXX XXXX accounts during this window were non-consensual and unauthorized. Under FCRA Section 605B and Regulation E, I am requesting that Chime treat this period of activity as resulting from criminal extortion and coercion. I am seeking to restore my financial standing and ensure these events no longer penalize my future. The accounts may remain reporting in good standing, but the transactions from XX/XX/XXXX XXXX XXXX need disputed as applicable to my account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
On XX/XX/year> I noticed two fraudulent charges made on my debit card, {$350.00} & {$31.00}. I contacted E * Trade and reported them. My card was cancelled and I was told the charges would be researched and provisional credits would be issued within 10 days. On XX/XX/year> I noticed two additional charges made on my debit card, {$45.00} & {$230.00}. I called E * Trade and they said that my old debit card was used for those charges, and they would add them to the original fraud case. On XX/XX/year> I received two provisional credits for the two charges I reported on XX/XX/year>. I contacted E * Trade and was told that they were still working on the other two charges and I should see credits soon. On XX/XX/year> I called E * Trade asking why I was not given provisional credits for the other two charges and was told that that they needed more time to research the charges. On XX/XX/year> I called E * Trade and asked again when I would be credited for the {$45.00} & {$230.00}. I was told that they would escalate the request and it would be another few days. On XX/XX/year> I called E * Trade and asked again when I would be credited for the {$45.00} & {$230.00}. I was told that they would escalate the request and it would be another few days. On XX/XX/year> I called E * Trade and spoke to a supervisor in their fraud department and was told that the final two credits were approved, and I should see them within 24-48 hours. On XX/XX/year> I was credited {$45.00}. I still have not received a credit for the {$230.00} charge. E * Trade has also not sent any notification that they have denied my fraud claim. I would like the {$230.00} returned to me that was stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I was using XXXX XXXX XXXX XXXX. In XXXX, I learned that XXXX could not provide internet to my home because of some issue with a network disruption ( see first document ). After numerous attempts, XXXX was unable to re-establish service. They refunded money for my bill and asked me to return the three pieces of equipment. I had two 'XXXX ' and a booster, as XXXX was trying different strategies to see if it was an equipment issue that was preventing me to obtain service. I was instructed to return all three pieces of equipment to XXXX for shipping. I returned three pieces of equipment and received a receipt from the XXXX store ( see documents 2 and 3 ). In XXXX, I received a bill from XXXX for XXXX, saying that I had only returned two pieces of equipment ( see document 4 ). I called XXXX immediately, and was told not to worry, that it might take them several weeks for the equipment to get matched up with my account. In XXXX and XXXX, I received bills with the amount still owing. I would call XXXX and was told each time that they had removed the charge ( my notes for each interaction are written on document 3 ). In XXXX, I received an email saying that they had found the piece of equipment ( see document 5 ). In XXXX, I noticed that I had received a negative report on my credit report from XXXX, saying that I owed XXXX XXXX. I called XXXX immediately and they told me that I had been turned over to their collections arm, TSI. I called TSI and was told that I was indeed in collections now with XXXX. I disputed that I owed any money to XXXX, was told how to dispute the charge ( email to XXXX ) which I promptly did on XX/XX/XXXX. I didn't hear back from TSI, so called after a few weeks and was told that they were not removing the charge, but I could pay XXXX and get it removed from my credit report. I filed another dispute with TSI again, on XX/XX/XXXX. Again, I didn't hear back from TSI. Today, XX/XX/XXXX, I called TSI again, and was told that they weren't going to do anything but that I could pay XXXX and have it removed from my credit report. The person today kept saying that I owed money on my cellphone bill and I explained to her that I never had cell phone service with XXXX. She said it didn't matter - that I owed the money and there was no one else I could speak to regarding the matter. The individual I spoke with was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was called 30 times a week for several weeks. Today I called and asked if they knew how many times they called me in the past week and they said XXXX. When I told them they arent allowed to call me 30 times in one week, they said yes we can.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
I called IQ DATA multiple time about receiving my account numbers on the owed debt and one wasn't told the right numbers then they started to refuse to give them to me and told me they only take payments over the phone and since im not paying they are hanging up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding my auto loan with American Credit Acceptance and a serious discrepancy in the payoff amount quoted to me. My loan was approved by XXXX XXXX XX/XX/year> and On before XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX I reached out to American credit acceptance accessed my account online and obtained a payoff amount of {$21000.00}. Based on that quoted amount, a check for the full payoff balance was issued and sent. The company they received the check on XX/XX/year>. However, when I contacted American Credit Acceptance today to confirm the status of the payoff, I was informed by representatives that the payoff amount has since changed. I am currently unable to view the updated payoff amount online, although the representatives indicated they are able to see the new balance internally. This situation raises serious concerns. I relied on the official payoff amount provided by the company when issuing the check. A payoff quote should be honored if payment is made within the valid timeframe, or at