vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Radius Global Solutions LLC
State: MA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Radius Global Solutions on my XXXX  credit report. 

This complaint constitutes my first formal demand for documentary proof establishing that this alleged obligation is valid, lawfully owned, and accurately reported. To date, Radius Global Solutions has not provided validation, accounting, or proof of authority to collect or report this account. 

The tradeline lists no original creditor, provides no payment history, and offers no documentation supporting the balance claimed. 
The account is reported as a collection, yet : The original creditor is not identified No payment history is provided No charge-off or loss documentation is disclosed No proof of placement or authority to collect is shown No contract or underlying obligation is provided Reporting a collection account without identifying the creditor and without substantiating ownership, balance, and authority is inaccurate and misleading. 
First Formal Request ) I demand that Radius Global Solutions produce the following within the CFPB investigation period : 1. Full accounting ledger showing how the {$310.00} balance was calculated 2. Identification of the original creditor and documentation of the underlying obligation 3. Charge-off and loss documentation, if applicable 4. Proof of lawful placement or assignment authorizing Radius to collect 5. Authority to furnish this account to XXXX 6. Copy of the contract or agreement relied upon for collection and reporting Absent production of the above documentation, Radius Global Solutions can not lawfully continue reporting or collecting this account.

A collection tradeline that fails to identify the original creditor and lacks accounting, ownership, and authority proof is unverifiable and inaccurate. This complaint places Radius Global Solutions on notice that continued reporting or collection without proof of the alleged obligation, accounting, and authority violates accuracy and reinvestigation requirements. 

I respectfully request CFPB intervention to compel compliance and prevent further consumer harm.

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 2026-01-15 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: CIG FINANCIAL LLC
State: TX

Complaint narrative:
I entered into a retail installment contract for a new vehicle through AutoNation XXXX XXXX XXXX. During the sales and finance process, I was subjected to deceptive and high-pressure practices that resulted in unauthorized and misrepresented add-on products being bundled into my vehicle loan. I was led to believe certain products were required, already included, or could not be removed, when in fact they were optional. Several protection plans, warranties, and service products were added to the transaction without my informed, voluntary, and affirmative consent. The cost of these products was financed, increasing the total amount financed, the finance charge, and the total of payments over the life of the loan. 

I did not receive full, complete copies of all documents I signed at the time of sale. I later discovered that critical documents, including addendum and buyers order pages reflecting itemized charges and add-ons, were missing or incomplete. This prevented me from understanding the true breakdown of the transaction at the time I was legally bound. The failure to provide complete copies obstructed my ability to review, cancel, or dispute the products within any applicable window. 

After the sale, I promptly attempted to resolve this directly with the dealership and finance representatives by sending written demand letters and escalation communications requesting cancellation of the unauthorized products and correction of the loan balance. Despite clear notice, the company failed to timely cure the issue, failed to properly unwind the add-ons, and failed to ensure credits were applied as principal reductions to the loan. As a result, the loan remains inflated, mischaracterized, and inaccurate. These actions constitute unfair, deceptive, and abusive acts and practices in connection with a consumer auto loan and the servicing of that loan.

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 — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year> at approximately XXXX, I received a fraud alert from USAA via text determining whether I was using my debit card in Florida ( I live in Washington state ) for {$500.00}. I replied with n for no via text. Soon after, I received a call from an individual portraying to be a USAA representative requesting specific information to access my account to further investigate the matter. I provided the individual with basic information. I was informed that the matter would be handled quickly and that I would receive a new card in the mail in matter of a few days. While maintaining on the phone with the individual, they stated that there was a glitch in the system and suddenly I had {$1400.00} in my account. Mind you, I only had {$1.00} in my account prior to this occurring. The funds were transferred via USAA HOLDING FUNDS so to me it seemed urgent return these funds instantly. The individual ran me through a process to return the funds via XXXX XXXX, which seemed very unlikely of something USAA would have me do, but due to integrity and knowledge that these funds werent mine to begin with, I wanted to do the right thing and return the funds. I proceeded to follow the individuals instructions to return the funds. The individual made me send the funds to a phone number ( XXXX ( XXXX ) XXXX ). After being on the phone with the individual for at least two hours, the funds were returned and my account was brought back to {$1.00}, where my total first was to begin with, at least so I thought. The next morning I called USAA to confirm what had just occured was real, but the actual USAA member stated they wouldve never asked me to do such thing therefore determining I was a victim of fraud. My account was instantly placed on hold with restricted access until further investigation. Today XX/XX/year> I was informed by USAA that it was determined that I am to be placed responsible and liable for a negative balance on my account. Current balance is {$1200.00}. I am reporting this as I pursue a legal case against USAA.

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: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: TX

Complaint narrative:
I dispute the accuracy of student loan accounts reported by Central Research Inc. 

