vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PRA Receivables Management LLC repossessed my truck. I paid to get my truck back and the truck now has damaged on the body of the truck. The motor knocks now. The steer column has been damaged. The plastic cover that covers where the key goes in at to crank the truck is missing. The front plastic bumper is missing from the truck. Fuses are missing from the fuse box for the truck. The electronic fuel pump has been burned up from someone trying to crank the truck either from trying to crank the truck with no gas in the gas tank or because the fuse was missing from the fuse box. The electronic fuel pump cost {$410.00} to replaced. Once replaced the motor is now knocking and the motor needs to be replaced. Scratches on the driver side of the truck. Scratches on the passenger side of the truck. Scratches on the passenger side at the back of the bed of the truck. Dents on the passenger side of the bed of the truck. Damaged below the passenger side door at the bottom of the truck. The dash of the truck where the speedometer is has been broken. The truck is undrivable now. Before it was repossessed the truck run good and did not have any body damaged. If I knew the truck was going to come back to me damaged and undrivable I would have never paid the money to get the truck back. After talking to a garage repairman, the truck will cost into the thousand to be fixed. And I do believe that PRA Receivables Management LLC is not planning on paying to have the truck fixed when the truck was damaged while in their position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Many month ago, I was notified by law enforcement that I had been ( and was ) the victim of idenity and mail fraud/theft. I was then advised to closely review all of my financial accounts. 
Upon reviewing the charges to my Citibank Mastercard, I located the following charges : 1. Merchant Name ( as shown on statement ) : XXXX XXXX XXXXXXXX Disputed Amount : {$48.00} Date of Charge : XX/XX/XXXX XXXX. Merchant Name ( as shown on statement ) : XXXX XXXX XXXXXXXX Disputed Amount : {$190.00} Date of Charge : XX/XX/XXXX XXXX. Merchant Name ( as shown on statement ) : XXXX XXXX XXXXXXXX Disputed Amount : {$170.00} Date of Charge : XX/XX/XXXX I disputed the charges MONTHS AGO and I sent correspondence to Citibank about these charges on : XXXX. XX/XX/XXXX ; XXXX. XX/XX/XXXX ; XXXX. XX/XX/XXXX ( this correspondence specifically noted that XXXX XXXX XXXX was waiting on Citibank to make contact so that it could process my refund ( s ). and there was never any response to same. 
XXXX. XX/XX/XXXX ; XXXX. XX/XX/XXXX ; XXXX. XX/XX/XXXX. 
However, Citibank never acknowledge my dispute of these particular charges. 

As of the date I submit this complaint, Citibank has still failed to ever acknowledge these particular disputes. 

my correspondence, was transmitted via email and was physically delivered by XXXX XXXXXXXX XXXX XXXX XXXX I do have copies of the delivery confirmation. 

Despite transmitting this written correspondence, I never got any response from Citibank. I have spoken with this merchant multiple times and the merchant is ready and wants to refund me but, despite me submitting my disputes and despite my multiple letters, Citibank has NEVER contacted the merchant. 

THE MERCHANT WANTS TO REFUND ME BUT IS WAITING ON CITIBANK and the lawyer for the company just reiterated this to me again. This is very improper and CITIBANK SHOULD BE SANCTIONED

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
My identify was stolen. My phone, email, and bank was all hacked into. I immediately contacted Chime while it was happening. I had to disable my cards and order new ones. Had to get into my account to change my phone number and email that I no longer had access to. This all happened in less than two hours that all accounts through Chime were basically drained. I contacted Chime immediately with all transactions that were fraudulent, they said they would have to investigate further. After their investigation, they have come back and said they will NOT return any of the stolen funds. 
I have reached out to Chime many times and have received the same response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I received a final notice letter from Aidvantage. In the letter, Aidvantage demanded an " immediate and full payment of your balance for the loans listed below '' or else " The U.S. Department of Education can take other legal action against you. '' On XX/XX/year> I called Aidvantage to inform them that they violated the Fair Debt Collection Practices Act by sending a vague threat of other legal action that did not specify civil or criminal legal action. The Aidvantage representative confirmed that the company had the letter in their records and that the letter in their records did have the line " The U.S. Department of Education can take other legal action against you. '' The representative then made the excuse that the letter was automated and similarly worded letters were sent to thousands of people. 

On XX/XX/year> I called Aidvantage again to inform them that they violated the Fair Debt Collection Practices Act and that I was filling out a complaint on CFPB. I asked to speak to a supervisor in an attempt to get a resolution. The supervisor took the complaint seriously ( although they stated their disagreement with the facts of the matter ) and said they would forward the report to their legal department. During this call we also spoke about the fact that neither XXXXXXXX XXXX nor Aidvantage provided me with the legally required documents for issuing a loan ( Borrower Verification and Loan Specifics ). The supervisor confirmed that the first correspondence between Aidvantage and myself occurred years after the loans were originally issued. The supervisor could not provide a reason why Aidvantage did not contact me sooner with the legally required documents. We ended the phone call amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME

Complaint narrative:
ON XX/XX/year> I HAD A CAR ACCIDENT WITH A CAR I FINANCED TROUGH TOYOTA. THE VEHICLE WAS A TOTAL LOSS AT THAT ACCIDENT. MY INSURANCE THROUGH TOYOTA ( gap insurance ) WAS SUPPOSED TO PAY FOR THE REMAINING BALANCE OWED FOR THIS VEHICLE. NONETHELESS, TOYOTA CANCELED MY GAP INSURANCE POLICY BECAUSE ACCORDING TO THEM I DIDNT PROVIDE IT A DENIAL LETTER FROM MY CAR INSURANCE AND/OR PROVIDED A DAMAGE ESTIMATED OF THE DAMAGES. THIS VEHICLE WAS KEPT HOSTAGE IN A WRECKING YARD IN XXXX NORTH CAROLINA, I LIVE IN MAINE. IT WAS NOT POSSIBLE FOR ME TO GET THAT ESTIMATE MOREOVER BECASE THE WRECKING YARD OWNER NEVER EXPLAINED THAT HAVING MY CAR IN THIS WRECKING YARD WILL COST ME ANY MONEY BASED ON THE DAYS THE VEHICLE WAS THERE. THE WRECKING YARD OWNER REFUSED TO PROVIDE ME WITH A DAMAGE ESTIMATE. AND AS FOR A DENIAL LETER FROM MY CAR INSURANCE, I WAS ALSO UNABLE TO PROVIDE ONE SINCE FROM THE VERY FIRTS BEGINNING, TOYOTA SOLD ME THIS VEHICLE KNOWING I DIDNT HAD A FULL COVERAGE INSURANCE THEREFORE MY INSURANCE COULD PROVIDE ANY DENIAL LETTER BECAUSE THEY WERE NOT DENYING ANY SERVICE, IT WAS BECASE AT THE TIME OF THE ACCIDENT I DIDNT HAVE A FULL COVERAGE ON MY INSURANCE POLICY, THE ONLY COVERAGE I HAD I THE TIME OF SIGNING FOR THIS VEHICLE WAS LIABILITY AND NOTHING ELSE BUT WHEN I WAS AT THE DEALERSHIP GETTING THIS CAR, THE SALESMAN TOLD ME THAT SINCE I DIDNT HAD FULL COVERAGE, ADDING GAP INSURANCE WILL COVER FOR ANY AMOUNT OWED IN THE SCENARIO I GET INTO AN ACCIDENT. GAP INSURANCE NEVER COVER ANYTHING AND ACCORDING TO TOYOTA, THEY REFUND ME ALL THE MONEY I PAID FOR GAP INSURANCE, REPOSTED THE VEHICLE, SOLD IT AS SALVAGE IN AN AUCTION AND NEVER TOLD ME THEY WERE DOING ALL THIS. 

I TRIED SUBMITTING DISPUTES WITH THE CREDIT REPORTS BUT NONE OF THEM WERE ABLE TO HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
debt showed up on my credit report for medical bill for ER visit where I had insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Comerica
State: VI

Complaint narrative:
I noticed several suspicious debit card transactions on my XXXX XXXX card in XX/XX/2026. I contacted XXXX XXXX and reported the suspicious activity. I was told a Questionnaire would be sent that I needed to fill out in order to get my money refunded. I terminated the card with the representative but received no Questionnaire until just a few days before the deadline of XX/XX/2026. Because the card was cancelled I had no access to the transactions to determine the extent of which my card had been illegally charged. The Questionnaire finally arrived and I was issued SR number XXXX and I filled it out and returned it in a timely manner before the deadline. In the Questionnaire I challenged 18 transactions from various XXXX XXXX to my account : XXXX XXXX, XXXX XXXX, and XXXX XXXX. I do not nor have I ever played these games, loaded the apps for them, or subscribe to them. After timely filing the Questionnaire I followed up with a phone call to XXXX XXXX on XX/XX/2026 to verify they received my e mail with the completed Questionnaire attached to the e mail. When I was connected the representative told me my claim was denied. The reason stated to me was that I had a monthly subscription to XXXX XXXX paid for by XXXX XXXX going back several months before the disputed XXXX fraudulent activity. I told the representative that my XXXX XXXX subscription was legitimate whereas the XXXX activity for the XXXX Games was not. I use XXXX XXXX and need it and have the app loaded on my phone whereas the XXXX XXXX  were never loaded by me and I do not play any online Games at all. 
The reason stated for denying my claim was arbitrary. I informed the representative that I wanted to appeal the denial but I do not know if this was done or what rights I have to dispute the decision. 
My understanding is that my claim is not the first to be denied by XXXX XXXX that was a legitimate claim. It is also my understanding This agency has taken prior action against XXXX XXXX in this regard.

I want this agency to know that XXXX XXXX still has this anti consumer practice in place and that the agency needs to insure that this practice be outlawed and some affirmative action taken to correct it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
During the XXXX 2025 period, I rented a vehicle from XXXX XXXX and properly extended the rental period on two separate occasions.

I paid {$210.00} USD for a rental extension requested by phone, during which XXXX took my card information and processed the charge. I also paid an additional {$98.00} USD for another rental extension processed in person at the airport rental office, where my card was physically charged. That location has security cameras that can confirm my presence and the transaction. 

Despite these authorized and paid extensions, XXXX later charged my credit card {$950.00} USD for an alleged failure to extend the rental. This charge was never authorized, approved, or agreed to by me. 

I contacted XXXX to request an explanation and a detailed itemization of this charge, including proof of authorization, but the company failed to provide clear documentation. I then disputed the charge with my credit card issuer. Although I provided evidence that the extensions were paid, the dispute was closed in favor of the merchant without proper resolution. 

This charge is the result of an internal or administrative error by the merchant, and I should not be held responsible for a charge I never authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I filed a fraud claim for XXXX unauthorized debit card transactions totaling {$400.00}. My bank denied the claim stating I authorized or participated in the transaction, which is false. I did not authorize this charge and did not benefit from it. They are now reversing my provisional credit. I am requesting a reinvestigation under Regulation E and a permanent refund for this unauthorized electronic fund transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint against all three national consumer reporting agencies for repeated violations of the Fair Credit Reporting Act related to identity theft, reinsertion of previously deleted information, and failure to maintain accurate consumer files. 

I am a documented victim of identity theft. My personal identifying information was misused to open accounts, generate credit inquiries, and create public records that do not belong to me. I did not apply for, authorize, sign for, or benefit from any of the disputed items. There is no lawful proof, signature, video evidence, or in-person verification tying me to these debts. 

Despite multiple disputes and submission of Identity Theft Reports, the credit reporting agencies continue to report fraudulent information, including items that were previously deleted and later reinserted. 

The disputed and fraudulent items include : Public record XXXX listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( Reference No. XXXX ) Auto loan tradeline reported by XXXX XXXX XXXX XXXX ( deleted and later reinserted ) Credit accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All associated balances , late payments, utilization, and derogatory remarks Additionally, the credit reporting agencies are maintaining inaccurate personal identifiers, including incorrect names, addresses, and employers, resulting in a mixed and contaminated credit file. 
The ONLY accurate name is XXXX XXXX. 
The ONLY accurate address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

This is not a single error. It is a pattern of deletion followed by reinsertion, causing repeated harm. 



LAWS VIOLATED The conduct of Experian , Equifax, and TransUnion violates multiple federal statutes, including but not limited to : 15 U.S.C. 1681c-2 Mandatory blocking of identity theft information 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Unlawful reinsertion without certification and notice 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) and ( b ) Furnisher and CRA duties after notice of dispute 18 U.S.C. 1028 and 1028A Identity theft and aggravated identity theft Once identity theft is established, the law requires blocking and permanent suppression, not repeated reinvestigation or reinsertion. 



HARM CAUSED The continued reporting and reinsertion of fraudulent information has caused : Ongoing credit damage Denials and adverse credit decisions Increased risk of further fraud Significant emotional distress and administrative burden

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX I am submitting this complaint regarding my inability to cancel a paid credit monitoring membership with Experian despite repeated and reasonable attempts through all available channels. 

I have attempted to cancel my membership by : Logging into my Experian online account ( access denied/ login failure ) Contacting Experian by phone ( unable to reach a live representative or complete cancellation ) Using Experians online systems, which fail to provide functional access to manage or cancel my subscription As of the date of this complaint, Experian has failed to provide a reasonable, accessible method to cancel my membership, while continuing to maintain control over my account and billing access. 



Detailed Explanation Experian markets its subscription services as consumer-controlled and cancellable at any time. However, in practice, Experian has made cancellation inaccessible by : 1. Preventing account login or access required to cancel 2. Failing to provide effective phone or human support 3. Creating a system where billing can continue without meaningful consumer control This conduct raises serious concerns regarding : Unfair billing practices Failure to provide reasonable customer service access Potential violations of consumer protection standards enforced by the CFPB I am not disputing the existence of the account itself. I am disputing Experians failure to allow cancellation and account control, which places consumers at an unfair disadvantage. 



Harm to Consumer Loss of time and opportunity to cancel Stress and uncertainty regarding continued billing Risk of unauthorized or unwanted charges Inability to exercise consumer rights over subscription services Resolution Requested I respectfully request that the CFPB require Experian to : 1. Immediately cancel my credit monitoring membership 2. Confirm cancellation in writing 3. Stop all future billing or charges 4. Refund any charges incurred after my documented attempts to cancel 5. Provide a clear, functional method for consumers to cancel memberships going Closing Statement Consumers must have reasonable and functional access to cancel paid services. When a company controls access to both the account and the cancellation mechanism, continued billing becomes inherently unfair. 

I appreciate the CFPBs review of this matter and request formal intervention to resolve this issue. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XX/XX/year>

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 2026-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I and recently reviewed a copy of my credit report and noticed an unfamiliar account on my report from a third party I do not have a contract with. They stated original balance is XXXX $ and balance and current balance is XXXX $ which I have no idea where those charges are coming from. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 2026-01-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lawson Hamilton & Associates
State: FL

Complaint narrative:
There is a payday loan on my credit report and I have no agreement of this loan. They said it was tooling out in XXXX  I never got or had a payday loan in that year. This is not my account.

Company response to consumer: Closed with explanation