vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear XXXX  Support, I am writing regarding my account access and the recent request for additional identity verification.

I have already verified my email address, phone number, and the last four digits of my debit card on file. However, XXXX  is now requesting the first six digits of my debit card and a copy of my government-issued ID. After reviewing your Privacy Policy, I did not find language that clearly states these items are required for users who have already verified their identity through multiple other methods.

Before I provide any further personal information, I am requesting clarification in writing on the following : The specific law, policy, or regulatory authority that requires XXXX  to obtain both the first six digits of my debit card and a government ID after partial verification was provided ; Whether my information will be stored, shared, or retained beyond what is necessary to confirm identity ; What alternatives exist if I decline to submit additional personal documentation ; and Whether my account may remain active while this matter is reviewed.

Please confirm receipt of this message. I request a written response addressing the items above as soon as possible. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Early XX/XX/year> I submitted a credit protection benefit claim. The claim got paid for that month and the claim was for unemployment. Well, from my understanding, it was going to cancel my bailout. Until I obtained a job or obtained benefits from unemployment, such as payment. However, because of the shutdown, I couldn't get any help until XXXX. Some of my bills are piling up at this point. They mailed me the package to fill out XXXX XXXX. XXXX and XXXX. I sent them all back by mail. They still kept sending them. So instead I emailed the forms, they got him, they deny my benefit. Why I don't know they paid the first one.The contract says something about helping for XXXX  months. I'm obviously unable to make the minimum payment like they ask you to but hello you paid my last bill so I'm under the assumption your canceling the bill until I have funds to pay. Now that you denied my benefit. My credit score will be demolished for late payments. Once I get back to the normal days. I'm paying off indigo and terminating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I paid a {$700.00} appraisal fee in connection with a mortgage refinance application. The appraisal report I received was materially inaccurate and significantly undervalued the property based on incorrect and inappropriate comparable properties. 

I submitted a formal appraisal dispute shortly after receiving the report. Throughout the process, I experienced ongoing communication issues with the mortgage company, including long response delays, unanswered emails, and difficulty obtaining clear guidance or status updates. 

After several weeks with no meaningful response, the lender eventually replied and informed me that I needed to resubmit the appraisal dispute, despite having already provided the required documentation. No explanation was given for the delay or for why the original dispute was not processed. 

Due to the lenders prolonged delays, poor communication, and failure to handle the appraisal dispute in a reasonable timeframe, I withdrew my refinance application. At the time of withdrawal, I formally requested a refund of the {$700.00} appraisal fee. 

Since withdrawing the application, I have received no response regarding the refund request, despite multiple follow-up attempts. The appraisal dispute was never properly reviewed, and the application was terminated due to the lenders inaction rather than borrower choice. 

I am requesting a refund of the {$700.00} appraisal fee based on the lenders failure to provide timely dispute resolution, adequate communication, and reasonable customer service.

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 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I formally dispute an alleged $ XXXX debt related to XXXX XXXX XXXX XXXX XXXX The debt was disputed in writing with the original creditor prior to placement with IC System. The charges involve disputed claims of mold and water damage related to habitability and maintenance failures. IC System contacted me without providing written validation. I am requesting investigation and confirmation that collection activity and credit reporting are paused pending validation.

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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
My vehicle was repossessed by Toyota Financial Services in late XX/XX/year>. Since the repossession, I have not received any written post-repossession notices, including a notice of my right to redeem the vehicle, a notice of intent to sell, or any information regarding whether the vehicle has been sold. 

