vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Cullimore & Coleman, PLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding the conduct of a law firm, Cullimore & Coleman , P.L.L.C., in connection with the collection of an alleged debt tied to a prior rental account ( Account XXXX XXXXXXXX Case number- XXXX XXXX on XXXX XXXX. I believe the firm has engaged in improper and potentially unlawful debt collection practices, including misrepresentation of the debt, failure to provide validation upon request, and the use of coercive and intimidating tactics. Summary of Events : - I proactively contacted the firm in good faith to resolve the balance on my account and entered into a payment arrangement. - Upon reviewing the charges, I identified what I believe to be an inaccurate or wrongful charge in the amount of {$1200.00}. - I immediately raised this concern and requested a detailed, itemized statement and supporting documentation to validate the charge. - Rather than addressing my request, the firm shifted the conversation toward wage garnishment and escalated the matter without resolving the dispute. - I was also told to have an attorney contact them, despite the fact that I do not currently have legal representation and did not state otherwise. Concerns : XXXX. Failure to Validate Debt : Despite my request, the firm has not provided sufficient documentation to support the disputed charge, as required under applicable consumer protection laws. XXXX. Misrepresentation and Intimidation : The firm introduced the threat of wage garnishment while the account was actively being disputed and while I was attempting to resolve the matter in good faith. This felt premature and coercive. XXXX. Refusal to Communicate Appropriately : The firm has attempted to limit communication by instructing me to route all contact through an attorney I do not have, which has hindered my ability to resolve the matter directly. XXXX. Unprofessional Conduct : Prior interactions with the firm have included abrupt communication and a lack of professionalism, including a phone call being disconnected while I was attempting to request clarification and documentation. On top of an unprofessional email being sent when I simply requested a letter or email stating attorneys were reviewing the account I received a wordy email pertaining to disputes, defaulting on payment and garnishment of wages instead of proof of the charges. Instead of just letting me resolve and pay, I was met with more push back as if it was my fault for not paying something I needed to know more about and see a description of before paying as any person should know what they are paying and why. Especially if the charge is not specified in the lease I signed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I noticed my credit card had an annual fee and I really wasnt aware of this so when I called in and ask if theres anyway I can transfer to a different card that didnt have an annual fee and the representative said no we dont have one, but you can take your time paying your annual fee or if you dont pay it it wont affect your credit. I didnt wan na close the account because that affects my credit well then I get an alert that I got a negative report on my credit so Ill call back in. I pay the annual fee because I dont want it to continue to mess up my credit and I talked to another representative and she told me that they can transfer me to a new card and that she put a request in for me to get my annual feedback and a request to reverse the negative report on my credit report. I did receive the new card in the mail so I called back to see if everything else was taken care of and I was told that the annual fee reimbursement was denied and I dont understand how I paid an annual fee to a card that I no longer have because Ive been transferred to a new card. I was giving misinformation and made choices due to this misinformation and now I am out an annual fee on a card. I dont even have and I want my credit report fixed and I want my annual fee back

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 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I requested information from them over 60 days ago They were supposed to investigate the theft of the title to my home with is a felony I. The state of Illinois They along with XXXX XXXX XXXX XXXX has lied and decline to tell me where the title to my home is located so I can sell the property Title tampering and theft is a federal crime They are aware that a rogue debt collector XXXX XXXX along with keynote consultant both conspired and placed an illegal lien on my property for no legal reason other that the fact that XXXX a XXXX personand they are trying to steal my XXXX property that my family and I reside in. I can not sell the property because the title is stolen and they will not assist me in this matter which has been going on for several years They would never had done this to a white family and Im asking that you forward this felonious activity to the department of justice FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity Properties Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX I am disputing an inaccurate medical collection being reported on my credit report. A collection account for {$4200.00} is being reported by Fidelity Properties Inc, with XXXX XXXX XXXX listed as the original creditor. I do not recognize or owe this debt. I have reviewed the original providers billing system, which shows no active balance due and no payable amount available under my account. This directly contradicts the collection being reported. Despite this, the collection agency continues to report this account without providing proper validation, including any itemized bill, proof of services, or documentation confirming I am responsible for this debt. I have already attempted to resolve this through the credit bureau, but the account was improperly verified without sufficient evidence. This inaccurate reporting is causing harm to my credit and financial standing. I am requesting a full investigation and immediate removal of this account due to lack of proper validation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am disputing a rental debt that I do not owe. I provided proper notice to vacate and my lease ended XX/XX/XXXX. I moved out of the unit on XX/XX/XXXX and paid all required rent, utilities, and early termination fees at that time. Despite this, the apartment complex reported a balance that included charges through XX/XX/XXXX, including prorated rent and utilities for dates after I had already vacated the unit. Because these charges are based on incorrect dates, the balance being reported is inaccurate and invalid. Additionally, throughout my tenancy, I experienced ongoing billing issues, including unauthorized XXXX charges that I did not enroll in. I disputed these charges multiple times via email and was instructed by the property to pay my balance excluding those fees. However, these charges were still included in the final balance that was sent to collections. On XX/XX/XXXX, I contacted the collection agency to dispute the debt and provided supporting documentation. This was the first of multiple emails and phone calls I made in an attempt to resolve the issue. Many of these attempts went unanswered or were not properly addressed. On XX/XX/XXXX, I spoke with the property manager, who acknowledged that the debt was incorrect and stated that it would be corrected and recalled from collections. Despite this, the account continues to be reported and collection efforts have continued. Because the charges are based on incorrect information and the original creditor has acknowledged the error, I do not owe this debt. I am requesting that this account be removed and that all collection activity cease immediately.

