vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: 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 my consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I originally had {$700.00} in my savings account before XX/XX/year>. I spend money to get me to {$590.00} on XX/XX/year>. I was told I would get my tax refund on or after XX/XX/XXXX. My account should be at {$670.00} if I got the IRS tax refund in my account after dinner time of XX/XX/XXXX. Bank told me it was pending into my account but didn't complete untill XXXX XX/XX/year>. I said that's false because my account was still at {$610.00} by XXXX XX/XX/year>. So it had not infact pended completely to my account. I then checked at XXXX at night. XX/XX/XXXX. And I was only seeing my account at {$570.00}. After I spent some money. The bank refused to credit my account after they made the error of the correct number that should be in my account.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: True Finance
State: KY

Complaint narrative:
I got an email from true finance that said need a loan? Access offers. I did need a loan. I filled out their form and it tried to find loan partners. The problem is that directly after doing that I got about 50 calls and emails and texts from scam companies wanting me to pay money to access my 3000 loan or just calling me non stop. They sold my data to someone and my social security, and other information is at risk.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing XXXX debit card payments of {$400.00} each that were made to XXXX XXXX for a dental financing plan. XXXX of these payments was taken from my XXXX XXXX account ( XXXX ), and XXXX were taken from my Citibank checking account ( XXXX, XXXX, and XXXX ). XXXX refunded the XXXX XXXX XXXX payment, which I am not disputing. However, XXXX never refunded the XXXX XXXX XXXX payment or the XXXX, XXXX, and XXXX Citibank payments, totaling {$1600.00}. XXXX XXXX XXXX shows large refund entries ( {$6700.00} and {$2300.00} ), but these were internal ledger adjustments and were never returned to my bank. Citibank confirmed in writing that they only received {$540.00} and {$15.00}, which do not match any of the disputed {$400.00} transactions. The XXXX payment was never refunded to me, despite XXXX marking it as refunded internally. Despite not receiving refunds from XXXX, Citibank reversed the provisional credits for the XXXX, XXXX, and XXXX disputes. Citibank did this without receiving merchant refunds, without providing the dispute ledger, without providing investigation results, and without obtaining proper merchant documentation. This caused overdrafts and a negative balance. XXXX also provided contradictory information to Citibank, the XXXX, and the CFPB. XXXX claimed all payments were refunded, but the missing {$1600.00} was never returned to me or to Citibank. XXXX representment packets contained screenshots and terms but no proof of refunds, no ARNs, and no proof of payment to or refund from the dental provider. I requested the investigation results, refund proof, XXXX, and the dispute ledger from Citibank, but they did not provide them. I also requested refund documentation from XXXX, but they did not provide any proof that the disputed payments were refunded. I am filing this complaint because Citibank reversed provisional credits without receiving refunds, and XXXX misrepresented refund activity and failed to provide documentation. I am still owed {$1600.00}.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I am the defendant in a subrogation matter that resulted in a judgment of {$6500.00} against me back in XXXX. This judgment is now in the possession of XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX with a listed phone number of XXXX. This subrogation judgment is preventing me from reinstating my XXXX Driver 's License. I have provided images below showing I have reached out to the firm multiple times. Each time I have called has been during business hours. If you select to wait on the line, the call eventually drops. If you leave a voicemail, they do not return it. I also tried sending an email to the attorney listed on the case, Attorney XXXX XXXX XXXX, who is listed on XXXX XXXX as being employed at XXXX XXXX XXXX currently, and received a kickback notice. I also submitted a request online with their contact form, and received no communication. I am attempting to reach this firm to discuss this matter and any and all attempts result in failure. Upon researching this firm closer, it appears this is an ongoing issue. Multiple debtors are unable to reach the firm. The only contact you can get is either making a payment via phone or their website. It is impossible to get a hold of anyone to discuss this debt. I will be sending a formal letter after submitting this requesting verification of the debt from the firm to try and initiate a conversation. Thank you for your prompt and timely attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Property Receivables, Corp
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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
