vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX [ Collection Agency Address ] [ City, State, ZIP Code ] Re : Account Number : [ XXXX ] Credit Bureau XXXX : XXXX XXXX XXXX XXXX XXXX To Whom It XXXX Concern, I am writing regarding the above-referenced account that your company is currently reporting to XXXX or more credit reporting agencies. 

I dispute the accuracy and validity of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Please provide proper validation of this alleged debt, including but not limited to : XXXX. The name and address of the original creditor. 
XXXX. The original account number. 
XXXX. The date the account was opened and the date of the last payment. 
XXXX. The full amount claimed, including an itemized breakdown of interest, fees, and charges. 
XXXX. Copies of any agreement, contract, or other documents bearing my signature that show I am legally obligated to pay this debt. 
XXXX. Proof that your agency has the legal authority to collect this debt, including evidence of assignment or purchase of the account. 
XXXX. Proof that you are licensed to collect debts in my state, if required. 

Until this debt is properly validated, you must cease all collection activity and may not continue reporting this account to any credit reporting agency. If you can not provide the requested validation, you must delete this account from my credit reports. 

Please note that continued reporting of unverified or inaccurate information may constitute violations of the FDCPA and FCRA. 

This letter is not an acknowledgment of liability nor a promise to pay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complain regarding an inaccurate and unverified collection account that is being reported on my XXXX Credit report.

I dispute this collection account in its entirety.This account is reporting inaccurate information and has not been properly validated as required under the fair debt collection Act [ FDCPA ] and the Fair Credit Reporting Act [ FCRA ].

I previously disputed this account with XXXX, yet the account continues to be reported without proper verification. XXXX has failed to provide documentation proving the accuracy, ownership, and contractual obligation of this alleged debt.

Additionally, the collection agency has not provided : .A copy of the original signed agreement .Proof of assignment or ownership of the debt .An itemized breakdown of the amount claimed Because the information being reported can not be verified as accurate and complete, it must be deleted from my XXXX Credit report immediately .

I am requesting that XXXX  and the collection agency conduct a lawful investigation and remove the collection account if they can not provide proper validation as required by law.

Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On or about XX/XX/year>, my account was unexpectedly disabled. I have been unable to access my funds or use my debit card since that time. I have called multiple times and have only been told that someone will contact me, but I have not received any followup. I am unsure whether this issue is related to a previously filed claim that was later cancelled, but no explanation has been provided. 

I receive Social Security benefits, and the bank is currently holding my money without granting me access. I have already notified the bank to either restore my account access immediately or return the funds through the same method of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CA

Complaint narrative:
I have Fraudulent account on my credit report. Someone has used my personal information and fraudulently opened credit card accounts under my name. Please advise these information and report all credit bureaus to block and remove this account from my credit report.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: PA

Complaint narrative:
XXXX bank incorrectly disabled my card with money still in my account. 

My phone number is on file, I was told it was not which it is, multiple reps verified when I called over and over. Now I can not access my money for XXXX  days which is a big inconvenience. When I spoke to the supervisor I believe her name is XXXX but the only supervisor I spoke to today XX/XX/year> was very verbally abusing to me, she hung up the phone on me, not once did I disrespect or curse, I simply expressed how my account card was locked when my phone number is online on file. The way she verbally abused is unacceptable as a supervisor. 

Something with all this doesnt make sense and I truly believe fraud is involved. 

Ive attached copy of proof my phone number on file.

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 2026-01-13 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: AL

Complaint narrative:
I applied for an American Express XXXX card and was to get XXXX XXXX miles after I charged a set amount. I did so. A few months later, I applied for a XXXX card for the same deal with XXXX miles and fulfilling my spending obligations. I called Amex because I never received any bonus miles. I was told I didn't qualify -no reason, just didn't qualify and that I should have received a popup window when I applied saying I didn't qualify. I told them I never saw a popup and would have to click and acknowledge a popup before I could go further- you can't bypass a popup without some kind of action and the agent agreed. When I continued to complain, they set up a case number and said they would investigate if I received the pop up or not and would call me within 7 days. They never called. As a caregiver, I didn't have the time to call and didn't want the stress of dealing with this again. 

I made time today to call and follow up. I was told that the case had been closed ( without calling me or any contact with me ). That I didn't qualify as I had a previous card a few years ago that I received bonus miles on. 

So I spent all these high fees for the cards and put thousands of $ on the cards thinking I would get bonus miles, not knowing they would not honor their terms. 

