vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding a debt account originally with GM Financial, which was placed with XXXX XXXX XXXX for collection. The account was under the name XXXX XXXX XXXX my previous name prior to marriage ; my current legal name is XXXX XXXX ). The account had an original balance of {$4400.00} and was closed on XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$2500.00} after being informed by XXXX XXXX XXXX that they were acting on behalf of GM Financial and that this reduced payment would result in the account being removed from my credit report. Based on this representation, I agreed to and made the payment in good faith. However, after making the payment, I discovered that the account remains on my credit report and continues to negatively impact my credit. When I followed up with XXXX XXXX XXXX, I was informed that they do not report to the credit bureaus and that all reporting decisions are made by GM Financial. They also stated that the information they provided to me was based on what GM Financial authorized. This indicates that I relied on a representation made by an agent acting on behalf of GM Financial when making a substantial payment decision. However, the expected outcome of that agreement has not been honored. I contacted GM Financial directly to escalate this issue and requested to speak with a supervisor. I was informed that I would receive a return call within XXXX hour ; however, I did not receive any follow-up. I was not provided with any written documentation outlining the terms of the agreement, and the verbal terms communicated to me have not been fulfilled. As a result, I believe I was misled into making a significant payment based on inaccurate or incomplete information, which continues to cause harm to my credit profile. I respectfully request that GM Financial honor the terms that were communicated through their agent at the time of payment and remove this account from all credit reporting agencies. At minimum, I request that the account be updated to reflect paid in full and that any negative collection status be removed. Additionally, I request that GM Financial review any internal records, communications, or authorizations provided to XXXX XXXX XXXX regarding settlement offers associated with my account. Thank you for your time and attention to this matter. I look forward to a prompt resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Affirm Inc . This account was included in my bankruptcy and legally XXXX. However, despite the discharge, Affirm continues to report ongoing delinquency, including late payments ( XXXX days ) and charge-off activity after the discharge date. This reporting is incorrect and misleading. Once a debt is XXXX in bankruptcy, it should not continue to reflect new missed payments or ongoing negative activity. The account should instead be reported as Included in Bankruptcy with a {$0.00} balance and no further delinquency. As currently reported, this account is being treated as if it is still active and in default, which is negatively impacting my credit profile and misrepresenting my financial obligations. I have attempted to address this issue, but the inaccurate reporting has not been corrected. I am requesting that Affirm Inc. : Update the account status to Included in Bankruptcy Reflect a {$0.00} balance Remove any late payments or charge-off activity reported after the bankruptcy discharge date This matter requires immediate correction to ensure accurate and fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against XX/XX/XXXX regarding its refusal to refund XXXX unauthorized and fraudulent charges made through my account. I am also submitting this complaint to the Federal Trade Commission and the Consumer Financial Protection Bureau for further review and investigation. On XX/XX/XXXX and XX/XX/year>, XXXX fraudulent transactions totaling * * {$240.00} * * were processed through my XX/XX/XXXX account for XXXX rides allegedly occurring in XXXX, XXXX XXXX, and XXXX. I did not authorize these transactions, nor was I present in either location at the time the charges were made. The unauthorized transactions are as follows : * XX/XX/year> {$83.00} Transaction ID : XXXXXX/XX/XXXX XX/XX/year> {$36.00} Transaction ID : XXXXXX/XX/XXXX XX/XX/year> {$34.00} Transaction ID : XXXXXX/XX/XXXXXX/XX/year> {$3.00} Transaction ID : XXXXXX/XX/XXXXXX/XX/year> {$45.00} Transaction ID : XXXXXX/XX/XXXXXX/XX/year> {$21.00} Transaction ID : XXXXXX/XX/XXXXXX/XX/year> {$21.00} Transaction ID : XXXX Upon discovering these charges, I promptly reported the issue to XX/XX/XXXXand requested a full investigation and refund. Despite disputing the transactions in a timely manner and providing all necessary information,XX/XX/XXXX has refused to issue a refund. Additionally, myXX/XX/XXXX