vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: Thaxton Investment Corporation
State: WI

Complaint narrative:
When I made my XX/XX/XXXX payment on XX/XX/XXXX, I requested an account statement to be mailed to me with my balance and transaction history for the last 6 months. Every month I call in and make my payment on time and ask what my balance is and write it down. I never receive emails with any account info and have no online access to a portal and when I do receive mail from them, it only states that I approved a one time transaction of XXXX to be paid but never gives an account history or balance. My wife suggested I get a balance in writing since I have no real history beyond my scribbles on a notepad to protect myself and glad I did. We received our tax refund and decided to be positive and eliminate a bad debt. I called to pay the loan off on XX/XX/XXXX and was advised that the balance was nothing close to what I've been tracking and what was just sent to me. ( See attached file ) Told payoff was $ XXXX. Way more than the XXXX. With loans, there's always a small monthly interest discrepancy when paying off in full. Example of my current vehicle loan. I log in to the credit union website. It has my balance and a payoff balance shown clearly with a difference of like {$35.00}. This is XXXX $ more!!!!! I asked the clerk who I need to talk to about being lied to for all this time and why I was given and sent false balance information. She gave me a number to call. I called and was connected to someone at a company named XXXX XXXX. This is a loan thru Heights Finance I thought? More news to me that its a parent company. XXXX I would have to be made aware of this somehow. I sent XXXX XXXX an email with the same file attached while on the phone. The requested account statement I received in the mail. She said she would get back to me. She never did. I sent an email on the XX/XX/XXXX and she confirmed delivery. Then on XX/XX/XXXX I reached out and she never replied. I reached out again on XX/XX/XXXX after waiting a week for her to update me on my concerns and she did not reply again. The response I ended up getting was on XX/XX/XXXX from a different person with the company XXXX XXXX. After email exchange in a timely manner for once, I explained all my above experiences and there seems to be no acknowledgement of the lies that were told to me and the clear violation of the ( FDCPA ) by misstating the balance on my account to me over a long repeated period of time. There seems to be no willingness of resolution. I believe they clearly violated the ( FDCPA ) by misstating the balance on my account to me over a long repeated period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion regarding two collection accounts reported by XXXX XXXX XXXX ( account numbers ending in XXXX and XXXX ). These accounts are inaccurate, incomplete, and potentially fraudulent. On XX/XX/year>, I sent TransUnion a formal written dispute requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). I also requested copies of all documents used to verify the accounts and demanded that TransUnion stop reporting the accounts during the investigation. TransUnion has continued reporting both accounts without providing any documentation proving their accuracy or legality. Issues with TransUnion : They have not provided any evidence or documentation validating the accounts. They failed to conduct a reasonable and documented investigation as required under 15 U.S.C. 1681i ( a ). They did not provide the required disclosures under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) regarding the sharing of my nonpublic personal information. They have not demonstrated that they maintain reasonable procedures to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). They have continued reporting the accounts despite my dispute, which is a violation of federal law. What I am requesting from the CFPB : Require TransUnion to provide all documents used to verify these accounts. Require TransUnion to delete both collection accounts if they can not produce legally valid evidence. Require them to provide the GLBA-required disclosures regarding the sharing of my personal information. Require them to stop reporting the accounts during the investigation. These accounts are harming my credit profile, and TransUnion has not complied with federal law in handling my dispute.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint against Credit Collection Services regarding two alleged collection accounts that they are attempting to collect and/or reporting to the credit reporting agencies. I previously disputed these accounts and sent a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I asked Credit Collection Services to provide competent evidence that I have a legal obligation to pay the alleged debts and that the company has the legal authority to collect and report them. Specifically, I requested proper documentation including : A copy of the original agreement or contract bearing my signature A complete chain of title showing the transfer or assignment of the debt to Credit Collection Services Documentation verifying the amount of the alleged debt, including principal, interest, and fees Proof that Credit Collection Services has the legal authority to collect and report the debt To date, the company has failed to provide adequate validation of these alleged debts. Despite the fact that the debts were formally disputed, Credit Collection Services continues to attempt to collect and/or furnish information about these accounts to the credit reporting agencies. Continuing collection activity and reporting unverified information after a dispute may constitute violations of federal law, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires a debt collector to cease collection activities until proper validation of the debt is provided. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information that is inaccurate, incomplete, or that has not been properly investigated after a consumer dispute. Because Credit Collection Services has failed to provide sufficient validation, the accuracy and legitimacy of these accounts remain in serious doubt. Reporting or attempting to collect an unverified debt is damaging to my credit profile and financial reputation. I am requesting that the CFPB investigate this matter and require Credit Collection Services to do the following : Provide full and competent validation of the alleged debts as required by federal law, including all supporting documentation. Immediately cease all collection activity until the debt is properly validated. Remove and delete these accounts from all credit reporting agencies if the company can not provide proper legal validation. If Credit Collection Services can not produce verifiable documentation proving the debt and their legal authority to collect it, the continued reporting of these accounts should be considered inaccurate and must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
FRAUDULENT ACCOUNTS : XXXX XXXX : {$2000.00} DATE OPENED : XX/XX/XXXX, BARCLAYS BANK DELAWA XXXX : {$900.00} DATE OPENED : XX/XX/XXXX, XX/XX/XXXX: {$280.00}, DATE OPENED : XX/XX/XXXX, XX/XX/XXXX BALANCE : {$330.00} DATE OPENED : XX/XX/XXXX. FRAUDULENT INQUIRIES : XXXXXX/XX/XXXX( FINANCE ) XX/XX/XXXX, XXXXXX/XX/XXXX( FINANCE ) XX/XX/XXXX, XXXX XXXX ( BANK ) XX/XX/XXXX, XXXX XX/XX/XXXX ( FINANCE ) XX/XX/XXXX, XXXX FINANCI ( BANK ) XX/XX/XXXX, XXXX XXXX ( FINANCE ) XX/XX/XXXX, XXXX XX/XX/XXXX ( FINANCE ) XX/XX/XXXX, XXXX XXXX ( BANK ) XX/XX/XXXX, BRCLYSBANKDE ( BANK ) XX/XX/XXXX. FRAUDULENT DEROGATORY MARKS :XX/XX/XXXX, BALANCE : {$1300.00} DATE OPENED : XX/XX/XXXX,XX/XX/XXXX A BALANCE {$7200.00} DATE OPENED : XX/XX/XXXX. FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX AP XXXX IL 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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am seeking legal assistance regarding an ATM deposit dispute with my bank. On XX/XX/XXXX at approximately XXXX XXXX, I went to an ATM to deposit cash. I inserted a large amount of cash into the machine. The ATM malfunctioned and jammed, returning only some of my bills, but it kept {$360.00} of my money. The screen then instructed me to contact my financial institution, and shortly after that the ATM ejected my card and ended the transaction. There was a person behind me waiting to use the machine, so I left after the card was returned. I immediately contacted my banks fraud department before a bank employee arrived to service the ATM. At that time, I was told there was no record of my transaction in the system. However, they stated a bank employee was on the way to count the ATM. Later, after I filed a formal report, the bank told me the ATM counted correctly and that camera footage showed me receiving money back from the machine. This response confused me because earlier they said there was no record of me being at the ATM. Additionally, when I called the banks XXXX customer service number, I specifically asked if both ATM machines were checked, and I was told yes. However, the local bank later informed me that only one machine was actually checked. Because of these conflicting statements and the loss of {$360.00}, I believe the situation was not properly investigated. The incident should be visible on the ATM cameras, showing that I attempted to deposit cash and that the machine malfunctioned. I am requesting your assistance in reviewing this matter and determining whether legal action can be taken against the bank to recover my funds. Please let me know if you require any additional information, such as my ATM location, bank name, or copies of the reports I filed. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app keep denying my dispute claim,, when I have told them multiple times that my wallet my phone was stolen and they still won't give my refunds and making repeal and that's not far to me and they try to say XXXX was me or someone I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
