vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am currently dealing with a very concerning situation regarding my credit report, as I have identified several items that I do not recognize and consider completely fraudulent. This is seriously affecting me and causing significant distress, as I did not authorize or participate in opening any of these accounts. Additionally, there is a XXXX XXXX XXXX listed that does not belong to me, and I request that it be urgently reviewed. PLEASE I DEMAND THAT YOU BLOCKED AND REMOVED IMMEDIATELY all of these fraudulent items, including the mentioned bankruptcy, as they do not belong to me. I urge you to conduct a thorough investigation, as this is causing me psychological distress and XXXX. I hope you will provide me with written confirmation once this information has been removed and blocked, and let me know if any additional documentation is required. Thank you for your prompt attention to this matter. XXXX Auto Financing XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - Mortgage Loans XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX/ Student Loans XX/XX/XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The following accounts are not mine and were not opened, authorized, or used by me : - Portfolio Recovery Associates ( XXXX / XXXX XXXX ) approx. {$6800.00} - Portfolio Recovery Associates ( XXXX XXXX ) approx. {$8700.00} - XXXX XXXX XXXX ( XXXX XXXX XXXX ) approx. {$1800.00} - XXXX XXXX ( XXXX XXXX XXXX ) approx. {$2700.00} - XXXX Credit Card accounts multiple balances totaling over {$20000.00} - XXXX XXXX / XXXX approx. {$4100.00} - XXXX XXXX approx. {$1400.00} - XXXX / XXXX XXXX approx. {$2100.00} I did not open, authorize, or use any of these accounts. Any use of my personal information was done without my knowledge. I am formally disputing all these accounts and requesting a full investigation. I request that all fraudulent accounts be removed and that all collection activity cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: MT

Complaint narrative:
" Beyond Finance '' Only made 5 negotiation payments on ONE account. Paid in over $ XXXX USD. No other negotiation with other creditors. When questioned I cancelled. They state they been paying one creditor. I paid in over {$6000.00}, less what they paid, $ XXXX left and no other negotiations with creditors. I was told money back guarantee if not satisfied. Today the rest of my " Account is Fee 's '' and not entitled. " It's there fee '' I'm a Service Connected XXXX Veteran ( 100 % ) Senior Citizen & Retired XXXX XXXX. I've served my Country and Fellow Man. Lost my wife of 40+ years and half my income. I held on as long as I could, losing my house that's been in my family since XXXX & grew up in..... Beyond Finance pretty much told me that I cancelled and they keep the balance in my account as there fee..... What $ XXXX to make 5 payments and no other negotiations with creditors. This is a Con Job, Elder Financial Abuse and 100 % XXXX Veteran Abuse, especially after losing my wife of XXXX years. Unbelievable, then " THEY '' wonder why Us Veteran 's XXXX XXXX XXXX every day Somebody help Please.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered a product online and used my Affirm card. It turns out that the company charged me $ XXXX ( claiming to XXXX XXXX XXXX ) they charged my affirm account and never sent the product. I checked online and there are hundreds of complaints that XXXX approves you for XXXX and then sends the prescription to their pharmacy for shipping. Its supposed to take approximately 48 hours to ship out but people complain that when they check the patient portal it states that its pending. My order was placed on XX/XX/XXXX. You absolutely cant get in touch with XXXX by phone or by sending messages to the patient portal. I looked up XXXX address and it is a physical building that is used to collect their mail. Its a scam and this is my first time Ive been scammed. Ive used Affirm for years and Ive never had a problem. I cant get ahold of anyone at Affirm because everything is run by AIplease help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
BMO terminated the account due to a third-party deposit. XXXX confirms the funds were sent, but BMO is holding the {$2600.00} and refusing to release it or return it to the sender. We are caught in a loop between XXXX and BMO 's back-office departments.BMO is saying they cant do anything XXXX have to pull hold harmless form and XXXX is saying they cant do anything because the funds are showing cashed out to them and they wont do anything about it because its been a month I have been calling BMO and XXXX since XXXX XXXX everyday.

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am currently dealing with a very concerning situation regarding my credit report, as I have identified several items that I do not recognize and consider completely fraudulent. This is seriously affecting me and causing significant distress, as I did not authorize or participate in opening any of these accounts. Additionally, there is a XXXX XXXX XXXX listed that does not belong to me, and I request that it be urgently reviewed. PLEASE I DEMAND THAT YOU BLOCKED AND REMOVED IMMEDIATELY all of these fraudulent items, including the mentioned bankruptcy, as they do not belong to me. I urge you to conduct a thorough investigation, as this is causing me psychological distress and XXXX. I hope you will provide me with written confirmation once this information has been removed and blocked, and let me know if any additional documentation is required. Thank you for your prompt attention to this matter. XXXX Auto Financing XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX - Mortgage Loans XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX/ Student Loans XX/XX/XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX

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 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this follow-up because the companies involved have failed to properly respond to my dispute and validation requests. I previously disputed multiple collection accounts and formally requested debt validation under my rights provided by the Fair Debt Collection Practices Act. I specifically requested documentation such as a debt verification letter, account history, and proof that the companies have the legal right to collect on these debts. To date, the companies have not provided the requested information or any sufficient documentation to validate these debts. Despite this, the accounts continue to be reported on my credit report. Additionally, one of the accounts ( XXXX ) was previously removed from my credit report and later reinserted without any notice to me, and I have still not been provided with the method of verification or proof that proper notice was sent. At this point, the lack of response and failure to provide validation leads me to believe these accounts are not being properly verified as required by law. I am requesting that these accounts be removed from my credit report if the companies can not provide full and proper validation, and that my credit report be corrected to reflect accurate and legally compliant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I am disputing a charge of {$840.00} labeled " Insufficient Notice '' included in a debt JJ Marshall is collecting on behalf of XXXX XXXX XXXX XXXX XXXX. I vacated the apartment on XX/XX/year>, approximately one month before my lease end date of XX/XX/year>. I disputed the move-out charges in writing on XX/XX/year>. After my dispute, the original creditor removed a {$440.00} painting charge but maintained the remaining charges, including the {$840.00} insufficient notice fee. In multiple written communications, I have asked JJ Marshall to identify the specific provision in my lease that authorizes the {$840.00} charge. JJ Marshall 's most recent response stated only that the charge is supported by " Section 12 ( A ) and 12 ( B ) '' of the lease and that the charges " apply to different time periods and different lease obligations. '' This response is not specific enough to verify the debt. I have reviewed Sections 12 ( A ) and 12 ( B ) of my lease in detail. Section 12 ( A ) governs a formal Lease Termination Agreement that I never invoked, I never signed an Early Termination Addendum, never paid the two-month lease termination fee it requires, and was not eligible for it because I had occupied the residence for less than 12 months at the time of notice. Section 12 ( B ) governs premature termination and authorizes specific charges ( releasing fee, painting, utilities, late fees, attorney fees, concession reimbursement ), all of which are separately listed on my final bill. Neither section authorizes a separate " insufficient notice '' charge. The calculation also appears duplicative. The {$840.00} figure is approximately 67.7 % of one month 's rent ( {$1200.00} ), which closely matches a 20-day prorated portion of XXXX rent. The full XXXX rent is already separately charged on the bill. This suggests the {$840.00} charges me a second time for a portion of XXXX already covered by the {$1200.00} XXXX rent charge. JJ Marshall has had multiple opportunities to identify the specific lease clause authorizing this charge and has not done so. I am asking the CFPB to require JJ Marshall to either ( 1 ) provide the specific lease provision and calculation supporting the {$840.00} charge, or ( 2 ) remove this charge from the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
On we about XX/XX/XXXX, I sent by certified mail LVNV finding LLC out of XXXX, South Carolina a letter asking them to show me a copy of the original purchase agreement showing that they are the legal owners of this debt documentation showing how much they pay for the debt a full itemized account of the lead debt And amount that they paid for the debt. The company did not provide me with all the specific documents that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
On Saturday XX/XX/year> I received my new card in the mail. I called the customer service number on the back of the card to activate it and set a PIN. The automated system transferred me to a representative because there was an issue verifying my account. However after hours I never reached one. Today, Monday XX/XX/year> I have spend the majority of my day on hold, even as I write this. One representative I spoke with informed me that my unactivated card has a block on it due to fraud and transferred me to that department, my call was never picked up. Another representative told me to wait a few days and try again. No real solution. This is the worst customer service I have witnessed. I only want to access my funds that I am due and have long awaited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I contacted Midland Credit Management to request debt validation for a XXXX XXXX XXXX account they claim I owe ( {$540.00} ). They responded by only sending billing statements. They failed to provide proof that they legally own the debt, a bill of sale showing chain of ownership, or the original signed credit agreement. Billing statements alone do not constitute proper debt validation under 15 USC 1692g. They can not properly verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/year> Subject : FORMAL DISPUTE : ERRONEOUS ACCOUNT CLOSURE & IMPROPER RISK CLASSIFICATION Description of Incident : I am formally disputing Truist Banks decision to close my account based on a technical user error. I am a hardworking individual currently logging XXXX hours per week in a production environment. I am not a " scammer '' I am a legitimate consumer who made a common technical mistake. I didn't think the transfer was set up so I set it up again. Then the next thing I know it was returned from XXXX. I was attempting to move money from this account to another account and set up my direct deposit from my job into this account. I understand I'm not a big client but I would have been depositing from my job XXXX a week. The Facts : The Error : I attempted a {$700.00} transfer. Because the interface did not immediately confirm the action, I initiated it a second time. This was a " double-tap '' technical error, not an attempt to defraud the bank. The Proof of Legitimacy : I recently made a physical cash deposit into this account. Fraudulent actors do not deposit physical cash into accounts they intend to exploit. My intent has always been to fund and use my account legitimately. The Response : Truists automated system flagged this honest mistake and triggered an account closure without human review or consideration of my work-history and deposit patterns. My Demands : Inaccurate Reporting : I demand that Truist ensure this closure is NOT reported to XXXX XXXX XXXX XXXX XXXX ( XXXX ) as " Fraud, '' " Account Abuse, '' or " Suspicious Activity. '' Correct Labeling : If Truist chooses to proceed with the closure, it must be recorded as " Closed by Institution - Business Decision '' only. Consumer Rights : Reporting an honest technical error as " fraud '' is a violation of the Fair Credit Reporting Act ( FCRA ) as it constitutes reporting inaccurate and damaging information. I expect a response confirming that my banking reputation remains untarnished by this automated error. I'm no different than any other person trying to start a business and getting personal finances organized where they make since to me.not your algorithm bot!

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 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir or Madam, We are writing regarding four disputed transactions involving a merchant named XXXX XXXX. In XX/XX/XXXX, Bank of America successfully resolved these disputes in our favor and issued credits for the disputed transaction amounts. At that time, we were explicitly assured that any interest charges directly resulting from these transactions, incurred between XX/XX/XXXX and XX/XX/XXXX, would also be refunded. When those interest charges were not refunded, we were further advised that they would be automatically applied once the dispute cases were fully closed. The cases have been officially closed since approximately XX/XX/XXXX. However, as of today, the associated interest charges still have not been credited back to our account. This delay is inconsistent with the assurances we received throughout the dispute process. I respectfully request that you review this matter promptly and issue a full refund of all interest charges directly related to the disputed transactions without further delay. Please confirm when this has been completed or advise if any additional information is required from my end. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Deer Creek Lending
State: CA

Complaint narrative:
* * What happened : * * In XX/XX/year>, I obtained a loan in the amount of {$2700.00} from a lender. Since then, the lender has been deducting {$530.00} from my paycheck every pay period. I am concerned that these deductions may be unauthorized and unlawful. I do not fully understand how the lender is able to access my paycheck, and I am unsure whether I signed a legally valid wage assignment or authorization. The repayment amounts appear excessive compared to the original loan, and the ongoing deductions are causing financial hardship. I am also concerned that this lender may not be properly licensed to operate in California. * * What I want the company to do to fix the problem : * * I am requesting : * Immediate stop to all paycheck deductions * A full review of the legality of this loan and repayment structure * A refund of any amounts collected in excess of what is legally permitted * Clear documentation showing what I legally owe, if anything * That no negative credit reporting occur while this matter is under investigation I am willing to repay any lawful amount owed but dispute the current repayment terms and collection method. * * Additional details : * * Loan Amount : {$2700.00} Payment Amount : {$530.00} per paycheck Loan Date : XX/XX/year> State : California I can provide pay statements and supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I was solicited at my home by a solar sales company that represented a full solar system installation along with additional benefits, including replacement of my roof, a backup generator, and a bonus payment. I was also told the system would provide approximately a 110 % offset, meaning I would no longer have a meaningful electricity bill. During this process, I was guided through and completed a credit application for financing through LoanPal, which is now operating as GoodLeap. I understand that LoanPal later rebranded as GoodLeap, meaning this is the same company that originated my loan. None of the additional promised items were delivered. My roof was not replaced, I did not receive a generator, and no bonus payment was ever provided. The company that sold and installed the system is now unresponsive and appears to no longer be in business. Additionally, the solar system itself is not functioning properly. My XXXX XXXX XXXX shows multiple panels not producing at all, and the system has issued a XXXX XXXX XXXX alert. This confirms equipment failure and system underperformance. The system is also not producing the level of power that was represented. I was told the system would eliminate or significantly reduce my electricity bill, but I continue to receive substantial monthly electric bills. It has become clear that the system and equipment installed do not perform as promised. Although the loan may have been transferred or rebranded, the financing originated through LoanPal/GoodLeap as part of a coordinated sales and installation process. I do not believe the lender can separate itself from the representations made at the time of sale. As a result, I am paying both a solar loan and ongoing electric bills for a system that does not operate as represented. I entered into this agreement in good faith based on those representations. I believe this situation reflects misleading and potentially predatory sales practices, failure to deliver contracted services, and a defective product. I am requesting that this matter be investigated and that appropriate action be taken.

Company response to consumer: Closed with explanation