account has been * * suspended since XX/XX/year> * *, further limiting my ability to access my funds and resolve this matter. This situation raises serious concerns regarding XXXX fraud prevention measures, dispute resolution process, and compliance with consumer protection laws. As a consumer, I have a reasonable expectation that unauthorized transactions will be properly investigated and resolved in accordance with federal regulations. I respectfully request the following : XXXX. A thorough and impartial investigation into these fraudulent transactions. XXXX. A full refund of {$240.00} for all XXXX unauthorized charges. XXXX. Immediate review and reinstatement of my account, or clear justification for its suspension. XXXX. A review of XXXX policies and procedures to ensure compliance with applicable consumer protection laws. I am prepared to provide any additional documentation or information necessary to support my claim. I appreciate your prompt attention to this matter and expect a timely resolution. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Global Lending Services is acting as predatory lender by retaliating through unfair credit reporting after loan maturity date after I complained about owing over XXXX XXXXXXXX mostly in fees. XXXX day late payment was reported to experian at end of XXXX despite being current on the previous month - attached in uploaded documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
FORMAL COMPLAINT : SYSTEMIC SERVICING FRAUD & VIOLATION OF BANKRUPTCY AUTOMATIC STAY Account Number : [ XXXX ] Filing Date : XX/XX/XXXX I am filing this complaint to initiate a federal investigation into Digital Federal Credit Unions ( DCU ) predatory accounting practices and their failure to manage an auto loan ledger in compliance with Federal Bankruptcy Law. Evidence of Forensic Accounting Fraud : Artificial Delinquency : Prior to my XX/XX/XXXX bankruptcy filing, I was granted multiple " Financial Hardship Deferrals. '' Per DCUs internal policy and verbal agreements with Case Manager XXXX XXXX, these XX/XX/XXXX months of payments were to be moved to the maturity end of the loan. DCU failed to map these correctly, maintaining a " Phantom Delinquency '' of {$10000.00}. Post-Petition Principal Freeze : Since my bankruptcy filing in XX/XX/XXXX, the loan principal has remained " frozen '' at {$21000.00}. Despite XXXX documented voluntary payments totaling {$4300.00}, DCU has applied {$0.00} to the principal balance. Illegal Interest Skimming : DCU is treating the loan as " Defaulted '' to misapply 100 % of my post-petition payments to interest and fees generated by their own failure to process the deferrals. Between XX/XX/XXXX and XX/XX/XXXX alone, I paid {$1800.00}, and the principal did not move by XXXX cent. This is a blatant " Interest Trap '' designed to strip equity from a bankruptcy debtor. Servicing Vacuum : Following a merger with First Tech FCU and the departure of my case manager, DCU has ignored XX/XX/XXXX days of inquiries from my legal counsel, effectively " locking '' me into an illegal interest-only payment cycle.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX continues to report my personal loan as past due for XX/XX/year>2026, even though Bank XXXX XXXX investigated the duplicate retry payment, determined it was erroneous, and credited the full amount back to my account after a formal claim review. Key facts : On XX/XX/scrub> 2026, XXXX XXXX processed a payment of {$1100.00} ( XXXX : PAYMENT, XXXX ). On XX/XX/year>2026, XXXX XXXX processed a second identical payment labeled RETRY PYMT for the same amount and same transaction ID, which caused an overdraft in my Bank XXXX XXXX account. My XX/XX/scrub> 2026 Bank XXXX XXXX statement confirms both debits with the exact descriptions and amounts shown above. I filed a claim with Bank XXXX XXXX. On XX/XX/scrub> 2026, the bank completed its investigation ( Claim XXXX XXXX ) and credited my account the full {$1100.00} plus any related overdraft fees and interest. This credit adjustment is clearly recorded on my XX/XX/year>2026 bank statement. XXXX XXXX own email dated XX/XX/scrub>, 2026 ( Request XXXX XXXXXXXX ) acknowledges that the XXXX payment was disputed with my bank and reversed on their end. On or about XX/XX/scrub> 2026, XXXX XXXX contacted my place of employment. During that call I explained that I want the matter resolved so I can pay off the loan in full. The representative acknowledged my frustration and the reversal but stated that the account remains past due. XXXX XXXX retry policy does not override Bank XXXX XXXX independent determination that the XXXX debit was erroneous. The XXXX payment obligation was satisfied, and the account should reflect XXXX as current/paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
