vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 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:
Even though I provided proof to the business that I list the item at my home through the mortage statement, the business continues to make false allegations with no facts or basis that an unknown person from XXXX XXXX called an unknown person at t XXXX XXXX XXXX XXXX. The business further alleges that these unknown people had a conversation and that the items I lost were somehow in their possession with no explanation as to how that happened. The business fails to make any connection between me and these unknown people nor as to if they even know who I am. The business falsely claims that there was no monetary loss which is not true. The monetary loss for me is {$170.00} which is what I paid for the 2 items. The business claims that an unknown person from " XXXX '' called an unknown person at XXXX XXXX XXXX XXXX who claimed to be a resident of the property and claimed to have possession of unknown items. The business does not provide any connection or value of that information to the claim since it's a purchase protection for me ( the consumer ) and not for unknown people that are calling each and unrelated to the claim. The business then falsely claims that an unknow person from " XXXX '' claimed that I don't live at my home at XXXX XXXX XXXX XXXX in XXXX, CA through a phone call with a name-less property management company that manages that property. The business provides no proof of the allegations and only a story line of unknown people and companies. Attached is my mortgage which has proof that I lived at XXXX XXXX XXXX XXXX at the time of the loss. The business also has the shipping tracking number of the items that were shipped with my name and to me at XXXX XXXX XXXX XXXX when I was at that location. I received the items and then took them with me to my residence at XXXX XXXX XXXX XXXX which is a covered lost under the XXXX XXXX warrant policy. About XXXX weeks ago, I opened American Express complaint related to purchase protection claim XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX RE : Formal Dispute and Request for Debt Validation To Whom It May Concern, I am formally disputing the validity and accuracy of the alleged account you are reporting and/or attempting to collect. I previously requested proper validation of this debt, yet you have failed to provide sufficient documentation proving that this debt is legally mine and that you have the authority to report or collect it. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following documentation in writing : Full validation and verification of the alleged debt. A copy of the original signed agreement or contract bearing my signature. Complete payment history and accounting records showing how the alleged balance was calculated. Documentation explaining why the past due amount and charge-off amount do not match. Proof that I authorized or had knowledge of this alleged debt. Proof that you have legal authority to collect on this account. Proof that I gave authorization for my personal information to be shared, sold, or transferred to any third party. Documentation showing written consent for any continued communication attempts. Copies of all records relating to this account, including notices, agreements, assignments, and communications. I also requested that communication cease ; however, I continue receiving repeated collection calls, which I consider harassment. You are hereby notified once again to cease all telephone communication with me immediately. All future correspondence regarding this matter must be sent in writing only. Furthermore, if you can not provide all requested documentation and proper validation of this debt, including written proof and authorization, then you must immediately : Cease all collection activity ; Remove this account from all consumer reporting agencies, including XXXX, XXXX, and XXXX ; and Correct any inaccurate, incomplete, or unverifiable information being reported under the Fair Credit Reporting Act. Reporting inaccurate or unverified information to consumer reporting agencies may constitute violations of federal law. If this matter is not resolved properly, I reserve the right to file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. Please provide all requested documentation in writing within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had funds in the amount of {$5000.00} deposited into my account. No fraudulent checks or anything. Actual funds deposited and it has been 3+ years and money is showing in my account but not available to be withdrawn and no explanation from Navy Federal as to why that is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TN

Complaint narrative:
XXXX XXXX\XXXX XXXX XXXX, Tn XXXX\XXXX XXXX XXXX\n\nRequest for Investigation and Removal of Inaccurate Collection Account\n\nTo Whom It May Concern,\n\nI am writing to formally dispute the accuracy and reporting of the following collection account listed on my credit report:\n\nCreditor/Collection Agency: AArgon Agency Inc\nAmount Reported: XXXX\n\nUnder the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681i, I am requesting a complete investigation of this account. I believe this account is inaccurate, incomplete, misleading, and/or unverifiable.\n\nPursuant to my rights under the FCRA:\n\n Under 15 U.S.C. 1681e(b), credit reporting agencies are required to maintain maximum possible accuracy in reporting consumer information.\n Under 15 U.S.C. 1681i(a), you are required to conduct a reasonable investigation of disputed information within 30 days.\n Under 15 U.S.C. 1681s-2(b), furnishers of information must provide proper verification and accurate reporting of alleged debts.\n\nI request that you provide me with:\n\n1. The original signed contract or agreement bearing my signature.\n2. Complete payment history and accounting records.\n3. Documentation proving your legal authority to report this account.\n4. Proof that this debt was properly validated and verified.\n\nIf you cannot provide competent evidence verifying the accuracy and legality of this account, I request immediate deletion of the account from my credit report.\n\nAdditionally, if this account has been reported inaccurately, incompletely, or without proper verification, continued reporting may constitute violations of federal law.\n\nPlease send me written confirmation of your investigation results and an updated copy of my credit report.\n\nThank you for your prompt attention to this matter.\n\nSincerely,\n\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 explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Im writing to file a complaint against MIDLAND CREDIT MANAGEMENT for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX I paid XXXX XXXX XXXX {$1700.00} via XXXX Cash App payments for a vehicle. The vehicle had XXXX odometer fraud and suffered transmission failure. I returned it to the dealer XX/XX/XXXX and sent certified Notice of XXXX. XXXX shows XXXX XXXX signed XX/XX/XXXX. Dealer refused refund. I do not have the vehicle. I filed disputes. Cash App denied all XXXX on XX/XX/XXXX. I requested merchant evidence under Reg XXXX XXXX CFR XXXX on XX/XX/XXXX. Cash App responded XX/XX/XXXX with a letter containing ZERO merchant documents. Their letter only reprinted my own dispute and admits I returned the car XX/XX/XXXX and have XXXX proof of notice XX/XX/XXXX. Despite admitting I don't have the goods, Cash App denied my claim and closed my account. This violates XXXX U.S.C. XXXX for failure to conduct reasonable investigation and XXXX CFR XXXX ( c ) ( XXXX ) ( ii ) for failure to provide merchant evidence. Ohio Attorney General complaint filed XX/XX/XXXX against XXXX XXXX XXXX. Cash App is now enabling consumer fraud by denying valid chargebacks with XXXX signed proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
I thought I was communicating with a private property owner and the whole time I was being scammed and I sent XXXX to a chime account in exchange for property keys that was promised to me I never received she just wanted me to keep sending me I wish I have know better because I called chime and explained everything but they said theres nothing they can do I just would like money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid XXXX XXXX XXXX a {$100.00} refundable deposit by credit card on XX/XX/year>. My stay was from XX/XX/year> to XX/XX/year>. I checked out on XX/XX/year>. I did not check out late. The merchant told me they would return the deposit within 210 business days after check-out. The merchant did not return my {$100.00} deposit. I did not request or receive any extra service. They did not provide meal services to me. I did not use their phones. Their parking was free, so there should not be any parking charge. They did not provide video rentals to me. I also did not cause any damage. Bank of America denied my dispute and said the merchant had the right to charge for items such as meals, phone calls, parking fees, video rentals, damages, and similar items that can not be determined at check-out. But the merchant has not provided proof that any of those charges apply to me. I am asking Bank of America to require proof from the merchant. If the merchant says I used meals, phone calls, parking, video rentals, or similar items, they should provide an itemized receipt or proof signed or accepted by me. If the merchant says there was damage, they should provide clear evidence showing the damage was caused by me. The merchant has not provided this proof. I want Bank of America to review this dispute again and refund the full {$100.00} deposit.

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 monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
For multiple years, I have been charged {$12.00} monthly on an American Express account that I can no longer access. Amex refuses to stop the charge or allow me to authenticate my identity using modern knowledge-based ( out-of-wallet ) questions, trapping me in an endless billing cycle. Over the years, my ability to validate my identity through standard front-line methods has eroded : the XXXX email account tied to the profile was XXXX years ago, and my phone number has changed. When I call customer service, representatives ask for a security question ( Mother 's Date of Birth ) that does not match their recordseither due to a past reporting error on my part or a data entry error. When I explain this and request to be identified by alternative methods, or request to be transferred to the Fraud/Security department for advanced verification, the representatives refuse and simply end the calls. Amex is effectively using rigid front-line security scripts to prevent me from stopping an ongoing financial drain. This is the only information I have regarding the charges : Account Number : XXXX Charge Amount : {$12.00} per month for multiple years This {$12.00} is the only activity and payment I make to this account. I do not know if this is a merchant subscription or an internal Amex account fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CHECKredi of Kentucky, LLC
State: AL

Complaint narrative:
I attempted to solve this issue by calling the company directly. Upon calling I got XXXX different answers about fees. XXXX representative said {$30.00} and XXXX said {$50.00}. When I inquired about {$50.00} being over the state allowed maximum the representative got snappy and would not provide any clear answer. When I asked multiple times about their process for withdrawing ACH consent they said they dont allow it, which I know isnt true. As a consumer NO company has rights to ACH withdrawal on an account if consent is withdrawn. At that point I decided not to move forward with attempting to make any additional ACH payments with the company since they did not provide adequate information or acceptable customer service. ACH revocation was sent via email immediately after the ending of the phone conversation to allow time for me to figure out what the issue was with the transactions, and a request was made for any outstanding obligations to be sent via letter. The email was sent both to the XXXX customer service account and to a representative XXXX XXXX who had previously contacted me. The company and representative ignored my communications and charged my account XXXX different times without authorization, XXXX business days later. Additional attempts to communicate were also ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SLM CORPORATION
State: CA

