vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has repeatedly called my phone number even after already leaving a voicemail. After the initial voicemail was left, the calls continued, sometimes multiple times, despite no response from me. This pattern of repeated calls after leaving a voicemail feels excessive and unwanted. I am requesting that the repeated calls stop and that any further communication be conducted in writing.

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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am filing this complaint regarding an account that is being reported on my credit report that does not belong to me. I have no knowledge of this account, did not open it, did not authorize it, and have never entered into any agreement or contract with this company. 

I disputed this account with the credit bureau and requested proper verification, including a copy of the original signed contract or application proving that I am legally responsible for this debt. To date, I have not been provided with any such documentation. Despite this, the account continues to be reported on my credit file as if it were valid. 

Reporting an account that does not belong to me and failing to provide proper verification is inaccurate and harmful to my credit. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverified information must not be reported. 

I am requesting that this account be fully investigated, that the company provide the original signed contract if it exists, and that the account be removed from my credit report immediately if they are unable to verify that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
An unauthorized purchase was made on my PayPal, and I informed PayPal within minutes, followed up the next day and the company who charged my checking account was able to ship something which I have never received, and PayPal refuses to refund my money because the company gave them a shipping and tracking number. I reported this as fraud to my bank to PayPal and my bank is following up, but PayPal has closed the case this is not the first time PayPal has done this, and they should be investigated by every federal institution available for fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: NJ

Complaint narrative:
I am filing a complaint regarding a predatory online loan issued by Credit Fresh. 

I borrowed approximately {$2000.00} and have made consistent monthly payments of {$99.00} since XX/XX/year>. Despite paying nearly {$1900.00}, my current balance remains approximately {$1400.00}. The loan appears to be structured so that payments are applied primarily to interest and fees, with minimal principal reduction. 

I believe the lender failed to clearly disclose the true APR and cost of credit as required under the Truth in Lending Act. The loans structure is misleading and deceptive and has trapped me in prolonged repayment. 

I am requesting CFPB review and assistance in obtaining accurate disclosures and fair resolution, so that I can get this account removed from my CRA. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
The company Jefferson Capitol is attempting to send me a letter about a debt that I disputed with a different company and got it removed from my credit report and I dont even know who Jefferson is. They just happened to send me a letter talking about. I owe some kind of debt And this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
Sent three large checks to Mohela back in XXXX they cashed them and I have the cancelled checks but nothing has been put into my account. 
I have called several times sent them all the documents they wanted and still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have an alleged negative item reported on my consumer report by the name of XXXX XXXX item number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has closed out of nowhere and is continously Charging me fees I need the following : Date Charged off Date of Last payment Date Closed Date of first major delinquency Date of last activity All billing statements- including all Any document showcasing how my payments wereapplied I.E ALLOCATION OF PAYMENT All transfers of my PII to any and all non-affiliated third parties or debt collectors All legal correspondence sent to me as an alleged customer of your company. Please be on notice that if any of this information is not able to be located or is unverifiable it shall be held unveriable to the CRA 's and you shall cease furnishing negative information on my consumer files. I am opting out of all transfer of my PII to any third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A person by the name of XXXX XXXX called my phone impersonating a Chase employee after sending a text notification for a fraudulent purchase. He called my phone stating he was a Chase employee inquiring about the issue. He also informed me of a wire transfer on my account in the amount of {$9300.00} on XX/XX/XXXX. He then stated that there appears to be additional fraudulent charges on my account and that there needed to be an another account created due to the fraud coming from internally at the Chase bank. This resulted in several other wire transfers made {$9500.00} ( XXXX ), {$9600.00} ( XXXX ), {$9400.00}, {$9300.00} ( XXXX ), {$9300.00} ( XXXX ) and {$9200.00} on XXXX. These were made to a XXXX XXXX  under the identity of XXXX XXXXXXXX which I DO NOT have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This will Act as my AFFIDAVIT, as a sworn statement under penalty of perjury. That I XXXX XXXX XXXX am of age and competent to stand trial, state the FACTS below. 

My Attorney in Fact requested a written Statement of Account or TRUE BILL ( by Certified Mail ) it was to be signed by an Executive of XXXX XXXX or Notarized under the Penalty of Perjury, our Notary never received either one! We stated that, if not received in 10 days, then they were in default and had no rights!! 

XXXX XXXX has NO rights, consent or permission for the use of my private information and it is Identity theft when it is used or forwarded to be used! 
Fair Collections & Outsourcing has no written consent to have or use the personal private information of client and has no signed contract with me ( Identity Theft ). 
Just by having and using my information, but sending it through the United States mail, they are committing FRAUD under 31 USC! 

XXXX XXXX has a proven track record of fabricating charges and overcharging from the FTC, that is why we requested it be signed under the threat of perjury. If you have this signed Notarized TRUE BILL, please forward it, if not XXXX XXXX has no right for further contact and must refrain. 

Therefore, Fair Collections & Outsourcing has no consent or right for any further contact or use of my private information and if they do, they are consenting to a Violation Fee of {$10000.00} to be paid in money of account or in XXXX. 
This filed complaint serves as NOTICE and as our witness to our claims! 
Please consult an attorney and proceed at your own risk!

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 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am disputing an alleged debt being collected by Columbia Debt Recovery LLC d/b/a Genesis on behalf of an apartment property identified as XXXX XXXXXXXX. On XX/XX/XXXX, I received an initial collection notice regarding an alleged {$380.00} debt purportedly owed to XXXX  XXXX. 

The alleged debt arises solely from a rental application, not a lease. I never signed a lease, never took possession of the unit, and never became a tenant. No tenancy was created. 

Despite this, the property is attempting to collect move-out and related residential charges, which are improper because I never occupied the unit and therefore could not have incurred move-out obligations. 

In addition, part of the balance includes charges described as non-sufficient funds or similar fees. The payment in question did not bounce due to insufficient funds. The payment was received and later disputed through my bank. The validity of these fees is disputed. 

On XX/XX/XXXX, I timely disputed the debt in writing via email to XXXX, the exact electronic address provided in the notice. In that written dispute, I requested debt validation pursuant to 15 U.S.C. 1692g and stated that I do not owe this debt and was never a resident of the property. 

Despite my timely written dispute, XXXX did not provide validation of the debt. Instead, on XX/XX/XXXX, they sent an additional communication demanding payment, listing payment options, and warning of further collection efforts. This communication did not include validation and constitutes continued collection activity after a written dispute. 

Additionally, the collector has contacted my father via email, whom I listed on my rental application as a potential guarantor. However, no guarantor application was completed, no guaranty agreement was executed, and he never assumed liability. Contacting him as though he is responsible for this alleged debt is improper. 

To date, the collector has failed to provide : Any signed lease or rental agreement Proof that a tenancy was created Proof supporting any move-out charges Proof that any payment legitimately failed Proof of any executed guarantor agreement I am requesting that this account be investigated, that collection activity cease unless lawful validation is provided, and that no negative credit reporting occur based on an unvalidated and disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Account XXXX XXXX XXXX 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide " Certified Mail with receipt displaying my signature. If not, please delete account # XXXX soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
Product : Auto loan Company : Credit Acceptance Issue : Loan terms were not clearly disclosed / Down payment misrepresented Complaint description : I am filing this complaint regarding a vehicle loan originated by Credit Acceptance through a dealership. I made a {$4000.00} cash down payment with the understanding that it would reduce the amount financed and lower my loan balance. 

However, the Retail Installment Sales Contract shows an amount financed of {$18000.00}, which is higher than the vehicles cash price of {$18000.00}, despite the {$4000.00} down payment. My cash was instead allocated to paid to others on my behalf in the amount of {$3200.00}, including GAP coverage and other fees, without clear explanation or informed consent. 

As a result, I am being charged interest at 17.99 % APR on nearly the full vehicle price, effectively paying interest on money I already paid. The structure of the transaction misrepresents the true effect of my down payment and was not clearly or adequately disclosed prior to signing. 

I believe this constitutes deceptive and misleading lending practices, improper disclosure of how my down payment would be applied, and an unfair loan structure. I am requesting a full review of this loan, a detailed accounting of how my cash payment was applied, and appropriate corrective action, including adjustment of the loan balance if warranted.

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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: KS

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Kansas, XXXX Dear Williams & Fudge XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
As of XX/XX/XXXX, my account was incorrectly marked late after American Credit Acceptance failed to honor a promised payment deferral that was confirmed to me on a recorded phone call. I relied on this information, and the failure to apply the deferral has resulted in inaccurate account status and risk of credit harm. 

I am filing a complaint against American Credit Acceptance regarding an auto loan for a vehicle that has become mechanically inoperable due to a catastrophic engine failure under normal use. 

I purchased the vehicle less than one year ago, and the engine failed at approximately XXXX miles. The selling dealership has refused to repair the vehicle. As a result, the vehicle is currently inoperable and can not be driven. 

I was advised by American Credit Acceptance that my XX/XX/XXXX payment would be deferred to XX/XX/XXXX due to this vehicle defect hardship. Despite this assurance, my account was marked late on XX/XX/XXXX, which is incorrect and the result of a failure to properly document and apply the promised deferral. 

This situation has caused significant financial hardship. I am incurring rental vehicle costs while still being held responsible for loan payments on a vehicle that can not be used due to a major mechanical defect. 

I have formally disputed liability for continued payments and requested hardship forbearance and that the account be coded as disputed. I am not refusing to resolve the loan ; however, I am disputing responsibility for payments on a vehicle that is unusable through no fault of my own. 

I am requesting the following resolution : Immediate correction of my account to remove the incorrect late status Hardship forbearance Account coded as disputed Confirmation that no negative credit reporting has occurred or will occur related to this issue Written confirmation of account status I am seeking regulatory assistance to ensure fair treatment and accurate credit reporting while this dispute is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I currently bank with PNC I purchased an item worth {$370.00} with the bank I refunded the item back to the merchant they credited back to my account PNC went ahead and took the money back out of my account and I have not seen my money since I have contact the bank about this numerous times it has affected my available balance and also I have noticed that there's other refunds in my account that they're refusing to refund back to my account necessarily and I really would like help and regards to the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
This is my current auto loan with Santander bank. I owe them approximately {$8000.00}. When I contacted them to set up a payment plan, I also asked them to desist from contacting me by telephone during the day or on Saturday or Sunday mornings at XXXX as this was inconvenient for me and that was on XX/XX/XXXX. I also asked that every communication should be in writing and mailed USPS. They have since contacted me by telephone on XXXX and emailed me. I contacted them again on XX/XX/XXXX to ask them again to stop calling me, and they continued to call me again on XXXX, XXXX and XX/XX/XXXX by telephone. I still have not received anything by mail from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I have had both a Cash App personal and business account restricted for over one year with no clear explanation or resolution. 

Cash App has prevented me from sending or receiving funds and has failed to provide a specific compliance reason or a path to restore access. 

Additionally, I previously received false information from a third party claiming a legal issue related to my account, which caused distress and confusion. 

I am requesting : 1 A clear written explanation for the restriction, and 2 Either restoration of account access or release of any remaining funds. 


Cash App has not resolved this issue through standard support channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
send out letter and request by phone verication of bedt wit original signature and no response

Company response to consumer: Closed with explanation