vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: FL

Complaint narrative:
Carmaxx Auto Finance The original balance XXXX Date open XXXX2019 Charged off {$10000.00}, and the amount was past due {$9800.00} Account number XXXX The car was not drivable and was never offered another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MA

Complaint narrative:
keeps wanting me to verify my address and I already did all as required and sent in picture of my id and got a mailing the address is verified

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding Bank of Americas failure to provide my required Form XXXX tax document for the most recent tax year XXXX I have made multiple attempts to obtain this document through Bank of Americas customer service channels without success. I contacted Bank of America customer support multiple times by phone but was repeatedly told that my identity could not be verified, and the representatives were unable to assist me. I visited a Bank of America financial center in person and spoke with a representative who confirmed my request and told me that the XXXX would be mailed to my address within XXXX business days. It has now been more than two weeks, and the document has still not been received. This situation is preventing me from properly completing my tax filing. As a financial institution, Bank of America is required to provide Form XXXX to customers when applicable. I am requesting the following resolution : Immediate access to my XXXX tax document for the tax year 2025. Bank of Americas inability to verify my identity over the phone combined with the failure to deliver the document after an in-person request has left me with no reasonable way to obtain a required tax document.

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 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management sent pre-legal notices in XXXX, XXXX, and now XXXX notifying me they were going to send my account to a lawyer, and, being unemployed, XXXX, and only on benefits, I notified them I have no feasible means of repaying the debt and requested they cease collection activity and forgive the debt. I have both replied to emails and contacted them via the MCM website where they are more likely to see it. The emails state if they do not receive payment " or if you do not contact us '' they will continue the pre-legal process. Despite my multiple attempts at communication they have gone on to their third notice with the XXXX account. The XXXX account is no longer in the legal process, for reasons which are unknown to me. However, they are still making collection attempts on the XXXX account. I have made good faith efforts with Midland in the past and closed several accounts in the past after negotiating successfully with them, and was on good terms until now. The most recent pre-legal notification for the XXXX account does not give me a date of when to pay by, if I even could, or essentially, when they intend to send my account to a lawyer in my state. This is troubling to me because they have always supplied a date in their notices before, and I feel that this is information consumers should know if they intend to pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing regarding dispute XXXX related to a purchase made through XXXX. The decision appears to rely primarily on XXXX tracking information indicating that the shipment moved through the postal system. However, tracking updates alone do not confirm that the merchandise was successfully delivered to the cardholder. In this case, the item was never received, and I subsequently opened a XXXX XXXX Mail search request after the package failed to arrive. The existence of an active missing mail investigation indicates that the shipment may have been lost within the postal system. Because the goods were never delivered to me, I respectfully request that the dispute be reviewed again with consideration of the XXXX Missing Mail report and the absence of confirmed delivery. If additional documentation from XXXX or further information is required, I would be happy to provide it. Thank you for your time and reconsideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. Based upon the extensive timeline in which this account has been closed, I respectfully request its deletion permanently from my credit report. I consider this a professional request as the continuance of this tradeline is cluttered on an already excessive amount of personal information. PLEASE DELETE THIS TRADELINE AS A PROFESIONAL COURTESY PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
As a Certified Fraud Examiner ( CFE ) and Texas resident, I am reporting National Credit Systems , Inc. ( Taxpayer # XXXX ) for willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ). XXXX. Failure to Validate : On XX/XX/year>, I submitted a formal dispute regarding a {$8700.00} 'Other ' charge on Account # XXXX. NCS has failed to provide a sworn itemized ledger or validation of these charges, which are also likely time-barred under the Texas 4-year Statute of Limitations. XXXX. Behavioral Harassment & Deception : On XX/XX/year> at XXXXXXXX XXXX, I served a written Limited Cease & Desist to NCS executives XXXX XXXX XXXX XXXX XXXX XXXX ). Despite this, NCS engaged in deceptive caller ID spoofing ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and placed four ( 4 ) subsequent calls, including XXXX today ( XX/XX/year> ) at XXXX XXXX and XXXX XXXX. This constitutes harassment and a failure to respect consumer communication preferences under Regulation F. XXXX. Unauthorized Collection Activity : My audit of the Texas Secretary of State ( SOS ) confirms NCS is collecting from a Texas resident without the mandatory {$10000.00} surety bond required by TX Finance Code 392.101. I have filed a parallel complaint with the Texas Attorney General ( XXXX # XXXX ). I am seeking immediate administrative deletion of this unverified and illegally collected trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
After reviewing the terms of this loan, I have determined that the interest rate being charged exceeds the maximum rate permitted under XXXX XXXX law. XXXX XXXX has strict usury laws that limit the amount of interest that may legally be charged to consumers. The rate applied to this account appears to be unlawful and therefore unenforceable within the State of XXXX XXXX Because the loan carries an illegal interest rate, the agreement is not valid or enforceable under XXXX XXXX law. The current structure of the loan makes it impossible for the balance to be reasonably paid down due to the excessive interest being applied. For these reasons, I am requesting the following : Immediate closure of this account The account to be marked Paid in Full Confirmation that no additional interest or fees will be applied Written confirmation that the account will not be reported negatively to any credit reporting agencies If this matter can not be resolved promptly, I will be forced to file formal complaints with the XXXX XXXX Attorney Generals Office, the Consumer Financial Protection Bureau, and any other appropriate regulatory agencies for investigation of unlawful lending practices. Please provide written confirmation within 15 days that this account has been closed and resolved. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect personal information, employers, and accounts older than 2 years are currently on my account.

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 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chimes policy states After XXXX Instant Loans in a row, there is a XXXX wait before the next offer. The phrase in a row implies consecutive loans without interruption. My loans were not consecutive and had periods of time between them. I paid off my loan early expecting eligibility for another loan based on this wording. However, Chime denied another loan as if the rule meant XXXX loans total. I believe this wording is misleading to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: WA

Complaint narrative:
I am filing this complaint against Climb Credit regarding a loan for XXXX, which ceased all operations in XX/XX/year>. XXXX is no longer providing the instruction, mentoring, or 'lifetime access ' promised in my enrollment contract. I have contacted Climb Credit to request a loan discharge due to school closure, but they continue to require payments for services that are no longer being rendered. Under the FTC Holder Rule, I should not be held liable for a loan where the seller ( XXXX ) failed to provide the services. I am requesting that Climb Credit stop collections, discharge the remaining balance, and refund payments made since the school closed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zions Debt Holdings
State: MA

Complaint narrative:
I recently reviewed my credit reports and discovered several accounts and addresses that do not belong to me. These accounts appear to have been opened using my personal information without my knowledge or authorization. I have never lived at the XXXX XXXX XXXX XXXX XXXX addresses listed on my credit report, and I believe these addresses were used fraudulently in connection with the accounts. Zions Debt Holdings approximately {$4100.00} Zions Debt Holdings approximately {$4600.00} XXXX XXXX approximately {$400.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have been a SoFi credit card customer for several years and have consistently paid my statement balances in full. In XXXX, SoFi unexpectedly closed my SoFi bank account without providing any reason. Since that time, my access to my SoFi login has been completely restricted. Because SoFi has restricted my login access, I have been unable to access my credit card account online. Specifically, I have been unable to : View my credit card transactions View my statements See payment due dates Make payments through the normal online system Redeem the cashback rewards I have earned In XXXX, I contacted SoFi customer support by phone to make a payment because I could not access my account online. During that call, I was told that the login issue would be fixed soon. However, the problem has still not been resolved. My login remains restricted and I still can not access my credit card account. I can not access my account whatsoever. I also have not been receiving statements by mail. Without access to my account or statements, I had no way to know when my next payment was due or to review the balance and transactions. As a result, my XX/XX/XXXX payment was missed. When I recently called SoFi, I was informed that : I had been charged a late fee Approximately {$57.00} in interest had accrued I immediately paid the full balance as soon as I became aware of the issue. I requested that SoFi refund the late fee and interest charges because the missed payment occurred solely due to SoFi restricting my access to my account and failing to provide statements. However, customer support refused to refund the charges. Customer support has also refused to restore my login access or allow me to redeem the cashback rewards that I have earned on the account. This situation is entirely outside of my control. Because SoFi has restricted my login access, I have had no visibility into my credit card account, no way to monitor transactions, and no way to ensure payments are made on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank regarding predatory fee practices on my Citi AAdvantage card ( * XXXX ). For years, I have paid my balance in full and on time. Recently, despite scheduling payments through my bank ( XXXX ) well in advance of the due date, Citibank has consistently delayed the posting of these payments. The Facts : Payment Method : My credit union ( XXXX ) issues a physical check for this specific payee. Proof of Payment : For my most recent payment of {$5300.00}, the check was issued and mailed on XX/XX/XXXX, with funds withdrawn from my account the same day. Delayed Posting : Even though the check was mailed on the XXXX for a mid-month due date, Citi did not apply the payment until XX/XX/XXXX, subsequently charging a {$30.00} late fee and {$110.00} in interest. Previous Issues : This has happened for three consecutive months. While Citi waived the fees twice previously, they refused to do so today despite clear evidence of timely payment. Account Status : Due to these unfair practices and the accumulation of " interest on interest, '' I have closed all my Citibank accounts, including a Citi Strata Premier and an AAdvantage Business card.

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I was in a relationship with someone who was helping me by paying my car note for several months. After we broke up, they disputed the payments they had made, which caused the payments to be reversed and left my account behind. Because of this, several late payments were reported, and its been hard for me to catch up. Id like to dispute those late payments but didnt know the proper process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Payment each month was {$38.00} but they sent me bills for XXXX XXXXXXXX how can I afford that? Then when they wouldn't correct the invoices of a customer like me who had never been late and always piad them back on time and I will send the statements to prove each month I was paying and I only owed less than XXXX XXXXXXXX and the fee they charged me was just to close my account and hurry me up to pay them off quickly XXXX was told at the XXXX XXXX store I could pay whatever amount I was able to pay sometimes I would pay more than I owed and I would definately pay before the due date arised. They didn't even honor a warranty and I was stuck with a damaged product XXXX this happened each time I purchased something I had to return do to faulty merchandise broken .. even after looking at reviews online

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I accidentally made a duplicate payment of {$640.00} to my Capital One credit card account. After noticing the duplicate payment, I contacted Capital One customer service. The representative confirmed that the extra payment would be refunded to me by check. However, it has now been more than three months, and I have not received the refund check. During this time, I have called Capital One customer service multiple times. Each time, the representatives told me that the refund check would be issued or mailed, but no refund has ever arrived. This situation has been extremely frustrating. I have been patient and cooperative, but despite several follow-ups, the issue remains unresolved and my money has still not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Account paid and closed. Need to remove all late payments from account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a debt collection agency that has failed to respond to my written debt validation request. In XXXX XXXX, I mailed a debt validation letter to Radius Global Solutions disputing a collection account they are attempting to collect related to a utility bill for an address where I no longer lived. In the letter, I requested documentation verifying that I was responsible for the debt, including proof that I authorized service during the time the charges were incurred. As of today, I have not received any response or documentation validating the debt. Despite my written dispute and request for validation, the collection account continues to be reported on my credit report. Under the Fair Debt Collection Practices Act, once a consumer disputes a debt in writing, the collection agency is required to cease collection activity until the debt has been verified and the requested validation is provided. I mailed the validation request through the XXXX XXXX XXXX XXXX and can provide proof of the mailing transaction through my bank statement reflecting the postal service payment made at the time the letter was sent. Because the collection agency has failed to validate the debt and continues to report this account, I believe this reporting is inaccurate and potentially in violation of the Fair Debt Collection Practices Act. I am requesting that the collection agency remove the collection account from all credit reporting agencies if they can not provide such documentation. I appreciate your assistance in investigating this matter and ensuring that the reporting of this debt complies with federal consumer protection laws.

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