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 2026-03-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 9 weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates. The company stated that " we are unable to confirm the facts of loss ''. However, they are able to based on the facts and documents I provided. Per the claim submission, the item was lost at the same location as the claim states which is XXXX XXXX XXXX, XXXX XXXX, CA. I have provided the business a copy of the lease agreement to prove the home of residence, yet the business is unclear as to what else they need. The shipping address is has nothing to do with me loosing the item at my residence which all that is required per the insurance policy. Additionally, here are the response to the business ' letter : " You filed Purchase Protection claim XXXX XXXXXXXX on XX/XX/year>. '' Correct. This matches all the documents submitted towards the claim. You claimed the item was lost in your home located in XXXX XXXX, CA Correct. I attached my lease agreement for your review and convenience. We confirmed that the item was shipped and delivered to an address in XXXX, CA. Correct. I was visiting my family there and needed the item shipped there. " There is no record of any weekly calls made into our office regarding this claim. '' False. My phone has calls logs and there are notes created by the phone agents of each time that I called. I can provide this information upon request. The lease agreement does not prove you were in possession of the item, and the item was lost in your home located in XXXX XXXX, CA False. I was living at the location of loss and attached to this message is the lease agreement. I attached it for your review and convenience. . We have not requested any additional information from you. Correct. If you not need anything else, then what is the delay with processing the claim? Attached is the proof that I was living at the XXXX XXXX the time of loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My bank TD Bank called me to notify me of potential fraud on my bank account so I checked my account, I open my app from time to time but I dont usually scroll that much so I did not notice until it was brought to my attention but between the dates of XXXX XXXX there are countless charges from XXXX XXXX on my account so I called customer service and disputed all of them, some were pending still so I had to call back a few times to dispute those charges when they eventually postedcredit was provisioned to my account as TD Babk acknowledged the fraudbut as XXXX XX/XX/XXXX they reversed the provisioned credit so I called an agent and they stated the reasoning was that I had checked my app while fraudulent charges were being made, I never noticed the charges until it was brought to my attention as I work everyday Im a very busy person, I re-filed the disputes and escalated the situation but what they are doing isnt right and I want my hard earned money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
am filing this complaint regarding an urgent and unresolved issue with Chase Bank that is causing me severe financial hardship and immigration-related distress. I am currently in the United States under a XXXX visa. My work contract ended on XX/XX/XXXX, and I am required to leave the country by XX/XX/XXXX, which is the expiration of my visa. Due to this unresolved issue with Chase Bank, I am unable to access my funds or make arrangements to return to my home country. A check issued in my name was deposited into a friends Chase account on Monday, XX/XX/XXXX, because I did not have a bank account at the time and was unfamiliar with U.S. banking procedures. Shortly after the deposit, Chase froze the account and requested identity verification from me as the owner of the check. Since then, we have been trying to resolve this issue continuously : We have called Chase customer service multiple times throughout the entire week, but no one has been able to provide a solution. I personally went to a Chase branch on XX/XX/XXXX, but I was not given any resolution. My friend ( the account holder ) went again on XX/XX/XXXX, and the issue remains unresolved. Chase informed us that they require verification through a phone number under my name. In order to comply, I : Obtained a new phone number with XXXX under my legal name. Confirmed with XXXX that my name is correctly associated with my number. Opened my own Chase account to further establish my identity. Despite all of these efforts, XXXX continues to state that they can not find my number under my name and refuses to proceed with verification. No alternative method has been offered. Additionally, I have received inconsistent and unhelpful responses from different representatives. Each time I call, I am given different information, and no one is able to clearly explain the process or provide a solution. I have been sent in circles without any resolution. This situation is causing severe consequences : I have already lost my flight due to lack of access to my funds. I am currently unable to pay my rent. I am under significant emotional stress. I can not leave the country as required because my funds are inaccessible. Chase Bank is refusing to provide any alternative method of identity verification, such as in-person verification with government-issued identification, and continues to rely on a phone-based system that is clearly not working in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. The account in question has not been properly validated, and I am requesting its removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Account Information : Creditor Name : Capital one I previously requested validation of this debt, and to date, I have not received sufficient documentation to verify that this debt is accurate and belongs to me. As such, this account is being reported without proper validation and was sold to a third party who has not provided any documentation. Under federal law, if a debt can not be verified, it must be removed from my credit report. I am requesting that you conduct a reinvestigation of this account. If the creditor or collection agency can not provide adequate proof of the debt, I ask that you promptly delete this account from my credit file. Please provide me with written confirmation of your investigation results and notify me once the item has been removed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid a total of {$6000.00} using my debit card for what was represented as a full year of premium access to an online sports betting information service. The merchant also advertised a money-back guarantee. After becoming dissatisfied with the service and believing the guarantee should apply, I initially attempted to resolve the issue directly with the merchant and requested a refund. When the merchant did not honor the money-back guarantee or provide a resolution, I filed a dispute with my bank. During the dispute process, on XX/XX/XXXX, my premium access to the service was removed without prior notice or explanation, even though I had already paid for a full year. From that point forward, I was unable to use the premium features included in my purchase. I provided additional evidence to my bank, including screen recordings showing that I no longer had access to the service and documentation of my attempts to contact the merchant. I submitted appeals explaining that the service had been terminated early and was therefore not fully delivered. Despite this, my dispute and subsequent appeals were denied. I believe I was charged for a full year of services that were not provided, and that the removal of my access during the dispute further supports that the paid service was not fully delivered. Supporting documents attached : Bank denial letter showing my dispute and appeals were rejected Dispute reconsideration document explaining my claim and timeline Screen recording showing that I no longer have access to the premium service I fully paid for Messages showing my attempts to contact the merchant and resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MO

