vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I wanted to bring to your attention a serious issue Ive encountered with my Robinhood account. Recently, I received a text message from a number claiming to be Robinhood, alerting me that someone tried to withdraw funds from my account. The text came from XXXX and instructed me to call XXXX if I did not authorize the charge. Given that earlier in the week, my XXXX XXXX XXXX card information was stolen, and I had to open a fraud case and cancel the card, I immediately called the number provided. The person on the other end walked me through verification steps that Robinhood typically uses, verified my account details, and shared personal information about me directly. They claimed my account was suspended due to fraud and required me to follow additional verification steps. They insisted I open a Robinhood wallet, which I questioned. When I expressed discomfort, they transferred me to their " manager, '' who tried to remote into my phone a request I refused. The scammers then sent another text from XXXX, containing a specific code they insisted I insert into my Robinhood account to verify it. They instructed me to transfer specific stocks to the crypto wallet " for my verification and safety. '' Despite my skepticism and constant questioning, their responses seemed valid. They knew every detail about the app and my account, making it appear legitimate. Unfortunately, Robinhood has since informed me that this was a sophisticated scam to siphon funds from the crypto wallet, and they have shut everything down. Although I have changed my passwords, Robinhood is unable to refund the {$5000.00} that was stolen. I have several pieces of evidence, including screenshots and the fake customer service number XXXX, which even states calls are recorded for quality purposes. I am extremely disappointed with Robinhood 's response and their apparent negligence in investigating and addressing this matter appropriately. This was a known fraud scam, yet their protections were insufficient, and their lack of action has resulted in a significant financial loss for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft and I am disputing the following fraudulent accounts XXXX XXXX XXXX XXXXXXXX {$280.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$860.00} balance opened XX/XX/XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} balance opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} balance opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$510.00} balance opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} balance opened XX/XX/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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
A credit card company ( midland credit management ) put my debt as charged off/ written off on their taxes but never sent me a 1099c form and my credit report clearly shows that it was written off already but I have yet to receive a 1099c, so they reported wrong info to my credit report which is damaging & which is also fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have called & written this company stating I can NOT pay this debt back!! I DON'T have a job therefore I DON'T have an income!! I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who cares for my XXXX XXXX daughter!! If the company has written this debt off they have not sent me any corresponding info!! I am NOT financially able to pay this debt eventho it's a small amount!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
I am writing to report identity theft regarding a rental account/lease that I never authorized. Details : Creditor / Landlord : National Credit Systems XXXX XXXX XXXX XXXX XXXX Address of Property : Account / Lease Number : XXXX Date Lease Started / Debt Reported : reported XX/XX/year> Description of Incident : I lived at the above property with another person, who applied for and signed the lease entirely in my name without my knowledge or consent. I was under the impression I this was HER apartment not knowing she stole my identity prior. I did not sign any of the documents related to this lease, and the signature on the lease is forged. I only recently discovered this situation when the landlord/collection agency sent me documentation claiming I owed this debt. I have requested verification, and they provided a lease with my personal information but a signature that is not mine. I have filed police report and report with XXXX This constitutes identity theft under federal law. I am requesting that : The CFPB investigate this fraudulent debt. The landlord / collection agency and credit reporting agencies REMOVE any reporting associated with this fraudulent lease. All attempts at collection based on this forged lease CEASE immediately until the matter is resolved. Attached Documents : Identity Theft Report filed with IdentityTheft.gov ( FTC ) Please confirm receipt of this complaint and advise me of the next steps to protect my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint against Midland Credit Management regarding their attempts to collect an alleged debt Description of the Issue : On or about XX/XX/year>, I was contacted by Midland Credit Management regarding an alleged debt. Since that time, I have experienced the following issues : They have continued to call repeatedly and at inconvenient times. They have failed to provide proper written validation of the debt after my request. They are attempting to collect a debt that does not belong to me They have reported inaccurate information to credit reporting agencies. They have continued collection efforts despite a dispute. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. I respectfully request that your office investigate Midland Credit Managements conduct and require them to comply with all applicable laws. I am requesting that Midland Credit Management provide full written validation of the alleged debt ; Cease any unlawful collection activity ; and Correct or remove any inaccurate information reported to credit bureaus. Thank you for your time and assistance. I look forward to your response and resolution of this issue. Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
Requested Total Visa to dispute transaction that were unauthorized. Visa has a XXXX Liability claim for unauthorized transactions. All disputes were denied. Total Visa is discriminating me for claims such as I had access to my card and account. I ended up calling customer service after billing statements recieved by mail that included transactions i did not authorize. I am a victum of identity fraud from a previous data breach.I have been without my phone for 3 months due to a part failure that required special ordering from over seas. During the time between when the unauthorized charges started to when they were reported tool so long because I was battling health issues and was not able to check my mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am a XXXX on account number XXXX originally financed through Exeter Finance LLC. On XX/XX/year>, I signed a General Release and Settlement Agreement resolving the account for {$2000.00}, due on or before XX/XX/year>. The agreement states it becomes effective upon execution by all parties, which occurred on XX/XX/year>. Payment was authorized on XX/XX/year>, and {$400.00} was withdrawn by Exeter on XX/XX/year> pursuant to that agreement. I later learned the account was sold to XXXX XXXX XXXX on XX/XX/year>. XXXX XXXX XXXX is refusing to honor the executed settlement and is demanding a substantially higher balance. The agreement expressly states it is binding upon successors and assigns. Therefore, the purchaser acquired the account subject to the existing settlement agreement. I request that the executed settlement be enforced and that the correct settlement balance and account status be confirmed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
b'Events:\n1. On XXXX Patient Initials: XXXX went to XXXX XXXX XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX \n2. The purpose of the visit was for XXXX XXXX XXXXn3. The phone number of the clinic is XXXX XXXX. Fax Number: XXXX XXXX 4. Patient XXXX showed a state-sponsored program covered service called XXXX XXXX XXXX Will be provided if requested. XXXX XXXX XXXX XXXX XXXXValidity date: XXXX XXXX XXXX Patient XXXX was informed that the service is FREE OF CHARGE. \n\nAfter several weeks, Patient XXXX. receive a bill from XXXX for XXXX Same bill was sent every month since XXXX after the test done by XXXX XXXX sent a past due bill showing XXXX supposedly for the service conducted on XXXX. This surprised patient XXXX, so patient XXXX went to XXXX where she had the service done. Patient XXXX went to XXXX and showed the bill from XXXX. The personnel/ nurse from XXXX informed patient XXXX that she should NOT have been billed by XXXX. She was also informed to respond to the bill and include the document per #4 above. \nPatient XXXX followed the instruction by the nurse, and the XXXX bill was sent back with XXXX XXXX to XXXX on XXXX with XXXX receipt XXXX1.\n\nPatient XXXX still received a collection notice dated XXXX (InvoiceXXXX for the same amount of XXXXOn XXXX Patient XXXX sent a letter to XXXX (XXXX Receipt XXXX) to stop the harassment. Patient XXXX included a copy of the XXXX XXXX XXXX XXXX in the letter. The patient also explained the following to XXXX:\n"What your office is doing is harassment. First, patient XXXX never contracted XXXX and did not go to XXXX for the service. Under Federal Law of No Surprise Act (NSA), patients are protected from surprise medical bills. This went on effect XXXX XXXX XXXX Patient XXXX was informed by the clinic the service is free, and the contract is between patient XXXX and XXXX XXXX XXXX XXXX. \n\nPatient XXXX went to XXXX on XXXX XXXX XXXX aXXXX XXXX to inform about this bill from XXXX. The personnel/nurse stated that she will call XXXX the following Monday. \n\nPatient XXXX returned again to XXXX on XXXX XXXX XXXX at XXXX to follow up, and informed them about this XXXX bill. The personnel/nurse from XXXX informed Patient XXXX that she already called XXXX, and that Patient XXXX should not worry about this bill; disregard it since the test was done thru that XXXX program. \n\nDespite all the information provided to XXXX, it still harassed Patient XXXX for the same charge of XXXX. It recently sent credit collection service bill for $XXXX. File Number XXXX XXXX XXXX. Dated: XXXX \nThe California License # of the collection service is XXXX Phone #: XXXX XXXXXXXXPlease help me stop this harassment from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I am an identity theft victim ( XXXX XXXX # XXXX ). This institution is in willful violation of FCRA 623 and Texas Finance Code 392.308. Despite receiving my Approved Police Report and FTC Affidavit, you " verified '' this fraudulent debt as accurate to XXXX on XX/XX/year>. You are legally prohibited from reporting data that law enforcement has identified as fraud.

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 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
Subject : Coercive Tactics, Deceptive Inducement, and Systemic Servicing Failure Description : I am filing this complaint to report a pattern of predatory collection tactics and systemic misinformation by American Honda Finance between XX/XX/XXXX and XX/XX/XXXX. 1. Deceptive Inducement ( XX/XX/XXXX ) : Supervisor XXXX induced a payment of {$910.00} by promising to " revisit '' and review my account for a deferment once payment cleared. Relying on this, I paid my emergency medical funds while recovering from a XXXX XXXX XXXX. 2. Coercion & False Deadlines ( XX/XX/XXXX ) : Supervisor XXXX called and stated a deferment was denied. She claimed a " due date change '' was the ONLY option and insisted it had to be done that day to be valid. This was a coercive tactic to force a contract change under duress. 3. The " Catch-22 '' ( XX/XX/XXXX - XX/XX/XXXX ) : Despite Ofelias " final '' denial, Escalations rep XXXX reached out on XX/XX/XXXX ( Voicemail XXXX XXXX ), proving the account was still open for review. On XX/XX/XXXX, representative XXXX left a voicemail ( Transcript Attached ) again offering a " due date change '' or a non-guaranteed extension. However, when I attempted to accept the offer, I was told the system would not allow it because the account was now " past due. '' 4. Conclusion : Honda is offering " solutions '' via voicemail that their own system will not allow them to fulfill, while supervisors use false deadlines to extract payments. This " revolving door '' of misinformation is being used against me while I am in a documented medical crisis and have provided executive-level notice of my hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a debt collection notice from Transworld Systems Inc ( TSI Reference # XXXX ) for {$3000.00} on behalf of XXXX XXXX XXXX. The notice stated a dispute deadline of XX/XX/XXXX. On XX/XX/XXXX, I called TSI and verbally disputed the debt and requested validation within their stated deadline. TSI acknowledged the debt was sent to collections prematurely and stated the account was placed on hold, however they never returned the account to XXXX XXXX XXXX and never sent it back. As of today XX/XX/XXXX, TSI has failed to provide any written debt validation despite 25 days passing since my timely dispute. I have received XXXX updates or written communication from TSI after my XX/XX/XXXX dispute. Under FDCPA, TSI is required to provide written validation upon request and must cease collection activity during dispute. Their acknowledgment that the debt was sent prematurely combined with their failure to return the account or provide validation are clear FDCPA violations. This debt was never delinquent XXXX XXXX XXXX issued an official invoice dated XX/XX/XXXX with a clearly stated due date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Identity theft. Was never on my report till few years ago. Its.not on 2 of my credit reports

