vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Check was deposited XX/XX/XXXX, was told check would be on hold for a few days, I was told the same for the previous checks and funds were available the following business day. 

On XX/XX/XXXX I check my account for either a pending status or available funds however none is available At XXXX XXXX  on XX/XX/XXXX I when to my local branch for information were they then told me the account will be on hold until XX/XX/XXXX information that if I was told on XX/XX/XXXX I would have not deposited the check then and would have waited to deposit it at another branch or bank. 

Called Customer service and was given conflicting information some saying the funds should be available by XX/XX/XXXX others saying it'll be available on XX/XX/XXXX. 
This forced me to contact Zions Bank corporation the parent company of Amegy Bank to receive the correct information and the Customer Service Representative was also confused as to why the checks weren't verified before and only now. CSR helped file an internal complaint however I don't think the complaint will do much.

Multiple checks from the same company have been deposited in the account before only now are they holding the current check for verification and are holding it for 10 business days with no guarantee that I'll see the funds.

This is something that should have been done on the first paycheck received from the company.

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 2026-01-13 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: World Acceptance Corporation
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : World Finance Consumer : XXXX XXXX Account No. : XXXX Dear Sir or Madam, I am formally disputing an account being reported by World Finance on my consumer credit reports. World Finance has failed to provide competent evidence that I owe this debt and has not proven that it has the legal right to report this account.

Despite my disputes, World Finance continues to verify and furnish this account as accurate without providing proper documentation, which violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ). Furnishing information without conducting a reasonable investigation is unlawful and damaging to my credit profile.

Because World Finance can not properly validate this account, I am requesting immediate deletion of this tradeline from all consumer reporting agencies.

I respectfully request that the CFPB investigate this matter and require World Finance to remove this inaccurate and unverified account from my credit reports.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2026 Summit A * R XXXX XXXX XXXX XXXX, MN XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report.

After conducting research, I have learned that SUMMIT A * R. is not licensed to operate as a debt collector in the state of Georgia. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt.

An agreement signed by the alleged debtor, containing promises to pay the original creditor.

A complete payment history on this account, proving that the amount you claim is accurate.

Until you provide proper verification of this alleged debt, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. Failure to comply may result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me.

Please consider this a cease and desist request under the FDCPA. I request that all future communication regarding this alleged debt be conducted in writing only. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint against Citibank , N.A . for failure to comply with Regulation Es error resolution and provisional credit requirements.

I notified Citi of an error on my account on XX/XX/XXXX, which constitutes oral notice of a billing error under Regulation E. On XX/XX/XXXX, Citi mailed me a request for additional information, which I completed and returned by email on XX/XX/XXXX. 

As of XX/XX/XXXX, ten business days have elapsed since Citi received notice of the error. Pursuant to 12 C.F.R. 1005.11 ( c ) ( 2 ), Citi is required to provide a provisional credit within ten business days if its investigation is not completed within that time. Citi has failed to issue the required provisional credit and has not provided any written update regarding the status of the dispute.

I have contacted Citi by phone and spoken with two separate representatives who both incorrectly stated that the ten-business-day period does not begin until the disputed transaction has posted to the account. Regulation E contains no such provision. The regulation clearly states that the timing requirements begin upon notice of the error, not the posting date of a transaction. This misinformation suggests a systemic compliance and training issue.

Citis failure to comply with Regulation E has caused ongoing financial harm and uncertainty.

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED WITH INACCURATE INFORMATION AND CONTINUES TO SHOW LATE PAYMENTS THAT DO NOT REFLECT THE TRUE STATUS OF THE ACCOUNT. THE PAYMENT HISTORY IS INCORRECT AND MISLEADING, CAUSING UNNECESSARY DAMAGE TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE INVESTIGATED AND UPDATED TO REFLECT ACCURATE INFORMATION OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS ACCOUNT IS BEING REPORTED WITH INACCURATE INFORMATION AND CONTINUES TO SHOW LATE PAYMENTS THAT DO NOT REFLECT THE TRUE STATUS OF THE ACCOUNT. THE PAYMENT HISTORY IS INCORRECT AND MISLEADING, CAUSING UNNECESSARY DAMAGE TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE INVESTIGATED AND UPDATED TO REFLECT ACCURATE INFORMATION OR REMOVED IF IT CAN NOT BE VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
I have XXXX XXXX card from XXXX I ordered a card On the second of the month I still haven't received a card now im been put out of my place cuz I can't pay my rent no card and no one cares XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On Thursday XX/XX/year>, I deposited my payroll check at Navy Federal at XXXX XXXX. Navy Federal placed a five-day hold on it. However, because this included a weekend, those five business days stretched into seven calendar days, leaving me effectively broke for an entire week.

I understand the policy around business days, but my issue is that this extended hold on a routine payroll check has caused unnecessary hardship. By the time the hold is lifted, it will have been seven days total, even though the check was eligible to clear sooner.

I requested that Navy Federal release my funds early due to the financial strain, and they declined to do so. I am filing this complaint because this extended hold is unreasonable for a routine payroll deposit and is causing unnecessary financial difficulty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
Upon requesting a home equity loan it was brought to my attention on XX/XX/XXXX, that a debt in the amount of {$16000.00} was owed to Credence RM a debt collector. The account was open with the debt collector in XX/XX/XXXX. I then called the debt collector to find out about the debt and was told that it a cellphone account referencing my name and ssn # with XXXXXXXX XXXX XXXX was opened on XX/XX/XXXX for 5 phones. The account was eventually closed on XX/XX/XXXX. The mailing address on file was XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX and the email on file was XXXX. I did not give out my social security number and did not give anyone authorization to open any account in my name. I've been living at XXXX XXXX XXXX since XX/XX/XXXX and neveer received any notification of this account until I applied for a loan. I told the debt collector that this was fraud activity and he guided me on how to dispute it. I filed a police report on XX/XX/XXXX with the XXXX XXXX police department incident # XXXX. I am also in the process of filing the claim with XXXX XXXX XXXX. The debt collector said that he would also notify XXXXXXXX XXXX  XXXX of my intent to file a fraud case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
I relocated from Massachusetts to Connecticut and am attempting to register my vehicle in Connecticut. 
Massachusetts is a title-holding state, meaning the lienholder retains the physical certificate of title. Connecticut is a title state and requires the existing out-of-state title to complete vehicle registration. 
Connecticut XXXX has confirmed that it can not request the Massachusetts title and that the lienholder must either mail the title to Connecticut XXXX or convert the lien to Connecticuts electronic lien ( ELT ) system. 
American Honda Finance Corporation has repeatedly refused to release or transfer the title and has stated that this is the DMVs responsibility. This is incorrect for Massachusetts-held titles and has prevented me from completing lawful registration after an interstate move. 
The loan is active and in good standing ; however, the issue is Hondas refusal to release or transfer the title as lienholder, which is required for interstate registration. 
Hondas refusal to transfer or release the title : Prevents lawful registration of my vehicle after relocation Places me at risk of non-compliance with state motor vehicle laws Conflicts with standard interstate lienholder title procedures Leaves me unable to resolve the issue despite repeated good-faith attempts Connecticut XXXX has confirmed that the required action must be initiated by the lienholder and can not be performed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
I have several e-mails from Huntington Bank that they have closed my Checking and Savings account but I still get account balance notifications via mail that the account has no money. I think they are just leaving the accounts open so avoid losing a bonus or other incentive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
Federal Student Aid and its servicer MOHELA have failed to process a PSLF Buyback request ( Case # XXXX ) for over XXXX months. 

I am fully eligible for Public Service Loan Forgiveness, with over XXXX  months of qualifying employment. The only barrier to discharge is the Departments failure to act on a buyback request submitted on XX/XX/year>. 

Despite repeated patience and compliance, I have received no determination, no payment request, and no timeline. This constitutes unreasonable delay, improper servicing, and administrative failure. 

This delay has caused financial harm by preventing loan discharge and prolonging repayment obligations for loans that should already be forgiven. 

I am requesting regulatory intervention, a written explanation for the delay, and immediate resolution of the buyback request.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Today ( XX/XX/XXXX ), I went to the XXXX Wells Fargo XXXX ( XXXX XXXX XXXX ) to close my account after being told it could not be closed online. Although the account now has a XXXX balance, the branch refused to close it. Eventually, the XXXX XXXX CALLED THE POLICE, and I was asked to leave, even though I am the account holder and the account remains open. I was told that I could close the account by calling customer service. 

When I returned home, I called customer service AGAIN and spent approximately XXXX minutes on the phone. In the end, they also refused to close the account ( XXXX time that day ) and instructed me to return to the branch to do so ( XXXX time that day ). AGAIN. ( Catch XXXX ) I now have an appointment at the branch scheduled by customer service for XXXX XXXX. Given what happened today ( XX/XX/XXXX ), I am concerned about going alone. I even contacted some law students and asked them to accompany me. There is a significant chance that the branch manager may again involve the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal permanently restricted my personal account without warning, without requesting any verification, and without providing a specific reason other than stating my account was considered risky.

This decision was made immediately and permanently, with no opportunity to resolve or appeal. PayPal has also informed me that I am not allowed to open another account. 

This restriction directly affects my income. I earn commission-based income through XXXX XXXX, and PayPal is the only payout method available for these commissions. By permanently restricting my account without explanation or due process, PayPal has effectively cut off my ability to receive income.

My PayPal account is not new and has been in good standing. There were no pending disputes, no verification requests, and no opportunity to correct any issue before the permanent limitation was imposed. 

I am requesting : A clear explanation of the specific reason for the permanent limitation A manual review of my account Restoration of my account or a documented justification for the permanent ban The lack of transparency and the financial harm caused by this action are concerning, and I am asking for regulatory assistance in obtaining a proper review and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Midland Credit Management is currently reporting a collection account in the amount of {$5000.00} to XXXX XXXX XXXX that was previously deleted from my credit reports. After deletion, Midland unlawfully reinserted the account, created new account numbers, and improperly combined XXXX separate alleged debts ( XXXX and XXXX XXXX ) into a single collection account. 

This conduct is unlawful and materially misleading. Midland did not provide any reinsertion notice, certification of accuracy, or documentation establishing ownership or validity of the alleged debt, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). No written notice was provided to me within five business days of reinsertion, and no proof of verification has been supplied. 

I previously sent Midland Credit Management a written dispute and validation request. Midland failed to respond and continues to report the account while validation is pending, in violation of 15 U.S.C. 1692g ( b ).

Additionally : Midland has fabricated new account numbers not associated with any original creditor.

Midland has merged XXXX alleged creditors into XXXX debt, which is false and misleading. 
Midland is continuing to furnish information it can not verify, violating 15 U.S.C. 1681e ( b ).

The continued reporting has caused substantial credit score damage and financial harm. 

I also sent letter stating my intent to sue no response, I will attach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. I was approved for financing through XXXX WESTLAKE FINANCIAL signed a retail installment sales contract, paid a down payment, and took possession of the vehicle. At no time was I informed that the transaction was conditional or subject to later approval. 
After taking delivery, XX/XX/XXXX the vehicle stalled completely and XXXX sent out a mechanic that spoke no XXXX to fix the vehicle on spot. XX/XX/XXXX the dealership required me to submit a subsequent credit application with the reason being that I used my mailing address instead of my physical address. I submitted highly sensitive personal and banking information through a third-party platform ( XXXX ) under the pretense of income verification. This required granting access to my bank accounts and workplace XXXX transaction history. XX/XX/XXXX I was contacted via text by XXXX claiming the lender needed me to send pictures of my XXXX XXXX and to run credit XXXX XXXX I was contacted by dealer again stating I needed to sign new purchase documents with new address. XXXX XXXX I was contacted AGAIN via text by XXXX stating WESTLAKE now needed access to my payroll again. At this point I request that WESTLAKE complete an XXXX form because they have asked for my social security number 8 times. WESTLAKE REFUSED THE DOCUMENT according to XXXX. I comply with all requests. XX/XX/XXXX, I am contacted by XXXX at XXXX via text that says " they kicked the deal '' and I must return the car. 
Subsequently, I was denied financing and/or subjected to adverse action, despite having already completed the sale and transferred consideration for 20 days. This constitutes an illegal yo-yo/spot delivery scheme, where a dealer consummates a sale, extracts consumer data, and later attempts to unwind or alter the transaction. 
I believe my personal and financial information was obtained under false pretenses, shared without proper authorization, and used in violation of federal consumer protection laws.As a result of these actions, I have suffered unauthorized exposure of sensitive banking data, Credit damage and unnecessary inquiries, emotional distress and loss of transportation to work and for my children. Loss of control over my personal financial information. I am prepared to provide : Retail installment contract, XXXX of down payment, Screenshots/emails related to XXXX, Credit reports showing inquiries, Communications with the dealership and lender. These XXXX entities are working together to fraud consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CL Holdings LLC
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Re : Jefferson Capital Systems , LLC XXXX : XXXX XXXX Account No. : [ XXXX ] Dear Sir or Madam, I am disputing the above-referenced account reported by Jefferson Capital Systems , LLC on my credit reports. Jefferson Capital has failed to provide competent evidence that I owe this debt or that they have the legal right to collect or report it.

Despite my dispute, this account continues to be reported as accurate, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Reporting unverified or inaccurate information is harmful and unlawful.

Because Jefferson Capital can not properly validate this account, I am requesting that this tradeline be deleted from all credit reporting agencies immediately. 

I respectfully request that the CFPB investigate this matter and require Jefferson Capital to remove this account from my credit reports. 

Thank you for your assistance. 

Sincerely, XXXX XXXX [ XXXX XXXX Al, XXXX ]

Company response to consumer: Closed with explanation