Complaint narrative:
In XX/XX/scrub> 2026, I discovered an account on my credit report that I did not open or authorize. I submitted a dispute to the credit reporting company requesting a reasonable reinvestigation, the method of verification, and documentation demonstrating that the account is accurate and properly associated with my credit file. Despite my request, the company failed to provide any verification or documentation to support the accuracy and proper association of the reported account. The account continues to be reported without being certified as accurate. As a result, this inaccurate information remains on my credit report and continues to negatively impact my credit profile.

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 2026-03-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates. The company stated that " the documented delivery information does not align with the loss details that were reported, we are unable to validate that a covered loss occurred ''. However, they do match. Per the claim submission, the item was lost at the same location as the claim states which is XXXX XXXX XXXX, XXXX XXXX, CA. I have provided the business a copy of the lease agreement to prove the home of residence, yet the business is unclear as to what else they need. The shipping address is has nothing to do with me loosing the item as my residence. Additionally, here are the response to the business ' letter : " You filed Purchase Protection claim # XXXX on XX/XX/year>. '' Correct. This matches all the documents submitted towards the claim. " You claimed the item was lost in your home located in XXXX XXXX, CA '' Correct. I attached my lease agreement for your review and convenience. " We confirmed that the item was shipped and delivered to an address in XXXX, CA. '' Correct. I was visiting my family there and needed the item shipped there. " There is no record of any weekly calls made into our office regarding this claim. '' False. My phone has calls logs and there are notes created by the phone agents of each time that I called. I can provide this information upon request. " The lease agreement does not prove you were in possession of the item, and the item was lost in your home located in XXXX XXXX, CA '' False. I was living at the location of loss and attached to this message is the lease agreement. I attached it for your review and convenience. . " We have not requested any additional information from you. '' Correct. If you not need anything else, then what is the delay with processing the claim?

Company response to consumer: Closed with explanation