vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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 RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: MS

Complaint narrative:
I financed an {$11000.00} online course through Klarna to purchase a XXXX automation program sold through XXXX after participating in a sales call. During the call, the salesperson emphasized the potential to earn significant monthly income from automated XXXX channels and presented the program as a proven system. After participating in the program, I believe the service was misrepresented and does not match the claims made during the sales process. I have paid approximately {$5000.00} toward the loan and still owe the remaining balance. I contacted Klarna to request that the loan be reviewed and disputed because the financing was obtained as part of a high-pressure sales process with misleading income claims. Klarna informed me that they could not open a dispute due to the time elapsed, even though the loan is still active and I am still required to make payments. I am requesting that Klarna review this loan and the circumstances under which it was obtained, including the marketing and sales practices used to promote the course

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I tried to cancel/ stop the loan less that 24 hours after I signed the contract by calling Sofi and speaking to several representatives. every representative, I spoke to said that I could not cancel the loan because its already been funded. The loan had not been funded at that time, and my contract says that I may cancel at any time before the loan is funded. yesterday. I got an email that the loan was funded and today the money showed up in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a XXXX prepaid card loaded with {$500.00} from XXXX XXXX. When I attempted to activate the card, it did not work. I contacted customer service and was told I must fax my ID, the card information, and the purchase receipt in order to activate the card. I attempted multiple times to send the fax but it does not go through at XXXX. The company also provided an email address to send the documents, but the email address bounces back and can not receive messages at XXXX As a result, I currently have {$500.00} locked on this card and can not access my own funds. I purchased this card to pay a bill and the delay has now caused financial hardship. I am requesting immediate access to my {$500.00} plus Because I was unable to access the money to pay my bill, I have experienced financial inconvenience and late fees of {$50.00}. I am also requesting reimbursement for any fees incurred and reasonable compensation for the time spent trying to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have never opened, maintained, or authorized this account.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
Conpany keep calling me texting me about debt when i ask from they dont answer my question i also ask for full original validation paperwork didnt receive that so she hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
VANCEHUFFMAN- is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN- 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
Consumer complaint received 2026-03-10 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Truist bank is illegally calling people NOT in my loan, not authorized to have my information, not even associated with it, and giving them information about my account

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I am filing this complaint against GoodLeap, LLC regarding XXXX solar installation loans totaling {$47000.00} financed through GoodLeap in XXXX. The solar systems were sold by XXXX XXXX XXXX, which has since ceased operations. As the loan holder, GoodLeap is liable for my claims against the seller under the FTC Holder Rule ( 16 CFR 433 ), which is expressly referenced in both loan agreements. Loan XXXX : Agreement XXXX | {$28000.00} | Signed XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) Loan XXXX : Agreement XXXX | {$18000.00} | Signed XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) My claims : Broken promise of zero electric bills. XXXX 's sales rep explicitly promised the second system would eliminate my electric bill. Before solar I paid ~ $ XXXX. I now pay $ XXXX in GoodLeap loan payments plus {$75.00} $ XXXX in continuing electric bills more than before either system was installed. Chronic system underperformance. The XXXX XXXX system is rated XXXX XXXX but has never exceeded XXXX XXXX annual production 2530 % below expected output as documented by XXXX monitoring data from the system itself. Loss of XXXX warranty. The XXXX XXXX installer ( XXXX XXXX XXXX ) filed bankruptcy, eliminating XXXX years of remaining warranty coverage on a $ XXXX system. XXXX 's choice to use a completely different installer for XXXX XXXX instead of expanding the XXXX system suggests they knew of XXXX 's instability. Undisclosed loss of locked-in generation credit rate. Adding the second system caused me to forfeit a locked-in XXXX generation credit rate with my electric cooperative ( XXXX ), dropping from XXXX cents to XXXX cents/KWH. This was never disclosed and eliminated any realistic financial benefit from either system. Roof damage. Multiple XXXX service visits damaged my concrete tile roof. I paid {$2000.00} cash for emergency repairs. A licensed contractor ( XXXX XXXX, XXXX # XXXX ) issued a formal estimate of {$22000.00} ( XXXX # XXXX, XX/XX/XXXX ) for full remediation not including solar panel removal/reinstallation. When I contacted GoodLeap previously to raise some of these issues, they dismissed my complaint by claiming one system was " overperforming, '' which does not address any of the above claims. GoodLeap continues to collect payments on both loans. I am also sending another complaint directly to Goodleap and one to the Arizona Attorney General. Any help you can provide would be welcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
Validation of Debt Request - PLAZA SERVIC - 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
The first violation is that I never received written notice of this alleged debt before it was placed on my credit report. Under FDCPA 1692g ( a ), a debt collector is required to provide written notice of the debt and inform the consumer of their right to dispute it. That never occurred in this situation. I do not even know what this alleged debt is for. Once it appeared on my credit report, I immediately began requesting proper validation of the debt. Instead of providing the required documentation, this company has continued calling me repeatedly. I have asked multiple times for them to stop calling me and to send proper validation in writing, yet the calls continue. Because of this conduct, I have filed a complaint with the Federal Trade Commission ( FTC ) and a complaint with my State Attorney Generals Office after researching Credence Resource Management and seeing repeated complaints from other consumers describing the same behavior. I have repeatedly requested proper validation of the debt, which means documentation that actually proves the debt is legitimate and that I am legally responsible for it. Proper validation of a debt includes documentation such as the name of the original creditor, the account number, a copy of any agreement or contract showing the consumers responsibility for the debt, itemized statements explaining the balance being claimed, proof that the collector has authority to collect the debt, and documentation demonstrating that the debt is accurate and belongs to the consumer. It is now XXXX. Consumers know what proper validation of a debt is. Anyone can easily verify this information by researching the law online. If Credence Resource Management actually has proper validation of this debt, they should upload it through this CFPB complaint. However, they have failed to provide it despite repeated requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There was a report made on a debt for a XXXX credit amount placed on my credit report. I do not have an account with this company. I contacted the company and when speaking with them it was discovered that the last XXXX of the social security number on that account was not mine. The company would not contact Experian so I filed a dispute with them, they just sent the results stating that that will remain on my credit report. This account is not mine and I dont know what to do to correct this

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 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Reached out to National Credit XXXX to obtain information in regard to debt. XX/XX/year> debt was paid in full. Was informed on recorded line it would be for pay & delete to all XXXX bureaus. Was also informed they report to the bureaus every week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: KY

Complaint narrative:
I am filing a complaint about inaccurate credit reporting related to an auto loan originally from XXXX XXXX XXXX that was later reported by Avante USA. Both companies are reporting what appears to be the same repossession debt on my credit report. The Avante USA account does not list key information such as the account type, amount past due, or date of last payment, yet it is still being reported as a collection. Because important details are missing or incomplete, I believe this account is being reported inaccurately. Additionally, the same debt appears to be reported twice : once by the original lender ( XXXX XXXX XXXX ) and again by Avante USA. This creates duplicate derogatory reporting for the same obligation. I am requesting that this account be properly investigated and that any inaccurate, incomplete, or duplicate information be corrected or removed from my credit reports with XXXX, XXXX, and XXXX in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
My XXXX, and XXXX have received calls from this company and sharing that i have a debt somewhere and I have not heard from them. They are pestering my family and that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
There was a report made on a debt for a XXXX XXXX amount placed on my credit report. I do not have an account with this company. I contacted the company and when speaking with them it was discovered that the last 4 of the social security number on that account was not mine. The company would not contact XXXX so I filed a dispute with them, they just sent the results stating that that will remain on my credit report. This account is not mine and I dont know what to do to correct this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: MS

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The company has furnished and attempted to collect on an alleged account that I do not recognize and for which I never entered into any agreement. I never signed any contract or provided authorization for this alleged debt. A valid and enforceable obligation requires proper authorization and documentation demonstrating that the consumer agreed to the terms. No such documentation has been provided to me. After discovering this account on my credit report, I formally disputed the account and requested proper validation of the alleged debt. Despite my request, the collector failed to provide competent evidence that the debt belongs to me. They did not provide a copy of the original agreement, proof of my authorization, or documentation showing their legal authority to collect this debt. Instead, the company continues to report this account to the credit reporting agencies without properly validating the debt. Reporting unverified or inaccurate information to consumer reporting agencies is a violation of federal consumer protection laws. Their actions have caused harm to my creditworthiness and unnecessary stress. Because the collector has failed to properly validate the debt and continues to report inaccurate information, I believe they are in violation of the FDCPA and FCRA. I respectfully request that the CFPB investigate this matter and require the company to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In a response to a complaint that a prior transaction ruled as authorized ( for {$650.00} ) is actually unauthorized under regulation E you invited to reach out for additional questions. I am submitting an additional complaint as I was unable to reach you back despite leaving a number of messages, and your response appeared to be untrue to the point of lacking a substantive response to my complaint. My complaint is that a transaction I was forced to complete under duress as I immediately reported should be considered unauthorized as per Regulation E. In your response you state : " As you authorized and conducted the transfer, the transaction is not considered unauthorized under Regulation E, even though you allege it was influenced by a third party. '' My complaint is specifically that this is provably untrue. Regulation E includes interpretation guidance from the CFPB that describes this exact situation, where a transfer authorized and conducted under duress is in fact unauthorized under regulation E. Therefore, at minimum, your explanation is insufficient to describe why my claim was denied. To clarify why my claim was denied you would need to have a different reason as transactions under this exact circumstance ARE considered unauthorized according to Regulation E guidance in one particular circumstance : In Regulation E 1005.2 ( i ) ( Definitions ), covering the definition of unauthorized, they provide official interpretation guidance : XXXX XXXX XXXX XXXX XXXXXXXX Exactly quoting from this page from regulation E guidance : " Forced initiation. An EFT at an ATM is an unauthorized transfer if the consumer has been induced by force to initiate the transfer. '' In this case, the electronic funds transfer at an ATM was " authorized '' by the user in the exact situation you describe here that I did, but the CFPB indicates the transaction is " unauthorized '' for the purposes of definition in Regulation E because it was made under duress, as in my circumstance. USAA has not attempted to describe ( or even address ) how this situation is meaningfully different from my situation, which differs solely by the type of EFT and in no other respect. This has been the exact content of my complaint the entire time, but USAA hasnt even bothered to reject it ( albeit with false reasoning ) until the prior complaint. Note well the actual text of Regulation E treats all types of EFT the same so it would be illogical to treat these situations differently in light of this guidance. If USAA does want to treat the situations differently, the explanation for why is the response Ive been looking for this entire time. I understand the guidance may be new, but I shouldnt be having to pull out hairs here just to get a response.

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