vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: TN

Complaint narrative:
My loans seem to flip back and forth between forbearance and repayment. I was not given enough notice in XX/XX/year> before these were reported and impacted my credit score immensely causing XXXX point drop when I had around a XXXX XXXX score causing major financial distress. As a single mother this has caused me so many extra problems. Since these impacted my credit score i have not missed a monthly payment. I am requesting to be a part of the class action lawsuit against MOHELA. I am also requesting an investigation into the handling of my loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i reported fraud on my credit card and the bank now blocked my card! i cant use my card after i reported the fraud charges its unsane i want my card to work again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I want to report and file an unauthorized account and report identity theft and fraud with the right government agencies or send to XXXX XXXX XXXX XXXX to help with my past and future complaints about this banks due to a opening of an private unauthorized bank without knowledge or consent. Please send all complaints to The Department of Justice ( DOJ ) about this banking behavior for this is deceptive and illegal and no Agency should ever close this complaint. I am a victim and need a full investigation about this banking practice for my personal currency is involved in this matter.

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 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
The auto loan/lease for a XXXX XXXX XXXX XXXX was paid in full on XX/XX/XXXX. On that same date XXXX Lease Trust issued a document confirming that it no longer claims a security interest in the vehicle and released the lien. A court-filed agreement governing the vehicle states that title to the vehicle is to be held in my name, while a third party would pay the balance of the purchase price. Payment by a third party was anticipated and does not transfer ownership. Despite the lien release and the court agreement identifying me as the owner, Toyota Financial Services mailed the Certificate of Title to a third party. When I later contacted Toyota, representatives stated that Toyota can only issue the title to the person who paid. This statement is incorrect because the lenders role after payoff is only to release the lien ; it does not determine ownership or redirect title based on who paid the balance. On XX/XX/XXXX I sent a written demand to Toyota Financial Services requesting delivery of the title to the lawful owner. The message was delivered to Toyota and executive leadership and an automatic reply confirmed receipt. Toyota has not delivered the title or provided a legally supported reason for withholding it. I am requesting that Toyota Financial Services correct the misdelivery and provide the Certificate of Title to the lawful owner following lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have a lease contract that states that, paragraph 46 " unless you are moving out on the lease term ending date, you must give our representatives at least 60 days advance written notice of your intention to vacate. '' I vacated the apartment at the end of the lease term but the landlord sent me to collection for insufficient notice. I explain and send letter to the collection company to open a dispute but they closed the dispute without reviewing the contract and doing further investigations. I spoke with them multiple times and XXXX of their representatives understood that I was correct but when I got transferred to another XXXX, he did not wanted to understand what the contract was stating and just told me that I was going to be reported if I don't pay the balance. I send a dispute letter withing the 30 days and the balance that I have is XXXX for 24 days of insufficient notice.

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 2026-03-12 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company has demanded payment for money i Don't Owe! Every Month They have been Reporting to Credit bureau that I owe money. This has been going on since XXXX of 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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC reported three collection accounts on my credit report that I disputed as inaccurate and unverified. The company failed to provide documentation proving the validity of the alleged debt. The accounts was later removed and then put back on my credit report after my dispute, which raises concerns that the information was reported without proper verification. I am requesting documentation showing how this debt was verified and why it was reported in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX owe XXXX LVNV Funding LLC XX/XX/XXXX {$570.00} XXXX {$460.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Broken record. If these companies would simply run a credit check instead of opening accounts for criminals, the system might work much better. TSI or Transworld Systems is trying to collect a debt for XXXX XXXX ( aka " the problem '' ) over an account they opened for a criminal in my name. I am not aware of anything other than what is in my credit report which is the following... Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is TRANSWORLD SYSTEMS. The original creditor was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: VA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint about my Discover credit card account. The last four digits of the card are XXXX and the current balance showing on the account is {$4900.00}. The address that was associated with the account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but I no longer live at that address. The best way to reach me is by email, and I can also be contacted by phone at XXXX. I have been a customer with Discover for about three years and had always paid my account on time with no problems. The issue began after XX/XX/year> when I had to leave my job and travel out of town to take care of sick parents. I contacted Discover to ask about hardship assistance, but instead of being helped I was transferred to their collections department. The conversation immediately felt like a collection call rather than someone trying to help a long-time customer. The main issue is that Discover withdrew payments from my XXXX XXXX XXXX account but did not apply those payments to my Discover balance. The payments appear on my XXXX XXXX XXXX statements as having been taken by Discover, yet my Discover balance stayed the same for two consecutive months. That was a major red flag to me because it looked like the money was taken but not applied toward reducing the balance. I also tried to review my account activity because I needed to see certain charges, including a charge from XXXX XXXX XXXX, but I was not able to see the transaction history. After three years of being a loyal customer with no late payments, not being able to see the charges on my own account was very concerning. Because of these issues the balance has now grown to {$4900.00} due to interest and fees, and my credit report has been negatively affected even though I had a good payment history before this situation. Discover recently tried to set up a payment plan that would start with a payment of {$420.00} followed by another payment later in the month and then monthly payments of about {$73.00} at a XXXX percent interest rate. I am willing to pay what I legitimately owe, but I can not agree to a payment plan until the account is properly investigated and the balance is verified. I am asking the Consumer Financial Protection Bureau to investigate this account and require Discover to review the payment history, verify that the payments withdrawn from my XXXX XXXX account were properly credited, provide a full transaction history for the account, and correct any errors in the balance or credit reporting. I also request that collection activity be paused until the investigation is completed and the correct balance is confirmed. Thank you for reviewing my complaint. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing regarding a debt Sunrise Credit Services is attempting to collect that allegedly originated from an XXXX XXXX XXXX account opened fraudulently in my name. I am a victim of identity theft. I did not apply for, open, authorize, or benefit from this account. My personal identifying information was used without my knowledge or permission. This matter has already been formally reported and documented with federal agencies. I have submitted an Identity Theft Report through the Federal Trade Commission ( FTC ) and an Internet Crime Complaint Center ( IC3 ) report documenting the unauthorized account. The FTC Identity Theft Report confirms that the XXXX & XXXX account was opened fraudulently using my identity without authorization. XXXX XXXX XXXX XXXX XXXX XXXX has also acknowledged receipt of my fraud claim and is currently reviewing the account. Because this debt is the result of identity theft, any attempt to collect or report this debt violates federal law. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer submits a valid Identity Theft Report, the furnisher and credit reporting agencies must block and cease reporting any information resulting from identity theft. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection activity when a consumer disputes the validity of a debt and asserts that it resulted from identity theft. Sunrise Credit Services has now been formally placed on notice that : This account is fraudulent The debt does not belong to me My identity was used without authorization If Sunrise Credit Services continues to pursue collection activity or report this debt to consumer reporting agencies after receiving notice of identity theft, such conduct may constitute knowing reporting of inaccurate information and unlawful collection activity.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems is reporting a {$290.00} collection account on my credit report for an alleged account originally with XXXX. I contacted Jefferson Capital to resolve and pay the balance, but their representative informed me the account has not yet transferred to the agency handling payments and can not currently be located in their system. Because the account can not be located or processed for payment, I am unable to resolve the debt even though it is actively being reported as a collection on my credit report. Reporting a debt that can not be verified or resolved is unfair and inaccurate. I request that this account be properly verified or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MS

Complaint narrative:
Over the course of many years while obtaining my XXXX and XXXX I have accumulated over {$50000.00} in debt, which is serviced by MOHELA. I have complied with all of the rules and regulations, including refinancing my loans into XXXX income based repayment plan. I recently lost my job and need to redo my payments and have reached out to MOHELA with no response. They are very slow to respond to request if at all through the years and XXXX not being given credit for all of the payments I have made previously. There is very little movement on their part in any direction. They blame the federal government and XXXX XXXX for this delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian management has made fraud reporting credit account negative impact and the keep my account credit report poor condition by the name of FCRA disagreed of XXXX XXXX bill. what was FCRA disagreed? I just explain you as below XXXX XXXX was made 1 month electricity bill {$440.00} ( XXXX XXXX XXXX ) and I requested for collection, normal bill {$55.00} to $ XXXX, the Energy bill company XXXX XXXX has been corrected and I paid bill on XXXX XXXX account has been closed. FCRA was disagreed to bill correction and pay bill. As I dis it. XXXX XXXX bill paid and XXXX balance. Account no XXXX. I've Experian and XXXX XXXX contacted few times customer services. XXXX XXXX bill paid and no balance due. It's need to remove from credit history. Experian not remove by the name of XXXX disagreed. Please agreed to remove from credit history after dispute Experian has remove few times and put back again my account as make potential negative impact. score down XXXX to XXXX score and make poor credit history. I believe they made intentionally when my credit history up or I want to apply mortgage. I've dispute this issue more than 20 times in every report depute not completed. and the XXXX XXXX collection not remove. the comments mentioned FCRA disagreed. Please send request to Experian remove permanently from my account. I also have severity complain about Experian management as very poor level of services. Experian as several debit collection company to use for identity theft. I've seen the name of utility and the debit collection and my personal information not match and reported my credit history. My complain Experian has removed. in between my credit history made poor score. Experian employees from supervisor to all customer services, fraud department are dishonest. one of lander has mention that Experian has charge unfair cost for remove some debit collection. I've voice report and documents to submit you.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Title max i tried to pay my bill my card i used to get the account it would not take they double charge people they already messed my car up.noq they came got it this morning no letter that company is a fraud and title max is ripping people off and were is the people to stop that yea I am very sad I dont have no ride and I have a XXXX daughter and they know they wrong my card would not work for them it rejects it.thats fraud false advertisement someone needs to do something

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 d ebt 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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by two debt buyers currently reporting collection accounts on my credit report. The first account is being reported by Jefferson Capital Systems LLC in the amount of {$2000.00} with a reported date of XX/XX/XXXX. Jefferson Capital Systems is not the original creditor and is acting as a debt purchaser. Because the company purchased the account after default, they must be able to provide documentation verifying their legal ownership of the account and the accuracy of the balance being reported. The second account is being reported by XXXX XXXX XXXX in the amount of {$2400.00} with a reported date of XX/XX/XXXX. XXXX XXXX is also a debt buyer and did not originate the alleged account. In many cases XXXX XXXX accounts are serviced by XXXX XXXX XXXX, which raises questions regarding the chain of assignment and authority to report the account. I have disputed the accuracy of these accounts and requested verification of the following : Documentation demonstrating legal ownership of the alleged debts The full chain of assignment from the original creditor to the current debt buyer Documentation showing how the reported balances were calculated The date of first delinquency and charge-off information from the original creditor Because these companies purchased the accounts after default, the information being reported must be fully verifiable and accurate under the Fair Credit Reporting Act. At this time the reporting of these accounts raises concerns regarding the completeness and accuracy of the information being furnished to consumer reporting agencies. If the companies can not provide documentation verifying the alleged debts and the balances being reported, the accounts should be removed from my credit report. I am requesting a formal investigation into the reporting of these accounts and correction or deletion of any information that can not be verified as accurate and complete. Additionally, I am requesting verification of the Date of First Delinquency associated with these accounts as reported to the credit reporting agencies. Because these accounts were purchased by debt buyers after default, the reporting entity must be able to document the original delinquency date from the original creditor. If the furnisher can not provide documentation verifying the Date of First Delinquency and the accuracy of the reporting timeline, the tradeline can not be considered compliant with the Fair Credit Reporting Act and should be deleted from my credit report.

Company response to consumer: Closed with explanation