vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Finance Company, Inc.
State: NC

Complaint narrative:
Ive explained to them that Im out of work due to having a child and that I couldnt pay the loan at the moment so they sued me without notice. The amount is 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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Ive sent numerous certified letters recently last request was on XX/XX/year> with cease-and desist letter regarding the collection of alleged debt and all related matters referring to telephone calls, letters, emails, and messages that was not complied by law under the fair credit reporting act ( 15 U.S.C. 1681 et seq ) and the fair debt collection practices act ( 15 U.S.C. 1692q )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information 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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account was paid in full, however it continues to show late payment remarks that are no longer accurate.

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 2026-01-02 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I was paying for my friend and an hour later my account was permanently suspended can later receive the email saying that my funds will be held for 180 days. Without giving me any type of reason or anything still to this day. Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: T.S. Holdings
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below.

Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information please contact me at : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Hanwha QCells USA Corp
State: NY

Complaint narrative:
Solar company ( Attyx ) gave our account to XXXX finacial after promising us many incentives and virtually guaranteeing we would owe nothing, now we are paying a {$94000.00} loan to XXXX which started out at {$91000.00} and we made the supposedly 18 months straight payment which would have our payment reduced from {$570.00} down to {$210.00}, now XXXX has raised our payments to {$810.00} which is due on the XXXX of XX/XX/year>. 

We are on social security and have been scammed by XXXX. We need help. They are making XXXX withdrawals from my account and I want to stop and have them investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: CT

Complaint narrative:
A third party ( XXXX ) gained access to my checking account and used my funds. I did not provide informed consent for this access, and I was not provided clear documentation explaining how or when such access was authorized. 

I am XXXX and receive XXXX. The misuse of my funds caused significant financial harm and loss of control over my finances. 

At the time these events occurred, I was living under coercive circumstances in Texas. Financial access and control were used to exert pressure and to misrepresent my legal and financial status to me. 

I previously contacted the company to ask how third-party access was granted and to request records showing authorization, account changes, and access logs. The company refused to provide clear documentation or a meaningful explanation and did not resolve my concerns. 

I am requesting that the company provide written records showing when and how third-party access was authorized, what safeguards were used, and how this complies with consumer protection requirements, particularly given my XXXX and protected income.

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 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I opened a XXXX 's Advantage credit card issued by Synchrony Bank and enrolled in e-service, which included electronic billing. 

On XX/XX/XXXX, without any action on my part, Synchrony 's system automatically changed my statement delivery preference to paper billing, triggering a {$1.00} monthly fee I never agreed to. 

On XX/XX/XXXX, I called Synchrony to inquire about these fees. After approximately XXXX minutes on hold, I spoke with XXXX ( ID XXXX ), who could not assist and transferred me. My second contact, XXXX, did little to investigate and refused to provide an employee ID when asked. 

I was then transferred to a supervisor, XXXX, who also refused to provide an employee ID. I spent nearly XXXX hours on the phone with her. She initially insisted emphatically that I had intentionally changed my billing preference to paper statements. Only after I pressed her to investigate did she review the account history and confirm that I had not made this change. The system had automatically defaulted me to paper billing without my consent. 

XXXX waived the fees and promised a callback from a Synchrony XXXX between XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX XXXX XXXXOn XX/XX/XXXX, the call came at XXXX XXXX XXXX, well outside the agreed window. When I attempted to return the call using the number provided ( XXXX XXXX ), I encountered an automated system with no voicemail option and no way to reach a representative. Options XXXX and XXXX led to repeated loops. The name directory was nonfunctional. 

I am concerned this practice is affecting other customers who XXXX not have the time or persistence to fight back, and who are being unfairly billed as a result. The pattern I experienced ( automatic fee enrollment without consent, customer blame, refusal to provide employee IDs, and a broken escalation process ) appears designed to discourage resolution.

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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
I am submitting this complaint regarding an illegal auto-secured loan and wrongful repossession involving a rent-a-bank scheme. 

On or about XXXX, I entered into an online loan and received around {$9600.00}. As a condition of the loan, my vehicle was required as collateral, and the lender took possession of my physical vehicle title. The transaction functioned as an auto title loan, which is prohibited under Michigan law. 

Although XXXX XXXX XXXX  is listed as the lienholder on my vehicle title, a non-bank online entity marketed the loan, set the interest rate, serviced the account, collected payments, and directed repossession. I believe this structure constitutes a rent-a-bank arrangement, and that the non-bank entity is the true lender. 

The required monthly payment was {$570.00}. I made payments for approximately XXXX  months, paying over {$12000.00} total, which exceeds the amount I borrowed. Despite this, the lender claims I still owe over XXXX resulting in a total demanded repayment of approximately {$24000.00} on a {$9600.00} loan. This reflects an effective XXXX higher, far exceeding Michigans legal limits. 

On [ date of repossession ], my vehicle was repossessed to enforce this loan. At the time of repossession : I had already repaid more than the principal The loans legality and interest rate were disputed The loan structure involved possession of my title and extreme interest As of the date of this complaint, I have not received a Notice of Sale, but the vehicle remains in the lenders control. 