I'm going to complain with XXXX and let them know that they need to work with other credit card companies than American Express or they will loose more customers. XXXX XXXX uses XXXX and their terms are that you can not get bonus miles on cards within a certain time span ( months, not years ) and not forever like American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year> ], a scammer posing as Coinbase support tricked me into believing they were legitimate and convinced me to provide a two-factor authentication code. They then used this to access my account and withdraw {$23000.00} without my authorization. I reported the incident to Coinbase and filed an IC3 report. I am seeking a resolution for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
See attachments XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Reporting Report Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681.

The account listed below is inaccurate and must be investigated : Creditor : Columbia Debt Recovery Account Number : XXXX Balance Reported : {$7000.00} Basis for Dispute : The furnisher has not provided competent evidence that I entered into a contractual agreement for this debt The amount reported is inconsistent with the original balance and lacks proper accounting No proof of lawful assignment from the original creditor has been provided The Date of First Delinquency is not clearly or accurately reported This account has not been properly validated as required under 15 U.S.C. 1681s-2 ( b ) Under the FCRA, XXXX  is required to conduct a reasonable investigation and delete or correct any information that can not be verified. 
Please provide written confirmation of your investigation results. If the furnisher fails to verify this account with adequate documentation, it must be permanently removed from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
On XX/XX/XXXX, my car was in an accident in which it was deemed a total loss. On XX/XX/XXXX, XXXX XXXX sent over the car valuation report, and the payoff amount to Hyundai Motor Finance, and XXXX XXXX was told that it would be 3-5 business day in order for them to receive the Letter of Guarantee. On XX/XX/XXXX, I personally called Hyundai Motor Finance and asked for an update. They confirmed all dates, and confirmed that a referral was sent on XX/XX/XXXX, and confirmed that XXXX XXXX would receive that LOG by the end of the day ( the 5th business day ). I contacted Hyundai Motor Finance again today ( XX/XX/XXXX ) and was told that they had never received the documents of the Car Evaluation report, and the total payoff amount, and that the referral had not been sent and that it would be another 5 business days. I have all of the documents that was sent to me from the insurance company that confirms they HAD received the proper documentation. This delays and runaround has caused for me to continue to accrue interest on a car that has been deemed a total loss, and that they have confirmed is a total loss, and I have received a letter in the mail FROM Hyundai Motor Finance that they have been notified by XXXX XXXX that it was a total loss. I am being told different stories depending on who I call and talk to. I have major concerned on the internal documentation and communication of this loan company that is delaying my payout and continuing to harm my credit, harm my finances, and harm my mental health.

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 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
am submitting this complaint regarding a private student loan originally originated around 2008 by XXXX ( formerly XXXX XXXX ) and currently serviced by MOHELA. The original loan balance was approximately {$20000.00} and has increased to approximately {$35000.00} despite years of repayment. 
At the time of origination, I was approximately XXXX years old and did not meaningfully participate in the loan selection, application, or disbursement process. The loan was arranged by my parents, and my grandmother was required as a co-signer. I did not receive the loan proceeds directly, did not control the account into which funds were deposited, and was not provided documentation clearly showing how or where the funds were disbursed. 
I now have serious concerns that I was steered into a private loan product despite the availability of federal student loan options that would have provided significantly better borrower protections. I do not recall receiving clear and conspicuous disclosures explaining the long-term costs of this loan, interest capitalization, variable interest rate risks, or repayment implications. 
I also have concerns regarding ongoing servicing practices. Despite consistent payments, my balance has increased substantially, suggesting repeated interest capitalization and payment application practices that were not adequately disclosed or explained. I do not have transparency into how my payments have been applied or how interest has been capitalized over time. 
I am requesting a full review of the origination and servicing of this loan, including whether fair lending and consumer protection standards were met. I am also requesting consideration for relief, including interest forgiveness, principal reduction, or discharge, based on improper origination, lack of informed consent, and long-term financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: Perpay, Inc.
State: MI

Complaint narrative:
I authorized a charge of approximately {$400.00} for a XXXX XXXX. On XX/XX/2025, an additional charge of {$2500.00} from XXXX posted to my Perpay card that I did not authorize. 

I disputed the unauthorized excess amount with Perpay and requested an investigation and documentation supporting the additional charge. Perpay declined to investigate and closed the dispute, stating only that more than 120 days had passed and citing Mastercard dispute time limits. 

Perpay did not request or provide any itemized invoice, proof of authorization, signed rental agreement, or explanation for the additional {$2500.00} charge. The dispute was denied solely due to timing, not based on validation of the charge. 

I am disputing the amount charged, not the timing. I am requesting a full billing investigation, documentation supporting the additional charge, and correction or removal of the unauthorized portion if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I received an American Express gift card from my job for a XXXX bonus of {$500.00}. I used the gift card for XXXX purchase of {$120.00}, I then went to use the card again and was blocked and told the card was compromised via Amex gift card customer service. To which they replied that they cant unlock the card and they have to issue me a replacement which ships via XXXX 3-5 days or XXXX which takes 7-10. I opted for XXXX and asked for tracking information which I was then told there is no tracking information but its sent. This was on XX/XX/XXXX, as of XX/XX/XXXX there was no card, so I called again and was told theyd be sending it again the same day via XXXX  but again no tracking. Today is now XX/XX/XXXX and I have no card, and have yet to be able to speak to anyone aside from outsourced customer service agents in a different country. American Express has been unhelpful in any of this, and I am still currently out of {$350.00} for almost a month when this should have been handled in 3-5 days according to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
Duty to Mitigate Damages in Debtor 's Estate : Title Company attorney XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claimant XXXX XXXX XXXX I assisted a tenant XXXX XXXX to purchase the home he had been renting from me with agreement back in 2020 he would repay an agreed sum when the property as sold from sale proceeds. The agreement has been declared valid and enforceable by a judge in the subject XXXX XXXX. 

XXXX has since passed. the property ( a condo located in XXXX, CA ) has been scheduled to be sold a few times through the escrow company but each time escrow has fallen through. Escrow and title has advised to remove the XXXX or the sale will never go through. Estimated market value is {$400000.00}. There is mortgage debt of {$200000.00} plus unpaid payments since tenant passed last year. 

It is believed that there would be sufficient funds to satisfy all creditors but neither escrow nor title has provided any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I called the original creditor XXXX of XXXX to find out why I never received my security deposit back or a letter stating why it was being kept. When I spoke with the manager of XXXX XXXX XXXX XXXX XXXX she told me she sent out a letter that I never received because it was returned to her by the XXXX XXXX. The letter was sent out well over 45 days of me moving out and I moved out XX/XX/XXXX of XXXX. The manager emailed me a itemized bill the day I called which was XX/XX/XXXX and at that time I advised her that I didnt agree with the charges and I would be disputing the balance and calling XXXX XXXX XXXX regarding the balance of damages that were not done by me. A day later the balance was sent to collections and the calls beginned from FCO outsourcing collection agency. I told them several times the debt was inaccurate and I wanted to dispute as the landlord didnt follow the XXXX  XXXX XXXX of reporting or the 45 day timeframe in notifying me of a balance as this manager has my cellphone number, email, and new address in which I was moving to at the time. No attempt to reach me about this balance but wasted no time sending to collections to negatively affect my credit report and restrict me from being able to rent again. I ended up paying this balance hoping it would resolve the issue of finding a place to rent but every application keeps getting denied for this very collection. I have reached out to the collector and creditor and yet this still hasnt been resolved and causing a hardship for me. Even disputing with the credit bureaus will not resolve this issue as all pieces of information needs to be investigated according to law. Please investigate this and remove this from my credit as this violates my rights! 

Please verify the following Original contract with signature Payment history from original creditor How was this agency signed to collect this debt Chain of assignment Bill of sale License to collect Time stamp of the date the itemized letter was generated.

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake Financial is willfully violating the Fair Credit Reporting Act ( FCRA ) by refusing to update or open a fraud investigation reported XX/XX/year> or provide a tracking/ticket number. I have informed them of unauthorized activity on an account that was settled and closed in XXXX after the vehicle was totaled. 

Instead of investigating, Westlake representatives are stalling by demanding 'diagnostic information ' on a vehicle that is a total loss and no longer in my possession. This is a bad-faith tactic to avoid their legal obligation to investigate identity theft. I am requesting that the CFPB compel Westlake to : 1. Open a formal fraud case and provide a reference number.

2. Stop asking for impossible/irrelevant documen
tation ( diagnostics ).

3. Confirm in writing that no fraudulent debt will be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: GA

Complaint narrative:
I opened a Self credit-builder account and later paid the account in full. The account is now closed. During XXXX, there were several late payments that occurred during a temporary period of financial hardship. 

After the account was paid and closed, I contacted Self Financial in XX/XX/year> to request a goodwill review and clarification regarding the continued reporting of these late payments, including whether a one-time goodwill adjustment could be considered. 

Self Financial responded that they do not accept goodwill requests through customer support and did not provide a substantive review or additional information regarding the reporting. I am not disputing the accuracy of the account, but I am requesting that this matter be reviewed by an appropriate compliance or reporting team to determine whether a goodwill adjustment may be considered given the account status and age of the late payments.

Company response to consumer: Closed with explanation