vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I am disputing the repossession and subsequent negative credit reporting by Toyota Financial Services. Prior to the repossession, I notified the creditor of a life-threatening medical emergency and subsequent 3-month recovery period that required significant out-of-pocket costs before my insurance activated. Despite this notification of 'Good Faith ' and my documented medical incapacity, TFS proceeded with a repossession while I was in recovery. Upon my attempt to resolve the account, TFS made it impossible to recover the brand-new asset. They are now pursuing a deficiency and damaging my credit, despite the fact that the vehicle was returned in new condition and should have satisfied the debt if sold in a commercially reasonable manner ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Credit Control , LLC is attempting to collect an alleged XXXX XXXX XXXX . account ending in XXXX that I never authorized to be reported or pursued against me. I am demanding accountability. A company can not simply assign a debt to my name and begin collection efforts without first establishing lawful authority and legal liability. This situation has caused serious financial and emotional harm. My credit standing is being negatively impacted, my ability to make financial decisions is being affected, and I am being forced to defend myself against a debt I did not consent to. I am requesting full validation under 15 U.S.C. 1692g, including complete documentation proving I am legally obligated and that Credit Control , LLC has the legal right to collect. Continuing to pursue collection without first meeting the strict validation requirements of the Fair Debt Collection Practices Act is a direct violation of federal law. Collecting or attempting to collect a debt without confirming accuracy and lawful authority is deceptive and abusive conduct. I am also demanding clarification on how my personal information was obtained and used without establishing permissible purpose. I will not accept collection pressure without proof. If these violations continue, I am prepared to pursue legal remedies under federal law for damages.

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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NM

Complaint narrative:
1 ) I was notified by XXXX that a debt collector was attempting to collect debt 2 ) I called the debt collector immediately ( Columbia Debt Recovery LLC ) and was told this was in regard to a debt owed to an apartment agency in XXXX. I have never lived or applied to live in XXXX or authorized anyone to do this in my name. This is identity theft. I owned a medical practice in XXXX XXXX, XXXX where I live and did so at the time of this application. The representative told me to email XXXX and let them know it was fraud and to ask what else I needed to do. I did so on XX/XX/XXXX. 
3 ) I reached out again via email on XX/XX/XXXX to the same email above. 
4 ) I called Columbia Debt Recovery LLC on XXXX XXXX. It became clear that this company was not working to resolve the issue. I then emailed and certified mailed a Formal Dispute and Fraud Notice to which I attached an FTC Identity Theft Report. I asked that they provide me with a copy of the application bearing my signature. 
5 ) When they finally contacted me on XX/XX/XXXX, they continue to try to seek payment for a total of {$160.00} despite this being fraud. They did not provide me with an application bearing my signature. The application they attached had the following errors- a. This application was completed in my maiden name and not my legal name. ( My legal name has been XXXX XXXX XXXX since XXXX. ) b. Incorrect DOB. The second representative supposedly verified who I was via my DOB which is unfortunate as she apparently did not verify it correctly. 
c. Incorrect phone number- I have never had this phone number- XXXX. 
d. Incorrect email- I have never had this email address- XXXX. 
e. Driver 's license appears to be from XXXX. I have never held a XXXX driver 's license. 
With all of these errors, you would think XXXX XXXX would work to resolve this. With a quick search of their business practices, it seems they are in the habit of attempting to collect debts they are aware of fraud. Given I have taken all appropriate steps without resolution, I am filing a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing a complaint against Ally Bank for improperly denying reimbursement for an unauthorized electronic fund transfer in violation of Regulation E ( 12 CFR 1005 ). 

On XX/XX/XXXX, my Ally Bank XXXX XXXX  was used for a Point-of-Sale transaction in the amount of {$760.00} at XXXX XXXX XXXX, XXXX XXXX This transaction was fraudulent and was not authorized by me. I did not make this purchase, was not present at the merchant location, and did not provide my debit card or authorization credentials to any person. 

I reported the unauthorized transaction promptly to Ally Bank on XX/XX/XXXX. Ally Bank issued a provisional credit on XX/XX/XXXX, but on XX/XX/XXXX, they reversed the credit, claiming the transaction was authorized and correct. 

Ally Bank has not provided any evidence demonstrating that I authorized this transaction, such as : Verified PIN entry Signed receipt Chip authentication proof attributable to me Device, IP address, or geolocation evidence linking the transaction to me Under Regulation E, the burden of proof is on the financial institution to demonstrate that the transaction was authorized. Simply asserting that the transaction was authorized without providing supporting evidence does not satisfy their obligation under federal law. 

I exercised reasonable care in safeguarding my debit card and reported the fraud promptly. Ally Banks refusal to reimburse the unauthorized electronic fund transfer improperly shifts liability to me, contrary to Regulation E consumer protections. 

I am requesting that Ally Bank : 1. Reimburse the full {$760.00} unauthorized transaction immediately 2. Provide documentation supporting their authorization determination 3. Confirm correction of my account balance Ally Bank has failed to comply with its obligations under Regulation E, and I am requesting CFPB assistance to resolve this matter.

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 2026-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: NY

Complaint narrative:
I am receiving repeated calls regarding an alleged debt, negative impact to my credit score. I've requesting numerous times to resubmit to insurance company for payment. Company refuses to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Atlanticus Services Corporation
State: SC

Complaint narrative:
I financed clear aligner orthodontic treatment through Fortiva in XX/XX/year> for approximately {$2500.00} to receive treatment from XXXX. I have been making monthly payments of {$100.00}. As of today, my balance remains approximately {$2400.00} due to high interest charges. 

On [ XX/XX/XXXX ], I contacted XXXX requesting replacement aligners to continue my treatment. XXXX responded in writing that my clear aligner therapy is no longer active and that my previous treatment plan has expired, and they are unable to process my request. They are refusing to continue treatment and are only offering retainers. 

I did not receive completion of the full treatment I financed. I am still being required to pay the full loan balance to XXXX for services that were not completed. I contacted both XXXX and XXXX, and both stated they can not assist me. 

I am disputing this debt because the underlying service tied to this loan has been terminated and not fully delivered. I am requesting that Fortiva investigate this matter and adjust or cancel the remaining balance accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Subject : Unauthorized Hard Credit Inquiry by OneMain Financial and Improper Reporting by XXXX I am filing this complaint regarding an unauthorized hard credit inquiry performed by OneMain Financial on XX/XX/year>, which is still reporting on my XXXX credit file. I authorized only a soft inquiry during the loan application process. However, OneMain performed a hard inquiry before the application was completed, without proper disclosure or consent. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires clear, informed authorization before a hard inquiry is made. The inquiry was conducted prematurely, without my knowledge, and before I had the opportunity to review or complete the application. This improper access to my credit file resulted in a loan denial, a credit score impact, and ongoing harm. 

I contacted OneMain Financial multiple times, including their XXXX XXXX XXXX XXXX XXXX, and provided documentation showing that the hard pull occurred before the application was completed. Despite this, OneMain has refused to remove or correct the inquiry. I also filed an FTC Identity Theft Report and submitted a dispute letter, but the inquiry remains on my XXXX report. 

XXXX continues to report the unauthorized inquiry, even though OneMain has not provided proof of permissible purpose or proper authorization. 

Requested Resolution : Removal of the unauthorized hard inquiry from my XXXX credit report. 

A written explanation from OneMain Financial showing proof of authorization, or confirmation that no such authorization exists. 

Correction of any negative impact caused by the unauthorized inquiry. 

Assurance that OneMain will not access my credit file without proper disclosure and consent in the future. 

A review of OneMains application and disclosure procedures to prevent similar violations. 

This matter involves improper access to my credit file, failure to obtain proper authorization, and failure to correct inaccurate information. I am requesting CFPB assistance to compel OneMain Financial and TransUnion to comply with their obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Westlake Services, LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, I enrolled in clear aligner orthodontic treatment with Byte and financed approximately {$2500.00} through a third-party lender to pay for the treatment. I began treatment but did not complete the full aligner plan. 

On [ XX/XX/XXXX ], I contacted Byte to request replacement aligners so I could continue my treatment. Byte responded in writing that my clear aligner therapy is no longer active and that my previous treatment plan has expired, and they are unable to process my request. They refused to continue treatment and stated they could only assist with ordering retainers. 

I did not receive completion of the orthodontic treatment that I financed. Byte has terminated my treatment plan and refused to provide the remaining aligners, despite the fact that I am still responsible for paying the full loan balance associated with this service. 

I attempted to resolve this directly with Byte, but they stated they could not assist further.

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Account : XXXX Collateral : XXXX XXXX ( VIN ending XXXX ) I am submitting this complaint, as an individual consumer, regarding improper repossession procedures, failure to provide required statutory notices, inaccurate credit reporting, and continued reporting of an allegedly deficient balance following disposition of collateral. 

There has been a Failure to Provide Required Notice of Sale. Under UCC 9-611 and 9-613, a secured creditor must provide reasonable authenticated notice prior to the disposition of collateral. I did not receive any pre-sale notice, nor any post-sale accounting. 

There has also been Failure to Provide Commercially Reasonable Sale Documentation Under UCC 9-610, the creditor must conduct a commercially reasonable sale. I have not been provided : Date of sale Sale price Method of sale Fair market valuation Itemized accounting The account continues to be reported with a balance despite the Repossession and sale of collateral, Pending disputes and Multiple written disputes were submitted prior to and after repossession. No meaningful investigation was conducted, No proof of compliance with Article 9 and I believe This may violate : 15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA duty to report accurately and investigate disputes )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.

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 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to bring to your immediate attention the concerning findings upon reviewing my credit report. After a thorough examination, I have discovered a significant amount of inappropriate, misleading, inaccurate, and incomplete information that has been reported. This distressing situation has resulted in potential employers denying my applications, thereby placing my family 's well-being at risk. It is disheartening to realize that the very company entrusted with ensuring accuracy and fairness, as mandated by the Fair Credit Reporting Act under 15 U.S.C. 1681e, has allowed such unacceptable information to be included in my credit report.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mirand Response Systems, Inc.
State: TX

Complaint narrative:
Today Monday XX/XX/year> at XXXX XXXX  central standard time, I returned a missed call and it was Mirand Response Systems that had initiated a call to myself regarding a debt, I told the representative to cease and desist any and all contact at which point the representative told me, they will continue to call until the debt is paid. That is against my rights and protection as a consumer. I tried to contact the company via contact us link on their website and found that there is an error sending messages through that link. Below is a copy of the message I attempted to send. 

To whom it may concern : Cease and desist! The representative tried to undermine me and stated that they will continue to call until the debt is paid. There are legal rights that I have and this kind of behavior violates those rights. This is a formal request to stop any and all contact from MRS or any of its subsidiaries or agents. 
Respectfully, XXXX XXXX XXXX, I do not want any continued contact from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My home mortgage was purchased by Lakeview subserviced by XXXX XXXX XXXX. My homeowners insurance renewed XX/XX/XXXX. My coverage is with XXXX.My XXXX coverage was paid by Lakeview on XX/XX/XXXX in the amount of {$2600.00}. On XX/XX/XXXX Lakeview subserviced by XXXX XXXX performed an escow analysis on my account ( see attachment ) and entered my HOI renewal amount as {$5700.00} this caused a shortage in my escrow balance and divided this amount into 12 annual payments which in turn caused my mortgage to go from {$1800.00} to {$2200.00}. When I noticed the change it was when I was about to make my normal payment because I received notice of the increase. In the current economy this type of change in monthly income hurts my family budget. When I contacted this mortgage company about this issue they told me I needed to put this in WRITING for someone to review and then call them back in a week to see if the issue has been investigated. Today after making multiple request to speak to someone who had the ability to look into this issue I was transaferred to the " insurance dept '' and she stated she needed to contact my HOI carrier to confirm even though I called first thing this morning and the first person I talked to read the amount and then emails and mailed me a copy of my HOI declaration which I already have. The issue here is Lakeview subserviced by XXXX XXXX knew the correct amount to send payment to my HOI carrier but somehow didnt do the research to complete an accurate Escrow analysis that negatively impacts my family. Not to mention we didnt pay the amount {$2200.00} we would be hit with late fees and and negative credit reports by Lakeview subserviced by XXXX XXXX XXXX I want my complaint to be on record and looked into and I want my account corrected ASAP because after my phone calls today I have no faith this is being addressed. I receved a bunch of canned apologies and the nerve to ask me if " they answered all my questions '' so I know the people they have answering these calls are ill trained, far removed from empathetic, lack critical thinking and on script. Please bring this matter to their attention. I have been with this company for less than a year and not by choice and I find this to be very troubling. Please help.

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