vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I purchased a used XXXX from XXXX XXXX. Shortly after purchase, I brought the vehicle to a XXXX XXXX XXXX with mechanical and electrical concerns. These issues were documented under my name, but no repairs were completed. The vehicle later had a catastrophic mechanical failure on XX/XX/year>, leaving it unsafe and inoperable. The vehicle would not shift, could not be turned off, and the dashboard and electronics remained active until the battery died. The vehicle has not moved since it was towed to my home on XX/XX/year>. I submitted a formal FTC Holder Dispute to both XXXX and Exeter Finance, requesting a full contract unwind and loan cancellation on XX/XX/year>, following the XXXX XXXX XXXX On a recorded call with XXXX XXXX XXXX, the representative confirmed : XXXX XXXX became undrivable due to a mechanical failure -The battery is now dead -XXXX previously documented XXXX concerns shortly after purchase -XXXX will NOT be XXXX the cost of the failure XXXX will NOT cover XXXX or XXXX XXXX offered repair options, not resolution -XXXX missed its own XXXX written XXXX to respond -XXXX refused to address the FTC Holder Rule dispute Exeter Finance continues to show XXXX active loan balance XXXX XXXX contract being formally disputed under federal law. I am not left without transportation and with an auto loan for a non-drivable vehicle. I am requesting that XXXX and Exeter Finance comply with the FTC Holder Rule, which allows recovery of all amounts paid and requires the lender to pause collection activity during a dispute. Specifically, I am requesting : -Full contract unwind -Loan cancellation -Refund of all amounts paid -Correction of credit reporting to " Paid as agreed- {$0.00} balance. '' -No negative marks or collection activity Return of the vehicle to XXXX Upon request, I can provide -XXXX service documentation showing early mechanical concerns -AutoCheck report provided at purchase -Transmission failure description and timeline -FTC Holder notice sent to Exeter and XXXX XXXXEmail correspondence showing missed deadlines -Payment ledger from Exeter Finance -Summary of the recorded and emailed copy of the call where XXXX refused support

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
Several years ago I had an account pop up on my credit report for a little over {$7000.00}. It was some type of account setup through XXXX and I reached out to them because I have no XXXX account. I let them know I opened no such account and it was fraud and they marked the account accordingly ( as far as I knew ). The account disappeared from my credit report I had locked down my credit profiles for well over a year and never thought about it again. Fast forward to a couple months ago a see a new account pop up on my credit report for {$7300.00} through Jefferson Capital and I thought great here we go again. I contacted them and they kept trying to verify incorrect contact information with me that they showed on the account. After talking to them I realized they were debt XXXX and had somehow bought the old XXXX debt from several years ago and I explained to them I never opened that account and it was fraud. They said they would mark the account but as of today it still shows on my credit report and has lowered my XXXX XXXX. I disputed with the credit bureaus but they deny my disputes so XXXX not sure what XXXX suppose to do?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC Attn : Compliance Department RE : Cease and Desist / Demand for Validation and Credit Reporting Removal To Whom It May Concern, I am formally requesting that LVNV Funding LLC cease all collection activity regarding the alleged debt you claim is associated with me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to dispute this alleged debt and request that you immediately cease communication and collection efforts unless you can provide proper validation of the debt as required by law. Additionally, I demand the following : Complete validation of the alleged debt, including : The original creditors name The original account number A complete payment history Proof that LVNV Funding LLC has legal authority to collect this debt Copies of any agreement bearing my signature Immediate removal of any negative reporting related to this account from all credit reporting agencies if you are unable to provide sufficient validation. Cessation of all phone calls, emails, text messages, and other communication attempts except for written correspondence regarding validation of this matter. Be advised that continued collection activity, inaccurate credit reporting, or failure to properly validate the debt may constitute violations of the FDCPA and Fair Credit Reporting Act ( FCRA ). Should such violations continue, I reserve the right to file complaints with the : Consumer Financial Protection Bureau Federal Trade Commission Office of the Attorney General in my state And pursue any other legal remedies available to me You are hereby given fourteen ( 14 ) days from receipt of this letter to comply with these demands. Failure to comply will be documented accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am formally disputing the accuracy of the balance being reported by National Credit Systems on my XXXX credit profile for a past tenancy at XXXX XXXX XXXXXXXX, listed as an account balance of {$3100.00}. As explicitly shown on the official court record signed by the presiding judge, the total Consent Judgment amount entered was {$2000.00}. National Credit Systems has inflated this balance by more than {$1000.00} without court authorization, making the {$3100.00} reported balance legally flawed and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Upstart Holdings, Inc.
State: MS

Complaint narrative:
I refinanced my auto loan with XXXX XXXX XXXX XXXX UpStart on XX/XX/XXXX. My previous lender, XXXX XXXX XXXX XXXX, sent the title via XXXX on XX/XX/XXXX and a notarized lien release on XX/XX/XXXX. XXXX XXXX XXXX has not added its name to the title as of XX/XX/XXXX, and has provided this information to the Mississippi XXXX XXXX XXXX has declared the car a total loss, and we're unable to issue payment to XXXX XXXX XXXX/UpStart due to a title-related issue of negligence. UpStart was contacted by XXXX and me on XX/XX/XXXX, to make them aware of the need for a perfected title, and was told it would be reviewed and processed. I called UpStart again today and was told the title had not been perfected. I requested to speak with the titling department, but I wasn't able to connect. UpStart 's negligence is causing delays in processing my total-loss claim with XXXX XXXX XXXX I also requested a deferral of my upcoming payment due to their negligence, but it was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
I am filing this complaint against Goldman Sachs / Apple Card for failure to properly investigate a billing error under the Fair Credit Billing Act. A merchant at a XXXX XXXX airport charged my account {$40.00} exactly double the correct amount due to a duplicate transaction entry. I paid {$20.00} ( the legitimate charge ) and disputed the remaining {$20.00} multiple times, providing menu pricing and exchange rate documentation. Goldman Sachs declined to resolve the dispute without substantive explanation. The account is now closed and they are threatening to report the remaining {$20.00} to credit bureaus. I am requesting they investigate properly, provide written findings, and refrain from bureau reporting while the dispute is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: PA

Complaint narrative:
I am filling a complaint regarding a collection account reported in the amount of {$89.00}. I did not receive any written communication/ mail notice or debt validation from the collection agency before this account was placed into collections and/ or reported to my credit file. I was never given a fair opportunity to address or dispute the alleged debt prior to the negative reporting. Under the fair debt collection practices Act ( FDCPA ), consumers are entitled to proper notice and validation of a debt. To my knowledge the collection agency failed to provide the required communication and documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime my purse was taken out of my vehicle. Everything was on my XXXX XXXX I had during this time. I never hardly used my chime card is was only to load what needed for other accounts such as XXXX XXXX XXXX etc so they would not have my full access to bank. In a matter of a week XXXX charges were made to XXXX XXXX XXXX. I did not authorize these charges this card was linked to my bank account and I accidentally didnt unlink it. The charges were out of character for anything I had previously used or spent using this card. In addition to this matter the XXXX times my card had to be replaced because of customers number linking out they only change the XXXX digit code on back. Hackers have figured this system out well. Finally on the XXXX card they will issue you a new number entirety. The claim to be a bank hold themselves high based on promotions and business is conducted just like a bank until it comes to holding themselves high based accountable for something the mismanagement. They cant have it both ways I live in Texas I have never asked for a refund from them before but the amount used was over {$600.00} dollars I wasnt getting emails on transactions nor were the flagging them atleast to wait for any response it was me making the charges. They have denied me twice while given a statement, there own evidence in the jump of activity on card, the fact they have XXXX accounts running off the same phone number should have been caught as well. They have been given police reports, receipts for new phone, as well as a list of other accounts having to be changed along with all my credentials phone number and email along with passwords having to be changed and still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-05-28 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: 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 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> I tried to use my ATM/Debit card and it was declined at the ATM and at a store. I looked my account online and noticed that my ATM/Debit card was deleted from my account. I called USAA and spoke to someone on the banking side and they said they could not help me and I need to talk to the fraud department. Once I was able to talk to someone in the fraud department I was told that my ATM/Debit card was restricted due to an investigation and there was no further information they could provide. I was told by the bank rep that it would take up to XXXX hrs for the restriction to be removed. Today is XX/XX/year> and the restriction has not been removed. Calling the bank no one will provide any information nor any response other then it will take XXXX hrs and no info can be provided. I have incurred fees trying to move funds to cover bill due to this restriction.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
XX/XX/year> I explain to Security Credit Service Company. I had never heard of your company. I never did business or sign a contract with your company. Security Credit Service put a Delinquent amount of {$3900.00} on my credit report that drop my credit score significant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: EdFinancial Services
State: IL

Complaint narrative:
I am a public service borrower working as a XXXX XXXXXXXX on the XXXX XXXX XXXX XXXX ( XXXX ) track. I am filing this complaint because my student loan debt has been split across XXXX different loan servicersXXXX and Edfinancialand both companies have failed to coordinate my income-driven repayment billing under federal pro-rata regulations. As a result, I am actively being double-billed a combined total of {$430.00} per month instead of my single, legally approved Income-Based Repayment ( IBR ) amount of {$220.00}. My total approved monthly IBR payment across all of my federal student loans is {$220.00}. Per 34 CFR 685.209, when a borrower 's loans are split across multiple servicers, the monthly payment must be pro-rated based on the percentage of total debt held by each servicer. Instead, Edfinancial is actively billing me for the full {$220.00} amount, and XXXX has independently approved and is billing me an un-pro-rated amount of {$210.00}. Timeline of actions taken to resolve this directly : On XX/XX/year>, Edfinancial sent me a formal communication confirming they could not fix the pro-rata split on their end because the automated data feed from Federal Student Aid ( FSA ) was incorrect. They instructed me to submit manual documentation. On XX/XX/year>, I formally revoked my IRS data-sharing consent on StudentAid.gov to halt the automated systems causing the error and filed an FSA Ombudsman dispute ( Case # XXXX ). Between XX/XX/XXXX and XX/XX/year>, I manually uploaded completed, signed XXXX Income-Driven Repayment paper applications along with my XX/XX/XXXX pay stubs directly to both the XXXX and Edfinancial portals. While both servicers initially placed my accounts into temporary administrative processing forbearances while reviewing the manual data, those pauses have now expired as of late XX/XX/year>. My FSA Ombudsman case has remained stuck " In Review '' since XX/XX/year>, with XXXX resolution or coordination provided. Because my administrative forbearances have concluded and the servicers have entirely failed to coordinate or apply the statutory pro-rata calculation, I am now facing imminent financial hardship due to illegal billing practices. I require the following resolutions : -An immediate statutory pro-rata recalculation and adjustment of my monthly payment split between both companies so that my total combined monthly bill does not exceed {$220.00}. -An immediate extension of my administrative processing forbearances on both accounts to pause active billing until this coordinated math error is completely resolved by the companies and the Department of Education XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XXXX XXXX XXXX has been assigned a credit card account from Goldman Sachs Bank USA with a {$0.00} balance. The account in question, an Apple Card, was voluntarily closed by me on XX/XX/XXXX at a {$0.00} balance with a perfect payment history. I have a closure confirmation email from Goldman Sachs dated that same day confirming this. Goldman Sachs incorrectly classified this account as charged off in their internal system following my XXXX XXXX XXXX filing, which occurred approximately six months after the account was already closed and paid in full. My Transunion credit report correctly shows the account as closed at consumer 's request with 100 % on-time payments and a {$0.00} balance. I filed a CFPB complaint against Goldman Sachs on XX/XX/XXXX ( complaint XXXX ). Goldman Sachs 's response was solely to redirect to XXXX, without addressing the underlying error. I called XXXX directly and was told they could not help because Goldman Sachs transferred the account to them as charged off. There is no debt owed. This account should never have been transferred to collections. I am requesting that Resurgent return this account to Goldman Sachs and that the charge-off classification be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 explanation