vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harpeth Financial Services, LLC
State: DE

Complaint narrative:
Received a call from Advance Financial from an individual who failed to disclose his name. I asked what the call was in reference to and was told you owe the debt. I then requested to be removed from phone calls and for this information to be sent via mail, specifically, as I have not taken out a loan from this company and do not owe debt. I was then put on hold and the line disconnected. I am disputing any debt associated with this company. Further, the company upon request failed to provide any documentation in writing. Advance Financial has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
XXXX XXXX XXXX by XXXX of their legal counsel, XXXX XXXX XXXX Kohn Law XXXX XXXXXXXX, XXXX had brought a suit against me for an outstanding debt. This is a lie! This was discharged back in XXXX of XXXX. XXXX XXXX & Kohn failed to participate in ALL legal proceeding with the bankruptcy court and never ONCE made any objection to the language in the bankruptcy order. Now XXXX XXXX wants to play games & claim i still own this debt & wet so far as to reopen a case and purse this further, which she LOST, spectacularly I might add ... XXXX XXXX XXXX XXXX XXXX XXXX failed at every opportunity to assert their claim when they had literally 6+ years to do so. now after that timeframe has passed she wants to pursue a dead-end. this is outrageous & illegal. the XXXX has been contact & is aware of what XXXX XXXX & Kohn Law is up to. I will be taking aggressive legal action against her & Kohn Law. as well as taking severe legal action against XXXX XXXX XXXX. I encourage you to fully investigate NOT only XXXX XXXX XXXX, but also Kohn Law for their continued illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Money Stash, L.L.C.
State: SC

Complaint narrative:
I am filing a complaint against a lender known as Money Stash regarding deceptive and potentially unlawful lending practices. In XX/XX/year>, I obtained a {$600.00} loan from this company. During the loan process, I was clearly told that my monthly payment would be approximately {$180.00}. I relied on that representation before agreeing to the loan. However, I was later charged approximately {$380.00} per month, which is significantly higher than what was disclosed to me. To date, I have paid approximately {$1200.00} on this {$600.00} loan. Despite this, the company claims I still owe approximately {$1000.00} plus additional interest. This would result in me paying several thousand dollars for a {$600.00} loan. I dispute the validity of this debt, the payment terms, and the amount claimed. Additionally, public records show multiple Texas addresses associated with this company, including : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX Older business records also identify an individual named XXXX XXXX as a manager/member of Money Stash , LLC . I request verification of the correct legal entity and responsible parties. I believe this situation involves : - Misrepresentation of loan terms - Failure to properly disclose the true cost of credit - Potentially excessive and unlawful interest or fees I am requesting : 1. A full investigation into this lender 2. A complete loan accounting and copy of the signed agreement 3. Cancellation or correction of any unlawful balance 4. A refund of any overpayments I am prepared to provide supporting documentation including payment history and communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
THEY DID NOT HAVE MY PERMISSION TO PUT THAT INFORMATION IN MY CREDIT REPORT IN INCORRECT IT NEEDS TO BE REVED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allegiant Capital Recovery LLC
State: OH

Complaint narrative:
Got recent email trying to collect a debt using the old fear, rush up program.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am the co-signor on a private student loan with Sallie. My nephew, the signatory is late paying his payment and has changed his number. I am not in communication with my nephew as his behavior has been subpar. I called Sallie a couple of weeks before the first late payment to come up with a solution. They told me about all the programs I did NOT qualify for and offered zero resolution. I asked to speak to someone else because I was still not going to be able to make the payment. They put my on hold for XXXX minutes to which I had to drop off the call. Since we have been late, they start calling my phone at XXXX XXXX XXXX ( my location is correct in their system ) and call at least 4-5 times per day. I sent them a certified letter asking them to stop calling so much and for hardship payment options. I've received nothing. This is NOT okay, but any definition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: SC

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 explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
They misrepresented and Reimburse OUR {$900.00} We contacted Citizens bank to cancel a payment to a scammer. - Payment Details Canceled Payment XXXX XXXX Citizens Bank Payment Details Canceled Payment XXXX Confirmation # : XXXX To : XXXX XXXX at XXXX From : Citizens, One Deposit Checking, XXXX Amount : {$900.00} Sent : Monday, XX/XX/year> Speed : Within Minutes Payment ID : XXXX - They posted payment AS CANCELLED ON XXXX. XXXX XXXX Citizens Bank Pending Activity No pending tasks for you to take action on. Past Activity PAYMENT CANCELED XX/XX/year> XXXX XXXX XXXX {$900.00} We have screen shots of this from the Citizens bank. They misrepresented and Reimburse OUR {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NJ

Complaint narrative:
I am filing a second complaint regarding disputed transactions on my Apple Card account totaling approximately {$7000.00}. I disputed these transactions as unauthorized. Goldman Sachs initially issued provisional credits but later reversed them, determining that the transactions were authorized. In response to my prior CFPB complaint, Goldman Sachs stated that it conducted an investigation and found no bank error. However, the bank also admitted that no merchant evidence was available to support its determination. This presents a fundamental issue. Goldman Sachs concluded that the transactions were authorized while acknowledging that it does not possess merchant documentation, transaction verification records, or any evidence demonstrating that I authorized the charges. Instead, the determination appears to rely on the absence of detected fraud or account takeover. However, the absence of fraud indicators does not establish that a transaction was authorized by the cardholder. Under Regulation Z ( 12 C.F.R. 1026 ), a creditor must conduct a reasonable investigation and base its determination on evidence. A conclusion of authorization without supporting documentation raises concerns regarding whether a reasonable investigation was conducted. In addition, I filed an identity theft report with the Federal Trade Commission and was contacted by an FTC representative. This reflects that I have consistently treated these transactions as unauthorized. Despite the lack of evidence, Goldman Sachs continues to hold me responsible for approximately {$7000.00} in charges and associated interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
XXXX Whom It XXXX Concern, I am writing in response XXXX your communication regarding an alleged debt for XXXX in the amount of {$490.00}. I am formally disputing this debt in full. Additionally, the address referenced in your notice is not my current address. Please provide full validation of this alleged debt, including the following : * The name XXXX address of the original creditor * A copy of the original contract or agreement bearing my signature * Documentation showing the chain of ownership of the debt ( including any transfer or assignment history ) * Proof of your legal authority XXXX license XXXX collect this debt in the state of Illinois Until this information is provided XXXX verified, I do not acknowledge this debt XXXX request that all collection activity cease in accordance with the Fair Debt Collection Practices Act. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a payment arrangement set up with the state of taxation XXXX release forms were faxed and TD will not release my funds they are keeping my account frozen. XX/XX/XXXX the first release form was faxed and a hard copy was mailed off. TD didnt put a levy on my account until almost 1 month after the release form was faxed and mailed off XX/XX/XXXX my account was on hold. The state of taxation sent another release for off XX/XX/XXXX at XXXX and another one on XX/XX/XXXX at XXXX. The levy department has me on hold for XXXX hours after the third hour I hang up. This department is not doing there job. I suffer with XXXX XXXX XXXX and this issue is really getting to me Ive been dealing with it over XXXX weeks now I can not get any of my pay checks due to the lack of work being done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: Possible Financial Inc
State: TX

Complaint narrative:
I opened an installment loan with Possible Financial Inc. in XX/XX/XXXX with an original balance of approximately {$70.00}. The account is now being reported as charged off with a current balance of {$87.00} as of XX/XX/XXXX. I dispute the accuracy, completeness, and verifiability of this account as it is currently being reported. The increase in the reported balance has not been properly explained or substantiated with any itemized breakdown of fees, interest, or charges applied to the account after origination or prior to charge-off. Despite repeated reporting to consumer credit bureaus, Possible Financial Inc. has not provided documentation sufficient to verify the accuracy of the amount being furnished, including a full account ledger or detailed explanation of how the current balance was calculated. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be fully accurate, complete, and verifiable. Reporting a balance that can not be properly substantiated does not meet this standard. I am requesting a full reinvestigation of this account. If Possible Financial Inc. can not provide complete, itemized, and verifiable documentation supporting the accuracy of this balance, I request that this account be corrected or permanently deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Again, Nelnet has reported to XXXX delinquent loans that are under a XXXX XXXX bankruptcy. I have my credit report from TransUnion and have included it in this complaint. I was not happy with the response that Nelnet gave. I actually gained a credit score of XXXX, and this month, Nelnet decided that I needed XXXX points shaved off of that, by reporting loans as delinquent when I am paying XXXX a month. This is getting ridiculous. CPFB done nothing to check into this last time I complained. If the credit report is wrong, then it needs to be corrected. Nelnet, the last time I sent a complaint they did remove it, but put in back on my report for XXXX. I am going to also reach out to my bankruptcy trustee to see if there is some relief with her, but you guys need to do your job and tell Nelnet they can't report loans as delinquent if they are in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX\nXXXX XXXX, NY XXXX\nXXXX\nXXXX\nSSN (last 4): XXXX\nXX/XX/XXXX\n\n\nSubject: Formal Dispute of Inaccurate and Invalid Collection Account\n\nTo Whom It May Concern,\n\nI am writing to formally dispute a collection account that has been reported on my XXXX credit file. This account is inaccurate, incomplete, and legally invalid due to the circumstances under which it arose.\n\nThe account was submitted by [Collection Agency Name] and is related to an apartment lease for which I was a co signer. My daughter occupied the unit duringXX/XX/XXXX, and XX/XX/XXXXin Tennessee. Shortly after moving in, the apartment developed severe mold growth and a bed bug infestation. These conditions constitute serious health and safety violations under Tennessee law and rendered the unit uninhabitable.\n\nMy daughter notified the landlord immediately, yet no corrective action was taken. Because the landlord failed to remedy the hazardous conditions, she exercised her legal right to vacate the property. Under Tennessee landlord tenant law, a tenant cannot be held financially responsible for rent during periods in which the property is uninhabitable, and the landlord refuses to address the issue.\n\nDespite this, the landlord improperly forwarded the matter to collections. The resulting collection account is not valid, as the underlying debt is not legally owed. The reporting of this account has caused significant harm, including a 126 point drop in my credit score.\n\nUnder the Fair Credit Reporting Act (FCRA), I am requesting the following:\n\n1. A full investigation into this account and the circumstances surrounding it. \n2. Removal of the collection entry from my credit report, as the debt is invalid and should not have been reported. \n3. Written confirmation once the investigation is complete and the account has been deleted.\nPlease investigate this matter promptly and correct my credit file (XXXX) accordingly.\n\nSincerely, \n\nXXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I received a XXXX XXXX XXXX, around XXXX of XXXX I applied and was approved for this credit card with a {$3900.00} credit limit. I can't remember what the interest rate offer was. I looked at all my statements from XX/XX/scrub>XXXX XXXX to XXXX XXXX. In just XXXX years time I have been charged {$1200.00} interest fees alone. That means I have only used {$2700.00} in credit and the rest is interest fees and the card is maxed out. I make payments of {$160.00} and they turn around and charge me. {$100.00} in interest. I dont understand how they interest is calculated and I think am being seriously ripped off. I tried speaking with someone, but they have an automated system that dosent let you connect with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC
State: TN

Complaint narrative:
I am submitting a complaint regarding a deceptive add-on product that was financed into my auto loan. At the time of purchasing my vehicle, I was sold a product called XXXX XXXX XXXX. This product was presented to me in a way that led me to believe it functioned as XXXX insurancespecifically, that it would protect me financially if my vehicle was declared a total loss. My vehicle has since been totaled, as the cost of repairs exceeded the value of the vehicle. However, I have now been informed that this product does not cover the remaining loan balance and instead only provides limited benefits that were not clearly explained at the time of sale. This is a material misrepresentation. I would not have agreed to finance this product had I been properly informed of its actual limitations. The product was bundled into my loan, increasing the total amount financed and impacting my financial obligation. I am requesting the following : - A full refund of the XXXX XXXX XXXX product - Immediate adjustment of my loan balance to reflect the removal of this product - Deletion of any related negative or inaccurate reporting to my credit file This situation reflects deceptive sales practices involving an add-on product in connection with an auto loan. I am requesting that this matter be investigated and resolved promptly. I am prepared to provide supporting documentation, including my finance agreement and any related contracts, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
am filing a complaint regarding my XXXX account, which was permanently deactivated by XXXX. I was informed that any remaining funds in my account would be held for up to XXXX days for loss prevention purposes. According to XXXX own policy, this XXXX holding period has already passed. The notice references a date of XX/XX/XXXX, meaning the holding period should have expired around XX/XX/XXXX. As of today, it has been well over XXXX days, yet I have not received my funds, nor have I been provided with any instructions or timeline for release. Additionally, XXXX has stated that they will no longer respond to further inquiries, effectively preventing me from resolving this issue through their support channels. I am requesting the immediate release of my remaining account balance, or at minimum, a clear explanation for why my funds are still being withheld beyond the stated XXXX period. This situation is concerning, as it appears my funds are being held without justification beyond the timeframe outlined by XXXX. I request that XXXX : Immediately release my funds, or Provide a detailed explanation for the continued hold beyond XXXX days, including any deductions or claims against my balance. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation