vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
b'I paid my XXXX  vehicle to Toyota through XXXXXXXX XXXX XXXX  payment plan in full according to the Proof Of Claim filed by Toyota. It was paid in its entirety and XXXX  Plan was fully paid and completed successfully. I have XXXX XXXX XXXX trying to collect $1920.10 on behalf of Toyota and their claim is not valid. I keeep calling Toyota and they keep transferring me to XXXX XXXX They need to pay me pain and suffering and relinquish my pink stlip vehicle title. \n\nAttached are all the supporting documents that the debt has been satisfied and Toyota is still trying to collect and refuses to issue free and clear title on XXXX  Vehice.\n\nKindly advise if you need anything else.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I was scammed by individuals posing as representatives of a bank seized cars program on XXXX. The account advertised vehicles supposedly being sold by the government. I contacted them through the XXXX app, and the person identified himself as XXXX XXXX XXXX XXXX ( email : XXXX, phone : XXXX ). Another individual involved was XXXX XXXX, to whom I also sent money. We discussed a vehicle I was interested in, and I was sent what appeared to be official documents from the XXXXXXXX XXXX XXXX XXXX After being convinced it was legitimate, I sent an initial payment of {$1400.00} on XX/XX/XXXX. The scammers then claimed there were multiple unexpected fees including a {$600.00} delivery issue, a {$1200.00} insurance fee, and later a {$2500.00} emissions fee all supposedly required to complete the vehicle delivery. Each time, I was assured that the money would be refunded upon delivery. After repeated demands and pressure, I made several payments totaling {$5100.00}. To add to this after the first payment they provided me shipping information and tracking number with vin, weight and shipping updates. Every time they asked for money they would say this shipment is on hold and to pay quicker to receive car faster. The shipping company was XXXXXXXX XXXX XXXX XXXX. The scammers later requested additional money, including {$1200.00} for a loading/unloading fee, and instructed me to send funds through a suspicious cryptocurrency app. When I researched the app, I found multiple reviews warning that it was operated by scammers. At that point, I realized I had been defrauded. I have since ceased communication with the individuals and plan to contact both my bank and local police department to report the incident and attempt to recover my funds. Suspect information : Name : XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Associated name : XXXX XXXX XXXX XXXX XXXX Platform : XXXX account XXXX  XXXX XXXX XXXX XXXX : {$5100.00} Date of first payment : XX/XX/year> Payment methods : XXXX XXXX different bank accounts I made a police report, a fbi claim, and a bank claim the bank denied my claim and only provided me {$450.00} and denied the rest and the police department assigned me a detective and told me she has no jurisdiction because he lives in XXXX  XXXX I am going to reopen a claim with my bank because I am a college student next year and this money I worked hard for this money and it has been taken from me due to this unfortunate fraudulent transaction. This is my last hope.

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 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting this statement to dispute a rental collection in the amount of {$10000.00} placed by XXXX XXXX XXXX XXXX related to the lease at XXXX XXXX XXXX. 

At the time of the alleged debt, there was an active restraining order that legally prevented one leaseholder from entering the residence or having direct contact with the other party. This restriction was communicated to the leasing office. Despite this, the leasing office repeatedly insisted the matter be resolved directly between the parties, which was not legally possible.

The unit had serious habitability issues that were reported multiple times and were not repaired. Additionally, the leasing office retained the security deposit despite the unresolved conditions and circumstances described above.

An attempt was also made to dispute this {$10000.00} collection account through the credit bureaus ; however, no assistance or resolution was provided.

Due to the restraining order, uninhabitable living conditions, retention of the security deposit, and lack of cooperation from property management, this collection was improperly placed and does not accurately reflect the facts or legal circumstances involved.

I respectfully request that this account be re-investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Credit Services Inc.
State: LA

Complaint narrative:
The cease communication letter was sent on XXXX XXXX via certified mail and entered the recipients mail stream at the companys address. Additional copies were fully delivered to associated collection entities. Despite this, First Credit Services continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX failure to properly investigate, verify, and substantiate a personal loan account they are reporting under my name, which is negatively impacting my credit reports with XXXX, XXXX, and XXXX. 

Account Number : XXXX Reported Balance : {$2300.00} Status Reported : Open, 60 days past due Last Reported : XX/XX/year> XXXX XXXX  is reporting this account as having multiple late payments and claims the loan was originated online. However, despite my repeated requests, XXXX XXXX has failed to provide documentation proving that I personally opened, agreed to, or authorized this account, or that the reported late payments are accurate. 

PRIOR CONTACT & FAILURE TO RESPOND On Tuesday, XX/XX/year>, at XXXXXXXX XXXX, I sent a written email to XXXX XXXX requesting documentation related to this account. 

I have retained copies and records of this correspondence. 

I also made multiple follow-up phone calls requesting the same information. 

Despite these good-faith efforts, XXXX XXXX failed to provide the requested documentation or meaningful responses. 

DOCUMENTATION REQUESTED BUT NOT PROVIDED I specifically requested documentation to substantiate XXXX XXXX claim that this loan was opened by me online, including : The original loan application Proof of electronic signature IP address ( es ), timestamps, and authentication data Identity verification used at origination Complete payment history Proof of funds disbursement Documentation authorizing XXXX XXXX to furnish this account to the credit bureaus To date, XXXX XXXX has not furnished this information, yet continues to report the account as verified and delinquent. 

LEGAL CONCERNS XXXX XXXX actions raise serious concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to : Conduct a reasonable investigation of disputed information Correct or delete information that can not be verified Refrain from reporting information as accurate without proper documentation Continuing to report this account without providing proof of obligation or accuracy is misleading, harmful, and potentially unlawful.

I am submitting this complaint on my own behalf, without the assistance of any third party, credit repair organization, or attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: MD

Complaint narrative:
company promoted a XXXX $ credit to apply for the card during an airline purchase. i logged in around 1 week later to pay the bill and did not see my credit. i called the company to inform them i did note see my XXXX $ credit. they stated to wait a few weeks and it will post. in the meantime, i paid the balance of the card minus the XXXX $ anticipated credit. i logged in a week or so later and noticed a credit of XXXX . i called the company to inform them they had only credited XXXX , not XXXX . after approximately 8-10 calls later over the next few weeks, there was no progress in getting this corrected. i filed a complaint with the and wrote a letter ( as requested ) explaining the problem. they closed the case in XXXX, issuing me a report with lots of false information on it, including that i made a payment in XXXX ( which i did not ). i spoke with a supervisor who verified these false claims and opened a new case. i am currently awaiting proof not that there was no promotion, but that they changed it from XXXX $ to XXXX $ when i made the purchase. they are stating they have difficulty getting this from the marketing department. meanwhile, i have maintained an XXXX credit score for over a decade and they reported a 60 day late, which took my score down to XXXX i am hoping this reporting will rectify this and force them to report an error on my credit report. wells fargo is the company.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Inquiry Regarding Wire Return - Previous CFPB Case # XXXX I am writing to follow up on a wire transfer that was sent in error ( Due to Hacking attempt ) from XXXXXXXX XXXX XXXX XXXX to an account at Fifth Third Bank. 

XXXX XXXX  has formally initiated a Recall Request for these funds. Accordingly, a complaint has been filed with your institution under reference number : XXXX. 
As per Fifth Third Bank 's requirement to process the reversal, we have already provided the requested Letter of Indemnity ( LOI ). However, we have yet to receive a confirmation regarding the status of the return or an estimated timeframe for when the funds will be credited back to the originating account. 
Could you please provide an update on the status of this case and confirm that all necessary documentation has been processed? 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I was reported as delinquent on my student loans on XX/XX/ when I was in forebeafance. I have been on forebearance per the government since before Covid. I was not responsible for any payments while on forebearance. I even tried to get out of foreberance to start making payments and they would not allow it. Then, out of nowhere I got an email from Edfinancial on XX/XX/XXXX  stating I had {$1600.00} due and I had been delinquent on my student loans for 120 days. However, even if this was true, I never received any notification of my payment due when it was supposedly due initially, on the contrary as stated above, they told me I was in foreberance and they couldnt take me out. Then my XXXX XXXX sends me an email stating I have been reported as delinquent on my payments and my credit score went down by XXXX points! I am trying to refinance my home and about to have a XXXX  and this is ridiculous. Every time I call edfinancial to ask them to fix their mistake, they say they will and nothing gets done because my cred it score is still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature If not. please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I received a gift card, after activating it, it rejected charges. I called them and they said they would send me a replacement card. That card also doesnt work. I asked for a refund and I am now told that it will be several weeks with no real way to check on the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
To Whom It May Concern, I am formally requesting the immediate deletion of the Zion Debt Holdings ( ZionsDebtHol ) tradeline currently appearing on my consumer credit reports. This account is fraudulent and the result of identity theft. 

XXXX  has formally notified me that I am a victim of fraud in connection with this account. In addition, a complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) confirms that the company acknowledged there may be potential fraud involved. Please see the attached documentation titled Fraud Zion XXXX, which reflects both the fraud determination and CFPB findings. 

I did not open, authorize, or benefit from any account associated with Zion Debt Holdings, nor did I enter into any agreement with the original creditor referenced in connection with this alleged debt. Any reporting of this account as mine is inaccurate and unlawful. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and remove information resulting from identity theft once proper documentation is provided. Continued reporting of this account after notice of fraud violates the FCRAs accuracy and blocking requirements. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not continue to report information it knows or has reasonable cause to believe is inaccurate. 

I am therefore requesting the following resolution : Immediate and permanent deletion of the Zion Debt Holdings tradeline from XXXX XXXX  and XXXX  Written confirmation that the account has been removed and will not be reinserted Confirmation that I am not responsible for any balance, fees, interest, or negative reporting related to this fraudulent account, now or in the future The continued presence of this tradeline causes ongoing harm to my credit and does not reflect my true credit obligations. Please ensure this matter is resolved promptly and in full compliance with federal consumer protection laws.

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: WV

Complaint narrative:
Beginning of XXXX I was sent a new XXXX debit card due to mine expiring. They asked me for an original birth certificate and Social Security. I have sent it via email over ten times and in the mail once. Every time I call they have me on hold for over 3 hours, no exaggeration. My social worker here is named XXXX and he has sat with me and we have called them and they keep stating to send the same stuff in and that they dont know what is going on and that we can keep calling back. I told them I need it turned back on so I can pay my rent and go back to my home as I no longer need a XXXX XXXX facility but they did not care. I have now been evicted due to non payment. XXXX knows this and does not care either. All I need is my new card activated. I have tried everything under the sun and then some.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Financial Institution : Navy Federal Credit Union Related Case Number : XXXX I am filing a complaint regarding Navy Federal Credit Unions handling of a debit card error under Regulation E ( 12 CFR 1005.11 ), specifically its refusal to issue provisional credit during an active investigation. 

I was charged {$500.00} by XXXX XXXX for alleged vehicle damage. XXXX later provided written confirmation that no damage was found and no fee applies, and that the charge should be refunded. Despite this, the {$500.00} debit remains fully posted to my account and no refund has been issued. 

I contacted Navy Federal and a new Regulation E claim was opened for this transaction. However, the supervising representative ( XXXX XXXX refused to issue provisional credit. She stated that she does not authorize provisional credit, that Regulation E is effectively no different from a previously closed dispute, and that there was no one in the disputes department above her that I could speak with regarding provisional credit. 

Navy Federal did not state that the investigation would be completed within 10 business days, did not identify any applicable Regulation E exception when asked, and did not require additional written confirmation from me. The refusal of provisional credit was not based on any of the exceptions permitted under 12 CFR 1005.11 ( c ).

Regulation E requires a financial institution to provide provisional credit when an investigation into a reported error is not completed within 10 business days, unless a specific regulatory exception applies. Navy Federal has refused provisional credit while the claim is open and under investigation, without citing any such exception. 

Additionally, I was told there was no escalation path beyond this supervisor, effectively preventing review by disputes compliance or management. 

I am requesting that the CFPB require Navy Federal Credit Union to : Comply with Regulation Es provisional credit requirements during the pendency of this investigation, or Provide a written determination citing the specific Regulation E provision relied upon to deny provisional credit. 

Navy Federals refusal to provide provisional credit during an active Regulation E investigation appears to be a failure to comply with 12 CFR 1005.11.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief