vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
I am sending this letter in response to a letter you sent me on XXXX XX/XX/year>. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called XXXX on XX/XX/year> to verify how much my payoff amount is, and the representative I spoke with confirmed that the payoff amount is {$1400.00}. ( I also called about a week before that and got the automated voice that also stated the amount was {$1400.00} as well ). She took my debit card information over the phone and processed the payment. The funds were taken from my account the very next day, XX/XX/year>. They sent an email showing a paid off XXXX balance, but a few days later, they reopened my account, and said I am still owing. No emails or calls were given to state that the account was back open, and that I owed more. ( I called them when I saw they tried to take money out of my account after I received the email saying I paid in full ). I then asked them for a formal explanation of why I still owed after I had just paid off the account, and they filed a claim to investigate what happened. It has been a month, and they have not given me a definite answer ; at the same time, they want me to still make payments. Now they are saying that because of interest, the new payoff balance is almost {$700.00}. On top of all that, when they opened the account back up without notice, interest has been piling up daily without me knowing for almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: AZ

Complaint narrative:
I moved and I ordered a new debit card from XXXX XXXX XXXX XXXX XXXX well I made a mistake and put on address building number XXXX XXXX and that was not correct I'm.only to put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do they returned my new card and I been trying to get hold of someone from.XXXX card place I finally got thru two nights ago at XXXX XXXX and rel told me to email a copy of me state id which I done, 10 times and still.cant get replament carr and my benefits are due in a week or less no one helping me thirt just don't care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed that my account is Frozen, I called up and asked them why? and they told me it's going to take 90 days. I don't have 90 days to wait

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a solar installation loan and system that has not performed as represented. On or around XX/XX/XXXX, I entered into a solar installation agreement and financing arrangement through a third-party lender, Loanpal, to install solar panels at my residence. The system was installed by XXXX XXXX The system was sold to me following the XX/XX/XXXX winter storms. During the sales process, I was told the solar system would help ensure reliable power during outages and reduce dependence on the electrical grid. I was also told I would receive approximately 33 % back through a government tax credit. After installation, I began making monthly payments starting XX/XX/XXXX. I have made every payment on time and have never missed a payment. Shortly after installation, I experienced issues with the system not functioning properly, and the company performed a service visit in XX/XX/XXXX. In addition, I repeatedly contacted the company over time regarding system performance and was told their monitoring system showed the panels were working properly. However, on XX/XX/XXXX, a technician sent by the company inspected the system and discovered that one entire side of the solar panel system had never been working. A follow-up repair visit was completed approximately two weeks later. This means I had been making payments for years on a system that was not fully operational. The information previously provided to me regarding system performance was incorrect. I was also not clearly informed at the time of sale that a lien or security interest would be placed on my home. I only discovered this while reviewing my homeowners insurance in XXXX. Despite these issues, I have continued making all required payments on time, but the system has not performed as promised or fully delivered the service represented during the sale. I am requesting assistance in resolving this issue, including review of the loan, system performance, and consideration of cancellation or other appropriate remedies due to misrepresentation and non-performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I am submitting this complaint regarding IQ Data XXXX XXXX XXXX ( d/b/a Assurant Recovery Solutions ) and their continued collection and credit reporting of a disputed balance originating from XXXX XXXX XXXX ( XXXX XXXX, Arizona ) . I vacated the property and surrendered possession on XX/XX/2023. Arizona Revised Statutes 33-1321 ( D ) required the landlord to provide an itemized accounting of any deductions within fourteen days by XX/XX/2023. No accounting was provided within that period. The earliest document produced is dated XX/XX/2023, more than forty days after surrender of possession, and is framed as a collection demand rather than a statutory accounting. No proof of delivery of any compliant accounting has ever been provided. Under Arizona law, failure to meet this deadline results in forfeiture of the right to withhold or claim any damages beyond the security deposit. The alleged balance was never lawfully fixed, liquidated, or enforceable. Despite this statutory failure, the account was referred to IQ Data for collection. I disputed the debt and requested validation. IQ Data provided no response whatsoever no accounting, no proof of delivery, no mitigation documentation, and no documentation of any kind establishing the accuracy or legal basis of the amount claimed. Nevertheless, IQ Data has continued collection activity and continues to furnish this account to XXXX and XXXX. IQ Data is collecting and reporting a balance that was never lawfully finalized under Arizona law, that has never been substantiated with any supporting documentation, and that remains unvalidated following a timely dispute. Neither the original creditor nor the collection agency has produced documentation demonstrating that the statutory accounting was issued, delivered, or compliant or that reasonable mitigation efforts were made to support the amount being claimed. I am demanding that the CFPB direct IQ Data XXXX to immediately cease all collection activity on this account, delete all associated reporting from all credit bureaus, and confirm in writing that the account is closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Account XXXX # XXXX They repossessed my vehicle without first providing me with a required Notice of default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit Bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S.C.Code 1681s-2 ).

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On or around XX/XX/year>, I received a collection letter from Midland Credit Management , Inc. ( MCM ), signed by XXXX XXXX, XXXX XXXX, regarding an alleged debt of {$600.00} purportedly originally owed to XXXX XXXX XXXX XXXX Double Cash ( account ending in XXXX, MCM Account No. XXXX ). MCM claims to have purchased this account on XX/XX/year>. I dispute this debt in its entirety. MCM has not provided adequate validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, MCM has failed to provide : ( XXXX ) a copy of the original signed credit agreement between myself and Citibank , N.A . ; ( XXXX ) a complete itemized account statement demonstrating how the alleged balance of {$600.00} was calculated ; ( XXXX ) proof of the full chain of title/ownership showing MCM 's legal right to collect this specific debt ; and ( XXXX ) verification that this debt is not time-barred under the applicable statute of limitations. The account allegedly charged off on XX/XX/year>, and MCM claims to have purchased it only XXXX days later on XX/XX/year>. I have not received sufficient documentation to verify the legitimacy of this debt or MCM 's authority to collect it. I request a full investigation into MCM 's collection practices on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
My check of over {$2000.00} was deposited into my cashapp on XX/XX/year> around XXXX. On XX/XX/year> around XXXX my whole check got taken out and used to buy bitcoin. I did not authorize this transaction. Cashapp support started an investigation but I am not promised reimbursement. They didnt confirm my account was compromised but will not reassure me that I will get reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to file a formal complaint against CareCredit regarding their failure to respond to my consumer dispute and claim for refund of charges for card security service. Under the Consumer Financial Protection Act, section 1034, covered financial institutions are required to provide timely responses to consumer complaints and requests. Despite my initial claim submission in XX/XX/XXXX for card security service that was unavailable from XX/XX/XXXX through XX/XX/XXXX, I received no response. I made multiple follow-up attempts in XXXX, XXXX, and XXXX, during which CareCredit representatives confirmed that the cardsecurity department was closed during this period. In XX/XX/XXXX, CareCredit reopened my claim and I submitted additional supporting documentation. However, I have received no response to my claim or resolution regarding the charges I paid for a service that was not provided. This constitutes a violation of CareCredits obligation under the Consumer Financial Protection Act to respond in a timely manner to consumer complaints. I paid a significant monthly fee for this unavailable service and CareCredits failure to engage with my claim has left this matter unresolved for months. I request that the CFPB investigate CareCredits handling of consumer disputes and their failure to respond to my specific claim. I am requesting that the CFPB investigate this situation as the service was not provided to me despite my hardship request, and I am seeking cancellation and removal of this debt as CareCredits own card security program includes hardship provisions for consumers, which I paid for monthly

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC
State: MN

Complaint narrative:
My ex-partner ( XXXX ) and I took a loan to finance a replacement A/C unit. After we separated I continued making payments. The loan repayment was set to autopay My ex-partner filed for bankruptcy. Lender turned off autopay, and never contacted me to inform me that I am required to make payments. I didn't get any emails, texts or phone calls from the lender After the proceedings were over, they reported me to the credit bureau as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
This is my second addressing this issue my account was negative XXXX dollars that I did for using the overdraft they made my account show it was negative over XXXX XXXX dollars your not by any means legally allowed to show my account different than the true amount and also when I address it u dont change ot and leave it to when I do get paid my account is locked and I have to fix it and u complain of my language its america trust one bank are you sensitive or just a peice of XXXX that allows your people to XXXX veterans with a family of 5 over and make me go through XXXX so ill see you in court amd its going on the news and social media I warned you and asked u to fix your mistakes and take responsibility at the end of the day you committed a crime against me look it up you XXXX! see yall in court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing this complaint regarding a billing dispute that was incorrectly denied by Bank of America. On XX/XX/year>, I was charged multiple amounts by XXXX XXXX ( XXXX ), including {$280.00} per vehicle and additional charges totaling {$410.00}. These charges were presented to me as required fees to reinstate my vehicle registration. However, the Massachusetts XXXX officially confirmed in writing that they only received {$50.00} per plate and do not know who received the additional amounts charged ( {$280.00} and {$77.00} ). This clearly indicates that the additional charges were not official government fees. I contacted the company multiple times requesting a clear explanation and breakdown of these charges, including who received the money and proof that these charges were authorized. The company failed to provide clear or consistent information. Despite submitting this official XXXX confirmation and supporting documentation, Bank of America denied my dispute based on the merchants documentation, which contains inconsistent amounts and misleading descriptions. I am not disputing the official XXXX fee of {$50.00} per plate. I am disputing the additional {$410.00} that does not correspond to any official fee and was not clearly disclosed or properly authorized. I am requesting that Bank of America properly review this case and reconsider their decision based on the official XXXX confirmation and the inconsistency of the merchants documentation.

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