vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have had a XXXX XXXX credit card with XXXX for over XXXX years. I have never been late nor have I ever missed a payment. I changed credit unions in XX/XX/XXXX and provided the new account information to the credit card company when scheduling the XXXX payment. Despite having a payment go through successfully with another card also with XXXX, they closed my account when XXXX attempts failed. I was out of state and not contacted. They then somehow successfully took payment in the same manner after closing it my account. The payment was attempted on XX/XX/XXXX which was prior to the due date, which was XX/XX/XXXX. They miraculously took payment XX/XX/XXXX and then closed the account. I called to inquire as to why they closed the account when I was out of state and payment was made within a week of the due date. They said too bad. I am outraged since this will affect my credit. Again, it was simply my transferring financial institutions,. I do not want this going against my credit. I understand that all these companies are huge and it makes no difference to them who they serve, but this is seriously unconscionable.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: OH

Complaint narrative:
On my credit report Chime Financial reported that a secured Credit Card with Chime was opened on XX/XX/XXXX. However, Chime reported this credit card to all XXXX credit bureaus NOT UNTIL THE END OF XXXX OF XXXX. I NEVER OPENED A CREDIT CARD ACCOUNT WITH CHIME. THE ONLY ACCOUNT THAT I OPENED WITH CHIME WAS A CHECKING ACCOUNT. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. DO NOT PUT THAT I CLOSED THIS ACCOUNT BECAUSE IT WILL CAUSE ME TO LOSE MORE POINTS ON MY CREDIT REPORT. CHIME OPENED THIS CREDIT CARD WITHOUT MY CONSENT AND IT COST ME 3 POINTS ON MY CREDIT REPORT WITH TRANSUNION. PLEASE REMOVE THIS ACCOUNT FROM MY EXPERIAN, TRANSUNION AND EQUIFAX CREDIT REPORT. DO NOT PUT CLOSED! I NEVER OPENED THIS CREDIT CARD ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: MS

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX in XX/XX/year>. The vehicle quit on me less than XXXX months later under warranty and I was told it needed a motor. I had to XXXX for months before a loaner was provided after I contacted XXXX. Big expense. After almost a year later, the vehicle was returned and quit again after 2 weeks. It is still at the shop. I have been provided loaners that are subpar and have quit on me each time and had to be towed to the company at my expense except once. I gave missed several days off work due to no transportation. When I delay making my payments, the company towed the vehicle in from a XXXX center that I was hating a procedure done at. I had no way home and my vehicle still wax not returned. The company charged me {$350.00} for the tow. I still do not have a vehicle and have paid {$500.00} a month fir my car payment for a year. XXXX down payment and {$100.00} a month for a year for the company insurance although I dont have the car. The loaner car that I am using now that was provided by the company has very poor brakes and has one XXXX. This was told to the company service dept. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
I am filing this complaint because CBE GROUP ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report without proper authorization or validation. This account should never have been furnished because CBE GROUP has failed to provide any signed contract, itemized statement of the debt, or proof of collection authority. Adding this account to my consumer report without proper validation violates 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ) ( i ) under Regulation F, as I was never given a meaningful opportunity to review or dispute the alleged debt. Additionally, reporting this unverifiable collection violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all reported information, and 15 U.S.C. 1681b, as there is no permissible purpose to furnish a collection account without valid documentation. The inclusion of this unauthorized collection has caused serious harm to my credit score, limited my ability to access financial opportunities, and resulted in unnecessary stress and financial setbacks. I am extremely frustrated by this ongoing issue. I want to ensure that this issue is fully addressed. I demand that CBE GROUP immediately remove this unauthorized account from my credit report and guarantee that it will not appear again. The failure to properly validate and investigate this collection is a clear violation of negligence noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. I have already escalated this issue to the Federal Trade Commission ( FTC ), and I am now asking for the Consumer Financial Protection Bureau ( CFPB ) to help resolve this matter. I expect that you ensure this account is deleted from my credit report and that CBE GROUP is held accountable for their failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-27 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: MI

