vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA COLLECTION XXXX XXXX Status : Collection account, {$1900.00} past due as of XX/XX/year>. XXXX XXXX XXXX Status : Collection account, {$730.00} past due as of XX/XX/year>. XXXX XXXX XXXX Status : Account charged off, {$610.00} written off, {$610.00} past due as of XX/XX/year>. XXXX XXXX XXXX XXXX Status : Collection account, {$590.00} past due as of XX/XX/year>. XXXX XXXX XXXX Status : Closed, {$590.00} written off as of XXXX When I discovered negative and potentially inaccurate information on my credit report, I promptly reached out to each reporting agency involved. I submitted formal disputes directly to the creditors and collection agencies through their dispute resolution processes, providing all necessary documentation to support my claims. I also contacted the credit bureaus to initiate investigations into these disputed items. Despite these efforts, the negative information has not been corrected or removed, and it continues to harm my credit standing. I have kept detailed records of all communications, but the agencies have not resolved the inaccuracies in a timely or satisfactory manner.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
Well I havent been able to setup the payment plan due to Im now t working at the moment due to having my XXXX. So yesterday XX/XX/year> I spoke with a lady named XXXX XXXX from I guess some kind of law firm for debt collection and she was very helpful at first to help me do my payoff settlement, but I told her that I needed to deposit the {$50.00} into my account to do the down payment for the settlement offer of the {$510.00} and some change. So she said call her back once I do that because she cant start the process until that down payment is paid ; so I called her back and we was trying to get the process started by send the paperwork to my email that I already had given her. So for some reason I wasnt receiving it and Im telling her nothing has come through and she just started going off on me talking really disrespectful and saying it not my fault you gave me the wrong email and I said my email back to her and she proceeded to call me a lie and thats not the email you gave me and refresh your email and I said I done it and I still havent received anything and she said well I cant help you and Im going to close your settlement. But she just kept badgering me ; my husband heard everything because I had her on speaker the whole time. I said the call should have been on a recorded line to hear how your talking to me and she continued to talk rude to me and hung up the phone ; I called back and asked her why shes treating me like this and she said I cant help you because you gave me the wrong email and I said no I didnt then proceeded to ask her to send me to someone else to help me she said theres no one else and I hung up, the she called me back and said theres settlement offer was on a recorded line and hung up on my face again. This lady representative was very mean and nasty and I told her she needs to pray for the way she treated me and all of this was played on speaker phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX added XXXX XXXX Protect Plus contract XXXX for $ " XXXX to my Chase Auto Finance loan ending XXXX, stating it was " mandatory because that's how we sell cars here. '' This was fraud. XXXX contract states : " Purchase of this Protection Plan is NOT REQUIRED to purchase, lease, or obtain financing for the Vehicle and acceptance is VOLUNTARY. '' Federal Buyers Guide also states service contract is " available for an extra charge '' - meaning optional under FTC Used Car Rule 16 C.F.R. 455. XXXX contract clause 4.2 states : " Cancellation can only occur for ... fraud as determined by Us. '' Dealer 's material misrepresentation that voluntary product was mandatory constitutes fraud. On XX/XX/year> I emailed XXXX demanding full refund citing fraud clause. No response. This violates Magnuson-Moss Warranty Act 15 USC 2308. VIN : XXXX Dealer : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX Amount : {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
A few years ago I opened a Truist checking account. I wasnt able to get funds into the account before it was closed. I have been trying to reopen the account and keep getting declined. I do not owe Truist any money and never had a chance to use the account. I want to open a checking and savings account at Truist because my mom banks there and it would be very convenient. Im very disappointed with Truist and want to reopen an account with them. I would like the company to allow me to reopen 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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
My daughter XXXX XXXX used to received her payroll deposit on this account t since they paid early. Last time she got paid the account was restricted or closed. Reach out over and over provided proof of identity. It was never enough for these greedy people. They eventually said that we were entitled to the funds. If we are not then who is? Reach out to the employer child and family focus it was too late to pull the funds back its been 3 years since this scamming company been holding on to other peoples money especially my families money. I need them to refund us our money either send a check to our XXXX XXXX home or give us access to the 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Subject : Request for Debt Validation Dear To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced to derogatory remark on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request verification of the debt before making any payment. Please provide the following information : 1.The amount of the alleged debt, including an itemized statement of any interest, fees, or charges. 2.The name of the original creditor and a copy of the original contract or agreement creating this debt. 3.Proof that you are legally authorized to collect this debt. Any judgment details if applicable. I request that all collection activities cease until you provide the requested validation. Additionally, please provide all communications in writing. Thank you for your attention to this matter. I look forward to receiving the requested information within the timeframe allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding unauthorized loans reported under my Affirm account. I originally opened an Affirm account in XXXX and successfully paid off my previous loans. However, in XXXX, XXXX new loans were opened that I did not authorize. These unauthorized loans have resulted in a balance of approximately {$1300.00} being reported under my name. Although I did not authorize these loans, I made payments toward them temporarily because I was trying to avoid damage to my credit while attempting to resolve the issue. Unfortunately, I can no longer afford to continue making payments on debt that I did not authorize. I have already submitted a dispute through XXXX regarding these accounts. I also attempted to report the issue directly to Affirm, but I experienced difficulties with their reporting system and was unable to properly submit my dispute. I am requesting a full investigation into these unauthorized loans and that any inaccurate information related to them be removed from my credit report if Affirm can not provide documentation proving that I personally authorized these transactions. I also have no emails from affirm asking to verify any purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX comed sent me an electric bill for XXXX XXXX XXXXXXXX XXXX- {$250.00} was added to my bill ( not my home, not my property, not my legal responsibility ). Have Never lived there nor have I ever owned it. This was my uncles home = XXXX XXXX probate court handled his estate after his death in XXXX. Tried to take care of this with XXXX XXXX - told them everything thought it was finished = no! Years later here we are. XXXX turned it over to ics systems collections ( date unk ) who put it on my credit report on XXXX ( is how I just found out about it ). XXXX XXXX meanwhile was harassing my family members to get this payment - members who thought they were scammers. I've had the same phone # for over 10 years.?? I tried to talk to XXXX XXXX - nothing, I tried to talk to XXXX- got nowhere ... all they want is the . NOT MY PROPERTY NOT MY BILL. I filed disputes with the 3 credit bureaus - XXXX never responded, XXXX never responded and XXXX sent me 17 pages of random detail along with my credit report with a systement that its my bill. No!!!! All three were asked to provide itemized detail what they want {$250.00} for. Not XXXX XXXX XXXX nor XXXX provided detail. All they want is the . The few records that i still have from XXXX do not match the amount they're seeking. I have never been legally responsible for the XXXX property. Nor have I ever lived there nor used the electricity there for my purposes. Then my credit report has phone # 's for me I do not recognize along with me living at an XXXX, Il address. I have never been to XXXX let alone live there.?? Last agent I spoke with from XXXX XXXX said they couldn't help me because all of the sudden now they could not verify me over the phone.?? I want the XXXX address removed immediately from my credit report- have never lived there and do not know who does. The XXXX phone # ( have had for decades ) and the XXXX number ( no longer have a landline ) ... belong and belonged to me the others I have no idea where they came from. And they should be removed immediately. And the {$250.00} so called debt should be removed off of my credit report immediately- it is not my debt. The probate court should have paid that.??

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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ava Finance, Inc
State: IN

Complaint narrative:
I opened a secured credit-builder installment loan with Ava and successfully made payments for approximately XXXX years. My account reflects a strong payment history, with only XXXX final payment remaining before completion of the loan and release of my secured funds. Near the end of the loan term, Ava disconnected the bank account that had been used for payments. Following this disconnection, I was unable to make the final payment through the Ava app. The app displayed messages indicating that my account connection needed to be restored and that payment functionality was unavailable. After discovering the issue, I immediately attempted to resolve it. I re-linked my bank account as instructed by Ava and made multiple attempts to complete the final payment. Despite following their instructions, the app continued to prevent me from making the payment. The account showed a remaining balance but did not provide a working method to bring the account current and complete the loan. I contacted Ava customer support multiple times and explained that I was actively trying to make the final payment. I provided screenshots and documentation showing the payment issue and the inability to complete the transaction. Ava acknowledged the situation and instructed me to reconnect my bank account, which I did. However, even after reconnecting my account, I remained unable to make the payment. As a result, I have been prevented from completing the loan, accessing my secured funds, and closing the account. Ava has also reported a late payment despite the fact that I was attempting to make payment and was unable to do so because of the payment access issues described above. I am not refusing to pay the remaining balance. I have repeatedly attempted to pay and have requested assistance in completing the final payment. My concern is that Ava 's system has prevented me from curing the balance while continuing to hold my secured funds and maintain a negative payment status. I am requesting that Ava : 1. Provide a functioning method to complete the final payment. 2. Release my secured funds immediately after the loan is satisfied. 3. Correct or review any negative reporting associated with the period during which I was unable to make payment due to the account connection and payment access issues. 4. Allow me to close the account after the loan is completed and funds are released. I have retained screenshots, account records, and email communications documenting my repeated attempts to resolve this matter directly with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. After reviewing my consumer reports across all three bureaus, I have identified inaccurate, incomplete, and/or unverifiable information requiring immediate reinvestigation. ITEMS IN DISPUTE ( NEGATIVE ACCOUNTS ) The following accounts are reporting inaccurate or unverifiable collection/derogatory information : XXXX XXXXXXXX ( ending XXXX / related tradelines ) XXXX XXXX XXXX ( multiple accounts ending XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX / variations ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( various endings including XXXX, XXXX ) XXXXXXXX XXXX XXXX ( multiple reporting variations ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX / XXXX XXXX ( XXXX / XXXX variations ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX duplicate or re-aged collection entries across bureaus All listed accounts are disputed for : inaccurate balance reporting unverifiable ownership incomplete payment history potential duplicate reporting lack of competent source documentation INQUIRIES IN DISPUTE The following inquiries are unauthorized, inaccurate, or unverifiable : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX third-party inquiry sources ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX inquiry entries XXXX inquiries ( various dates ) XXXX XXXX / XXXX XXXX inquiry entries PERSONAL INFORMATION ERRORS The following personal identifiers are inaccurate, outdated, or inconsistently reported : Name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variations Other mismatched name spellings across bureaus Addresses : XXXX XXXX XXXX in XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Other outdated or unverifiable addresses Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), 1681i, and 1681c-2. After reviewing my consumer reports across all three bureaus, I have identified inaccurate, incomplete, and/or unverifiable information requiring immediate reinvestigation. ITEMS IN DISPUTE ( NEGATIVE ACCOUNTS ) The following accounts are reporting inaccurate or unverifiable collection/derogatory information : XXXX XXXXXXXX ( ending XXXX / related tradelines ) XXXX XXXX XXXX ( multiple accounts ending XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX / variations ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( various endings including XXXX, XXXX ) XXXXXXXX XXXX XXXX ( multiple reporting variations ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX / XXXX XXXX ( XXXX / XXXX variations ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX duplicate or re-aged collection entries across bureaus All listed accounts are disputed for : inaccurate balance reporting unverifiable ownership incomplete payment history potential duplicate reporting lack of competent source documentation INQUIRIES IN DISPUTE The following inquiries are unauthorized, inaccurate, or unverifiable : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX third-party inquiry sources ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX inquiry entries XXXX inquiries ( various dates ) XXXX XXXX / XXXX XXXX inquiry entries PERSONAL INFORMATION ERRORS The following personal identifiers are inaccurate, outdated, or inconsistently reported : Name variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX variations Other mismatched name spellings across bureaus Addresses : XXXX XXXX XXXX in XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX Other outdated or unverifiable addresses Employers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: FL

Complaint narrative:
XX/XX/year> OMEGA RMS [ ] Re : Account Number : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, specifical ly 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for communications to cease, the debt collector must stop further communication except as permitted by law. Please be advised that : I request all telephone calls cease immediately. I request no further emails, text messages, or mailed collection notices regarding this account. Any future communication should only be for purposes expressly allowed under federal law. This letter is not an acknowledgment of liability for this debt, nor is it permission to report inaccurate information to any consumer reporting agency. i would like this account Deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I am filing a complaint regarding an unresolved vehicle refinance and payoff issue involving Mazda Financial Services that has now lasted over two months. In XX/XX/year>, I refinanced my vehicle loan through XXXX XXXX XXXX XXXX. XXXX XXXX issued a payoff check to Mazda Financial Services in the amount of approximately {$37000.00}. I mistakenly endorsed the check incorrectly. Despite the improper endorsement, Mazda Financial Services accepted, deposited, and processed the check instead of rejecting and returning it. Mazda has since admitted in writing that the check was improperly endorsed. Under standard banking procedures, a check with an improper or missing endorsement should not be negotiated. In many cases, an improper endorsement carries the same legal effect as a forged endorsement because the instrument was not properly authorized for negotiation. Because Mazda negotiated the original payoff check, XXXX XXXX XXXX XXXX has been unable to properly process, apply, or track the refinance transaction. The original payoff instrument was removed from XXXX XXXX system once Mazda cashed it. Mazda then attempted to issue separate reimbursement checks from its own account, but XXXX XXXX can not simply substitute those checks into the refinance transaction because the original payoff check has already been negotiated. Mazda stated that it mailed a reimbursement check to XXXX XXXX on XX/XX/year>, but later stated that XXXX XXXX never received it. Mazda has now stated it will issue another reimbursement check. However, this still does not resolve the underlying issue involving the improperly negotiated original payoff check. Over the course of this issue, there have been numerous phone calls involving both Mazda Financial Services and XXXX XXXX XXXX XXXX. I was repeatedly told the matter would be resolved, but no complete resolution has occurred. During this time, I have effectively continued making payments connected to the same vehicle through both institutions while the refinance remains unresolved.

Company response to consumer: Closed with explanation