Toyota Financial Services provided a redemption payoff amount verbally by phone. I did not receive any written post-repossession notice explaining my redemption rights, deadlines, or the status of the vehicle. I am requesting confirmation of whether the vehicle has been sold and copies of all post-repossession notices Toyota Financial Services claims to have sent, including the dates, method of delivery, and address used. I am concerned that required post-repossession notices may not have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company is reporting information on account that either doesn't exist or doesn't allow access to. Records shows my account is accurate and current with no late reporting, yet company is reporting misinformation from a past account onto a new account with any of the previous accounts information. Company recent sent credit card with different information on the website than what the physical card reads ... tried correcting, but the card still does not work and account is getting reported on late charges

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 2026-01-09 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I hired a lawyer. That person did no work for me. My original claim was {$4100.00} and then changed to {$1000.00} after receiving a partial check for no work done. I was been repeated given wrong info on where to send my proof to that supports that person did XXXX of the work I paid them to do. I am very unhappy with how they have handled things and believe they have broken many FCBA for not following the rules that are leading to my account about to be closed as well. My credit score is getting impacted which from my understanding goes against the FCRA duty.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased. pair of XXXX XXXX XXXXXXXX XXXX XXXX The estimated delivery date was XX/XX/XXXX. Upon contacting support, they informed me it would likely be here AFTER this date. I requested that the order to be cancelled and refunded, which they refused and told me to wait until the item has been delivered. 
Fortunately, the item made it on time, however I still sent back the item on XX/XX/XXXX via XXXX where it was signed for the next day by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After nearly XXXX weeks of no response, I contacted XXXX XXXX on XX/XX/XXXX in an attempt to figure out what is going on, as the package has been received. 

They had let me know that their logistics team had misplaced the item, and they were unable to locate it. After nearly a week of being " investigated, they are still unable to provide any information, despite sufficient proof of the item being sent back and received by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to dispute certain late payment entries that XXXX XXXX XXXX, XXXX is reporting for the above-referenced account. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 and 1681s-2.

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
Consumer complaint received 2026-01-09 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: AL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: MS

Complaint narrative:
I am an auto loan customer in Mississippi. I scheduled my XXXX payment on time through the lenders online portal for XX/XX/XXXX & XX/XX/XXXX. Due to normal ACH processing, the payment drafted on XX/XX/XXXX and XX/XX/XXXX. 
Despite having a payment arrangement in place and despite repeated requests to stop contact, the lender continued to text, call, and email me implying nonpayment. 
I have revoked consent to be contacted electronically. This conduct is harassing, misleading, and constitutes improper servicing during a pending payment period

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I did not authorize the previous residence XXXX XXXX XXXX to sell my information to this debt collector. Upon leaving the residence in XX/XX/year> I was notified that my account balance was {$0.00} after I made my final payment for the deposit to clean up. Months later I began to receive harassing calls from National Credit systems every week in the morning in the evenings while at work and also on the weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma and the lack not sharing XXXX information always getting emails text talking about I applied for loans and credit card now I'm having accounts made and don't have no knowing about. Now I have to freeze my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding the repossession and sale of my vehicle by [ Lender Name ] in XXXX XXXX. 
My vehicle was repossessed on or around [ repossession date ]. Shortly after the repossession, the vehicle was sold. I was not provided proper notice of my right to redeem the vehicle, the amount required to do so, or the date and method of sale prior to the vehicle being sold. 
Under XXXX XXXX  law, lenders are required to provide timely and specific post-repossession notice and a reasonable opportunity to redeem the vehicle before sale. Because the vehicle was sold shortly after repossession and without proper notice, I was deprived of my legal right to reclaim the vehicle. 
Despite this, the lender is now attempting to collect a deficiency balance. I dispute the validity of this deficiency due to the lack of proper notice and the failure to comply with XXXX XXXX  repossession and sale requirements. 
I am requesting a full investigation, written documentation proving compliance with XXXX XXXX  law, removal of the deficiency balance, and correction of any inaccurate credit reporting related to this repossession. This repossession and deficiency balance are being reported to my credit inaccurately and are causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sold used car and received {$10000.00} Wells Fargo check under my name.since I have Wells Fargo account for many years without any sort of issues and concerns.I went inside the bank on XXXX XX/XX/XXXX and deposited the check.while I was depositing the check I asked the teller to please make sure the check was legit and when will the funds be available for withdrawal.she told me since it was a Wells Fargo check, {$2500.00} was available right away and the rest will be available the following day. 
I came home and about XXXX hrs later I received message on my email from Wells Fargo fraud department saying that the check that I deposited was not legit and that the bank will close my account on XXXX called right away and talked to fraud department and they told me that I have to wait til Tuesday XX/XX/XXXX for the checked to be returned unpaid and also told me that my account will be closed on XX/XX/XXXX. 
I was victim of fraud and scam and because of all these my checking account will be closed due to not any of my fault. 

Thanks 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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I was approved for the loan @ 5 % down but only for XXXX  years and not the XXXX I wanted. When I asked why not XXXX  years he said it was because of my age. I believe his name was XXXX. XXXX told me they could loan to me for XXXX years but I would have to put down 20 % instead of 5 %. This is ridiculous. Who are they to say I wont live to be XXXX? Totally unacceptable. The Company is 21st Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Ive been using Zelle for years in XXXX day they said that they needed to verify me. I went into complete the verification, but my new ID wasnt here yet. When I went back to complete the verification of my ID became it was no longer allowing me so Ive reached out to customer service, but nobody was able to help me and its been like this for the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit collection services called me repeatedly from XXXX beginning XXXX  years ago to collect a debt from a miss XXXX. I don't know XXXX XXXX and she had the phone number before me. I informed the CCS agent of this and that I didn't want to be called by them. After telling them this XXXX times the calls stopped for XXXX years. XXXX the XXXX XXXX they began calling again. They have called me XXXX time with the most recent call coming XX/XX/XXXX. I put the number to call block which forwards the call directly to voicemail. They never leave a message but I get notifications that I have to clear. I feel this is a clear violation of the protection in place for consumers and want to be compensated for each call which is harassment. I dont owe them anything and when I have answered the phone they were rude and disrespectful. I am only guilty of getting a new phone number and I pay my debts and should not be subjected to harassment for someone else 's debt. They called XX/XX/XXXX XXXX XXXX in XXXX XXXX XXXX in XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I didnt even know my account was frozen. I never received an email or a reason why I contacted a customer service who told me I needed to verify my identity send a picture of my ID was never told anything other than wait for an email could take up to 5 to 7 days I have been waiting. They will not give me no more answers. My funds are locked into that account and I can not withdraw them. I can not use them. I do not have access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> Portfolio Recov Assoc Acct # XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist Notice 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me immediately regarding the above-referenced account. 
Under federal law, once a consumer provides written notice requesting that a debt collector cease communication, the debt collector must not communicate further, except to confirm that communication has ceased or to notify of specific, lawful actions that may be taken. 
Accordingly, you are instructed to immediately stop all forms of communication, including but not limited to : * Telephone calls * Text messages * Emails * Letters * Contact through third parties * Credit reporting used as a communication tactic Any continued contact after receipt of this notice will constitute willful non-compliance with the FDCPA and may subject your organization to civil liability, including statutory damages, actual damages, attorneys fees, and court costs. 
This notice is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful exercise of my rights under federal law. 
Please confirm in writing that you have complied with this request. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Range View Management LLC
State: OK

Complaint narrative:
company sent me a letter offering a pre approved debt consolidation loan but at the point of acceptance i was presented with a debt restructuring program.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX has frozen my account and placed a 180-day hold on my funds without providing a clear explanation or evidence of wrongdoing. My account was locked on XX/XX/year>, and I was informed that my funds would be held for 180 days. 
The amount being withheld is {$3300.00}, received as a direct deposit of legitimate personal funds. 
I have contacted XXXX support multiple times and have only received generic responses referencing their User Agreement, without identifying any specific policy violation, evidence, or meaningful appeal process. 
This prolonged hold is unreasonable, lacks transparency, and is causing financial hardship. XXXX has failed to provide due process or a clear timeline for resolution. 
I am filing this complaint with the Consumer Financial Protection Bureau due to XXXX failure to provide transparency, timely access to my funds, or a reasonable resolution.

Company response to consumer: Closed with explanation