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 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, Mazda Financial Services issued an official lease-end invoice for my XXXX XXXX XXXX XXXX ( Account ending in XXXX ) with a clearly stated due date of XX/XX/XXXX for {$3000.00}. Despite this official due date, Mazda sent my account to XXXX XXXX XXXX for collections on or around XX/XX/XXXX just 18 days after issuing their own invoice with a XX/XX/XXXX due date. The debt was never delinquent or past due. I called Mazda Financial Services multiple times requesting they recall the account from collections. They verbally acknowledged the XX/XX/XXXX due date but refused to recall the account, repeatedly telling me to deal with XXXX XXXX instead. Mazda is aware this referral was premature but refuses to correct it. I am requesting Mazda immediately recall account from XXXX XXXX and confirm in writing that no negative information will be reported to any credit bureau as this debt is not yet due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Sesame, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I made a transaction of {$8000.00} from my XXXX into my sesame XXXX XXXX account and everything was successful until on XX/XX/year> when I tried checking my account only to find out its been closed with out my notice and I reached out to them to refund the money back into my account or send me a check but they said they cant that I should call my bank to recall the money back and I reached out to my bank to recall the money back but my bank said once the money is delivered it cant be returned for if its against there policy and I reached out to credit sesame but they keep on insisting that my bank should call for a refund even after telling them what my bank saidI have reported this case more thank 20 times but credit sesame refuses to release my funds even after 1year of holding my moneythey sent me a link to upload my id card which I did but up till now they said they cant release my money note no one has access to my account except me and no fraudulent transaction or activities was done on the account but credit sesame locked the account and still held my funds I will send the statement of that account to show it was not fraudulent and my new drivers license and the expired drivers license used in opening the credit sesame accountI will also upload the last Account statement that has a new address of my current address

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 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: DC

Complaint narrative:
There is a co-signed student loan in my name from XXXX. Tge loan original amount was {$5000.00}. This loan was open around the time I taking care of my sick mother. I do know the person, but did not authorize my name on the loan. When I first learned of the Student loan it was pass due, and I was receiving calls. I spoke to a rep and they gave me information after I verified myself. At the time my social security number was not on the loan but a number ending in XXXX, which I got removed from my credit report not understanding at the time. The person who is co signed with me is paying the loan. I ask XXXX for proof many times and they keep sending me documents with half my information and h a lf the mother information, but no signature or in stating I co signed. Now XXXX has sold the loan to another company and I don't have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was scammed by a person and I gave him my account information. He bought two items on my Venmo account. Ive sent per their request my picture of my DL and a picture of me holding the license three times. This has been a week. Ive asked for the information on why this is taking so long but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: LA

Complaint narrative:
Dear CFPB, Account # XXXX I am writing to dispute an inaccurate credit report entry. Both XXXX XXXX XXXX are reporting this account with different open dates. I previously requested its deletion, but it was returned as verified with no proof of verification. This violates the Fair Credit Reporting Act ( FCRA ) 611, which mandates accurate reporting and substantiation. Furthermore, the payment history and reporting dates are incorrect, harming my credit standing. I request that these entries be removed or corrected in accordance with the FCRA. Please investigate and provide a resolution.

Company response to consumer: Closed with explanation