vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
In XX/XX/XXXX, I was offered a temporary payment adjustment program by XXXX. I was told that it would alter my payment amount to a fixed lower amount over a period of time while being actively involved, and was not informed of any cons of entering the program apart from accruing interest. Auto pay was set up and I entered into this agreement. After about XXXX ( XX/XX/XXXX ) months of being involved, I left it early and began making payments at the normal rate again to avoid extending the life of this loan any further than it should and avoid excess interest. I believed that everything would remain normal because it was not explained to me otherwise. 

However, fast forward to today. My wife and I are looking to purchase a new home for our growing family. With a XXXX month old baby at home now, our current house is at capacity. When speaking with my loan XXXX I was shocked to see that XXXX reported that loan as past due the entire duration of that program ( even though the loan was paid per the agreement of program ). Now I have XXXX payment delinquency on my account and this has made it impossible to work with any lenders because it has tanked my credit score. It has put a strain on our family unnecessarily and much undue stress. 

Beware - XXXX will not disclose to you the impact of accepting their help. It may seem like a too good to be true payment assistance program- and it IS! Dont end up like me with disputes that go nowhere and dealing with the chaos from a bank that apparently wants to lock its consumers into a painful financial mess that was not explained to them. I would have never accepted their assistance had I known the program would destroy my credit for many years. When I spoke with them over the phone about this issue ( on a recorded line ), they told me that they only have a record of me being XXXX  days late, but thats not what they are reporting! Disputes did not help the situation either. 

Be cautious. It feels very predatory and has left my family in a bad spot. Be careful doing business wit them and monitor your credit XXXX, as they will not hesitate to put information on there that is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting verification of this account as it is being furnished to consumer reporting agencies. I previously requested information from the company to confirm the accuracy, balance, and authority to report this account. 

The company did not provide the requested verification or documentation showing that the information being reported is accurate and complete. Instead, I received a response that did not address my request or failed to provide substantive validation of the debt. 

This account continues to be reported to consumer reporting agencies without proper verification. I am requesting that the company either provide documentation supporting the accuracy and legal reporting of this account or correct the information accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
It has been XXXX months since I have sent a complaint which was dropped. It is the exact same {$410.00} amount XXXX XXXX is requesting that was already dealt with back in around 2020 when I was done fighting with the company that sent it in today a collection agency for around {$200.00} at that time which before they sent to the collection agency was around {$70.00} for a router they implied that I did not return. Which is false information because I was told to leave it at the time at the pickup point in the XXXX  in which I was staying in at a XXXX XXXX base in Virginia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Received a text from number " XXXX '' stating the following : " XXXX XXXX XXXX, a debt collector. Your account from XXXX XXXX XXXX XXXX has been placed with our office. Pay as little as 60.00 % online at XXXX using AGENCY ID : XXXX. Payment options are also available. Text STOP to unsubscribe. '' I have no such debt with the stated healthcare system. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
PayPal closed my account and held my cash of total sum {$270.00} for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be because all my registration details were correct, And I have not been able to get help from them for weeks. But I just remembered I could file a report here as I feel they are not doing their job properly and it is affecting a great deal as I used PayPal quite frequently. My Email Linked to the my PayPal account is XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I obtained a private student loan through CreditClimb for enrollment at XXXX XXXX XXXX. After issues with my enrollment, I contacted CreditClimb and requested that they coordinate with the school to return undistributed or refunded funds and update my loan balance accordingly. 

On or about [ XX/XX/year> ], CreditClimb informed me that this process would take up to 10 days. I relied on that representation. More than 10 days have passed, and no refund or balance adjustment has been completed. I have not received confirmation, documentation, or any meaningful update regarding the status of the funds or communication with the school. 

Despite my efforts to resolve this directly, the loan balance remains incorrect, and the account has been reported in a way that has caused significant damage to my credit score. The information being reported does not accurately reflect the status of the loan given the pending return of funds.

I have repeatedly attempted to obtain accurate information and resolution from CreditClimb, but the company has failed to follow through on its stated timeline or correct the issue. I am requesting regulatory assistance to ensure the funds are properly handled, my loan balance is corrected, and any inaccurate credit reporting is addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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 am filing a complaint regarding a solar loan financed by GoodLeap that was sold through XXXX for {$44000.00} on XX/XX/year>. 

The sales representative explicitly told us that the solar loan would not affect our debt-to-income ratio and would not interfere with refinancing our home. We were also not clearly informed that the loan could involve a UCC-1 filing or lien impacting our property. 

We are now attempting to refinance our home and have learned that this information was false. The loan does affect DTI and may require payoff or lien release, which directly contradicts what was represented at the time of sale. 

Had we been properly informed of the true financial and refinancing impact, we would not have agreed to this loan. 

At the time of sale, we were explicitly promised 24-hour solar system monitoring and proactive notification of any equipment failures. This promise was a material factor in our decision to proceed with the solar installation and financing. 

