vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2025, an incoming wire transfer of {$62000.00} was received into a TD Bank account ( ending in XXXX ) in the name of XXXX XXXX XXXX from our joint XXXX consumer account ( Wire Reference XXXX ). This was part of a business email compromise scam where fraudsters impersonated a settlement attorney and directed the funds to their sham account ; another victim wired an additional {$62000.00} to the same account, totaling {$120000.00}. The funds were rapidly withdrawn by the fraudsters. 

The fraud was discovered on XXXX XXXX 2025, and we reported it to law enforcement ( XXXX Report XXXX. XXXX ; FBI XXXX ID XXXX ). XXXX submitted a recall request ( XXXX XXXX ) on the same day, which TD Bank rejected because the funds had been dissipated. TD Bank 's account exhibited blatant red flags that should have been caught during account opening and monitoring : the LLC was formed only on XXXX XXXX, 2025, signed by the known fraudulent alias " XXXX XXXX '' ( linked to over XXXX fraudulent corporate filings nationwide and money-laundering schemes ), use of a residential address ( XXXX XXXX  XXXX  XXXX, XXXX, FL ) inconsistent with high-value transactions, and immediate receipt/withdrawal of $ XXXX " funnel account '' behavior. These violated XXXX 's Customer Due Diligence Rule ( XXXX XXXX XXXX ), the Bank Secrecy Act ( 31 U.S.C. 5318 ( l ) ), and XXXX guidance, mirroring deficiencies for which TD Bank was fined {$3.00} XXXX in XX/XX/XXXX. 

On XXXX XXXX, 2025XX/XX/XXXX, we sent a formal demand letter to TD Bank citing these failures, UCC 4A-207/208, common-law negligence, and breach of XXXX obligations, demanding reimbursement. 

On XXXX  XXXX 2025, TD Bank responded absolving themselves of responsibility and refusing to assist. To date, no funds have been recovered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I am filing this complaint against Toyota Financial Services due to ongoing administrative negligence related to the XXXX XXXX XXXX XXXX XXXX  of my financed vehicle. 
I am the primary borrower on the auto loan for a XXXX  XXXX XXXX ( XXXX : XXXX ). A co-signer was included at purchase ; however, the vehicle was registered solely under the co-signers name. The co-signer is no longer present in the United States and can not participate in any title or registration processes. 
For over one month, I have contacted Toyota Financial Services multiple times requesting a corrective ownership authorization so that the Florida DMV may update the vehicle registration to reflect me as the rightful primary borrower. Despite repeated explanations, Toyota Financial Services continues to issue relocation authorization letters, which are incorrect and irrelevant to my request. 
I am not requesting a relocation or transfer to another state. I am requesting an ownership correction on the existing Florida XXXX. Due to Toyota Financial Services failure to issue the appropriate documentation or submit the correction directly to the Florida DMV, I have experienced unreasonable delays and administrative hardship.

Toyota Financial Services has failed to provide accurate assistance or escalate my case to the appropriate XXXX XXXX XXXXXXXX  department, despite repeated attempts. 
I am requesting that Toyota Financial Services : Issue a correct ownership clarification letter, or Submit the necessary XXXX  correction directly to the Florida DMV This issue has remained unresolved for over 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I entered into a transaction with XXXX XXXX XXXX with the intent to receive an extension of my credit for the purchase of a vehicle. Unknown to me, the dealership converted the loan contract into a credit installment agreement and then assigned my promissory note to Consumer Portfolio Services , Inc . When I discovered irregularities, I attempted multiple times to rescind the contract with both the dealership and the assignee, but I was repeatedly told I could not. 
Throughout the origination of this contract, I later uncovered forgery, misrepresentation, incorrect finance charges, and other deceptive practices. These issues prompted me to seek termination of the relationship with both the dealership and the assignee. Despite my efforts, the assignee refused to address any of the concerns and continued to report inaccurate information to the credit reporting agencies. 
I submitted numerous disputes through credit repair channels, directly with the company, and through the CFPB. The account reflected several chargeoffs dating back to XXXX. Ultimately, the vehicle was repossessed. The repossession involved a breach of peace at the location where I was staying, and the company that carried out the repossession resisted providing any information. I received no delinquency notices, no notice of intent to repossess, no location or time disclosures, and no lawful opportunity to cure. 
During the repossession, my personal belongings were damaged, and many items were missing. I contacted the company repeatedly requesting assistance, accounting records, ledgers, the identity and authority of the repossession company, and other documentation needed to correct the errors on my credit and address the damages caused by the dealership, the assignee, and the repossession company. I received nothing. 
As of yesterday, the assignee informed me that they have sold the contract and that I must deal with the new holder, as they no longer have the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
My deceased father had a depositor 's account at Barclays Bank. The funds were distributed to we XXXX children on XX/XX/year>, {$63000.00} each. My sister and brother received theirs. I am continually told someone cashed/cleared my check at a XXXX XXXX XXXX . Barclays will not tell me what ad my check was sent. Barclays has told me they know which XXXX XXXX branch the check cleared at, but will not tell me which branch so I know which jurisdiction the crime occurred in.

