vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I used the Abound app ( operated by Times Club / TClub Inc. ) to transfer {$1000.00} USD to my own bank account in XXXX. The app shows the transfer as Delivered on XXXX XXXX XXXX, but the funds have not been credited to my XXXX bank account. Despite multiple emails to Abound support, I have received only generic responses such as we are checking, with no actual investigation updates, no timeline, and no resolution. They have not provided any required regulatory documentation such as : - UTR number ( XXXX transaction reference ) - XXXX - Proof of credit to the receiving bank - Name of the XXXX payout partner Without these, I can not verify where my money is, and Abound has not demonstrated that the funds were ever sent to or received by the XXXX banking system. Transaction details ( from Abound app ) : - Transaction ID : XXXX - Transfer date : XXXX XXXX XXXX - Amount sent : {$1000.00} USD - Transfer fee : {$1.00} - Total charged : {$1000.00} - Exchange rate : XXXX per USD - Amount expected in XXXX : XXXX - Recipient name : XXXX XXXX XXXX - Recipient account ending : XXXX - Delivery method : Account Transfer - Status shown in app : Delivered on XXXX XXXX XXXX - Actual status : Funds not received in my XXXX bank account Abounds failure to provide proof of delivery or resolve the issue violates the Remittance Transfer Rule, including requirements for : - Timely error resolution - Providing accurate transaction status - Providing documentation of the transfer - Ensuring funds reach the designated recipient I am requesting CFPB assistance to require Abound / Times Club to : 1. Provide the UTR, XXXX, and proof that the funds were actually delivered to my XXXX bank, OR 2. Immediately refund the full transfer amount, and 3. Provide a clear explanation for the delay and lack of proper support. This unresolved transfer has caused financial stress and inconvenience, and the company has not taken appropriate steps to resolve the issue. Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am reporting Credit Acceptance Corporation for abusive and bad-faith collection practices. I have provided the lender with a {$730.00} certified diagnostic report proving the vehicle engine is failing. Despite the imminent loss of value to the collateral, the lender 's staff hung up on me when I attempted to discuss a hardship settlement. Under the Texas Deceptive Trade Practices Act ( DTPA ), I am asserting a claim regarding the merchantability of this asset. The lender is ignoring a form {$3700.00} settlement offer ( far exceeding their likely recovery at an auction ) and is instead engaging in " stonewalling '' tactics. I am requesting a formal review by their compliance department to avoid unnecessary litigation and a predatory repossession of dead asset.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX simultaneous {$480.00} transactions listed as ATM withdrawals were made from my savings account. Additionally on XXXX XXXX simultaneous {$500.00} transactions listed as ATM withdrawals were listed on my checking account. On XXXX XXXX simultaneous {$500.00} & 1 {$260.00} transactions listed as ATM withdrawals were made from my savings account. All transactions are listed as from the same ATM. I did not authorize any of these transactions. I was not present for these transactions, I was at work these days, I had my debit/atm/bank card on my person and it was never shared with anyone, nor was my PIN # shared with anyone. I never received any fraud alert notifications from Chase and I do not understand how any of the money was able to be withdrawn ( Stolen ) from my account. Chase will not even tell me the exact location of the ATM in question or how the money was able to be withdrawn from it. I only noticed the fraudulent transactions accidently when i was checking my account balance on my banking app on my phone. I have made multiple trips to my local Chase bank branch for assistance in resolving this issue on XXXX, XXXX, XXXX, and XXXX and spoken with Chase employees in person and over the telephone with the Chase Fraud department. On XXXX at the Chase Branch the representative asked me for my bank card and destroyed it in front of me while I watched because he said it was compromised. He also told me while I was sitting meeting with him that he was watching money be withdrawn from my account in real time. On XXXX I filed a Police Report with our local police department for further investigation into this crime. I have since been notified by Chase that my claims of fraud / claims for reimbursement have been denied because " the transactions were authorized ''. I do not know what that means, I did not authorize any of these transactions. On the telephone in layman 's terms the representative from the Chase fraud department said that the claims were denied because I had to be scamming them because it wouldn't be possible for someone to steal this money out of my account without my assistance- which is false and accusing me of being a thief and a liar! I just want my money back that Chase allowed someone else to steal without my permission due to a lack of security on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: WA

