vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: GA

Complaint narrative:
I had my first appointment with XXXX XXXX XXXX on the first of XXXX, XXXX. They did a full work up and fitted my teeth for aligners. Everything went smoothly and a payment plan was set. My treatment was a XXXX month treatment and I was suppose to summit updates of my teeth for them to make sure my teeth were settling properly. After receiving my aligners in the mail a few weeks later I received an email to register my aligners to keep track of my progress, this was on XX/XX/XXXX. On XX/XX/XXXX I receive an email of them notifying me that the company had filed for bankruptcy. I continued to receive email regarding the bankruptcy, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received an email stating that I was eligible to received a refund of XXXX but to do so I had to summit a form that required my number id from XXXX XXXX which I couldn't get ahold of because their website was down. I received XXXX different emails regarding the " refund ''. The original XXXX on XX/XX/XXXX, then on XX/XX/XXXX and on XX/XX/XXXX. I was paying {$97.00} monthly from XX/XX/XXXX up until XX/XX/XXXX. I didn't receive another monthly bill until XX/XX/XXXX which went unseen due to the months that had passed by without hearing anything from XXXX XXXX. I had believed that since the company went bankrupt and I was eligible for a refund and since I wasn't going to be getting any help with the progress of my treatment, it didn't seem appropriate for me to get making these payments. I didn't hear anything for months from them and then on XX/XX/XXXX I received an email informing me that the remainder of the money from my treatment plan was sent to collecting. I was not informed of anything before hand and DID NOT give permission for my information to be shared with that company. I would like for account to be removed from my credit without a trace of it ever being there. It has been negatively impacting my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, I was the victim of a scam that induced me to send {$500.00} through XXXX from my Bank of America account. This was an Authorized Push Payment scam carried out through impersonation and deception. I initially reported this to Bank of America, but my reimbursement request was denied on the basis that I authorized the transfer. However, this payment was authorized under fraudulent inducement and falls under scam-induced electronic fund transfers that require investigation under the Electronic Fund Transfer Act ( Regulation XXXX ). I am requesting that Bank of America reopen the claim and conduct a reimbursement review based on documented scam activity. I have filed an Identity Theft Report with the Federal Trade Commission and a local police report documenting this financial fraud. I am requesting reimbursement of the {$500.00} and a full review of this case. Digital Claim - 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I received an email stating my account was reviewed and closed and I would need to contact support at XXXX to receive the balance that was there at the time of around {$1000.00}. I called support and explained I had been in contact with the for the past week over money being taken from my schoolsfirst and the email I got. I was told they do not have a reason for closure but would not reopen it either and instead would mail the funds back to me by check in 30 business days after the date of closure or less. I completed the verification forms multiples times until the XX/XX/XXXX and was told my either XXXX or XXXX the process was completed and the check was mailed and on the way and last spoke to XXXX on who claimed to be the member service specialist on XX/XX/XXXX. Its now XX/XX/XXXX I contacted support at XXXX XXXX and was told my XXXX that it was never sent or finished by the other department. He told me he ask no clue when it would be done or arrive just to look out for another email which ended up being the same address verification that I completed 4 times. I need the money for a car and it was stolen through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
Date of transfer - XXXX XX/XX/year> Amount - XXXXXXXX XXXX Transaction ID : XXXX As per app Sent to XXXX - XXXX XX/XX/year> Delivered to recipient - XXXX XX/XX/year> Issue - Money was not received by recipient till today ( XX/XX/XXXX ). Customer support is very horrible. They shared the XXXX number and asked to check with recipient bank. The recipient bank confirmed that they couldnt track using that XXXX number ( XXXX Number : XXXX ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Inaccurate and Unverified Collection Account To Whom It May Concern, I am submitting this formal complaint regarding an inaccurate and unverified collection account that is currently being reported on my credit reports. My name is XXXX XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The collection account in question is being reported by the following company : Collection Agency : FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX Reported Balance : {$3100.00} I previously sent a formal request for debt validation to the collection agency requesting proof that this debt belongs to me, including a copy of the original signed agreement and documentation demonstrating that the collection agency has the legal authority to collect this alleged debt. To date, the company has failed to provide proper validation of the alleged debt. Despite this failure, they continue reporting the account to the credit reporting agencies, including XXXX, XXXX, and XXXX, which is causing significant damage to my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), debt collectors are required to provide proper validation of a debt upon request and must not report inaccurate or unverifiable information to credit reporting agencies. Because the company has failed to provide competent evidence validating this alleged debt, I am requesting that the Consumer Financial Protection Bureau investigate this matter. If the company can not provide proper documentation verifying the accuracy and ownership of this account, I respectfully request that the collection account be removed from my credit reports immediately. The continued reporting of inaccurate or unverified information is causing harm to my creditworthiness and financial reputation. Thank you for your attention to this matter. I respectfully request a full investigation and appropriate action to ensure compliance with federal consumer protection laws. Sincerely, XXXX 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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Contacted Credit Management Debt, for an Alleged debt. Asked for Debt Validation letter and itemized bill. Manager Started getting Aggressive and stating i was lying. Need Proof debt is mine nobody can proof it and it still on my Credit Report Still no response from Nobody

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
rep called from a company that I've never heard of, yelling and screaming at me that I need to pay a debt that I have no recollection of. When I asked for written documentation, they continued screaming and yelling that I already had it. When I mentioned filing a complaint, they hung up on me.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Financial Corp. DBA US Loan Servicing
State: GA

Complaint narrative:
XX/XX/XXXX I opened a loan secired by the title of my XXXX XXXX XXXX. I am inquiring for assistance in refunding some ofnthe interest payments paid on this account. I wanted to determine if based on my pay history if my loan would be subject to predatory lending practices. As of XXXX I had a balance of {$910.00} on an existing loan secured XXXX same automobile and I refinanced and added {$1200.00} totaling {$2000.00}. Since XX/XX/XXXX up until today XX/XX/XXXX I have paid a total of {$5600.00} & {$410.00} in " grace fees '' as listed on the attached pay history. I understand this financing would be more aggressive than a traditional bank loan however this is absolutely brutal and today I still owe {$680.00}. So at this rate if I paid today my APR would be upward of 80 %. It is difficult to comprehend that this type of financing doesn't fall under predatory protections in place to protect consumers. The Lender is Inegrity Lending funny enough and the name of the company on their store front is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: BTH Management
State: GA

Complaint narrative:
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 information is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I used my Comenity/Forever 21 card only once and paid the entire balance in full on XX/XX/year>. I never used the card again. Despite this, Comenity began adding fees that I did not authorize and was never notified about. These fees were added after the payoff and caused the account to be reported as delinquent to XXXX and XXXX even though the balance should have remained {$0.00}. I submitted a Direct Dispute under FCRA 623 ( a ) ( 8 ) through Comenitys secure messaging system. I specifically requested : ( 1 ) the full account ledger before and after payoff, ( 2 ) itemized documentation verifying each fee added post-payoff, and ( 3 ) the date and method Comenity used to verify the delinquency reporting. Comenity has not provided any of this required documentation. Instead, they repeatedly sent the same template message stating the investigation may take up to 30 days without addressing my dispute, providing findings, or completing the legally required investigation. It has been several months and Comenity continues to report inaccurate information without verification. They have not responded to my Direct Dispute, have not corrected the reporting, and have not provided any evidence supporting the fees added after payoff. I am requesting that Comenity be required to : Provide the full account ledger Provide verification for all fees added after payoff Explain the method used to verify the delinquency Correct or delete any information they can not verify Complete the FCRA 623 investigation and provide the results in writing Comenitys lack of response and continued inaccurate reporting is harming my credit and violating my rights under the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Car was included in a bankruptcy. I had a wreck and my insurance paid the car off. I only owed XXXX but the insurance sent the whole check of XXXX to the finance company. They was suppose to send me the difference. Which was XXXX. They never did and keep avoiding me. This has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Description of Issue On XX/XX/XXXX, we completed a Deed Buy Back agreement with XXXX XXXX XXXX regarding our timeshare ownership. As part of the agreement, we paid {$200.00} to finalize the deed-back process and relinquish the property. In XX/XX/XXXX, we noticed that Experian reported that the account was 30 days past due on our credit report. This was unexpected because the timeshare had already been surrendered through the deed buy-back process in XXXX. We submitted a formal dispute with Experian explaining that the account had been closed through the deed buy-back agreement. However, after the dispute review, the response indicated that the report remains unchanged. Because the account was resolved through the deed buy-back agreement and payment was made, we believe the 30-day late payment reporting is inaccurate. Requested Resolution We respectfully request that the 30-day late payment be removed from our credit report and that the account be updated to reflect that the timeshare ownership was terminated through the deed buy-back agreement on XX/XX/XXXX. We are prepared to provide documentation of the deed buy-back agreement and payment confirmation if needed.

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I participated in the XXXX XXXX XXXX XXXX offered by Huntington Bank in partnership with XXXX XXXX and XXXX XXXX XXXX. I completed the XXXX XXXX entrepreneurship training and received a certificate of completion. During the process, representatives indicated that my business plan was one of the strongest submissions as an existing business, and that I had also completed the startup program of XXXX XXXX and encouraged me to apply for funding. However, after completing all program requirements and submitting my application, I was later told that someone above the bank 's general manager and underwriting department did not want me to receive funding. The program was specifically designed to help applicants who had been previously denied loans due to credit or background issues, yet my application was blocked despite meeting program criteria and completing required training. I believe the denial may involve discrimination or improper decision-making, and I am requesting an investigation into the actions of Huntington Bank and any XXXX- related involvement in the program. I am gathering evidence and preparing folders of how my business plan was submitted, blocked and denied without written explanation or written adverse action notice, and was only verbally informed that someone above the branch level decided I would not receive funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported on my credit reports related to an alleged debt originally associated with XXXX XXXX XXXX. A third-party debt collector is currently reporting this account on my XXXX, XXXX, and XXXX credit reports as a collection/charge-off account with a balance of {$100.00}, reportedly opened around XX/XX/year>. I do not recognize this debt and I have not received any proper debt validation notice from the collection agency as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). Furthermore, I never provided authorization for any third-party debt collector to report this account to the credit bureaus. Because of this, I formally dispute the accuracy and legitimacy of this account. The reporting of this account appears to be unverified and potentially inaccurate, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA 623 ) and FDCPA. Despite the account being reported across all three credit bureaus, I have not received any documentation proving that : I entered into a contractual agreement for this debt The debt collector has legal authority to collect this alleged debt The balance being reported is accurate The account actually belongs to me Without proper validation, this reporting is damaging to my credit profile and constitutes inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: FL

Complaint narrative:
The account is closed ; however, I am working hard to pay off the bill. I am required to pay {$320.00} monthly, with a usury interest rate that adds approximately {$200.00} per month to the monthly payment. I requested a reduction on the monthly payment, and the Company refused. The Company stated that they can not reduce the monthly payment and stated that my only option is to default and then the monthly payment can be lowered. I called again to reduce the interest rate and the company refused and stated that maybe customer service can help but proceeded to pass my call into voicemail. I believe that the Company is wrong and intentionally overcharging me with the monthly charge and interest rate totaling over {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am requesting escalation and consolidation of my related complaints because Fair Collections & Outsourcing ( FCO ) has shown a clear pattern of inaccurate reporting, contradictory statements, and failure to comply with FCRA and FDCPA requirements. This pattern spans multiple CFPB cases : XXXX, XXXX, XXXX, XXXX, and XXXX. Across these complaints, FCO has submitted copyandpaste responses that ignore the evidence provided, contradict their own prior statements, and fail to comply with federal law. Their responses do not address the documented inconsistencies in their own records or the evidence I submitted. Key issues : On XX/XX/XXXX, FCO verified a balance of {$3600.00} as accurate, yet their internal ledger shows a {$1300.00} credit applied the very next day ( XX/XX/XXXX ). They then issued a new XXXX for {$2200.00} on XX/XX/XXXX. These contradictions show the information can not be verified under FCRA 1681i ( a ) ( 5 ) ( A ). FCO continues to report an eviction despite the Agreed Entry from XXXX XXXX XXXX XXXX confirming a mutual settlement and moveout on XX/XX/XXXX. My travel records show I left the state before the date they claim the eviction occurred. Timestamped videos from XX/XX/XXXX and XX/XX/XXXX show the patio area did not contain the bush or car rims shown in FCOs photos. This indicates the photos do not match my unit. XXXX independently investigated this same account in CFPB Case XXXX and deleted the FCO item from my credit file after reviewing the evidence. This confirms the information furnished by FCO is not reliable or verifiable. The same debt is being reported under multiple names ( XXXX, XXXX Collections, FCO ), which violates FCRA 1681e ( b ) and artificially inflates my debt obligations.

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