Within days of installation, two micro-inverters failed. Despite the promise of continuous monitoring, we received no alerts, notifications, or outreach from the installer, lender, or monitoring provider regarding the system failures. 

After approximately 13 months, only one micro-inverter was repaired, while the second remained non-functional. The remaining failed micro-inverter was not repaired until approximately 29 months after installation, and at that time we were required to install the replacement ourselves, despite this being a warranted system issue. 

Throughout this entire period, no monitoring alerts were ever provided, and no proactive communication occurred regarding the system not operating as promised. As a result, we paid on the solar loan for approximately 42 months while the system was not fully operational, without disclosure, notification, or corrective action. 

The failure to provide promised monitoring, delayed repairs, and lack of disclosure regarding system performance represent misrepresentation and a failure to deliver contracted services, resulting in ongoing financial harm. 

We are requesting a resolution that allows refinancing without penalty, including payoff relief, lien/UCC release XXXX or other reasonable remedy due to misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: PA

Complaint narrative:
Company name : XXXX XXXX and Jefferson Capital Systems Product type : Debt collection / Credit reporting / Telecommunications billing What happened I am submitting this complaint regarding XXXX XXXX and Jefferson Capital Systems concerning an alleged XXXX account that Jefferson Capital Systems is attempting to collect. 

Jefferson Capital Systems is reporting and/or attempting to collect a XXXX XXXX debt that I dispute. I have requested information and clarification regarding this account, but the company has failed to provide adequate validation or accurate documentation proving that I owe the alleged debt and that the amount being reported is correct. 

Despite this dispute, the account continues to be reported and/or collected in a manner that is inaccurate and harmful. 

What I believe the company did wrong Attempted to collect a debt without providing proper validation Reported inaccurate or unverified information to consumer reporting agencies Failed to correct or investigate disputed information Continued collection and/or reporting activity on a disputed account These actions may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

What I want the company to do I am requesting that XXXX XXXX and Jefferson Capital Systems : Provide full and proper validation of the alleged debt, including the original contract, itemized billing, and proof of ownership Correct or remove any inaccurate credit reporting related to this account Cease collection activity until the dispute is fully investigated and resolved Provide written confirmation of the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: Tilt Finance, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, Tilt XXXX debited my bank account for {$33.00} for a loan draw repayment. This debit was expected and authorized. On XX/XX/XXXX, Tilt XXXX debited my account again for the exact same amount ( {$33.00} ) without authorization. This second debit appears to be a duplicate charge. 

Tilts app did not show the payment under scheduled or upcoming payments prior to processing. Attempts to click the notification in the app returned an error ( Something went wrong. Provided loan key is not linked to the provided loan payment key. ), so I had no ability to review, modify, or cancel the payment before it was withdrawn. 

I attempted to resolve this directly with Tilt. I sent multiple emails between XX/XX/XXXX and XX/XX/XXXX within the same support thread requesting clarification, refund, or billing review. Tilt has not responded beyond their initial reply on XX/XX/XXXX, despite multiple documented follow-ups. 

Dates involved : XX/XX/XXXX First {$33.00} debit ( authorized ) XX/XX/XXXX App shows payment succeeded notification XX/XX/XXXX Second {$33.00} debit ( duplicate / unauthorized ) XXXX Multiple unresolved support follow-ups to merchant XX/XX/XXXX Merchant still non-responsive Attempts to resolve : I contacted Tilt support three times by email through the same thread. I provided the dates of both debits and details of the app errors. Tilt acknowledged receipt once but has not responded to subsequent messages for multiple days. 

What I am requesting : I am requesting that the CFPB require Tilt XXXX  to : 1. Refund the duplicate {$33.00} debit dated XX/XX/XXXX 2. Confirm whether their app failed to display or allow management of scheduled payments 3. Correct their system to ensure scheduled payments are visible and actionable prior to debit Why I am filing : Tilt XXXX has not responded to multiple reasonable attempts to resolve the duplicate debit directly, and their app did not provide adequate visibility or cancellation options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX  and Midland Credit Management for noncompliance with the Fair Credit Reporting Act. During a prior CFPB complaint, XXXX  stated that Midland Credit Management verified the account but also modified the Date of Major Delinquency and Date First Reported instead of providing validation. These changes were made during an active dispute. Altering delinquency dates during a dispute raises serious concerns of improper re-aging and demonstrates that the information previously reported was inaccurate or incomplete. 
Neither XXXX  nor Midland Credit Management has provided documentation showing : A signed agreement Proof of legal ownership of the debt A complete payment history. The original date of first delinquency. Verifying an account while simultaneously modifying core delinquency fields does not constitute a reasonable investigation under FCRA 611 and violates FCRA 623. 
I am requesting that XXXX  and Midland Credit Management delete this account immediately or provide full documentation proving the accuracy and legal reporting of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting related to a collection account reported by Jefferson Capital Systems and listed on my Experian credit report.

