vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 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: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
I am submitting this complaint regarding an auto loan that was funded after I attempted to withdraw authorization prior to funding. 

On Monday, XX/XX/XXXX, while the loan was not yet funded, I contacted the dealership, XXXX XXXX, and XXXX XXXX XXXX to communicate that I wished to withdraw authorization to proceed with funding of the transaction. 

During these communications, I was advised that the matter would need to be handled through the dealership. I clearly communicated to the dealership that I did not wish to proceed with funding. Rather than addressing my withdrawal of authorization, the dealership focused discussions on vehicle repairs and continued the transaction. 

Before any reliability issues arose and before I sought to withdraw from the transaction, I invested significant funds in non-essential, enjoyment-based vehicle modifications. These modifications were made during a period when I fully intended to keep, use, and enjoy the vehicle, and they reflect my good-faith reliance on the transaction proceeding normally at that time. 

My later decision to withdraw authorization occurred only after subsequent concerns arose regarding reliability and financial feasibility. 

My subsequent decision to withdraw authorization was based on legitimate concerns regarding reliability and financial feasibility. This was my second vehicle in less than two months, and as a college student, I can not reasonably afford a vehicle that may require extended periods in the shop. Given issues experienced with my prior vehicle, it was reasonable for me to hesitate to proceed once reliability concerns arose. 

Despite my attempt to withdraw authorization prior to funding and my efforts to resolve this directly through the dealership, XXXX XXXX, and XXXX XXXX XXXX, the loan was subsequently funded. 

I am disputing the funding process and authorization timeline and am requesting that XXXX XXXX or XXXX XXXX review call records, internal notes, and dealership communications to determine why funding proceeded after I attempted to withdraw authorization prior to funding. 

XXXX XXXX XXXX has my case file with repeated attempts to get in contact with dealer, what they said, and lack of ability to get in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY DISPUTING THE COLLECTION ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DO NOT BELONG TO ME. I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2024, I did a reservation for tire change and at a well known tire shop for the amount of {$480.00} and this turned in to {$2000.00} with scam charges and misleading information. I contacted my bank for this matter and they never find out anything about it instead they are charging me for the money returned back to me but I took this case to the consumer affairs and they sent it to the attorney general and the attorney general sent it to XXXX who actually resolved and charged the tire shop for the scam and misleading practices. My bank felt to protect me as customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I received text messages from XXXX XXXX collection about a spectrum bill. I do not have spectrum services. Recently, my credit report is showing that I have a debt collection. None of this was my doing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX. 
Account : XXXX Alleged Amount : {$610.00} Reported As : Other Account I am filing this complaint against Midland Credit Management XXXX XXXX for unlawful, misleading, and unverifiable credit reporting. 
XXXX is reporting this account on my credit report as an Other Account. That description alone is materially misleading. There is no such account type recognized under Metro-2 reporting standards for consumer credit obligations. XXXX is a collection agency and junk-debt buyer, not a lender. Reporting a collection account under a vague, undefined category is deceptive and violates XXXX accuracy and completeness requirements. 
I have no knowledge of this alleged debt. I never received any written notice from XXXX prior to this account appearing on my credit report. Under FDCPA 1692g ( a ), XXXX was required to send written notice within XXXX ( XXXX ) days of initial communication identifying : The original creditor The amount of the debt My right to dispute My right to request validation This never occurred. The first notice I ever received was credit reporting, which is unlawful. This violation alone carries statutory damages of up to {$1000.00}. 
I have requested proper validation of this alleged debt for well over 90 days. XXXX has provided nothing that meets federal validation standards. Through my own research, I am fully aware that lawful validation must include : Name and address of the original creditor Copy of the original signed agreement or application Complete itemized accounting of the balance Date of first delinquency Proof of assignment or bill of sale showing XXXX ownership Proof of collection authority Proof of mailing of the FDCPA notice Proof the debt is legally enforceable XXXX has produced none of this. 
XXXX is XXXX of the largest junk-debt buyers in the country. This company knows exactly what proper validation requires. The failure to provide it is not accidental it is deliberate. 
By continuing to report this account without validation, XXXX is violating : FDCPA 1692g ( a ) and ( b ) FCRA 1681e ( b ) maximum possible accuracy FCRA 1681s-2 ( b ) duty to investigate FCRA 1681i reinvestigation requirements Metro-2 standards accurate, complete, non-misleading reporting Reporting an unverifiable collection account as Other Account is materially misleading, inaccurate, and non-compliant. 
Midlands entire business model relies on purchasing incomplete data portfolios and reporting them without documentation. CFPB should already be aware of Midlands extensive history of enforcement actions, lawsuits, and consumer complaints for exactly this conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XX/XX/XXXX I tried to use my Truist card at a Truist ATM and it said it couldn't read my card. I went to XXXX others nearby and they said the same. I was trying to deposit XXXX XXXX I called Truist who stated this was due to the XXXX program ending and inactivity. I used my card on XX/XX/XXXX to buy groceries. 

On the Truist site it states that I have access to the XXXX program until XX/XX/XXXX and that damage to the card or issues with the card would still be replaced with a XXXX debit card until XX/XX/XXXX. 

On the phone call I was told multiple times that they wouldn't honor this because it was due to inactivity on the account even though they acknowledged that I used it on XXXX. The. They stated the account was closed but also open and that I could put money in..... without an atm. Take a day off work or have my husband to do that. As of we don't both work XXXX hours. 

She also talked to another department and they told her no they can't honor their own FAQ. She went back and forth on the reasons I couldn't use my account then said that it was because of a XXXX balance for 30 days except I was never informed of that being the case or of that being a stipulation to the account. I have had this account since early XXXX and never had that be an issue until the closed my debit card early. 

I repeatedly asked her if actually knew what was going on and she insisted they couldn't issue me a new card even though their own website said they could and I informed her I can not transfer from my other bank because it is XXXX $ to do so and that I can't take time off work just to go to the bank.

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 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
I am submitting this complaint regarding Ally Financials failure to comply with the Truth in Lending Act ( TILA ), XXXX5 U.S.C. 1635 and 1640, following my lawful notice of rescission. 
On XX/XX/year>, I served Ally Financial with a written Notice of Rescission based on material disclosure violations, including an inaccurately disclosed XXXX that exceeded Regulation Z tolerances. The notice was properly delivered via certified mail. Under federal law, rescission is effective upon notice, and Ally was required within 20 days to ( XXXX ) return all amounts paid, ( XXXX ) cancel and release any security interest or lien, and ( XXXX ) provide a full accounting. 
Ally Financial failed to take any of the actions required by law within the statutory timeframe. They did not acknowledge the rescission, did not provide an accounting, did not return payments, and did not release the lien on the vehicle. 
After additional written notices and a formal notice of default, Ally again failed to cure. Instead, Ally sent a generic response stating that my prior correspondence was not legally binding and that they would not respond, without addressing the rescission, the statutory violations, or their obligations under federal law. 
As of today, Ally Financial continues to assert or retain a security interest in the vehicle despite the rescission having been exercised and not contested through any court action. This constitutes ongoing noncompliance with TILA and an improper cloud on title. 
I am requesting CFPB assistance to require Ally Financial to : Acknowledge and honor the rescission as required by law ; Release and cancel any lien or security interest immediately ; Provide a full accounting of all payments made ; and Return all amounts paid in accordance with 15 U.S.C. 1635 and 1640.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to formally dispute multiple 30- and 60 and 90-day late payment notations currently appearing on my consumer credit reports maintained by XXXX XXXX XXXX XXXX XXXX. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to ensure maximum possible accuracy of the information reported. After reviewing my credit reports, I identified several late payment entries reported by [ Furnisher Name ( s ) ] that I believe are inaccurate, incomplete, and/or unverifiable.

The reporting of these late payments does not accurately reflect the account history and lacks sufficient documentation to substantiate the delinquency being reported. In addition, the reporting appears to be inconsistent with Metro 2 Credit Reporting Resource Guide standards, which require furnishers to : Accurately report payment history using proper Date of Delinquency Ensure consistency between account status, payment rating, and historical delinquency fields Avoid reporting misleading or incomplete delinquency information Reporting late payments without proper Metro 2 compliance results in incomplete and misleading information being furnished to consumer reporting agencies, which violates the accuracy and completeness requirements of the Fair Credit Reporting Act.

Pursuant to 15 U.S.C. 1681i, I am requesting that Experian, Equifax, and TransUnion conduct a lawful and reasonable reinvestigation of these late payment entries and require the furnishers to provide competent evidence that the reporting is accurate, complete, and fully compliant with FCRA and Metro 2 standards.

If the furnishers are unable to verify the late payment information with proper documentation and Metro 2-compliant reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 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: Lendmark Financial Services
State: WI

Complaint narrative:
I am filing a complaint regarding materially inaccurate and misleading loan balance information provided by Lendmark/Landmark Financial , which has significantly impacted my ability to manage and resolve my account.

According to the lenders customer-facing online portal, the amount due on my next billing statement is listed as {$540.00}. However, I contacted the lender directly and spoke with a representative named XXXX, as well as the branch manager, XXXX, on separate occasions. Both confirmed that the correct amount due for the upcoming billing cycle is {$290.00} and that the amount displayed in the customer portal is incorrect. I was explicitly told that accurate balances are reflected only within the lenders internal systems and that the portal is unreliable. 

The online portal is the primary and official tool provided to customers to review balances, track payments, and manage their accounts. It is reasonable and expected for consumers to rely on this information. Presenting inflated or inaccurate balances in the portal while maintaining different internal figures is misleading, undermines transparency, and exposes consumers to financial harm.

Because this loan has been open for a significant period of time and I do not know when these inaccuracies began, I am concerned that incorrect balances may have been displayed throughout the life of the loan. I have not been provided with a written reconciliation explaining when the discrepancy started, how long it persisted, or whether interest or payments were misapplied as a result. 

This issue is especially concerning because I experienced a severe financial hardship between XX/XX/year> and XX/XX/year> while on unpaid mental health leave from work. During that period, I made every effort to pay this obligation in good faith and relied on the customer portal to determine the amount due. Payments were late on occasion due to financial strain. Based on the lenders recent admissions that the portal is inaccurate, I am now concerned that the amounts shown and relied upon may not have been correct in the first place.

I am seeking full relief and resolution of this account, including a complete written reconciliation of the loan from origination to present, correction of all inaccurate customer-facing information, reversal of any excess interest or fees resulting from inaccurate disclosures, and confirmation that I am not responsible for amounts derived from incorrect portal data. I have also offered to resolve this matter fully if the lender agrees to pay off the loan balance in full and permanently close the account in good standing. 

Providing one balance to consumers while maintaining a different balance internally, particularly over the life of a loan, constitutes improper servicing and may represent an unfair or deceptive act or practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I have received text messages where I have been addressed as XXXX XXXX. That is not my name, that is my mom. The debt is for a XXXX XXXX account. The debt collector is Jefferson Capital Systems, LLC-Debt Collector. The most recent message states that they will accept 9 payments of {$77.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I received an email from Portfolio Recovery associates on XX/XX/year> at XXXX stating this is a communication from a debt collector to collect a debt. The debt was for the debt collector XXXX XXXX. I was unaware the debt was passed to a debt collector, and I did not give Portfolio Recovery Associates the legal right to use my information to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KS

Complaint narrative:
I received a debt collection notice from Credit Collection Services stating that I owe {$150.00} to XXXX XXXX XXXX related to a XXXX XXXX XXXX premium. 

I previously paid the XXXX XXXX  premiums through my bank. However, I am currently unable to access the insurers account system. In addition, I made payments using multiple credit cards, and some bank transaction records are only available for the most recent XXXX months. As a result, I am unable to locate complete and clear confirmation in my bank records showing whether the payments were properly received or applied to my account. 

During the second-to-last payment in XXXX, the insurers website indicated that there would be XXXX final payment in the following month, in an amount of approximately {$140.00}. After making that payment the next month, I understood and believed that the insurance premium for that policy period had been fully paid. 

After that, I received a collection email from XXXX. I responded promptly, stating that I had already paid the amount and asking why I was still receiving collection notices. I did not receive any further response from XXXX after that, and I reasonably believed the issue had been resolved. 

On XX/XX/XXXX, I received another collection notice, which indicated that the issue had not been addressed. Because I am unable to verify whether the payment was properly received or applied, I am disputing this debt and requesting full debt verification, including a complete payment history. 

I request that the company review the payment records, clarify whether any balance is actually owed, and correct any improper or erroneous collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Longhorn Asset Management LLC
State: MI

Complaint narrative:
I received a notification to my credit report from this company Ive never heard from before. After I reached out, I received an email from the gentleman in this email Ive attached stating they sent something via email which was never confirmed received. Ive never received debt validation from this company. They reported to my credit report before proper validation. XXXX years later and not reflecting the accurate date so it seems like a new debt on my credit report. This is so many violations. XXXX statute of limitations is XXXX years. You can see from the email below he mentions I debt Ive never heard of from XXXX of XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I have worked a XXXX and XXXX months at a qualifying employer. If XXXX had not been in litigation over the XXXX XXXX I would have already made my XXXX XXXX and XXXX on time payments, but because it was tied up in litigation, they put my loans in forbearance. So I applied for the buyback in XX/XX/year>, and I've called twice to see what the status is of my application. No one at XXXX can tell me anything or when my application will be processed. My husband, XXXX XXXX, applied in XXXX of XXXX XXXX XXXX for buy back and he is in the same position thay I am except he would have qualified in XXXX of XXXX XXXX XXXX and has heard nothing since then as well.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 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: AL

Complaint narrative:
I ask that this unauthorized account be removed from my credit report in pursuit to 15 USC 168c-2, you are violating my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$190.00} twice for the same transaction. This was a duplicate charge. 
I filed XXXX separate disputes regarding this charge. Each dispute took several months to process and was ultimately closed as either my responsibility or unable to obtain compensation from the merchant, despite the charge clearly being duplicated. 
After approximately XXXX months, I contacted the company again to have the issue reviewed. On XX/XX/XXXX at XXXX XXXX, I spoke with a supervisor named XXXX ( Employee ID : XXXX ). During this call, he was disrespectful, refused to provide assistance, and stated that the issue was not the companys responsibility because the merchant would not return the duplicate charge. He also refused to provide his managers name and abruptly ended the conversation. 
As of today, the duplicate charge of {$190.00} remains unresolved, despite multiple disputes and follow-up calls.

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