minimum clearly disclose any conditions or expiration terms. Changing the payoff amount after receiving paymentwithout transparency or access to updated informationcreates confusion and potential financial harm. I am requesting the following : * That American Credit Acceptance honor the original payoff amount of {$21000.00}, as quoted prior to receiving my payment. * A clear explanation of why the payoff amount changed after payment was received. * Immediate access to updated account and payoff information through their online system. * Confirmation that my account will be properly closed upon resolution of this issue. This matter needs to be addressed promptly, as it directly affects my financial standing and loan closure. I expect a fair resolution based on the payoff amount that was provided and relied upon in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Subject To Whom It May Concern, I am submitting a formal complaint against a company regarding ongoing harassment and failure to comply with my requests to cease communication. Over an extended period, I contacted the company numerous times via chat, email, and phoneapproximately 25 separate attemptsexplaining that I was experiencing financial hardship and requesting assistance, including a reduction in fees to make repayment manageable. The company refused to provide any form of assistance. Subsequently, I informed the company multiple times, both in writing ( email and chat ), that I had enrolled in a debt resolution program and that I am represented by an attorney. Despite this, the company has continued to contact me directly. I have explicitly requested that all communications cease and that any further correspondence be directed to my legal representative. I also cited my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the company has ignored these requests and instead escalated their behavior. I am now receiving daily communications, including repeated text messages and emails. After notifying the company that I intended to file a complaint, the frequency of these communications increased further. This pattern of conduct feels harassing, excessive, and intimidating. I am requesting that this matter be investigated. Specifically, I ask that the company be required to : Cease all direct communication with me immediately Direct all future communications to my attorney Review and address their collection practices for compliance with applicable laws I have retained records of my communications, including emails, chat transcripts, and logs of repeated contact attempts, and I am prepared to provide this documentation upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I was charged XXXX for credit repair services by an individual that did not delivery services. Expected date was before XX/XX/XXXX. I expected for him to fil all legal documentation in regards to my bankruptcy. The individual stop answering his phone and refuse to grant service and or refund. Since then I received a XXXX. Refund from him. The dispute was initiated on XX/XX/04 and the 10 business day passed and the bank did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I have been employed full-time by a qualifying public service employer since XXXX and have been enrolled in the Public Service Loan Forgiveness ( PSLF ) program since XXXX. In XXXX, my loan servicer advised me to switch to the SAVE income-driven repayment plan. Following this change, my loans were placed into forbearance related to the SAVE plan transition. As a result, I have not received credit toward PSLF for approximately 18 months. In XX/XX/XXXX, I submitted an application to change my income-driven repayment ( IDR ) plan in order to exit this forbearance and resume making qualifying PSLF payments . As of today, more than 12 months later, my application remains unprocessed. I contacted my loan servicer for assistance and was told to submit a new IDR application, despite the fact that my original application is still pending. This guidance is inconsistent and would likely further delay processing. I also submitted a complaint to XXXX XXXX XXXX Ombudsman. I was informed that I would receive a response within 15 days, but more than 20 days have passed with no response. Due to these delays and lack of proper processing, I have been unable to make qualifying payments toward PSLF, resulting in the loss of significant progress toward loan forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I have contacted Toledo Finance to explain my hardship and how I can no longer give the payment of my installment loan as I lost my job. I spoke with XXXX who has proceeded to call several family members, non stop. She calls me every single day after I have asked to stop and send emails as a form of communication.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified collection accounts being reported on my credit file by multiple furnishers and credit reporting agencies. I am disputing the following accounts in their entirety : 1. XXXX XXXX XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX Previously disputed on XX/XX/XXXX. This account was previously disputed, but the response I received failed to provide competent evidence supporting the accuracy of the reporting. The response relied on insufficient documentation, including an electronic signature, which does not satisfy the requirements of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i. 2. XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} Original Creditor : XXXX This account has not been properly validated and lacks sufficient documentation to support continued reporting. I am requesting the credit reporting agencies and furnishers provide : The method of verification used for both accounts Copies of all documentation relied upon to verify the accounts The name and contact information of each furnisher The date of first delinquency for both accounts Most importantly, I am demanding deletion of these accounts if proper verification can not be provided. Continued reporting without competent verification may constitute inaccurate reporting and failure to conduct a reasonable investigation under the FCRA. I am requesting immediate deletion of these acc

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