vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
I entered into a written payment arrangement with XXXX XXXX XXXX, acting on behalf of Giggle Finance Inc., which expressly stated that amounts collected would be credited toward the account balance. 

Under that agreement, I made XXXX payments of {$50.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three payments were withdrawn from my bank account and cleared. Despite acceptance of these payments, they were never credited to my account balance. 

XXXX XXXX own online account dashboard does not reflect these payments and continues to show the same balance as before the payments were made. As a result, the balance being asserted is inaccurate. 

While the payments were not credited, enforcement pressure continued, including the filing and maintenance of an active XXXX financing statement based on the incorrect balance. 

After the final payment cleared on XX/XX/XXXX, XXXX XXXX XXXX ceased communication. I filed a CFPB complaint on XX/XX/XXXX regarding this issue and received no response. As of XX/XX/XXXX, the payments remain uncredited and the balance remains incorrect. 

I am submitting this complaint due to misapplication of payments, failure to correct an inaccurate balance after notice, continued enforcement based on that incorrect balance, and non-responsiveness to date.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I set up an item to sell on XXXX. I got an email saying I needed to verify my information. Everything appeared to be from XXXX. They asked for a code text to me and I gave it to them. I immediately got a text from XXXX saying they suspected a fraudulent charge. I told them I didn't authorize a charge. They said they would cancel my debit card and stop the transaction. Then to my surprise on XX/XX/year> I got a {$270.00} charge from XXXX, XXXX. I called the bank on XX/XX/year> to dispute it and they said it would take XXXX  days. I haven't heard a word from them until I called again today and they said they mailed a letter on XX/XX/year> saying it was denied. XXXX said I gave them a code and XXXX wasn't giving my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: NC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA XXXX, XXXX ( a ), XXXX ( b ), and XXXX ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
With One Main financial I was making payments XXXX earlier than the due date but was still getting charged interest for days that I shouldn't have been then I request for a couple of payments to go toward the principal which was refused I've made before time payments of {$420.00} and some change over a year but it still appears as if I was making payments of {$1.00} XXXX became homeless and asked for some time to get things in order but the harassment quickly became aggressive so I stopped payments because I needed to see the paperwork I requested I asked for them to remove the fees that was refused also they wanted to add more and I refused they came and took my Car in XXXX, XXXX  from a loan that was in XXXX I just found stable housing for me and my Daughter which we are both XXXX and now this happened due to trying to survive & paying for motel stays it was hard

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received this email from XXXX. I have not applied for a credit card from this company. This is the third account that has been attempted to be opened without my permission. This is the information in the email that I received on XXXX XXXX, 2026. 


Your XXXX XXXX XXXX  online credit request. 
Hi XXXX, Thank you for your recent XXXX XXXX XXXX credit request. Please click the link below to view our response to your credit request via our secure site. Reference Number : XXXX XXXX XXXX XXXX Credit Services

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, just before XXXX XXXX, I attempted to deposit {$500.00} in cash at the drive-through ATM located at the Citizens Bank branch at XXXX XXXX XXXX XXXX .

During the transaction, the ATM returned {$300.00} of the cash and displayed a message stating that the transaction could not be processed, followed by transaction canceled. The remaining {$200.00} was not returned and was never credited to my account.

I selected the option to receive a receipt, but no receipt printed.

I immediately filed a claim with Citizens Bank. Several days later, I was issued provisional credit, indicating my claim was credible and under investigation. 

On XX/XX/XXXX, the claim was denied without any notification to me by email, secure message, phone, or mail. I only discovered the denial by reviewing my account on XX/XX/XXXX. 

I am requesting a full reinvestigation of this ATM malfunction, including a review of ATM balancing records, electronic journal logs, and video footage from the time of the transaction. I am also requesting written documentation of the investigation results, as required under Regulation E.

I strongly believe this denial is incorrect and that the ATM retained {$200.00} of my deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: WY

Complaint narrative:
I have called five times and customer service has consistently given me inaccurate information. All of the staff reported that both of my consolidated loans needed 50 more payments and had 70 qualifying payments. Until I asked very specific questions because what the agents were telling me and what my account stated were conflicting. Today, all of the sudden, my one loan has had an additional 15 payments that will need to be made. On my account, there is a statement showing there are 8 qualifying months that need employment verification. I have asked many times prior to consolidation and no one will give me those dates. Also, I was never informed once I consolidate, I can not use the buyback, and I do not receive any credit for months on forbearance. I had called multiple times to inquire about the buyback. Last week I called and was told I could buy back 11 months, then today I am being told I can not buy back any months. I have made three different phone calls in the past two weeks, and I never get the same information.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 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: AZ

Complaint narrative:
" On XX/XX/XXXX, Citibank closed my credit card account ( # XXXX ) citing a missed payment from XXXX XXXX XXXX on my XXXX report. 

This reported payment from XX/XX/XXXX, was inaccurate. I disputed it with XXXX, and they completed the correction of my report by XX/XX/XXXX. 

On XX/XX/XXXX, I sent Citibank a formal dispute letter via certified mail ( tracking # : [ XXXX XXXX ] ). I provided proof that the information they relied on was false and had been corrected for weeks, and I requested they reinvestigate and reevaluate the closure. 