The accounts reflect inaccurate balances and delinquency information without proper verification. Reporting inaccurate student loan data violates FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: IL

Complaint narrative:
I am disputing an inaccurate medical debt being collected by Frost-Arnett Company XXXX Frost-Arnett is attempting to collect a balance of approximately {$5000.00}, despite the first statement they sent me showing they were trying to collect {$2600.00}, which was still incorrect for the medical services provided by XXXX XXXX XXXX XXXX XXXX XXXX This amount does not match my insurance Explanation of Benefits ( EOBs ). My insurance EOBs show patient responsibility amounts of {$200.00}, {$200.00}, and {$0.00} for the accounts in question ( account numbers XXXX, XXXX, and XXXX ), for a total patient responsibility of {$400.00}. I dispute any amount beyond this total. Despite providing EOB documentation, the debt collector continues to attempt collection of an incorrect amount. I have formally requested debt validation in writing and dispute the validity and amount of this debt. This appears to be the result of billing or insurance processing errors, and the debt has not been properly validated as required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the debt collector : * Cease collection of the unvalidated amount * Correct the balance to reflect insurance EOBs or stop collecting entirely * Provide written documentation supporting any amount they claim is owed I have attached copies of my EOBs and dispute correspondence.

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 — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I deposited a legitimate check for {$4500.00} into my personal Chase checking account. At the time of deposit, I was explicitly told by Chase that the funds would be available on XXXX. That date passed and the funds were not released. 

Since then, I have spoken with multiple Chase representatives and received inconsistent and conflicting information. I was told at XXXX point that a partial release was possible and later told that no release was possible at all. Chase has attempted to contact the issuing bank and has not indicated any issue with insufficient funds or fraud. 

Despite verification efforts and my account being almost XXXX years old, Chase continues to hold the full amount and refuses to honor the availability date they provided or allow a partial release. This delay has caused financial hardship. 

I am requesting an immediate review of this deposit hold, release of available funds or partial availability no later than XXXX  XX/XX/year> and written clarification of the reason for the extended hold in accordance with Regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX approved and granted a refund for this transaction on XX/XX/year>. I have written confirmation stating We have granted your claim and issued you a refund to your original payment method. 

The refund was never credited to my Citi account. 

This is not a delivery dispute. The merchant accepted responsibility and approved the refund, but failed to issue the credit. XXXX later provided contradictory information stating the order was delivered, despite previously approving the refund. 

Citibank closed my dispute holding me responsible without addressing the fact that the merchant-approved refund was never received. 

I am requesting that Citibank reopen this case under Merchant Credit Not Received and coordinate directly with the merchant to provide proof of refund issuance or reversal. Dispute # 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 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the method of verification used to verify the following account after my recent dispute : XXXX XXXX XXXX XXXX : {$5800.00} This account was disputed in connection with CFPB Complaint Case XXXX XXXXXXXX. TransUnion reported the account as verified, yet no documentation was provided to me demonstrating how verification was conducted. 
Pursuant to FCRA 611 ( a ) ( 7 ), please provide : The name, address, and phone number of the person or entity that verified the information A detailed description of the verification process used The specific documents relied upon to verify accuracy The date verification was completed Failure to provide this information within the required timeframe constitutes noncompliance with the Fair Credit Reporting Act.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I added XXXX offers for cash back at the XXXXXX/XX/XXXX Hotels to my Chase Sapphire Preferred card. I could not possibly KNOW that the hotel where I stayed AT THE XX/XX/XXXX ( per the terms of my offer ) had only XXXX billing system which reads initially as XXXX XXXX. So I called Chase, spoke with a supervisor, who saw the issue and promised to fix it. 

I ultimately added XXXX offers for cash back because I had XXXX stays at the XXXXXX/XX/XXXX. In fact, the properties share a front desk, but are not the same and I never stepped XXXX in the XXXX I then provided RECEIPTS WHICH PROVED THIS. The receipts say XXXXXX/XX/XXXXand show my CHASE CARD where the offers were added was USED at the XXXX XX/XX/XXXX. I spoke with the manager who also agreed to speak with Chase. 

Upon writing again and again and again I learned the supervisor did NOTHING and ultimately just lied I learned that even though I booked DIRECT WITH XXXXXX/XX/XXXXand provided ALL the evidence that there was, including receipts, that Chase will lie its way out of offers. I am livid more than anything at the misleading supervisor and the lies. I am attaching ALL the correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I am disputing the accuracy and legality of how this debt is being reported on my credit report. 

I requested debt validation, and the company has either failed to properly validate the debt or continues to report information that appears inaccurate and/or misleading. 

Specifically, I am concerned about : Reporting without proper validation Inaccurate payment history and/or dates Potential unlawful re-aging Continued credit reporting while the account is disputed This account is being reported inconsistently across credit bureaus, and I have never made a payment to this collection agency. 

I am requesting that the company either provide full, lawful validation of the debt or cease reporting and delete the account from my credit report.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was the victim of fraud on my JPMorgan Chase Bank account between XXXX XXXX XXXXXX/XX/scrub> 2024. At least XXXX fraudulent checks ( approximately {$400.00} each ) were presented on my account and were flagged as fraudulent by Chase. 

