vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding the reporting of a late payment on my account with Self Financial. I previously contacted Self Financial directly to request a goodwill adjustment for a late payment reported on my credit file. While I understand the importance of accurate reporting, I explained that this late payment occurred during a temporary hardship and that I have since worked hard to improve my payment history and financial stability. Unfortunately, Self Financial declined to make any adjustment despite my account otherwise being in good standing and my efforts to maintain responsible payment behavior. This negative reporting is currently impacting my ability to secure housing for my family. I am respectfully requesting that Self Financial review my account again and consider a one-time goodwill or courtesy adjustment to remove the late payment reporting as a gesture of good faith. I value the opportunity Self Financial gave me to build credit and hope the company will reconsider this request given my improved payment history and the circumstances surrounding the late payment. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I purchased a vehicle on XX/XX/year>, through Bridgecrest. By XX/XX/year>, the car became completely undriveable. I had to pay {$200.00} in towing fees just to get it to a mechanic within the warranty network. I have been in contact multiple times with the dealership that sold me the car and with Bridgecrest regarding this issue. I requested to return the car and have the loan removed so I could obtain a working vehicle. These requests were denied, and I was told that surrendering the car would count as a voluntary repossession and result in a charge-off on my credit, despite the fact that the car is undriveable and not in my possession. I was also informed that it could possibly take up to XXXX weeks for the car to be fixed, even if everything goes perfectly, and that there is no guarantee the warranty claim will be approved. The warranty offers rental reimbursement of only {$300.00}, which will not even cover a single week of a rental car, leaving me without transportation. Despite not having a working vehicle, my first payment is due this XXXX. I find it completely unreasonable and unfair that I am expected to pay for a car I can XXXX XXXX and do not have access to. I am requesting that the Consumer Financial Protection Bureau investigate Bridgecrest for : Requiring payment on a car that is undriveable Denying my request to return the vehicle Potentially threatening my credit for a situation that is not my fault Failing to provide a reasonable resolution while the vehicle is inoperable I also request assistance to ensure my account is properly adjusted until the warranty repair is completed or a fair resolution is reached. Thank you for your attention and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goal Structured Solutions, LLC
State: IL

Complaint narrative:
I made an additional payment on my account while I was waiting for Launch Servicing LLC to put my account in deferment. It took the company 3 months to correct my account status and now they are refusing to refund me my over-payment. The payment was made XX/XX/XXXX for the bill due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
alliant does not answer my questions. I was subject to fraud. I was forced to pay for a personal loan and was under duress. Please advise the steps on how to proceed. It was also not identity theft. I can no longer pay due to job loss, medical issues and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
In 2023 I financed a solar panel installation through GoodLeap for approximately {$41000.00}. The installer was XXXX XXXX XXXX XXXX XXXX XXXX ). Shortly after installation, the solar system was not functioning properly. I attempted to contact the installer several times, but the company stopped responding and later went out of business. I contacted GoodLeap to report that the system was not working and asked for assistance. I was told that I would need to find another company to repair the system. As a result, I had to hire another solar company and paid {$1800.00} to repair and make the system operational. In addition, loose mounting bolts from the solar installation caused damage to my roof. I had to hire a roofing contractor to secure the solar mounts and repair the roof, which cost {$1200.00}. The contractor documented the issue with photos and video showing loose bolts from the solar installation. I have continued making my monthly loan payments to GoodLeap, but the system failed shortly after installation and the original installer is no longer in business. I contacted GoodLeap again to request assistance or reimbursement for the repair costs, but they declined and stated they are only the finance company. I am submitting this complaint because the solar system financed through GoodLeap was not properly installed, the installer is no longer operating, and I was forced to pay additional costs to repair the system and roof damage.

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 — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank XXXX card ending in 2025. This card was loaded with fraud from XXXX. They have eliminated most of the fraud but, they have not adjusted the late fees and interest rates charged on the fraud charges. In XXXX, I paid off the card in full for all the charges that were made by me {$410.00} which included the interest of {$15.00}. The Card has not been used since XXXX. Now, in XXXX, they say I owe {$780.00} because of late fees and interest rates. For example, the XXXX statement said I owed {$9300.00}, for which they charged me {$190.00} in interest. There was XXXX balance on the card because I paid it in full. Now they say I owe {$780.00} in charges, but they refuse to document the charges. They have single handed ruin my credit because of all this activity. I am debating getting an attorney. But they have to prove the charges.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have tried on many occasions to set up a payment plan. This company does not want to work with me. I can make an extra payment a month probably for XXXX or XXXX months maybe less to catch up, I have over XXXX dollars to put towards what I owe. The Company called me and asked me what are my intentions, and I said XXXX keeping my home and I have at the time XXXX to put towards what I owe. The female on the phone stated I owe actually XXXX dollars and will have a reinstatement letter sent to my home. I get the letter and it says I need to pay over XXXX dollars to have it reinstated. There was corporate advance fees, I called them to ask them to explain this and no one has called me back or left a message. Letter stated must be paid by Friday XX/XX/XXXX and I received the letter on XX/XX/XXXX. This is a very unfair practice by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: TX

Complaint narrative:
I am filing this complaint regarding the reporting and handling of an auto loan account by Volkswagen Credit following a repossession. This account relates to a vehicle that was repossessed. I have disputed the accuracy of the information being reported to the credit reporting agencies and requested documentation supporting the balance and the reporting of the account. Despite my disputes, the account continues to report negatively on my credit report. I have not been provided sufficient documentation explaining how the reported balance was calculated or documentation showing that all required notices related to the repossession and sale of the vehicle were properly issued. Under the Fair Credit Reporting Act, companies that furnish information to credit reporting agencies must ensure that the information they report is accurate and must conduct a reasonable investigation when a consumer disputes information. I am requesting that Volkswagen Credit conduct a proper investigation and provide documentation supporting the accuracy of the account, including records of the repossession, sale of the vehicle, and calculation of any remaining balance. If the information can not be verified, I request that the account be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dealership was caught doing fraud we are on factual dispute with the attonery general of XXXX and now neaar investigation witht he XXXX XXXX XXXX XXXX and now the bank who is a joint creditor via auto navigation once notifyed of a potential investigation has restricted my account and told me that it was because i filed a complaint as a consumer of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
My car was repossessed by Easy Money and now its on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I pulled my consumer profile recently and found inaccuracies, unverifiable and unauthorized information on my full consumer profile I did not authorize these accounts.

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 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Triton Recovery Group
State: TX

Complaint narrative:
XXXX XXXX with triton recovery has contacted myself and my parents ( leaving threatening messages causing my father to have a XXXX XXXX ). I am XXXX XXXX XXXX and have advised her to contact my attorney. I have provided my attorneys information and my attorney has advised for her to communicate with him directly in accordance with the fair debt collection practices act. XXXX XXXX has advised she will reach out to anyone whenever she wants and will not follow those practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Validation of Debt Request - CREDIT COLL - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because creditors are still reporting inaccurate information on my credit report after my Chapter XXXX bankruptcy discharge. They should no longer be reporting on my file. These debts were legally eliminated through bankruptcy and are no longer legally collectible. Reporting them as active debts creates the false impression that I still owe these balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I applied for auto insurance with XXXX XXXX XXXX. I wanted to Bundle my auto insurance with my home owners. I was given a quote of {$300.00} dollars. I proceeded forward with my purchase and the price increased to {$360.00} because of Lexis Nexis consumer report of an incident on XX/XX/year> that i am not aware of or filed a claim. I reached out with several attempts to have this resolved and no response or validation has been provided. I have not filed any insurance claims in the past 7 years and this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The account in question is : Creditor Name : Sunrise Credit Services Inc. Account Number : XXXX I have never provided written consent to Sunrise Credit Services to obtain, share, or report my personal information for any credit or collection purposes. Under 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer information when a specific permissible purpose exists such as when the consumer has provided written authorization. No such authorization was given in this case. Because no written consent or verified contractual agreement exists, I am requesting that this account be immediately investigated, verified, and deleted from my credit file under 15 U.S.C. 1681i, which requires reinvestigation of disputed information. If XXXX XXXX XXXXXXXX or XXXX XXXX XXXX can not produce lawful documentation showing my written consent or an existing contractual relationship, this account must be removed from my credit report in accordance with federal law. Please provide written confirmation of your investigation, the documentation reviewed, and your final determination within 30 days, as required by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I contacted Acima Credit to pay off my lease in full. During the call, a supervisor informed me that if I paid the balance that day, the payoff amount would be reduced by {$50.00}. The supervisor transferred me to their automated phone payment system to enter my card information. However, the system would not accept keypad input, preventing me from completing the payment through the phone system as instructed. Because I still intended to complete the payoff that same day, I immediately logged into my account and paid the full balance through Acimas website. After the payment posted, the supervisor stated that the {$50.00} reduction would not be honored because the payment was completed online rather than through the phone system. I relied on the payoff amount quoted by the supervisor and attempted to follow their instructions to process payment through their system. A technical issue prevented this, yet the company refused to honor the payoff amount that was quoted to me. I am requesting that Acima Credit honor the {$50.00} reduction that was offered when I paid off the lease as instructed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
At this time, the account reflects a {$0.00} balance, and I respectfully request that Midland Credit Management consider removing this account from my credit reports with all major credit bureaus. Since the balance has been resolved, I would greatly appreciate a goodwill adjustment to delete this tradeline entirely. The continued reporting of this account is negatively affecting my credit profile, even though there is no remaining balance owed. Removing this item would sincerely help me as I work to improve my financial standing. I am asking as a gesture of goodwill and in fairness, especially given that the account is now closed and paid/resolved with a XXXX balance. I would be very grateful if you would update the reporting agencies and request deletion of this account from XXXX XXXX and XXXX

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: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I received a PayPal XXXX XXXX XXXX a few months ago, but I never applied for it. I only just opened it now while preparing to move. I have a personal PayPal account, but I never opened or requested a business account. When I checked, the business associated with this card is listed in Alabama, while I live in XXXX and have no connection to Alabama. I called PayPal customer service and spoke to three representatives. The first call lasted 41 minutes, but the representative gave me conflicting answersfirst saying my account was upgraded, then saying he wasnt sure. I was transferred to a supervisor who remained silent on the line, ultimately causing me to hang up. I called again and another representative filed a ticket. However, the ticket was closed with a note saying a manager called me, but I never received that call. Since then, I have not been able to get assistance. I need a full investigation into who opened the business account, when, and how. I want any unauthorized accounts closed and confirmation that my personal information is secure. I also need to know why my original case was closed without resolution. If fraud occurred, I request the documentation needed for identity theft reporting. I also want to highlight that during my initial 41-minute call, the representative seemed to have full access to my account details but provided no resolution. This was followed by repeated runarounds and, oddly, when I tried to log in later, I received a notice that there was unauthorized access attempts. I need a full explanation of why no help was provided despite access to my account, and why I am now seeing security issues

Company response to consumer: Closed with non-monetary relief