vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding unapplied sales incentives associated with my Tesla Model Y lease transition and purchase. At the time I transitioned from my prior Tesla lease to a new Model Y, I was offered the following incentives as part of my purchase decision : {$1000.00} Tesla loyalty / upgrade incentive {$1000.00} Lyft partnership incentive These incentives were material to my decision to proceed with the transaction. Since XX/XX/XXXX, I have been attempting to obtain clarification and resolution regarding these incentives. I formally contacted Tesla Sales again on XX/XX/XXXX, and sent multiple followup emails. I have received no written response, confirmation, denial, or explanation. The incentives were never applied, issued, or reflected in my transaction documents. Despite repeated outreach over several months, Tesla has failed to confirm whether the incentives were associated with my order or explain why they were not honored. I am requesting : - Written confirmation whether these incentives were associated with my order - Issuance or application of the incentives if valid - A written explanation if Tesla believes they are not applicable I am seeking a clear written resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: SC

Complaint narrative:
The vehicle was repossesed and resold. The creditor has not updated and removed off of my credit after reselling and recouping the funds. I asked for a notice of sale receipt because Global lending Service received tax credits after charge off. The vehicle was resold and is currently being driven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding inconsistent adverse action notices and unclear decision standards related to my account reactivation request with Flex Finance. I received XXXX separate adverse action notices citing different reasons for denial. The first notice referenced a late payment within the past 30 days. A subsequent notice referenced a late payment within the past 3 months. After requesting clarification, I was informed that a XXXX payment due on XX/XX/XXXX was settled on XX/XX/XXXX, and that this late repayment within the past XXXX months was the reason for denial. While I acknowledge that this payment was made after the due date, my concern is not the existence of the late payment itself. My concern is : 1. The issuance of inconsistent adverse action notices citing different timeframes. 2. The lack of clarity regarding the specific eligibility or underwriting criteria applied. 3. Whether the adverse action notices accurately and consistently reflect the actual basis for denial. Adverse action notices are required to clearly and accurately state the principal reason ( s ) for a decision. Receiving differing explanations for the same decision raises concerns about the consistency and accuracy of the review process. I am requesting : Confirmation of the exact eligibility standard applied to my reactivation request. Clarification as to why XXXX different timeframes were cited in separate notices. XXXX that adverse action notices are generated accurately and consistently in compliance with applicable consumer protection standards. I value the service and would prefer resolution directly with the company. However, I am seeking regulatory review to ensure transparency and fairness in the decision-making and notification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I was clear that my identity was stolen and multiple leases, credit lines and bills were opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: IDAHO CENTRAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX, Collateral Protection Insurance was added to my car loan after a lack of insurance verification/required collateral and comprehensive coverage. The CPI amount is {$3800.00}. I did not realize this was added until XX/XX/XXXX. My loan was opened XX/XX/XXXX. Prior to having it added, I received no notification/warnings that the CPI would be added if I did not provide that information. I was never told that I was required to have collateral and comprehensive coverage. When I asked the ICCU what coverage I needed to reverse the CPI, I was told that there was no minimum required for the collateral and comprehensive. This wording made me believe that I just needed to submit my insurance again, that collateral and comprehensive was not required, and that I did not need to make changes. After adding the comprehensive and collateral to my insurance, I received a mail notice that {$990.00} will still be added to the loan for my " lapse '' of coverage from XXXX to XXXX. I still had car insurance for that entire period just not with collateral and comprehensive coverage. I do NOT believe it is acceptable that I received NO COMMUNICATION from my credit union letting me know that I did not have the proper coverage and that I now have to worry about an extra {$990.00} being added to my loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA TO WHO IT MAY CONCERN, THIS LETTER SERVED AS A FORMAL FOLLOW-UP TO MY PREVIOUS CEASE AND DESIST AND DEBT VALIDATION DEMAND LETTER REGARDING THE ABOVE REFERENCED ACCOUNT. DESPITE MY LAWFUL DEMAND MADE PURSUANT TO 15 U.S.C 1692g OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) AND 15 U .. S.C 1681S-2 OF THE FAIR CREDIT REPORTING ACT ( FCRA ), YOUR AGENCY HAS FAILED TO PROVIDE ADEQUATE LEGAL VALIDATION OF THE ALLEGED DEBT. INSTEAD, YOU RESPONDED WITH A GENERIC SUMMARY OF CHARGES OR STATEMENT BALANCE, WHICH DOES NOT SATISFY THE FEDERAL REQUIREMENTS FOR DEBT VALIDATION. YOUR FAILURE TO PROVIDE THE FOLLOWING CONSTITUTES NONCOMPLIANCE : 1. A COPY OF THE ORIGINAL SIGNED CONTRACT OR AGREEMENT BEARING MY SIGNATURE ; 2. A FULL CHAIN OF TITLE INCLUDING ALL ASSIGNMENTS AND TRANSFERS OF THE ALLEGED DEBT ; 3. A BILL OF SALE OR PURCHASE AGREEMENT PROVING LEGAL OWNERSHIP OF THE DEBT ; 4. PROOF OF LICENSING TO COLLECT DEBT IN MY STATE ; 5 ; SURETY BOND INFORMATION ( IF REQUIRED BY LAW IN YOUR JURISDICTION ). A BILLING SUMMARY IS NOT PROOF OF DEBT OWNERSHIP OR LEGAL AUTHORITY TO COLLECT. CONTINUED REPORTING OF THIS UNVERIFIABLE DEBT TO CREDIT BUREAUS IS A VIOLATION OF 15 U.S.C 1681-2 ( a ) ( 1 ) ( A ) AND CONSTITUTES THE FURNISHING OF INACCURATE AND INCOMPLETE INFORMATION. ADDITIONALLY, CONTINUED COLLECTION EFFORTS WITHOUT PROPER VALIDATION VIOLATE THE FDCPA, SPECIFICALLY :. 15 U.S.C 1692e - FALSE OR MISLEADING REPRESENTATTIONS. 15 U.S.C 169Rf - UNFAIR PRACTICES. 15 U.S.C 1692g - FAILURE TO VALIDATE DEBT IF THIS ACCOUNT IS NOT PERMANENTLY DELETED FROM ALL CONSUMER REPORTING AGENCIES AND ALL COLLECTION EFFORTS DO NOT CEASE WITHIN 15 CALENDAR DAYS, I WILL PROCEED WITH LEGAL ACTION AGAINST YOUR AGENCY UNDER 15 U.S.C 1681n and 1692k, INCLUDING BUT NOT LIMITED TO STATUTORY DAMAGES, PUNITIVE DAMAGES, LEGAL FEES, AND COSTS. THIS IS YOUR FINAL OPPORTUNITY TO RESOLVE THIS MATER BEFORE I FILE FORMAL COMPLAINTS WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ), THE FEDERAL TRADE COMMISSION ( FTC ), AND MY STATE ATTORNEY GENERAL, AND PURSUE CIVIL LIGITATION. SINCERELY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: NC

Complaint narrative:
" I am filing this complaint against Qualia Collection Services ( Account # XXXX / Ref # XXXX ) for clear violations of the FCRA and FDCPA. XXXX. Illegal Re-aging : This debt from XXXX at XXXX originated in late XXXX. However, the company is reporting a 'Status Date ' of XX/XX/XXXX on my XXXX report. This is a fraudulent attempt to make an old debt appear as new. XXXX. Deceptive Tactics : Their online portal forces a payment date of XX/XX/XXXX, without my consent. XXXX. Lack of Good Faith : I attempted to settle this for {$800.00}, but the company was arrogant and refused to provide proper verification or a fair negotiation. I demand the IMMEDIATE REMOVAL of this inaccurate and deceptive reporting from my credit file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MO

Complaint narrative:
XX/XX/XXXX received XXXX calls from " Discover '' with XXXX voice mail messages leaving Security Codes. On XX/XX/XXXX received Discover XXXX card # XXXX. Did not request Security codes or Debit card. XX/XX/XXXX received call from Discover Credit Card wanting to verify purchases : XX/XX/XXXX XXXX, XX/XX/XXXX Visable, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. All were declined and not our purchases. XX/XX/XXXX Credit Card account # XXXX closed, advised we would receive new credit cards between XX/XX/XXXX and XX/XX/XXXX. My card was received XX/XX/XXXX. On XX/XX/XXXX Called to advise husband had not received his card. Was asked if XXXX XXXX and XXXX XXXX were only ones that didn't receive cards. XXXX XXXX HAD opened fraudulent checking and debit card and is not a member of our household, nor do we know him. Was advised he was removed from account XX/XX/XXXX. XXXX XXXX the HACKER was moved from our old credit card account to a NEW credit card account as an AUTHORIZED USER!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I submitted a loss mitigation application and was actively awaiting review and a written determination. While my application was still pending, and without receiving any written denial, written delay notice, or a detailed Notice of Incomplete Application specifying missing documents, the servicer proceeded with foreclosure. A foreclosure action was filed on XX/XX/year> while my loss mitigation review was still unresolved. I never received a written Notice of Incomplete Application explaining what specific documents were missing. I also never received a written denial of my application. The company has stated that they attempted to call me, however no detailed call log has been provided, no voicemails were left, and no written follow-up communication was sent. I specifically requested in writing : The date my application was deemed complete or incomplete A copy of any Notice of Incomplete Application allegedly sent A complete itemized list of missing documents The date and reason foreclosure was referred or filed Documentation of all alleged contact attempts Despite multiple written requests, this information has not been provided. The foreclosure filing while loss mitigation was pending, combined with the failure to provide required written notices and documentation, raises serious concerns regarding compliance with federal mortgage servicing regulations, including potential dual tracking. I am requesting that the foreclosure activity be reviewed immediately and that the servicer provide full written clarification of my loss mitigation status and documentation history.

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 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please inform this bottom feeder collection agency to cease and desist concerning an alleged small dollar debt. The account number is : XXXX and JCS reference is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
Account T-Mobile # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification. Please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I submitted XXXX payments on XX/XX/XXXX in the amount of {$400.00} and {$500.00} from my XXXX bank account. I received a notification that my payment in the amount of {$500.00} was returned. I was then charged a return check fee. I contacted Amex about the matter and they apologized. I was told the money was sent back to my bank and was not applied to my account. I was also reimbursed for the return check fee. I had sufficient funds in my bank account so I am not sure what the issue was. I checked my bank account and the money wasnt there. I reached out to my bank XXXX about the money and they stated it was not returned. I was told the {$500.00} was successfully processed to Amex. I tried making another payment to Amex and the XXXX account I usually use stated that it was invalid with no reason why. I then had to add the same bank information tot he Amex account so that I can make my payments. Afterwards, I filed a dispute with Amex on XX/XX/XXXX reference number XXXX. No solution was provided. I was told the payment was applied to my XXXX statement. I checked that and still no payment/credit or money in my bank account. I sent my XXXX bank statement showing there was enough money in my account, the money was taking out, and I still did not receive my returned money. The reference number for that is XXXX. No solution. Then, I filed another dispute on XX/XX/XXXX, Reference Number : XXXX XXXX. I was sent the same information as above, still no solution. I sat on the phone with many representatives explaining the situation, still unsuccessfully. I filed another dispute via phone with a representative on XX/XX/XXXX Reference Number : XXXX. I was still being told the payment was applied on my XX/XX/XXXX statement. This was still not the case. I sat and printed out my statement from XXXX to XX/XX/XXXX. I total my payments made minus the {$500.00} returned from XX/XX/XXXX. Everything added up XXXX {$500.00} was never process to my Amex account. I called Amex once again trying to get documents on the matter including the trace number and thy could not provide it. I explained to the representative the situation and he filed another dispute stating my {$500.00} was not applied. The dispute was submitted on XX/XX/XXXX, Reference Number : XXXX. The same generated email came back that I shes been receiving since the beginning. I submitted multiple documents including my bank statements reflecting the money taken out for payments, the multiple disputes with Amex, and the Amex statements with notes attached about the money never being applied. I still have not received my money via credit or to my bank. No solution has been rectified in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express withdrew {$850.00} from my bank account via autopay without my authorization. I authorized monthly autopay withdrawals of {$810.00} for my personal loan ( account ending XXXX ) and funded my bank account with exactly that amount each month. In XXXX, American Express assessed a {$39.00} returned-payment fee and added it to my minimum due, raising the autopay withdrawal to {$850.00}. American Express did not notify me of this increase or obtain my consent for the new amount before attempting to withdraw it. Under Regulation XXXX ( Section XXXX ( d ) ), when a preauthorized transfer will vary in amount, the financial institution must provide notice at least 10 days before the transfer date. No such notice was provided. Because I had funded my account with the {$810.00} I actually authorized, the {$850.00} withdrawal was returned, and American Express then assessed additional fees for the returned payment. I made a manual payment of {$810.00} on XX/XX/XXXX that American Express confirmed satisfied the billing cycle. Despite this, on XX/XX/XXXX autopay again attempted to withdraw {$850.00} without my authorization, and the payment was again returned. The representative I spoke with, XXXX, confirmed during a live chat that autopay is configured to automatically debit the minimum due, which increases when fees are added. XXXX submitted a case to waive the {$39.00} fee as a " one-time courtesy '' but did not address the core problem : American Express is withdrawing amounts I never authorized and has indicated it will continue doing so. XXXX also noted my account has had " quite a few fees before, '' suggesting this is a systemic issue with how American Express configures autopay for personal loans, not an isolated incident. The unauthorized withdrawals violate the Electronic Fund Transfer Act ( 15 U.S.C. Section 1693a ( 12 ) ), and the practice of silently increasing withdrawal amounts and then charging returned-payment fees when those unauthorized amounts fail constitutes a potentially unfair practice under the Consumer Financial Protection Act ( Section 1031 ). The CFPB has issued guidance stating that blanket policies of charging returned-payment fees irrespective of the circumstances are likely unfair under the XXXX, and this situation, where the return was caused entirely by American Express 's own over-withdrawal, falls squarely within that guidance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or unfair credit reporting by PNC Bank related to my Home Equity Line of Credit account ( ending in XXXX ). PNC reported a late payment to the credit bureaus for a few months of the end of 2025. I acknowledge that a payment was submitted after the due date ; however, the late reporting does not accurately reflect the circumstances and my overall history of responsible payment on this account. The late payment occurred due to : XXXX proceeding. During XXXX of 2025 I filed for divorce. My wife and I had a business which funded the repayment of the HELOC. Unbeknownst to me, this money was rerouted to her personal accounts during several months last year. I was also forced to pay two additional mortgages on investment properties, as she withdrew from the business and rerouted additional mortgage monies. I was forced to bear the responsibility of all these debts and pay them using my individual income. I worked 70-80 hours per week and was finally able to bring my PNC HELOC current at the end of the year. The account has since been brought fully current and remains in good standing. Prior to this isolated incident, I maintained a consistent history of timely payments. I contacted PNC directly to request a goodwill adjustment or correction, but they declined to remove the late reporting. Given my otherwise positive payment history and the isolated nature of this issue, I believe the continued reporting of this late payment is unfair and disproportionately harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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