vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I received a letter stating that I applied for a credit card and I know I havent. I was working with MY BEST LIFE EDUCATION to help fix my credit but I think that person is using my information to apply for credit cards. So now I have another inquiry on my credit due to this mishap. It says XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have numerous complaints I have a worker compensation index through XXXX XXXX  XXXX I live in California now I have a also have a low income due to this situation below poverty and I have XXXX pending I have made arrangements to make a monthly payments I have made numerous despite having an status on the vehicle last year XXXX years ago and also made all of those payments are now have a low income and pending XXXX to my back serious medical situation I also have an XXXX case load of office of victims assistance and also a witness to violent crimes and are collusion for unlawful practices including debt consolidation debt collections and also collusion with felony or persons will be named and these situations need to be addressed also of felony harassment of of several named people here XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and also clustering and collusion with a known felons from other caseloads from XXXX XXXX  XXXX and California I will name them I need to be addressed or for a request and depositions also filed for credible serious in life-threatening situations and witness to Violent life-threatening crimes I need to bring this to the attention in my participation with local sheriff... These are said individuals to the local sheriff participation of the failures and the participations with known felons from the area XXXX XXXX XXXX  and relocation to California stalking harassment, break in of bank accounts, and and participation also my incarceration harassment and loss for these participation my actual diligence to pursue cold crimes for credible case load and deposition filed in the past. Also current in XXXX of next of kin family members and of roles, serious r role high-level attorneys with responsibilities and failures. These need to be addressed also over and above my financial situation and my workers compensation uncontroverted claim and pending XXXX they need to be aware of Capital One and their auto finance and the participation with known felons and the agents illegal cluster felony harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase is attempting to collect a fraudulent debt from an account originating with Washington Mutual. 

On XX/XX/year>, Chase seized my {$1800.00} paycheck, leaving me unable to pay bills and creating a negative balance of - {$2300.00}. Chase treated me like a criminal for something I had nothing to do with. 
I disputed the account in writing, including a police report, received XX/XX/year>. Chase ignored my dispute, charged off the account, and continues demanding payment. 

Chase offered a hollow apology, refused to return seized funds, and provided no investigation or documentation, despite claiming they had. Chase falsely insists the activity was authorized and blames a joint account with an elderly account holder who never had checks, providing no proof. 

Chase confiscated my wages for a fraudulent balance, damaged my life and credit, and is now trying to force me to pay. I will not pay this debt.

Chase has failed to correct the account, continues collection on a fraudulent balance, and engages in abusive, misleading, and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate and inconsistent reporting of late payments on my credit reports, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
This account is reporting late payment information that is inconsistent across the credit reporting agencies. XXXX XXXX, and XXXX  do not reflect the same number of late payments or the same reporting periods for this account. Because the information is inconsistent, it is not accurate, not complete, and not verifiable as required by the FCRA. 
I previously disputed these late payments with the credit reporting agencies. Despite the dispute, the inaccurate late payments continue to be reported without correction. Reporting conflicting late payment histories across multiple credit bureaus demonstrates a failure to maintain maximum possible accuracy and constitutes improper reinvestigation. 
This inaccurate reporting has caused harm to my credit profile, including adverse effects on my credit scores and lending decisions. Since the late payment information can not be reported consistently or verified as accurate across all bureaus, it must be removed from all of my credit reports with XXXX, XXXX, and XXXX. 
I am formally demanding the immediate deletion of the disputed late payment ( XXXX ) from all of my credit reports. Continued reporting of inaccurate and inconsistent information violates federal law, and failure to correct or delete this information after notice of dispute is noncompliant with the Fair Credit Reporting Act. 
I also require written confirmation that the deletion has been completed and that all of my credit reports have been fully corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
This company has been harassing me non stop. Ive already told them this account does not belong to me. If the original creditor they represent has not reported to any bureaus about this account in association with me. When they called BEFORE XXXX last year, I told them to STOP contacting me via phone AND text! They have continued to text me! This is ILLEGAL. They continue to report this fraudulent account to the XXXX  bureau after I told them it is NOT mine. In fact the same company they claim to be collecting for, is literally sending me mail each day so I can sign up with them so OBVIOUSLY this was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Please remove these fraudulent accounts and inquiries from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am an XXXX  servicemember currently XXXX overseas. 

Around XXXX XX/XX/year>, I contacted Westlake Financial Services to request a voluntary surrender of my vehicle due to a seized engine and financial hardship while XXXX. I provide all details necessary over the phone. Westlake confirmed that the process would be started. 

After no action occurred for over a month, I was later informed over the phone that no progress was made due to Servicemembers Civil Relief Act ( SCRA ) protections on my account. Multiple representatives were unable to explain the process to remove SCRA in order to proceed with my voluntary surrender. 

On the XXXX XX/XX/year>, after repeated follow-ups made solely by me, I was finally provided the correct SCRA form , which I completed and returned within XXXX hours. Since then, I have been repeatedly told over the phone that the form is processing, despite being informed it should take only a few hours. I requested via call or email to speak to the department who handles the processing of the form and was denied and was told that wasnt procedure, As of today, several months later, the voluntary surrender has still not been completed. The delays are entirely due to Westlakes internal processing failures, not lack of cooperation on my part. 

I am requesting that Westlake immediately complete the voluntary surrender, cease additional fees and interest related to this delay from the date it started, and provide written confirmation of the account status.

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 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Since mid XX/XX/XXXX I sent to Freedom Mortgage the paper work, after that they asked for more documents ( pay stubs, bank statements, etc. ), I sent them. 

Since then everytime that I call requesting an update their answer is almost the same one send everything again ''! 

I spoke with my HUD Counselor and we agreed to send the following email : " Hello. 

To Whom It May Concern, As instructed by representative # XXXX ( XXXX ) I tried to submit ALL the documents again, Furthermore, I have attempted to upload these documents directly through the Freedom Mortgage Hardship Assistance portal. However, every attempt results in the attached error message. Because your online system is failing to process my upload.

Please be advised that all the documents have already been emailed to lossmitigation @ freedommortgage.com more than four times. Each time I call to confirm receipt, I am told the documents were received but that I must " submit them again. '' While I am told the underwriter has been notified, the process remains stalled in this repetitive cycle. 

Now, today XX/XX/XXXX I receive an email ( screenshot attached ) from you mentioned that you tried to contact me, when I am the one who called Freedom Mortgage on Wednesday XX/XX/XXXX, I spoke with XXXX ID # XXXX requesting for feedback and I also asked her to request your XXXX ID # XXXX ( XXXX ) to call me back ... he never did. 



This lack of progress is unacceptable ( I sent the information package filled and signed the first time since XXXX & in XXXX XX/XX/XXXX ). I am requesting a clear status update on my application and an explanation for these delays. Furthermore, I would like to escalate this matter to a Loss Mitigation Manager. While your representatives have been courteous, they have been unable to provide a substantive resolution. 
Additionally, per CFPB regulations, I am formally requesting that a Single Point of Contact ( SPOC ) be assigned to my account to ensure consistent communication and accountability moving forward. 

Last, but no least I am including my HUD Certified Housing Counselor, XXXX XXXX to these emails. 

I look forward to a prompt response from the Freedom Mortgage Loss Mitigation department. 

Sincerely, XXXX XXXX XXXX This email was sent on XXXX XXXX, with no response from Freedom Mortgage

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, Thank you so much for taking the time to read my request. I completed an application for XXXX  benefits. The women called me from XXXX  and said I need last 2 months of bank statements. 

I called AMEX SERVE and spoke to XXXX XX/XX/year> at XXXX est and he said that feature is no longer available and me wait on hold to speak to am manager and called dropped.

Can someone please tell AMEX to add the Bank Statements feature back to both Mobile app and desktop website. 

Now I dont know what to do for my food stamp application. 

Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX I was wiring money XXXX to a title company for a closing! I had already sent them money for the escrow successfully using their encrypted email On this day their encrypted business email got hacked and I was sent ( found out later ) wiring information that was belonging to a fraudster A fraudster that opened a bank account under the title company s XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  I came back to Td bank XXXX XXXXXXXX XXXX XXXX about XXXX XXXX  after transfer to do a wire recall! We are XX/XX/XXXX th I filled report with deputy on same day and havent heard from anyone, Im a mom of XXXX and lost everything! My case report is XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
PenFed applied Collateral Protection Insurance ( CPI ) charges to my auto loan during a period when I was in the process of moving and changing addresses, which disrupted my ability to receive mailed notices. At the same time, I had limited access to my email, so I did not become aware of the CPI requirement in time to dispute or correct it before the charges were added.

Once I became aware of the issue, I immediately obtained and submitted the required comprehensive insurance, fully complying with the loan requirements. During a phone call, a PenFed representative advised me that once I provided the insurance, the CPI charges would be removed. I relied on that guidance when I promptly corrected the policy.

Despite this, PenFed has refused to refund the CPI charges and has repeatedly provided the same policy-based response. I requested escalation and supervisor review multiple times, but no escalation or executive review has been confirmed.

The CPI charges added approximately {$2000.00} to my loan balance, creating significant financial hardship. I am requesting a full refund of the CPI charges due to notice issues, reliance on incorrect guidance from a PenFed representative, prompt compliance once aware, and failure to escalate my concerns.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash App closed my account because I disputed charges from a company that did bad business with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dispute XXXX XXXXXXXX The company states that the last billing was in XXXX and then it turns around and says the account was open in XXXX. This account was fraud plus its over XXXX years old. It needs to be removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am demanding that the student loans are removed. I did not receive correspondence in reference to what was mail last year XXXX. All documentation will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am submitting this correspondence as my second formal dispute regarding multiple inaccuracies on my Equifax credit report. Despite prior written notifications, my report continues to contain errors that materially misrepresent both my personal information and account history. These errors include inaccurate addresses, misreported late-open accounts, late-closed accounts, and a charged-off account. The continued presence of these inaccuracies demonstrates a failure to follow reasonable procedures to ensure maximum possible accuracy, in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, 623 ( a ) ( 2 ), 605 ( a ), and 609 ). These ongoing errors have caused measurable harm to my creditworthiness, misrepresented my financial responsibility, and created ongoing challenges in managing my financial life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal , Inc. has banned my account and sent me an email informing me of a violation of PayPal 's fair use policy. However, the terms stated above are for selling products, and my account has been used for shopping without receiving any payments. I have made multiple phone calls but have not been able to lift the ban. PayPal responded with the message 'Due to security reasons, I can not disclose '

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$53.00} by XXXX XXXX for a reservation that was advertised as free with no obligation. I never accessed or used the storage unit. I contacted XXXX XXXX and Venmo requesting a refund and provided screenshots showing the free reservation. Venmo denied my dispute without addressing the misleading advertising or the merchants failure to provide the service. I am requesting a full refund and proper handling of misleading marketing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Attempted to collect a debt and I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: TX

Complaint narrative:
Kovo! I have never had a kovo account, I did not give any one permission to use my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: WA

Complaint narrative:
In XXXX / XX/XX/2025, I became a victim of a XXXXrelated scam. A third party sent money to my XXXX account from multiple accounts, usually in amounts of approximately {$1500.00}, and instructed me to transfer the funds to their website. At the time, I did not know this activity was fraudulent. 
Later, XXXX closed my account. I then learned that the third party falsely claimed to XXXX that they purchased goods and never received them. XXXX reviewed the case, refunded the money, and closed the matter. 
XXXX sent notifications by email, but I did not see them because my XXXX account was closed and I was no longer actively using that email address. As a result, I was unaware of the communications at the time. 
I did not sell any goods or services and did not benefit from these transactions. I was not acting as a merchant. Despite XXXX closing the case and issuing refunds, I later received a letter from a collection agency stating that I owe money related to this matter. 
I am disputing this debt, as it resulted from fraud committed by a third party, and I did not receive clear confirmation that I am legally responsible for it.

Company response to consumer: Closed with explanation