vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I cashed settlement checks at a CheckSmart location. These checks were issued as part of a wrongful termination settlement with my former employer. At the time of cashing, the checks were accepted and I was paid without issue. 

On or about XX/XX/XXXX, CheckSmart claimed that the checks were returned unpaid ( refer to maker ). This was the first notice I received of any alleged issue with the checks. 

I immediately acted in good faith : I contacted the issuing employer, who stated the checks deposited successfully I contacted my attorney I contacted the CheckSmart store location I requested written proof that the checks had actually been returned unpaid Despite repeated requests, CheckSmart has refused to provide verification electronically, stating they could only print it out, and would not email documentation for my attorney. 

Instead, I began receiving aggressive and threatening calls from CheckSmarts collections department, including threats to : File a police report against me Pursue criminal charges Claim I was refusing to cooperate, despite my documented attempts to resolve the issue During a recorded call with a CheckSmart collections agent, I was told : That the law does not care whether I knew the checks were bad That I was solely responsible regardless of who issued the checks That police action would be pursued because I had not immediately returned the money That my attempts to work through my attorney were considered refusal to cooperate The tone of the call was hostile, aggressive, and intimidating. I was repeatedly spoken over, blamed, and threatened with police involvement in what is clearly a civil dispute. I am attaching an audio recording of this interaction. 

I dispute this alleged debt and have never refused cooperation. I have only requested proper documentation and verification so my attorney can address the matter appropriately. 

I believe CheckSmarts conduct constitutes : Harassment Misrepresentation of criminal liability Improper collection practices Refusal to provide reasonable verification of an alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
The week before Christmas, we were traveling to XXXX XXXX XXXX  with our kids. I could not access my Robinhood account and got alarmed that it was compromised. I put a notice on the account and asked someone to reach out to me. When they did not, my husband was trying to contact them the week between Christmas and New Years. I was finally able to receive a phone call, uploaded my photo ID, verified every piece of information they needed and accessed my account again. Within hours, I received notification that they were closing my account and they sold all of my stocks. There was and still has been zero communication as to why this was done. When I got off of the phone, I set up multiple layers of verification for the app and online access to provide layers of protection and then they cancel my account. I have been transferred about XXXX of the money and there is still over {$12000.00} sitting in my account that they are not communicating to me why this happened or how to get my funds. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: CA

Complaint narrative:
This account has been reported with conflicting and inaccurate information. In XX/XX/year>, the original creditor was listed as XXXX XXXX XXXX. The same account is now reported with Vance and Huffman LLC listed as the original creditor, even though Vance and Huffman LLC is a collection agency and not the original creditor. 
I disputed this account and requested verification, including the correct original creditor, proof of legal obligation, and documentation supporting the companys authority to collect and report this debt. The company did not provide this information, and the inaccurate reporting continues. 
This contradictory reporting makes the account unverifiable and inaccurate under the Fair Credit Reporting Act. I am requesting investigation and correction or deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FEDChex Recovery, LLC
State: PA

Complaint narrative:
I disputed an alleged medical debt with a third-party collector in writing and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The collector acknowledged my dispute but did not provide proper validation. They sent a blank or incomplete document and later claimed that supporting documentation was attached, but nothing was actually provided. 

Despite the debt remaining disputed and unvalidated, the collector continued collection activity, including repeated emails, text messages, payment demands, payment links, and warnings about possible escalation or legal review. The collector also misrepresented my rights by stating that I still had the option to dispute the debt, even though I had already done so, and by implying collection could continue while the dispute was unresolved. 

I requested that collection activity stop until validation was provided, but the collector continued contacting me and pressuring me to pay. I am filing this complaint because the collector has continued to attempt to collect a disputed debt without providing validation, in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
The 4 derogatory remarks and 18 hard inquiries are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX is trying to double dip and collect debt twice through XXXX different agencies opening claims within months of each other of last year.

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year> XXXX ; XXXX a.m. I contacted Regions Bank customer service to gain access to my account because the number on file was no longer available ; After updating to my new contact number and receiving verification code The mobile app notified me that the account ownerships could not be verified. I again contacted customer service at around XXXX This representative told me she could not find an account with my social security number and the account was closed. I explained how could the account be closed when I just gave new contact number and logged into account. The representative became argumentative so I asked to be transferred to the XXXX call center of the bank at XXXX. The representative stated my account was closed and she doesnt have to access the information because it was a joint account and I couldnt give husband social security number to gain further information as to why account was closed without notification, I then called back again to the Bank department to remove my new phone number out there system she refused to do so and stated the new number is attached to my social security number. I have a complaint XXXX, how could my information be accessed and accepted by the first banks representative who did not know the account was closed. There system should have been flagged and not allowed for the verification process Second, the XXXX female representatives from the fraud department I spoke to at XXXX on this stated date refused to remove my new contact number and still would not further assist me to explain company policies concerning this matter .All I know is banks get hacked and I refuse to have my new number and info lingering in a system the Bank claimed is closed but still accessible from their mobile app. I asked for the branch manager at the XXXX XXXX Louisiana location to speak directly however the representative stated I could talk to anyone and was quite condescending. I want my information removed and they refused to take it out their system.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Crow Creek Sioux Tribe
State: KS

Complaint narrative:
I have had multiple " checks '' printed and cashed against my account, even after debitpayments and the full {$400.00} payment have gone through. I paid {$400.00} on XXXX XXXX XXXX and not only has it not been reflected in my account, they have drafted ANOTHER check for {$56.00} They have charged my account in this manner 4 times in 3 weeks and yet my account still claims I am " behind '' by {$110.00}. 

I have no way of disputing those printed checks with my bank and I would like this matter resolved immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
on XX/XX/XXXX, the collection company called while i was at work, harassed me, forced to speak a louder to over talk him, my employer reprimanded me for spending XXXX minutes listening to him to discuss this account, after i told him i was at work. He continued to discuss saying this is the last time i will be calling to talk to you. i've told him i've sent several documentations to dispute the balance and was told we are not going to honor your dispute because the account was bought by us and we are going to get the money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I am submitting a complaint regarding CBHVs continued collection communications after I issued a cease-and-desist demand. 

On XX/XX/XXXX, I sent CBHV an email instructing the company to immediately cease all collection efforts and communications concerning the referenced account, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). In that notice, I directed CBHV to stop all forms of contact, including phone calls ( live or prerecorded ), text messages, emails, letters, and any outreach to my workplace, relatives, references, or third parties. I also revoked any prior consent to call or text my phone numbers, including by auto dialer or prerecorded voice, under the Telephone Consumer Protection Act. I stated that if CBHV is legally required to send a single final notice or advise me of specific legal remedies it intends to pursue, it may do so by mail only to my address and otherwise should not contact me again. I further requested that, if CBHV is reporting this account to any consumer reporting agency, they should update the tradeline to reflect that I dispute the account. 

Despite this notice, on XX/XX/XXXX I received another letter from CBHV seeking to collect {$4300.00}. As of today, CBHV has ignored my XX/XX/XXXX, cease-and-desist request and continued collection efforts. If CBHV is furnishing information about this account to consumer reporting agencies, it must reflect that the account is disputed ; failure to do so would be improper under the FDCPA ( 15 U.S.C. 1692e ( 8 ) ) and may implicate the Fair Credit Reporting Act.

I request the CFPBs assistance to : Require CBHV to cease all collection communications with me, consistent with 15 U.S.C. 1692c ( c ).

Ensure CBHV updates any tradeline to show the account is disputed.

Confirm CBHV has honored my revocation of consent under the TCPA. 
Investigate CBHVs compliance and provide a written response confirming corrective actions. 
I can provide copies of my XX/XX/XXXX, email and the subsequent CBHV letter for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Capital One Banks ongoing and inconsistent check hold practices on my checking account, which have caused me prolonged and repeated financial hardship. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am paid by check from the same business account, and I regularly make mobile deposits into my Capital One checking accountoften multiple deposits per week, sometimes up to XXXX. All checks are drawn from the same payer and the same account number. 

For over a year, Capital One has repeatedly placed extended holdsoften up to XXXX business dayson my larger check deposits, while smaller checks from the same payer are typically made available the next business day. I have never had a returned, reversed, or unpaid check or deposit on this account, and there is no history of insufficient funds or deposit-related issues. 

After filing a prior complaint, Capital One temporarily corrected the issue. For approximately XXXX weeks, my deposits from this same verified payer were approved and made available the same day. This demonstrated that there was no legitimate risk associated with my deposits. However, without any notice, explanation, or change in my deposit behavior, Capital One reverted to placing multi-day holds on my deposits. 

As of today, a deposit made from the same payer is being held for several days, and this pattern has continued consistently for the past XXXX weeks. This sudden reversal has caused renewed financial hardship and disruption. Notably, the extended holds worsened after I informed Capital One that I was considering turning the matter over to an attorney due to the ongoing nature of the issue. This raises concern that my account may be subject to arbitrary or retaliatory treatment. 

Despite repeated efforts to resolve this matter directly with Capital One, the problem persists. Given the consistent source of deposits, the absence of any returned items, and the prior period of same-day availability, these repeated delays appear unjustified and potentially inconsistent with federal funds availability regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX Bank XXXX XXXX XXXX. Sent a certified bank check which took several weeks to post. They continued to charge interest and auto pay. I called to request refund and close the account XX/XX/year>. Another payment has deducted from the bank account today. I have called customer service, sent a letter, and posted a message on their account login.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My autopay is set for what was my minimum amount due. This month, the minimum amount due was {$5.00} more than my autopay. They assessed a {$40.00} late fee for a {$5.00} discrepancy and I believe that isnt reasonable or fair. They refused to reverse the fee, and initially refused to transfer me to their complaints department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: KS

Complaint narrative:
Money Lion uses a deceptive practice when individuals are applying for " XXXX. '' When you select XXXX ; there is an option to " Leave a Tip '' with one of the selections " No Thanks I'll Tip Next Time '' If you select this it then goes to the next screen where you enter your information for how you would like the money and pay back date. On this screen it autopopulates a Tip Amount into the system even though you already said No. This selection is at the very bottom and is very easily missed. But if you catch and change to zero and hit next it will go to the final screen and Again prepopulates a tip amount even though you have selected no tip or 0 twice already. They are deliberately taking actions to try to fool or have you miss selecting this extra " TIP '' money. I believe they do this in a deceptive and immoral manner to deliberately fool and mislead customers in to tipping an imaginary source that they do not disclose who the tip would go to. I have sent two notices to Money Lion with no response either time.

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 2026-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am attempting to assume an existing solar home-improvement loan with GoodLeap but have been unable to do so due to a lack of response from the company. My first email requesting assistance was sent on XX/XX/XXXX, and the last response I received was on XX/XX/XXXX. Since that time, I have emailed daily with no response and contacted customer service by phone, where I was informed that the assumptions department does not have a direct phone number. I am scheduled to close on my home on XX/XX/XXXX, and was advised that the loan assumption process takes approximately 10 days. Because of GoodLeaps failure to respond, my ability to complete the loan assumption and close on time is now at risk, despite repeated good-faith attempts to resolve the issue directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
Our VA loan on the purchase of a new home was transferred immediately after the loan closed. We never issued any monthly, recurring payments to the lender we closed on the sale with : XXXX XXXX Mortgage. Planet Home Lending sent written communication to notify of the loan transfer. Our first statement was XX/XX/XXXX for a XX/XX/XXXX due date. This was paid using their online portal. On XX/XX/XXXX, we also enrolled in auto-pay, switched to paperless billing and updated contact information on the account for digital communication. We've learned that the auto-enroll was not saved successfully and so XX/XX/XXXX payment was missed. This was not caught by ourselves and Planet Home Lending confirmed that no late notices ( either written or paperless ) were sent to us as the lenders. Due to lack of awareness and notification, the issue persisted for XX/XX/XXXX payment. However, when we as the lender observed no funds had been withdrawn by XX/XX/XXXX we attempted to send in a manual payment through the online portal to correct the error and re-enroll in XXXX XXXX. On this date, the online portal was not accepting online payments without explanation and there was no information available for submitting payment over the phone. The following day, we attempted the system again and were able to successfully submit payment and resolve 100 % of outstanding payments. At the same date of payment resolution, Planet Home Lending sent their first and only late payment notice to us and simultaneously sent notice to the credit bureau. When we called to request a goodwill adjustment we were told Planet Home Lending does not consider XXXX XXXX adjustments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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