vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 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: SUNRISE CREDIT SERVICES, INC
State: ID

Complaint narrative:
I am filing a formal complaint against Sunrise Credit Services for unlawfully and inaccurately reporting a debt in the amount of {$3400.00} on my credit report. I do not recognize this debt, do not know what it is for, and have never had any contact, correspondence, or business relationship with Sunrise Credit Services. 

Sunrise Credit Services has failed to provide any written notice, debt validation, or verification as required under 15 U.S.C. XXXX ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite this failure, they have reported this alleged debt to the credit reporting agencies, causing damage to my credit profile. 

Reporting an unverified and disputed debt constitutes a violation of : FDCPA XXXX ( false, deceptive, or misleading representations ), FDCPA XXXX ( unfair or unconscionable means to collect or attempt to collect a debt ), Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

Sunrise Credit Services has reported this debt without establishing that I owe it, without identifying the original creditor, and without providing proof that I am legally obligated to pay, which strongly suggests inaccurate or negligent reporting. 

I formally dispute this debt in its entirety. I am demanding that Sunrise Credit Services : XXXX. Provide full and complete validation of the alleged debt, including the original creditor, date of default, itemized account history, and contractual proof that I am legally responsible, or XXXX. Immediately delete this account from all credit reporting agencies if such validation can not be produced. 

I am requesting the CFPBs assistance to investigate this matter and compel Sunrise Credit Services to comply with federal law. If this inaccurate reporting is not corrected promptly, I reserve the right to pursue all available legal remedies.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and IQ Data XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable Georgia consumer protection laws. On XX/XX/XXXX, XXXX XXXX, a representative of XXXX XXXX XXXX, informed me via email ( XXXX ) that my final account statement would be mailed to my address, stating, Once final unit inspection and final utility bill is collected we will finalize your account and send you a final account statement regarding the balance due for the lease termination. Despite this representation, no final bill was mailed. On XX/XX/XXXX, I notified XXXX XXXX that I had not received the final statement, and on XX/XX/XXXX, at XXXX XXXX she responded by email stating that the final statements are usually sent via email and attached the statement, which was the first time I received notice of the alleged balance, despite the prior agreement that it would be mailed. A few days after notifying XXXX XXXX XXXX that I had not received the bill, I spoke with XXXX, a representative of IQ Data XXXX XXXX XXXX, and explained that I had not yet received a final account statement. During that conversation, XXXX informed me that the account had already been placed with collections on XX/XX/XXXX, XXXXwell before I received the final bill by email on XX/XX/XXXX, XXXXand stated that I would not receive anything in writing from IQ Data. She further stated that even if the debt were properly disputed with XXXX XXXX XXXX, it would still be reported to my credit with or without a payment plan, which directly contradicted XXXX XXXX XXXX prior representations regarding dispute and payment rights. I questioned how IQ Data could already possess the alleged debt when I had just received the final bill, and no explanation was provided. Thereafter, on XX/XX/XXXX and XX/XX/XXXX, IQ Data XXXX XXXX XXXX repeatedly contacted me by phone, XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX despite never sending any written notice of the debt or providing the required opportunity to dispute the debt by mail, and without waiting for XXXX XXXX XXXX to provide proper written notice as previously agreed. These actionsincluding transferring the debt before providing proper notice, refusing to provide written documentation, misrepresenting credit reporting consequences, and engaging in repeated collection calls without providing validation noticeconstitute deceptive, unfair, and unlawful debt collection practices in violation of the FDCPA, FCRA, and Georgia consumer protection law. 
I have recording of XXXX from IQ. 
I have not received mail from either company

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

Complaint narrative:
Complaint Summary Solar Loan Misrepresentation and Underperformance ( GoodLeap / XXXX Installer ) I financed a solar system through GoodLeap based on representations that the panels would significantly reduce or replace my electricity bill. The installer was XXXX. Since installation, the system has not performed as promised. I continue to receive standard utility bills ( aroundXX/XX/XXXXXXXX ), in addition to the solar loan payment ( approximately XX/XX/XXXXXXXX ), effectively doubling my energy costs rather than reducing them. I have included a power bill from XX/XX/XXXX where the solar panels were in use and a power bill from XX/XX/XXXX where the solar panels were disconnected. The difference is a mere {$18.00}. Having to pay {$100.00} a month for panels to to reduce my bill by such a small amount for a loan term of XX/XX/XXXX years is unjust. 

When I contacted the solar company about the underperformance, I was advised to add more panels and increase my loan instead of receiving a legitimate remedy. This felt predatory and deceptive. 

I have recently stopped payments due to the ongoing financial harm, and GoodLeap has now notified me that my account may be charged off. My utility bill has not increased significantly even after the panels were disconnected, further indicating the system was not providing meaningful benefit. 

I am requesting that GoodLeap investigate the underlying sales misrepresentation and system nonperformance tied to this financing. I also request that charge-off and collections activity be paused while this dispute is reviewed, and that GoodLeap provide all documentation related to the original production estimates, disclosures, and installer communications connected to this loan. 