When I purchased my home in XX/XX/XXXX, I was at a XXXX rating of 50 % which, in the state of Illinois, gets me a tax credit. As of XX/XX/XXXX, my XXXX rating went up to 80 % which gives me property tax exemption. I have sent in the requested documents to Freedom Mortgage showing proof of my XXXX and today, when I spoke to someone in the tax department, they claimed to have never received them although when I originally sent them, they told me that they did receive them. I have had people hang up on me when I have requested explanations and never get adequate answers. Basically, I have been in my home for over a year and have never received any tax credits that I should be getting. So now, I should be getting some type of credit for this and need to insure that this will happen and I am feeling like they are avoiding me at this point. Today, XX/XX/XXXX, I called again and spoke with XXXX in the tax department and she has requested documents once again. A heck of a way to be treating a XXXX veteran. Thank you for your time and assistance on this. 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 explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year>2026, PayPal issued a formal refund offer for Case XXXX in the amount of {$600.00}. The offer was contingent upon me returning the item to the merchant, XXXX XXXX XXXX XXXX XXXX XXXX, at the address provided by PayPal : XXXX XXXX XXXX, XXXX, FL XXXX. I complied with all instructions immediately. I shipped the item via XXXX Ground Advantage on XX/XX/scrub> 2026 ( Tracking : XXXX ). The package was confirmed as Delivered to the merchant 's mailbox/front door in XXXX, FL XXXX XXXX XX/XX/scrub>, 2026. Despite this clear proof of delivery, PayPal has repeatedly denied my claim and closed the case, citing " invalid tracking. '' I have attempted to appeal this decision twice, providing photographic evidence of the shipping label ( which matches PayPal 's instructions exactly ) and the carrier 's delivery confirmation. PayPals automated system continues to reject this valid tracking, and support representatives have refused to escalate the matter to a supervisor for a manual review of the physical evidence. As it stands, the merchant is in possession of both my returned merchandise and my funds ( {$600.00} ). PayPal is in breach of its Purchase Protection agreement by failing to recognize a verified delivery to the authorized return address. I am requesting a manual override of the automated " invalid tracking '' error and an immediate refund of my {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Great Lakes Entities
State: OH

Complaint narrative:
I am filing this complaint regarding what I believe to be a fraudulent debt collection scheme involving a company identifying itself as Great Lakes Entities and claiming to collect a debt for XXXX XXXX XXXX I was contacted and told that if I did not immediately set up a payment arrangement, I could face XXXX of dollars in additional charges and potential consequences. Due to these threats and the pressure placed on me, I agreed to a payment plan. I made payments through XXXX XXXX totaling {$1400.00}. This included an initial {$100.00} payment followed by biweekly payments of {$230.00} beginning in XX/XX/XXXX and ending XX/XX/XXXX. I was told that once the balance was paid, the account would be reported to the credit bureaus. In XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX, the company currently handling the XXXX XXXX XXXX account. They informed me that the balance owed was only {$820.00} and stated they do not recognize or work with Great Lakes Entities. When I attempted to contact Great Lakes Entities regarding the payments, a woman named XXXX called me from an unknown number and claimed the account had been paid in full. She advised me to ignore any other companies attempting to collect and asked for the phone number of XXXX XXXX XXXX so she could contact them directly. However, XXXX XXXX XXXX later confirmed that they never received any communication from her. I attempted to dispute the transactions with XXXX XXXX, but they stated they could not refund the payments because more than 60 days had passed. I have since received calls from another company named XXXX and XXXX, but they were Great Lakes Entities, which are both scam companies. There is still no record on my credit report showing that the debt has been paid, and the original creditor does not recognize Great Lakes Entities. I am requesting a full investigation into these companies and assistance in recovering the {$1400.00} that was paid under pretenses. The Company I am reporting for : Great Lakes Entities XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, NY XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

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