vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am formally disputing an unauthorized debit from my account related to a XXXX transaction and requesting an immediate investigation. On XX/XX/year>, I received a XXXX payment as part of a legitimate business transaction. The sender provided identifying information, including name and email, and the transaction was completed in good faith. After the funds were received, the sender falsely reported the transaction as fraud. Without any prior notice to me, Navy Federal removed the funds directly from my savings account. I am disputing this action for the following reasons : I was not notified before the funds were removed from my account. I was not given the opportunity to provide evidence that this was a legitimate transaction. I have not been provided with any documentation supporting the fraud claim. I have been told I can not dispute this matter, which directly conflicts with my rights under Electronic Fund Transfer Act and Regulation E. Additionally, this handling is inconsistent with a prior situation where I reported a fraudulent purchase and was told no action could be taken. This raises serious concerns regarding fairness and consistency in how my account is treated. I am formally requesting : XXXX. A complete copy of the fraud claim and any affidavit submitted by the sender XXXX. Documentation of Navy Federals investigation and decision-making process XXXX. A clear explanation of why I was not notified prior to the withdrawal XXXX. XXXX reconsideration of this case and reimbursement of the removed funds if the claim can not be substantiated Please treat this as a formal complaint and regulatory dispute. If this matter is not resolved promptly, I will escalate this complaint to the following regulatory agencies : Consumer Financial Protection Bureau National Credit Union Administration I expect a timely written response. Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Legacy Funding Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding a litigation funding loan that has resulted in significant financial hardship and appears to be unfair and excessive in its terms. While represented by counsel in an automobile accident matter, I was advised that my case could take an extended period of time to resolve. Based on that guidance, I inquired about obtaining financial assistance. My attorney referred me to a lender, Legacy Litigation Funding LLC who called me about receiving a loan. Relying on that referral, I entered into a funding agreement, and the loan proceeds were deposited into my XXXX checking account on XX/XX/XXXX. Upon execution of a {$2500.00} loan, my balance went from {$2500.00} immediately to {$3000.00}, the same day. ( See Full Disclosure Box-attached ) As of XX/XX/XXXX, the total repayment amount has grown to {$6100.00}. This amount now exceeds the portion of the settlement proceeds I am expected to receive. After payment of attorneys fees, repayment of this loan, and outstanding medical expenses, I will receive no financial benefit from my settlement. I am concerned that the terms of this agreement, including the rapid and substantial increase in the repayment amount, are excessive and were not fully understood or reasonably explained at the time I entered into the contract. Additionally, I relied on the referral from my attorney, which gave me a level of trust in the transaction that may not have been warranted. This situation has placed me in a position where, despite pursuing a legal claim for damages, I am left with no recovery due to the combined financial obligations. I respectfully request that this matter be reviewed for potential unfair, deceptive, or abusive practices, and that appropriate relief be considered.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Linda Strumpf
State: CT

Complaint narrative:
am disputing a debt that I do not recognize and for which I have never received proper validation. A judgment was entered in Connecticut in approximately XX/XX/XXXX in the amount of about {$1600.00}, with attorney fees of approximately {$4200.00} and costs added. I was not aware of this lawsuit or judgment at the time and did not receive proper notice. I was incarcerated from approximately XXXX through XXXX and therefore could not receive mail or respond to any court proceedings. I also resided outside of Connecticut, including in South Carolina from approximately XXXX through XXXX, and did not receive any notices sent to prior addresses. I was further federally incarcerated from approximately XXXX through XXXX. I only recently became aware of this matter when a notice was sent to a family member at an address where I do not reside. I have never received proper validation of this debt and do not know the origin, nature, or basis of the claim. Despite this, the company is attempting to enforce the judgment through a financial institution execution, which may result in my bank account being frozen or funds being taken without me ever having had a fair opportunity to dispute the debt. I am requesting that the company provide full validation of the alleged debt, including the original creditor, account history, and documentation supporting the amount claimed, including attorney fees. I also request that all collection activity cease until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I sent NCB Management Services a formal written validation request on XX/XX/year>, regarding my alleged debt of {$2400.00} ( NCB Account # XXXX ), pursuant to 15 U.S.C. 1692g of the FDCPA and 12 C.F.R. 1006.34 of the CFPB Debt Collection Rule. On XX/XX/year>, NCB responded with insufficient documentation consisting only of generic boilerplate terms and conditions for an alleged Open-End Line of Credit. These documents do not contain a signed agreement showing I agreed to any specific amount on this alleged debt, do not provide a proper itemized accounting from the original creditor, and do not sufficiently identify my specific account on the bill of sale. This response fails to meet the verification requirements under federal law. On XX/XX/year>, I spoke with representative XXXX XXXX ( phone XXXX ). He insisted the documentation was sufficient for my alleged debt, attempted to coerce me into admitting the alleged debt was mine, and stated they have a legal team when challenged. When I requested to speak to their legal department, he refused. He further stated that these were the only documents received from the original creditor regarding my alleged debt. NCBs actions violate : 15 U.S.C. 1692g ( b ) Failure to provide proper validation after written dispute of my alleged debt 12 C.F.R. 1006.34 Insufficient verification of my alleged debt amount and ownership 15 U.S.C. 1692e Using false, deceptive, or misleading representations regarding my alleged debt This alleged debt has not been validated. I demand that NCB immediately cease all collection activity on this alleged debt and delete all reporting of this account from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TN

Complaint narrative:
I am disputing a collection account that has been reported under my name but does not belong to me. I do not recognize this debt and have never received valid documentation proving that I owe it. I have requested verification, but the collection agency continues to report the account. I am requesting removal of this debt and written confirmation that my credit file has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: LA

Complaint narrative:
am submitting this complaint regarding an inaccurate debt being reported and collected. I made multiple payments directly to XXXX XXXX for the account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These payments include {$250.00} on XX/XX/year>, {$250.00} on XX/XX/year>, and {$170.00} on XX/XX/year>, all of which were confirmed through XXXX XXXX XXXX. Despite these documented payments, a balance of {$680.00} has been placed into collections by Credit Systems International , Inc . This amount does not reflect the payments made and appears to be inaccurate. At this time, there is a clear discrepancy between my payment records and the balance being reported. Neither the original creditor nor the collection agency has provided a complete accounting showing how this balance was calculated. I am requesting : 1. A full payment ledger from XXXX XXXX 2. A detailed breakdown of how the {$680.00} balance was calculated 3. Correction of any inaccurate records 4. Immediate removal of the collection account if the debt can not be properly verified This inaccurate reporting is negatively impacting my credit and must be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collections ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) is reporting a collection account on my Equifax and TransUnion credit reports for an alleged debt of {$250.00} owed to XXXX XXXX XXXX ( insurance ). The account shows a {$0.00} balance but carries the comment " Account paid for less than full balance, '' which is damaging my credit and preventing me from qualifying for a home mortgage. I searched the Texas Secretary of State 's public Third Party Debt Collector bond database at texas-sos.appianportalsgov.com. The only matching record for " Credit Collections '' is file number XXXX bond status CLOSED, cancellation date XX/XX/year>. Texas Finance Code 392.101 prohibits any third-party debt collector from engaging in debt collection in Texas including reporting accounts to credit bureaus without a valid {$10000.00} surety bond on file with the Secretary of State. Credit Collections has had no valid legal authority to collect or report debts in Texas for over a decade. If Credit Collections contends this record does not correspond to their entity, I demand they provide the CFPB with their valid active Texas surety bond number issued by the Texas Secretary of State within their response period. Failure to produce it confirms they are operating illegally in Texas. I am requesting immediate deletion of this account from my XXXX and XXXX credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have been receiving repeated unsolicited text messages from a company identifying itself as a debt collector regarding an alleged XXXX XXXX XXXX balance. These messages have been sent multiple times over several weeks, including Each message states that up to 10 % can be removed from the balance and includes a phone number and a link to visit. The messages are being sent from a short code ( XXXX ), and they appear to be automated and repetitive in nature. I did not provide consent to be contacted via text message, and I have not engaged with this company regarding this alleged debt. Despite this, the messages continue to be sent, which I consider to be excessive and potentially harassing. I have not clicked on any links or called the number provided, as I am concerned about the legitimacy and safety of the communication. The repeated nature of these messages has caused frustration and concern about my privacy and potential misuse of my contact information. I am requesting that the company immediately stop sending these messages and investigate how my phone number was obtained. Additionally, I would like confirmation that my number has been removed from their contact list. Validation of debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
Car was disabled by finance company causing mechanical issues. Car was put in the shop and a title lean was placed on the car. I received no communication or documents regarding balance or any payment recovered. I was current on payments until car needed repair.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: GA

Complaint narrative:
On XX/XX/year> I signed a contract with Credit Sage LLC and was charged {$570.00}. On XX/XX/year> which is within the federal 3-business-day 'cooling-off ' period, I requested to cancel the service and receive a full refund. I received an email from the company confirming that my account was officially canceled. However, when I spoke to a representative over the phone, they stated that I am 'not entitled to a refund ' because they had already started sending dispute letters. Under the Credit Repair Organizations Act ( 15 U.S.C. 1679e ), I have an absolute legal right to cancel this contract without penalty or obligation within three business days. The merchants claim that 'work has started ' does not override my federal right to a refund. I am requesting a full reversal of the charge to my XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: OH

Complaint narrative:
Ive reached out to the company requesting XXXX revoke. They sent me a reply email saying you can go online and do that. I went online to attempt to do it and its not available an option. I requested the XXXX revoke in writing and I saw my account was still charged, which means they did not honor my request. They just referred me to the website that does not have the option to make the edits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
THIS IS A NEW COMPLAINT/ NOT DUPLICATE/ NEW INFO FOUND for same company I have tried to get info from and resolve. Subject : Formal Dispute Inaccurate and Invalid Account Reporting ( XXXX ) To Whom It May Concern, I am writing to formally dispute the accuracy and validity of an account currently being reported on my credit le by XXXX. The account in question is : Creditor : XXXX Account Number : XXXX I am disputing this account on the basis that it is the result of deceptive and misleading lending practices, and therefore should not be considered a valid or accurately reported debt. At the time I entered into this agreement, the loan was presented in a way that suggested an interest rate of approximately 10 %. However, after reviewing the actual payment structure, I discovered that I was being charged approximately {$130.00} in fees on a {$3000.00} balance over a two-week period. This equates to roughly 4.6 % every two weeks, or an estimated annual percentage rate of approximately 120 %. This true cost of borrowing was not clearly or transparently disclosed. The structure of the loan obscures the actual APR and prevents a reasonable consumer from understanding the real nancial obligation. Because of this, I believe the account is based on misleading and potentially unlawful terms. As a result, I am disputing the accuracy, completeness, and legal validity of this account. At the time I entered into this loan during the COVID-19 pandemic, I was experiencing nancial hardship and relied on the terms as they were presented to me. The loan appeared to carry an interest rate of approximately 10 %, which inuenced my decision to proceed. However, I later discovered that the actual cost of borrowing was signicantly higher, with an effective APR of around 120 %. Given my nancial vulnerability at the time, it is especially concerning that the true cost of this loan was not clearly and transparently disclosed. I believe this constitutes a deceptive practice, as I was not provided with a fair opportunity to understand the real nancial obligation I was entering into.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute incorrect information reported by Consumer Portfolio S on my credit report. My name is XXXX XXXX, my date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. The account in question is a credit card debt with account number XXXX, which has been inaccurately reported as charged-off. I have thoroughly reviewed my credit reports from XXXX XXXX XXXX XXXX, and I have found that this account, marked as charged-off, is adversely affecting my credit scores, which are currently XXXX with XXXX and XXXX with XXXX. This is causing significant harm to my financial standing and my ability to obtain credit at favorable terms. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete on my credit report. I believe this account status is incorrect and should not be listed as charged-off. Despite my attempts to address this issue directly with Consumer Portfolio S, I have not received a satisfactory response or resolution. The presence of this erroneous information on my credit reports is unfairly damaging my creditworthiness and has resulted in declined credit applications and higher interest rates on loans. This is a significant detriment to my financial health and planning. I am requesting the complete removal of this account from all three credit bureaus, XXXX XXXX XXXX XXXX, as it is incorrectly reported as a charged-off account. I trust that you will investigate this matter promptly and take corrective action to ensure that my credit report accurately reflects my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into a retail installment credit agreement with XXXX XXXX at their XXXX, XXXX location for a scent diffuser and oil subscription. The sales representative verbally told me I could cancel after XXXX year, which was a material factor in my decision to sign. The diffuser I received was defective and had to be replaced. The replacement unit was also defective. Approximately XXXX months into the agreement I called to cancel, citing the defective product and dissatisfaction with the service. A company representative told me over the phone to simply stop making payments and the account would be closed. I followed that advice. XXXX 's own XXXX XXXX confirmed in a XX/XX/XXXX email that I had reported being misled about cancellation terms at signup, and they stated they would escalate and investigate. No resolution was ever provided. Instead the debt was sold to XXXX XXXX XXXX XXXX and is now being collected by Starmark Financial LLC. The account is currently damaging my credit report with a balance of {$1400.00}.

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 2026-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I increased my Wells Fargo account balance to {$1500.00} on XX/XX/year> to meet the minimum balance requirement, but I was still charged a {$15.00} service fee on XX/XX/year>. I was not clearly informed that the balance increase would not prevent the fee, and I believe the charge was unfair or incorrectly applied. I requested a refund, but the issue was not resolved. I am requesting a full refund of the fee and a written explanation of how the fee was assessed.

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 2026-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This company every month lowers the credit reports me and then lowers to the max to show that im at the max. This is fabricating my usage and my ratio and is hurting my credit score. This is happening almost monthly. When calling and asking I asked they said i would receive a letter. This is horrible to do to a person, I am just making monthly payment to pay it off. I feel like I'm being attacked for no reason at all. I have never had this happen and I need them to stop hurting my credit score

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