I am also documenting ongoing concerns about improper servicing and aggressive collection behavior, including third-party contact with my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: Tesla, Inc.
State: NJ

Complaint narrative:
I went to tesla on XX/XX/year> where I spoke with sales person XXXX. I told XXXX having a truck bed cover is of most importance to me and she explained if I purchase the XXXX XXXX rear wheel driver it does not have a automated truck bed cover but has a soft cover and if I purchase that during the purchase of the car then it will come on my car. I was sold so I proceeded she let me know it is XXXX weeks until I get the vehicle. I picked up my vehicle XX/XX/year> and it did not have a truck bed cover so I took it back ( I picked it up at tesla XXXX NJ where I bought the vehicle from Tesla XXXX XXXX NJ with XXXX XXXX. The employee told me the manager left so they will have them call me back in a few days. I received a call from the manager XXXX that the truck bed cover is on back order XXXX weeks. So I waited patiently. After XXXX weeks I didn't get the cover so I called again and they routed me to tesla customer service so said someone will get back to me in XXXX weeks. I received a call on XX/XX/year> stating they have discontinued the truck bed cover and I will get a refund. I told them that is not acceptable and that I need a cover so they called tesla XXXX nj to see if they can put a motorized truck bed cover on my car. I received a call in XXXX telling me they can not. I asked the manager XXXX to see what they can do and they offered a repurchase agreement where tesla will refund my vehicle and use that toward another tesla vehicle which I agreed but the manager said it takes up to XX/XX/XXXXdays to get approval so I waited. They denied my repurchase agreement last month in XXXX and wouldn't accept my formal complaint on the sales representative XXXX who used false and misleading information to get me to purchase the vehicle. They dont respond to my emails and I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
Aldous & Associates is attempting to collect a debt that legally does not exist. I had a court hearing regarding my former apartment complex ( XXXX XXXX ), and the judge ruled that my balance is {$0.00}. 

Despite this ruling, Aldous & Associates continues to contact me by email and through their online portal, stating that I owe {$1000.00} and offering discounted settlement options. I have screenshots and emails showing these attempts. 

I called the company today, and I recorded the call. During the call, the supervisor stated they were going by the record they had, which confirms they did not verify the debt before attempting to collect it. The supervisor was rude and dismissive, and the company refused to acknowledge the court ruling. 

Their actions violate multiple sections of the FDCPA, including misrepresenting the amount of a debt, attempting to collect a debt not owed, failing to verify the debt, and continuing collection activity after legal notice. 

I am requesting that the CFPB require Aldous & Associates to : Cease all communication and collection activity Close the account Update the balance to {$0.00} Provide written confirmation Confirm that no credit reporting has occurred Remove any negative reporting if it has been made I am attaching the court ruling, emails, screenshots, and the call recording as evidence.

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

Complaint narrative:
This company is violating my rights they have not provided validation information under XXXXXX/XX/XXXXXXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently. 

I am in duress because this company is violating my rights under 15 U.S.C. XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have been attempting to obtain loss mitigation from my mortgage servicer since XX/XX/year>2025. Despite repeated submissions, my application was repeatedly marked incomplete due to inconsistent and inaccurate document instructions from different representatives. I was never assigned a single point of contact. 

While my loss mitigation application was under review, the servicer continued foreclosure proceedings and did not pause activity. My documents were rejected multiple times based on conflicting guidance, resulting in my application being delayed until it fell within the XXXXday foreclosure window. Only then was I informed that foreclosure could no longer be stopped. 

My application was ultimately denied without any written explanation of the reasons for denial. I also experienced an excessive delay ( approximately XXXX month ) in receiving a requested payoff statement earlier this year. 

I believe the servicer violated RESPA and RegulationXX/XX/XXXX, including failure to provide a single point of contact, prohibited dual tracking, improper loss mitigation handling, and failure to provide required notices. 

I am requesting that the CFPB require the servicer to correct these errors, halt foreclosure activity, and properly review my loss mitigation application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: Diaz & Associates, Inc.
State: CA

Complaint narrative:
I am disputing two collection accounts originally from XXXX and reported by Diaz & Associates .

I have disputed these accounts multiple times with Experian. Each time, they are only updated and not properly resolved. 

I have attempted in good faith to resolve these debts. I contacted XXXX corporate and was referred to the local store. The local store refused to assist me. The collection agency is unreachable and does not respond. 

I am willing to resolve these accounts, but the companies involved are refusing to accept payment or communicate, while continuing to report negative information. 

This prevents me from resolving my debt and is causing ongoing harm to my credit. 

I am requesting that these accounts be properly investigated, recalled, or removed if they can not be resolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
am submitting this complaint regarding Citibanks failure to properly resolve fraudulent charges on my credit card account. 

On XX/XX/XXXX, XXXX unauthorized charges posted to my Citibank credit card account. Citibank itself flagged these transactions as suspected fraud, and I immediately confirmed to Citibank that the charges were unauthorized.

Despite Citibanks own fraud detection and my prompt notification : Citibank never issued provisional credit Citibank never issued final credit The fraudulent charges remain unresolved I have complied with all requirements and reported the fraud immediately. Under the Fair Credit Billing Act, consumers are not liable for unauthorized credit card transactions, and issuers are required to conduct a timely investigation and provide appropriate credit once fraud is reported.

