vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I engaged in a consumercredited transaction at XXXX XXXX XXXX and was denied credit. 

I am filing this complaint regarding repeated issues I have experienced at XXXX XXXX XXXX in XXXX, Florida, during my attempts to obtain financing for a vehicle. Over the past five years, I have attempted to finance a vehicle from this dealership on three separate occasions, including my most recent attempt on XX/XX/year>. Each attempt has resulted in the same pattern of conduct that raises concerns about unfair, deceptive, and potentially discriminatory credit practices. 

Each time I applied, I clearly stated that I wished to finance the vehicle and expected the dealership and its affiliated lenders to evaluate my application using my Social Security number for the purpose of determining available credit options. Instead, the dealership repeatedly ran my credit, did not disclose any information about the credit evaluation or available financing options, and then told me that my income or credit report disqualified me. I was not offered any alternative financing options, nor was I provided any transparency regarding the criteria used in the decision. 

During my most recent visit, a sales representative explicitly stated : We dont show our customers their credits. This statement, combined with the repeated pattern of running my credit, damaging my score, and sending me away without any meaningful explanation or consideration, raises concerns about compliance with the Equal Credit Opportunity Act ( ECOA ) and Regulation B. I believe I may have been subjected to discouragement and unequal treatment, including potential agebased discrimination, as my stated intent to finance the vehicle was repeatedly dismissed.

I did not receive a clear or specific adverse action notice explaining the reasons for the denial, as required under Regulation B. I was also not provided with any documentation or explanation of the underwriting criteria used to evaluate my application.

I am submitting this complaint in good faith and request that the CFPB investigate the dealerships credit evaluation practices, adverse action procedures, and compliance with ECOA and Regulation B. I also request that the Bureau review whether the dealership is providing proper disclosures, treating applicants fairly, and offering equal access to credit without discouragement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: AE

Complaint narrative:
On XX/XX/year>, a payroll deposit in the amount of {$2000.00} was sent via ACH to my account. This was a legitimate W-2 salary payment issued through XXXX  by my U.S. employer .

The funds have remained in pending status for over eight days despite confirmation that all required documentation has been received Upon request, I immediately provided all documentation, including my XXXX payslip and employment verification. The company has confirmed that all required documents have been received and that no additional information is needed.

Despite this, the funds remain inaccessible. I have not been provided with a clear regulatory or legal basis for the extended hold, nor have I been given a defined timeframe for release.

As a result, I have incurred financial harm, including late fees, declined payments, and hardship due to lack of access to earned wages needed for essential expenses.

I am requesting immediate review and release of the payroll funds if no lawful restriction applies, along with a written explanation of the basis for the hold and confirmation of when the funds were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I am filing this complaint against CREDIT BUREAU XXXX XXXX XXXX  for unlawful debt collection practices and for reporting inaccurate and unverified information on my consumer credit reports. 

This company is attempting to collect an alleged debt that has never been properly validated as required by federal law. I requested verification and validation of this alleged account, including proof of contractual obligation, chain of assignment, itemized accounting, and documentation establishing their legal authority to collect. The company failed and refused to provide any competent evidence to substantiate the alleged debt. 

Despite the lack of validation, the company continues to report this account to consumer reporting agencies, which is a violation of the Fair Credit Reporting Act ( FCRA 1681i ) requiring accurate and reasonable investigation of disputed information. Reporting unverified information as accurate constitutes negligent and willful noncompliance with the FCRA.

Furthermore, their actions violate the Fair Debt Collection Practices Act. By attempting to collect without proper validation and by furnishing misleading credit information, the company has engaged in false, deceptive, and misleading representations in violation of FDCPA 1692e. Continuing to demand payment without lawful proof constitutes unfair and unconscionable collection activity in violation of FDCPA 1692f. Additionally, the manner in which this debt has been pursued and reported fails to comply with lawful collection communication standards under FDCPA 1692b.

I dispute the accuracy, validity, and legal enforceability of this alleged account in its entirety. No contract, signed agreement, or admissible documentation has been produced showing I owe any balance to this collector. Until and unless proper validation is provided, continued collection activity and credit reporting are unlawful.

I demand the following resolution : Immediate deletion of this collection account from all consumer credit reporting agencies Immediate cessation of all collection activity Written confirmation that the account has been permanently removed Confirmation that no further attempts to collect this unverified debt will occur The continued reporting of unverified and inaccurate information is causing harm to my creditworthiness and constitutes ongoing violations of federal consumer protection law. I request CFPB intervention to ensure full compliance with the FCRA and FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my savings account experienced multiple disputed debit card transactions and related overdraft issues. I reported unauthorized or incorrect debit card charges and the bank opened investigations under Regulation E. 

In XX/XX/XXXX, the bank acknowledged several disputes and issued provisional credits. The bank then sent requests asking me to provide merchant receipts, cancellation confirmations, and proof of merchant contact, but did not explain whether these requests paused the investigation or why the banks own authorization and network data was insufficient. 

For XXXX disputes involving identical charges ( {$25.00} each ), the bank later ruled in my favor and made the credits permanent. However, for another dispute involving a {$240.00} charge, the bank reversed the provisional credit and issued a no error determination effective XX/XX/XXXX, without providing authorization logs, merchant responses, network reason codes, or a clear explanation for the different outcome. 

Throughout this process, important notices and deadlines were sent through secure messages that required portal access and did not include full content in the email notices. I also received negative balance and insufficient funds alerts while disputes and provisional credits were active, creating fee risk tied to the disputed transactions. 

I repeatedly requested documentation and explanations supporting the banks decisions, but the bank did not provide the requested information.

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 2026-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have made 4 payments towards principal only. Wells Fargo will take a monthly payment out of the principal payment WHEN THERE IS NO PAYMENT DUE. I have contacted Wells Fargo several times in an attempt to rectify this issue with no results. Wells Fargo states they will call me back, but they do not. I have already submitted a complaint to you. You have done nothing. WHAT IS THE POINT OF THIS AGENCY IF YOU HELP ACOMPLISH NOTHING????? 
I ALSO WOULD LIKE THE GOVERNMENT TO LOOK INTO WHY WELLS FARGO TAKES SEVERAL BUSINESS DAYS TO GIVE A PAYOFF LETTER. THIS SHOULD SERIOUSLY BE AGAINST THE LAW. I HAVE PURCHASED MANY VEHICLES IN MY LIFE AND THE BANK HOLDING THE NOTE GAVE THE DEALER A PAYOFF IN XXXX MINUTES OR LESS. I KNOW WHY WELLS FARGO TAKES DAYS TO GIVE A PAYOFF LETTER. IT IS BECAUSE THEY MAKE MORE DAYS ON INTEREST. SERIOUSLY, HOW CAN THE GOVERNMENT ALLOW THIS???????????????????????????????????

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 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I selected 'False statements or representation ' because this collector is engaging in illegal duplicate reporting. They are reporting the same alleged debt under XXXX separate trade lines, which falsely doubles the amount owed and misrepresents the character of the debt. This violation has caused my credit score to drop below XXXX, resulting in actual financial damages. 

Additionally, this debt is unverified. I sent a formal Verification of Debt request on XX/XX/year> pursuant to 15 U.S.C. 1692g. The collector failed to provide validation but continued collection activity. I am requesting the immediate deletion of BOTH duplicate trade lines due to these FDCPA and FCRA violations. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am a XXXX Year old XXXX individual. On XXXX owing on two credit cards. I recieved two letters 1. XXXX XXXX XXXX XXXX XXXX which is a debt collection agency in which XXXX XXXX reported on XXXX XXXX that I am XXXX and they are attempting to locate my Estate or executor Or persons Authorized to act on my behalf. I am not XXXX. 2 : Orig. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Reported to debt collection agency on XX/XX/year> XXXX XXXX XXXX XXXX that I am XXXX. I am not XXXX and they are also attempting to locate my Estate or executor Or persons Authorized to act on my behalf. I am not XXXX. Please see attachements XXXX XXXX my phone number has changed XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
ALLY COMPANY DID NOT VALIDATED THE DEBIT. ASKING FOR A NOTARY SIGNED PROOF OF CLAIM. THE TRUE CERTIFIED COPY WAS NEVER PRESENT NOTARY COMMISSION STAMP OR NORTARY NUMBER. I sent a proof of claim recorded into an official record file number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XX/XX/year> I closed on a XXXX  home loan. Since XX/XX/year> Ive lived in the house. The deed never recorded. Every single companytitle company, mortgage servicer, real estate agentrefused to tell me why. 
Paradise Coast Title : XXXX ignored four simple questions. Sent docs to a hacked e-mail I dont control. 
PennyMac : loan number XXXXdoesnt show up in their system ; agent XXXX ( aka XXXX XXXX hung up when I asked to record. 
XXXX XXXX : held keys before we moved in ; delayed us three months, then left toilets packed with Raid and plumbing wrecked. Never heard of them. Didnt authorize. 
XXXX Mortgage : Original Loan Company. XXXX XXXX not returning calls. 
XXXX XXXX XXXX : XXXX XXXX not responsive. 
Recordings of calls available. 
I need the deed recorded or the ghost loan declared invalid. Until that happens, no paymentstitle insurance should eat the loss. I will sign complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I previously filed a CFPB complaint regarding inaccurate credit reporting on a vehicle-secured loan. Prior CFPB case number : XXXX. That complaint remains unresolved and the lender has still not provided documentation verifying the reported balance. 

After the prior complaint, the lender contacted me by phone on XX/XX/2026 at approximately XXXX XXXX During that recorded call, the lender admitted it can not locate the vehicle collateral, has no documentation showing receipt or disposition of the vehicle, and can not provide records supporting the charged-off balance. 

During the same call, the lender referenced conflicting internal notes ( including an allegation that the vehicle was wrecked and statements that the vehicle was of low value ), while simultaneously admitting the vehicle was never received and can not be accounted for. No documentation supporting these statements was produced. 

I again requested written verification of the reported balance, including an accounting showing how the charged-off amount was calculated and an explanation for inconsistent balances being reported ( {$13000.00} versus {$16000.00} ). The lender stated it could not provide any documentation and asserted verbally that the reporting was accurate. 

The lender has still not provided a written response through the CFPB process or any documentation verifying the accuracy of the reported balance. Despite this, the lender continues to report the charged-off account. I am disputing the reporting because the lender can not verify a balance on a secured account without accounting for the collateral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
On XX/XX/year>2024, I leased a Mercedes-Benz vehicle from XXXX of XXXX through Mercedes-Benz Financial Services ( XXXX ) . After reviewing the contract, I discovered that several mandatory federal and state disclosures were missing or incorrect. The dealer failed to disclose my trade-in valuation, failed to itemize the {$6000.00} due at signing, included unauthorized add-on products, and left required sections of the contract blank. 

Most importantly, the contract falsely stated that the vehicle was provided AS-IS with no warranty, even though Mercedes-Benz later confirmed in writing that the vehicle carried an active Certified Pre-Owned ( XXXX ) warranty at the time of sale. This is a material misrepresentation and violates the Consumer Leasing Act, Regulation XX/XX/XXXX the Magnuson-Moss Warranty Act, and Georgia motor vehicle disclosure laws. 

I requested documentation from XXXX and XX/XX/XXXX, including the missing trade-in disclosure, the capitalized cost worksheet, warranty documents, and authorization forms for add-ons. None of this information was provided. Because the contract contains false and incomplete disclosures, I issued a rescission notice. XXXX refuses to honor rescission and continues to enforce a defective lease that they can not verify to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: UT

Complaint narrative:
I noticed I had an open collections case on XXXX XXXX. I logged into XXXX XXXX and I was able to pay and settle open collections with different companies. However there is one that indicates I must call because there is a pending court date and the only contact information was a number I could call. I have probably called over 10 different times multiple days in a row. I speak to different agents and supervisors. My issue is I agreed to pay the amount and they would only accept payment by using my account number and routing number and no other way. I agreed and provided the information and agreed to pay the full amount. They keep telling me they will send me an email in 24-48 hours, I have not received anything, the payment has not been taken out, I called my bank and they dont see anything either. I keep calling back and trying to sign in or register an account online at jmlaw.com and I keep getting an error message. I ask the agent why cant I log in online to see what they are telling me, one agent just said sorry I dont know, one agent asked that I take a screenshot of the error message and send an email, I get an email reply hours later saying sorry to help with your issue please call us. I keep calling and they keep telling me 24 to 48 hours. They are all Indian ( which is fine ) but makes me a little worried about potential scams. I dont know what else to do, I feel like I just called some random people and Im not sure who I just paid. Payment is still not taken out but Im scared they have that information. Please help, here is there number ( XXXX ) XXXX ( they have many ) and here is the company name : XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/2026, I provided Mountain America Credit Union with printed out wire information from XXXX XXXX  Mountain America sent the {$5.00}, XXXX pay off amount to XXXXXXXX XXXX. Within hours the wire was rejected due to the wrong information that was imputed by the Mountain America teller. I agreed to the initial {$15.00} fee. Mountain America then called XXXXXXXX XXXX and was told what they did wrong, so Mountain America rewired the money the next day successfully. 
Today, XX/XX/2026, I noticed that the money that came back into my Mountain America account when the initial wire was rejected was {$50.00} less than what was originally wired. I went straight to Mountain America and showed them what happened. They admitted the mistake the teller made, but refused to take any responsibility for the {$50.00} loss that resulted from their mistake. The person at Mountain America simply said 'people make mistakes '. He insisted that XXXX Bank, who is listed as the Beneficiary, or XXXX XXXX XXXX XXXX XXXX XXXXXXXX, who was listed as the Beneficiary Financial Institution took that fee out. 
I called XXXX today as well and they claimed that when they reject a wire, they reject the whole amount and don't take anything out. They said our bank took it out. This seems to be a lie. I believe XXXXXXXX XXXX XXXX took the fee out of our initial wire without any notification at all. We never agreed to any such fee and never would have. If we had known we could not trust a bank to take responsibility for a mistake, we would never bank with them and would never trust them to wire anything. We paid our bank 's fee for a successful wire of funds. They made a mistake which resulted in an unsuccessful wire which resulted in an unknown fee that they would not take responsibility for. 
XXXX somehow uses XXXX XXXX XXXX XXXX XXXX XXXXXXXX who charged this fee. 
If a reject fee is charged to a bank 's wire due to their mistake, shouldn't they be responsible for the fee? Also if this XXXX XXXX XXXX XXXX XXXX has such a fee for a simple rejection, shouldn't the consumer be advised that this is a possibility so they can avoid it? 
FYI : The initial wire was done by Mountain America Credit Union XXXX. It was rejected that same day. Then Mountain America resent the wire on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In according to the fair reporting act this creditor has violated my rights. Under XXXX USC XXXX section XXXX states that, I have the right to privacy. 
XXXX USC XXXX section XXXX A section XXXX it also states that consumer reporting agency can not furnish an account without my written instructions. 
XXXX USC XXXX XXXX a creditor may not treat a payment on a credit card account under open and consumer plan as late for any purpose.

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 2026-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Always be denied with the same reasons as identity verification, under review.. 
it is unfair and discriminated.

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