vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I cancelled my home, Auto insurance with XXXX XXXX because too many mistakes was made on handling my claims they took there time in answering and trying to resolve my claims so i cancelled.In doing so they still renewed my policy, causing me to double pay home in escrow they then, cancelled and back dated policy to wrong dates again, causing me money.I had to fight with them to get correct dates even though I gave them the effective dates.Then they had to refund policy and did but yet because of there mistakes claim to have undercharged since they did the wrong dates.I disputed this and by law did so within a reasonable time they took there time doing so and since it was 30 days and they locked out my access to all information and I longer could pay online and stated they would send a final bill but by this time this will be done it was past due and according to them sent it straight to collections no grace period or anything because of 30 days. When i found out it was on my credit report and i contacted them and disputed it and answer i got was it was from a balance from bundle rates and i asked for proof and nothing was provided.Allstate no longer will deal with me in proof. Per XXXX XXXX the letter was sent out XXXX policy cancelled XX/XX/year> no grace period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC

Complaint narrative:
On XX/XX/year>, I inadvertently enrolled in credit repair services with Credit Glory LLC while attempting to contact a debt collector. After realizing the mistake, I canceled the agreement the same day, well within the three ( 3 ) business-day cancellation period required under th

e Credit Repair Organizations Act ( CROA ). I provided written notice of cancellation by email, along with a signed and dated Notice of Cancellation, within the statutory period. Credit Glory acknowledged receipt of my cancellation request.

Despite this, Credit Glory has stated that they will not issue a refund, claiming that they already initiated disputes and therefore consider the fee earned. This position contradicts federal law, which provides an unconditional right to cancel within three business days and receive a full refund, regardless of whether the company claims work has begun. 

The charge is currently pending and has not yet fully posted. I am seeking assistance to ensure compliance with federal law, confirm cancellation, and receive a full refund of all fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
To Whom It May Concern, ABSOLUTE RESOLUTIONS INVESTMENTS XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of the above-referenced collection account currently being reported on my credit file. This company is violating my rights and does not have permissible purpose. I have never signed a contract, nor have i did business with this company. This company is in violation on the Gramm-Leach-Bliley Act and violating multiple FTC violations regarding this account. I submitted a FTC affidavit and law state they have 7 days to remove this account. I was contacted by a lawyer and i am think about hiring them because of 15 usc 1681 was violated. The lawyer said there are multiple violations and that the FCRA is {$1000.00} per violation i have not hired yet but this company needs to remove account and include the forward flow agreement giving authority and permissible purpose. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F, specifically 12 CFR 1006.34 and 12 CFR 1006.6, debt collectors are required to provide validation of a debt upon request. Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681s-2 ( a ), credit reporting agencies and furnishers are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. 
I am requesting complete validation of this alleged debt. Please provide the following documentation to prove the claim is valid : Original Signed Documents : Copies of the original contract or agreement bearing my signature.

Itemized Statement : A complete breakdown of the alleged debt, including the original balance, any interest accrued, and any fees added.

Proof of Authority : Documentation proving your legal right to collect this debt and your authority to report this information to the credit bureaus. 
If you are unable to provide the original signed documents and evidence of maximum accuracy as required by federal law, this account must be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Chime Financial Inc
State: FL

Complaint narrative:
I never purchased anything through this website nor did I authorize any charges. I had XXXX come out first. The next day XXXX large transactions from the same company were made and totaled XXXX. Then XXXX more transactions the same day and time but were declined due to no money in my account. I had just opened a chime account and my first check was deposited on XX/XX/XXXX. The first charge came out that day and they drained my bank account by the XXXX of XXXX. Chime has not helped me at all. I filed a police report and they still denied the claim of XXXX. A week later the first dispute for XXXX was approved and chime immediately closed my account before I could even take that out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
When I ordered a XXXX driver, my bank account was on file. Allegedly, they used it against me with this bogus change. I forgot to mention that, I waited XXXX hours later at the dentist office on XXXX in XXXX, Mi. for my son to get off from work and he picked me up around approximately XXXX XXXX XXXX Huntington Bank could have verified this with XXXX XXXX. I am having a lot of overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
The debt collector called my place of employment, requested me through my secretary claiming it was a business matter. My secretary then asked what the business Matter was pertaining to and the Debt collector proceeded to tell her that I owe them XXXX in medical bills. I then jumped on the phone requesting if they knew they had called my place of employment? XXXX ( debt collector ) said yes. I then disconnected the call. I have requested they not contact me through my work on multiple occasions; including my work cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank changed their online payment platform in XX/XX/year>. I pay all my bills ( gas, electric, credit card, water ) using their portal. I continued to make payments using their new portal, including my water bill to the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX never had a problem receiving my payments before, but the payment that was sent to them on XX/XX/year> for {$180.00} was never credited to my account. Citizens Bank sent XXXX XXXX a letter confirming the payment was sent, including a Trace #. XXXX XXXX insists they did not receive this payment. I had an attorney letter sent to XXXX XXXX demanding my account be credited for the {$180.00} payment I sent. They ignored my attorney letter. I even provided a copy of my bank statement showing the {$180.00} was taken from my account. Citizens Bank claims XXXX XXXX has my money, XXXX XXXX claims Citizens Bank has it. Someone has my {$180.00}, I'm just not sure which party is holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am getting repeated phone calls day and night, from this company Credit Control LLC, their phone number is XXXX, their address is, https : //www.credit-control.com Their address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX I am a XXXX  citizen who is XXXX XXXX XXXX XXXX and hard of hearing in the other. Credit Control LLC has been repeatedly calling me day and night about an alleged {$500.00} debt from XXXX  ( XXXX XXXX XXXX ) that I do not recognize and dispute. I have never had this account. Their repeated calls cause stress and difficulty because of my hearing impairment. I have asked them to stop, but the calls continue. This behavior violates the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( Texas Finance Code 392 ), including harassment, repeated unwanted contact, and attempting to collect a debt without proper validation. I want all communication to stop. I don't use credit cards, I don't make enough money for credit cards, I always XXXX XXXX my bills,

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mid-South Adjustment Co., Inc.
State: TX

Complaint narrative:
MID SOUTH is falsely reporting on my credit. I have never had any accounts with them. Per my research MID SOUTH 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 2026-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a complaint against Citibank regarding the delayed return of my funds after the bank closed my account. Citibank informed me that my remaining balance would be issued by check within 3060 days, but the bank has not provided a clear explanation for the delay, nor a specific issuance date. This prolonged withholding of my funds raises concerns regarding compliance with federal regulations. 

Regulation Violations & Concerns 1. Regulation E 12 CFR 1005.11 & 1005.6 Under Regulation E, financial institutions have an obligation to investigate and resolve account-related issues within specific timeframes and provide timely notice related to account balances and accessible funds. Citibank has not provided sufficient information regarding the status of my funds, nor any documented reason for an extended hold.

2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 Withholding a consumers funds for an extended period without a clear, reasonable, or legally required justification may constitute an unfair practice, especially when the delay causes financial harm or places the consumer in a disadvantaged position.

3. Failure to Provide Required Notice of Adverse Action 12 CFR 1002.9 ( ECOA ) When a bank closes an account, it is required to provide an explanation unless the closure is due to suspected unlawful or fraudulent activity. Citibank has not provided any written reason for closing my account or why the funds require a prolonged review period.

Summary of the Issue Citibank closed my account without providing a written explanation.

I was told my remaining balance would be returned within 3060 days. 
Citibank has not provided : The exact check issuance date The reason for the prolonged review Confirmation of whether funds are held for compliance, fraud review, or internal processing A point of contact who is responsible for the case This delay is causing financial inconvenience and appears inconsistent with federal consumer protection standards regarding timely access to consumer funds. 

Requested Action I request that the CFPB require Citibank to : 1. Provide a full explanation for the fund-hold duration 2. Release my funds promptly 3. Provide the exact date the check will be mailed 4. Confirm whether any holds or internal reviews are active 5. Ensure Citibanks actions comply with Regulation E, UDAAP, and ECOA notice requirements Thank you for reviewing this matter.

Sincerely, XXXX 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 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Ascent Holding Co
State: WA

Complaint narrative:
BACKGROUND In XX/XX/XXXX, I enrolled in XXXX ( formerly XXXX XXXX ) and financed my tuition through a Skills Fund Deferred Tuition Loan originated by XXXX XXXX Bank. This loan is now serviced by XXXX XXXX and owned/managed by Ascent Funding . My current outstanding balance is approximately {$17000.00}. 
SCHOOL FRAUD DOCUMENTED BY CFPB On XX/XX/XXXX, the CFPB issued a consent order against XXXX ( File No. XXXX ) finding that XXXX engaged in deceptive practices including : falsely advertising job placement rates of 71-86 % when actual rates were 30-50 % ; concealing approximately {$4000.00} in finance charges within advertised tuition ; and making false claims about program quality and outcomes. I specifically chose XXXX over other coding bootcamps because of their advertised high job placement rates the very rates the CFPB later determined were fraudulent. XXXX is now defunct and can not provide relief. 
FTC HOLDER RULE APPLIES My loan agreement contains the required FTC Holder Rule notice ( 16 CFR 433 ) in Section 33, stating : " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER. '' This makes Ascent Funding legally subject to all claims I could assert against XXXX. 
XX/XX/XXXX CFPB GUIDANCE The CFPB 's XX/XX/XXXX guidance on private student loan servicing clarifies that servicers must maintain robust systems for reviewing school misconduct claims and should give appropriate deference to government findings of fraud. 
REQUESTED RELIEF I am requesting : ( 1 ) Full cancellation of my loan balance ; ( 2 ) Cessation of all collection activity ; ( 3 ) Refund of any payments made ; ( 4 ) Removal of this account from credit reporting ; ( 5 ) Written confirmation of a CFPB-compliant claims review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: TX

Complaint narrative:
I received an email from a debt collector on XX/XX/XXXXXXXX  attempting to collect an alleged debt. On XX/XX/XXXX, I submitted a written dispute, requested validation of the alleged debt, and demanded that all communication cease. 
The debt collector responded in writing that the account was recalled from their office. Despite this, on XX/XX/XXXX, I received another collection email attempting to collect the same alleged debt and offering a settlement, without providing the requested validation and after I had requested that communication stop. 
I believe the continued electronic communication after my dispute and cease request, and the conflicting representations about the status of the account, violate federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I had a deposit from my XXXX sent to an closed Current bank account by accident. Instead of Current rejecting the payment they accepted the money and took out for fees. I was told that the accounting department was going to issue me a check in the amount of {$470.00}. The emails and calls started on XXXX. I was told that the check was mailed on XXXXXXXX  to the address that I requested. They said allow up to 14 days before calling. I called on XXXXXXXX  and advised them that I have not received the funds. I keep getting told that they are researching and no one is returning my calls and when they email back it's very generic. No one is doing a trace on the check to see if it was cashed or still outstanding. I call this company everyday and they are putting fake supervisors on the line and nothing is being done. I need my funds that they should have never accepted since the account was closed. I informed them that I would make a formal complaint if I didn't hear back from them. It has been almost 30 days since they said they mailed me a check and I don't believe that a check was ever sent. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number 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 2026-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I cancelled car insurance with XXXX prior to next billing cycle balance was XXXX at the time they charged me the next month and sold the debt. The collection agency never sent any correspondences to me. I paid the debt due to a large deal in progress; sent the receipt it is still reporting to ( 3 ) credit reporting agencies as late as today it was reported to XXXX after they knew the debt was paid. This is reported fraudulently and I want it remove today and my money returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Collection Services, Inc. (OK, TX)
State: OK

Complaint narrative:
AMERICAN COLLECTION SE is falsely reporting on my credit. I have never had any accounts with them. Per my research AMERICAN COLLECTION SE 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