vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade Financial Services in XXXX XXXX, CA is attempting to delay/ inhibit/ impede my payments to them by not providing timely Statements. Not providing a Statement is a default in my Loan Agreement. I have contacted them three ( 3 ) times with no resolution. Also, the Statements they do submit are written in XXXX. I would NEVER do business with Upgrade Financial Services in XXXX XXXX, CA again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosenberg & Associates Recovery Services
State: FL

Complaint narrative:
Rosenberg and Associates at XXXX continues to call me trying to collect a credit card debit from 10 years ago. This debit was part of a bankrupt filing and was discharged. 
I have advised them and they continue to call.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I have filed a formal complaint with the Federal Trade Commission regarding this matter ( see attached FTC complaint ). This collection account was placed on my credit report by CBE Group , Inc. without any prior written notice to me, which is a direct violation of FDCPA 809 ( a ) requiring debt collectors to provide written notice within five days of initial communication and before engaging in collection activity, including credit reporting. Reporting a collection account without proper notice is a standalone violation that has caused harm to my credit profile. After discovering the account, I requested lawful validation of the alleged debt ; however, to date, CBE Group has failed to provide any validation as required under FDCPA 809 ( b ), which mandates that all collection activity cease until verification is provided. Proper validation includes, at minimum, a copy of the original signed agreement, itemized account statements, proof of ownership or assignment, payment history, and evidence that the amount reported is accurate and completenone of which has been produced. By continuing to report this unverifiable account, CBE Group has also violated FCRA 623 ( a ), FCRA 607 ( b ), and Metro 2 reporting standards, which require that furnished information be accurate, complete, and supported by documentation. I am requesting CFPB review and enforcement, and the only lawful resolution under the FDCPA, FCRA, and Metro 2 standards is the immediate deletion of this collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
A company called Contract Callers INC keeps calling and harassing me about a debt of {$540.00} that I supposed owe. I dont have any outstanding debt that I owe currently and I do not know what company this is. This is not my debt and it is affecting my credit score. Im not paying something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Albert Corporation
State: FL

Complaint narrative:
Complaint : I am submitting this complaint regarding unauthorized charges applied to my account by your company. Beginning in XXXX of last year, I was charged multiple times for a subscription that I never agreed to or authorized. As of today, the total amount taken from my account is {$1200.00}. 

Despite my attempts to identify the source, my bank has confirmed that these charges were processed through your company. I have attached bank statements and transaction records as proof of these unauthorized charges. At no point did I sign up for or consent to this subscription, nor did I receive clear notification of recurring payments prior to their withdrawal. 

These unauthorized charges have caused significant inconvenience, frustration, and financial strain. I am requesting the following actions be taken immediately : Full reimbursement of all charges totaling {$1200.00}. 

Permanent cancellation of any active subscription associated with my account. 

Confirmation in writing that no further charges will be applied. 

A review of your billing practices to prevent this situation from affecting other customers. 

I take this matter very seriously, as it reflects a breach of trust and possibly consumer protection laws regarding unauthorized billing. I expect a timely and thorough response to resolve this issue. 

Thank you for your immediate attention to this matter. I am prepared to escalate this complaint to state and federal consumer protection agencies if a satisfactory resolution is not reached. 

Sincerely, XXXX XXXX XXXX XXXX # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
YESTERDAY MY CAR WAS REPOSSESSED I ASKED FOR FURTHER CONTACT FROM SOMEONE IN THE HIGHER DEPARTMENT AND I WOULD LIKE FOR A SUPERVISOR FROM THE REPOSSESSION DEPARTMENT AS WELL AS IVE ASKED FOR SOMEONE TO CONTACT ME WITHIN THE LAST 24 HOURS! AS STATED YESTERDAY MY CAR JUST GOT REPOSSESSED AND I STATED I CANT MAKE THE FULL PAYMENT OF {$4700.00} THAT IS DUE BUT {$1200.00} AND I CAN MAKE WEEKLY PAYMENTS OF {$1200.00} TO BRING THE ACCOUNT CURRENT! I WAS TOLD THAT A SUPERVISOR WILL TAKE 24-48 HOURS AND MY VEHICLE IS AT A TOWING YARD WHICH CHARGES DAILY FOR THE STORAGE FEES! NO ONE HAS REACHED OUT! I ALSO STATED THAT MY CARD WAS STOLEN WHICH I NEVER RECEIVED UNTIL 3 WEEKS AFTER I MADE A PROMISE TO PAY AND I WAS GETTING READY TO MAKE THE PAYMENT WHEN THE TOW TRUCK CAME AND TOWED IT OUT OF MY YARD!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2026-02-10 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: TN

Complaint narrative:
I have had a standard Premium account on XXXX for quite a while. XXXX charges a few dollars per month for this account. On XXXX an XXXX charge for {$390.00} showed up on my Citi CC account. I did not authorize this charge. 

XXXX charged me for an upgraded Premium Plus account which I had never signed up for or requested. XXXX has never responded to any of my inquiries with them. 

I disputed this {$390.00} charge with Citi Mastercard on XXXX. Citi finally responded to my Dispute on XXXX and claimed that there was nothing that they could do because XXXX has a no refund policy. 

I have twice re-opened my Dispute of the charge with Citi Mastercard and both times they have come back and said that my Dispute was denied because of the XXXX no refund policy. I have called Citi multiple times regarding this dispute but the only official responses are Citi 's denial of the Dispute due to XXXX no refund policies. 

I am attaching several files that document this process.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
On XX/XX/year> my phone was stolen and there were unauthorized transactions on my Robin Hood account which I haven't used in years. The person who stole my phone used my bank account to buy cryptocurrency and transfer the crytpocurrency to their wallet. I did not authorize or approve these charges. I have since filed a police report and filed a fraud report with my bank as well. There were {$1000.00} dollars in fraud Robin Hood charges on my bank account. I reached out to Robin Hood on Saturday XX/XX/year> to alert them and send them the proper documentation. They closed out my complaint and said there was no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was charged an overdraft fee of {$35.00} on XX/XX/year> for a transaction that was charged to my account on XX/XX/year> in the amount of {$39.00}. Other overdraft fees were charged to the account as well but were removed for transactions that posted to the account before said charge. After making several deposits to the account other charges were allowed before this particular charge and 4 days later Wells Fargo charges that overdraft fee.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
CREDIT CONTROL , LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL , LLC 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 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 2026-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am submitting this complaint to request a review and reconsideration of a 30-day late payment reported by Truist Bank on my mortgage account.

I have had this mortgage for approximately 18 months and have never been late prior to this incident. The reported late payment occurred after a small insurance escrow adjustment increased my required monthly payment by approximately {$90.00}. I continued making my regular monthly payments through my bill-pay system but did not update the payment amount in time to reflect the escrow adjustment. 

As a result, the account reflected a partial payment rather than a missed payment. As soon as I became aware of the shortage, I immediately brought the account current. There was no intent to withhold payment, and I consistently made payments during this period. 
I understand that the reporting may be technically accurate ; however, given my otherwise perfect payment history, the minor escrow-related nature of the shortage, and the immediate correction once discovered, I am requesting that Truist reconsider the credit reporting as a one-time courtesy. I have contacted Truist customer serv
ice multiple times but was advised that goodwill adjustments are not permitted. I am requesting that Truist review this matter at an executive or regulatory response level and consider whether the reporting fairly reflects my payment behavior and long-standing positive history. 

Thank you for your time and consideration.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Self Financial/Lead Bank for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding the reporting of inaccurate and unfair negative information on my credit profile.

Self Financial/Lead Bank has reported 8 late payments on my account # XXXX. However, Self Financial/Lead Bank failed to provide me with a Notice of Negative Information, as required by Section 623 ( a ) ( 7 ) of the FCRA. This federal law mandates that financial institutions must notify a consumer either before, or no later than 30 days after, furnishing negative information to a nationwide consumer reporting agency. 

Furthermore, I contend that the reporting of these late payments is inaccurate because I was not properly notified of the alleged delinquency or the bank 's intent to report such status to the bureaus. This lack of notice deprived me of my right to resolve any potential discrepancies before damage was done to my credit standing. 

As a direct result of this failure to follow federal notice requirements, my credit score has been severely impacted, affecting my ability to secure financing and manage my personal finances effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
b'Back in XXXX XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX  in TXXXX XXXX and about two weeks later the vehicle started having issues with the check engine light coming on so it went to the shop and they had said it was the catalytic converter and the fuel lines so they replace those however it has still  having issues every other week/month. The biggest issue was the check engine light continuously coming on the last time it was in the shop. It was in there approximately 4 1/2 months for them to tell us that the engine was bad so they replaced it about three weeks ago from today(XXXX XXXX) and since picking it up, it has been in the shop two more times for the check engine light being on again we had picked up the car XXXX XXXX XXXX and the same day the check engine light came back on 7 miles down the road so we took it back Monday morning they said it was the injectors and catalytic converter again so they replaced it, they call XXXX XXXX XXXX XXXX to say its ready and it was running OK for about 2 1/2 days and yesterday, XXXX XXXX XXXX XXXX  We were stalled at a stop light. It was not able to go. My check engine light came on and there was an 18 wheeler coming behind us nearly hit us. I had my wife and kids in the car and at this point, we immediately took it back to the dealership and tried to talk about options on getting out of the vehicle for the safety of myself as well as my family and what could be done compensation wise etc. but he had no option other than getting into another vehicle. We put brand new tires on the vehicle before it went into the shop the last time so the tires have approximately less than 300 miles on them so we had asked for reimbursement for those as well as a down payment because now my wife has no vehicle to take her and the kids to school, but they refused as well.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/year> terms were agreed to settle debt at {$410.00} and was paid the same day. I requested for a receipt and a copy of the terms agreed upon and was promised that I would receive all this within 24-48 hours. After 48 hours I called back again requesting documentation that I never received and was promised an expedite was put in to send me documentation. Another 48 hours passed and I still have not even received proof of payment or terms agreed upon. Yesterday on XX/XX/XXXX I called once more and was promised by the end of the day I would receive my documentation and again nothing.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and/or incomplete information being furnished by Citibank to XXXX XXXX XXXX XXXX XXXX XXXX  a consumer reporting agency. 

The institution reported adverse information related to prior XXXX activity. This matter has been resolved, there is no outstanding balance or unresolved obligation, and the activity was not the result of fraud or intentional misuse. However, the information continues to be reported in a manner that does not accurately reflect the resolution of the account. 

As a result of this reporting, I am being denied the ability to open a checking account with other financial institutions, causing ongoing financial harm. I have contacted the institution directly and requested correction or updating of the information furnished to XXXX XXXX XXXX but the issue has not been resolved. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to ensure that information reported to consumer reporting agencies is accurate, complete, and updated. I am requesting that the institution conduct a reasonable investigation and promptly correct, update, or remove any inaccurate or outdated information furnished to XXXX XXXX XXXX 

I am seeking confirmation that the information has been corrected with XXXX XXXX XXXX so that my consumer report accurately reflects my current status and does not continue to result in improper account denials. 

Thank you for your assistance in resolving this matter.

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 2026-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: AR

Complaint narrative:
I have requesting Validation of debt and a signed purchase agreement that says that I owe this company and they keep sending me bills and no purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, my debit card was compromised along with my email account. I reported to my bank, Renasant Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX to let them know what had happened since I didn't get any type of fraud alert. I stay in Georgia, and I don't travel that far unless I am going to Florida to visit my mother. So I received a new debit card, and was given a number to call the dispute team. I spoke with XXXX, and he said it would take up to 6-10 weeks for the investigation to be complete. So on XX/XX/XXXX, I received {$400.00} in my account along with my direct deposit from my job. I was happy, I thought that I was reimbursed for what was taken from me, but little did I know it was taken back on XX/XX/XXXX, and I called the dispute team and asked why my money was taken out of my account. He told me the investigation was complete and that I was the person who purchased the tickets. I live in GA, not NC or wherever this place is. I was called a liar and a fraud ; it didn't come out of their mouth but that's how I felt. I went to my documents on my online banking app on the day that I spoke to the dispute team to find the info, and it was gone. The info for the merchant and everything. So Why take that document out of the documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
The Department of education is still reporting on my credit report that I have late payments when all of my payments has always been in deferment and all of my accounts are now closed due to me being XXXX but on my credit report is showing that I have late payments from XXXX XXXX but they consolidated all of my debt due to a XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This is my XXXX complaint. You closed my XXXX complaint stating that interest accured from XXXX to XX/XX/XXXX. 

When I made the huge payment I specifically stated I wanted that amount to be applied each month thru XXXX of XXXX. That didn't take place resulting in interest accruing which is the loan providers error. 

I want the interest that was charged reversed before I contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: MD

Complaint narrative:
For the last XXXX XXXX. Almost everyday at least twice a day I get an automated phone call that says this is XXXX XXXX from credit management company. Its just a recording no real person. Doesn't say who the call is for. It gives the same phone number to call back. 

I have no idea if its even for me. But it won't stop. I have answered the phone once all thats there is the recording.

Company response to consumer: Closed with explanation