Complaint narrative:
I'm writing about private student loans I took out with Sallie Mae to attend XXXX XXXX XXXX in XXXX, XXXX ( which has since closed ) between XXXX and XXXX. I want to explain how I ended up with these loans, because I don't believe they were made responsibly. In XX/XX/XXXX, I went to my college 's financial-aid office to ask how to cover my balance. We had started down the path of a federal parent loan, but the advisor realized partway through the conversation that I was an independent student and couldn't use it. Instead of walking me through my federal options, she suggested in that same exchange that my mother could cosign a private loan, and listed several private lenders. Within about XXXX minutes I had applied to Sallie Mae and was approved for {$8500.00} at a variable interest rate, with my mother as cosigner, and the school certified it the next day. No one explained the difference between a federal and a private loan, what a variable rate actually meant, or that a private loan would have none of the protections a federal loan has. I was in my early twenties, grieving my father, and I trusted that this was just the normal way to pay for school. That became the pattern. In XX/XX/XXXX I was approved for a second Sallie Mae loan of {$13000.00} again variable rate, again with my mother cosigning. Across XXXX and XXXX I received roughly XXXX Sallie Mae marketing emails to my school address. In the summer of XXXX the financial-aid office sent me three messages in about two weeks marked " URGENT '' pushing a Sallie Mae loan through. When I asked about summer aid in XX/XX/XXXX and was told no federal aid was available, the answer was simply to use a private education loan. What bothers me most is how it ended. In XX/XX/XXXX, the school certified the maximum Sallie Mae loan it could {$10000.00} even though I only owed about {$6000.00} on my account at the time. The very next day, Sallie Mae told me it was holding the disbursement because I was already past due on my earlier Sallie Mae loans. So new private debt was being approved and added for me at the exact moment I was clearly unable to keep up with the debt I already had. All told, I now owe roughly {$39000.00} in Sallie Mae loans for this one school all variable-rate, all cosigned by my mother, and none of it taken on with any real explanation of the terms or my alternatives. I'm asking for this to be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
I disputed all my unauthorized transactions caused from stolen card and banking information stolen. I did not make the transactions but bank denied disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/year> I tried to withdraw {$200.00} from an ATM machine inside a XXXX gas station on XXXX XXXX XXXX in XXXX, Indiana using my Cash App card. The machine failed to dispense any cash and an error on the screen said " General error ; contact card issuer. '' Thinking that the machine must have been out of money, I went to another ATM located in a XXXX gas station in XXXX and tried to withdraw the same amount of money, but this time the message on the machine said " insufficient funds. '' I checked my cash app account and saw that even though the first ATM machine that I went to did not dispense my money, the {$200.00} was still taken out of my account. I went back to XXXX and the manager told me to call the number on the machine, which had a generic message instructing customers whose money was not dispensed correctly to contact their bank. I contacted Cash App support and disputed the transaction. Now it is Friday, XX/XX/year>, and I was just notified that my Cash App account has been deactivated, even though the dispute is still open. No one on the support team can tell me why my account was closed, and I want my {$200.00} back that they held from me and deactivated my account. I have spoken to at least XXXX other people that this exact same thing has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Fay Servicing, LLC
State: CA

Complaint narrative:
Fay servicing violated every law there was to violate back in 2016. They stole my house and sold it. The bank wouldnt accept a payment and it had been XXXX years and Fay came in and forged the documents and our signatures and stole the house and sold it. They took the over {$250000.00} of equity I had in my house and pushed us out and I have been homeless since. They left my kids and I penniless. It would have been XXXX thing if they did it and it was legit but nothing was true and honest. They falsified documents. They didnt even have the right interest amount. I just want what is owned to me. I want the equity. They lied and said they would modify it. It was against the law to even try to collect on this debt as it has been so long since they would accept a payment. Technically the house was mine free and clear. I dont know then what I know now and I wish I had. I want what is owed to me and my family. They put us on the street. There is a class action against them and I want to file a claim as they did us so wrong and basically ruined our lives. Over greed and they are a corrupt entity. I am owed money from them and there should never be a cutoff on fraud. This was fraud. I reported this in the past. Maybe that is what prompted you to look into them. Now that you have and found them guilty I want to be able to get back what was mine. Thank you

Company response to consumer: Closed with explanation