vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Caribou Financial, Inc.
State: SC

Complaint narrative:
I submitted cancellation for my service contract and XXXX insurance XX/XX/year>. I was told by numerous agents that a check was mailed out on XX/XX/year> to XXXX XXXX XXXX XXXX which on XX/XX/year> was a lie. an agent stated that there has not been any check mailed out because my application for what ever reason was still pending process. The agent stated that prior agent never left a message to have a supervisor to contact me to see why my refund has not been process. the timeline of 6-8 weeks is un heard of because I have received refund checks within XXXX weeks of processing. There is some funny shady things going on and i'm not sure why Caribou agents would say a check was sent out on XX/XX/year> when the agent today XX/XX/year> told me it is still processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am a victim of identity theft and have submitted a valid Identity Theft Report under the Fair Credit Reporting Act ( FCRA ), including a police report from the XXXX XXXX XXXX XXXX ( Report # XXXX ) and an FTC Identity Theft Report. Despite receiving this documentation, the company has already conducted an investigation and improperly concluded that the account is valid and that I am responsible for the debt. This determination is incorrect and reflects a failure to comply with federal law. The account in question was opened fraudulently without my knowledge, authorization, or consent. I have never entered into any agreement for this account, nor have I benefited from it in any way. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), once a consumer submits a valid Identity Theft Report, the company is required to block and cease reporting of any information resulting from identity theft within XXXX business days. There is no provision allowing the company to simply verify fraudulent information and continue reporting it. Additionally, the companys actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), including : Continuing to collect on a debt that is disputed as fraudulent Misrepresenting the character and legal status of the debt Failing to properly investigate identity theft claims Despite being provided with all required documentation, the company continues to report and/or attempt to collect on this fraudulent account, causing ongoing damage to my credit and financial standing.

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 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding the servicing and collection practices of GoodLeap, LLC related to a solar loan account. The primary borrower on this account, XXXX XXXX, passed away. GoodLeap has received and confirmed the death certificate. Despite this, the company continues to send communications addressed to the deceased borrower. Following the loss of the primary income in the household, I proactively contacted GoodLeap to request hardship or bereavement assistance in order to avoid delinquency. I was explicitly informed that no assistance or review could be provided unless the account first became delinquent. I continued making payments for as long as financially possible. Once I was no longer able to continue, I again requested assistance. At that point, the company began offering assistance programs, including options with no initial payment, which contradicts their earlier statements that no review was possible without payment. In addition, GoodLeap has engaged in concerning collection practices : - A representative came to my residence and spoke with my son, who is not a borrower on the account. During that interaction, the representative referenced potential legal action if the account was not brought current. - This disclosure of debt-related information to a third party caused XXXX and was inappropriate. - The company has continued to send repeated text messages requesting payment authorization via informal methods ( such as replying with a ZIP code or YES ), which appear designed to obtain consent for payment without providing full terms in advance. - I have formally requested that all communication be conducted in writing and that no in-person contact occur. Despite this, a field visit still took place. - The company continues to use automated communications addressed to the deceased borrower, which is distressing and reflects poor account handling. Throughout this process, I have made good-faith efforts to communicate, avoid delinquency, and request assistance. However, the company has been inconsistent in its representations and has applied pressure tactics rather than providing meaningful support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I called on Friday XX/XX/year> explain what I needed I was told in XXXX hours I should receive it, I have not received anything by email per conversation. I called yesterday morning on XX/XX/year> I was told it should be in my email by the evening. Nothing,. I called this morning XX/XX/year> I was placed on hold I was told it should be in my email by XXXX XXXX or XXXX XXXX it is now XXXX XXXX I waited long enough. They took my truck from XXXX XXXX the day I made arrangements to retrieve my property so I was not fortunate to get my items until days later not only that they took out what they wanted and I went through levels of contacts still up until yesterday morning to schedule a appointment to retrieve the rest of my items, my appointment is Friday @ XXXX XXXX. Even after they took the truck I had to call to speak with the executive office to arrange to find the vehicle to return my properties. My plates were destroyed I need proof to email to XXXX. They also did not help me stay in my truck after telling them months ahead I was having financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am filing this complaint regarding a delay in processing refund funds related to canceled vehicle service contracts. I canceled both my XXXX coverage and vehicle service contract, and the refunds were issued on XX/XX/year>. I was informed that it typically takes XXXX weeks for these funds to be processed and applied to my loan. It has now been over XXXX days, and the funds have still not been applied to my loan balance. After following up, I confirmed with Ally Financial that they are waiting on the dealership, XXXX XXXX XXXX in XXXXXXXX XXXX to process and forward the refund. This indicates that the delay is occurring at the dealership level. I have attempted to contact the dealership multiple times, but I have not received a clear update or resolution. Their finance department has been difficult to reach, and no progress has been made despite the significant delay. This situation is directly impacting my loan balance and preventing me from moving forward with financial decisions, including refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing a complaint regarding a cleared check for {$1800.00} that was processed through Wells Fargo as the bank of first deposit, but the funds were not applied to the intended account. On XX/XX/scrub>, 2026, a balance transfer check for {$1800.00} was issued by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX ( XXXX XXXX ). Check details : Amount : {$1800.00} Check serial number : XXXX Date cleared : XX/XX/year> Originating bank : XXXX XXXX XXXX XXXX XXXX XXXX confirmed that the check was cashed and provided the cleared check image and trace information. I contacted XXXX XXXX ( XXXX XXXX issuer ), and after investigation, they informed me by phone that the check was processed through Wells Fargo as the bank of first deposit. However, the payment was never applied to my account. Because the check has cleared, the funds must exist within the banking system. I am requesting Wells Fargo to identify where this check was deposited ( account, lockbox, or processing system ) and assist in returning or rerouting the funds to the correct institution.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

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 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am filing this complaint regarding my XXXX XXXX XXXX account serviced by Synchrony Bank. I have made multiple good-faith attempts to make a payment on my account using my checking account, which has been successfully used for years and remains valid and active. Recently, when attempting to make a payment, I began receiving the error message : The information you entered is not a valid account. I have confirmed directly with my financial institution that my account and routing numbers are correct and fully functional. I also use this same bank account successfully to make payments on another Synchrony account, which confirms the account is valid and not the issue. I have taken the following steps to resolve this issue : - Re-entered my bank account information multiple times- Removed and re-added the account - Contacted customer service on multiple occasions- Had representatives attempt to enter the information on their end - open multiple disputes and they were closed without notice. Despite these efforts, Synchrony representatives were also unable to process the payment and received a bank account not found or similar error. No clear explanation has been provided, and I have not been given a reliable alternative method to make my payment. This situation is preventing me from fulfilling my obligation to pay my account and puts me at risk of late fees, penalties, and negative credit reporting through no fault of my own.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am filing this complaint against Truist Bank for failing XXXX properly investigate an unauthorized electronic fund transfer of {$500.00} at XXXX on XX/XX/year>. My home computer was compromised in an Account Takeover ( ATO ). The unauthorized party used my stored credentials XXXX buy a {$500.00} XXXX XXXX XXXX and a tube of toothpaste. While the physical item was addressed XXXX me, the {$500.00} digital gift card was sent XXXX a XXXX party email address that wasnt mine. Evidence of Truists Failure : Contradictory Actions : On the same day, Truist successfully flagged XXXX blocked XXXX other unauthorized attempts ( {$14000.00} XXXX another {$500.00} ). Truist is acknowledging fraud existed on my account while simultaneously denying the XXXX {$500.00} charge that slipped through. Merchant Confirmation : XXXX has since flagged the transaction as fraud XXXX closed my account. XXXX confirms the digital goods were sent XXXX an email I do not own. XXXX XXXX of XXXX : Truist denied my claim because " info matched the source. '' They are refusing XXXX look at the delivery destination. They told me XXXX get proof from XXXX myself, which is a violation of Regulation XXXX ( XXXX XXXX XXXX ), which places the burden of investigation on the bank.

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 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: WI

Complaint narrative:
On XX/XX/year> I opened a XXXX account for a ex boyfriend who needed a phone and promised to pay for the phone service and billing. it was such an foolish idea because They never decided to pay and eventually everything settled back onto me and ruining my credit. I was charged {$1100.00} for the account closing and on XX/XX/year> an additional charge of {$59.00} was affected to my credit. I have no ways to pay back the entire XXXX or XXXX. As I work part time but barely enough to make the full payment of {$1100.00} Im writing this appeal so I can get the report off my credit and get my credit back in good standing.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

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 ) XXXX, 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 XXXX 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 non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. This account is being reported on my Experian credit report as an active collection in the amount of {$800.00}. I dispute the accuracy and legality of this reporting. I never received proper written validation of this debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have not been provided with documentation showing : A signed agreement creating the alleged obligation. Proof that the collection agency has authority to collect. A complete itemized accounting of the amount claimed. Evidence that the amount is accurate and legally owed. Despite this, the account continues to be reported as verified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), once a debt is disputed, the furnisher is required to conduct a reasonable investigation and report accurate information. Reporting unverified or inaccurate information violates 15 U.S.C. 1681e ( b ) and 1681i. Additionally, under Florida law, Florida Statute 559.72 ( 9 ) ( Florida Consumer Collection Practices Act ), a person may not claim, attempt, or threaten to enforce a debt when such person knows that the debt is not legitimate, or assert the existence of some legal right when such person knows that the right does not exist. The continued reporting of this account without providing proper validation constitutes improper collection activity and inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

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 ) XXXX, 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 XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX account was compromised. A fraudster used my debit card, without my authorization, XXXX send {$820.00} through XXXX XXXX a merchant I have no connection XXXX. I immediately reported this to SchoolsFirst Federal Credit Union as an unauthorized electronic fund transfer. Although the bank initially filed it as unauthorized, XXXX incorrectly labeled the transaction as a XXXX XXXX XXXXXXXX payment. Because of this misclassification, the bank treated the transfer as an authorized XXXX payment instead of fraud. Under Regulation XXXX, a transfer is unauthorized if it was initiated by someone other than the consumer XXXX the consumer received no benefit, even if a digital wallet or XXXX service was used. XXXX internal policy does not override federal law. Despite this, on XX/XX/XXXX, XXXX XXXX reversed the provisional credit XXXX held me responsible for the loss. I believe this denial does not comply with Regulation XXXX requirements for unauthorized electronic fund transfers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: AL

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
I had filed a complaint regarding this issue prior in XXXX. There was never a satisfactory response or resolution. Since XXXX the company attempting to collect has changed to XXXX XXXX. That communication occurred on XX/XX/XXXX. Just as occurred in XXXX I recieved a telephone call from XXXX stating I owed a debt they were attempting to collect and resolve. And the amount demanded was {$5400.00} for a company named ZOCA LOANS. As I told them, I do not have any records indicating any transactions with a company of that name. This debt was supposedly initiated in XX/XX/XXXX & subsequently written off in XXXX of XXXX. I have never received the requested supporting documents. The total due according to XXXX is {$5400.00} which sounds like nothing I ever engaged in. Being that this is a XXXX attempt at what I believe is a scam, I have recontacted CFPB.

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