vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: VW Credit
State: WA

Complaint narrative:
I am filing a complaint regarding a lien held by Volkswagen Credit on a motorcycle that I purchased in good faith from a licensed dealer in Washington State. Vehicle : VIN : XXXX Facts : The vehicle was originally financed through Volkswagen Credit. I later purchased the motorcycle from XXXX XXXX XXXX and paid the dealer in full. The dealer failed to satisfy the existing lien at the time of sale. I am not the original borrower and have no contractual relationship with Volkswagen Credit. I am currently in possession of the vehicle and am working through the Washington Department of Licensing and court process to establish ownership. Issue : Volkswagen Credit maintains a lien on a vehicle that was sold to me without the lien being satisfied by the dealer. This has prevented me from obtaining a clear title despite full payment to the selling dealer. I am seeking : XXXX. Confirmation of the lien status and current payoff amount XXXX. A clear path to resolve the lien and obtain a lien release XXXX. Willingness to engage in a reasonable resolution given that I am a good-faith purchaser and not the borrower I am attempting to resolve this directly and efficiently. However, I have been unable to reach the appropriate department through standard channels. This situation is time-sensitive as I will be relocating out of state in XXXX and need to resolve ownership and title prior to that move. I am requesting that Volkswagen Credit provide a prompt and substantive response so this matter can be resolved without further escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I am writing to file a complaint against Associated Credit Services, INC regarding an improper disclosure of a third party 's personal information. On XX/XX/year>, I received a debt validation notice from this collection agency. Upon reviewing the validation documents, I discovered that the information provided did not belong to me it contained another individual 's full name, email address, and phone number. Not only does this indicate that the collector is attempting to collect a debt I do not owe, but it also means that my contact information was used to improperly disclose a third party 's personal and financial information to me, a complete stranger. This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically the provisions prohibiting the unauthorized disclosure of consumer information to third parties. I am requesting that the CFPB investigate this matter, take appropriate action against the agency, and ensure that both my consumer rights and the rights of the individual whose information was disclosed are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Unifin Inc.
State: PA

Complaint narrative:
This XXXX keep calling and harassing me, I dont even know what they are talking about. Disgusting behavior and disgraceful. They are nothing but XXXX that take advantage of peoples misfortune and sickness. I cant deal with this XXXX anymore, its destroying my health, I asked numerous times for them to stop but they dont care, I dont know what they keep harassing me, Ive told them that I dont know what they are talking about but they wont stop. They call everyday many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Solar Mosaic LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding a solar equipment loan originally financed through Mosaic and currently managed by Solar Servicing LLC. I financed the solar system on my property with an original Amount Financed of {$36000.00} ( IS EXCESSIVE ), of which {$10000.00} was initially disbursed. The loan has an APR of 1.99 %, with monthly payments of {$110.00} beginning on XX/XX/XXXX, and subsequent monthly payments of {$150.00} due beginning XX/XX/XXXX through XX/XX/XXXX. I have been making payments on time and have complied with all contractual obligations. At the time I entered into this loan agreement, I was not informed that I would be prohibited from transferring the solar system to a new property owner, nor that a XX/XX/XXXXwould be recorded against my property. I only learned of theXX/XX/XXXX after attempting to sell my home. On XX/XX/XXXX, I requested to relocate the solar equipment to a new property while maintaining the existing loan. Initially, my request was denied without contractual justification. After further emails and clarification, the company stated my request had been escalated to the XXXX Department for review. It has now been over XXXX week since their last communication on XX/XX/XXXX, and I have received no approval, timeline, or instructions. The title company has confirmed that an active XXXX recorded by Solar Servicing LLC is currently preventing the sale of my property, creating a financial and logistical barrier

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
Formal Complaint Against U.S. Bank Poor Customer Service, Misinformation, and Refusal to Reverse Payments To Whom It May Concern, I am submitting this formal complaint against U.S. Bank regarding extremely poor customer service, misinformation, and the refusal to properly assist me with a time-sensitive request. On the date of my call, I made XXXX payments in the amounts of {$70.00} and {$120.00} at approximately XXXXXX/XX/XXXX Realizing immediately that these payments were made in error, I contacted customer service at XXXXXX/XX/XXXX within minutes of the transaction, to request a reversal. Despite the urgency and prompt timing of my request, I was kept on the phone for over XXXXXX/XX/XXXXand transferred repeatedly between departments without resolution. During this process : I spoke with a representative named XXXX, who was extremely rude, dismissive, and lacked empathy. She was unable to assist with reversing the payment and instead asked me to log in and figure it out myself, which is unacceptable. I felt I was treated unfairly and, at times, felt racially profiled based on the tone and manner in which I was spoken to. I was then transferred to a supervisor identified as XXXX XXXX, who was highly unprofessional, repeatedly interrupted me, and refused to provide an operator or employee ID when requested. XXXX XXXX stated she was the only manager available, yet my request to escalate further was denied. I requested a formal complaint be filed and a call back from a manager ; however, I only received a return call from another supervisornot a manager as requested. Additionally, I was informed that these payments were connected to a hardship program, yet : I was unaware that automatic payments were being withdrawn There is no accessible documentation or information available in the online portal regarding the hardship agreement I have not been provided with clear terms or copies of any agreement authorizing these withdrawals I have been a loyal customer of U.S. Bank for a significant period and have maintained a strong payment history. This experience has been frustrating, stressful, and completely unacceptable. Resolution Requested : XXXX. Immediate reversal and refund of the {$70.00} and {$120.00} payments XXXX. A direct call from a qualified manager ( not a supervisor ) XXXX. A full investigation into the conduct of the representatives involved XXXX. Written documentation of my hardship agreement, including terms and payment authorization XXXX. Improvements to customer service practices to prevent similar situations I expect a prompt and fair resolution to this matter. Thank you for your attention.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
In XX/XX/year>, funds from my account were deposited at First Citizens Bank. The funds were never spent and were later withdrawn by the bank and converted into what I was told would be a cashiers check issued to my businesss registered agent. For months, I have been trying to get confirmation of what happened to these funds and the check. Customer service repeatedly transferred me between departments, including Treasury and branch-level staff, but no one has provided a tracking number, mailing confirmation, or a clear explanation. On multiple calls, I was told different information, including that the check was mailed, possibly sent by XXXX, and that it was sent to the registered agents address. However, the registered agent has not received anything. I was eventually told that only the branch manager who handled the withdrawal can resolve this, but he has not followed up or provided a clear answer or timeframe. I simply need : Confirmation of whether a cashiers check was actually issued The exact mailing method and date Any tracking information ( if XXXX was used ) Confirmation of the address used Instructions for tracing, canceling, or reissuing the check if it is lost I am unable to get consistent information from First Citizens, and I am concerned about the location of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Carvana Group, LLC
State: CA

Complaint narrative:
I purchased a used XXXX XXXX XXXX from Carvana. Carvana advertised the vehicle as having passed a XXXXpoint certified inspection, and this representation was a major reason I agreed to the financing terms. Within the 7day return window, Carvana directed me to XXXX XXXX XXXX for an inspection, which is part of their inspection and warranty pipeline with XXXX. XXXX XXXX issued a XXXX of XXXX Require Attention inspection report on XX/XX/XXXX, effectively recertifying Carvanas claims that the vehicle was safe and mechanically sound. Shortly after the purchase, the vehicle developed multiple safetycritical defects that should have been identified during any legitimate inspection. These included steering, suspension, and braking issues that made the vehicle unsafe to drive. These defects were present at the time of sale and should have been caught by Carvanas inspection or XXXX XXXX recertification. I filed warranty claims with XXXX, the warranty administrator Carvana uses. XXXX repeatedly denied coverage for these safetyrelated defects, even though they were clearly preexisting and directly related to the inspection representations made at the time of sale. Carvana also promised a refund during this process, but the refund was never provided. The inspection, warranty, and financing processes appear to operate as a coordinated system between Carvana, XXXX, and XXXX XXXX. Carvana advertises a certified inspection, XXXX XXXX issues a clean inspection report that does not reflect the true condition of the vehicle, and XXXX then denies warranty claims for the very defects that should have been identified during the inspection. At the same time, the financing terms presented by Carvana were confusing and, in my view, unconscionable given the condition of the vehicle and the misrepresentations involved. As a result, I am making payments on a vehicle that was unsafe, misrepresented, and not covered by the warranty I believed I had. I suffered financial harm, safety risks, and significant inconvenience. I also believe this is not an isolated incident. Many other consumers report similar issues with Carvanas inspections, XXXX XXXX recertifications, and XXXX warranty denials. This appears to be a pattern affecting consumers nationally and in Colorado. I am submitting this complaint because the misrepresentations, inspection failures, warranty denials, and financing issues raise serious concerns about deceptive and unfair practices in auto sales, financing, and warranty administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: MI

Complaint narrative:
ZIONS DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research ZIONS DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint regarding my banks handling of a deposited check. On XXXX, I deposited a check in the amount of {$72000.00} on my business checking account which never had any issues during the entire time. The issuing bank has confirmed that the funds have already been cleared and withdrawn from the payers account on XXXX However, Chase continues to place a hold on these funds without providing a clear or justified reason. This delay has caused financial inconvenience, inability to access funds, despite no indication of fraud, insufficient funds, or other risk factors. Under the Expedited Funds Availability Act -Regulation CC, banks are required to provide timely access to deposited funds and must disclose and justify any extended holds. I request. Immediate release of the held funds. A written explanation for the delay. Confirmation that my account is not subject to improper or repeated holds Please investigate this matter and provide a resolution promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
* * Complaint Against : Halsted Financial Services , LLC / XXXX XXXXXXXX XXXX XXXX XXXX I am filing this complaint regarding an attempt to collect a debt that I have formally disputed and for which I have requested validation. On or about XXXX XXXX XXXX, I received a communication from Halsted Financial Services , LLC stating they are attempting to collect a debt on behalf of XXXX XXXX XXXX, originally from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX ), in the amount of {$13000.00}. I dispute this debt and have requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation including a copy of the original signed agreement, a complete account history, and proof that XXXX XXXX XXXX has legal ownership of this specific account, including a bill of sale and chain of title. As of this complaint, I have concerns that : * The debt collector may not have sufficient documentation to substantiate the debt * The amount claimed may include fees, interest, or charges that have not been properly explained or verified * The collector may be attempting to collect without providing proper validation of the debt Additionally, I am requesting that : * The debt collector provide full and complete validation of the alleged debt * All collection activity cease until such validation is provided * Any credit reporting related to this account be marked as disputed immediately If the debt can not be properly validated, I request that the account be removed from my credit report and that all collection efforts cease permanently. I am seeking a fair resolution and expect the company to comply fully with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In reference to ID Complaint XXXX on CFPB Website this is notification that a law suit has been filed against Equifax credit bureau and it furnisher for failure to remove inaccurate info. All legal documents from the debt collector and the attorneys involved has sent to Equifax credit bureau massive times that this debt for timber hollow is not owed. I have had enough therefore as of XX/XX/year> I have filed a {$6000.00} law suit. the company has listed more lies and has failed to respect the legal documentation that the debt collector has sent me and I have posted. There is a company called XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. Attn : XXXX XXXX. XXXX XXXX that keeps lying to Equifax saying XXXX owe timber hollow and I do not owe timber hollow apts. I am going to the XXXX Attorney General about this lying company that is causing me unnecessary grief for no reasons whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing this debt because I am not legally responsible for the charges being reported. I properly vacated the apartment and provided notice to the leasing office. However, I no longer have access to the email used at that time. The apartment complex is incorrectly claiming I did not provide notice and is charging me fees that are not valid. Additionally, the collection agency ( IQ Data XXXX ) has refused to provide any documentation or itemized validation of the charges when requested. They stated they are unable to send any validation due to the age/statute of the account, yet they continue to report this debt on my credit. This is a violation of my rights under the FDCPA and FCRA, as a debt must be verifiable and accurate in order to be reported and collected. I am requesting that this account be investigated and removed from my credit report if it can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of American and XXXX XXXX XXXX XXXX have stolen all of funds in the bank, i filed a police report, also requesting an investigation as federal and state officers are involved. I was denied an investigation six times which is not state protocol. Money was wired out of the accounts also taking out. I was connected to fraud phone at the branch who was unable to identify and i believe it to have been a fraudulent phone number. I closed my account with bank of america with a XXXX balance and they reopened the account against my will charging over XXXX dollars to reopen account for income tax check deposit. This income tax check was not supposed to go to them but mailed to our home address. Banks are not supposed to reopen closed bank accounts. I would have had to come in and open a new bank account. The account is still open with the remaining balance of the income tax deposited in this reopened account which i never opened another account with bank of america.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
On XX/XX/year>, around XXXX, I was looking on XXXX for a used game console, a XXXX XXXX. I had texted the number provided by XXXX. The " seller '' said he still had the item. He wanted a deposit first, we agreed on XXXX dollars as a deposit, then id semd the rest of the money after the item was shipped. After sending the XXXX dollars, the seller was almost hostile about sending the rest of money, ignoring my questions about when he planned on shipping the item. I asked for more picture of the item and he sent me pictures he got off a listing from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NH

Complaint narrative:
I was enrolled in autopay and did not receive statements. After reviewing my credit card records, I identified charges I do not recognize. Additionally, the reported dates of service appear inaccurate. Despite these issues, the account continues to be reported as a collection without proper validation being provided to me. I am requesting : Full validation of this debt Documentation supporting the charges and dates Removal of this account from my credit report if it can not be properly verified This matter has caused ongoing confusion due to lack of transparency and documentation.

Company response to consumer: Closed with explanation