Citibank 's responses have ignored this proof and my request for a legally mandated investigation. They are upholding an adverse decision based on information that has been formally corrected, violating my rights under the Fair Credit Reporting Act. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
They keep charging me late fees which brought my account over the limit. Then they charged me overlimit fees, then the awful interest. 
Milestone/Concorde credit is the name there number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
I have been dealing with Debt Recovery Solutions , LLC for months trying to resolve a medical debt that was paid off. I would call and they would direct me to another company saying the medical provider needed to reach out to the first company the medical debt was sent to. I asked for validation of the debt in XXXX and they said they would not be able to provide it until the provider reached out. I received documentation of all bills being paid via the hospital and called in to see who I needed to send the information to and they provided a false email that did not work. After going on the provided website, I noticed there was no means besides a number to contact the company in regards to the debt. The amount was stated as {$2000.00} sent via a letter on XX/XX/year>. I contacted the hospital as soon as the letter came in and they said there was no balance on the account and they do not know why years later this debt would be coming up. The balance was posted to my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: NC

Complaint narrative:
XXXX\nFnbo BankXXXX XXXX XXXX XXXX XXXX XXXX XXXXDear Escalation \n\nWe have attempted to put our card on Paperless Statements and to Enable Paperless Statements but there were technical to access our account and to prevent fees.  We were also unaware that fnbo bank would apply such fees to mail us a paper statement and have not receive any notice in advance.  Therefore, we are requesting refunds on Fee Charges for Paper Statement Fee due to the above reasons.  Please refund the following statement in the amount of $XXXXTotal refund: $XXXXThank you.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 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/year> Unexpected Interest charge of {$1800.00} was added to a {$2000.00} balance. 

Refused to removed interest charge unless I paid in full

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and my XXXX loan account. 

I requested XXXX XXXX assistance due to serious ongoing XXXX XXXX that have significantly affected my ability to work and maintain income. I am seeking reasonable XXXX XXXX  such as payment deferment or reduced payments while I continue medical care. 

XXXX XXXX XXXX has not provided an affordable or reasonable hardship option despite my good-faith request. I am concerned about the risk of delinquency or repossession while I am dealing with documented XXXX XXXX 

I am requesting CFPB assistance to ensure XXXX XXXX XXXX properly reviews my XXXX XXXX request and provides fair and reasonable XXXX XXXX  options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
b'The car I got a loan for is a XXXX XXXX XXXX XXXX XXXX, vin number XXXX, title number XXXX. The loan amount was $XXXX. The title was issued XXXX and the initial lien date was XXXX. I have lost my copy of the title and am trying to get another copy, but the lien is preventing me. The lien holder is Cottonwood Financial XXXX XXXX XXXX The Cash Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to locate them online, I saw that Cottonwood Financial went bankrupt. I have tried several times to get help from The Cash Store, but am only getting a runaround. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
BMO closed my bank account in XX/XX/year> while holding {$2200.00} of my personal funds. 

Since then, I have called multiple times and each time I was told the check was being mailed to my address. I never received anything. 

Later, BMO representatives instructed me to open XXXX new accounts so the transfer could be completed faster. I did exactly what they asked. 

It is now XXXX and I still have not received my money. 

This is an unreasonable delay and BMO is holding my funds without justification. 

I am requesting the immediate release of my {$2200.00}.

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 monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I call the bank almost every Monday and get a different answer. I paid off my loan and have not received my XXXX  Refund check. It is always something different and this has been going on for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I moved out of my apartment XX/XX/XXXX, and received a ledger from the apartment complex saying I owed the next 2 months worth of rent, totaling {$2600.00}. In a follow up email, they said it was an error. Later, that amount plus extra, a total of {$2900.00}, went to this collection agency. I reached out to the apartment complex with no luck, so I tried to reach out to this collection agency. They are horribly rude, unprofessional, and use predatory tactics to try and get people to pay their debt. They refused to listen to anything that I said, and just assured me that the debt was valid and that it was my problem, and Id have to pay them regardless.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Previous complaint # XXXX XX/XX/year> received a tax document from the University of XXXX XXXX Checked my XXXX credit reports and see that someone took out student debt in my name. XXXX loans were obtained totaling {$4800.00}. Filled out ALL the required documents, contacted University XXXX XXXX, the police, had notarized documents from my bank, put freeze on all XXXX credit reporting agencies & filed dispute with each one to remove these XXXX loans from my reports and sent registered mail to Dept of Education of all documents. Time and time again, every single time I call XXXX vantage, which is at least once a month to check on this matter, I get the same old excuses : we didn't receive it, your uploaded documents didn't come through, you'll have to fill out a different form, send it again, etc. It is now XX/XX/year>. This was identity theft per the University and the police. I want these loans removed from my XXXX credit reports. I'd also like to know how the Dept of Education was able to raise the credit limit for the fraudulent loans AFTER I had the credit freeze in place. I am asking the CFPB to ensure Aidvantage complies with federal law and to require all credit bureaus to remove this fraudulent account permanently. And yes I notified the FTC. 

Now this new complaint is because AIDVANTAGE response to the original complaint is for someone else. The XXXX attachments are for a XXXX XXXX and ALL his information. I hope you didn't attach any documents that were for me, to someone else 's complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System is reaching out for a debt that I wasnt even aware of nor had any documentation for and after asking without receiving any communication they have now posted XXXX negative acts to my credit report for the same exact item and refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEM, XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, XXXX 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 - XXXX 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