The account is reported as a collection from Jefferson Capital Systems, with XXXX listed as the original creditor, in the amount of {$6000.00}, beginning XX/XX/year>. 

I disputed this account with XXXX  because the accuracy, ownership, balance, and legal authority to report the debt have not been properly verified. Despite this, XXXX  marked the account as verified without providing documentation demonstrating a reasonable investigation or proof of accuracy. 
Jefferson Capital Systems has also failed to provide proper debt validation, including proof of assignment from XXXX, a signed contract, or a complete itemization of the alleged balance. 

This conduct violates the Fair Credit Reporting Act, including the requirements to maintain maximum possible accuracy and to conduct a reasonable reinvestigation, as well as the Fair Debt Collection Practices Act regarding debt validation. 

I am requesting that this collection account be deleted from my credit report and that both companies correct their records to ensure accurate reporting going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
hello, so my name is XXXX and I got logged out of my Chime account in XXXX when I got locked out I was never able to log back in every time I tried to log back in with my email and my correct password it kept telling me try again. Try again try again so I gave up and just now in XXXX. I called Chime to see if they can help me log back in and they did help me log back in on XX/XX/XXXX Saturday so when I logged in, Ive seen that there was a lot of transactions being made up until now and I took action and I reported the transactions because it was not me I was not able to log into my chime account or get back into my chime account so they said they can start a dispute process and to send documents of proof and I did send documents of proof and its this is todays the second time that my dispute has been denied the agent that I was on the phone with with Chime hung up the phone with me because I said that I feel like this has something to do with race and that if it was a different race than this problem wouldve been took seriously because Im a XXXX young female and I have nothing to lie about when it comes to scamming. I told them that they can look me up. They can see my information to see that Ive never been to jail. Ive never been involved in scamming or fraudulent activity, but they will not help me and they do not believe me. Ive been trying with them three times and for a couple days no one is helping me and they keep denying my dispute and theyre saying theyre investigating but as their investigating they keep denying my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I put XXXX down on this car, on XXXX loan. I believe this debt to have been paid in full by now the last letter i received was over XXXX months ago with no amount due. 
The interest rate and amounts paid, plus the " warranty '' i was REQUIRED to purchase that did not cover any of the vehicle due to its mileage at the time of sale can not be legal. Portions of the contract left out during sale and sign. 
No communication during hardship, lost employment due to repossession. Excessive fees and interest. Failure to notify of my rights.

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 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
Buffalo Lending had been sending email to my personal email account ( XXXX ) to confirm the loan multiple times on XXXX consecutive days ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) I found it ambiguous. I check out the loan and called the number, the representative answered the phone and asked me for my personal information like name, XXXX, XXXX, work place, income... etc. I refused to provide them. I asked when did I apply for the loan because the phone number on the application and the bank account were not mine. Then the representative asked me to update my new banking information and other stuff, I refused then that person finally said the company denied my loan and then he hung up the phone. I wonder where they get my information and trying to set me up for a trap. My personal information was leaking. If I provided them with all of my personal information, what will they use it for? Will they sell it out or set me up for a loan with XXXX % interest rate? And I never get an answer how I received an email regarding the loan application with all the inaccurate personal information. I want to file complaint again this company for scamming me and stealing my personal information.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I made an online purchase with Citi bank mastercard. Then I received an email and text that the purchase could not be processed due to information entry error related to card number, expiration date or address. So I placed another order. Then Citi bank approved the original sale with the imformation unchanged. Citi bank is not taking any responsibility for their error

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 2026-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH Mortgage engaged in improper loss-mitigation practices and inaccurate credit reporting. 
During a forbearance period, PHH reported my account to consumer reporting agencies as Payment Deferred, while simultaneously denying me a deferral and informing me that a loan modification was my only option. 
The company reported overlapping and contradictory statuses including forbearance, payment deferred, loan modification, and delinquency for the same time periods. 
As a result, I was steered into a long-term modification ( XXXXyear term ) that increased my loan cost, damaged my credit, and deprived me of the least intrusive remedy that should have been offered first. 
I am requesting : Formal re-evaluation of the loss-mitigation outcome Application of the appropriate payment deferral Correction of all inaccurate credit reporting Compensation for financial harm and credit damage caused by improper servicing Desired Resolution : Re-evaluation and correction Credit repair Financial remediation DAMAGES CALCULATION A. Loan Cost Damage Term extension : XXXX  years vs original term Added interest over life of loan : XXXX XXXX XXXX ( you dont need exact math yet ) Capitalized arrears that should have been deferred Claim : Increased loan cost due to improper modification B. Credit Damage XXXX late reporting during protected periods Score suppression Denial or impairment of refinance options Claim : Inaccurate credit reporting under FCRA C. Emotional & Administrative Harm Stress during disaster hardship Time spent correcting errors Uncertainty caused by contradictory reporting Claim : Compensable consumer harm

Company response to consumer: Closed with explanation