vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: TX

Complaint narrative:
Hello, I am submitting an escalation regarding Account # XXXX and Concord Servicings failure to properly validate a disputed debt. I dispute the validity and enforceability of this alleged debt. Concord Servicing has now provided a copy of the contract and a one-page Debt Verification Information form from XXXX XXXX XXXX However, this does not constitute proper validation and does not resolve my dispute. The documentation provided does not include a complete itemized accounting of the balance, does not show how the amount was calculated, and does not clearly connect the alleged fee to my specific contract selection. The only signed page of the agreement reflects selection of an Optional Activation Fee, which indicates a usage-based structure rather than a mandatory recurring obligation. The alleged 5-year refurbishing fee appears in later sections of the agreement that are not separately signed or clearly acknowledged. The contract also contains conflicting language regarding whether fees apply only upon use versus being mandatory, which creates ambiguity. The one-page form provided by XXXX XXXX is not objective proof. It contains handwritten statements and does not demonstrate that I knowingly agreed to the specific obligation being enforced. It also does not explain how the amount being claimed was determined. Although Concord Servicing provided a copy of the contract, they did not conduct a reasonable investigation or address the substance of my dispute. They did not explain how the 5-year fee applies under the Optional Activation Fee structure, did not address the lack of clear acknowledgment of that obligation, and did not resolve the inconsistencies within the agreement. Providing documents without explanation does not constitute proper validation. I am requesting that Concord Servicing provide full and proper validation, including a clear contractual basis for the alleged fee under my selected plan, a detailed itemized balance and calculation, and documentation showing that I knowingly agreed to this obligation as there is no signature on the pages that show CLAUSES/RECITALS. I also request documentation demonstrating Concord Servicings legal authority to collect this debt on behalf of the creditor, including any assignment, servicing agreement, or authorization permitting collection activity in the United States. I also note that Concord Servicing did not clearly confirm that the account was placed in disputed status after I raised my dispute, despite my repeated requests. If proper validation can not be provided, the account should be closed, all future collection activity must cease indefinitely for the account, and the debt must not be reported to any credit reporting agencies. This matter is not resolved, and the response provided does not meet the standard for proper debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am formally requesting validation of this alleged debt. I dispute this debt in its entirety and request that you provide proper documentation showing that I am legally obligated to pay it. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges 4. Copies of any contract, agreement, signature, or other documents showing I agreed to this debt 5. Proof that your company is legally authorized to collect this debt 6. Documentation showing the chain of assignment if this debt was sold or transferred 7. The date of the last payment made on this account 8. Proof that the debt is within the applicable statute of limitations Until you provide the requested validation, you must cease all collection activity, including phone calls, letters, credit reporting, and any legal threats regarding this matter. If this debt has already been reported to any credit bureau, please mark it as disputed. I also request that all future communication regarding this matter be made in writing only. Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: MoneyLion Inc.
State: TX

Complaint narrative:
I am filing this complaint against MoneyLion regarding what I believe to be a misrepresentation of a credit builder loan. On or about XXXX or XX/XX/year> I used the XXXX app believing I was applying for a small cash advance. However, I later discovered that I had been enrolled in a credit builder loan without clear, transparent disclosure of the terms at the time of sign-up. Specifically, I was not clearly informed that : This was a loan product with a repayment obligation The total repayment amount and associated fees The monthly payment terms and duration The potential impact on my credit The product presentation led me to reasonably believe I was accessing a short-term advance, not entering into a longer-term loan agreement. As a result, I agreed to terms I did not fully understand due to unclear or misleading disclosures. I have since been charged approximately {$96.00} with a monthly obligation of {$19.00}, which I would not have agreed to had the terms been clearly presented. I attempted to resolve this issue directly with MoneyLion, but the response has not adequately addressed my concerns. I am requesting the following resolution : 1. Immediate cancellation or correction of the credit builder loan without penalty 2. A full refund of any payments and/or fees associated with this product 3. Confirmation that no negative information related to this account will be reported to credit bureaus 4. A full explanation of how this product was presented to me at the time of enrollment I believe this situation involves deceptive or misleading practices and request a formal investigation. I am requesting a written response and resolution within a reasonable timeframe. They debited {$110.00} towards the instacash loan I thought I was signing up for. This credit builder is where I havent been loaned the money it is where they charge a membership fee & befit my account monthly the {$96.00} & allow me to borrow my own money. I never would have agreed to this. Thank you, 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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a dealership located at XXXX XXXX XXXX, XXXX, XXXX. During the sale, the owner and salesperson told me the total price of the vehicle was {$16000.00} and that the car would be fully paid off. At no time during the conversation was it explained that the purchase involved financing. I specifically asked if the vehicle was fully paid and I was told yes. Based on that information, I signed the documents believing I was paying for the vehicle in full. Later I discovered that a loan had been placed on the vehicle through Westlake Financial without clearly explaining this to me. I did not knowingly agree to financing. I returned to the dealership to try to resolve the situation, but the owner refused to speak with me and sent an employee instead. I also asked them to review the security cameras located above the desk where the transaction occurred, but the dealership refused to review the footage. I believe I was misled during the sales process and that the financing was placed without my clear understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Property Receivables, Corp
State: WA

Complaint narrative:
CollectTech has been calling me regarding a debt for Account Sub # XXXX from XXXXXXXX XXXX XXXX but never sent written notice of the debt or my right to dispute as required by FDCPA XXXX XXXX ( a ). Additionally this debt is not legitimately owed. In XXXX XXXX XXXX property XXXX XXXX XXXX XXXX XXXX to vacate my unit by threatening formal eviction, documented in writing via email. This was not a mutual termination. I have filed a complaint with the Washington State Attorney General regarding this matter and am requesting CFPB investigation and removal of this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/year>, my phone was stolen, which led to unauthorized access to my financial accounts, including my PayPal and cryptocurrency accounts. I was unaware at the time that the individual who stole my phone still had access to my accounts. Between XX/XX/year>, and XX/XX/year>, multiple unauthorized transactions occurred involving XXXX ( XXXX ), including crypto sales and instant transfers to a XXXX debit card. These transactions include, but may not be limited to, the following amounts : - {$240.00} - {$280.00} - {$490.00} - {$170.00} - {$1500.00} - {$1100.00} - {$270.00} These transactions were not authorized by me. They were the result of an account takeover after my phone was stolen. I reported this issue to PayPal and provided all requested documentation, including a police report number and evidence showing that my phone was stolen. Despite this, PayPal denied my claim, stating that the activity appeared to be normal, which I strongly dispute. PayPal failed to implement proper security measures to detect or prevent this unauthorized access. Sensitive actions such as crypto sales and instant transfers were processed without sufficient identity verification, such as password re-entry or additional authentication. I am requesting a full reimbursement of all unauthorized transactions related to this incident. I will be providing screenshots and documentation of all transactions listed above, along with supporting evidence, to validate my claim. PayPal did not take the appropriate steps to properly investigate or resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I deposited a tax refund check for {$11000.00} into Citizens Bank. The bank placed multiple extended holds ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ). On XX/XX/XXXX, I was told the check was declined and debited back to XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX XXXX has confirmed they never received the returned funds. Citizens Bank refuses to provide a trace number, ACH reference, or any documentation showing where the funds were sent. As of today, the funds are unaccounted for. I am requesting a full investigation and documentation of the location of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
XXXX XXXX XXXX operating as XXXX XXXX XXXX purchased my former Apple Card account from Goldman Sachs Bank USA and placed a collection tradeline on my XXXX credit report on approximately XXXX XXXX XXXX and on my XXXX credit report on approximately XXXX XXXX XXXX reporting a balance of XXXX On XXXX XXXX XXXX I mailed a formal written debt validation demand to XXXX XXXX XXXX / XXXX XXXX XXXX via XXXX Certified Mail (tracking number XXXX XXXX XXXX XXXX XXXX XXXX pursuant to FDCPA Section 809(b). Despite this pending validation demand, both tradelines remain active and reporting. Resurgent has not responded to my validation demand. Goldman Sachs Bank USA confirmed in their CFPB complaint response dated XXXX XXXX XXXX that this account was transferred to XXXX XXXX XXXX at XXXX XXXX XXXX Suite XXXX XXXX XXXX XXXX The continued reporting of this tradeline to credit bureaus while my validation demand is pending is a violation of FDCPA Section 809(b).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I closed my TD bank checking account in approximately XXXX or XXXX of XXXX. On XX/XX/XXXX, I received an email stating that TD Bank paid a bill from my CLOSED account and wanted me to reimburse them because there was no money in my account. Why is a bank processing payments from a CLOSED!!!! account????? I have now talked to XXXX separate people at TD Bank who do not understand why this is a problem and can not provide me with assurance that this will not happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
The CBE Group calls me multiple times a day from spoofed numbers and continues after I've told them to stop harassing me. I've never done any business with this company, and they can't prove that I agreed to pay them any amount. This company uses harassment and scare tactics as a tool and is practicing business in a predatory manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This company is violating my rights. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased a vehicle through financing and also purchased XXXX insurance at the time of sale through the dealership as part of the financing agreement. After a loss event, a XXXX insurance claim was filed. On XX/XX/2026, I received a written denial stating that there is no coverage because the vehicle exceeds the maximum Gross Vehicle Weight Rating ( GVWR ) limit of XXXX lbs. The vehicle has an approximate GVWR of XXXX lbs. This eligibility requirement was not disclosed or explained to me at the time of purchase. I was not informed that my vehicle did not qualify for XXXX coverage under the policy terms, and the product was sold to me as part of the financing agreement. As a result, the GAP claim was denied, and I am now left with an outstanding loan balance of approximately {$20000.00} that I expected would be covered by the GAP insurance. I contacted the company regarding the claim and received only the denial based on the XXXX exclusion. I am requesting a full review of the sale of the XXXX product, including whether there was a failure to properly disclose eligibility requirements at the time of sale, and assistance in addressing the financial impact caused by this situation.

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I got the solar installed at my home by ion solar on XXXX they propose the loan for the solar it will cost me {$40000.00} and some tax credits. They show me me my monthly payment of {$210.00} for XXXX. So I agreed to that proposal and even addded {$100.00} for the principal on my autopayment. But after checking my account online ( just now after XXXX ) it shows that only {$1000.00} was paid on the interest for 3 years Ive been paying. On the statement it show only {$47.00} was going thru he principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Lien release
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I sent certified letters, contacted their customer servive numerous times. Also contacted the title department and open several cases with them to get this matter taken care of that handles release of lien and they have failed to provide a release of lien. They were supposed to file the release of lien with Texas Department of Housing and Community Affairs when it was paid off and fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am filing this complaint against Early Warning Services for reporting inaccurate and unverifiable information on my consumer report and failing to comply with the Fair Credit Reporting Act. I disputed this information directly with Early Warning Services. In their response, they admitted they do not have access to account-level documentation and rely solely on the reporting financial institution ( XXXX XXXX ) for verification. Despite this admission, they continue to report the information without providing any supporting documentation or a valid Method of Verification. They failed to identify what records were reviewed, who verified the informat ion, or how the verification was conducted. This does not meet the requirements of a reasonable reinvestigation under 15 U.S.C. 1681i or the obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). By continuing to report information they can not independently verify, Early Warning Services is maintaining inaccurate and unverifiable data on my consumer report. I have made multiple good faith attempts to resolve this matter directly, but the issue remains unresolved. I am requesting that this information be removed from my Early Warning Services file immediately. I also request written confirmation of deletion and complete Method of Verification details, including how this information was verified and what documentation was used. If this matter is not resolved promptly, I am prepared to pursue additional regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: LA

Complaint narrative:
I am submitting a complaint regarding a debt collector ( Zions Holdings ) attempting to collect an alleged debt originally associated with Vivint. I dispute this debt in its entirety. The collector contacted me via text message using an incorrect name, while my name associated with any prior account was different. This raises serious concerns about misidentification and inaccurate records. Additionally, I previously resolved this account directly with the original creditor, Vivint, through a payment agreement related to equipment. Based on that agreement, I do not believe any valid balance remains. The collector has failed to provide : Proper validation of the debt Proof of their legal authority to collect Accurate identification of the debtor A valid mailing address for written communication Despite this, they are attempting to collect payment and offering deletion in exchange for payment. Further, I have searched the Louisiana Secretary of State records and can not find evidence that this company is registered to conduct business in Louisiana. This account has already been removed from two credit bureaus, which further supports that the information may be inaccurate or unverifiable. I am requesting that : The collector be required to provide full validation of the alleged debt All inaccurate or unverifiable information be removed from my credit file The collector cease communication unless proper validation is provided The collector be investigated for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA )

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, MA, XXXX. My date of birth is XX/XX/year>, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to formally dispute a debt being reported by Portfolio Recovery Associates LLC, which I believe is not mine. The account in question has the number XXXX and a current balance of {$630.00}, which is currently in collections. I first became aware of this account affecting my credit report when I checked my scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I have no recollection of incurring this debt, and I have not received any documentation validating its legitimacy. Under the Fair Credit Reporting Act ( FCRA ), a debt collector must provide verification of a debt when requested, and I have not received any such documentation from Portfolio Recovery Associates LLC. The presence of this account on my credit report is causing significant harm, as it is negatively impacting my credit scores, thereby affecting my ability to obtain favorable terms on loans and credit cards. This is particularly distressing as I am actively working to improve my credit standing. I am requesting that Portfolio Recovery Associates LLC provide evidence that this debt is indeed mine, or otherwise remove this erroneous account from my credit reports with all three major credit bureausXXXX XXXX, and XXXX. I have not been able to identify any transactions or correspondence that justify this collection account, further supporting my belief that this debt is not mine. It is crucial for my financial health that this matter is resolved promptly and the incorrect information is expunged from my credit history.

Company response to consumer: Closed with non-monetary relief