I believe : This loan is an illegal auto title loan under XXXX  XXXX The XXXX is unenforceable due to illegal interest and loan structure The repossession constitutes wrongful repossession and conversion The involvement of XXXX XXXX XXXX  appears designed to evade state law through a XXXX scheme I am requesting CFPB XXXX and enforcement regarding the true lender, the illegal interest, and the repossession of my vehicle to enforce an unlawful loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app suddenly closed my account and put restrictions on the account I keep contacting them informing them that I know longer have access to the email on the account and that I have a balance on the account that I want to withdraw they keep saying they are going to send it over to the department that closed the account and they are going to email which I keep telling them I don't have access to the email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AL

Complaint narrative:
Product : Debt Collection Issue : Attempted to collect debt not owed / Incorrect information on credit report / Failure to validate debt Company : Credit Control , LLC / XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. 



Complaint Narrative I am formally disputing the alleged debt referenced as XXXX XXXX XXXX / Credit Control , LLC account # XXXX ( original XXXX account # XXXX ). 

I do not acknowledge this debt as valid, nor do I acknowledge that XXXX XXXX XXXX has legal standing to collect it.

I requested full debt validation pursuant to 15 U.S.C. 1692g ( FDCPA ). Despite this, the collector has continued to send settlement offers and collection communications without providing legally sufficient verification.

Specifically, the collector has failed to provide : 1. A copy of the original signed contract or agreement with my signature 2. A complete chain of title proving lawful ownership of the debt from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. An itemized accounting showing how the alleged balance was calculated XXXX. Proof that the debt is within the applicable statute of limitations XXXX. Proof they are legally licensed to collect in my state Continuing collection activity without validation constitutes continued collection on a disputed debt, which I believe violates FDCPA 1692g ( b ), 1692e, and 1692f.

If this account is being reported or updated with consumer reporting agencies, such reporting is inaccurate, unverified, and unlawful under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting CFPB intervention to require the debt collector to : Immediately cease collection activity Remove any credit reporting related to this account Provide documented proof of legal ownership and enforceability, or Withdraw the account entirely If XXXX XXXX XXXX or Credit Control , LLC can not produce full validation, I am requesting permanent deletion of this account from all records and credit reporting agencies.

Failure to resolve this matter may result in further complaints to the State Attorney General, FTC, and pursuit of private legal remedies.

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 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
Account number per today email : XXXX amount {$600.00} third party to collect debt on the behalf of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Dave Operating, LLC
State: IA

Complaint narrative:
Company : Dave Inc ( XXXX XXXX XXXX ) Amount : {$740.00} Date of Transaction : XX/XX/XXXX Description of Complaint : I am filing a complaint regarding an unauthorized debit under the Electronic Fund Transfer Act ( Regulation E ). 

On XX/XX/XXXX, I sent a formal written notice to Dave Inc revoking their authorization to debit my bank account via XXXX for any future transactions. On XX/XX/XXXX, Dave Inc 's support team acknowledged receipt of my request but refused to honor it, claiming the scheduled transaction was " not eligible for cancellation. '' This refusal violates Regulation E, which grants consumers the absolute right to revoke preauthorized transfers at any time. On XX/XX/XXXX, despite my revocation and a Stop Payment order placed with my bank ( XXXX XXXX XXXX, Dave Inc debited {$740.00} from my checking account. 

Attempted Resolution : I have contacted Dave Inc multiple times to void this transaction. I have also filed a fraud claim with XXXX XXXX for an Unauthorized Electronic Fund Transfer. Dave Inc has refused to correct the issue. 

Desired Resolution : I am requesting an immediate refund of the {$740.00} and that Dave Inc permanently closes my account and ceases all attempts to debit my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Description of Incident : I am writing to formally dispute a recent decision by Citibank regarding my credit card account, which I have maintained in good standing for over 20 years. 

Despite two decades of perfect payment history and loyalty, Citibank recently lowered my credit limit significantly, citing a 6-month period of inactivity. When I contacted customer service to have my original limit reinstatedas I was told would be possibleI was met with extreme difficulty. The representatives I spoke with provided scripted responses, failed to acknowledge my long-term history, and there was a significant language barrier that prevented a meaningful resolution. 

The Issue : Unfair Penalty for Inactivity : Reducing a limit on a XXXX account due to only 6 months of non-use is an aggressive tactic that negatively impacts my credit utilization and overall credit score.

Poor Customer Service : I attempted to resolve this through standard channels, but the agents were unable or unwilling to escalate the matter to a department with the authority to review my historical record.

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 2026-01-02 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: MD

Complaint narrative:
MoneyLion is furnishing inaccurate information to the credit bureaus for this account. My credit report shows the account as charged off and past due ( including a past-due balance being reported ). I dispute the accuracy of the balance, status, and/or payment history being reported. I am requesting that MoneyLion conduct a proper investigation and provide documentation supporting the reporting ( complete payment history, charge-off details, and account terms ). If MoneyLion can not substantiate the reported balance/status with competent records, I am requesting deletion or correction of the tradeline and that MoneyLion update XXXX XXXX XXXX XXXX accordingly XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation