vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I am submitting this complaint regarding my line of credit account with CreditFresh due to concerns about excessive and unclear fee practices. I took out a line of credit and have been making consistent payments toward my balance. However, I have been charged repeated billing cycle fees that appear disproportionately high compared to my remaining balance. For example, I was charged approximately {$63.00} in fees within a short billing cycle on a balance just over {$1100.00}. Despite making payments, a significant portion appears to go toward fees rather than reducing the principal. The structure of these fees was not clearly understood at the time of agreement, particularly the frequency at which they are applied and the total cost of borrowing over time. The impact has made it extremely difficult to make meaningful progress toward paying down the balance. I am requesting the following : 1. A full breakdown of all fees charged on my account to date 2. Clarification of how billing cycle fees are calculated and applied 3. Consideration of a reduction or waiver of recent fees 4. Confirmation of the total payoff amount as of today I am actively working to resolve this balance and would like to do so in a fair and transparent manner. I appreciate your prompt review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I previously submitted a dispute regarding inaccurate and unverifiable collection accounts on my credit report. Experian failed to conduct a proper and reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Instead of providing any documentation or evidence to validate the accounts, Experian responded that they could not address the issue through this process and closed the complaint without resolving the dispute. This is not a valid investigation and does not meet the legal requirements under 15 U.S.C. 1681i. I requested full validation of the accounts, including proof of the original creditor, complete account history, and documentation showing legal ownership or assignment of the debt. Experian failed to provide any of this information. By failing to properly investigate and verify the disputed information, Experian is reporting inaccurate and unverifiable data in violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. Because Experian failed to comply with federal law and did not provide proper validation, these accounts are unverifiable and must be deleted immediately. I am requesting a reinvestigation that fully complies with the FCRA and immediate deletion of these accounts if proper verification can not be provided.

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 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I am filing this complaint against MidFirst Bank regarding the repossession of my XXXX XXXX XXXX XXXX due to what I believe are unfair, commercially unreasonable, and potentially unlawful practices. * * Key points of my complaint : * * 1. * * Lack of Commercial Reasonableness : * * The vehicle was repossessed with significant mechanical issues ( coolant leak, overheating, and a faulty catalytic converter ) that were fully disclosed to the bank. Despite this, the bank intends to sell the vehicle at auction without repairs, which will likely result in a significantly lower auction value and an inflated deficiency balance. This raises concerns about whether the bank is acting in a commercially reasonable manner as required under the entity [ " law '', '' Oklahoma Uniform Commercial Code 12A-9-610 '' ]. 2. * * Unfair Deficiency Balance Practices : * * T he bank 's representative stated that they are indifferent to the mechanical problems and intend to pursue me for any deficiency after the auction sale. This approach effectively forces an artificially inflated deficiency balance on me, which I believe is an unfair and abusive practice. 3. * * Lack of Meaningful Opportunity to Redeem or Reinstate : * * I have offered a substantial lump-sum payment to cure the default and reinstate the loan. The bank has refused to engage in meaningful negotiation or provide a reasonable reinstatement quote, contrary to my rights under the entity [ " law '', '' Oklahoma Uniform Commercial Code 12A-9-611 '' ]. 4. * * Representative Conduct : * * The banks representative was dismissive of the vehicles mechanical issues and showed no willingness to consider a reasonable resolution. This behavior raises concerns about the fairness and transparency of their practices. Estimated Auction Value with Mechanical Issues : Given the mechanical issues, a similaXXXX XXXX XXXX XXXXXXXX XXXX with these defects is likely to sell at auction for approximately {$4000.00} {$10000.00}, which is significantly lower than its fair market value if repaired. This will create a large deficiency balance that the bank intends to charge me, which I believe these practices are not only harmful to me as a consumer but also indicative of broader issues in how repossessions are managed. I seek the CFPBs assistance in ensuring a fair resolution and holding the bank accountable for their obligations under the law. Sincerely, XXXX 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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal Debt Validation Request via EMAIL in response to a collection notice. My letter explicitly requested that the agency provide proof of the debt, the original contract, and documentation showing their legal authority to collect this specific account. As of today, XX/XX/year>, the agency has failed to provide any of the requested validation. Furthermore, they have continued to send settlement offers ( such as a notice received recently offering a 50 % discount ) without first verifying the debt as required by law once a dispute is initiated. Under the FDCPA, a debt collector must cease all collection activities until they provide the consumer with verification of the debt. By continuing to pursue a settlement while failing to respond to a timely validation request, the company is in violation of federal and state collection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is closed XXXX XXXX XXXX XXXX is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple unauthorized and improper debits made by Ally Financial from my bank account, and the subsequent failure of both Ally and my bank ( Truist ) to correct or investigate the issue appropriately. Below is a clear timeline of events : I have an auto loan with Ally Financial, with a monthly payment of {$690.00}. I have consistently paid this amount every month. On XX/XX/year>, Ally withdrew my regular monthly payment of {$690.00}. On XX/XX/year>, Ally withdrew an additional {$400.00} from my account without authorization. This was not scheduled, requested, or consented to. The moment I saw the unauthorized {$400.00} debit, I contacted Ally. They informed me they could not assist and directed me to contact my bank. I then contacted XXXX to dispute the unauthorized {$400.00} debit. XXXX denied the claim, stating the payment " did not post, '' despite the funds being removed from my account and showing as a completed transaction. As of today, XX/XX/year>, Ally is attempting to withdraw yet another payment of {$690.00}, which is currently pending. This is a second attempt to take an additional full payment within the same billing cycle. This situation is unacceptable. I have now been charged once, improperly charged a second time, denied assistance by both institutions, and am facing a third attempted debit. This has caused financial strain, account disruption, and unnecessary stress. I am requesting the CFPB to investigate the following : XXXX. Ally Financials unauthorized debits and failure to provide support when notified. XXXX. Truists improper denial of a legitimate dispute despite clear evidence of funds being withdrawn. XXXX. The pending additional {$690.00} debit, which is not owed and should not be processed. XXXX. The lack of transparency, accountability, and corrective action from both institutions. I have documentation of all transactions, screenshots, call logs, and bank statements to support this complaint and will provide them upon request. Thank you for your prompt attention to this matter. I look forward to a swift and thorough resolution. Sincerely, XXXX 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 2026-03-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXXI am requesting a complete copy of the XXXX XXXX XXXX terms and conditions for my Closed Best Buy credit card account XXXX XXXX XXXX XXXX My XXXX XXXX billing statement states that my account was enrolled in a XXXX XXXX XXXX and references a terms and conditions letter that was mailed to me. XXXXXXXXI have attached the statement for the month of November where it states: "Your acoount is in a XXXX XXXX XXXX and no payment Is currently due. Please refer to the terms and conditions letter maliled to you for further detalXXXXI am requesting that Citibank provide this document in full, along with confirmation of the exact dates this program enrollment started and ended.XXXXPlease note that a mailed response is not accepted. XXXXAll documentation must be submitted as attachments directly through this CFPB complaint portal along with the response.'

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 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
the school i attend to was doing fraud and Mohela have misinformation regarding the balance. it shows i have XXXX accounts with balance which is inaccurate and keep bringing my XXXX XXXX down frequently.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX I have been banking with Citibank for XXXX years. I have an individual checking account and a joint checking account with Citibank. In or around XX/XX/year>, I received a notice from the bank XXXX me that the bank would close my bank account as of XX/XX/year>. XXXX to that date, I asked the bank customer service many times about the reason. No one from the bank told me. The account closure resulted me losing money as the payees could not automatically withdraw funds from the bank accounts with which I set up the automatic payment plan. Early XXXX, XXXX, Citibank also closed all my credit card issued by the bank without reason. The bank advised me that I could mail or fax to its designated number so that I could get reasons why it closed my bank accounts and credit card accounts totaling XXXX accounts. I faxed my request to the number designated and I received their response letters by mail on XX/XX/XXXX, however, the letters do not tell me the reasons I requested. It just simply said it closed my accounts. I can not believe it is the way the Citibank treats its customer who has been banking with them for XXXX plus years. I now suspect that the closure was based on my race and it is against the federal banking laws and regulations because I am an XXXX. If it is not based on my race, why the bank could not disclose the real reasons wht it closed all my bank accounts. I am a XXXX citizen, and I have never had any issues with law enforcement agency in the XXXX in my life time. I file this complaint and I need Citibank to give me reasons why it closed all my bank accounts and credit card accounts that caused me financial loss to fees and credit worthness.

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 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Fundo LLC
State: NC

Complaint narrative:
I am submitting a complaint against Fundo LLC for unfair and deceptive business practices related to a consumer loan. I received an advance of approximately {$1400.00} from Fundo. Despite making payments totaling {$520.00}, the company has inflated the balance to over {$3600.00} by adding excessive and unexplained fees, including a {$1000.00} block fee and a {$1500.00} default fee. I formally requested that Fundo stop debiting my bank account and revoked authorization for electronic withdrawals. Despite this, they continued attempting to withdraw funds, resulting in overdraft fees and financial harm. On XX/XX/XXXX, I sent a written demand to cease unauthorized debits and requested a full accounting. On XX/XX/XXXX, I sent a formal debt validation request. Fundo did not provide adequate documentation and continued collection efforts. The account statement reflects repeated fees, failed transactions, and escalating charges that appear punitive and unreasonable. The balance has grown far beyond the original amount borrowed. I believe these actions may constitute unfair and deceptive trade practices under North Carolina law, as well as potential violations of federal law. I am requesting that the Attorney General investigate this matter and assist in resolving the dispute, including reviewing the legality of the fees and stopping further collection activity. I am also requesting that Fundo be required to provide a lawful and accurate accounting of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: FL

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 XXXX 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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
Jefferson Capital received a default judgement against me in court I believe XX/XX/XXXX. They then proceeded to send out a writ of continuing garnishments to my employer. However they sent it to an organization that is not my employer exposing this to a non profit organization in town that consists of about XXXX members. I found out about it XXXX hand this last week after it was delivered on XX/XX/XXXX and got the paperwork sent over. This means my information that was sent out in error and shared with an organization I am not apart of was discussed by some members. They even sent the paperwork to a private residence owned by the XXXX XXXX of that organization. This is a small town and this potentially exposed my information to 10 % of our population. The garnishment was for {$1500.00} by Jefferson Capital Systems , LLC out of XXXX, XXXX with a reference number of XXXX and was sent to the non profit XXXX XXXX XXXX XXXX XXXX XXXX. The signing attorney on this was XXXX XXXX also out of XXXX and appears to be employed by Jefferson Capital. I would have had no problem paying this amount but am completely embarrassed and shocked that so many people are now aware of this action. Mentally I am struggling with this and am unsure of how that will work out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am submitting this complaint regarding the handling of my American Express account. On or around XX/XX/XXXX, my account was blocked without notice or consent. My physical card was disabled, my electronic card was removed from XXXX XXXX, and all chargesincluding autopay paymentswere declined, creating immediate disruption to my financial obligations. When I contacted customer service, I was first told no block existed. Later, I was informed my account had been flagged and that I must provide all bank statements from all accounts within 14 days, or my account would be closed. I requested all documentation related to this matter but was denied. I asked if alternative verification methods were available ; they stated they could request my IRS statement from the prior year but refused, claiming it would take too long. When I requested they proceed with the IRS documentation, I was again denied. On XX/XX/XXXX, I called to request an extension and once again requested copies of all signed agreements and records related to this matter. The handling of my account has been inconsistent, opaque, and burdensome. I have been an American Express cardholder since XXXX, with a current credit limit of {$27000.00} and a balance of {$5000.00}. The account block, denial of reasonable verification, and removal of my card have caused substantial disruption to my access to credit and financial stability. These actions may violate provisions of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws, which require fair and reasonable treatment in account management and dispute resolution. This situation is urgent and has caused undue hardship. I request prompt review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CIG FINANCIAL LLC
State: WA

Complaint narrative:
I put in an inquiry to sell my XXXX about a month ago online. I waited on that but got a call this week from XXXX at XXXX XXXX location. Very polite and communicative and said if my vehicle checked out theyd honor the offer still. I was mistaken about the location and drove to XXXX XXXX instead. I was greeted by XXXX. He said hed help me sell my car as had been quoted and did not address me looking for XXXX. XXXX offered me significantly less. I asked repeatedly for a book out and was told there are graphs the company follows at a buying center in Florida and they look at like 16 things and telling me graph is going down and mimicking the graph line with his arms. No book out or any additional info was provided. He asked how I felt about the price offered and when I tried to reply he kept talking over me and saying look I believe everything youre telling me and trying to move on instead of listening. He tried to refuse to negotiate higher unless I was going to also purchase from autonation, when I let him know I had just been told the offer I got by email would still be honored, he told me the person who offered it to me isnt the system and only the system has a say. He tried to convince me to delay selling to look at a vehicle that wasnt inspected or priced yet. He finally did negotiate and we did agree on terms. I began signing paperwork and then he disappeared for an extended period. He returned with his boss, a middle aged man with short black hair and glasses, who told me they were worried they would over pay my trade and it would delay them getting the title because I had a payment due the next day. I told them the bank would cut me a check for the difference. Mind you my payoff is XXXX and they were buying my car for XXXX. They kept saying they were trying to avoid it and theyd let me know soon. Shortly after, the manager was on speaker phone with another man who was saying he didnt care about my business and he didnt want to do the deal. When I heard this, I walked over to the managers desk and asked for my keys back repeatedly. He ignored my request and eventually walked away saying he cant make it go faster. I waited another XXXX mins and addressed that it seemed they were actually worried the payment wouldnt be made tomorrow and there would be a residual late fee and asked for my keys again. They acknowledge that was the actual truth. They never tried to discuss or find a solution and did not give me my keys. After I called that lie on their part out, they finally told me they didnt want to do the deal. They still tried to hold my keys telling me theyd do the deal if I made the payment due tomorrow first. I asked for my keys yet again and finally left. They then called me at XXXX XXXX the next day and text shortly after trying to get me to return.

Company response to consumer: Closed with explanation