vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple deceptive and unfair practices during the sale of a used vehicle. The dealership misrepresented the vehicles condition, concealed known defects, and engaged in conduct that violates the FTC Acts prohibitions on deceptive sales practices.

1. Misrepresentation of Vehicle Condition The dealership advertised and verbally represented the vehicle as being in good working condition with no major issues. Immediately after purchase, I discovered significant mechanical and safety defects that were not disclosed, including issues that would have been obvious to the dealer during inspection. These defects materially affect the safety, value, and usability of the vehicle. They delivered the vehicle to me on the evening of XX/XX/XXXX. About an hour after receiving it, I attempted to take it out for a drive. Not even XXXX miles in, the engine was overheating and I was instructed to pull over immediately and contact roadside assistance. I called the dealership and had it towed back that same night. They handed it off to an external mechanic. I made contact with this mechanic on XX/XX/XXXX, and they informed me that they would have to tend to a coolant system failure, a blown head gasket, and a timing belt issue. I was promised that I would be given a loaner in the meantime by the dealership. To this day, Ive still yet to receive a loaner, and update on the vehicle, or a cancellation of the sale.

2. Failure to Disclose Known Defects The dealership failed to disclose problems that should have been revealed during a proper inspection. The defects were severe enough that no reasonable dealer could have missed them. This constitutes a deceptive omission.

3. Deceptive Sales and Documentation Practices The dealership used highpressure tactics and rushed paperwork, and key information about the vehicles condition and history was not provided before signing. Certain fees and terms were not clearly disclosed, and the dealerships representations did not match the actual condition of the vehicle delivered. 

XXXX. Unfair XXXX Practices The dealerships conduct caused financial harm, safety risk, and significant inconvenience. Their refusal to address the issues after the sale further demonstrates a pattern of unfair practices. 

I request that the CFPB investigate Mega Auto Outlet for : Deceptive advertising Misrepresentation of vehicle condition Failure to disclose material defects Unfair and abusive sales practices I am also submitting related complaints to the Virginia Attorney General, Virginia XXXX XXXX XXXX XXXX ( XXXX ), the Better Business Bureau, and the FTC to ensure all relevant agencies are aware of the pattern of misconduct. 

I can provide documentation, communications, and evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 XXXX XXXX XXXX - XXXX 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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Airtm Inc.

Complaint narrative:
Hi i withdraw XXXX usd from XXXX to Airtm. Airtm has blocked my account after it received amount from XXXX. Around XXXX inr is there in Airtm account. They block my account without any reason, I'm able to access my Airtm account but I'm not able to withdraw my Airtm account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
This is the money paragraph. Calm, factual, chronological. No insults, no legal threats, no vibes. You want it to read like something a regulator can quote without editing. 

You can copy-paste something very close to this. Tweak dates if needed. 


-- - Draft CFPB description : On XX/XX/XXXX at XXXX XXXX, I received an email from Robinhood stating that my XXXX tax documents ( 1099 forms ) were available for download. When I attempted to log in to my account to retrieve these documents, I was denied access and forced into repeated identity verification flows that I could not complete. 

Robinhood required verification using a phone number that I no longer have access to, then required verification through a linked bank account that I previously closed, and finally required biometric verification via a selfie. I do not consent to providing biometric data and declined this option. No alternative verification methods were offered. 

I contacted Robinhood support multiple times by email explaining that I still have full access to the original email address associated with the account, which Robinhood themselves used to notify me that the tax documents were ready. Despite this, Robinhood repeatedly refused to provide the tax documents by secure email or any other reasonable method, and instead directed me back to login and support options that require the same unavailable or unwanted verification steps. 

As a result, I am completely unable to access my legally required tax documents despite repeated good-faith attempts to resolve the issue. Robinhood has effectively denied me access to my own financial records and has provided no functional support channel to resolve this. Their email has deliberately stonewalled me from every step given their responses have said the same thing repeatedly despite me explaining those steps don't work. 

I have retained screenshots and email correspondence documenting each failed verification attempt and Robinhoods responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Self Financial Inc.
State: IL

Complaint narrative:
Complaint summary Self Financial closed my account after a verification review and is withholding my payout without providing a clear resolution timeline or a reasonable opportunity to complete verification. I am requesting immediate release of my funds via electronic deposit. 



What happened I held a XXXX XXXX  account with Self Financial , Inc. After making all required payments, my account reflected a payout owed to me.

Self informed me that during a routine regulatory review, some information on my account was unverifiable and that they were discontinuing my service. Self stated that any payout owed to me may be frozen during their review and that funds would be released once the review is complete. However, they refused to specify what information was unverifiable, refused to provide a timeline for completing the review, and have not released my funds. 

I have made multiple attempts to resolve this matter by contacting customer support and complying with all requests. Despite this, my payout remains frozen indefinitely. I have also attempted to update my address in person previously and was refused. 

Self has not alleged fraud, has not stated that my funds are forfeited, and has not provided any legal basis for holding my money indefinitely. Withholding customer funds without a clear resolution process or timeframe is unreasonable and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
RADIUSGLOBAL is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL 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 non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I am disputing a repossession account currently being reported under MERCEDES BENZ FINANCIA as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under XXXX XXXX and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. CXXXXe XXXX ( a ) ( XXXX ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My PayPal account was compromised and used without my authorization to purchase cryptocurrency using funds taken from my linked Bank XXXX XXXX account. I reported the unauthorized transaction on XX/XX/XXXX after receiving a text alert from PayPal regarding unusual activity, at which point I discovered that the unauthorized activity had already been occurring for approximately XXXX week, with the first incident occurring on XX/XX/XXXX. I reported the issue to both PayPal and my bank. Bank XXXX XXXX investigated the matter and refunded the funds within days, confirming that the transaction was fraudulent. 

While following up with PayPal representatives, I was explicitly instructed not to transfer or sell the cryptocurrency and was told that my account balance would be adjusted automatically once the claim was resolved. I followed this guidance. On XX/XX/XXXX, I have a screenshot showing that the cryptocurrency hub balance was {$1200.00} while my PayPal balance was negative {$580.00}, demonstrating that the cryptocurrency value exceeded the negative balance at that time. 

After multiple follow-ups, the claim was closed, but my PayPal account remained locked with a negative balance, and the cryptocurrency was still held. I have since been contacted in attempts to collect the debt, even though the balance resulted from fraudulent activity and not from any action taken by me. 

Due to ongoing concerns about the status of my account, I contacted PayPal again on XX/XX/XXXX and XX/XX/XXXX. Representatives in the PayPal XXXX department advised me that I could now transfer the cryptocurrency, but that I would be responsible for any remaining balance due to a decline in value. This guidance directly contradicted PayPals earlier instructions not to act and was provided only after the cryptocurrency 's value had fallen below the amount needed to cover my PayPal balance. I explained that I should not be held liable for any losses because the cryptocurrency was purchased fraudulently, and I followed PayPals instructions at all times. On both occasions, I was told that a ticket would be submitted for review and provided a response timeframe that has since been exceeded. 

Throughout the month, I have checked my account daily, relying on PayPals assurance that the issue would be resolved automatically. During this time, the cryptocurrency balance continued to decline, and I did not receive any updates or resolution from PayPal. 

As of XX/XX/XXXX, my PayPal balance is negative {$680.00}, and the cryptocurrency hub balance has declined to {$500.00}. I have not accessed or authorized any activity related to either balance beyond following PayPals instructions. The negative balance and the decline in the cryptocurrency value occurred while PayPal was reviewing the matter, and after I was instructed not to take action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a medical collection account that XXXX  is reporting on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Disputed Account Information : Provider / Hospital or Collection Agency : RMP Account Number : XXXX Date First Reported : XX/XX/year> This medical account is inaccurate, unverifiable, and incomplete. Medical providers and collection agencies are restricted in what they may disclose due to HIPAA privacy regulations, which limits XXXX ability to properly verify the legitimacy, accuracy, and ownership of this account. 
I am requesting that XXXX  conduct a full reinvestigation, including verification of : Proof that I have a legal obligation to this debt Proof the balance is accurate after insurance adjustments Proof the account was billed correctly and lawfully Proof the furnisher has authority to report this medical debt Proof the account complies with medicaldebt reporting standards A simple confirmation of name and balance does not constitute proper verification under the FCRA. If XXXX  can not produce complete documentation verifying this account as accurate and reportable, it must be deleted from my credit file. 
Additionally, medical billing commonly involves delayed insurance payments and adjustments. Reporting such accounts without full accuracy causes material harm and violates the requirement that consumer reports reflect maximum possible accuracy. 
If this account can not be fully verified within the timeframe required by law, I am formally requesting immediate deletion from my credit report and written confirmation of the results of your investigation. 
Please note that continued reporting of unverifiable information may constitute noncompliance with FCRA requirements. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Date ] [ Debt Collectors Name ] [ Debt Collection Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Re : Account Number : [ Insert account number if provided ] Dear Sir or Madam, I am writing in response to your communication dated [ insert date of the letter/call ], regarding the alleged debt referenced above. 

This letter is not an acknowledgment of any debt. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : XXXX. The amount of the debt, including an itemized breakdown XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I am legally obligated to pay this debt XXXX. Proof that you are licensed and authorized to collect this debt in my state XXXX. Documentation showing that this debt has not exceeded the statute of limitations Until this information is provided, I request that all collection activities cease, including reporting this debt to any credit reporting agency. 

If you are unable to validate this debt, please remove it from my credit report and notify me in writing. 

Thank you for your cooperation. 

Sincerely, [ Your Full Name ]

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This complaint is a continuation of a prior CFPB complaint ( Complaint ID XXXX ), which was closed after Midland Credit Management submitted an incomplete response. 

Midland Credit Management is attempting to collect and report an alleged debt without providing proof that it owns the account. 

This matter was previously dismissed without prejudice in court due to Midlands failure to demonstrate standing or ownership of the debt. 

I requested validation showing Midlands legal authority to collect and report this account, including proof of ownership and chain of title. In response, Midland provided only a copy of an original creditor agreement and failed to provide any documentation establishing that it owns the debt. 

Providing a contract from a different creditor does not establish Midlands legal right to collect or report this account. 

Despite repeated requests and a prior court dismissal, Midland continues to report the account, which constitutes false representation and inaccurate credit reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding Midland Credit Managements inaccurate and inconsistent credit reporting following a consumer dispute. 

After I disputed the alleged account and requested validation, Midland reported the account as closed with XXXX on XX/XX/year>. However, Midland subsequently furnished updated information to XXXX on XX/XX/year>, after the dispute was already active. 

Reporting an account as closed with XXXX consumer reporting agency while continuing to update or report the same account with another bureau constitutes inconsistent and misleading furnishing of information. XXXX knew or should have known that such contradictory reporting violates its obligations under the Fair Credit Reporting Act. 

Midlands conduct violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is inaccurate or misleading, and FCRA 623 ( b ), which requires a reasonable investigation after notice of a dispute. 

Then XXXX ID : XXXX is not licensed to collect debt in the state of Virginia according to the XXXX consumer access website. Also address on the alleged account summary does not match address on file for the consumer. 

I am requesting that Midland Credit Management deletes this account from all consumer reporting agencies due to inaccurate and inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
Never received anything about the collection. Never proven to be one. I dont even know who its for.

Company response to consumer: Closed with explanation