vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: TN

Complaint narrative:
Detailed Timeline : XX/XX/year> : I paid the vehicle loan in full via ACH. XX/XX/year> : The XXXX portal still showed a balance. To ensure the debt was satisfied, I initiated a second payoff. Both payments ( totaling over {$57000.00} for a {$28000.00} debt ) were successfully debited from my account. XX/XX/year>2026 : XXXX ( Arizona ) acknowledged the account was closed and shut down my portal access. XXXX XXXX, 2026 : Carvana confirmed receipt of the first payoff and shows the vehicle as " 100 % Paid '' on their platform ( Ref VIN : XXXX ). And they physically called me and thanked me and told me everything cleared their accounts. XX/XX/year> : XXXX ( XXXX XXXX office XXXX unilaterally " reopened '' a new loan account without my authorization. They are now falsely claiming I am 3 months past due and have issued a repossession order. Violations Cited : Wrongful Repossession ( UCC 9-609 ) : Threatening to seize property for a debt that has been paid in full ( and in this case, double-paid ). Fair Credit Reporting Act ( FCRA ) : Reporting a " delinquent '' status on a satisfied debt. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Creating a secondary unauthorized account to circumvent a completed payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Copy and paste this entire revised statement into the " What happened? '' box to ensure every detail of their 13-month delay tactic is on the record : Merchant Fraud & Deceptive Delay Report I am disputing a {$700.00} transaction from XX/XX/XXXX, for a custom jacket that was never produced or delivered. PNC Bank denied my dispute ( Case : XXXX ) on XX/XX/XXXX, citing " timeliness, '' but they are ignoring a systematic 13-month pattern of merchant deception. Timeline of Deception : Initial Failure : The original jacket was not produced until XX/XX/XXXX, months and months after the original promised deadline with many missed deadlines and updates in between. It was constructed entirely incorrectly, ignoring my specific measurements and design requirements. They mention in the emails that I requested " alterations '' but the truth is the jacket was made incorrectly and I would not accept it. Year of Broken Promises : For over a full year, the merchant ( " XXXX '' ) provided continuous, rolling promises of updates and delivery. Every time a deadline passed, a new excuse and " guaranteed '' shipping date were provided to prevent me from escalating the issue. Fraudulent " Remake '' : When I finally requested a refund, the merchant claimed to have remade the jacket but attempted to deceive me by sending the exact same photos of the original, incorrect jacket I rejected in XX/XX/XXXX as " proof '' of new work. I provided them with a perfect example photo of what the jacket should've looked like ( as you can see on my upload " XXXX XXXX proof of order '' ). Admission of Non-Delivery : As recently as XX/XX/XXXX, the merchant admitted via email that the jacket has still not been dispatched.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Elective Group USA Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding a loan issued through Elective to finance a program sold by XXXX XXXX XXXX. On XX/XX/year>, I enrolled in the XXXX XXXX XXXX XXXX XXXX program and was directed to finance the purchase through Elective. The total financed amount is {$7100.00} with monthly payments of {$710.00}. After reviewing the agreement and program materials more carefully, I believe the program was misrepresented during the sales process. The marketing and sales call led me to believe that the program would provide a realistic pathway to generating automated income from XXXX channels. However, after enrollment I discovered that the program requires extensive conditions and obligations that were not clearly disclosed prior to purchase. Additionally, the refund policy is structured in a way that makes it extremely difficult to obtain a refund, even if the service does not deliver the promised results. The requirements include completing 100 % of the course, uploading multiple videos, attending coaching calls every week, and providing documentation, which were not fully explained before I agreed to the financing. Because the service appears to have been misrepresented and I have requested cancellation from the merchant, I am asking Elective to investigate this transaction as a merchant dispute. I respectfully request the following actions : -Pause all loan payments during the investigation -Conduct a formal review of the merchants practices -Cancel the loan and reverse the financed amount if the service is determined to be misrepresented I am submitting this complaint in good faith and am requesting assistance resolving this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO CAPIT is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO CAPIT 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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
" I am filing a formal complaint against XXXX. XXXX, XXXX for predatory and deceptive practices regarding my XXXX XXXX lease. My contract ( XXXX XXXX ) shows a massive total of {$19000.00} applied at signingconsisting of my {$5000.00} cash down payment and {$14000.00} in rebates. Despite this huge credit, the dealership inflated the Gross Capitalized Cost to {$49000.00} by forcing {$4100.00} in 'optional " products ( Section XXXX & XXXX : {$2900.00} for a Service Contract and {$1200.00} for GAP ) that were never clearly explained. They essentially 'stole ' my down payment by padding the price with these high-commission extras. They have refused to provide a transparent breakdown or justify why my {$12000.00} in total credits didn't significantly lower my monthly payments. I demand a full investigation into this lack of transparency and the deceptive handling of federal XXXX incentives and personal funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I first contacted the XXXX XXXX XXXX on XX/XX/year> after I received a collection notice in the mail. The company advised that I owed over $ XXXX for my insurance renewal. I advised the company I was not aware of the charges and canceled XXXX as my insurance provider prior to XX/XX/year>. Additionally, I advised that the insurance should have been in my husbands name and he was directly responsible to provide them with any payment that was arranged prior to cancellation. On XX/XX/year>, I received a collection notice for the balance due deemed it an error as none of the responsible parties received a notice. I contacted the company several times to dispute the charges and the company denied the charges for $ XXXX. I received my final collection notice on XX/XX/year> and then a charge-off appeared XX/XX/year>. The final dispute was communicated to the company for the month of XXXX without resolution. I recently received another collection notice from the collection center on XX/XX/year>! The collection company should already have the charges on their financials but yet I am still receiving collections and no record of details that match the amount of debt the agency claimed that I owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am formally disputing the SeQuium collection account on my credit report ( Account ending in XXXX, original creditor XXXX XXXX XXXX XXXX ). I never opened or authorized this account and have no legal obligation to pay it. Reporting it as an open collection is false, misleading, and violates the Fair Credit Reporting Act ( FCRA ). SeQuiums actions also appear to violate the Fair Debt Collection Practices Act ( FDCPA ) by pursuing and reporting a debt that is entirely invalid. This account is causing demonstrable harm to my credit profile, limiting my ability to obtain credit fairly. I demand that this account be immediately and permanently deleted from all credit reports and that a full investigation be conducted into the accuracy and validity of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
My mom helped me take out a loan for approximately {$8000.00} in 2003 to attend colllege. I have paid over {$15000.00} to date and Mohela says I owe them another {$16000.00} left. Something is very wrong here and I think this should be paid off by now and feel like I got scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WI

Complaint narrative:
On XXXX XXXX I was checking my credit report I noticed a company on there that I didn't recognize. I contacted the company they stated it was from XXXX XXXX for XXXX but on my credit report for XXXX. They said they would email me regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: DE

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The company failed to provide proper validation of the alleged debt.The documents sent only show a bulk portfolio sale and do not identify my individual account. They did not provide a complete chain of title or account-level documentation proving the debt belongs to me. Attempting to collect without proper validation violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Atm in Lobby of branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ate cash deposit of {$4200.00} on XX/XX/XXXX. No money deposited. Dispute made over phone while still in bank. Video footage from atm and lobby camera along with atm log should show as evidence. Given provisional credit on XX/XX/XXXX which was reversed on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX unauthorized charge for {$1200.00} XX/XX/XXXX first noticed the charge and disputed transaction for the first time XX/XX/XXXX {$1200.00} charge reappeared and was disputed again XX/XX/XXXX {$1200.00} charge reappeared and was disputed again. Police report for fraud was filed and information requested from the merchant. XX/XX/XXXX {$1200.00} charge reappeared and was disputed again XX/XX/XXXX {$1200.00} charge reappeared and was disputed again XX/XX/XXXX {$1200.00} charge reappeared and was disputed again I had an unauthorized transaction for {$1200.00} that keeps getting charged back and not getting much help in resolving the issue. Ive filed a police report and made it clear this is fraud. The company sent information and i contacted the merchant. It looks like whoever committed the fraud used my ip address and purchased an XXXX online and picked it up from the store. I dont know how the scammer was able to do this but i didnt make the purchase. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
PenFed Credit Union failed to perform its fiduciary duty regarding a domestic wire transfer of {$6700.00} ( XXXX XXXX XXXXXXXX ) initiated on XX/XX/year>. This negligence caused significant financial risk and unnecessary additional fees. Detailed Timeline : XXXX XXXX XXXX ) : The receiving bank ( XXXX ) sent a compliance inquiry ( XXXX XXXX ) for joint-owner verification. I provided my wifes Name/DOB to PenFed immediately on XXXX XXXX ( XXXX ) : I called PenFed multiple times daily to confirm the reply was sent. PenFed repeatedly failed to transmit the electronic response, causing the seller to charge me a late fee, which I had to pay via a separate second wire. XXXX XXXX XXXX ) : A PenFed " Concerns Department '' representative admitted on a recorded line that the verification was never sent despite my daily calls. They issued a {$25.00} credit as an admission of fault. XXXX XXXX XXXX ) : As of today, the funds are still not reflected at the destination bank because of PenFed 's XXXX administrative delay. This has triggered an automatic cancellation of my vehicle auction purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a debt from XXXX and should no longer be reporting on my credit report. Yet they keep selling the account to different collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Klarna AB
State: TX

Complaint narrative:
On XX/XX/year>XXXX I received a XXXX XXXX XXXX XXXX XXXX ( {$130.00} ) that failed to perform its core advertised function which is syncing LED colors with on screen content. I contacted XXXX support and received a confirmation of my outreach. I filed a dispute with Klarna providing photos of the defect, description of the issues, and proof of contact with the store. Klarna denied my dispute claiming I made no valid attempt to contact the store ( false I have the auto reply ) and that color mismatching is not a valid defect ( the products sole purpose is color syncing ). Klarna closed my case and reactivated my statement with payment due in 2 days, leaving no way to respond in the app.

Company response to consumer: Closed with explanation