Complaint narrative:
I have a credit inquiry for a XXXX account that isn't mine for XXXX $ ITS TAKEN OVER FOR XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I am been writ of garnishment and sued by the advance Group Inc for a account that has been closed from XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
b'NCB Management Services, Inc. (XXXX XXXX) is collecting a debt from me, a XXXX XXXX consumer, without a valid XXXX XXXX XXXX XXXX XXXX as required by XXXX XXXX Three separate XXXX XXXX database searches conducted on XXXX XXXX XXXX including a XXXX XXXX XXXX XXXX search by NCBs XXXX XXXX XXXX XXXX XXXX returned no licensing record for NCB in Washington. XXXX records confirm NCB holds active collection agency licenses in XXXXXXXX other states (including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX), but XXXX is conspicuously absent.\n\nNCBs XXXX XXXX XXXX response to my debt validation request also contains a written admission, on page 2 of their cover letter, that the debt is time-barred and they cannot legally sue on it. The exact language NCB used: The law limits how long you can be sued on a debt. Because of the age of your debt, NCB Management Services, Inc. cannot sue you for it. Despite this admission, NCB continues to report this account to the credit bureaus.\n\nThis unlicensed collection activity violates FDCPA 1692e(5) (taking action that cannot legally be taken) and 1692e(2)(A) (misrepresentation of the legal status of the debt), as well as XXXX XXXX law under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNCBs XXXX XXXX XXXX validation response was also legally insufficient it failed to provide proof of a current XXXX XXXX Collection Agency License, the date of first delinquency, and an account-specific bill of sale or chain of title schedule.\n\nAccount details: NCB File XXXX; Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sold to NCB on XXXX XXXX XXXXI sent NCB a Cease and Desist and Deletion Demand on XXXX XXXX XXXX via XXXX XXXX Mail.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Complaint to CFPB Inaccurate and Misleading Charge-Off Reporting I am filing a formal complaint regarding inaccurate and misleading credit reporting by Citizens Bank as reported on my consumer credit file with XXXX, XXXX, and XXXX. The account in question reflects a reported charge-off status with a stated balance of {$37000.00}. However, the account details being reported are inconsistent, misleading, and inaccurate. The tradeline shows : * Payment received : {$0.00} * Monthly payment : {$0.00} * Late payments reported * Charge-off status * Outstanding balance of {$37000.00} These entries are contradictory and do not provide a clear or accurate representation of the actual account status, payment history, or contractual obligations. Reporting a {$0.00} payment structure alongside a high outstanding balance and charge-off status creates a misleading and confusing credit record. This inaccurate reporting is severely damaging my credit profile, lowering my credit score, and negatively affecting my ability to obtain credit or financial services. The inconsistencies suggest that the account data is either incomplete, improperly coded, or not being reported in compliance with credit reporting standards. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that all reported data is complete, accurate, and not misleading in any material respect. Reporting conflicting account attributes such as XXXX payment terms alongside a large charged-off balance does not meet this standard. I have not been provided sufficient documentation verifying the accuracy of this account reporting, including a complete payment history, contract terms, or detailed explanation of the charge-off status. Requested Resolution : 1. Full investigation into the reporting by Citizens Bank. 2. Verification of the original loan agreement, payment terms, and full account history. 3. Detailed breakdown of the {$37000.00} balance and how it was calculated. 4. Explanation and verification of all late payments and charge-off reporting. 5. Correction of inaccurate or misleading information, including conflicting {$0.00} payment reporting. 6. Removal of inaccurate charge-off or derogatory reporting if it can not be fully verified. 7. Updates sent to XXXX, XXXX, and XXXX. 8. Written confirmation of the investigation results and corrective actions taken. This reporting is inconsistent, materially misleading, and is causing ongoing harm to my financial standing. I request immediate review and correction under applicable consumer protection laws. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Ive have contacted this company to obtain a debt validation and proof of ownership. They have failed to do so. I also requested payment history. The account that is listed on my credit report doesnt have a full account number or any kind of payment history. I have also contacted the original creditor and they have no knowledge of an account with my name social or DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am disputing the accuracy and completeness of an auto loan account reported by Toyota Financial Services under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). The account reflects a reported charge-off status with a balance of {$5100.00} and a date of first delinquency of XX/XX/year>. I am requesting full verification of the accuracy and completeness of this reporting. Specifically, I request validation of : The original signed contract Complete payment