Citibanks failure to issue any credit, despite flagging the charges as fraud themselves, has caused ongoing financial harm and reflects a breakdown in Citibanks fraud resolution process. 

I am requesting that Citibank : Immediately credit my account for all XXXX fraudulent charges Provide written confirmation that I have zero liability for these charges Confirm that the matter is fully resolved and closed I am requesting CFPB assistance to ensure Citibank complies with its obligations and resolves this matter without further delay. 

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 monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
The Problem Issue Type : Problem with a service or product Specific Issue : Refund, credit, or account adjustment not processed ; Account closure or suspension ; Funds being held without explanation or for unreasonable time What Happened : On XX/XX/year>, Square deactivated my merchant account [ XXXX claiming they were unable to validate my business. Immediatly upon deactivation, Square initiated a XXXX hold on [ Amount : {$1000.00} of my business revenue. 
However, within hours of deactivating my account and claiming my business could not be validated, Square 's system simultaneously approved my application for a toll-free number and additional account services. This internal contradiction demonstrates that Square 's " business validation failure '' determination was either : An erroneous automated system flag without human review, or An arbitrary pretext to terminate my account while retaining my funds. 
Square is holding a XXXX dollars of my business revenue XXXX for XXXX  days based on a validation failure that their own systems disproved within mere hours by approving complementary services. This constitutes arbitrary and capricious fund retention. 
Square has refused to provide : The specific policy I violated Evidence of the " validation failure '' Justification for why I was approved for telecommunications services but deemed " high risk '' for payment processing Accelerated release of funds despite evidence of erroneous deactivation Amount in Dispute Amount : {$1000.00} Currency : USD Date ( s ) of Transaction/Hold : XX/XX/year> Previous Attempts to Resolve Date ( s ) of Contact : XX/XX/year> Method : Phone call to ( XXXX ) XXXX / Email to XXXX XXXX Response : When I requested escalation to a supervisor or the Risk Department to discuss the contradictory approval of services, the representative stated : " Supervisors do not take these types of calls '' and disconnected the call/hung up on me when I persisted in requesting review of the erroneous deactivation. 
This refusal to allow escalation to management or the XXXX Department demonstrates Square is actively preventing customers from challenging arbitrary fund holds, despite providing evidence of system errors.

Response : No callback was initiated by Square following the disconnection. Subsequent contact attempts have been met with similar stonewalling.

Supporting Documentation : [ ] Screenshot of toll-free number approval ( timestamped ) [ ] Screenshot of account deactivation notice ( timestamped ) [ ] Email correspondence with Square Support This arbitrary XXXX hold is causing immediate financial hardship to my business operations. I can not purchase inventory. The contradictory nature of Square 's actionsdenying validation for processing while granting validation for telecommunicationssuggests either systemic algorithmic error or deliberate bad-faith fund retention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debois, Inc.
State: OH

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
I have an APPROVED Borrower Defense claim for XXXX XXXX ( Case XXXX XXXX, approved XX/XX/XXXX ). 

My XXXX XXXX Loans were discharged on XX/XX/XXXX. 
My approval letter states the Department would review my eligibility for a refund, but I have never received a written determination. 

Federal Student Aid phone and chat representatives state they have no information regarding the refund and repeatedly direct me to my loan servicer. My loan servicer has confirmed they can not calculate or issue a refund without authorization from Federal Student Aid.

Additionally, the StudentAid.gov feedback/complaint page is currently unavailable, preventing me from submitting feedback directly.

I am requesting a formal written determination regarding : XXXX ) Whether my account was deemed refund-eligible, and XXXX ) Whether a refund authorization was ever issued to my servicer.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: ID

Complaint narrative:
We got a loan after house fire at my mom and dad 's back in XXXX of 2024. My husban.\nD was in fact working at the time of the loan.However, in XXXX, my husband was laid off from his job.This information was told to security finance multiple times. After he got a new job back in XX/XX/XXXX. We have asked him to quit calling us during the time. He is at work that can not seem to be followed through. We have also asked for a hardship file on the loan and keep getting denied when they have not even tried to have us come in to show that we can not afford the loan anymore as my husband 's work is a what was pay than what it was at the beginning of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
My XXXX  account was placed into collections due to circumstances directly related to Hurricane Helene on XX/XX/year>. 

Following the hurricane, my home suffered major damage and was uninhabitable. My XXXX  service was interrupted and I was told the account was placed on hold due to the storm. Later, when I attempted to arrange wiring for internet service during the ongoing remodel, I was informed that my original account had been disconnected and that a new account had been openeddespite the fact that the home was not complete and did not even have electricity at the time. 

Months later, when I was finally ready to activate service, I was told I had to make a payment for charges related to services I never used in order to restore service. I made that payment under the assurance that the amount would be credited back to my account. 

I have been dealing with significant hardship as a result of Hurricane Helene, and having XXXX  place this account into collections has only added to that burden. I am formally requesting that this balance be removed, the collection be withdrawn, and any negative credit reporting be deleted, as these charges are the result of a natural disaster and billing errorsnot valid usage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief