vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: NM

Complaint narrative:
A department identifying itself as XXXX Processing has contacted me by phone and text regarding an alleged outstanding balance on a loan they claim I took out with Loan Max in XXXX for approximately {$9000.00}. Their representatives have used language suggesting possible wage garnishment and other legal actions. These claims are inconsistent with my documented records. The original loan amount from Loan Max was {$840.00}, not {$9000.00}. The vehicle securing the loan was later involved in an accident and deemed a total loss. As part of the insurance settlement process, the insurance company issued a payment directly to Loan Max to satisfy the loan in full. Loan Max confirmed that the account was paid off on XX/XX/XXXX. Despite this, XXXX XXXX, unaware that it was formerly known as XXXX XXXX XXXX, continues to contact me. When I requested written verification of the alleged debt and asked that any further communication be sent to the mailing address or email on file, the representative refused to provide documentation and instead continued making verbal threats. When I stated that I would seek legal counsel if the harassment continued, the representative told me it was not necessary. Based on discrepancies in the loan amount, the refusal to provide written validation, the inconsistent company names, and the threatening nature of the calls, I am reporting this as a potential scam or unlawful debt-collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Subject : Improper Fees Charged on Closed Credit Card Account I am filing a complaint regarding my store credit card issued for Maurices, serviced by Comenity Bank / Bread Financial. I was charged a late fee and a minimum interest fee. When I contacted customer service, they only agreed to partially reverse the late fee, despite this being my first late payment. Due to this issue, I chose to close my account. However, I was then told by a representative that I would continue to be charged ongoing fees, including a minimum interest fee and a paper statement fee, even after the account was closed. I do not believe it is appropriate or lawful to continue adding fees such as paper statement fees to a closed account. While I understand that interest may accrue on any remaining balance, I do not consent to additional service or administrative fees after account closure. I am requesting the following : Removal of all non-interest fees assessed after account closure, including paper statement fees Reversal of the remaining portion of the late fee as a one-time courtesy A clear written explanation of any charges that the company believes are still valid Confirmation that no further fees ( other than lawful interest, if applicable ) will be added to this closed account This situation has caused unnecessary stress and appears to be unfair billing practice. I am requesting prompt resolution. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
A close friend sent me a XXXX message requesting me o help them zelle {$1600.00} to XXXX XXXX XXXX and email XXXXXXXX XXXX XXXX XXXXXXXX when I am done. Unfortunately I did. I later knew it is a scam targeting elder people ( I am XXXX XXXX XXXX ). Iam ow reporting this. please help me get my money back. Thank you. I filed a claim with FTC Report Number XXXX Please help Additional information provided by consumer : XXXX Would like to update the company 's name to Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Lendmark Financial Services
State: GA

Complaint narrative:
On XX/XX/year>, I reached out to XXXX XXXX XXXX to purchase a vehicle. After the initial application process, I was able to find a vehicle and was told by Lendmark Financial location in XXXX which is a few miles from the dealership. When I made it to Lendmark, XXXX of the representative 's asked another representative to go and inspect the vehicle. After coming back the representative now said I don't qualify for the vehicle which was the same exact price as the vehicle I purchased. Bait and switch. Lendmark rep now called the dealer to come to the location and bring another vehicle, which is the car I currently own. The dealer now asked me to sign documents that I was not able to look over because he had to leave the finance company and get back to the car dealership. I now transferred the down payment via XXXX. I asked for a copy of my signed documents which the car dealership rep never signed. He asked the finance rep to give me copies and left the office. He now signed at a later time but not in front of me. In the XXXX the executing of the contract, I was told a different price for the vehicle and then once I located the retail installment contract, per after signing behind a glass window with the Lendmark XXXX controlling the signing I asked for a copy and was told I can log into the Lendmark XXXX and review my documents. I was now called back to XXXX XXXX XXXX weeks late stating I needed to come back to the dealership and sign a document for my title once again I was the only one that signed. I asked the dealer what was the document he said so that I can get my title. I now requested debt validation, revoke XXXX, reported XXXX XXXX and Lendmark Finance to the Attorney Generals OffIce and the IRS form XXXX and XXXX. Lendmark despite efforts to resolve this matter and cease and detest order they still are calling harassing despite my request to be notified by mail.LENDMARK also was asked not to report any negative remark to the credit bureaus until this matter is resolved, however, they are still reporting adverse, inaccurate information to the credit bureaus despite my request. XXXX XXXX XXXX committed fraud by signing after leaving the finance company, different signatures and Lendmark Financial fail to give full disclosures per Regulation Z and TILA misreprestation, bait and switch among other violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: PA

Complaint narrative:
I have disputed this online with XXXX and XXXX. The debt is considered legitimate. I requested debt validation from Midland Credit Management Inc to prove they have the legal right to collect this debt. The original creditor was the XXXX XXXX XXXX I have never received proof such as payment history, my signature on any documents, any insurance claims, chain of titles, in accordance with 15 UGS 1692g. Debt collectors are targeting senior citizens. This collection is hurting my credit. I found out recently that my social security number was exposed because of a data breach. I had to place a fraud alert on mt credit report. I received complimentary access to a XXXX account. I need this removed. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My Social Security number was in a data breach also always refuse to open up American Express account fraudulently also I talked to a supervisor for American Express and they said that it would be deleted under the law 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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 submitting this as my second complaint regarding a solar loan financed through GoodLeap. My initial complaint was closed without a proper investigation, and my concerns remain unresolved. I have contacted GoodLeap multiple times and have clearly explained that this loan was the result of fraudulent misrepresentation during a door-to-door sales interaction. Despite this, GoodLeap continues to demand written proof such as text messages or emails, which is not reasonable given the nature of how the sale occurred. The sales representative used false and misleading statements and high-pressure tactics to push us into signing a long-term financial agreement without proper understanding or informed consent. In addition to the misrepresentation, there were promises and obligations that were never fulfilled : I was told I would receive a carport, which never happened The company left metal debris in my yard after installation My roof was supposed to be inspected prior to installation, and that did not occur I also attempted to cancel shortly after signing, and when I contacted the solar company, I was told I could not cancel. I was not properly informed of my cancellation rights. The solar company is now no longer operating and is in bankruptcy, leaving me without recourse through the installer. I have included an attachment from the sales representative acknowledging that I did not fully understand the agreement at the time of signing. This supports my claim that I was not properly informed and that the sales process was misleading. GoodLeap has acknowledged they have no knowledge of what occurred during the sales process, yet they continue to deny relief and close complaints without conducting a meaningful investigation. This is not a misunderstandingthis is fraudulent inducement and deceptive sales practices. I am requesting : That this complaint be formally reopened and escalated for proper investigation An explanation of GoodLeaps investigation process before closing complaints A resolution to this matter, including cancellation or remediation of the loan I expect this complaint to be reviewed in good faith and not prematurely closed without proper consideration of the circumstances. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NJ

Complaint narrative:
This is my third time reporting a complaint as the company has failed to reach out even after promising they would. The company XXXX XXXX went into XXXX XXXX years ago and has not been able to provide me with the services I signed a contract for. I do not have access to the services anymore that I was promised lifetime guarantee. I want this debt removed immediately from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Exto Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. The account in question is being reported inconsistently across the credit bureaus, including but not limited to : Different account numbers ( e.g., ending in XXXX, XXXX, XXXX ) Inconsistent account details across XXXX, XXXX, and XXXX Additionally, I was charged upfront for this account without clear authorization or proper disclosure, which raises concerns of misleading or false advertising. Under my rights pursuant to Section 611 ( 15 U.S.C. 1681i ) of the Fair Credit Reporting Act, I am requesting a full investigation of this account. Furthermore, under Section 623 ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate and complete information. Because this account contains multiple inaccuracies and can not be properly verified, I request that it be corrected immediately and removed entirely from my credit file, this account as inaccurate, it must be deleted in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
FourLeaf Federal Credit Union ( Bethpage ) XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am submitting this complaint regarding my auto loan account. I made multiple attempts to contact the company for assistance after falling behind on payments. I made a payment around XX/XX/year>, and shortly after I reached out to request help and discuss available options. Despite my efforts, the company did not return my calls, and I was hung up on multiple times when attempting to reach someone for assistance. I did not receive meaningful guidance regarding my account status or options to avoid further delinquency. My ability to make timely payments was also impacted by a government shutdown, during which I was without a paycheck. This contributed to the delay in my car payment and financial hardship. In addition, shortly after purchasing the vehicle, the transmission failed approximately XXXX XXXX later. The vehicle required repairs on three separate occasions. During this time, I was not provided with a loaner vehicle and was forced to pay out of pocket for a rental vehicle for approximately XXXX months due to the lack of available loaner options. This created additional unexpected financial burden. Recently, I became aware that my account has been escalated to a third-party recovery/repossession company. This action appears to have been taken without any prior meaningful communication or opportunity to resolve the matter, despite my attempts to contact the lender. Additionally, I believe inaccurate or incomplete information may have been communicated to the recovery company regarding my account status and my efforts to resolve the delinquency. I am requesting the following : - A full account history and communication log - Clarification of the current status of my loan and repossession activity - The exact reinstatement amount required to bring the loan current - Confirmation of whether repossession activity can be paused while I attempt to resolve the account - A review of the lenders failure to respond to my prior contact attempts I am requesting the opportunity to bring my account current and avoid repossession. I would like the company to : - Contact me promptly to resolve this matter - Provide reinstatement or workout options- Pause any repossession activity while I am actively working to resolve the account I have records of my attempts to contact the company and can provide documentation if needed.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am disputing the following accounts as inaccurate and unverifiable : XXXX XXXX XXXX {$3100.00} Portfolio Recovery Associates {$6200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$1300.00} These accounts are not properly verified and do not meet the standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). Please investigate and remove these accounts immediately if they can not be verified. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: HI

Complaint narrative:
b"I have been receiving scam emails and letters from Independence Home Loans about XXXX a month for over XXXX XXXX. They have sent me all sorts of letters that make it look like there is a check to get me to open the mail and use predatory practices such as saying urgent must open, must reply, and have persistently requested refinancing for over two years. As detailed on the attached letter, their XXXX XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They say in small print that they are not associated with my mortgage lender but often in their letter heading they have the name of my lender to make it appear as though it is a letter from my lender. I have emailed, mailed and called their number XXXX XXXX XXXX maybe dozens if not a hundred times to request a halt to the spam but they continue every few days. They make consistent claims of free money to the amount of XXXX in the form of a fake check and say that they can get me XXXX for free with XXXX refinancing. They won't leave me alone."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting of the above-referenced account on my credit report. I am formally requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, pursuant to 15 U.S.C. 1681s-2 ( often referred to as 1682 of the Fair Credit Reporting Act ), you are required to provide accurate and complete information and to conduct a reasonable investigation upon notice of dispute. Please provide the following : 1. The original signed contract or agreement bearing my signature. 2. An itemized breakdown of the debt, including all charges, interest, fees, payments, and credits applied since the account was opened. 3. Documentation showing you are legally assigned or authorized to collect this debt. 4. Proof of the original creditors claim, including the original balance and how the current balance of {$9800.00} was calculated. 5. Verification that you are licensed to collect debts in the State of Colorado. If you can not provide proper validation, you must immediately cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Be advised that reporting inaccurate or unverified information to consumer reporting agencies after receiving notice of dispute may constitute a violation of the FCRA under 15 U.S.C. 1681s-2 ( b ). I request all future communication be in writing.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each transaction was XXXX dollars for a total of {$75.00}. I reached out to chime to start a dispute and also place a stop payment for the merchant. They said because some of the transactions were made from chime card and not debit card, they are not eligible for a refund which is extremely outrageous. This was an old subscription that I ended yet it kept charging me for months. It is still charging me even though they said they placed a stop payment for this merchant. I just want my money back. Im tired of chime scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: TX

Complaint narrative:
Opened an auto loan with Drivetime in XX/XX/year>. Within 24hrs the check engine light came on and was reported to dealer. Was advised to take to repair shop as no options available to swap vehicle. Took to shop ( XXXX XXXX in hand ) and a transmission error was noted. Within XXXX weeks vehicle repossessed by XXXX credit and the loan cancelled. I was sold a faulty vehicle ( lemon law ) and lost my {$3400.00} down payment, now show an open auto I do not have so Im unable to procure transportation and will soon incur lost wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am disputing the following accounts as inaccurate and unverifiable : Jefferson Capital LLC {$3100.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$1300.00} These accounts are not properly verified and do not meet the standards of accuracy required under the Fair Credit Reporting Act ( FCRA ). Please investigate and remove these accounts immediately if they can not be verified. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/XXXX my chime card was used to make XXXX unauthorized purchases on XXXX. When I saw the charges I immediately cancelled the card and filed a dispute. The charges were made in the middle of the night. My dispute was denied. I filed an appeal and showed screen shots of my XXXX account showing I did not purchase anything in the time frame. The amounts were {$180.00}, {$220.00}, $ XXXX appeal was also denied.

Company response to consumer: Closed with explanation