vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
Ive asked about everything I can do the balance keeps going up Ive asked about information about any and everything they can offer they are being really difficult to work if Im honestly fed up with it am tired of dealing with it as far as Im concerned they can go unpaid I have a minimum of {$160.00} due XX/XX/XXXX I dont have that money its been to everything else that needs paid I honestly have called multiple times over and over about different inquiries and options I can think of I honest to god have tried my best Im doing the best I can it can be overwhelming I am low income as well but I have been seeking any help I can get

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXX & XXXX 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 2026-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Renton Collections Inc.
State: WA

Complaint narrative:
Renton Collections appears to be using an invalid, false, or non-serviceable address in its public business records, which has interfered with my ability to serve court papers. I attempted to serve Renton Collections through the address listed for the business/registered agent, but service could not be completed. Based on the failed service attempt, the listed address does not appear to be a valid location where the registered agent or authorized representative is available to accept legal documents. I believe this may be an attempt to avoid court service or frustrate consumers from exercising their legal rights. I request that the court allow alternative service or service through the XXXX Secretary of State under RCW 23.95.450, and I request that the use of a false or non-servicea

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
The guy from unifin debt collection called while I was driving we discussed payment options and I told him all I could afford was XXXX a month. He proceeded to ask me why and what my financial status was. I explained my debt to him and explained I had to get a new car because my other one was totaled explained to him I was a XXXX person income taking care of XXXX people he proceeded to say he also was a XXXX person income taking care of his family and then asked my finances and when I said my car was XXXX a month he proceeded to say mmm I think thats a bit high like I was lying. He was very rude and I also started recording the call so I could go back on it to make sure I didnt miss our agreement. When he asked my bank info I told him I was driving and could not access that could he please call me in XXXX mins. He got agitated XXXX and asked me to stop recording and I told him I was recording for my own purpose and then he got upset when I asked could he call back he said I will be reporting this to the company. And he never called back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 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: U.S. BANCORP
State: TX

Complaint narrative:
I am disputing a charge of {$79.00} from XXXX XXXX XXXX booked on XX/XX/XXXX. My bank incorrectly denied my initial dispute on XX/XX/XXXX. Under the Fair Credit Billing Act, consumers are protected against charges for " services not received. '' I did not receive this service because my cruise ship was forced to bypass the scheduled port due to severe weather/tender failure.The merchant denied the refund based on a 24-hour notice policy, but notice was impossible as the port cancellation occurred the morning of the tour. The bank failed to properly investigate that performance of the contract was objectively impossible. I have attached the cruise line 's official missed-port verification letter to prove I could not physically access the merchant 's location.

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA XXXX To XXXX XXXX XXXX XXXX This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : o 15 U.S.C. 1692e - False or misleading representations o 15 U.S.C. 1692f - Unfair practices o 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commissionjj ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX 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 2026-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX XXXX XXXX through the dealer. Within days, the vehicle developed serious mechanical and safety defects. I contacted the dealer and the lender multiple times requesting documentation, repair information, and clarification of the loan terms. I also requested proof of authorization for the credit inquiries made during the transaction, as well as an explanation for the negative credit reporting that appeared shortly after the loan was opened. XXXX closed my dispute without resolving the issues, even though the account remains in dispute and I believe the reporting is inaccurate. On XX/XX/XXXX, Ally Financial contacted me and stated that repossession activity was being initiated because no payments had been made. I explained that the account is the subject of an active dispute and that I previously filed a CFPB complaint concerning the loan transaction, the vehicle defects, and the credit reporting. Despite my requests, Ally has not provided the documentation I requested, has not addressed my concerns regarding the transaction, and has continued furnishing negative information to consumer reporting agencies while the dispute remains unresolved

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip Code Date : XXXX XXXX Original Creditor : ally Address City, State, Zip Code Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you regarding the purchase & Sale date of the above mentioned car. Also The day someone talked to someone at the dealer who they spoke to. I need more information because Im not the one who signed for the car physically I went in person and spoke to a XXXX in sales and when was the car repossessed & the exact day it was resold on or about. I am disputing this debt due to proof it doesnt belong to me. A deficiency can not be claimed unless the correct notices were given in a proper and timely manner. I am requesting copies of all dated notices sent to me and I am also requesting a copy of the bill of resale for my records. If for some reason you are unable to respond to my requests within 15 days from receipt of this letter, I will assume that this deficiency is indeed voided. I will also continue to check my credit report. If there continues to be any collection activities or damaging credit reporting, that will be a direct violation of the Fair Debt Collecting Practices Act and I will not hesitate to file a complaint with the Federal Trade Commission. Regards, " I am requesting a copy of the post-sale accounting for the vehicle. Please provide the date the vehicle was sold, the sale price, all fees and expenses deducted, how the sale proceeds were applied to my account, and the calculation of any remaining balance you claim I owe. ''

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 2026-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I received a collection letter identifying the collector as Renton Collections LLC. Public business records and other materials appear to identify the company as Renton Collections , Inc. I dispute this debt and request written clarification of the exact legal name, license number, business entity type, registered agent, creditor, account number, amount claimed, and authority to collect this alleged debt. Because the collection letter appears to misidentify the collectors legal entity, I also request that Renton Collections preserve a copy of the letter, envelope, account notes, collection notices, call logs, credit reporting records, and all documents related to this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, my XXXX AAdvantage Aviator credit card account, which was in good standing, was involuntarily migrated to Citibank , XXXX . as part of Citi XXXX acquisition of the XXXX AAdvantage portfolio. Within weeks, Citi closed the account ending XXXX. I never applied for a Citi account in XXXX ; Citi acquired my account and then closed it. The closure appears to be based solely on an internal restriction Citi placed on my profile in XXXX, when Citi closed my checking account after I deposited funds transferred from my own account at XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX chartered and regulated by the New York XXXX Department XXXX XXXX XXXX. That activity was entirely lawful. There was no fraud, no loss to the bank, no overdraft, and no violation of any law. My XXXX XXXX XXXX Report dated XX/XX/XXXX shows no reported information of any kind. My banking history is clean. Citi has never provided me a specific, substantive explanation for either the XXXX closure or the XXXX closure. I sent a written request for review to Citi XXXX XXXX XXXX on [ DATE SENT ] and [ received no response/ received an inadequate response ]. I am asking Citi to : ( XXXX ) provide the specific reason for the XXXX account closure in writing ; ( XXXX ) conduct an independent review of the internal restriction on my profile; and ( XXXX ) remove the restriction, given that it is based on lawful XXXX digital-asset activity, XXXX years have passed, and Citi itself now offers digital asset services. Maintaining an indefinite internal blacklist over lawful cryptocurrency activity constitutes unjustified de-banking.

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 2026-07-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have a XXXX XXXX XXXX Credit Card. When I redeem the points, you can select your gift option. I chose XXXX Gift cards. On XX/XX/year> - I redeemed XXXX points, and this transaction was for XXXX physical gift cards in the amount of {$100.00} each, which is {$500.00} total, and XXXX physical gift card for {$50.00} each. This total amount was for {$550.00} - and I received a confirmation that the transaction was processed and a receipt in the portal. No tracking information was provided, and I waited XXXX months. I called and filed a claim. I asked for tracking, I asked for proof of activation and zip code verification. The team did not provide me with any information. The supervisor I escalated the claim said the gift cards were activated and nothing they can do about it. They said they would give me {$50.00} because the XXXX card I requested didnt get activated. I nver took possession of these cards. They have no proof of delivery to me, and can not reasonably deny replacements in this claim.

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 2026-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PayTomorrow, LLC
State: NC

Complaint narrative:
I do not owe anything to pay tomorrow but yet I still getting multiple calls a day the the point it is harassment I have gotten over XXXX calls in 4 days

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
Last payment was made in XXXX and it still reflects on my record. Dates also keep changing to keep the account open.

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 2026-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, third party XXXX collectors National Enterprise Systems called my job to get in touch with me to pay for a debt of {$12000.00}. I asked when the account was closed. They replied with a date of year XXXX but that was a lie. It was of XX/XX/XXXX and has passed the Pennsylvania statute of limitations of 4 years and they still threatened to sue.

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 2026-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX my rent payment came out my account. I knew I had the money in my savings account to transfer to my checking. I went into my bank account my money from my savings account was gone. I called citi bank around noon. I ask the lady where to my mom go. I need it to cover my rent paying that just hit my checking account. She proceeded to say there was something debited from the account but I wont be able to see it until tomorrow. She asked to did I see the same thing on my end. I said no I dont. How can you see something XXXX cant? ( You all can pull the recording ) Later on in the evening around XXXX I get a email stated that they moved my money for me to cover the cost.Now I know where my money is possibly. My account is still negative at this point. Still nothing has posted. I called citi bank today XX/XX/XXXX I wanted to ask them why did they move my money on my behalf and then my money was no where to be found. I told this my whole issues is with them is. You all moved money from my account for me, and its didnt apply until the next day. You all sent my rent payment back because I didnt have the funds. When XXXX took the funds to cover it and it didnt apply to the next day. Now I have to pay all the extra fees when I didnt have to. When its you all fault when I could have transferred the money right away to cover my rent payments coming out .My money disappeared for a whole day

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 2026-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding how payments were applied to my Wells Fargo credit card account. I accepted a promotional XXXX % APR balance transfer offer for XXXX months on a balance of approximately {$3300.00}. While the promotional balance was on my account, I continued using the credit card for new purchases. I paid my monthly statement balance in full and also made additional payments intended to reduce the promotional balance. Instead of applying my payments in a manner that first reduced the highest-interest balance, Wells Fargo applied most of my payments to the XXXX XXXX promotional balance while leaving the higher-interest purchase balance outstanding. As a result, I was charged interest that I believe could have been avoided. I am requesting that Wells Fargo : XXXX Review how my payments were applied during the promotional period. XXXX Credit back all interest charges that resulted from payments being applied to the 0 % promotional balance instead of the higher-interest balance. XXXX. Correct my account so that the remaining promotional balance is reflected as subject to the XXXX % promotional APR through XX/XX/year>, in accordance with the terms of the promotion, if applicable. XXXX. Provide a written explanation of how each payment was allocated and why it was applied in that manner. I believe my account should be reviewed for proper application of payments under the terms of my promotional offer and applicable credit card payment allocation requirements. I appreciate your prompt investigation and a fair resolution.

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