vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am filing this formal complaint because XXXX XXXX XXXX is wrongfully and deceptively charging me a {$450.00} excess wear and tear fee for XXXX rear tires on my returned lease. XXXX XXXX completely ignored the fact that I replaced the rear tires prior to grounding the vehicle, failed to conduct a mandatory post-return inspection, and is now improperly attempting to shift the burden of proof onto me for their own administrative failures. Vehicle VIN : XXXX Year/Make/Model : XXXX XXXX XXXX XXXX Grounding Date : XX/XX/XXXX Timeline of Events and Compliance XXXX XXXX : A lease-end pre-inspection was conducted, noting that the XXXX rear tires needed replacement due to wear ( at XX/XX/XXXX ). XXXX XXXX ( XXXX ) : To fully comply with lease-end requirements and avoid excess wear charges, I purchased and installed XXXX compliant replacement rear tires. These tires matched the exact XXXX specifications ( XXXX ) and possessed a tread depth exceeding XX/XX/XXXX '' ( strictly complying with Kias requirement of at least XX/XX/XXXX '' ). XXXX XXXX ( Afternoon ) : I officially returned and grounded the vehicle at the authorized turn-in location, XXXX XXXX XXXX in California XXXX I also took a video while at the dealership, which shows both rear tires were well above XX/XX/XXXX '' when I left the car there : XXXX : XXXX? XXXX XXXX week : I received the Final Statement from XXXX XXXX Services demanding {$450.00} for XXXX XXXX Wear and Tear '' specifically for the XXXX rear tires. XXXX - XX/XX/XXXX : I called XXXX XXXX XXXX customer service XXXX XXXX the charge. I explained the situation and requested that the agent contact the dealership ( which put this car " on sale '' ) to verify the vehicle 's actual condition at grounding. The representative, XXXX XXXX XXXX, explicitly refused my request and insisted that I must provide receipts/evidence to " prove my innocence. ''

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NY

Complaint narrative:
This account was made without my consent back in 2016. I contacted XXXXXXXX XXXX XXXX multiple times to settle this account because it was never me who opened this account nor they saw me in the utility company. This has been worked on when covid was happening and they denied seen me in their office to provide my ID and social.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Diversified Adjustments is reporting a collection account allegedly related to XXXX. I dispute this account in its entirety. Diversified Adjustments has not provided evidence of a valid contract, assignment, or permissible purpose authorizing them to report this account under the FCRA. I have never entered into an agreement with Diversified Adjustments, nor have they provided documentation proving lawful ownership or authority to report. The amount reported is inaccurate and inflated, and no itemized billing, contract, or assignment has been provided. Reporting unverified information violates FCRA 604, 607, and 623. I am requesting immediate deletion of this account from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Today I went to the ATM at a convenience store and when I put my card in to withdraw {$20.00} out of my account, they took {$22.00} out of my cash-app because of fees which is understandable, but I never received the {$20.00} I was promised.

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 2026-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Service of Nevada
State: NV

Complaint narrative:
I am filing this complaint regarding XXXX failure to conduct a reasonable reinvestigation of a medical collection account reported by Collection ServiceXXXX on behalf of XXXX XXXX XXXX in the amount of {$920.00}. This account is medical debt. I disputed the accuracy of this reporting and provided supporting documentation, including bank records and Explanation of Benefits ( EOB ) statements. Despite this documentation, XXXX responded that the account was verified as accurate without explaining what documents were reviewed or how the verification was conducted. Medical debt is subject to heightened accuracy standards, especially where insurance billing and EOB documentation are involved. XXXX has not demonstrated that a reasonable reinvestigation was performed under 15 U.S.C. 1681i. Simply forwarding the dispute to the furnisher and accepting their response does not meet the FCRA requirement of a meaningful investigation. I am requesting : 1. A detailed description of the method of verification used. 2. Identification of the specific documentation reviewed. 3. Confirmation that insurance billing records and EOB documentation were considered. 4. Immediate deletion of the account if it can not be properly verified with competent evidence. This inaccurate reporting is causing harm to my credit profile and financial standing. I request escalation and correction in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Federal Student Aid has not processed my PSLF Buyback Reconsideration ( Case # XXXX ). All of my loans reach XXXX qualifying payments once eligible forbearance months are bought back, which should result in immediate PSLF forgiveness. Despite multiple contacts, I have been told there is no timeline and no reviewer assigned. I am requesting prompt review and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: OH

Complaint narrative:
I cancelled my SELF/LEAD account on XXXX XXXX. Self and LEAD bank reopened and negatively reported without my knowledge or authorization or lawful consent I did not provide written permission. which constitutes identity theft under 15 U.S.C. 1681c-2 section 605B. And this action dropped my credit score over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I request proof of verification and they responded with The Fair Credit Reporting Act does not require that a furnisher ( whether creditor or collection agency ) prove the consumer owes the debt. In the event of a dispute filed directly with the furnisher, the FCRA merely requires the furnisher to report the result of its investigation to the consumer. See 15 U.S. Code 1681s-2 ( a ) ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute inaccurate information currently being reported on my consumer credit file regarding an account with XXXX XXXX credit. This letter serves as a request for reinvestigation pursuant to my rights under 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 15 U.S. Code 1666b, and FCRA Section 605B. Consumer Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP : maple shade XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Account Information : Creditor : capital XXXX credit Account Number : XXXX Date Opened : XX/XX/XXXX Loan Term XXXX XXXX Months Status : Paid in Full and Closed on XX/XX/XXXX Despite this account being fully paid and closed, it continues to report as a negative item with late payments. This reporting is inaccurate, misleading, and harmful to my credit profile. Under the Fair Credit Reporting Act, you are required to maintain maximum possible accuracy. Because the account has been satisfied, the continued reporting of negative information including late payments must be corrected or deleted immediately. # # # Request for Method of Verification Please provide a detailed description of your reinvestigation, including : - The systems and/or personnel used to review and verify the debt and the reporting of this account. - The time, date, email addresses, and phone numbers of each party contacted during the investigation. - A copy of the Automated Consumer Dispute Verification ( ACDV ) or any records furnished to verify this account and its payment history. If you are unable to produce competent documentation verifying the accuracy of this reporting, you are required under federal law to delete the inaccurate information from my credit file. Additionally, pursuant to FCRA Section 605B, I request the immediate correction of all improperly reported late payments associated with this account, as they do not reflect the accounts paid status. Please complete your investigation within the timeframe required by law and provide me with written confirmation of the results along with an updated copy of my credit report. Failure to comply with federal reporting requirements may constitute a violation of the Fair Credit Reporting Act, and I am prepared to pursue all remedies available to me if this matter is not resolved promptly. Thank you for your immediate attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account reported by CREDIT COLL ( Original Creditor : XXXXXXXX XXXX XXXX ) on my credit reports from XXXX XXXX XXXX XXXX Account Details : Account Number XXXX XXXX XXXX XXXX XXXXccount Type : Collection Balance : {$83.00} Date Opened : XX/XX/XXXX Status : Collection/Chargeoff Last Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX am disputing this account because [ choose reason : e.g., I do not recognize this account, The account is being inaccurately reported, or I have already resolved this debt and it should be removed from my credit report ]. I request that CFPB investigate this matter with the credit bureaus and ensure the deletion of this account from my credit reports if it can not be verified as accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I purchased an XXXXXXXX XXXX XXXX XXXX Engineer watch from XXXX for {$320.00}, paid through my PayPal mobile wallet. The seller 's store was subsequently shut down and removed from the XXXX platform. The tracking number ( XXXX, XXXX ) has shown only " Shipment information received '' since XX/XX/year>, meaning a shipping label was created but the package was never handed to any XXXX. There has been XXXX tracking movement. The seller confirmed in writing through XXXX messaging that the watch was never shipped, the store can no longer operate, and that I should apply for a refund. The seller also stated they " dare not try to ship it '' because the order is in dispute. XXXX 's own platform displays the warning " This store has closed and XXXX not be able to deal with your requests. '' I filed a PayPal Buyer Protection claim on XX/XX/year> ( XXXX XXXX ) for item not received. Since then, PayPal has repeatedly changed the expected resolution date with no explanation. I was first told to wait until XX/XX/year>. I waited patiently until that date. When I followed up, the date had been pushed to XX/XX/year>. I then called PayPal and spoke with XXXX different representatives at what appeared to be an outsourced call center. Both gave me the runaround and were unable to resolve my case or provide a clear explanation for the delay. Neither would transfer me to a XXXX. On XX/XX/year>, I checked again and the date was pushed yet again this time the seller was given until XX/XX/year> to respond. PayPal has now pushed the resolution date XXXX times in 11 days. On XX/XX/year>, I spoke with PayPal agent XXXX via live chat. During the same chat session, XXXX first stated " the seller hasn't responded to the claim yet. '' When I informed him the seller had in fact responded, XXXX contradicted himself and said " Yes, the seller has responded. At this point, the case is now in the finalization stage for your refund. '' XXXX also initially offered to " personally monitor this case '' and finalize a refund by XX/XX/XXXX if the seller did not respond despite the seller having already responded. These contradictory statements within a single conversation demonstrate that the agent was not reviewing the actual case details. I requested to speak with a XXXX. XXXX stated a XXXX would call me that day. Throughout this entire process, I have followed PayPal 's instructions at every step. I waited when they told me to wait. I provided all required documentation. I have been patient and cooperative while PayPal has continuously moved the goalpost. This is a straightforward non-delivery case. The seller admitted the item was never shipped. The store no longer exists. The tracking confirms no shipment. PayPal 's own Buyer Protection policy covers items not received, yet PayPal continues to delay resolution without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hard inquiries on my Credit I have no knowledge of giving permission to run my credit

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Bank of america checking and savings account were closed! out not where because they said there was a suspicious activity in the account and the only thing i did was to dispute a charge on the account I had that account for more than 8 years and i'm trying to open a new account but it won't let me do it

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 2026-02-19 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: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
In XX/XX/year>, I obtained an installment loan for {$3300.00}. The Truth-in-Lending disclosure reflects an APXXXX XXXX XXXX XXXX a finance charge of {$5900.00}, and total payments of {$9200.00} over 33 months. This loan was issued to a Mississippi consumer but funded through an out-of-state bank partner. The structure appears to be a rent-a-bank scheme in which a non-bank lender uses a chartered bank to evade Mississippi interest XXXX caps and consumer protection laws. Mississippi law limits interest rates for small loans and does not permit rates approaching XXXX XXXX APR for consumer installment loans of this type. The balance now reported is approximately {$8300.00} more than double the amount borrowed primarily due to excessive interest accrual. Although documentation was provided upon request, the issue is not documentation but whether the loan structure unlawfully circumvents Mississippi usury laws and constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal consumer protection standards. I request investigation into the legality of this loan and its interest rate structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CENTRAL PORTFOLIO CONT - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-02-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
This is the exact message given in email and phone to XXXX bank ( XXXX XXXX ), as well as shared with XXXX. I am formally requesting a reevaluation of the dispute for the ACH debit of {$1100.00} dated XX/XX/year>. Here is a clear timeline of events : On XX/XX/year>, I was the victim of a phishing scam while actively driving on the XXXX platform. The fraudster impersonated XXXX XXXX and used social engineering tactics to obtain verification codes. Within approximately 2 hours of the unauthorized ACH transfer, I reported the fraud to XXXX and XXXX. The transaction was flagged as fraudulent the same day it occurred. I did not authorize this ACH transfer. I did not knowingly share my Branch PIN or intentionally provide access to my account. The information was obtained through deception and impersonation. This was not negligence. This was fraud through impersonation and social engineering. The transfer was reported immediately, before settlement completion. Given the rapid reporting and the nature of the deception, I am requesting that this transaction be treated as unauthorized fraud and that the denial be reconsidered. Please confirm : 1. Whether the ACH transfer has fully settled or is still recoverable. 2. Whether the receiving institution has been contacted regarding recall of funds. 3. What specific documentation would strengthen this appeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: OK

Complaint narrative:
I am writing to dispute the accuracy of the following account on my TransUnion credit report : LVNV Funding LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$630.00} This account is not being reported accurately. I do not have a contract with LVNV Funding LLC, and there is no documentation showing I authorized this account or that LVNV has the legal right to collect or report this debt. Please investigate this matter and provide proper verification as required under the Fair Credit Reporting Act ( FCRA ). If LVNV Funding LLC can not fully verify ownership, balance accuracy, and reporting authority, this account to be deleted from my credit file. Thank you for your prompt investigation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Company is trying to collect on a debt that was included in a XXXX XXXX case they took a whole year to pick up car when the finally came for car they are demanding monies from a debt that was wiped out in a XXXX XXXX case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by Portfolio Recovery Associates. Portfolio is reporting two separate collection accounts allegedly originating from XXXX XXXX XXXX : Collection account in the amount of {$2200.00} Collection account in the amount of {$2100.00} Collection account in the amount of {$1700.00} Regarding the {$2200.00} account : The original creditor, XXXX XXXX XXXX, is simultaneously reporting the same account number and balance of {$2200.00} on XXXX. This creates the appearance that I owe two separate debts totaling {$4400.00} when in reality this appears to be a single account. If the debt was sold to Portfolio, the original creditor must report a {$0.00} balance. If the debt was not sold, Portfolio must provide documentation proving legal assignment and authority to collect. Reporting the same balance by both the original creditor and the collection agency is misleading and materially damaging to my credit standing under FCRA 623 ( a ) ( 1 ) ( A ). Regarding the {$2100.00} account : Portfolio has not provided : A signed contract bearing my signature Complete payment history from the original creditor Documentation showing the Date of First Delinquency ( DOFD ) Proof of legal assignment or ownership Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must report accurate and verifiable information.

Company response to consumer: Closed with explanation