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 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CO

Complaint narrative:
I went online to the Fafsa page to send a dispute and sent to the info provided, I checked in it several times by calling and no notes were found or information stating I had a complaint/dispute on file. I sent this paperwork twice and both times no confirmation paper work was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XX/XX/scrub>XXXX  someone tried to open a capital one credit card without my knowledge or consent using my person information including name and social security number. 
I contacted their customer service and was transferred to their fraud specialist and then told to hang up and call their application service number. I did and XXXX  said that she closed the application and alerted it as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Wednesday XXXX XXXX,2026 XXXX. 
13 minute Phone call. 
It was debt collector for XXXX that was over 6 years old. I know this because i XXXX XXXX XXXX XXXX XXXX XXXX. Was told that if i didn't pay i was going to get sued and a lawsuit for not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: KY

Complaint narrative:
I have a collections account that fell off my report after 7 years. Now it has re-opened and they are Re-aging this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
I contacted Upstart customer service regarding an additional charge that was applied to my account but does not appear on my dashboard or account history. I spoke with two different representatives, and both interactions were dismissive and unprofessional. 
During one interaction, the representative spoke in a condescending tone, stating well, if you go to your dashboard, and asserted Im not being rude, Im stating fact, despite being unable to clearly explain the charge or identify where it appeared on my account. When I stated that his tone was coming across as rude, he denied this and did not adjust his behavior or provide clarification.

When I requested to speak with a supervisor for further assistance, I was placed on hold and was never provided access to a supervisor or any follow-up. 
As a borrower, I expect transparency regarding fees and professional customer service. Being charged for something that does not appear on my account, combined with dismissive treatment by multiple representatives and denial of escalation, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: MD

Complaint narrative:
I tried to access our Charity account ( XXXX XXXX XXXX  #!, XXXX Maryland XXXX on XXXX XXXX, 2026 and was presented with an error message informing me that our account was locked and that there was a problem with our Charity account with their partner PayPal. There is no problem with our account with PayPal and we are still receiving donations and payments. This is the exact same problem I reported last year and which lingered from XXXX through XXXX when it was finally cleared up due to the XXXX XXXX interceding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
My name is XXXX XXXX and i was checking my credit throiugh XXXX XXXX  on XX/XX/XXXX and noticed an item on there that i have no regulation of this account from Portfolio Recovery for the amount of XXXX now the others i do reconize on there but not this one becaus eit is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I received another statement from Portfolio Recovery re : Account # XXXX stating balance as XXXX XXXXXXXX is far from full and proper validation in accordance with FDCPA 809b.Portfolio Recovery has failed to provide the required validation under FDCPA 809b.I submitted XXXX  validation requests via certified mail return receipt requested ; XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Courts and requlators consider reporting an unvalidated debt to consumer reporting agencies as a form of collection activity. Continuing to report on a unvalidated is considered a violation of the FDCPA. 
Once a debt collector receives a written dispute within 30 days of their initial contact, they must cease all collection efforts-including reporting to the credit reporting agencies. 
I understand that Portfolio Recovery has no period of time to validate.However, it imposes a cease collection bar, which is in effect until they do indeed validate. 
Therefore, Portfolio Recovery remains under the cease collection bar and should remove Account # XXXX from my XXXX XXXX and XXXX  credit reports immediately. 


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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, this company contacted me XXXX times within this four-day period via email regarding an alleged debt. During a prior telephone conversation, I explicitly instructed the company to cease all communications with me. Despite this clear directive, the company continued to contact me through email, rather than complying with my request to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I did a wire transfer out {$340.00} to XXXX  XXXX XXXX which costed me {$370.00} from my Discover savings account on XX/XX/year> XXXX which didnt process until XX/XX/year>. 

We reached out to both banks to confirm where the money went after the recipient didnt receive it. The recipient called their XXXX  XXXX XXXX and kept being told by XXXX  XXXX XXXX that no funds were ever received and nothing could be done and to reach out to the sender. 

On XX/XX/year> my Discover savings was wired back {$290.00}. No matter if I call Discover XXXX department or if the recipient calls XXXX  XXXX XXXX XXXX department neither side could confirm where the money went and why I only received {$290.00} back as the inbound {$290.00} didnt have anything attached to it saying where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank Delaware accepted a payment arrangement around XX/XX/XXXX for my credit card account ending XXXX which was arranged via my online account access. Since that time through XX/XX/XXXX Barclays Bank Delaware has been drafting my personal checking account for the agreed upon payment. I attempted to log in to my online access account on XX/XX/XXXX without success. I contacted Barclays Bank Delaware on XX/XX/XXXX customer service team who then transferred me to the collections team. I was told by the XXXX Department that my account was on " Do not discuss '' and refused to provide any information on when my account was closed, transferred or any details whatsoever. The representative also refused to provide details on where or how my payments were, even though the representative could see that the payments had been continuously being drafted by Barclays Bank Delaware. I was then transferred back to the customer service team who stated that they would manually stop all future payments. Barclays Bank Delaware refused to provide me with any details on my payments and never mailed me any statements notifying me that my account was being charged off and that payments would continue.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
RECMGMT is falsely reporting on my credit. I have never had any accounts with them. Per my research RECMGMT 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 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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, a wire transfer of {$62000.00} was sent from our joint Citibank consumer account ( ending in XXXX - joint accountholder is XXXX XXXX, Wire Reference XXXX ) to a XXXX XXXX account ( ending in XXXX ) in the name of XXXX XXXX XXXX. This transfer was fraudulently induced as part of a business email compromise scam, where fraudsters impersonated a settlement attorney in a legitimate business transaction and provided sham wiring instructions. We did not knowingly authorize the transfer to the fraudsters and received no benefit from it. 

The fraud was discovered on XX/XX/year>, when the legitimate recipient confirmed non-receipt of funds. We immediately reported it to Citibank on the same day ( XXXX XXXX XXXX XXXX ) and requested a recall, which Citibank submitted XXXX We also filed reports with law enforcement ( NYPD Report XXXX XXXX ; FBI IC3 ID XXXX ). Citibank denied our reimbursement claim on XX/XX/year>, stating the wire was " authorized by you '' and that the beneficiary bank confirmed funds were withdrawn and unavailable for return. Their denial ignored red flags, such as the beneficiary LLC being formed only on XX/XX/year>, signed by the known fraudulent alias " XXXX XXXX '' ( linked to over XXXX fraudulent corporate filings nationwide ), use of a residential address ( XXXX XXXX XXXX XXXX XXXX, FL ), and immediate withdrawal of {$120000.00} ( including funds from another victim ). 

On XX/XX/year>, we sent a formal demand letter to Citibank appealing the denial, citing failures in fraud detection, commercially reasonable security procedures, and potential violations of the Electronic Fund Transfer Act/Regulation E ( as alleged in the ongoing XXXX  lawsuit against Citibank for misclassifying XXXX  wires from consumer accounts ), XXXX  XXXX XXXX common-law negligence, and NY XXXX XXXX. 

On XX/XX/year>, Citibank responded absolving themselves of responsibility and refusing reimbursement. To date, no funds have been recovered, and Citibank has not provided investigation documents as requested.

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