vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apoyo Financiero, Inc.
State: CA

Complaint narrative:
I am disputing an incorrect balance reported by the company Apoyo Financiero. The original delinquent balance reported on my credit record was {$2700.00}. I entered into a payment arrangement and have made consistent payments toward this debt. Payment history : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} In XX/XX/XXXX, I contacted a company representative and was told I could skip that month and make a {$300.00} payment the following month. I then made the following payments : XX/XX/XXXX {$300.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} Despite these payments totaling approximately {$2700.00}, I was informed that I still owe {$920.00}. Based on my records and payment history, this balance does not match the expected remaining amount and has not been clearly explained. I requested a full breakdown of how this amount was calculated, including interest, fees, and how payments were applied, but I have not received a clear explanation. I am disputing this balance and requesting a full review and correction of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a XXXX account that is being inaccurately reported and collected. I returned the required XXXX equipment as instructed after closing my account. The return was completed using the method provided by XXXX. However, the package was lost in transit by the shipping carrier, which was outside of my control. Despite fulfilling my obligation to return the equipment, XXXX is holding me responsible for the loss and attempting to charge me for the equipment. I have made attempts to resolve this issue directly with XXXX, but the matter has not been properly investigated or resolved. I requested documentation from XXXX to show that I failed to return the equipment, including return tracking records, proof of delivery, billing history, and any agreement stating that I am financially responsible for items lost in transit. XXXX has not provided sufficient documentation to support their claim. I should not be held liable for equipment that was properly returned but lost during shipping. This is not a failure on my part, and the continued reporting and collection of this account is inaccurate and damaging to my credit. I am requesting that XXXX conduct a proper investigation and either provide full documentation proving I am responsible for this charge or immediately remove this account and any related negative reporting from my credit file. If this matter is not resolved, I will pursue further action for violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX I am submitting this complaint against XXXX XXXX XXXX XXXX regarding inaccurate and unverified collection accounts that continue to be reported on my credit files. The accounts in question are listed as : * XXXX XXXX XXXX * Jefferson Capital Systems LLC What Happened : I recently reviewed my credit reports and discovered that these collection accounts are being reported across all three credit bureaus. I did not receive proper notice or sufficient validation of these alleged debts before they were reported. Because of this, I can not confirm that these accounts are accurate or that they belong to me. After identifying these accounts, I disputed them with the credit reporting agencies. However, the accounts have continued to be reported without providing me with any documentation that proves the debts are valid, accurate, or legally enforceable. The bureaus have not provided a clear method of verification or evidence showing how they confirmed the accuracy of these accounts. As a result, I believe the credit reporting agencies have failed to conduct a reasonable investigation as required by law and are continuing to report information that may be inaccurate, incomplete, or unverifiable. Legal Basis ( Fair Credit Reporting Act ) : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Under Section 611, they must conduct a reasonable investigation when a consumer disputes information and must delete any information that can not be verified. Requested Resolution : I am requesting that the credit reporting agencies : 1. Conduct a proper and lawful investigation into these accounts 2. Provide documentation showing how these accounts were verified, including the method of verification 3. Remove these accounts from my credit reports if they can not be fully verified in compliance with the FCRA If these accounts can not be verified within the required timeframe, they must be deleted under federal law. These inaccurate accounts are negatively impacting my credit and financial standing. I am requesting that the Consumer Financial Protection Bureau ensure that XXXX XXXX XXXX XXXX comply with the Fair Credit Reporting Act and correct or remove any unverifiable information. I also request written confirmation of the results of the investigation and an updated copy of my credit report reflecting any corrections made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a Relationship Checking account on XX/XX/year> with BMO that included a {$1000.00} promotional bonus. I have met all the stated requirements for the bonus. On or around XX/XX/year>, I verified that all conditions had been satisfied. However, the bonus was not credited within the expected timeframe. I contacted BMO customer service by phone on XX/XX/year>. During that call, the representative confirmed that I had met the requirements and stated that the {$1000.00} bonus would be posted to my account by [ insert the specific date they gave you, e.g., last week ]. As of today XX/XX/year>, the bonus has still not been credited, which is now more than one week past the date I was given. I have not received any explanation for the delay or any updated timeline.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: SC

Complaint narrative:
I requested all forms of information. I requested a picture of the check, I requested the information on what account cashed the check, where it was sent, etc. I tried to get all information regarding my check that was sent. They ignored me and I lost {$600.00} because XXXX says they did not receive the payment and Chime said they sent it but provided no information I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a XXXX refund owed to me after my auto loan was paid in full on XX/XX/XXXX. Since that date, I have made multiple attempts to receive my refund, yet the issue remains unresolved. I have been issued three separate refund checks, none of which I have received. The first check was significantly delayed and never arrived. After reporting this, a second check was issued, which took approximately 40 days and was also never received. Most recently, I was informed that a third check was issued on XX/XX/XXXX. I specifically requested overnight delivery to ensure proper receipt. Despite this request, I have still not received the check. This pattern of failed delivery is unacceptable and indicates a serious breakdown in the handling of my refund. I have not been provided with any effective resolution beyond repeatedly reissuing checks, which has clearly proven unsuccessful. Furthermore, I have not received clear confirmation as to whether the refund is being issued directly by Toyota Financial Services or by a third-party XXXX provider, which raises additional concerns regarding accountability and proper handling of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a XXXX parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Request for Full Refund of Monthly Service Fees Lack of Proper Notice I am writing regarding the XXXX XXXX monthly service fees that have been charged to my checking account. I have been a Wells Fargo customer since I was XXXX XXXX XXXX, and for many years my account fees were consistently waived due to qualifying direct deposits. I was never properly notified that my account had been changed or converted to a different product where direct deposit would no longer waive the monthly fee. Had I been clearly informed of this change, I would have taken immediate action to avoid these charges. Because I was not properly notified, I am requesting a full refund of all monthly service fees that have been charged to my account under these circumstances. As a long-standing customer, I expect transparency regarding account changes that directly impact my finances. I appreciate your prompt attention to resolving this matter. While Wells Fargo may have issued an email notice regarding this change in XXXX, I was never clearly or effectively informed that my account would begin incurring XXXX XXXX monthly fees unless I took action. This type of change, which directly impacts a customers finances, should be communicated in a more direct and prominent manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Fill in my account numbers and addresses for me. XXXX XXXX XXXX Your Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to the account listed on my credit report : * LVNV FUNDING/ RESURGENT ( Account ending in XXXX ) I am requesting full validation of this debt under the Fair Debt Collection Practices Act. Please provide : * Proof that I owe this debt * The original creditors name and account details * A complete payment history * Documentation showing you have the legal right to collect Until this debt is properly validated, I request that you cease reporting this account to all credit bureaus. If you can not validate this debt, you must delete it immediately. On all old accounts Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
This loan was refinanced from an original smaller balance into a significantly larger loan with excessive fees. I have already paid a substantial portion of the balance, yet the structure of the loan continues to inflate the total repayment. I believe this is a predatory refinancing cycle and am requesting assistance in resolving this account. Also, the lender attempted additional withdrawals after I revoked ACH authorization and after unauthorized debits already occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: WA

Complaint narrative:
am writing to formally file a complaint regarding a money transfer issue that has not been resolved for more than one and a half months. On [ XX/XX/XXXX ], I sent {$500.00} through MoneyGram to my family member in XXXX XXXX. My brother attempted to collect the funds from different authorized locations ; however, he was informed that the transfer could not be processed at one of the locations, and ultimately he was unable to receive the funds. After this, I contacted MoneyGram customer service and requested to cancel the transfer. I was then informed that the funds had already been picked up. However, I did not receive any email or notification confirming that the money had been collected, which I usually receive for all my previous transactions. This situation is very concerning, as there is a clear discrepancy between the pickup status and the lack of confirmation notification. It has now been over six weeks with no clear resolution or update despite my previous inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the AMEX XXXX XXXX because of the sign up offer. My application was put on hold because I had to provide proof of address. So I get to get an official letter from my bank and I got it and sent it in ( ref no. below ). REF : XXXX I called in once I submitted the letter and confirmed on the phone that I was still going to get the offer if not then I didnt want the card. Was assured I would get the sign up offer after hitting the spending stipulation. However after spending the required amount, I was told I did not qualify for the offer. The reason for it was because I had already had a gold card of my own. I have never had a gold card. I had been an authorized signer on a platinum and gold card never my own. I was told I was going to be sent states from said gold card but I never received them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
I am a victim of idenity theft and fraud my idenity has been stolen by former and current neighbors who hacked all my devices and have all my info that they posted on XXXX XXXX XXXX whats app instagram and XXXX XXXX and did fraud on all XXXX credit bireaus locked me out. I am XXXX on social security income i get monthly on 1st and 3rd. The neighbors in unit XXXX and XXXX hacked me got my bank information and debit card info as well with US direct express that has locked me out of my new debit card i never activated and did fraud of some kind i cant access my account and US Direct Express falsely states they cant idenitfy me through my number or my email or by my state ID the hackers do this to me every month while the XXXX XXXX XXXX XXXX victimizes me refusing to give me police reports because they are corrupt too also some one impersated a XXXX XXXX police officer calling himself remice badge XXXX at XXXX and hes not a officer he got copy of my florida state Id too via text. Social Security Adminstation refuses to help me with this matter and hacker neighbor in XXXX XXXX went to social security impersated me doing fraud stalking me through my cell phone, I cant my rent next month or my bills my money is being stolen and this is not acceptable i cant access account with card ending in XXXX my ssn ending in XXXX and date of XXXX XXXX am a victim of idenity theft and fraud my idenity has been stolen by former and current neighbors who hacked all my devices and have all my info that they posted on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and did fraud on all 3 credit bireaus locked me out. I am XXXX on social security income i get monthly on XXXX and XXXX. The neighbors in unit XXXX and XXXX hacked me got my bank information and debit card info as well with US direct express that has locked me out of my new debit card i never activated and did fraud of some kind i cant access my account and US XXXX XXXX falsely states they cant idenitfy me through my number or my email or by my state ID the hackers do this to me every month while the XXXX XXXX XXXX XXXX victimizes me refusing to give me police reports because they are corrupt too also some one impersated a XXXX XXXX XXXX XXXX calling himself remice badge XXXX at XXXX and hes not a XXXX he got copy of my florida state Id too via text. Social Security Adminstation refuses to help me with this matter and hacker neighbor in XXXX XXXX went to social security impersated me doing fraud stalking me through my cell phone, I cant my rent next month or my bills my money is being stolen and this is not acceptable i cant access account card ending XXXX dob XX/XX/scrub>XXXX ssn ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I applied for mortgage assistance with M & T Bank and was denied based on a determination that I did not have a temporary hardship and that my financial situation did not support a payment solution. This determination appears to have been based on inaccurate expense figures that did not reflect my actual financial condition. The expense amounts used in the evaluation were generalized and overstated in several categories, which resulted in a calculation showing negative cash flow. This was not accurate. After receiving the denial, I reviewed my finances and submitted a corrected and verified budget reflecting my actual current expenses. The updated information demonstrates that I have a positive monthly surplus and the ability to maintain my mortgage payments going forward. I requested reconsideration and escalation and asked for a clear explanation of how the original calculations were made. The company did not provide a detailed explanation and has not re-evaluated my application based on the corrected financial information. My hardship was temporary and caused by necessary and unexpected expenses, including replacement of my homes central air system and obtaining reliable transportation in order to maintain employment. These issues have now been resolved. I am currently employed, my income is stable, and my financial situation has stabilized. There is currently no scheduled foreclosure sale date. I am requesting a fair and complete review of my application using accurate financial information and consideration for all available loss mitigation options.

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 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
I asked IQ DATA INTERNATIONAL them to verify the debt that they were trying to pursue they sent me a letter showing a payment chart but not a verification of my signature and or the original contract which was asked for to verify debt.

Company response to consumer: Closed with non-monetary relief