vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
original creditor has been given XXXX monthly payments totaling the amount of {$3400.00} towards the balance {$15000.00} and their third party " XXXX XXXX XXXX XXXX '' has not updated their records. I called earlier today assuming they knew about the payments and made a settlement offer based off the the new balance ( {$11000.00} ), which was {$6000.00} but was rejected and said i had to submit hardship letter, tax returns, pay stubs and proof of the new payments made to the original creditor, which i had no problem doing. XXXX was extremely rude, loud, unprofessional, foul, and kept yelling over me asking questions. He then said i kept talking over him which i wasn't. I wanted to close out my account and get this resolved but he threatened to hang up on me even after asking for his full name and badge number. I don't know what kind of unaccredited collection agency they are but i definitely do not want to work with them ever again. I hope he isnt mistreating people with hardships such as myself with this extreme negative behavior. Its not fair to those who actually want to get a resolution and then come across someone like XXXX who is incompetent on handling situations in a professional matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Hyundai Motor Finance for their continuous and unjustified denial of my SCRA ( Servicemembers Civil Relief Act ) lease termination request, which constitutes a violation of federal law under 50 U.S.C. 3955. I am a future active-duty service member scheduled to report to the United States XXXX XXXX XX/XX/XXXX. Under the XXXX, service members entering XXXX XXXX are legally entitled to terminate a motor vehicle lease without penalty if their military service is for a period of not less than 180 days. Over the past month, I have submitted the required military documentation to XXXX XXXX XXXX a total of three ( 3 ) times. Despite providing official letters from my commander/recruiter certifying my active duty start date and my long-term enlistment contractXXXX XXXX XXXX XXXX has repeatedly rejected my request without providing any valid or legally grounded reason. My vehicle and account details are as follows : Account Number : [ XXXX ] Vehicle : : XXXX XXXX XXXX ] XXXX ( Vehicle Identification Number ) : [ XXXX ] XXXX XXXX Start Date : XX/XX/XXXX With my shipping date of XX/XX/XXXX rapidly approaching, XXXX XXXX XXXX XXXX ongoing delays and unlawful stalling are causing severe financial stress and disrupting my military transition. I have attached all previously submitted military documents, as well as the rejection emails from Hyundai, as evidence. XXXX XXXX XXXX keeps blindly demanding an official " XXXX XXXX. '' However, as is standard practice for the military, the final official orders are not issued until the actual day of enlistment. It is practically impossible for me to receive the orders on the day I ship out and return the vehicle at the exact same time. To resolve this, I have provided an official letter from my commander/recruiter and a copy of my XXXX XXXX ( XXXX XXXX XXXX ). These documents contain all the necessary legal information, including my active-duty start date and my long-term service commitment well exceeding the 180-day statutory threshold. Despite having all the required proof, XXXX XXXX XXXX continues to reject my documents and delay the approval. It appears they are intentionally stalling the process to delay the vehicle return, forcing me to keep paying for a vehicle I will soon be unable to use. I request that the CFPB investigate this matter immediately and compel XXXX XXXX XXXX to approve my SCRA lease termination and provide vehicle turn-in instructions without any further delay or penalties.

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 2026-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took this loan out in May of this year, planning to pay the whole amount in full the next week. When I proceeded to try and add a payment method I got a message that my bank account wasnt accepted with the company. I let the loan go unpaid for a month and ended up getting a call from them for a settlement. I ended up calling support and spent almost an hour on the phone with them, trying to update my bank account so I could pay it off. In the end, they told me that Uprova doesnt accept my bank account and that Im stuck paying off the loan with an insane predatory APY over 300 %.

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 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
A collection account for {$110.00} was reported by Eastern Account System , Inc. I contacted the company and requested validation of the debt, including the name of the original creditor, an explanation of the debt, the amount owed, and documentation showing that I am legally responsible for it. I also requested information about why the account was reported to the credit bureaus. The company did not provide the information I requested or sufficient documentation to allow me to verify the debt. Because I have not received adequate validation, I am disputing the accuracy of this collection account and am requesting that it be investigated. I believe consumers should receive clear documentation before a debt is collected or reported to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
my car got repo and credit acceptance still saying I owe them after they sold the car I feel like I don't owe them nothing since they came and got the car and sold it and now my credit went down alot

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 2026-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
Disputed Amount : {$890.00} Original Creditor : XXXX XXXX XXXX Description of Incident : I am filing a formal complaint against XXXX XXXX XXXX and any associated collection agencies regarding an unverified, un-justified, and predatory collection balance of {$890.00}. The balance stems from an unverified contract that was formally disputed due to identity theft and forgery. On XX/XX/year>, I executed and submitted a formal, notarized fraud affidavit proving that the original contract signature was a forgery. Following the submission of this affidavit, it was explicitly agreed that the contract would be canceled and the account closed. Despite this legally binding acknowledgement and the cancellation of the account, XXXX has continued to maintain a balance of {$890.00} and has routed this unverified debt to collections. They are actively pursuing collection efforts and threatening my credit profiles without any legal justification or valid contract supporting the debt. Because the original contract was forgedand because XXXX has already accepted the affidavit confirming the forgerythere is no enforceable agreement, no consumer authorization, and no valid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am submitting a complaint regarding an Ally Financial account that is being reported on my credit file. I do not recognize this account and have no knowledge of opening or authorizing it. I previously disputed this account with the credit reporting however it continues to be reported. I am requesting that Ally Financial conduct a reasonable investigation providing documentation showing that I am legally responsible for this account or remove the account from all consumer reporting agencies if they can not verify its accuracy. I also request that any associated late payments balances and negative reporting be deleted.

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 2026-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this new, escalated complaint due to severe, potentially criminal negligence, identity blending, and ongoing consumer fraud perpetrated by Bank XXXX XXXX XXXX XXXX XXXX. The bank 's recent actions have crossed from administrative errors into the active generation of fraudulent federal tax XXXX. Fabricated Regulatory Responses and Unverified Account Alteration a written response dated XX/XX/XXXX, Bank of America falsely claimed that on XX/XX/XXXX, the legitimate Executor of the XXXX XXXX XXXX XXXX, " XXXX, '' called to report that the consumer had passed away. This is a complete fabrication. XXXX is the actual Executor, is fully aware the consumer is alive, and has explicitly confirmed she never placed any such call. Bank XXXX America completely fabricated this log without demanding a certified legal Death XXXX. Creation of a Fraudulent, XXXX XXXX XXXX Bank XXXX America has generated an unauthorized internal profile under the consumer 's long-unused maiden name, " XXXX XXXX XXXX XXXX They have actively coupled this name with a completely fabricated Date of Birth ( XX/XX/XXXX ) and a fraudulent physical address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI ) where the consumer has never resided. The bank is aggressively attempting to force the consumer to validate this synthetic identity XXXX. Generation of Fraudulent IRS Documentation ( Tax Perjury Risk ) Most alarmingly, Bank of America has now issued a formal, Substitute IRS XXXX XXXX ( Certificate of Foreign Status of Beneficial Owner ) under Control No. XXXX. The consumer is a lifelong United States citizen. By generating this document, Bank XXXX America is attempting to force a U.S. citizen to declare non-U.S. status under penalty of perjury. This creates an immediate risk of fraudulent tax withholding and severe misreporting to the IRS.

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 2026-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank suspended all my online access then unsuspended then eventually closed all my accts. I paid off my XXXX Citi Credit Card because it had XXXX interest while I was XXXX XXXX. Im now reserve and Citi is XXXX %. Paid it off XXXX XXXX loan.

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 2026-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Fraudulent account set up in my name identity theft report previously submitted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have to tried to reach to imagine creator card for past 6 months. I have requested statements and letter of opening of this account they continue to tell me they will send it and never have. I did not open this account and keep reporting it and creditor is not responding no its affecting my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
Subject : URGENT REBUTTAL : Evidence Proving U.S. Bank is Misleading Regulators Regarding Case XXXX XXXXXXXX Consumer Financial Protection Bureau , I am writing to issue an urgent rebuttal to U.S. Bank XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2026. U.S. Bank claims they can not release my {$150000.00} payout under the false premise that the funds belong to XXXX XXXX and not myself. This statement is a direct attempt to mislead federal regulators and mask an unlawful withholding of my funds past the legal XXXX UCC limits [ consumerfinance.gov, ucc.org ] .The Absolute Proof of U.S. Bank 's Obstruction : Attached is a formal letter sent to U.S. Bank XXXX XXXX XXXX XXXX XXXX on XX/XX/2026, by the purchaser, XXXX XXXX XXXX this XXXX XXXX XXXX XXXX explicitly states to U.S. Bank : XXXX I am confirming that this is a valid, legitimate transaction... I request that this hold be removed and the funds released immediately... Please send a confirmation of the funds ' release to XXXX XXXX. XXXX. " U.S. Bank has been in physical possession of XXXX XXXX written authorization and release of funds since XX/XX/2026. Furthermore, XXXX XXXX 's audited response dated XX/XX/2026, proves the cash cleared cleanly to U.S. Bank on XX/XX/XXXX, XXXX. Bank 's claim that they " can not release the funds '' because they belong to XXXX is completely fraudulent. The purchaser has released all claims, the issuing bank has cleared the check, and U.S. Bank is holding my life savings XXXX in direct defiance of both the consumer and the purchaser 's explicit written commands.I demand that the CFPB initiate an immediate compliance review, reject U.S. Bank 's false defense, and compel U.S. Bank 's Enterprise Complaints department to immediately print and mail my physical {$150000.00} payout check to my new address XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX

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 2026-07-03 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: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Request for Assistance Concerning Form 1099-C and Debt Status Reporting by Elan Financial Services Dear Sir or Madam, I am writing to respectfully request assistance regarding an account with Elan Financial Services that has been reported as a Profit and Loss Write-Off. Although the account has been charged off and designated as written off for accounting purposes, I have not received a Form 1099-C ( Cancellation of Debt ), nor have I received clear confirmation regarding the current status of the debt. According to IRS regulations, creditors may be required to issue Form 1099-C when a debt of {$600.00} or more is canceled or XXXX and to report the canceled amount to the Internal Revenue Service . Given Elan Financial Services classification of this account as a profit and loss write-off, I am seeking clarification as to whether the debt remains legally enforceable or has been canceled, forgiven, or otherwise XXXX. If the debt has been canceled, I respectfully request that the appropriate Form 1099-C be issued in compliance with applicable federal requirements. Accordingly, I request that the Consumer Financial Protection Bureau review this matter and ask Elan Financial Services to : Clarify the current legal status of the account and any associated debt ; Confirm whether the debt has been canceled, forgiven, XXXX, or remains collectible ; and Issue Form 1099-C, if required under applicable IRS regulations XXXX Please let me know if any additional documentation or information is needed to facilitate the review of this matter. Thank you for your time, attention, and assistance. I appreciate your consideration of this request and look forward to a response. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
RECEIVED THIS BY VOICEMAIL FROM XXXX XXXX XXXX XXXX ON XX/XX/year> : Good morning this message is for XXXX This is XXXX calling from XXXX XXXX XXXX XXXX Im calling because our billing office notified us that your account went to collections yesterday and the amount of XXXX And we see that you have an appointment that is scheduled on XX/XX/XXXX that we will need to cancel until this balance is paid in full if you would like to get this balance situated you can call the collection agency Their phone number is XXXX And if you have any further questions you can give our office a call at XXXX But it Im just again to reiterate the appointment for XX/XX/XXXX at XXXX XXXX Has been canceled due to the fact that your account has gone to collections Thank you. I immediately called XXXX XXXX 's office to confirm the message and phone number of the collections agent. I phoned the collection agent number. XXXX answered, asked if I had received a collection notice from them, and I responded NO. All I have is cited above. I became suspicious. XXXX wanted my credit card number over the phone, which I refused and challenged him as a scammer. He represented that I would receive a written collection notice with XXXX days. I gave him my email address and confirmed my present residential address which has remained unchanged for 20 years. To date, no written communication of any kind has arrived from either XXXX XXXX 's office or XXXX at the " collection agency ''.

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 2026-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: FL

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Complained Against : Credit Control , LLC Reference / Account # : XXXX Product/Issue : Debt collection / Communication tactics Telephone Consumer Protection Act ( TCPA ) violation Date : XX/XX/2026 What Happened Credit Control , LLC has been contacting me by telephone in connection with an alleged debt referenced under XXXX. These calls have been repeated and excessive, placed to my cellular telephone number [ PHONE NUMBER ], on the following dates and times : [ DATES/TIMES OF CALLS ]. [ If applicable : Credit Control , LLC used an automatic telephone dialing system and/or an artificial or prerecorded voice message during these calls. ] I have not provided Credit Control , LLC with prior express consent to be contacted on my cellular telephone using an automatic telephone dialing system or prerecorded voice, as required under the TCPA. [ If applicable : I revoked any consent and requested that the calls stop on [ DATE ], but Credit Control , LLC continued to call me after that request. ] This conduct violates the Telephone Consumer Protection Act, 47 U.S.C. 227 ( b ) ( 1 ) ( A ), which prohibits calls to a cellular telephone using an automatic telephone dialing system or an artificial or prerecorded voice without the prior express consent of the called party. It further violates 47 U.S.C. 227 ( c ) and the implementing regulations at 47 C.F.R. 64.1200, which restrict repeated and harassing telephone contact.

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 2026-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had personal monthly loan payments, it was all set to auto payment through my bank. XXXX was my last month and it was supposed to end. But for some reason bank did not charge whole installment and left XXXX cents. Auto payment is set to collect whole amount .. I called the bank and they asked me to give my bank account information on the phone, which is not safe and also not necessary so bank information is already stored in the system, asked him why auto payment is failed and he said he cant help me. Now they are sending me emails about how i failed to pay my loan? my account looks unpaid which can affect my credit score.. I need the bank to do what is supposed to do, collect the loan payment through my online payment. I really dont understand the purpose of the bank, not collecting XXXX and label me as a person who failed to close her loan?

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