I closed the account in XXXX 2024. Chase mailed me a letter at that time confirming the account was closed and stating a remaining balance of {$500.00}. I no longer have the physical copy of that letter. I requested a duplicate from Chase, and Chase has stated that it can not provide the XXXX account-closure letter. 

Chase can, however, provide a separate letter stating that the account was paid off in XX/XX/year>2024. Chase has refused or failed to explain how a closed account could receive a payment, who made the payment, or why the closure letter can not be reproduced. 

After the account was closed, Chase also posted additional charges, including {$34.00}, to the closed account. A closed account should not generate new charges or accept payments without the customers authorization. 

When I attempted to resolve these issues in person and by phone, Chase representatives provided multiple contradictory statements, including : XXXX employee stating my address did not match the account, and another confirming the same address did match Statements that the account was closed, but that payments or charges could still post Being told I had to pay {$500.00} in cash, then later being told the balance was already paid by an unknown party No explanation for the {$34.00} charge Repeated transfers between departments without resolution These actions indicate mishandling of my fraud claim, improper post-closure account activity, and serious recordkeeping failures. I am requesting CFPB assistance to require Chase to : XXXX. Provide a written explanation of how and by whom the account was paid after closure XXXX. Explain why the XX/XX/year>2024 account-closure letter can not be reproduced XXXX. Correct any improper charges XXXX. Ensure no negative credit reporting XXXX. Document and properly resolve this fraud case My information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX

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: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding SoFi Bank, XXXX. for improper loan servicing, refusal of a confirmed payment, retroactive termination of a settlement agreement without prior notice, and referral of my account to an outside collection agency while a good-faith payment dispute was pending. 
On XX/XX/XXXX, I entered into a written settlement agreement with SoFi Bank, XXXX. to resolve my personal loan account for a total of {$33000.00}, payable in XXXX monthly installments of {$11000.00} due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
At the inception of the settlement, SoFi required that the installment payments be withdrawn directly from my personal bank account via XXXX. I agreed to and relied upon this arrangement. 
The first installment was paid successfully. On XX/XX/XXXX, SoFi failed to initiate the agreed ACH withdrawal for the second installment. Upon noticing this, I proactively submitted the payment manually on XX/XX/XXXX to ensure the settlement remained current. 
For the third and final installment due XX/XX/XXXX, I again reasonably expected SoFi to initiate the XXXX debit as agreed. XX/XX/XXXX fell on a Friday during the holiday period, and based on the prior missed debit in XXXX, I allowed reasonable time for processing. 
When no debit occurred, I submitted the full and final settlement payment in good faith on XX/XX/XXXX from my XXXX account ending in XXXX. This payment was authorized, and I received confirmation number XXXX, evidencing acceptance of the transaction at the time it was processed. 
Despite this confirmation, XXXX later refused the payment. I was not provided any written or verbal notice prior to XX/XX/XXXX that the settlement agreement had been terminated. 
On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( Badge XXXX ), who informed me for the first time that my settlement had allegedly ended as of XX/XX/XXXX due to a missed payment and that my account had already been referred to an outside collection agency. 
I dispute XXXX actions for the following reasons : SoFi failed to initiate the agreed XXXX  withdrawals. 
I reasonably relied on the agreed payment method. 
I cured any alleged technical default in good faith before receiving notice of termination. 
SoFi accepted and confirmed my final payment before later refusing it. 
The settlement was terminated retroactively without prior notice. 
The account was referred to an outside collection agency while a confirmed payment dispute was pending. 
I am requesting that SoFi Bank, XXXX. be required to honor the original settlement agreement and accept the final payment already submitted, or otherwise provide a lawful justification for refusing a confirmed payment and terminating a settlement without notice. 
I am also requesting that all collection activity be suspended while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing the Credence Resource Management collection account reporting on my XXXX  credit report. The account is inaccurate and incomplete. The furnisher has not provided a signed contract, itemized billing, or proof of legal responsibility. Please delete this account pursuant to FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX closed my self-directed XXXX XXXX  approximately XXXX ( XXXX ) months ago. 
Since the account closure, XXXX has failed to distribute or transfer my XXXX funds despite repeated requests. 

This is a retirement account subject to custodial and investor protection rules. 
There is no court order, garnishment, or forfeiture action justifying continued retention. 

XXXX has provided no written explanation or timeline for release. 
I am requesting immediate distribution of my XXXX XXXX  funds or a written response citing the specific legal authority permitting continued retention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
I am writing to formally report an unauthorized account that was opened in my name without my knowledge or consent. 

An individual who is my former partner used my personal information to open this account. I did not authorize, apply for, or benefit from this account in any way. I only became aware of its existence after it appeared on my credit report. Since that time, the individual responsible has refused to make payments on the account and has blocked all communication with me. 

As a result, this fraudulent account has negatively impacted my credit and financial standing. I am requesting assistance in disputing and removing this account, as well as guidance on any additional steps I should take to protect myself from further identity misuse. 

I am willing to provide any documentation or additional information necessary to support this claim. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief