vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I had a huntington bank account. I deposited a check by mobile deposit on XX/XX/year> for a total of almost XXXX. I was told there was a hold on my check and the hold would be released on XX/XX/XXXX with funds available XX/XX/XXXX. XX/XX/XXXX comes around and I check my bank account via mobile app. I can not get into my account. Confused I call huntington after trying to reset my password and being unable to do so. Huntington tells me that my account is being closed. Can not give me a reason. I was told I must wait for a explanation via post mail. I spoke with my lawyer, who is the one who issued the check and he was contacted XX/XX/XXXX twice to confirm the validity of the check. This is AFTER I was already told my account is being closed. It is outrageous to deem someones account a risk and close the account BEFORE confirming the validity of the check. Then I was told by huntingtons costumer service that I could walk into a branch on XX/XX/XXXX and recieve my funds via cashiers check or cash. I spoke with a banker at a branch today XX/XX/XXXX and he says no problem we can do that for you. So i am finally thinking I have gotten somewhere but no then he says we can not do this for you. The funds will be mailed via mail. Now I must tell my kids we will have no food this weekend. Do you know how horrible that is to have to do?? Huntington is screwing over customers left and right. I have XXXX on hold now and no money in my other bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MS

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to WAYPOINT RESOURCE GROUP under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to WAYPOINT RESOURCE GROUP, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I am the XXXX for the Navient Student Loan Settlement and they never mailed me a settlement and now claim i am not owed one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I am filing a formal complaint against Exeter Finance for deceptive payment practices, refusal to provide written confirmation of account changes, and technical failures. My monthly payment is {$710.00}. I have repeatedly requested that any amount paid above this total be applied 100 % and exclusively to the PRINCIPAL BALANCE. I explicitly refuse the 'Paid Ahead ' status. Currently, the banks system incorrectly applies overpayments as pre-payments for future months, which does not reduce the principal balance immediately and allows interest to keep accruing on the full amount. I want my extra money to work toward debt reduction now, not as a credit for future months. I also refuse to split my monthly bill into XXXX separate payments, as this is a tactic for the bank to receive funds earlier without providing any real benefit to me. Despite Exeters website claiming a 'different payment allocation ' is available, their representatives ignore my written requests via chat and email, providing only automated templates and insisting on phone calls. I refuse to handle financial instructions over the phone to ensure a clear paper trail and to avoid language barriers. Furthermore, the 'Confirm ' button for AutoPay on their website is broken, forcing me to make manual payments. I request that Exeter Finance : Permanently update my account so all overpayments go strictly to the Principal Balance ( NOT 'Paid Ahead ' ). Provide written confirmation of this change via the CFPB portal or email. Fix the AutoPay technical issue on my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
A Target XXXX representative offered to waive a late fee if I made a payment via ach on the phone with them to get my account current. When I called back to confirm the waiver another representative acknowledged the first rep gave misinformation but refused to honor the original agreement. I am requesting the {$41.00} fee waiver that was originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: MO

Complaint narrative:
Oliphant and CFPB About XXXX months ago, I was harassed by text messages from Oliphant Since I do not owe any debt, I asked them the purpose of the contact and they sent me an automated message with no information They did not even say who they were trying to contact They were asked repeatedly to verify the alleged debt. After XXXX different attempts and the refusal to verify the alleged debt, they were asked by myself to cease and desist all communication with me by any methods. They were not to contact me again in the future for any reason at any time. About XXXX weeks later after never verifying the alleged debt, they ruined my perfect credit score of over XXXX by placing a confusing negative entry on my credit report I immediately contacted the XXXX XXXX XXXX and ask them to cease all communication with me once again since they have failed to valid the debt I had to spend much time figuring out how to challenge this unknown entry on my credit reports. Oliphant verified that the debt was mine, but they failed to do a proper investigation. This is the third time Ive asked them to cease and assist all communication with me, and they violate the law by continuing to do so They are also in violation of the law by attempting to collect a debt. Theyve never even validated. It is far past the deadline for them to validate the alleged debt that is under a name that I have never heard of or done business with. They were also advised under the XXXX XXXX XXXX complaint that I would not be paying the alleged debt which again I will confirm I will not be paying the alleged debt My income is Social Security and I do not owe any debt Youre illegal actions have bought profound stress into my life and I am an XXXX year-old woman Do not contact me for any reason as you have been asked before cease and desist all communication with me Since you have failed to validate the debt, you must remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Selene XXXXXXXX XXXX predatory practices defaulted this mortgage intentionally. We will sue Selene XXXX XXXX with the CFPB, XXXX observe every predatory practice unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
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 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: IL

Complaint narrative:
Validation of Debt Request - PORTFOLIO RCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NM

Complaint narrative:
This complaint is regarding Cash App. They have been sending me texts about their referral bonuses. I decided to complete a referral and took all required steps in order to qualify for said bonus. After the person I referred completed all the required steps I received a notification in Cash app that stated they could not honoring my bonus and it had a date from XX/XX/XXXX. I completed all this on XX/XX/XXXX so it didnt make sense it was dated for almost XXXX weeks in thr future. I contacted customer support and gave them all information they requested including screen shots. I spent almost an hour on the phone while the foreign agent looked into my account to find out why my bonus was not honored and why it was dated for XXXX weeks in the future. She put me on hold for XXXX min and returned to the call to inform me that she could not honor my bonus and could not tell me why. I asked several times why I did not qualify because I was absolutely certain that all required steps were completed. She refused to answer and just kept telling me that I could try different referrals in the future. She would not give me any information about why they were denying to honor the bonus or why it was dated for XXXX weeks in the future. This feels fraudulent. It seems to me they probably to this to many people so they can gain a new customer through the referral and dont have to spend the money they promised for completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
I am filing a complaint against Clover ( Fiserv ) regarding unauthorized and continued billing on a merchant account that I requested to be cancelled. I had two Clover merchant accounts. One remains active and I continue to pay for it. The second account was requested to be cancelled in XX/XX/XXXX and has not been used since that time. Despite multiple requests to cancel the account, Clover continued to charge approximately {$100.00} per month from XX/XX/XXXX through XX/XX/XXXX for services that were not used. Recently, I was informed that I owe an additional {$1000.00} for charges dated XX/XX/XXXX through XX/XX/XXXX. I dispute these charges entirely, as the account was not active and cancellation was requested long before these charges were applied. When I attempted to resolve the issue, Clover XXXX directed me to the collections department. The collections department then informed me that they are unable to resolve the issue and directed me back to Clover XXXX. As a result, no department is taking responsibility, and I am being sent in circles without resolution. I have made multiple attempts to resolve this matter directly, including phone calls and written communication, but have not received a proper resolution. I am requesting : XXXX. A full refund of all charges applied after XX/XX/XXXX on the cancelled merchant account ( approximately {$1700.00} {$2000.00}, subject to exact billing records ) XXXX. Removal of the claimed balance of {$1000.00} XXXX. Written confirmation that the account is fully closed and no further charges will be applied This situation has caused financial harm and significant frustration due to continued billing for services not rendered and the lack of proper support. I request immediate investigation and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account that is not mine or I have no knowledge of appeared on my credit report and does not belong to me. It is inaccurate and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX with XXXX XXXX XXXX XXXX XXXX XX/XX/year> and disclosed information on my work line which is a recorded line. She proceeded to tell me about a debt owed to XXXX XXXX which was included in my XXXX. After giving me the amount owed, I realized she was a debt collector that did not disclose that at the beginning of the call or I would have told her to call another number that was not recorded. She then proceeded to read the mini Miranda well after all the information had been given about the debt. Under FDCPA guidelines she was in violation under 15 U.S.C 1692e. I called back to speak with her supervisor and his response was, " Is that all? ".

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: GA

Complaint narrative:
I am filing a complaint regarding a Klarna financing agreement tied to a purchase made on XX/XX/year> in the amount of {$890.00} for a service called XXXX ( merchant : KINNO Wealth / kinnomoney ). Within XXXX hours of purchase, I requested a full refund because the service was not properly set up and could not be used. The installation process was not completed despite spending over an hour attempting setup, and I was unwilling to provide sensitive account credentials required to proceed. Under the merchants own billing policy ( Section XXXX ), a refund is issued if setup and deliverables are not completed within XXXX days. The installation was never completed. I formally canceled the service, and the merchant confirmed in writing that my membership was canceled effective XX/XX/year>, and that no future charges or obligations remain. Despite this : The merchant failed to process a refund through Klarna Klarna continues to hold me responsible for the full financed amount Multiple attempts to resolve this with both Klarna and the merchant have gone unanswered Klarna states they paid the merchant upfront, but the merchant has acknowledged cancellation and has not provided proof of any valid outstanding balance. This situation represents a failure between the merchant and Klarna to properly reconcile a canceled transaction, and I am being improperly held liable for a service that was not delivered. I am requesting the following : Immediate investigation into the transaction Reversal of the {$890.00} charge Suspension or removal of the balance Correction of any negative credit reporting Written confirmation that I am not responsible for this debt I have attached documentation showing : My refund request within XXXX hours Merchant confirmation of cancellation Evidence that setup was not completed I am seeking resolution as this has caused financial and administrative harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CFS of Aurora IL LLC
State: IL

Complaint narrative:
XXXX of XXXX created a loan and used all my Information without my concent or signature for money that I supposedly owed them from years back ago! They fraudulently created all this to get money back and this loan has nothing to do with me!

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After diligently checking my credit report I realized that I have been a victim of identity theft. I have noticed fraudulent accounts and inquires on my credit report. Please help me to remove them as I have nothing to do with them. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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