vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The company the XXXX XXXX XXXX had fraud on our XXXX account and it took them 58 days to resolve it we closed our business checking account we notified TD BANK Na on several occasions that we were dealing with fraud and we had to wait to get a new bank account to make our payment, and instead of working with us on this fraud issue they reported it to my personal credit score this is a business card say so on the front of the card, and the card is attached to our ein number. I called TD several times and they confirmed that I am not personably liable and refuse to send me a letter stating so. They refuse to remove this from my report the debt and payment history should not appear on my personal credit report, they call an threaten me instead of helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinme Holdings, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX, an unknown individual opened up a coinme account with my SSN. A cryptocurrency kiosk fraud was created using my name, that scammed an XXXX lady from New Jersey $ XXXX {$27000.00}. This individual impersonationated a XXXX XXXX law officer claiming that this lady would be arrested because she missed Jury duty, if she did not pay. XX/XX/XXXX, A warrant was issued for my arrest. XXXX is when I was made aware of the active warrant. After confirming, XXXX XXXX XXXX XXXX. Came and detained me at my residence in Alabama. XX/XX/XXXX, I waived my extradition in hopes of a speedy process. XXXX XXXX, XXXX, U.S. Marshalls flew me to New Jersey in spite of my not having any ties at all with the state. And Identity theft was a main concern from the beginning. XXXX XXXX, XXXX, I was released on pretrial release, my wife made arrangements with her employer to transport me back home to Alabama. That following week is when I was informed that I lost my employment of 9 years. The detective failed to communicate with the prosecutor about the evidence of my innocence. They still have proceeded with the case. Although I have a local police report, ITF report, IC3 report, my family and children have become financially unstable because of the failure to collect proper evidence such as geo-locations, biometrics, forensic analysis, block chain Analysts, etc. After obtaining public information about Coinme, since I have been released, from my understanding California has Jurisdiction over this company, this company has been ordered to give any evidence and all evidence over without a supenea when fraud is a concern. I want someone to communicate, review, and assist with this situation and take this as a priority, that my identity was stolen, and there were no actual evidence to support the cross state warrant that has caused my family financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
In XX/XX/2025, I purchased an XXXX XXXX XXXX prepaid smartphone and prepaid service plan through XXXX. The phone was sold as prepaid and was picked up at the XXXX XXXX in XXXX, South Carolina on XX/XX/2025. At the point of pickup, a XXXX employee improperly activated the prepaid device as a postpaid XXXX XXXX XXXX account without authorization, disclosure, or consent. Neither I nor the intended user agreed to or signed for any postpaid service or contract, and the postpaid account should never have existed. As a result of this unauthorized activation, XXXX & XXXX billed charges to an invalid account and later referred the balance to a thirdparty debt collector, Sunrise Credit Services. I do not owe this debt. I disputed the account and sent written ceasecontact notices, yet collection attempts continued to my phone number and to the intended users email address. This complaint concerns attempts to collect a debt that is not owed and resulted from an unauthorized account created by a retailer activation error.

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 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I originated an auto lease that involved severe dealership misconduct. After being subjected to high-pressure tactics, I was physically chased out of the dealership and physically blocked from leaving the lot until the lease was finalized. Throughout the life of the lease, I made documented attempts to mitigate damages. In XX/XX/XXXX, I was told by a Customer Relations Manager that returning the vehicle was " not an option ''. In XX/XX/XXXX, I surrendered the vehicle to an authorized service center and proactively informed the creditor 's repossession department of the exact location. Despite this voluntary surrender, the creditor assessed a {$1500.00} " Repossessing '' fee. In XX/XX/XXXX, I sent multiple emails to dealership management requesting to convert the lease into a purchase or trade into a more affordable vehicle. These requests were ignored. I opened a formal dispute ( Case # XXXX ) detailing these issues, but the creditor has failed to investigate or provide a resolution for over a year. The creditor is currently reporting a {$16000.00} deficiency balance that includes the fraudulent repo fee. They continue to report " Repossession '' and " Charge Off '' indicators despite my good-faith efforts to surrender the asset and settle the debt, which were ignored by their leadership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am due to recertify my income based repayment. Aidvantage has told me several wildly different amounts I will owe, from $ XXXX to $ XXXX. They can not tell me what numbers they are using to calculate these figures. With IBR, I am never supposed to be charged more than the standard repayment cap from when I ENTERED into XXXX ( 2016 ). I have no access to these documents because my federal loans have changed hands XXXX times. They also cant tell me what my cap is, I.e they are prepared to just charge me whatever the want. Maybe up to 15 % of my income with no limit. How can they not provide me documents. How can they change my loan amount so many times. How can they quote me an amount when they dont even have record of the XXXX amount there allowed to charge me. This seems like a violation of my rights, that I owe this debt, but they will provide no documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
I am writing in response to your communication regarding an alleged debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Please provide the following information : 1. The name and address of the original creditor 2. The original account number associated with the alleged debt 3. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges 4. Documentation showing I am legally obligated to pay this debt 5. Proof that your company is licensed and authorized to collect this debt in my state 6. A copy of the original signed agreement or contract bearing my signature Until this information is provided and verified, I request that all collection activity on this account be immediately suspended, including reporting to credit bureaus. If you are unable to provide proper validation, I request that you permanently cease all collection efforts and remove any negative reporting associated with this account. This is not a refusal to pay, but a formal request for validation as provided by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Regarding account number for XXXX XXXX # XXXX, I am unaware of this debt and did not have the opportunity to dispute it. If you believe you sent proper notification, please provide certified mail with a receipt displaying my signature. If not, please delete account number # XXXX from my report as soon as possible ; otherwise, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Hello want to see what the insurance check was applied too on this account they are saying XXXX XXXX something but my insurance sent proof of XXXX where is the rest of this check and this should have bought this account current I dont know why it was flagged with a repossession it was wrecked and wasnt even 30 days late this was out of spite and need to be addressed and again I dont see that check was issued in XXXX for this car and now waiting on my gap to be processed on that payment sheet I dont see no check in that amount my adjuster sent Im thinking fraud.Once my gap process Im seeking counsel because this is all not handled correctly from the payment chart was sent sense 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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM 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 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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Staying at the landing at XXXX XXXX I was trying to pay my rent and XXXX stated that I needed to take my money else where and find a place to stay because I could longer rent there because I had been late. When I went to court she asked why I was there and that I didnt need to be there and never told me I owed a balance or that I needed to pay anything I asked her to call me but I only got a notification on my credit that this had been added the amount I tried to pay but they rejected and told me to find somewhere else to stay. I wasnt evicted Its under XXXX A email I dont have access to anymore but its on there computer because they said they saw it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: UT

Complaint narrative:
I tried to purchase some XX/XX/XXXX from a person on chime and when I sent the money they stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of Americas improper denial and mishandling of multiple fraud claims on a joint account ending in XXXX, held by XXXX XXXX and XXXX XXXX. Claim 1 : Claim ID XXXX {$14000.00} Denied without evidence Claim 2 : Claim ID XXXX {$2000.00} Improperly handled/delayed These transactions were unauthorized. Neither account holder approved, initiated, or benefited from these transactions. Bank of America denied and mishandled these claims without providing any evidence, documentation, or reasonable explanation. No proof has been provided that these transactions were authorized by either account holder. This conduct violates the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ). The bank failed to conduct a reasonable investigation, failed to provide a written explanation, and failed to provide copies of the evidence used in their decision. A denial without proof is not a valid investigation. If the bank claims these transactions were authorized, I demand they provide : * IP/device logs * Authentication records * Merchant verification * Any signed authorization The handling of multiple claims demonstrates a pattern of failure to properly investigate fraud and comply with federal law.

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 monetary relief
Consumer complaint received 2026-04-30 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: MS

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: VA

Complaint narrative:
I requested a validation of this debt, and the information provided was insufficient to verify that I owe this debt or that the company has the legal right to collect it. Specifically -The documentation provided does not adequately prove ownership of this debt. -The amount of the debt has not been properly explained. - Key details such as the original creditor and account history are incomplete or unclear. Despite this, the company continues collection efforts and/or credit reporting. This is a violation of my rights under the Fair Act Debt Collections Practices Act. I am requesting : - Proper validation for f this debt. - Correction or removal of any inaccurate credit reporting. - Cessation of collections activity until validation is provided. I expect this matter to be investigated and resolved promptly. The debt collector and/ or debt buyers named are : - Hunter Warfield - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to mention all these companies are credit cards, rental, and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
In early XX/XX/year>, my accounts began showing unauthorized activity across multiple platforms, including Navy Federal Credit Union, XXXX, XXXX XXXX, and XXXX. Around XX/XX/XXXX, I experienced suspicious transactions and account access that I did not authorize. This activity escalated, and on or about XX/XX/year>, approximately {$8900.00} was transferred from my Navy Federal account without my authorization. I reported the fraud to Navy Federal immediately and disputed the transactions. I also took corrective actions, including securing my accounts, disabling transfers, replacing devices, and reporting the incident to law enforcement. I submitted documentation supporting that these transactions were not authorized. An independent investigative report also confirmed that my accounts were compromised and that the transactions were the result of unauthorized access. Despite this, Navy Federal denied my claim. I am requesting a full investigation and reimbursement of the unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: KS

Complaint narrative:
I never rented an apartment from XXXX. I was sent to a collection agency for an apartment I have never heard of. I disputed the debt on all 3 bureau and my account with Columbia debt recovery llc dba genesis was removed from my credit reports but they continue to harass me and email me. Its abusive to continue to attempt to collect a debt that was removed by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Regarding account number for XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute it. If you believe you sent proper notification, please provide certified mail with a receipt displaying my signature. If not, please delete account number # XXXX from my report as soon as possible ; otherwise, I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
My Cash App account was compromised through an unauthorized device login. Funds were liquidated and transferred to other Cash App users without my consent. I have filed a police report documenting identity theft. Cash App has failed to resolve or recover the funds despite clear evidence of unauthorized access. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sir Finance Corp
State: IL

Complaint narrative:
So attorney XXXX XXXX XXXX in XXXX il who has a XXXX XXXX in XXXX, il frauded me. I tried to reach out to the courts myself too see why my job had received a wage garnishment deduction out of the blue from attorney I never had seen or spoke with. Not to mention he had this case under one judge who denied it for me not being served and then he moved it to another judge and lied under oath by submitting an affidavit saying he served me through XXXX XXXX who is my neighbor who lives upstairs in XXXX XXXX not XXXX. I have a lease to prove that my neighbor absolutely did not stay with me not ever. I want a full refund of my money plus interest. I do also believe this attorney needs to go to jail for fraud. I also believe he lied about the amount of money owed and never submitted the correct amount from the beginning what wouldve actually been owed for the debt not to mention the debt was outside of 10 year status limit. He also submitted something stating I signed a note in XXXX, which is not true either. I did also tried to get another court date once the garnishment started and he stroked the court date right away i only became aware of him creating fraud based off the email from a different attorney within last week and now im demanding a full refund

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ok I send XXXX payment to credit card payment they post XXXX and XXXX missing try talk and talk with them they came back gave me XXXX after 2 weeks still missing XXXX $ I got approved they did deposit that money in their account

Company response to consumer: Closed with monetary relief