vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have sent in a notice of cease and desist that I am a Social Security XXXX judgement proof on XX/XX/year> and I have not heard back from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I checked my credit report and its stats that I have an account that's been in collection from peoples gas " midwest receivable sol '' that was located at address XXXX XXXX XXXX for amount {$2800.00} dollars ive never lived there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
To whom it may concern : I reviewed my credit report and found odd items you are reporting which are impacting my good name. 
I'm aware section XXXX requires you have proof of ownership of this account belonging to me. 
Please send me documentation otherwise delete it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
TFC CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research TFC CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is 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 2026-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I received a prepaid debit card as a refund of a approximately {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX. The card was activated in XX/XX/year> and expired in XX/XX/year>, approximately XXXX months after activation. 

Federal law requires prepaid cards to have a minimum expiration period of XXXX years from the date of issuance or last load. A refund card for a security deposit does not qualify for early expiration. 

After the card expired, a monthly maintenance fee of $ XXXX was charged beginning in XX/XX/year> and continued monthly, significantly reducing the balance without a meaningful opportunity to use the funds. I was not clearly informed that the card would expire so quickly or that fees would be charged after expiration. 

As a result, nearly the entire refund amount was consumed by fees. When I contacted the card issuer, they stated the charges were valid according to terms and conditions and declined to reverse them. 

I believe this cards expiration date and post-expiration fee structure are noncompliant with federal prepaid card protections and constitute an unfair and deceptive practice related to the refund of a consumer security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
USBANK switched my account to a different type of checking account without my consent and started charging me {$12.00} a month in fees because I didnt have an average daily balance of {$1500.00} or more. They refuse to reverse the fees and bounced me between the branch and the XXXX number which caused more time and more fees. They said I set up the account online, so I was made aware of the fees when I set up the account. When I first set up the account online there were no fees. Then later Usbank switched the checking account to some other product that had fees without my consent. I went into the branch to discuss and they sent me to the XXXX number. Called the XXXX number and they sent me to the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: GA

Complaint narrative:
XXXX & Carvana added GAP insurance to my auto loan without my consent. My monthly payment increased by {$100.00} more than what was disclosed at signing. They refuse to provide proof of authorization or correct the payment. I am requesting removal of the unauthorized product, a pro-rated GAP refund, and a corrected payment schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: VA

Complaint narrative:
I am requesting Full Discharge of Student Loans Due to Mohela Misleading and Unlawful Practices I am writing to formally request the discharge of all student loans held by Mohela due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 
Mohela misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Mohela has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Mohela has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Mohela conduct has caused me significant financial harm, mental distress, and a long-term burden that could have been avoided with honest and fair guidance. As a borrower who relied on Mohela advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MI

Complaint narrative:
I took out a XXXX  over a year ago and when i took it out the only way they could take the money back was from a direct deposit but since taking that they updated their terms and now took the money from a bank transfer when that wasnt the agreed upon terms at the time of the loan XXXX now wont give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
I am filing this complaint against Ability Recovery Service regarding a collection account they are reporting on my credit file for {$1600.00}, allegedly owed to XXXX XXXX XXXX. 
I timely disputed this debt in writing and requested proper validation. Despite this, Ability Recovery Service failed to provide adequate debt validation and continued collection activity and credit reporting. 
This conduct violates the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease all collection efforts until validation is provided after a written dispute. 
Additionally, continuing to report this account without validation results in inaccurate and unverifiable credit reporting, harming my credit profile. 
I am requesting that Ability Recovery Service either provide proper validation of the alleged debt or cease collection and remove the account from my credit reports. I also request that this matter be investigated and corrective action taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I opened a promotional account on XX/XX/year> with a {$25000.00} deposit to earn a {$600.00} bonus. The bank held my funds for nearly 80 days, benefiting from my deposit, and then closed the account without notice or cause just weeks before the payout date. I believe this is an unfair practice to avoid paying the promotional bonus. 

I fulfilled my part of the deal in good faith and I demand the Huntington bank to pay me with prorated bonus amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Openbank ( an affiliate of Santander Bank ) has a digital app only. I was locked out, and when I attempted my password, it did not work. So, I clicked on the forgot password option. It said that a tax verification code would be sent to my phone number on file. I did not receive any text, in spite of multiple attempts. When I called the bank, they tried to troubleshoot the issue and could not determine what was wrong. I called a second time and talked to their tech-support who also could not figure out why I wasnt receiving the text. I asked if there was any alternative to using my phone number for a verification code, and they said no. Then I was locked out of my account as a result of too many attempts. I called back the next day to try and resolve the issue and again they said that XXXX  Support could not figure out what was wrong. I then asked that they close my account, and they refused. They said they would not be able to close the account unless XXXX determined that there was no other way to resolve my issue. I asked for them to escalate the matter and close the account. I also asked that because Im not able to access my money online that they mail me a check. They said that if the request to close the account was approved, they would mail me a check. I received an email this morning saying that my account closure request has been approved, however, the email also stated that the only way that I could close the account is to withdraw the funds online within XXXX hours. I have no way to access my money. The bank is refusing to provide any other option to move the money out of the account and close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: American Financial Network Inc.
State: MI

Complaint narrative:
American Financial Network conducted an escrow analysis and states my escrow disbursements for XXXX  would be over {$21000.00}. In reality, my taxes were raised to about {$4500.00} and my insurance premium remained the same around {$500.00}. So, {$5000.00} anually, not {$21000.00}. 

Informed XXXX of the error and requested a new escrow analysis to be completed but they declined saying there is nothing they can do. They state the numbers are pulled from the computer and there is nothing to change. I confirmed with my insurance and township that there were no major increases and my numbers were correct which they confirmed. XXXX would be holding over {$15000.00} in escrow overage by the end of the year .. while only needing to pay out approximately {$5000.00}. 

They refused to help in any regards and state I will get the money back if there is an overage. XXXX is despicable. My payment has now more than doubled because of their incorrect analysis and unwillingness to help. I'm sure if I struggle to make the payment they would have no problem ensuring I lose the home due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Back in XXXX, I had sent the company, what should had been my last payment, paying off my second account. I had tried several times to close the account, but the place kept telling me they placed the check on a closed account in my husband 's name. Which made no sense. My husband 's account was paid off in XXXX of XXXX. I opened an account towards the end of XXXX. Both these accounts were with a Security Company who used the company in question, for their accounts. Well, the second account I had opened was the account I had paid off XXXX of XXXX. Both accounts were part of a refinance my husband and I had done to pay off some bills. So, when the Closing company sent the checks ( both times ), they had the company 's name on it, all we had to do was mail the check. Both times we sent the check thru XXXX  XXXX, and both times the checks were signed by someone in the company in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I am requesting a full investigation into how this loan was approved, including review of all income and credit application documents. If inaccurate or unauthorized information was used, I request correction of the approval and either a re-underwritten loan based on my actual income or rescission of the contract without penalty, including correction of any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Trust Management LLC
State: LA

Complaint narrative:
After answering a phone call they asked to waive my rights and than hung up on me, XXXX when XXXX  called back XXXX  was told good luck in court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This account does not belong to me or this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX I received a call from someone pretending to be XXXX support, picked up, heard the recording that it is an XXXX call. He told me to cancel the ride I was going to pick up and that the money for that ride will be refunded. Led me to move my funds to a different card which will be sent to me in a couple of days. I did receive the full amount of money for the cancelled ride through the XXXX app. He mentioned that I will get a bonus of {$200.00} and thst someone will call me tomorrow to confirm my card arrival. 
Tomorrow, XX/XX/XXXX, received another call again around XXXX, it seemed like the same voice, again asking me to move my funds, which I did. I got a text with codes to help the scammer confirm the transfers. 
The XXXX  transaction was {$940.00} plus fee for an instant transfer of {$19.00} and the XXXX  transaction, day after was {$980.00} plus {$20.00} fee. 
I have multiple confirmation emails from XXXX support saying that there was an unauthorized action in my app. Also I have tried to get an answer from the XXXX XXXX  on how did I XXXX  the money from XXXX for the cancelled ride if someone didnt get into their system and made the transaction. 
I have all the emails, texts and screenshots. I was scammed and fell for it but this was clearly also their fault for letting someone into their system. The companies involved are XXXX XXXX  app and Uber pro card XXXX  ( XXXX XXXX  ). 
If you need any of the emails or any other info, please feel free to reach out.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc.
State: MA

Complaint narrative:
Company : Climb Credit Product : Student Loan / Education Financing I am submitting this complaint regarding Climb Credits continued attempts to charge me for a service I no longer have access to. 

I financed an educational program through Climb Credit for XXXX  beginning on XXXX XXXX XXXX. However, I no longer have access to the educational service associated with this loan. The School has lost all funds and began to fire old staff members, thus a new change in career focus was in place. instead of the code programming success that the school was originally was intended to do. XXXX wants a buisness orientated class which opposes what XXXX were originally about. the head of the school XXXX XXXX soon announces that XXXX would cease all operations and no longer will be available to students. this futher violates the student contract and violates the contract made with climb credit. 

Despite the fact that the underlying service is no longer being provided, Climb Credit continues to bill me and expects payment for a product that I can not use and am not receiving. I have contacted Climb Credit and XXXX regarding this issue, but the matter has not been resolved, and billing continues. 

I believe this practice is unfair and deceptive. Charging for an educational service that is no longer accessible defeats the purpose of the financing agreement and misrepresents the value being provided to the borrower. At no point did I agree to continue paying for a service that was unavailable to me.

Company response to consumer: Closed with explanation