My mortgage servicer conducted an off cycle escrow analysis using incorrect and inflated property tax assumptions, despite confirming that all property taxes were paid in full as of XX/XX/year>. The servicer initially paid the wrong amount on XXXX parcel and failed to pay a second parcel, later issuing a payment that was recorded late on XXXX XXXX website. This required me to pay directly to avoid delinquency. Despite these facts, the servicer projected nonexistent XXXX tax obligations, resulting in an invalid escrow shortage and an improperly increased monthly payment. Attached please find the following documents : Exhibit A CFPB New Complaint XXXX Exhibit B Servicer response to case XXXX Dated XXXX Exhibit C Tax for Both Parcels Dated XXXX Exhibit D HOI Declaration Dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I demanded that SECURITY CREDIT SERVICES LLC provide proof of the ORGINAL contract that i signed with the ORIGINAL CREDITOR I also demanded SECURITY CREDIT SERVICES LLC provide the price the debt was purchased for from the original creditor, which was never provided because whats reflecting on my connsumer report is the original price NOT THE THE PRICE THE DEBT was PURCHASED for on XXXX i also demanded the same 3 items to no avail no RESPONSE from SECURITY CREDIT SERVICES LLC, which was well over 30days, which is a violation of the FCRA as well as the FDCPA & CDPIA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint with Citi. I closed my credit card within 60 days of the annual fee {$95.00} charge. I called the Citi contact number XXXX on XX/XX/XXXX to ask for the refund. The agent confirmed my eligibility for the refund and asked me to call the number again after a few days post account closure for a refund check. I followed the instructions and made another call on XX/XX/XXXX. This time a different agent told me that I'm not available for the annual few refund. The inconsistent information is very misleading and wasted consumer 's time and energy. The 2nd agent acknowledged the promise made by the first agent and promised that the Citi complaint team would reach out to me within two business days to address the problem, However, I have never received any email or calls from Citi since then. I received a response from Citi on XXXX, which stated that no refund is available. This is the opposite of what they promised me. I was promised by two agent twice that I would get my refund. This is misleading and deceiving customers, which is unacceptable.

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
I order something online threw cash app with my card that's provided for me and I never got my product I reported it to cash app and they refuse to knowledge there protection plan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding the handling of my lease account by Mazda Financial Services and the repossession of my vehicle without proper communication or documentation. In XX/XX/XXXX, I contacted Mazda Financial Services regarding financial hardship and was informed that my lease payments could be deferred for two months and that my lease maturity date would be extended accordingly. I relied on this information and believed the deferral had been approved and processed. At no point during that conversation was I informed that additional documentation or a fee was required to complete the deferral. There was also no follow-up communication advising me that the deferral had not been processed or finalized. On XX/XX/XXXX, my vehicle was repossessed without any prior written warning or notice. When I contacted Mazda Financial Services during the repossession, I was told that the deferral had never gone through and that they had attempted to call me multiple times. However, I have no record of these alleged calls, and my online account currently shows no documentation, notices, or communication regarding missed payments, default, or repossession. Additionally, the communication history that previously appeared in my online Mazda Financial account has been removed, leaving no visible record of the hardship request or deferral discussion. At the time of repossession, I was told that I could pay the past-due balance of approximately {$1700.00} the following day but that Mazda Financial Services could not guarantee that my vehicle would be returned to me even if the balance was paid. I believe Mazda Financial Services failed to properly process the hardship deferral that was discussed and approved in XXXX, failed to provide clear notice regarding the status of that deferral, and failed to provide proper documentation prior to repossession. I am requesting the following : A full investigation into the handling of my hardship deferral request. Copies of all internal account notes, call logs, and communications regarding my account. Copies of any alleged notices or communications sent to me regarding default or repossession. Removal of any improper repossession-related fees if the deferral request was mishandled. Review of Mazda Financial Services servicing practices regarding hardship deferrals and customer notification. I would like a written response explaining how this situation occurred and what steps will be taken to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. Because the creditor failed to follow required legal procedures for repossession and post-repossession notices, they forfeited the right to collect or report any deficiency balance. Therefore, any continued reporting of this account is inaccurate and must be permanently removed from all credit reporting agencies.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding a collection claim from MIDLAND CREDIT MANAGEMENT with an account number XXXX For {$830.00} and account number XXXX for {$740.00}. To be clear, I do not recognize these debt, and I never authorized this reporting or collection in any way. The fact that these collections are still ongoing is extremely frustrating and mentally draining. I am being wrongfully harassed over an accounts that are not mine. Ive had no prior knowledge of these debt, and the lack of proper communication and documentation from MIDLAND CREDIT MANAGEMENT has only added to my frustration. This kind of treatment, where I am made to feel like a criminal for something I did not do, is unacceptable. It's unfair to be subjected to these actions. It is disheartening that instead of helping consumers, companies like MIDLAND CREDIT MANAGEMENT engage in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). These collection claim also violates 15 U.S.C. 1692g, which requires debt collectors to provide proper validation of any debt they are attempting to collect. The fact that I have not received sufficient documentation to validate this alleged debt is a violation of my rights. Furthermore, the collection activities are also in violation of 15 U.S.C. 1681b, which mandates that a debt collector must have a permissible purpose before accessing or reporting any consumer information. Whats even more disturbing is the toll this situation is taking on my mental health. The stress of dealing with fraudulent debts, combined with the constant need to respond to collection efforts, has become overwhelming. This situation is causing real emotional distress, and I believe I am entitled to relief under both federal and state laws. I am requesting a thorough investigation into this matter, proper validation of this debt, and an end to the ongoing collection efforts. It is time for these unfair practices to be held accountable, and I trust that the CFPB will take immediate action to address the harm caused by these unlawful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: B&B Hold Corp.
State: FL

Complaint narrative:
I got a call from a random numbers from XX/XX/year> to XX/XX/year> about a debt I did not know about. I told them I do not give personal information over the phone so they couldnt tell me why they called. They did this a few times until I started spam calling them like they did me and they blocked my number. Now I have a text message from a random number with my PERSONAL information shown in documents ( XX/XX/year> ) They are very very lucky that it was the right number because my personal information was sent through a text. If someone took my phone, or they sent that document to the wrong number that could be identity theft! Their company name is beyond green solutions LLC. Their phone number is : 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
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/year> I deposited a check for {$3300.00} and a hold was placed on the check for what I feel to be an unreasonable and unfair amount of time. The check is less than the amount that they would need put a hold on and it is a Business check drawn off of XXXX XXXX XXXX. Holding a check for 7 days for validation is unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
I would like to report what I believe to be an unfair and potentially deceptive banking practice. The account balance displayed in the Chime app does not appear to reflect accurate or transparent information, and the way the balance is shown is misleading to consumers. This issue affects my ability to clearly understand my available funds and manage my finances responsibly. I am requesting a formal review of these practices to ensure they comply with consumer protection laws and banking regulations. My account balance consistently shows {$0.00}, yet on three separate occasions, deposits were made into my account and immediately withdrawn by Chime, resulting in a balance they claim I oweone that is not reflected anywhere in my account information. This lack of transparency is misleading and prevents me from understanding my true financial standing. I believe this practice is deceptive and warrants formal investigation. Misleading balance displays/ Incorrect balances Misrepresentation of account information Unfair or deceptive practices On XX/XX/XXXX, the account shows a XXXX balance - Direct Deposit for {$1200.00} received. {$94.00} was taken from this deposit for XXXX repayment. as well as an advance fee of {$2.00} On XX/XX/XXXX I transferred {$40.00} to my chime account and {$39.00} was taken the account balance is still showing XXXX this is a deceptive practice because it is misleading as to my true account balance.

Company response to consumer: Closed with explanation