vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX Warfield is attempting to collect a debt on behalf of XXXX XXXX XXXX originating from a Virginia lease that ended in XX/XX/year>. Under Virginia 's five-year statute of limitations ( Va. Code 8.01-246 ), this debt is time-barred and no longer legally collectible. When I contacted Hunter Warfield to discuss resolution, I was not informed that this debt was time-barred. I was pressured to pay the full balance of approximately {$2100.00} with no disclosure that the statute of limitations had expired. Under the Fair Debt Collection Practices Act, collectors are prohibited from collecting or threatening to collect time-barred debts without proper disclosure. I am requesting that this account be removed from my credit report and that all collection activity cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent an ACH transfer on Friday, XXXX XXXX in the amount of {$15000.00}. The transfer did not go through and I received notification on Tuesday the XXXX. The money was not received by the other institution and has not been returned to my account from my institution ( chase ) and is necessary for ongoing operations. Upon inquiry, I was told that it would be another 3 to 5 days before the money was processed and returned to my account. If withholding my funds for this extended amou nt of time is not illegal, it is at a minimum immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally Financial is attempting to collect an alleged auto loan deficiency balance without providing legally required validation under the Fair Debt Collection Practices Act ( FDCPA ) and without providing any documentation showing that I am legally responsible for this debt. They also failed to provide required repossession and sale documents under UCC Article 9. What happened? On XX/XX/year>, I sent Ally Financial a written request for validation of an alleged deficiency balance related to auto loan account. My request specifically asked for : A complete copy of the original signed retail installment contract bearing my signature The VIN, year, make, and model of the vehicle A full payment history The repossession notice, notice of sale, and all disposition documents A detailed deficiency balance calculation, including sale proceeds and fees Proof that Ally Financial has the legal right to collect this alleged debt On XX/XX/year>, Ally responded but did not provide : The signed contract Any document bearing my signature The repossession notice The notice of sale Sale/disposition documentation A deficiency calculation Proof of legal right to collect They only provided payment history, basic vehicle information, and confirmation of repossession and chargeoff. They also stated they reported the account to credit bureaus and recently marked it as disputed. Why this is a problem : Ally has not validated the debt as required by 15 U.S.C. 1692g ( b ). Without the signed contract or any documentation establishing liability, they can not legally continue collection activity or report the debt as valid. Additionally, the divorce decree awarded the vehicle to my exspouse, who had exclusive possession and responsibility for the vehicle. I had no access to the vehicle, no ability to prevent repossession, and no benefit from it after the divorce. Ally has provided no documentation showing that I agreed to this loan or that I had any responsibility for the vehicle after the divorce. Despite failing to validate the debt, Ally continues to report the account to credit bureaus and has not closed the account. What I am requesting from the CFPB : I am requesting that the CFPB require Ally Financial to : Provide full validation of the alleged debt or acknowledge that they can not validate it Cease all collection activity Remove all negative credit reporting related to this account Close the account in full due to inability to validate liability for either party Confirm in writing that no further collection or reporting will occur Ally has not met their legal obligations under the FDCPA or UCC Article 9, and they are reporting an unvalidated debt to credit bureaus. I am requesting CFPB assistance to resolve this matter.

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Beginning in XX/XX/XXXX, a third-party merchant ( XXXX ) processed hundreds of unauthorized charges totaling over {$11000.00} across my two Citi accounts . I disputed all charges due to unauthorized auto-enrollment in recurring billing I never agreed to. Citi initially issued conditional credits and resolved many disputes in my favor. However, in XX/XX/XXXX Citi suddenly closed both accounts a XXXX XXXX I had held in good standing since XXXX and a XXXX XXXX card citing 'false information. ' I was never provided a formal adverse action notice or closure reason codes. On XX/XX/XXXX I contacted Citi via chat, was transferred to three representatives including escalation, and was repeatedly told a letter was emailed but it never arrived. Representatives confirmed they could not provide closure reason codes in chat. The account closures and negative reporting have severely damaged my credit despite the fact that the disputed charges were the result of a third-party merchant 's unauthorized billing practices, not misuse on my part. I am requesting the specific reason codes for both closures and removal of any negative credit reporting resulting from these closures.

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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express advertises credit as a benefit to their credit card. Their American Express XXXX offers a credit for paying for XXXX XXXX memberships. The terms stated enrollment is required and payment using the American Express card is needed to receive the credit. On XX/XX/year>, I enrolled in the XXXX membership I confirmed the enrollment and the American Express Benefits page showed I was enrolled I paid my XXXX monthly fees on XX/XX/year> using my American Express credit card for {$250.00}. I did not receive the credit. I called American Express on XX/XX/year>. The CSR informed me I was unenrolled. I asked who unenrolled me and they did not know who provided the unauthorized unenrollment. The American Express webpage does not have an option to unenroll on the customer 's end. I contacted XXXX who informed me I was already enrolled. They were not aware of switching credit cards would unenroll any benefits. They suggested to contact American Express as it was a software issue. The XXXX terms does not list any information regarding unenrollment or changes in forms of payment. On XX/XX/year>, I called American Express again. They informed me, XXXX had unenrolled me on XX/XX/year> without my authorization. They stated because I used a different credit card, XXXX unenrolled me based on a software issue with automatic unenrollment when switching forms of payment. I never received any notification of unenrollment. I did not authorize any unenrollment. I followed the terms for both American Express and XXXX. I enrolled as required, paid using my American Express Credit card as required, and did not receive the credit as advertised. American Express is blaming the vendor when I followed all the conditions of the term. The scam is when I enrolled, confirmed I was enrolled, wait a few weeks, ask about the credit, and then somebody on the back end, or a software error, results in my status being changed to unenrolled Please refer to XXXX chat conversation as reference form American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I was an involved in a car accident in the country of XXXX that totaled my truck. I had full coverage insurance in the United States and full coverage insurance in XXXX and neither company would make payment to Toyota for the remainder of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
* * RE : CEASE AND DESIST VIOLATION OF FEDERAL LAW ( 15 U.S.C. 1692c ) * * To Whom It May Concern, This letter serves as formal notice that you must * * immediately cease and desist * * from all forms of communication with me regarding any alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, text messages, and written correspondence. Under the Fair Debt Collection Practices Act, specifically * * 15 U.S.C. 1692c ( c ) * *, once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except under very limited circumstances defined by law. Furthermore, your continued actions may constitute harassment and abuse under * * 15 U.S.C. 1692d * *, and unfair practices under * * 15 U.S.C. 1692f * *. In addition, I dispute the validity of this alleged debt. Your continued reporting or verification of this account to any consumer reporting agency, including but not limited to XXXX, XXXX, and XXXX, without proper validation may constitute a violation of the Fair Credit Reporting Act. * * You are hereby instructed to : * * 1. Cease all communication with me immediately. 2. Cease reporting this account to all credit reporting agencies. 3. Remove any existing negative reporting related to this account. Failure to comply with this notice will result in me documenting all violations and pursuing legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office, as well as seeking civil damages. This is an attempt to correct your records and resolve this matter without further escalation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Lendmark Financial Services
State: AL

Complaint narrative:
I had a mortgage loan for around $ XXXX that I had satisfied in full as of XXXX with lendmark financial in XXXX, Alabama on XXXX XXXX. ( XXXX ) and they never filed a lien release with probate. I am 15 days away from closing on the sale of my home and the purchase of a new one, but because they didnt file a lien release nearly 10 years ago, both closing dates are on hold until it is recorded with probate. Lendmark has been unhelpful, giving the run around and now has become unresponsive and angry/lacking patience and willingness to help. I have recieved nothing and have been told its now my job to find proof of lien satisfaction and provide them with it because they cant go back that far in their records to see where it was paid in full anymore. Customer service at corporate office says otherwise and told me that the local office absolutely can access archived files and it is solely their job to do so and have it filed with probate, but they are refusing to do so and have hung up on me after telling me there is nothing they can do. I do not want to be unable to close on the homes sale and purchase because of this clerical failure by lendmark. I do now know what else to do other than escalate this with the hopes of a quick resolution. I am elderly, XXXX, I lost my home in a house fire and lost all paperwork regarding lendmark in said fire. I just want to buy a home for myself to be closer to my great XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
* * RE : CEASE AND DESIST VIOLATION OF FEDERAL LAW ( 15 U.S.C. 1692c ) * * To Whom It May Concern, This letter serves as formal notice that you must * * immediately cease and desist * * from all forms of communication with me regarding any alleged debt you claim I owe. This includes, but is not limited to, phone calls, emails, text messages, and written correspondence. Under the Fair Debt Collection Practices Act, specifically * * 15 U.S.C. 1692c ( c ) * *, once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except under very limited circumstances defined by law. Furthermore, your continued actions may constitute harassment and abuse under * * 15 U.S.C. 1692d * *, and unfair practices under * * 15 U.S.C. 1692f * *. In addition, I dispute the validity of this alleged debt. Your continued reporting or verification of this account to any consumer reporting agency, including but not limited to XXXX, XXXX, and XXXX, without proper validation may constitute a violation of the Fair Credit Reporting Act. * * You are hereby instructed to : * * 1. Cease all communication with me immediately. 2. Cease reporting this account to all credit reporting agencies. 3. Remove any existing negative reporting related to this account. Failure to comply with this notice will result in me documenting all violations and pursuing legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office, as well as seeking civil damages. This is an attempt to correct your records and resolve this matter without further escalation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I wrote Santander through email to formally request an explanation as to why my XXXX XXXX orders were rejected, They have continued to just state it was denied do to me being XXXX XXXX before purchasing the vehicle. Despite documentation showing that I am currently serving on XXXX XXXX in the XXXX and XXXX. They also sent me multiple letters stating the documentation required to move forward to recieve SCRA approval ; examples like a change in duty station or XXXX orders in which I have submitted. They stated they do not have to give me the reason as to why the required documents they requested was rejected.I submitted these orders in support of my request to reduce my vehicle loan interest rate so that it does not exceed 6 %, as provided under the Servicemembers Civil Relief Act ( SCRA ). Failure to properly apply SCRA protections, including the 6 % interest rate cap for eligible active-duty servicemembers, and the assessment of any improper fees, left me no choice but to escalate this matter through the appropriate federal agencies and pursue all available civil remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a checking account with JPMorgan Chase that was later closed along with my online banking access and XXXX XXXX. The issue began after a {$400.00} XXXX transaction that was completed in person and authorized at the time of the exchange. After the other party reported the transaction as unauthorized, the funds were reversed and my online banking access was disabled. Eventually, I was informed that my account and digital access were closed due to a fraud or risk-related designation. I contacted XXXX XXXX for clarification, and they informed me that the restriction or fraud-risk flag appears to be associated with JPMorgan Chase . I was advised to contact JPMorgan directly to request removal of any fraud or online banking restrictions linked to my profile. I have had a long-standing banking history without prior fraud issues. I provided evidence of the in-person transaction and have attempted to resolve the issue directly with the bank, but was told no further action could be taken at the branch level. I am requesting a review of the fraud/risk designation and any associated records affecting my ability to access banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit One LLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage did not pay my insurance on my condo. I had a hurricane loss. It was uncovered because they did not pay my insurance.

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 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I am filing this complaint regarding a collection account connected to alleged charges from XXXX XXXX XXXX XXXX. I previously disputed the debt with the collection agency in writing and requested validation and documentation supporting the alleged balance. The debt remains disputed. My dispute is based on the underlying dental charges, including services I did not agree to receive or believed were not properly owed. I also have payment records showing that I made payments related to the dental treatment, including a credit card payment for the XXXX amount. Despite the unresolved dispute and my request for documentation, the collection agency reported the account to the credit bureaus. I discovered the collection on my credit report on or around [ date you discovered it ]. I am concerned that the agency reported inaccurate or incomplete information and failed to properly handle a disputed debt. I am requesting that the company : Provide complete validation of the alleged debt, including an itemized billing statement, signed authorizations, payment history, insurance records if applicable, and a calculation of the balance claimed ; Correct any credit reporting to reflect that the debt is disputed ; Notify all consumer reporting agencies of the dispute status ; Delete the collection account from my credit reports if the company can not substantiate the debt accurately ; and Provide written confirmation of all actions taken. I have attached copies of my prior dispute letter, any available payment records, and the credit report page showing the collection account.

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