vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX is knowingly furnishing, collecting, and defending a debt that its own records prove is not capable of verification. This is no longer a billing dispute. It is a demonstrated failure of furnishing accuracy, accounting integrity, and UCC compliance. Toyotas response to this complaint confirms the violations. 1. Toyota submitted two official documents to the CFPB that state different principal balances for the same loan and time period : {$30000.00} ( Redemption Notice XX/XX/year> ) {$30000.00} ( Deficiency Calculation XX/XX/year> ) Toyota offers no reconciliation, no explanation, and no correction. A furnisher that can not state the correct principal balance can not legally verify, report, or collect the debt. Continued reporting under these conditions is per se inaccurate. 2. Toyotas own ledger shows multiple loan balance increases after payments, after repossession, and after charge-off. A simple-interest retail installment contract does not permit principal increases absent a new advance. Toyota identifies no contractual authority, no consumer authorization, and no lawful basis for re-inflating principal. This is not an accounting error it is balance manipulation. Any balance derived from these entries is void and unreliable. 3. Toyota reversed multiple consumer payments ( {$400.00}, {$500.00}, {$770.00}, {$1000.00} ) without producing proof of returned funds, NSF notices, or bank documentation. Reporting reversals without evidence constitutes false payment history. A furnisher can not create delinquency or deficiency by reversing payments it can not prove were returned. This violates the core accuracy requirements of the FCRA. 4. Toyota claims a private repossession sale but failed to produce a single document demonstrating commercial reasonableness, including : Advertising or sale notice Bid logs or auction data Buyer identity Vehicle condition or valuation Sale methodology Under UCC 9-626, Toyota bears the burden of proof. It has failed. As a result, the alleged deficiency is legally unenforceable. 5. Despite clear internal contradictions and missing proof, Toyota continues to : Furnish derogatory credit data Demand payment on an unverified balance Represent the deficiency as valid This conduct is willful, not accidental. Toyota has been given notice of the defects and has chosen to continue reporting anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: IN

Complaint narrative:
I am writing to formally dispute the debt currently being collected by January Technologies , Inc. regarding an alleged XXXX XXXX XXXX account ending in XXXX & XXXX for the amount of XXXX & XXXX I am requesting full verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am disputing this because I have not been provided with : 1. A complete breakdown of the principal balance, interest, and any fees added. 2. Proof that January Technologies , Inc. has the legal authority to collect this specific debt. 3. A copy of the original signed contract or cardmember agreement associated with this account. Until this debt is fully validated with the documentation mentioned above, I request that the company cease all collection activities and ensure this information Remove From My CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
XX/XX/XXXX I got a car from a not so reputable dealership, also got an extended warranty which I canceled almost immediately because no one honored it except the shady dealership, so I then go to the finance company to have it canceled. XXXX for the full amount. I can verify that XXXX was returned to the account. However since that time I have pestered the company for proof of the XXXX being returned to my account. As my loan amount wouldve changed because it was applied to the principal. Which is the only thing they will tell me. XXXX is a lot of money and it not being accounted for is a problem for me. I really just want proof. Proof they are unwilling to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a collection account that is currently being reported on my credit report by Jefferson Capital Systems LLC. Account Name : Jefferson Capital Systems LLC Reported Balance : {$1800.00} Date Reported : XX/XX/2026 This account is inaccurate and fraudulent. I have not had an account with XXXX XXXX for over XXXX years, and I did not authorize or open any account that would result in this collection being reported. Additionally, the report does not list an original creditor, which raises further concerns regarding the accuracy and validity of this debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be properly investigated and verified. If Jefferson Capital Systems LLC can not provide documented proof that this account belongs to meincluding the original contract with my signature, full account history, and proof of ownership of the alleged debtthen this account must be removed immediately from my credit file. Please conduct a full investigation and provide written confirmation of the results. If this account can not be verified as accurate and belonging to me, I request that it be permanently deleted from my credit report. I expect a response within the timeframe required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding a charged-off account that is being reported on my credit report. I believe this account is inaccurate and/or can not be properly verified. I have requested that the company investigate and validate the debt, but I have not received sufficient documentation proving that the account information being reported is accurate. The continued reporting of this charged-off account is negatively impacting my credit. Under the Fair Credit Reporting Act, I am requesting that this account be properly investigated and that the company provide verification of the debt. If the account can not be fully verified with accurate documentation, I am requesting that it be removed from my credit report with all credit bureaus immediately. I am requesting a full investigation into this matter and a resolution to have this inaccurate or unverifiable information removed from my credit file. This is for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: OH

Complaint narrative:
On XX/XX/XXXX my card was used at a ATM and somebody stole {$1000.00} out of my Chime account. I filed a dispute on XX/XX/XXXX and my dispute was denied on XX/XX/XXXX. They will not refund the stolen funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: LA

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Eastern Account System is managing a collection based on a debt reported by XXXX, which was resolved by returning the equipment and updating the pending service, but the collector is still reporting incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: TN

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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
The National Recovery Agency reported a debt without notice ( sent to the wrong address ). I disputed this with the credit bureau.. The bureau is about getting close to the 30 day window to respond. They just now sent something in the mail to my new address after doing premature credit reporting which is a violation because I never got a chance to dispute it before it went to my credit report. I am requesting an immediate deletion of this inaccurate and unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Account Number : XXXX I am filing this complaint because Ally Bank collected four payments from me under an auto loan contract that was later unwound, and Ally has refused to refund the money they collected. The total amount owed to me is {$2200.00}, which was withdrawn directly by Ally from my bank account. 1. Ally collected these payments and is responsible for refunding them. XXXX never received these funds. These payments were made to Ally, for a contract Ally funded. Since Ally unwound the contract, Ally is required to return the payments they collected. 2. Ally keeps incorrectly telling me that XXXX will refund the money. This is not possible. XXXX can not refund money they never received. Ally continues to shift responsibility instead of issuing the refund they owe. 3. Every time I call Ally, they tell me they will look into it and get back to me but they never do. This has happened repeatedly. I have never received a followup call, a written update, or any progress toward resolving the refund. 4. Ally directed me to a private individual with a personal cell phone and XXXX email. Ally told me to contact the dealership and provided the information for XXXX XXXX ( XXXX / XXXX ). This is not a corporate representative, not someone I ever dealt with, and not an appropriate or secure channel for resolving a financial matter. The dealership is closed, and this person has no connection to the payments Ally collected. 5. Requested Resolution : Refund the four payments totaling {$2200.00} directly to me Stop redirecting me to XXXX or to private individuals Provide a clear and final timeline for issuing the refund This complaint is solely about the refund of the payments Ally collected and has not returned. I am requesting CFPB assistance to ensure Ally issues the refund without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I attended a seminar in XXXX from XX/XX/XXXX to XXXX, XXXX, organized by XXXX, where they offered a program called XXXX XXXX XXXX. This program was scheduled to begin on XX/XX/XXXX. I committed to paying monthly installments of {$1000.00} for 12 months. When I paid the first installment, I did not sign any documents. I did not receive any service policy documents. I to paid for XXXX, XXXX, AND XXXX. For personal reasons, I was unable to start this program, so I notified the merchant on XX/XX/XXXX and XXXX via email and requested a refund of {$2000.00}. I called Discover and notified them of what had happened with this purchase. They Initially, Discover gave me the credit, but later they notified me that the merchant had demonstrated their reasons for not returning the money. They sent the service policy stating that once a program is purchased, it only has a 7-day money-back guarantee. They also said that I had used up the entire program, providing as evidence a photo taken during the seminar. My disagreement with this ruling is as follows : How can you explain the use of the 7-day guarantee when they started selling the program two months in advance?, The photo you mention is from the seminar I attended. It is not part of the program they sold on XX/XX/XXXX, XXXX times to ask about the case, I have called Discover several times to ask about my case, and I get different answers from different cities. XXXX XXXX XXXX Translated with XXXX ( free version ) Translated with XXXX ( free version )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Summary of the Problem My mortgage servicer has been mismanaging my escrow account and has caused a dangerous lapse in my homeowners insurance coverage. Since XX/XX/year>, the servicer has been : Using my escrow funds to pay another persons homeowners insurance policy, and Failing to pay my own homeowners insurance, resulting in my home being uninsured since XX/XX/year>. I did not authorize payments to any third party. My mortgage agreement requires the servicer to properly manage escrow funds and ensure timely payment of my homeowners insurance. This error has left my home uninsured for months and has placed me at significant financial and legal risk. Details of the Issue My insurance company confirmed that no payments were received from my servicer. My policy was canceled for nonpayment, even though I had sufficient escrow funds. My escrow statements show payments going to an unknown thirdparty insurance policy. The servicer has not corrected the error or reinstated my coverage. I have not received a clear explanation for why my escrow funds were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Submitted a XXXX request to Navy Federal for military orders, they reduced interest on all purchases before my orders to 4 % all the way back to XX/XX/XXXXXXXX then its 6 % from debt prior to that period. The problem is they are not actually forgiving the interest prior to the beginning of the XXXX orders to 6 % or less, they are only apply it going forward. So example, if I had XXXX at 20 % interest for a year prior to XXXX orders and I only paid the interest amount for a year, this would be XXXX in interest for that year. Starting the date the XXXX orders begin they now charge 6 % interest on that XXXX but they do not refund the excess interest for the previous period. In my example they would be required to give back XXXX of the XXXX of the interest but instead they are only applying the 6 % or less going forward. Per XXXX ; " Forgive interest greater than 6 % per year. Interest includes additional charges and fees. Forgive the interest retroactively - back to the first date you were eligible. Refund any excess interest paid. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? This is the 3rd attempt to work with Navy Federal to apply XXXX correctly and every time they have failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
I made a purchase from XXXX and later returned the items. XXXX issued a refund back to my Way2Go prepaid debit card account. At the time the refund was sent, my card was locked. The card issuer informed me that because the card was locked they did not load the refund to my account. However, the funds were also never returned to XXXX. Instead, the company told me I would need to file a dispute to recover the refund. I followed their instructions and filed the dispute. The funds were temporarily credited back to me, but the company later reversed the credit and took the money back without properly resolving the issue. When I contacted them again, they refused to investigate further and stated that because my card was locked they had the right to keep the funds. XXXX has confirmed that the refund was successfully sent and has not received the funds back. As a result, the card issuer is currently holding money that does not belong to them and refusing to release it to me or return it to the merchant. I am requesting that the company be required to locate and release my refund immediately or return it to XXXX, and that they provide a full explanation of why the funds were withheld despite confirmation that the refund was successfully processed. This situation raises serious concerns under the Electronic Fund Transfer Act and Regulation E, which require financial institutions handling electronic transfers to properly process funds and investigate account errors. I believe the company has failed to follow these requirements by refusing to properly investigate the missing refund and by withholding funds that were confirmed to have been successfully sent by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I traded in my XXXX XXXX to purchased a XXXX XXXX XXXX. The XXXX was paid off in full by XXXX. The next day, I called and had the XXXX insurance canceled on the XXXX. The XXXX was paid off in full by XXXX ; therefore I am entitled to the XXXX refund.. I spoke with the XXXX insurance representative and was told a refund check in the amount of {$720.00} will be mailed to my residence address on file and it with 6 to 8 weeks. After 2 months not receiving the refund, I called XXXX insurance company back for a status. I was told a check was sent to Honda Financial services and that I need to call them. I called Honda Financial services for the whereabouts of the XXXX refund check. The representative I spoke with informed me that the refund will be apply to the balance of the loan and what is left will be apply for credit towards another XXXX. I informed the representative there is no balance, which he confirmed, and I am not purchasing another XXXX. Release my refund check. The representative went onto say I have no say in the matter. In the XXXX policy it states I have the option to cancel anytime and if no payments are owe, in this case, nothing was owe to Honda ; I am entitled to the refund. This is a breach of contract. Beware of Honda Financial Services. I am pursuing legal options.

Company response to consumer: Closed with explanation