vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: GA

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 2026-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I filled out an online application XX/XX/year> a little after lunch time I believe. I got a call the same day, later on in the evening to gather some more information. They requested pay stubs, which I submitted and a copy of my drivers license which I submitted. She called back requesting a utility bill or something since my address on my application did not match my drivers license. Understandable, I happily submitted it. She calls back to tell me what I have been approved for and goes over everything and we agreed I would come in the next day on my lunch break to finalize the documents. I got in the next day, already very defeated because of the financial situation I was in and then she starts acting if I decided if I wanted the full amount I was approved for or just the amount I requested. We go over all the paper work for both options including all the added on insurances that she made seem like they were mandatory and Im overwhelmed by the monthly payments and interest or both options ( STILL NO MENTION OF COLLATERAL ) she can tell Im desperate and she is just flying through all the paperwork hoping I wouldnt ask but I did I finally asked do I have to get all this insurance add ons, she is visibly annoyed and says no you dont. I said great can we take that off and then go over the options for both the amount I was approved for and the amount I requested. Shes frustrated and I can tell, she re does the paperwork and I decided to go with the amount I was approved for. Start going through and signing the paperwork, she is rushing through it, making small talk and I remember her saying something about a XXXX XXXX lawnmower, I think nothing of it because I didnt know what she was talking about. I sign everything unfortunately, except the money and go about my day. Use the money for what I intended to and I later regret my decision because the interest on this is insane 35.98 % I start looking over my paperwork and thats when I see it, the XXXX XXXX lawnmower listed as collateral. I do not own this lawnmower or any lawnmower for that matter, never told her I did. I didnt think anything of it because I was uneducated and didnt know that was illegal to do. Here I am months later drowning in debt and research debt and debt programs, that is where I learned this is illegal. I NEVER would have gotten this loan if I was told I needed collateral, one because I wasnt looking for a secured loan and XXXX I dont have anything of value to put up as collateral anyways. I was taking advantage of and was put into an even worse financial situation because of a greedy company taking advantage of desperate people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I requested of XXXX XXXX to send a transfer request to Citi to move my funds out of Citi and over to XXXX. XXXX sent the request with tracking and it was received by Citi on XX/XX/year>. 

There has been XXXX correspondence or action by Citi. I called Citi on XX/XX/year> to inquire on progress, and the first representative was difficult to understand and hear. I advised I was having a hard time hearing her, and she told me to call back and immediately hung up on me. 

I called back and the next representative looked at my account and stated there was no transfer request. After 10 days there should be record attached to my account of the transfer request but Citi has XXXX record. 

Citi continues to hold my money, which has been the case for months after my mom passed away and I inherited her IRA. Its been a nightmare experience.

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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
My account was closed after receiving my refund advance now Im stuck trying to see where my return will go this is a inconvenience to me and they not giving me a reason why they closed my account, I called in spoke with XXXX XXXX in they said my account was active so at this point I think they are scamming for fees and hold deposit Ive read online they are doing a lot of people like this so close to us receiving our 2025 tax refund Ive been a member for years they gave me a hard time moving my advance out of the account saying supeciouse activity and I know for a fact nobody have my login info I need help on opening my account back up to receive my funds please this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX regarding XXXX XXXX XXXX. 

XXXX XXXX has placed a freeze on my Certificate of Deposit ( CD ) account at Chase Bank without first providing me with any written notice or debt validation as required by law. I did not receive any prior written communication from their office regarding this alleged debt. 

I have attempted to contact XXXX XXXX by phone to request validation of the debt and clarification regarding this action ; however, my calls have not been returned. 

The only notification I received about this matter came from Chase Bank informing me that my CD account had been frozen. 

I am requesting that XXXX XXXX provide proper written validation of the alleged debt and documentation supporting their authority to freeze my account. If they can not provide such documentation, I request that the freeze be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MN

Complaint narrative:
Today XX/XX/year> i received a call from the XXXX XXXX us bank at XXXX this mornibn about an account trying to be opened in my name and social security number. I told them no that wasn't me and called the bank back at XXXX same date to request information about what had just happened and how to move forward. I was told that the info given was not my address and not my phone, but the info was my mothers address and my mothers old home phone number which was XXXX, and the address given was XXXX XXXX XXXX. I proceed to drive home and start calling people that i thought would have this information memorized. Couldnt get ahold of 1 of them and the others answered me and didnt seem to be lying. I then called XXXX  and put a hold on my account. Then proceeded to call my local police and file with them about the fraud alert. Then i tried to call the fbi to do the same but got rerouted here. That is all so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I mobile check deposited a check I received in the mail to My citi bank checking account. They said it would be revised and funds would be available in 1-2 business days. In that time I received an email stating that there was a delay with the check and it needed further review so I tried to logon to my online banking account and was denied access. I called them and was transferred to the security department and told that they were reviewing the deposit and I wouldnt have access till after the investigation. I waited 2 more days and then received an email stating my check was accepted and told write void on it and destroy it so I did. I then called to regain access to my account and was told my account was being sent for closure. That is ridiculous. I have both my state and federal tax returns being direct deposited into that checking account and they said after 30-60 days any money in the account would be issued as a check in the mail. I dont want that want even given the opportunity to validate the legitimacy of the check. I have no history of depositing bad checks and they didnt even say my account was being closed they said the check was accepted and told write void destroy it and so now XXXX cant even deposit it somewhere else. Im not even allowed to go in to a Citibank and withdraw my funds should they be direct deposited I have to wait for a check in the mail which will cause me a huge financial hardship I will lose my home. Why would they have me destroy a check if they werent going to cash it. I asked for the closure to be reversed and they said once its sent for closure it cant be reversed. Thats so ridiculous cant they just cancel the closure? And Im still unable to access my account online. Their being extremely unfair and dont seem to care that I put trust in them and had my state and federal return direct deposited to my accounts with citi and now Im going to be in worse shape than I was when I opened it and have to wait upwards of 2 months for my money and I have to have another check printed from the company that sent me the initial check which was told will take 9 days because it was already processed as deposited so I dont know what to do. Thanks to citi bank I will be homeless and they dont even care.

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 2026-02-20 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: MD

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 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am the victim of aggressive and unfair debt collection practices for a completely invalid debt. In XX/XX/XXXX, I canceled my XXXX account ( # XXXX ) to switch to XXXX XXXX XXXX XXXX XXXX made a billing error, leaving an unused promotional line open. They attempted to charge me in XXXX and XX/XX/XXXX, but XXXX XXXX XXXX upheld my disputes and blocked the charges. 
Despite admitting the error verbally, XXXX ignored multiple written dispute letters sent to their legal and customer service departments. They subsequently sent a fabricated balance of {$380.00} to XXXX XXXX XXXX ( XXXX ). After I provided XXXX with the bank dispute records, XXXX returned the account to XXXX on XX/XX/XXXX, stating they would no longer service it. 
Instead of correcting the error, XXXX instantly forwarded the fraudulent balance to Credence Resource Management, who began texting me on XX/XX/XXXX, demanding payment. XXXX is weaponizing the credit reporting system by endlessly cycling an invalid debt to new collection agencies to force a settlement. I request that XXXX permanently close this balance, and that Credence Resource Management immediately cease collection efforts and delete any associated marks from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF 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 2026-02-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX took a total of {$58000.00} from my Wells Fargo checking account starting on XX/XX/year>. Wells Fargo denied my fraud claim and stated that my deposits and the name on the XXXX account matches mine. I told them I never had any involvement in a XXXX account and the deposits coming in was scheduled from my deposits that I prior set up which has nothing to do with XXXX because it came from XXXX and XXXX deposits. Wells Fargo is giving illegitimate reasonings to deny my claim. They told me to contact XXXX directly and I did, XXXX told me to file a dispute with my Bank. At this point Wells Fargo is a terrible bank and wont help me even though they said my money was insured by FDIC up to {$250000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I mailed Westlake Portfolio Management a written request for full validation of an alleged auto loan repossession deficiency. In my request, I asked for a copy of the original signed contract, complete chain of assignment documentation, proof of lawful repossession, copies of all required UCC Article 9 notices, documentation of the vehicle sale, and a detailed deficiency balance calculation. 
On XX/XX/year>, instead of providing the requested documentation, Westlake sent me a settlement offer demanding payment. They did not provide any of the documents I requested. 
As of today, Westlake has failed to provide the documentation necessary to validate the accuracy, completeness, and legal enforceability of this alleged debt. Despite this, they continue collection activity and continue reporting this account to consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am an American with XXXX roots. My last name is XXXX... I feel I have been discriminated because of my last name... I will Americanize it in the future.. but this is not fair. We live in a world where credit is an important function of survival. How can such discrimination exist? Even if some stereotypes fit .. it doesn't apply to all. I am an honest pool guy. It sucks being sidelined and I hope someone can help against credit card companies and credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX claims that I owe {$1400.00} which is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
on XX/XX/XXXX. I found my credit card ending in XXXX ( XXXX ) can't be used and my online access can't log in. I contacted BarclayXXXX, and they requested that I fax my ID, SSN, and bank statements. I did it on XX/XX/XXXX XXXX and they said they need 10 business day to process. 
on XX/XX/XXXX XXXX. they said they need both side of the ID and SSN. and the utility statments. I will provide it again on XX/XX/XXXX. And call them on XX/XX/XXXX. They said the statement has over 30 days. Then I upload again on XXXX XXXX, XXXX because I have an overseas trip to XXXX in XXXX and XXXX. So I called them again on XX/XX/XXXX, XXXX they said the statement over 30 days again. so I upload again. then XXXX XX/XX/XXXX they said the ID and SSN not clear. I scanned again and uploaded on XX/XX/XXXX, and called them today, XX/XX/XXXX. They said they can't verify my identity, and they can't close my account or remove the Restriction. They can't do anything now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Closed my capital one account on XX/XX/year> after I paid both cards in full ( quick silver and XXXX  ) and was informed that I would not have access to the funds until one week later. At which point I closed the accounts and requested that the member ship fee of {$39.00} dollars and reward points amounting in {$10.00} dollars be refunded to me. The individual on the phone informed that I would be receiving my refund in one week.XXXX I call capital one and was informed that my {$39.00} dollar refund was applied as a balance on my now closed credit card and would have to wait 10 business days just to receive my {$39.00} dollar refund .. this is ridiculous. I have to wait an additional 2 weeks ontop of the week Ive already waited to receive MY HARD EARNED MONEY? This is EXACTLY why I closed BOTH accounts with capital one. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
Had payed for my XXXX XXXX and XXXX and did all checks on car and car engine blow up on me and car is total trash and gap I had on vehicle did not do anything on my vehicle and had wanted to cancel the lease due to XXXX car blowing up on me while I drove it home want to get this fix now looking for lawyers to start class action lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

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