My ex husband I found out in the past 5 years hes opened credit cards and load in my name and XXXX isnt listening to me. So my credit sucks I cant get anything in my name because of him. I dont know how to prove it because he lives in another state but once these cards start coming in the Al I thought they were fake and I threw the away well hed already gotten the temp card and was using it. So now stuck with all this debt and I cant get out of it because I filed for bankruptcy already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding a collection account that is being inaccurately reported on my credit report. XXXX XXXX is currently reporting a collection account under my name for a debt in the approximate amount of {$460.00}. This information is inaccurate because this debt was already paid in full. Acct # XXXX Despite the account being satisfied, the collection agency continues to report this account in collections on my credit report. Reporting a paid debt as an active or derogatory collection is misleading and damaging to my credit profile. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies are required to report information that is accurate and complete. Continuing to report a paid debt as an outstanding collection does not meet this standard.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/XXXX I received 2 emails from sender " XXXX. '' I had no idea who this was, so I clicked on the email it is from Resurgent Capital Services. Apparently it is a debt collection agency. When I went to the website, I saw an account from XXXX that has my name on it, that Resurgent Capital Services is trying to collect on, and offered payment arrangments. I moved from XXXX to XXXX XXXX in XXXX and I do not remember having any account with XXXX XXXX back then. This may be identity theft as I had renters at my home in XXXX, they changed the water bill into my name and never paid the bill, I had to evict them in XXXX. Resurgent has not provided any proof that this {$3000.00} account is mine. " XXXX '' keeps sending emails every day and sometimes 2x a day. I believe its also illegal to try to collect something that does not belong to me, from 25 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally escalate a complaint regarding my Citibank XXXX XXXX XXXX XXXX account ending in XXXX. I applied for and opened this account based specifically on the advertised promotional offer of : 0 % Intro APR for 15 months from date of account opening for balance transfers only. Balance transfers must be completed within 4 months of account opening. This language was displayed during the application process and influenced my decision to open the account. After account opening, I discovered that no such promotional balance transfer option was made available to me. All balance transfer options reflected standard interest rates and fees inconsistent with the advertised offer. Timeline : XX/XX/XXXX Phone call to customer service, directed to email XXXX. Emailed Citi with screenshot of offer ( no response ) XX/XX/XXXX Follow-up email ( no response ) XX/XX/XXXX Phone call to customer service ( no resolution ) XX/XX/XXXX Submitted additional documentation as requested XX/XX/XXXX Received letter incorrectly stating that the offer is only available to new accounts and can not be transferred to existing accounts This response does not address my complaint. This is a new account, opened specifically because of this offer. At no point was I provided the opportunity to execute the advertised promotional balance transfer within the required timeframe. I am requesting that Citi : Honor the advertised 0 % promotional APR for balance transfers for 15 months from account opening, allowing a full 15 months of 0 % APR from the date of the balance transfer, since several months have passed since I opened the card and provide immediate access to execute a qualifying balance transfer under the promotional terms.

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 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
I opened my account with US Bank in XXXX of XXXX. When opening my account I let the banker know that I am a XXXX so I handle a lot of cash and will be making lots of cash deposits. Recently my savings accounts ( both in which I deposit my cash into ) have been closed randomly without explanation. Ive called the bank multiple times where Ive been told multiple different stories or theories as to why until today, where I record a letter in the mail stating I mishandled my banking relationship and obligations. I am extremely upset because I was unable to pay bills on time due to not having access to my funds.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Midwest Fidelity ser in the amount of {$1000.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting this complaint because the balance being reported on this account remains disputed and unresolved despite my previous complaint and attempts to resolve the issue. The account was reportedly opened on XX/XX/XXXX. After reviewing the activity and balance reported, I disputed the charges because they do not accurately reflect what I authorized or expected to owe. I previously filed a complaint through the Consumer Financial Protection Bureau, and the company responded stating that the balance was verified as accurate ; however, no clear documentation was provided showing how the balance was calculated, how the transactions were authorized, or the method used to verify the account. As of XX/XX/XXXX, the company continues to report the balance and has declined my request for correction or removal. I am requesting that the company either provide complete documentation verifying the original agreement, authorization of all charges, and a detailed accounting of how the balance was determined, or correct the reporting and waive the disputed balance. If this matter can not be resolved, I am prepared to pursue additional remedies and escalate the issue through the appropriate regulatory and consumer protection channels.

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