vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a loan issued through GoodLeap that I believe was presented in a misleading and deceptive manner. At the time I agreed to the financing, the loan was described to me as XXXX months no interest. At no point was it clearly explained to mein a way a reasonable consumer would understandthat this was actually a deferred interest loan, where interest would accrue during the promotional period and be added retroactively if the balance was not fully paid off within that timeframe. I have since learned that approximately {$2800.00} in interest was accruing during the XXXX period, which came as a surprise and was not properly understood or disclosed at the time of signing. This is a significant financial burden and not what I reasonably believed I was agreeing to. Key issues : The loan was marketed and explained as no interest, which is misleading without clear emphasis on deferred interest terms The consequences of not paying the full balance within 12 months were not adequately explained The structure of the loan was not presented in a transparent or consumer-friendly way I have already taken steps to pay off the principal balance in full to avoid further financial harm. However, I am disputing the accrued interest charges, as I believe they stem from unclear and misleading disclosures. XXXX requested : I am requesting that GoodLeap waive or significantly reduce the accrued interest balance due to the lack of clear and transparent disclosure of the deferred interest terms. I believe this situation falls under unfair or deceptive practices, and I am asking for a full review and appropriate resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Sent us a pre approved offer. We applied online and got approved with set terms and amount. When we called to finalize they saif they couldnt offer the pre approved terms and amount. Now i have a hard inquiry on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is my second complaint, as my initial complaint was closed without resolution. FIRST COMPLAINT : XXXX Submitted on XXXX/XXXX/XXXX now CLOSED Hello, I have not received a clear or complete response from Truist Bank regarding my original request. The response provided does not address my main concerns and leaves significant questions unanswered. I received XXXX copies of the same batch of account statements, each consisting of more than XXXX pages, without any explanation. These documents do not clarify the origin of the {$1800.00} balance, which I was never previously informed of or notified about. The oldest statement provided is dated XX/XX/XXXX, and it already shows a balance of {$430.00}, along with a {$50.00} payment. I am requesting clarification on the following : What was the very first charge on this account Why the account shows activity when I have not used this card since XXXX The source of the {$50.00} payment, as I did not personally make this payment and need to know who made it and from which account Complete account records from the date the account was opened through the present At this time, I am missing statements from the accounts creation through the present date, and I still do not understand how the current balance was calculated. No explanation has been provided, and only partial documentation was sent. Because these issues remain unresolved and critical information is still missing, I am requesting that this case be reopened. It has not been cleared or adequately addressed. Thank you for your attention to this matter. I look forward to receiving a complete response that fully explains the charges, payments, and balance on this account. Sincerely, 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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The Electronic Fund Transfer Act ( EFTA ) of XXXX ( 15 U.S.C. 1693 et seq. ) is a federal law protecting consumers engaging in electronic money transfers, including ATM, debit card, ACH, and online banking transactions. It establishes rights for error resolution, mandates disclosure of fees, and limits liability for unauthorized transfers, implemented via Regulation E. I need PNC investigated as money has repeated been missing from my account to the point I have to switch banks. And the statements do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M1 Holdings Inc.
State: NJ

Complaint narrative:
RECENTLY REVIEWED MY CREDIT REPORT AND THIS ACCOUNT SHOWED BEING OUTSTANDING. REACHED OUT TO VALIDATE ACCOUNT AND COMPANY WAS UNABLE TO PROVIDE ORIGINAL AGREEMENT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am disputing a collection account being reported by Receivable Management Services LLC on my credit report in connection with an alleged debt from XXXX XXXX in the amount of {$1100.00}. I do not recognize this debt as valid, and the collection agency has not provided sufficient verification to establish that I am legally responsible for this obligation. This account is being reported as a collection while also listed as an open account, which is inconsistent and misleading. To date, I have not been provided with : - A signed agreement or contract showing I am responsible for this debt - A complete and itemized breakdown of the balance - Proof that the collection agency has legal authority or assignment of this debt - Documentation verifying the accuracy and completeness of the information being reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am entitled to proper validation of this debt. Because this account has not been properly validated and contains inconsistencies, I request that this matter be investigated immediately. If the company can not provide full and complete verification, this account should be removed from my credit report. I am requesting : 1. A full investigation into this account 2. Proper validation of the alleged debt 3. Deletion of this account from all credit reporting agencies if it can not be verified I expect a timely response and resolution in accordance with federal law.

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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Paramount GR Holdings, LLC
State: OR

Complaint narrative:
I obtained financing through a contractor for services performed by them. The contracted lending company was XXXX. Since completion of the project I have received numerous repeated calls and text messages from XXXX demanding to know if the project was completed despite me confirming when I signed closure paperwork with XXXX and again verbally and via writing that it was completed and then needed to stop contacting me to ask if it was done. Everytime I told them to stop contacting me as I have already answered to their questions. After nonstop phone calls for over 2 weeks I told them if they contacted me again I would be reporting them to the cfpb and they would be voiding the loan due to harassment. As of today, XX/XX/year> at approximately XXXX XXXX time, I was again called by good leap. When I demanded to know the reason for the call the representative initially was refusing to provide the reason. After repeatedly demanding to know the reason for the call the representative finally admitted they were call to check to see if the project was finished ( from over a month ago ). I responded informing the rep that they have officially breached their contract and have violated my no contact demands and voided their ability to collect on my loan due to harassment and I will be reporting them to the cfpb. I am filling this complaint to notate that they have continued harassment despite repeatedly informing them the project was completed, signing paperwork stating the project was completed, and informing them that if they contacted me again they would be voiding their ability to collect on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am rejecting this response because it fails to address the actual issue of this complaint. I understand that the payments were authorized by me. However, this case is not about unauthorized access it is about services not rendered and deceptive business practices. I paid a total of {$410.00} ( {$320.00} on XX/XX/year> and {$87.00} on XX/XX/year> ) for a custom digital service. The seller explicitly stated that the service would be completed within approximately one week after payment. The seller failed to deliver the service within that timeframe and repeatedly provided false or misleading completion dates. On XX/XX/year>, I was told the product would be completed that night, and on XX/XX/year>, I was told it would be delivered on XX/XX/year>. These promises were not fulfilled, and the product was not delivered as agreed. This pattern of accepting payment, failing to deliver within the promised timeframe, and repeatedly delaying while refusing a full refund constitutes deceptive and potentially fraudulent behavior, not simply a completed authorized transaction. Cash Apps response relies solely on the fact that the payment was authorized and does not demonstrate that the claim of non-delivery of services or potential scam activity was properly investigated. I am requesting that this matter be re-evaluated as a services not rendered and scam-related complaint, rather than being dismissed as an authorized transaction. Resolution Requested : A full refund of {$410.00} due to failure to provide the agreed-upon service. I would like confirmation that this complaint will be reviewed under the appropriate category and escalated accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo responded on XX/XX/year> with absolute nonsense. I am receiving notifications of the XXXX account I opened with financial statements at my XXXX email address. I'm not sure if this is an attempted young person fad but there is still a XXXX account open with my social security number and email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I reported unauthorized electronic fund transfers from my debit/ATM card. Small transactions were credited, but larger ones were not. The bank has failed to provide provisional credit and has not properly investigated under regulation E. The transactions appear as Apple.com/Nill, but I did not authorize these charges. I have requested merchant details and a full investigation, but the bank has not resolved the issue. I am requesting immediate provisional credit, and a full investigation, and reimbursement for all unauthorized transactions.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting related to a Capital One account ( ending in XXXX ) that was included in my bankruptcy. This account was discharged through bankruptcy, and I am no longer legally responsible for the debt. However, the account continues to be reported by both the original creditor and a collection agency, creating potentially inaccurate and misleading information. I was informed that the account was sold to a collection agency, yet it is still being reported by Capital One, and the collection account is also being reported. Under the Fair Credit Reporting Act, all information must be accurate and not misleading. Under federal bankruptcy law, discharged debts must be reported with a XXXX balance and clearly marked as included in bankruptcy. I am requesting : 1. That both accounts reflect a XXXX balance 2. That both accounts clearly indicate they were included in bankruptcy 3. That any duplicate or misleading reporting be corrected or removed 4. Documentation showing current ownership and authority to report this account If accurate reporting can not be ensured, I request that the account be removed. Please provide a written response including the method of verification and documentation used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I used Cash App to pay for a passport-related service. The service was not properly delivered because the passport was sent to an incorrect address, even though I reported the address issue multiple times before completion. The delivery process took longer than expected and exceeded 60 days. I did not initiate a dispute immediately because I was still waiting to receive the passport and believed the issue would be corrected. I only attempted to dispute the transaction after it became clear that the passport was not delivered correctly. Cash App denied my dispute due to the 60-day time limit. However, the delay in delivery and the unresolved address issue were outside of my control, and I made multiple attempts to correct the problem during that time. I am requesting a review of this transaction because the service was not fulfilled as agreed, and I believe the dispute should be reconsidered due to the delivery error and communication attempts made prior to and during the processing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I am in receipt of your response to my CFPB complaint ( XXXX ) regarding the account you have in your office of myself. Your response is legally insufficient, evasive, and wholly unacceptable. In your response, you admitted that you do not possess the documentation to verify this alleged debt and that you have had to reach out to the original creditor to obtain it. By your own admission, you furnished data to XXXX and established a collection tradeline without possessing the underlying, substantiating documentation required to ensure Maximum Possible Accuracy under the FCRA. While you hide behind the FDCPAs low bar for initial validation, you are ignoring your obligations as a furnisher under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). A " reasonable investigation '' into my specific dispute regarding the balance, itemization, and contractual authority can not be conducted by simply parroting a digital ledger provided by your client. Furthermore, I do not accept your claim that a Regulation F validation notice was sent and not returned, as I never received it, because I am XXXX XXXX XXXX currently XXXX. Be advised : If you fail to provide the exact itemization and contractual documentation I previously demanded within the statutory 30-day window of my initial dispute, your continued reporting of this tradeline will be considered a willful violation of the FCRA. Given your admitted inability to substantiate this debt at this time, I demand you immediately issue a Universal Data Form ( UDF ) to XXXX to delete this tradeline pending your supposed investigation. Should you verify this account using incomplete summaries rather than primary source documents, I will escalate this matter to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am an executor of estate and Chase Bank refuses to provide bank statement for acct before it turned into estate account. They are prolonging my probate case. I have submitted attorney request as well and calling customer service only to be placed on hold for hours with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> National Credit Systems XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute and Request for Validation of Alleged Rental Debt To Whom It May Concern : I am writing in response to your communication regarding an alleged debt related to a residential lease. I dispute the validity of this debt and request full validation pursuant to my rights under the Fair Debt Collection Practices Act. Because this matter involves a rental/lease account, please provide the following : - The name and address of the original creditor ( apartment community/management company ) - A copy of the signed lease agreement or contract bearing my signature - A complete, itemized statement of all charges claimed, including rent, fees, damages, and any other amounts - Documentation showing how the total balance was calculated - Proof that I am legally responsible for the debt being claimed - Verification that your agency is authorized to collect on this account Until you provide proper validation, I request that you cease all collection activities and refrain from reporting this account to any consumer reporting agencies. If this account is currently being reported, please note that reporting an unverified debt may constitute furnishing inaccurate information. If you are unable to validate this debt, I request written confirmation that the account has been closed and removed from all consumer reporting agencies. I request that all future communication regarding this matter be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation