vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I am filing this complaint against my auto lender, One Main Financial regarding a dealer-arranged retail installment contract with XXXXXXXX XXXX XXXX XXXX XXXX XXXX which was finalized on Saturday, XX/XX/XXXX, XXXX XXXX hours of signing, the vehicle experienced severe transmission issues. A diagnostic scan in which I have proof of revealed XXXX Stored/History codes XXXX Output Speed Sensor " No Signal '' code and a XXXX code signaling a failing torque converter. I was told by many professionals & transmission specialists that these codes are catastrophic to the condition & life of the transmission. Because the vehicle computer explicitly marks this code as " Stored/History, '' it provides mathematical proof that this powertrain defect was actively occurring while sitting on the dealer 's lot prior to my purchase on Saturday, and was temporarily masked via a physical fluid flush to trick me into signing.I immediately contacted my lender on Monday, XX/XX/year> to report vehicle condition fraud and requested that the loan funding be paused or reversed. The lender refused, stating it was " out of their hands and between me and the dealer. " Because this auto loan was completely arranged on-site by the dealership, it is strictly governed by the Federal Trade Commission ( FTC ) Holder in Due Course Rule ( 16 CFR Part 433 ). Under this federal law, the holder of this consumer credit contract is legally subject to all claims and defenses which the debtor could assert against the seller. By refusing to pause or investigate a clear case of pre-existing vehicle fraud, the lender is actively violating their compliance obligations under the FTC Holder Rule.I am requesting that the lender immediately initiate a fraud investigation into XXXX XXXX XXXX, force the unwind of this contract, and reverse this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I reported two unauthorized charges on my account. XXXX XX/XX/XXXX {$8.00} and XX/XX/XXXX {$9.00}. During that process, my account was frozen. I was not informed that reporting the transactions could result in my account being frozen or that my direct deposit would be affected. I immediately submitted my driver 's license and completed all requested verification steps, including multiple password resets YESTERDAY AND TODAY. Despite fully complying with XXXX XXXX requests, I have received conflicting information regarding the review timeline and have been unable to access my account. i HAVE BEEN EMAILING ALL DAY TODAY. I am expecting payroll funds, and the freeze is causing significant financial hardship as I am unable to access money needed for rent, transportation, and other essential expenses. I am requesting an expedited review and restoration of access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rossi Law Offices, Ltd
State: NY

Complaint narrative:
I am filing a formal complaint against the collection agency/law firm Rossi Law Offices , Ltd. regarding an unfair and disputed medical debt originating from a gross billing error and misinformation by the provider, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MA XXXX XXXX. Prior to undergoing an XXXX procedure with XXXX XXXX XXXX, I explicitly contacted their scheduling and billing department five ( 5 ) separate times to verify that my health insurance would cover the procedure. Each time, their representatives assured me that it was fully covered. Relying entirely on their verbal confirmation, I proceeded with the XXXX. Subsequently, I received an unexpected bill for over {$500.00}. I immediately disputed this debt by sending written dispute letters to both the original provider ( XXXX XXXX XXXX ) and the collection law firm ( Rossi Law Offices , Ltd., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). It has now been almost two months, and Rossi Law Offices , Ltd. has completely ignored my written communication, failed to provide any debt validation, and refused to respond. Maintaining a disputed, unverified medical debt without responding to consumer disputes is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Rossi Law Offices , Ltd. is in direct violation of the FDCPA, 15 U.S.C. 1692g ( Section 809 ) for failing to cease collection activities and failing to provide debt validation after receiving my written dispute, as well as 15 U.S.C. 1692e ( Section 807 ) for misrepresenting the legal status of this disputed medical debt. Furthermore, keeping a disputed medical debt around the {$500.00} threshold on record violates federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
RE : Formal Dispute and request for administrative audit Retroactive IDR Processing Forbearance Credit To the Office of Consumer Advocacy / Executive Escalation Team I am writing to formally dispute Federal Student Aid, PSLF payment counts due to the 60-day IDR processing forbearance in which I did not receive credit toward PSLF. On XX/XX/XXXX my IDR application was received by XXXX to transition out of SAVE plan. It took four months to process and approve this application. On XX/XX/XXXX FSA has successfully updated the PSLF form, which in turn should have updated my payment count, to include the 60-day IDR processing count. I have reached out to Federal Student Aid and stated in writing that by not updating my PSLF payments is a direct violation of Department of Education policy and federal regulations. Under 34 CFR 685.205 ( b ) ( 9 ), loan servers are required to grant a specific processing forbearance while an IDR application is being evaluated. Furthermore, 34 CFR 685.219 ( c ) ( 2 ) ( v ) ( H ) explicitly states that the time spent in this processing forbearance must count toward PSLF. In summary, servicing guidance allows for a temporary processing forbearance of up to 60 days during IDR application review, during which time the borrower is not required to make payments, and the period is treated as qualifying toward PSLF and IDR forgiveness. Federal Student Aid 's choice to leave my account coded as SAVE court -ordered forbearance rather than updating it to an IDR processing forbearance during the first 60-days of my pending application is an administrative tracking error. The court injunction on the SAVE plan does NOT nullify my legal right to a qualifying processing forbearance code while attempting to switch to a different, valid IDR plan. I initially reached out to FSA in XXXX of XXXX. Due to the payments still not being adjusted, I have since escalated this situation with FSA Ombudsman on XX/XX/XXXX, Feedback Case # XXXX. I have yet to receive a response or payment update. Furthermore, not to mention, I submitted a buyback application 1.5 YEARS ago, and that has not been touched, instead its collecting dust, Feedback case # XXXX. Also escalated XX/XX/XXXX, and no response or conclusion. My next course of action is to involve my state representatives, as I have found no other means to have these cases resolved. I am requesting the following actions immediately without further delay : 1.A formal administrative review and audit of my account tracking for the 4-month processing window. 2.The retroactive application of the IDR processing forbearance status code to the first 60 days of my application period. 3.The manual update of these 60 days to qualifying payment status on my payment cumulative tracker. I urge CFPB to assist in the FSA 's delays!

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX a XXXX XXXX XXXX sales representative came to my home in XXXX XXXX and told me I was signing up for a flexible monthly home security monitoring service that I could cancel at any time. I was handed a tablet and asked to sign electronically. I was never shown the full terms, never told I was applying for a credit card, and never given any documents in person.\nWithout my full knowledge or informed consent, XXXX Retail Credit opened a credit card account in my name at XXXX XXXX XXXX XXXX XXXX XXXX before I had even finished the signing process. Two minutes later at XXXX XXXX XXXX emailed me documents I did not know were coming. I only discovered these documents weeks later when my bank told me to check my email.\nThe account was charged XXXX XXXX XXXX equipment financed over XXXX months. Two automatic payments of XXXX each were processed from my debit card on XXXX XXXX XXXX XXXX XXXX XXXX, totaling XXXXXXXX already taken without my informed consent. I directed my bank to block further autopayments.\XXXX violated my rights as follows. First, the Consent to Receive Electronic Disclosures was attached to the same email that opened the account. Federal law requires consent BEFORE disclosures are sent, not at the same time. Second, no Truth in Lending disclosures were provided before the account was opened. Third, the underlying transaction is voidable under the XXXX Home Solicitation Sales Act because XXXX failed to provide a Notice of Cancellation in person at the time of sale. The Notice of Cancellation sent by email was also defective it contained the wrong mailing address and the buyer signature line was completely blank. Fourth, I am XXXX years old and entitled to enhanced protections under XXXX elder consumer protection law.\nI sent a formal written billing dispute to XXXX on XXXX XXXX XXXX via XXXX Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX estimated delivery XXXX XXXX XXXX XXXX has not yet respondedXXXX holds XXXXXXXX XXXX XXXX XXXX XXXX. Sales representative XXXX XXXX holds individual license XXXX. I am filing separate complaints with XXXX targeting both license numbers.\nDesired resolution: Full cancellation of the XXXX balance, refund of XXXX already paid, account closure, and written confirmation of no negative credit reporting.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime Financial closed my account holding {$12000.00} of my legally approved pandemic benefits. For the last XXXX years, Chime support has provided conflicting and false information regarding my money, stating alternately that a check was mailed, funds were sent to my local state, funds were returned to the XXXX XXXX XXXX XXXXXXXX, and most recently that they went to XXXX XXXX. Chime has now locked me out of support and refused further assistance. I am filing this complaint for a total breakdown of consumer protection standards and a failure to provide an accurate accounting or return of my trapped funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage is falsely claiming I am past due, even though their own transaction history shows my payments were received and applied correctly. I am disputing a fabricated pastdue amount of {$1000.00} and a fabricated partial payment balance of {$1600.00}, neither of which appear anywhere in their ledger. In their prior CFPB response, Rocket Mortgage stated that my loan is past due for the XX/XX/XXXX payment. This is false. Their own transaction history shows : Transaction 97 Posted XX/XX/XXXX PAYMENT {$2700.00} Principal : {$1100.00} Interest : {$1500.00} Escrow : {$15.00} Next Due : XX/XX/XXXX This proves the XXXX payment was received, applied, and satisfied the installment. Rocket Mortgages delinquency claim is directly contradicted by their own records. Rocket Mortgage also claims I owe a {$1000.00} pastdue amount, but this number does not appear anywhere in the transaction history. There is no suspense entry, no shortage, and no calculation that equals this amount. It is fabricated. They also claim a {$1600.00} partial payment balance, but the ledger shows : {$2700.00} partial payment ( XX/XX/XXXX ) {$1000.00} suspense adjustment ( XX/XX/XXXX ) {$22.00} partial payment ( XX/XX/XXXX ) None of these equal {$1600.00}. This number is also fabricated. Rocket Mortgage provided three different escrow analyses ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that contradict each other. One shows a shortage of {$21000.00}, another shows a shortage of {$11000.00}, and another shows a surplus of {$890.00} with a refund check issued. These can not all be correct. Their XX/XX/XXXX letter states my correct monthly payment is {$2700.00}, which matches the ledger and the payments I made. Yet they continue to treat me as delinquent on that same amount. I continue to make payments by mail, including my upcoming XXXX payment, because Rocket Mortgage refuses to correct their servicing error. I am requesting correction of the false delinquency, removal of the fabricated balances, and a corrected payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding a rental debt collection account that I dispute. The collection agency has threatened that my credit would be ruined if I did not pay the alleged debt. I believe these communications have been intimidating and have caused significant concern. I dispute the validity and amount of this debt. I have not received sufficient documentation proving that I legally owe the amount being claimed. I have not been provided with a complete itemized statement, lease accounting, move-out statement, or other documentation showing how the balance was calculated. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting : Validation of the debt with supporting documentation. A complete accounting of all charges and fees. Documentation demonstrating that the collection agency has authority to collect this debt. Verification that all information reported to the credit bureaus is accurate and complete. If the debt can not be properly verified, I request that the collection account be removed from my credit reports and that all collection activity cease regarding this disputed debt. I also request an investigation into whether the collection agency 's communications complied with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account does not belong to me, and I believe it is being reported inaccurately on my credit report. I have not been provided with sufficient proof showing that this account was properly verified.

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 2026-06-09 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: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year> I ordered from XXXX XXXX through Affirm.com ( SHOP ) a pair of cycling shoes with a no questions asked 100 % refund/return company policy as advertised and ordered on XXXX. The total price with Affirm installment plan was XXXX payments totaling {$76.00}. The product arrived and I inspected it and it was an inferior product resembling shoes costing $ XXXX {$40.00} on XXXX . XXXX XXXX claimed this was a order now and get 50 % off regular price of a shoe that sells above {$150.00}. I can clearly state that XXXX XXXX is engaging in fraudulent bait-and-switch marketing by advertising a 100 % No-Questions-Asked Return Policy, but refusing to provide a physical return shipping address upon request. Affirm accepted automated XXXX from a bad-actor merchant and failed to review the explicit email evidence of the merchant violating their own written contract. I provided Affirm with evidence from correspondence with XXXX and advertised refund policy as shown on XXXX ad. There was a case and Affirm said XXXX 's evidence was " Compelling '' and ruled in XXXXXXXX XXXX favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
Subject : Follow-Up Complaint : Toyota Financial Services Estate of Deceased Borrower Authorization Now Provided . I am submitting this complaint as a follow-up to CFPB Complaint # XXXX, which was closed on XX/XX/year> after Toyota Financial Services responded that XXXX XXXX had not been authorized to discuss the account. I am writing to inform the CFPB that the required authorization documentation has now been obtained and provided to Toyota Financial Services. The underlying issues raised in the original complaint remain unresolved and require continued oversight. To summarize the outstanding concerns : 1. REPOSSESSION WITHOUT NOTICE Toyota Financial Services repossessed the vehicle, which was an asset of the probate estate, without notifying the estate or its representative. No notice of repossession or sale was provided. 2. FAILURE TO PROVIDE ACCOUNTING Following the repossession and sale of the vehicle, Toyota Financial Services has not provided a full accounting of the sale price, application of proceeds, or any remaining balance or surplus owed to the estate. 3. PERSONAL PROPERTY NOT RETURNED Personal property belonging to the estate was inside the vehicle at the time of repossession. Toyota Financial Services has not returned these items or provided any information about their disposition. Now that the authorization documentation has been submitted, I am requesting that Toyota Financial Services : - Provide a full accounting of the repossession and sale - Return any proceeds or surplus value owed to the estate - Address the missing personal property and provide compensation if items can not be returned I am filing this new complaint so that Toyota Financial Services ' response continues to be monitored. The prior complaint was closed without resolution of the substantive issues, and I respectfully request that the CFPB ensure the company provides a meaningful response now that the authorization issue has been resolved. Thank you for your continued assistance

Company response to consumer: Closed with explanation