vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This complaint is regarding Ally Bank and XXXX XXXX. My previous CFPB complaint was closed before the issue was resolved, and Ally has provided inaccurate and incomplete information.

1. Ally took four payments, not five.

Allys response claims they will refund four payments, which is correct. However, the core issue remains unresolved because the buyout was never processed correctly, and XXXX XXXX is still holding me responsible for the vehicle.

2. Ally is attempting to pass my refund to XXXX instead of returning it directly to me. 
This is not acceptable. My payments were made to Ally, not XXXX. Ally is responsible for refunding all four payments directly to me. They can not redirect my refund to another company to fix their own mistake.

3. Ally directed me to contact a random individual with a personal cell phone and a XXXX email address. 
This person is not a XXXX corporate representative, not someone I ever dealt with, and not a legitimate or secure contact. The dealership ( XXXX XXXX ) has been closed for months. I should not be required to contact a private individual to resolve a financial dispute. 
XXXX. The contract Ally funded was based on incorrect and inflated numbers. 
My signed lease buyout paperwork from XXXX XXXX shows the correct buyout amount of {$21000.00}, not {$30000.00}. XXXX XXXX confirmed they never received the payoff. The dealership submitted incorrect paperwork, and Ally funded an invalid contract. 
XXXX. The core issue is still unresolved. 
XXXX XXXX is still showing me as responsible for the vehicle, adding improper fees, and threatening repossession. Ally unwinding the contract does not fix the failed buyout or the damage caused by the dealerships misconduct. 
XXXX. I am requesting the following resolution : Ally refunds all XXXX payments directly to me Ally stops attempting to pass my refund to XXXX Ally coordinates directly with XXXX XXXX to unwind the failed transaction XXXX XXXX removes all improper fees and stops all repossession activity XXXX XXXX corrects my account and allows me to complete the buyout properly using the correct amount of {$21000.00} Both companies correct all negative credit reporting This matter is not resolved, and the previous complaint was closed prematurely. I am requesting a new investigation and full resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC
State: MA

Complaint narrative:
I entered into a high-cost merchant cash advance style agreement with Fundo LLC XXXX Although the company characterizes the transaction as a sale of future receivables, the agreement functions in practice like a loan with fixed repayment expectations, aggressive default provisions, and repeated payment withdrawals. 

Prior to submitting a written request for written-only communication, I received frequent calls and texts demanding payment. After asserting my right to limit communication, the company continued applying pressure through deadlines and payment demands. 

The agreement includes provisions that treat ACH revocation or failed payments as defaults and assess significant fees, which I believe are unfair and misleading. I have attempted to resolve the matter in good faith through written settlement offers, which were rejected in favor of continued pressure to resume payments. 

I am requesting CFPB review of the companys collection practices, fee assessments, and characterization of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is a request for validation of the alleged debt, made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges.

The name and address of the original creditor.

Documentation showing that I am legally obligated to pay this debt.

Copies of any contracts, agreements, or judgments bearing my signature related to this debt.

Proof that your agency is licensed and authorized to collect debts in my state, if applicable. 
Proof that you have the legal right to collect this debt, including assignment or purchase documentation. 
Until this information is provided, please cease all collection activities related to this account. If you are unable to validate the debt, please remove it from your records and notify any credit reporting agencies to which you have reported it. 
This request is not an acknowledgment of liability nor a promise to pay. 
Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a XXXX account that is currently being reported on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681s-2 and 1681c.

I did not use the services associated with this account. The Wi-Fi box provided by XXXX  was never set up, activated, or connected, and therefore I did not receive the service for which I was billed. As a result, the reporting of this account is inaccurate and misleading.

Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information. Additionally, pursuant to 15 U.S.C. 1681s-2 ( b ), upon receipt of a dispute, XXXX  is required to conduct a reasonable investigation, review all relevant information, and correct or delete any information found to be inaccurate or unverifiable. 

Further, under 15 U.S.C. 1681c ( a ), credit reporting agencies may not report inaccurate information. If XXXX is unable to provide competent evidence demonstrating that the service was activated and used, I am requesting immediate deletion of this account from my credit report.

Please complete your investigation within the time frame required by law and provide written confirmation of the results. Failure to correct or delete inaccurate reporting may constitute a violation of the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX bank sent me a whole bunch of mail about {$3000.00} was withdrawn from my account. That I have never opened or don't know. I haven't opened, so I wanted to report this to you guys to report fraudulent.Actions then when you try to call them, they want your social security number, which I was not going to give them they need to be investigated

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 2026-02-10 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: Comerica
State: LA

Complaint narrative:
Someone use my card for a purchase for {$49.00} I filed a dispute about this I also filed a police report then I cancelled the card this happened on XX/XX/XXXX with direct express here is the police report item number XXXX please look into this matter XXXX thanks have a blessed day

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
XXXX XXXX and now XXXX payments or behind trying to catch up car broke had no way to work had to start all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Paypal Holdings, Inc

Complaint narrative:
Unauthorized XXXX of Funds After XXXX Holding Period Without Proof of Financial Loss My PayPal account was previously placed under a permanent restriction. According to PayPal 's policy, my funds were held for a XXXX period to cover any potential buyer disputes. This holding period has now concluded. 

During the XXXX window, I successfully fulfilled all orders and maintained proof of delivery for all transactions. No significant buyer disputes or chargebacks occurred that would justify the loss of my balance. 

On XX/XX/year>, PayPal executed transactions totaling {$2000.00} labeled as " Loss Recovery '' ( Transaction ID : XXXX and XXXX ), effectively clearing my balance to XXXX. 

I contacted PayPal customer service ( XXXX XXXX ) to request an itemized breakdown of the alleged " losses '' they incurred. However, PayPal 's representative explicitly stated, " Unfortunately, no further information is available to share at this time, '' and refused to provide any evidence of actual financial damage. 

I believe this is an arbitrary application of " Liquidated Damages '' for alleged policy violations, rather than a recovery of actual financial loss. Under applicable consumer protection standards, seizing an entire account balance without proving actual damages constitutes an unenforceable penalty. 

Desired Resolution : I request that PayPal provide a full, itemized accounting of the alleged losses. If no such losses can be proven with corresponding buyer dispute records, I demand the immediate return of my funds totaling {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: NH

Complaint narrative:
I am filing a complaint regarding an account that was improperly referred to collections while actively disputed. 

XXXX XXXX XXXX billed me for routine well-child visits after its scheduling staff affirmatively represented that the provider was in-network with XXXX. XXXX later confirmed that claim processing was blocked due to missing or lapsed credentialing documentation on the provider/hospital side, not due to coverage denial. 

I formally disputed the charges and was actively working with both XXXX and XXXX to resolve the credentialing issue. Despite this, XXXX referred one of the disputed accounts to collections. 

Referring a disputed debt to collections before resolving the underlying billing error is inappropriate and harmful. I am requesting immediate recall of the account from collections, confirmation that no negative credit reporting has occurred ( or correction if it has ), and written confirmation that collection activity has ceased. 

This dispute is ongoing, and the charges are the result of administrative and credentialing failures by the provider, not patient responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX, as I was sitting at home, I got a notification on my Chime Banking app that I had a new balance. Since I hadn't spent any money for several days, I was definitely concerned, so I immediately opened up my app. I discovered that there was a pending charge to XXXX com for {$300.00} and some change. Seeing that that is half of my monthly fixed income ( I'm on XXXX ), I called Chime Customer Service right away to stop the charge. When I got a hold of an agent, I was informed that they can't stop the charge, but I could call back after it posted to get it resolved. Not happy about it, I hung up, cancelled my card, and ordered a new one. When I called back the next day, after the charge posted for {$250.00}, I filed a claim XXXX told that if approved, I would have a credit for the amount within 10 days, and that it could take up to 90 days for it to be resolved. I hung up hopeful. Imagine my surprise when, a couple days later, I received notification that they wouldn't be refunding me. I called immediately to try and talk to someone and was told that there is no manager I could talk to and I would have to file a police report to reopen the case. So, I did. And as soon as I got done doing that, I called Chime back to submit my police report number and reopen the investigation into my stolen money. I got the same spiel about the credit and 90 day waiting, and once again, just a couple days later, my claim was denied. It seems they have decided that they aren't at fault, while also recognizing that I'm not, so therefore aren't responsible for using their insurance, that they have for a reason, to reimburse me for the ONLY income I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AmeriHome Mortgage Company, LLC
State: AL

Complaint narrative:
My loan opened on XX/XX/XXXX, and though I only had 10 % down at time of closing I am now at 74 % on my mortgage. I reached the 74 % with the first servicer, XXXX whom refused to remove on XX/XX/XXXX or send for for request or address to submit as they were in the process of transferring and would have to contact the new servicer. Then the next day XX/XX/XXXX they transferred my mortgage to Amerihome. Amerihome on XX/XX/XXXX stated they had no access to assist with my account until XX/XX/XXXX, during the same time frame I was unable to request with them the removal of PMI nor could I make a payment or access my account. I finally was able to view my account on XX/XX/XXXX and confirmed the balance was at 74 % still with PMI. On XXXX I was finally able to speak with someone, XXXX, whom told me I had to wait two years from my loan opening to remove PMI regardless of how much I pay ahead. I advised the representative they were incorrect and wanted to remove my PMI as I am now 1 month in of trying to have it removed, was advised again that I had to wait 2 years and would have to get my home appraised. I advised again they had to remove and she put me on hold for several minutes, came back and said I had to provide in writing my request and had to fill out their form and asked if email or regular mail, I requested email and said she would send me the request form, which was not sent, I then spoke with a supervisor who stated it would take up to 30 days to process once they receive back and said he would send after I stated I did not receive the request form, and as of today I still have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Experian , as a consumer reporting agency, block all information on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receipt of this complaint.

All disputed accounts, including collections, late payments, charge-offs, and hard inquiries, have been previously identified in written disputes and are supported by a Federal Trade Commission Identity Theft Report, which is attached. 

The accounts listed are not mine and are the result of identity theft and fraudulent activity. 

Attached is my FTC Identity Theft Report ( Report Number : XXXX ), issued by the United States Federal Trade Commission, which serves as legal proof that the aforementioned accounts, collections, and inquiries were fraudulently obtained. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal and permanent blocking of all fraudulent information from my consumer credit report. I further demand that all collection activity related to these fraudulent accounts cease immediately, as continued reporting or collection would constitute unlawful conduct.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Creditor says I owe XXXX, not sure of dates for XXXX XXXX l, a deposit should of have been applied to the balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Resurgent Capital Services is attempting to collect a debt it claims is owed to LVNV Funding LLC for an account originally issued by XXXX XXXX. XXXX XXXX XXXX has sent repeated pre legal notices implying escalation to legal review. 

I dispute the validity and accuracy of this debt and requested validation, including proof of LVNV Funding LLC ownership, the original contract establishing any obligation, an itemized accounting of the balance, and documentation showing that Resurgent Capital Services and XXXX XXXX XXXX are authorized to collect on behalf of the owner. 

Despite this request, collection pressure continues using pre legal language without providing the required documentation. The use of legal escalation language without validation is misleading and misrepresents the status of the account. 

I am requesting that collection activity cease until proper validation is provided and that inaccurate or misleading representations about legal action stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
As of XX/XX/XXXX I have won disputes that were filed on XX/XX/XXXX. My account was credited back for the disputed transactions as permanent credit. Navy federal investigated these claims for over 90 days. After they closed in my favor, my account was frozen and navy federal is refusing access to my funds because they allegedly have to investigate these claims further after they've been closed and credited. Navy federal states there is no time frame for them to do this pointless investigation so they can withhold my money without any cause indefinitely. I was told there is nothing that I can do and no one else I can speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: NV

Complaint narrative:
My account was sold/transferred twice, due to a charge off from XXXX Account and was sold to XXXX then Gurstal Law firm. 
When calling XXXX account they notified me at the time it was sold/transferred to Agency named Gurstel Law Firm and thats the third party I went through to take care of the bill. 
I got surveyed and paid the balance, with Agency Gurstel Law Firm, The Upgrade account is still showing a balance of XXXX I have proof of payment of settlement. 

When contacting Upgrade Account, having a BALANCE still due and being inaccurate, the representative keeps on giving me XXXX Number to settle the debt, and XXXX is saying they transferred the debt to Gurstel Law Firm to contact them, Gurstel law Firm says my case is closed and contact the original creditor, I keep getting run- arounds and no solutions being made. I Also been disputing this with all credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account is now closed and the bank is holding my present funds that I need mailed to me immediately not in XXXX days these funds are my XXXX deposits I am a victim of elder abuse financially my phone service has been disconnected because of no funds to pay the bill I have a medical emergency that requires me to purchase the items that my insurance will not cover I need my funds mailed right away I am a XXXX old female and need my funds right away Thank you Respectfully 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 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest account : XXXX, paid in full on XX/XX/year> and refunded a monthly payment that was made in XXXX. Bridgecrest sent me a letter stating that is paid in full and then submitted a XXXX late payment to credit bureaus. i called them XXXX times and they said it will take XXXX days for it reflect on my credit report. it lowered my scores by XXXX pts. i asked them if there was quicker way to report the dispute considering i am closing on a house this week and it's affecting the closing date. I'm requesting immediate correction through XXXX XXXX and removal of the late payment. I contacted XXXX and XXXX  to dispute them.

Company response to consumer: Closed with explanation