vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
i have received a call from this number XXXX, unknown caller, and multiple other numbers including on a cell phone that is not hooked up to the account. they have threatened to locate and come to my home and my work place to serve me and was very rude about it basically yelling in the phone. I tried to come to a payment plan with someone they transferred me to but i told him i had to go to the bank and would call back to make an actual payment but something told me what they were doing was unethical and a scare tactic. they proceeded to try to run my card twice even though i said i would call back and make a payment. I called back today XX/XX/year> to ask what company this is trying to obtain a debt because i realized they never stated who they were and they keep leaving voicemails and not stating who they are. They proceeded to try to ask for my information and when i asked again what is the name of the company they hung up on me. I called acima to ask if they sold my debt to any collectors they gave me the company name XXXX XXXX XXXX and the phone number XXXX i looked them up and i do not see any information about them online. i called to ask if they have any affiliation of another company calling and threatening to come to my place of residence and she only kept asking me my information. This is unethical disrespectful and scary because i live alone and threatening to come to my place of residence is not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I had three unauthorized charges to my debit card around XX/XX/XXXX that I disputed the same day I seen the charges. I was immediately offered a credit to my account for all three charges and was told an investigation would start soon to look into it. I finally received an email around the end of XX/XX/year> confirming that the investigation was completed and it was not in my favor that all the unauthorized transactions were made correctly. I was also made aware that the credit to my account would be reversed. I never made these purchases using my debit card at any point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My XXXX account was suspended due to identity verification. After being notified of the suspension, l promptly submitted all requested documentation to verify my identity. Despite complying fully and in a timely manner, I have continued to receive unclear responses and no concrete resolution regarding the status of my account or access to my funds. This situation has caused significant inconvenience and hardship. As a XXXX mother of XXXX, I rely on timely access to my money for essential expenses including food, transportation, and household necessities. The delay and lack of clear communication have placed unnecessary stress on my family and me. My tax refund was being deposited into this account with it being suspended my refund will be returned back to the IRS which is another inconvenience which is unfair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
After reviewing my report I noticed this incorrect account that is tarnishing my name, reputation and is hurting me from applying or getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AL

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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I booked a stay at a hotel through a third party, XXXX. This was paid using my debit card from HUNTINGTON BANK. The stay itself was CANCELLED by the actual hotel/HomeTownStudios. The front desk agent, XXXX, is the XXXX who confirmed the cancellation with XXXX agent back in XXXX of XXXX. XXXX again confirmed that this reservation was not honored and cancelled on XX/XX/XXXX, and that I should have received my money BACK. XXXX has since sent over documents going against that conversation to withhold my money. Huntington has had my account in a negative balance and is also refusing to further investigate. Even when I sent over the recorded call from XXXX verifying that THIS WAS CANCELLED AND NOT TO BE CHARGED due to being cancelled BY the actual merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
Square XXXX agreed to process payments for my business. At no point in time is our business had anything but positive interactions with customers, we have no chargeback history, no dispute history with any transactions whatsoever. We only take payment after our product has been delivered to our customers. XXXX processed in {$11000.00} ACH transaction and then closed our account. They are not allowing us to refund the customer their payment, they are instead holding the money in its entirety for 90 days. All of our customers have a test tested that they have received their product and are happy, through a signed document that XXXX provided. XXXX refusal to allow us to return the payment through its original payment method is illegal. They do not have the rights to hold the funds for 90 days without giving us the option to refund the payment back to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
Upon lease-end for my Porsche XXXX, I made all of my payments in full by XX/XX/year>. I purchased a new car from Porsche. I was informed by the Porsche dealership that due to their client relationship - when a NEW car is purchased upon lease end - as a courtesy Porsche would waive the 'deposition fee ' for the old car. Porsche has not honored this. They billed me for the deposition fee. I spoke with Porsche Financial and direclty to the dealship multiple times. They assured me they would waive the deposition fee in full. However, this was not the case. Porsche Financial then sent my account to collections agency and damaged my prefect credit score. I have attached documents showing Porsche 's existing program that states on their website that fees, including deposition fee is waived when entering into a new financial agreement. I have also attached screenshot from my porsche financial app showing that my account is paid off and terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: TN

Complaint narrative:
In 2023 I was scammed of XXXX on the coinbase platform the fbiband coinbase are aware of this all attempts to get some of my money back has been fought by coinbase and i would like a resolution or response

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I paid off my auto loan for a XXXX XXXX XXXX XXXX XXXX in XXXX. The loan was financed through Hyundai Motor Finance. According to Hyundais own policy, once a loan is paid in full the lien should be released. However, the lien on my vehicle title was never released in the Florida system. Because of this, the XXXX XXXX XXXX XXXX 's office informed me that they can not print or issue my title. As a result, I am currently unable to sell my vehicle. Over the past several months, I have made multiple attempts to resolve this issue. I have contacted Hyundai Motor Finance several times and participated in conference calls with the Florida tax collector 's office. I was told that an electronic lien release would be submitted, and most recently a customer service representative stated that it had been submitted on XX/XX/XXXX. However, the Florida system still shows an active lien and the tax collector 's office confirmed that they can not issue the title. I also provided Hyundai Motor Finance with my payoff letter from XXXX and requested that the lien be released. Despite these efforts, the issue remains unresolved. Yesterday ( XX/XX/XXXX, XXXX ) I called to XXXX XXXX XXXX XXXX XXXX XXXX and he told me that lien is still active. I am requesting that Hyundai Motor Finance immediately submit a valid electronic lien release to the Florida system so that the lien can be removed and my title can be issued. I would also like written confirmation once the lien release has been successfully processed. This issue has already taken several months to resolve and is preventing me from selling my vehicle. I respectfully request that this matter be resolved as soon as possible.

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 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I paid my student loan in full to XXXX. However, XXXX, accepted the money and still claimed the loan as in default; transfered the loan to the XXXX. XXXX responded to my prior complaint they had not such record of payments. XXXX has now responded to the CFPB complaint I filed against them confirming their receipt of the payment and the transfer to XXXX. They also claim they're waiting to transfer these funds to XXXX via internal goverment payment and await XXXX 's approval. In the meantime. XXXX continues to falsely represent the loan in default prevent my daughter from obtaining her PELL grant funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I deposited a check for {$37000.00} into my American Express High Yield Savings Account. Shortly after the deposit was made, American Express closed my savings account and froze the funds in the account. At the time the account was closed, the total balance being held was {$38000.00}. American Express informed me that they would not release the funds to me and instructed me to contact the maker of the check to retrieve the money from them instead. I contacted the person who issued the check and explained the situation. However, they told me that the check had already been processed and cleared through the banking system, meaning the funds had already been transferred to American Express. Because of this, they now believe that I am attempting to take the money twice and have stated that they may pursue legal action against me for theft of the funds. This situation has placed me in a serious and unfair position. The bank is holding the funds, while the person who issued the check believes the funds were already paid to me. I have attempted multiple times to resolve this issue directly with American Express. During the week of XX/XX/year>, I called customer service XXXX separate times and waited on hold for approximately XXXX minutes each time, but the calls were disconnected or ended without any resolution. As of XX/XX/year>, American Express is still holding {$38000.00}, has not provided a clear explanation for the account closure, and has not provided a path for me to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report and request immediate intervention regarding the actions of Huntington Bank, which has frozen my bank account without valid justification and has refused to provide reasonable accommodation for my severe, medically documented XXXX. I suffer from severe agoraphobia, a condition that is debilitating and life-threatening for me. I have not left my home in approximately XXXX years. Due to this condition, I am unable to appear in person at any bank branch without serious risk to my health and safety. Huntington Bank has been made aware of this condition. Because of my XXXX, I have authorized my adult sons to conduct business on my behalf, including handling banking matters. This arrangement is not a convenienceit is a medical necessity. Despite this, Huntington Bank has frozen my account and refused to allow any meaningful access to my own funds. As a result of Huntington Banks actions : I am being denied access to money that belongs to me I am facing immediate financial hardship, including the risk of eviction I am being placed in a position where I may be forced to leave my home, which is medically dangerous for me The bank has effectively trapped my funds while refusing to offer a safe or reasonable alternative Huntington Bank has also refused to close the account or provide a lawful path to resolve this matter remotely, despite my XXXX and repeated attempts to explain my situation. I believe Huntington Banks conduct constitutes : Unfair and abusive banking practices Failure to provide reasonable accommodation for a documented XXXX Improper withholding of customer funds Conduct that places a XXXX individual at serious risk of harm I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Huntington Bank to : Immediately restore access to my funds Honor my authorized representatives Provide reasonable accommodations that do not require in-person appearance Cease actions that endanger my housing stability and health This situation has caused extreme distress and fear, and it is urgent. I am asking for prompt assistance before irreversible harm occurs. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS ) for reporting and attempting to collect a debt without providing proper validation. CCS is reporting a collection account in the amount of {$810.00} allegedly originating from XXXX XXXX XXXX XXXX. I formally disputed this account and requested validation. CCS has failed to provide : A copy of any insurance contract or policy creating liability Documentation establishing that I am legally responsible for this amount An itemized accounting of the {$810.00} balance Documentation establishing the Date of First Delinquency Proof of assignment or authority to collect on behalf of XXXX XXXX Despite failing to provide documentation validating the debt, CCS continues to report this account to credit reporting agencies. This conduct violates : XXXX U.S.C. XXXX ( b ) Failure to validate debt XXXX U.S.C. XXXX False representation of legal status of debt XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Furnishing inaccurate information Insurance-related collection accounts require documentation demonstrating contractual or statutory liability. No such documentation has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
Issue : Credit Reporting Goodwill Adjustment Request I am submitting this complaint regarding PennyMacs refusal to consider a discretionary goodwill adjustment for a single XXXX late payment reported in XX/XX/year>. I acknowledge that the payment was received after the due date. However, this late payment occurred during a period of temporary employment transition and increased financial strain. Prior to this isolated event, I maintained a consistent and positive payment history on my mortgage. My request to PennyMac was not a dispute of factual accuracy, but a request for discretionary goodwill consideration based on overall account history and hardship circumstances. I was informed that PennyMac does not offer courtesy or goodwill adjustments under any circumstances, even when a borrower has maintained long-term positive payment history. While I understand the obligation to report accurate data under the Fair Credit Reporting Act, goodwill adjustments are discretionary and permitted under the law. I am requesting regulatory-level review to determine whether PennyMacs blanket refusal to consider goodwill adjustments aligns with fair servicing standards. I am seeking reconsideration of a one-time goodwill adjustment in light of my overall payment history and current account standing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: TN

Complaint narrative:
I filed a dispute through XXXX with sunrise credit services in XX/XX/year>. They said I had a past due debt with charter communications. Ive never had charter communications and I said this in my dispute. I got a reply that it was my debt and nothing was gon na be done about it. I called sunrise credit services and spoke to them personally about it after this. I was told my address was out of Florida, which I have never lived in Florida before. The email they had on file was blessed something which is also not my email. I confirmed this with the lady. She said it was the wrong person and it would be taken care of. I refiled a complaint with XXXX because its still on my credit report and got a reply back that it is still my debt and it will not be taken off my credit report. Somebody has gotten my Social Security and my date of birth with the incorrect email and incorrect address. I would like to have this taken off my credit report because I am not paying a bill. I did not even sign up for.

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 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I have been a victim of Identity theft on multiple accusations I have no knowledge of the account or the collector. JEFFERSON CAPITAL LLC Have XXXX account tagging my credit causing me to have turmoil in my life and hardships financially and emotionally. Im unable to get a home because my credit has went down drastically due to frauds. The amount said collection agency JEFFERSON CAPITAL LLC unidentified claim that I owe is XXXX and XXXX

Company response to consumer: Closed with explanation