vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit cards : ending in XXXX XXXX XXXX XXXX XXXX ( mine ) and XXXX XXXX XXXX XXXX XXXXXXXX ( spouse ) Accounts opened : XX/XX/year> Product : Credit card Issue : Credit reporting / Billing issue Company : TD Bank Dear XXXX, XXXX, I am a recent XXXX  to the United States and opened XXXX secured credit card accounts with TD Bank in XX/XX/year> ( XXXX for myself and XXXX for my spouse ). These cards were fully collateralized by a cash deposit equal to the credit limit. 

From the beginning of the relationship, we experienced multiple operational issues beyond our control, including repeated card blocks and suspended online banking access, which limited our ability to monitor the accounts and make payments normally. We visited TD Bank branches several times in good faith to resolve these issues. 
As new XXXX XXXX, we did not receive adequate onboarding or clear explanations regarding due dates, minimum payments, auto-pay setup, or the impact that even minor delays could have on credit reporting. 

Despite the secured nature of the cards and the absence of any credit risk to TD Bank, late payments were reported on both accounts. These reports do not reflect our intent, good faith, or actual financial capacity. 

I wrote twice to TD Banks relevant departments regarding this matter and received no response. My branch representative later confirmed that the matter was escalated internally, yet I have still received no substantive response or resolution. 
These reported late payments are now causing significant harm, including blocking an ongoing real estate purchase, despite our otherwise solid financial profile. 

The credit reporting appears misleading and disproportionate, given : the fully secured nature of the credit cards, the lack of adequate onboarding and disclosure for a new immigrant, documented operational failures ( card and online access blocks ), the absence of any loss or credit risk to TD Bank. 

I respectfully request that TD Bank : conduct a full review of the circumstances, remove the reported late payments associated with these secured credit cards, correct the information furnished to the credit reporting agencies. 
I am seeking a fair and reasonable resolution based on the facts and my good-faith efforts. 

Kind Regards and thank you by advance for your help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l presume that Proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My closing attorney requested the pay-off ( see attachment ). We were told 7-10 business days and it would go directly to our attorney. We never received it. My attorney gave us a letter to submit that gave us authorization to receive pay-off letter directly. We requested again on XX/XX/XXXX. We did not receive it. My husband called on XXXX and asked if they received the letter from our attorney and they said yes and they would send the pay-off letter directly to both of us. We were told XXXX business days. I called on XX/XX/XXXX and follow-up and they then said it was not processed until XX/XX/XXXX even though we requested XXXX. I was told we would receive it XX/XX/XXXX. It is now XX/XX/XXXX and I have not received it. They could only offer to resend and did not escalate or investigate any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I entered into a Georgia title pawn transaction in XX/XX/2025 for {$5000.00}. Despite the account not being in default, the lender-initiated collection activity and threatened repossession without issuing a lawful notice of default or right to cure as required by Georgia law XXXX 

The lender assessed pawn and prorated charges that materially increased the cost of credit but were not clearly or accurately disclosed as finance charges under the Truth in Lending Act. An effective APR audit ( attached as Exhibit A ) shows the true APR to be approximately 333 %, materially exceeding disclosed terms. 

The lenders payoff figures do not reconcile with disclosed loan terms, and charges appear to have been added without revised disclosures. I dispute the accuracy of the balance and all related disclosures and request investigation, correction of the account, and cessation of all collection and repossession activity pending resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
For an extended period of time, my PayPal account was charged unauthorized XXXX payments. The charges occurred twice every month, consistently around the XXXX of each month. These charges did not belong to my XXXX account. 

XXXX confirmed that the account associated with these charges was unauthorized and has since been closed. The unauthorized billing began with transaction ID XXXX and continued through transaction ID XXXX. This was not an isolated transaction but an unauthorized billing agreement that caused repeated charges over time, which I only discovered later. 

I contacted PayPal multiple times to request an investigation and reimbursement. PayPal acknowledged the billing agreement and confirmed it was cancelled on XX/XX/year>. However, PayPal refused to review or reimburse the unauthorized charges, citing a 60-day limitation and stating that some charges had been disputed with my bank. 

I am not requesting reversal of charges already handled by my bank. I am requesting a fair review of PayPals role in allowing an unauthorized billing agreement to continue and reimbursement for unauthorized charges not covered by bank disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation
State: LA

Complaint narrative:
TELERECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research TELERECOVERY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
Dear XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

XXXXXXXX XXXX XXXX XXXXXXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

Mo XXXX XXXX XXXX XXXX XXXXXXXX I settled this account and negotiated a pay-to-delete agreement with the debt collector. 
Please delete the collection from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Sun Loan XXXXXXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX when attempting to make a purchase my card was blocked. Initially I thought it was because I was traveling XXXX XXXX XXXX XXXX When I reached out to Citibank, they said my account was being closed without providing a reason why. I was told that the 3 accounts I had with them 2 checking and 1 savings were closed and I would receive my funds within 30 to 60 days. After speaking with one rep one day, they told me that my direct deposits from XXXX were fraudulent. This is the payroll system my company uses. I was also told that the funds had been sent back to XXXX, but my HR dept find out that was a lie. After numerous conversations over the last 2 months, they are now saying they don't know where the money is. My bank statement no longer reflects all 3 of my accounts, The checking account ending in XXXX is no longer on my bank statements, they took my savings and is calling it a checking account. The XXXX that was in the account ending in XXXX disappeared after the XX/XX/year> and I can't get answers on where it is at or when i will receive.

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 monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: AZ

Complaint narrative:
A debt collector contacted my husband, who is not on this account and is not authorized to receive any information about my debt. During this contact, the collector disclosed the amount of the debt, the date the account was opened, and the date of my last payment. 

I have never given permission for my husband or any third party to be contacted or given details about my account. This was not a call made only to locate me ; it involved disclosure of private debt information to an unauthorized person. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding third-party communications and disclosure of debt information. I am requesting that this company stop contacting any third parties about my debt and that this violation be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I have an XXXX  loan with the SBA which was on recurring payments. The payments stopped being pulled ( XX/XX/year> ) so I made a large payment on XX/XX/year> which was rejected on XX/XX/year>. I could not get an answer from SBA for months on end. When I received notice ( XX/XX/year> ) I was told I could make back payments to get my loan reinstated. ( XX/XX/year> ) I got caught up and then received notice that my loan went to the treasury but that I could still get my loan reinstated. ( XX/XX/year> ) The treasury then told me they already sent my debt to Transworld ( TSI ) who told me I had to pay the outstanding balance plus 32 %. My account went into default because the SBA stopped pulling funds from my account, not because I stopped paying. Neither the Treasury nor Transworld can/will tell me why my loan went into default. The SBA does not have a phone contact and is not telling me why they sent me into collections after telling me my loan would be reinstated. I am still currently on auto pay ( which I had restarted ) with the SBA, and Transworld is telling me I need to pay them. There is no reason my account should have gone into default in the first place and neither the SBA, Treasury or TSI is willing to help. I tried several times to get autopay going and it would not pull funds from my account. This is the fault of the SBA and not of the borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I financed a vehicle through Omni World, which required me to maintain full insurance coverage. My insurer, XXXX, later cancelled my policy following an underwriting review related to a XXXX claim involving an unauthorized driver. The only written correspondence I received from XXXX requested additional information and did not clearly state that failure to return the form would result in policy cancellation, nor did it state that verbal responses were insufficient. I believed the matter had been addressed during a phone call. 

The vehicle was involved in a total loss on XX/XX/XXXX. Following this loss, Omni World did not contact me at any point regarding insurance coverage, the status of the loan, or the collateral. They did not notify me, did not force-place insurance, and did not take steps to secure or salvage the vehicle. 

I ultimately initiated contact with Omni World on XX/XX/XXXX after discovering that the vehicle was still reporting on my credit history while attempting to purchase a new car. This was the first indication that the account remained open following the total loss. 

During subsequent phone calls, Omni World representatives statedon a recorded callthat they do not take any action when insurance lapses on a financed vehicle and that they would not even know if insurance coverage lapses. This indicates a lack of insurance monitoring and failure to mitigate damages related to secured collateral. 

As a result of Omni Worlds inaction, I am now being held fully responsible for a loss that could have been prevented or mitigated had reasonable safeguards been in place. I am requesting regulatory review of Omni Worlds servicing practices, including failure to enforce insurance requirements, failure to protect collateral, failure to notify the borrower, and failure to mitigate damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
Here is copy of one of the letter I mailed on XX/XX/XXXX PLEASE NOTE : after sending this letter and filing a dispute on XXXX  website ( they denied they were at fault in anyway, and it remains on my credit report to this day ) my attorney told me back in XXXX to not worry about it, and it wouldnt really matter because I have excellent credit but it bothers me. Its still showing up on my credit report and should not be there at all, especially after so many years have gone by. 


XXXX : XXXX XXXX XXXX  XXXX. Box XXXX XXXX. Texas XXXX Re : Early Termination Nissan Lease Payoff Account Number To Whom It May Concern : I leased an XXXX from Nissan of XXXX XXXX that was returned in XXXX ( early termination ) as part of the condition for closing on my home. At the time, there were several phone calls made to Nissan to get the pay-off amount from my mortgage company, my attorney, and me. We all had called during the closing process in order to make sure we were all on the same page and that the payoff information we received was correct. 

About two months after I returned the vehicle and Nissan had received the payoff check from the attorneys office, I started receiving notices about an amount that was still due on the vehicle. I called Nissan about this and the representative told me it was for personal property taxes I owed on the car ; however, I received many letters over the few years I owned the car stating something to the effect that I was not to pay this amount because Nissan was paying the taxes on my behalf since it was a lease. I found this to be odd because I have leased before, so I took the letter to Nissan of XXXX XXXX, and the XXXXccounting department read the letter and told me that per the letter, I did not need to pay anything. 

Months later, XXXX XXXX started sending me notices and I paid some of the money that they said I owed after I argued with them and contacted Nissan yet again - to no avail. After thinking about this over and over again, I decided that it is the principal of the matter, and I do not feel that I should have to pay the remaining balance. It was stated on my credit report that it had been written off. The amount XXXX XXXX ( Nissan ) claims I owe, without looking at the current statement from XXXX XXXX is around {$500.00}. In the grand scheme of things, its a minuscule amount, but like I said its the principal. 

There is no way I could have closed on the loan without this being paid off in full. It was definitely, 100 % clear to the representatives with Nissan that we needed the exact pay-off amount. To be given a figure, by your accounting department, only to come back months later claiming I owed more money is just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A XXXX  collection account is being reported to my consumer profile, but its not mine or fraudulent. Additionally, my Experian profile shows three unauthorized inquiries that arent mine. The items are included in my FTC report that has been upload with this complaint.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I was visiting XXXX XXXX XXXXXXXX last XX/XX/year> at around XXXX to tour my family and brought them to XXXX XXXX XXXX get on the XXXX XXXX see the XXXX XXXX XXXX  Before getting to the ticket booths inside, we were stopped at the street by guys wearing neon reflective outfits with terminals and walkie talkies. They said we need to pay to them first before we can park our car. We thought he works with the same XXXX XXXX that goes to XXXX XXXX but then after paying he told us to go to a different location for the actual XXXX He charged me {$310.00} for a different service. The usual ferry to XXXX only costs {$33.00} and would be less that {$200.00} for the 5 of us. We decided not to push through with their XXXX XXXX and asked for a refund. When i asked for a refund, they said they can not refund me even if the receipt says the ticket is not valid if it hasnt been scanned. We have been scammed by the vendor by pretending to be the actual ferry service provider. I filed a dispute with Apple/Goldman Sachs Bank , since i used the apple card to XXXX They have denied my dispute twice despite explaining the situation.

Company response to consumer: Closed with explanation