Complaint narrative:
Chime is violating federal law by claiming my account is delinquent despite a positive balance. My credit score has resulted in a XXXX point loss, as Chime has been reporting my account as delinquent in XXXX & XXXX of 2026. This constitutes reporting false information under the Fair Credit Reporting Act ( FCRA ), and unfair/deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ). I submitted credit disputes to all three credit bureaus on XX/XX/year>, resulting in no change or action. XXXX XXXX, and XXXX all state my Chime account status as currently open ; I called Chime on XX/XX/year> and they said my account has been closed since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: MN

Complaint narrative:
My charge off date with your company has surpassed XXXX. I respectfully request that my account be deleted from all pertinent credit reporting agencies permanently. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
The company had listed a debt on my credit report. I do not have a contract with this company or recognize the amount or where its from. I would like for them to remove this from my report immediately. They have failed to provide the original contract between me and them and they are not licensed to practice debt collection in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
I am submitting this complaint regarding my auto lease with Kia Finance America. Since XXXX, I have been attempting to obtain the necessary documentation related to the title of my leased vehicle so that I can transfer my vehicle registration to another state. Despite multiple calls to XXXX XXXX customer service, I have not been able to obtain the required documentation. Each time I contact the company, I am either transferred between departments, provided inconsistent information, or told that someone will follow up without any resolution. Most recently, a supervisor contacted me but claimed they could not hear me on the phone and disconnected the call before the matter could be addressed. This ongoing delay has prevented me from completing a legally required registration transfer in my new state. I have acquired and loss multiple insurances because my car is not registered in MA where it should be. I have made repeated good-faith efforts to resolve this issue directly with Kia Finance America XXXX but I have been unable to obtain the documentation needed. I am requesting that Kia Finance America promptly provide the appropriate title documentation or lienholder authorization required for me to transfer my vehicle registration to another state. I would appreciate your assistance in ensuring this matter is addressed as soon as possible.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NJ

Complaint narrative:
in XXXX I had to get a new furnace hot water heater and ac unit. I had work done and agreed to take out a loan from goodleap. my percent was XXXX XXXX which I thought was very high seeingg as my credit scorXXXX is about XXXX. I was told I wouldn't be billed until XX/XX/XXXX 2026. I agreed figuring I was going to pay it off on 1st payment with no prepayment penalty. in XXXX. I got a breakdown in the mail from goodleap and decided to pay it off. my balance was XXXX XXXX which I paid.thought I was done. then on XXXX 2026 I got a bill from them for XXXX. I called them to ask why and was told that interest was happening daily since XXXX, and this was what was owed.that info was never given to me at any time. I paid the balance they sent to me, if I knew I was being charge interest from XXXX I would have paid it off then and not XXXX. the purposes of paying it off was to avoid interest charges of 12.99 %. I just paid off the additional {$260.00}. today just to be done with them, but I think it was a very shady way of handling a loan. I don't know if they are right or not just saying very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
My insurance was supposed to pay most of this and its three different collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: VA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I hereby request copies of all assignment agreements of each insurance company that gave to you my personal information such as my social security number. If a legal assignment was not acquired, then your agency has no right to show any collection on my personal credit profile. Please expedite copies of these assignments, as well as a copy of your license agreement to do collections against citizens of the state of Minnesota. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover credit card put me in collection, pulled the debt out of collection changed the amount owed, never verified the debt, comingled two accounts to increase interest, sued me and is reporting negative information on my credit that is all incorrect. I settled their debt, I owe them nothing. I do not give permission for negative reporting on my credit and this is in violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
On XX/XX/2026, I initiated an international money transfer of {$1900.00} USD to a recipient in XXXX using the Abound app ( operated by Abound Inc. / TClub Inc., which utilizes partners such as XXXX XXXX XXXX and XXXX XXXX for remittance processing ). The app 's timeline indicates the funds were received by Abound on XX/XX/2026, sent to XXXX on XX/XX/2026, and officially marked as " Delivered '' on XX/XX/2026 ( Transaction ID : XXXX ). Despite the " Delivered '' status in their system, the recipient 's bank ( XXXX XXXX XXXX XXXXXXXX ) confirms no funds have been credited to the destination account. I have contacted Abound support requesting the UTR ( Unique Transaction Reference ) number, the remitting partner bank name, and official proof of payout so the receiving bank can trace the missing funds. Abound has failed to provide this critical tracing information. It has been over a month since the transfer was initiated, the funds are missing, and the company has not provided the mandatory reference number needed to verify delivery or locate the money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I reported multiple unauthorized transactions on my Best Buy Visa credit card. The fraudulent charges began around XX/XX/XXXX, and continued through early XX/XX/XXXX. The total amount of unauthorized charges is over {$3500.00} and includes multiple transactions across different merchants, including a {$2600.00} charge from XXXX XXXX. I immediately notified the bank once I became aware of the fraudulent activity and filed a despite for the unauthorized transactions. The bank denied my fraudulent claim and held me responsible for the charges. However, the documentation they provided during their investigation only addressed two small transactions and failed to investigate the majority of the fraudulent charges on my account. The documentation they provided does not prove that I authorize the transactions. One example shows that the purchase confirmation was sent to an email address that does not belong to me, and there is no signature or proof that I personally authorized or received the goods. Additionally, the pattern of transactions is consistent with stolen credit card activity. Majority of them were made in different towns and not even nearby my house. The charges began with small transactions and escalated to larger purchases. I did not authorize any of these transactions and was not in my possession of the card at the time. I believe the bank failed to conduct a reasonable investigation before denying my fraud claim.

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On or about XXXX XXXX, 2019, National Credit Systems Inc. began reporting an alleged rental collection account in the amount of approximately {$2500.00} ( currently reporting {$2300.00} ) related to XXXX XXXX XXXX. The account reflects a Date of First Delinquency of XX/XX/XXXX, and a last payment date of XX/XX/XXXX. I dispute the accuracy, completeness, and legal enforceability of this alleged debt. I submitted a written dispute and validation request to National Credit Systems Inc. pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), requesting competent evidence of the debt, including a copy of the signed lease agreement, a full itemized accounting ledger, and proof of assignment. I also disputed the account with XXXX and XXXX. Upon receiving notice of dispute from the consumer reporting agencies, National Credit Systems Inc. is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) to conduct a reasonable investigation before continuing to report the account. Despite my dispute, the account continues to be reported as unpaid without providing adequate documentation to substantiate the balance or enforceability of the alleged debt. The continued reporting of disputed information without proper validation raises concerns regarding compliance with federal law. I am requesting that this account be deleted from all consumer reporting agencies unless the company can provide complete and verifiable documentation establishing the validity and legal enforceability of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV sued me without serving me papers. the lawsuit was thrownout by the judge. They never verified their debt with me either. I do not know who they even are even after repeated attempts to get them to verify debt they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Comerica
State: LA

Complaint narrative:
My card was locked on XX/XX/XXXX i payed for my daughters birthday photoshoot after that i couldnt use the card i call they told me identity myself and gave me an ID email, I did what they asked me which was send a picture of my State ID and Social Security Card, it took them 2 weeks to get back they told me thats not enough to verify myself, instead they told me to send my birth certificate and Social Security card i did just that and now its been 7 days without an response or anything from the company, i called the company the manager had an nasty attitude she didnt try to help me.

Company response to consumer: Closed with non-monetary relief