history Charge-off calculation and breakdown of the reported balance Date of first delinquency and reporting timeline To date, I have not been provided with sufficient documentation to verify the accuracy of this information. If the furnisher can not fully verify all reported details with complete and accurate documentation, I request that this account be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint regarding the handling and closure of my credit card account with Navy Federal Credit Union. On or around XX/XX/year>, I contacted Navy Federal after falling behind on my payments due to temporary financial hardship. During that call, I was approved for a payment arrangement and given a schedule to bring the account current, with my first payment planned shortly after. However, before I had the opportunity to make the agreed payment, my account was closed on XX/XX/year>. When I followed up, I was informed that the closure was system-generated due to the account being over 60 days past due, and that the representative who approved the arrangement may not have been aware of the pending closure. This created a situation where I was given a resolution path, acted in good faith based on that guidance, but was not given a reasonable opportunity to fulfill the agreement before the account was closed. I am not disputing that the account was past due. However, I am disputing the fairness and handling of this situation, as conflicting information from the institution directly impacted my ability to resolve the account. I am requesting that Navy Federal review this matter thoroughly and consider a goodwill adjustment or correction to how this account is being reported to the credit bureaus, given my efforts to resolve the issue prior to closure. Thank you for your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX reported a fraudulent account abuse entry to ChexSystems that does not belong to me and was not opened, used, authorized, or caused by me. I am a victim of fraud and identity theft, and this reporting has seriously harmed me for approximately three years by preventing me from opening bank accounts and accessing normal financial services. The ChexSystems report shows XXXX XXXX XXXX reporting an alleged account abuse/charge-off item with an amount of approximately {$260000.00} and a closure date of XX/XX/year>. I dispute this account and do not admit ownership, authorization, use, or liability for the alleged activity. I filed an official FTC Identity Theft Report regarding this matter and provided documentation showing that this account is connected to identity theft. Despite this, the item continues to appear on my ChexSystems consumer report as verified. I have not been provided any real proof showing that I opened this account, signed for it, used it, authorized the transactions, or benefited from it. XXXX XXXX XXXX and/or ChexSystems have not provided a signed application, signature card, full transaction records proving personal use, identity verification records, IP/device logs, withdrawal records, or any valid documentation tying this account to me. This reporting is inaccurate, damaging, and should be removed. Under the Fair Credit Reporting Act, consumer reporting agencies and furnishers are required to report accurate information, conduct reasonable investigations when disputed, and block identity theft information when proper documentation is provided. I believe XXXX XXXX XXXXXXXX and ChexSystems failed to properly investigate this matter and continued reporting harmful information without providing proof. I am requesting that the CFPB review this complaint and require XXXX XXXX XXXX and ChexSystems to immediately delete/remove this fraudulent account abuse entry, block it from being reinserted, update my consumer report, and provide written confirmation of removal. I am also requesting that they provide the method of verification and all documents used to supposedly verify this account as accurate. This fraudulent reporting has caused me financial harm, reputational damage, and denial of access to banking services. I am asking for immediate correction and removal.

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 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tiffany & Tiffany PLLC
State: VA

Complaint narrative:
Tge agency is Tiffany Law firm. I asked for a document to show what I owe and they just sent this. " XXXX XXXX, The Original Judgment was entered on XX/XX/year> in the Total Amount of {$12000.00} Since that Day Interest has been accruing at almost {$2.00} per Day or approximately {$1000.00} per Year for 5.5 Years. Additional Court Costs are {$360.00}. We have received {$8900.00}. '' Now they are garnishing over {$1200.00} a month from my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I am an Idaho resident, and my account is governed by Idaho law ( the FAST Act ). Coinbase is withholding {$2600.00} in verified winnings from XXXX XXXX XXXX XXXX. The contract reached a settlement on XX/XX/XXXX at XXXX PM XXXX. The official XXXX XXXX index price was {$100.00}, and my strike was Above {$100.00}. My account correctly shows the status as 'Closed Yes, ' but the payout is stuck at {$0.00}. While Coinbase may be facing litigation in New York ( XXXX XXXX XXXX, XX/XX/year> ), I am an Idaho resident in a non-litigating state. This delay in releasing my settled funds caused the forced liquidation of my XXXX position. I am demanding the immediate release of my {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation