vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Mathew Aaron Holdings Inc.
State: TN

Complaint narrative:
Complaint Summary I enrolled in a debt settlement program with the above company. I terminated their services for cause after they failed to prioritize an active litigation account, failed to communicate settlement offers, and obstructed my ability to communicate directly with creditors and opposing counsel due to their power of attorney. 

After termination, the company claimed I owed approximately {$1000.00} in fees. I disputed this claim in writing and requested a detailed itemization and contractual basis for any fees allegedly owed, as well as a full accounting and return of escrow funds held on my behalf. 

Despite multiple written requests over several business days, the company has failed to provide any documentation substantiating that any fees are owed and has failed to respond at all. 

What happened ( detailed ) I terminated the companys services for cause due to lack of performance and failure to protect my legal interests. 

The company is claiming post-termination fees without providing documentation or contractual justification. 

Their own enrollment agreement states that fees are only earned upon successful settlement of a specific debt and must be proportional to the settled debt. 

I requested, in writing : An itemized breakdown of all claimed fees The specific contract provisions authorizing each fee Identification of the specific settled account ( s ) tied to any fee A complete escrow accounting and return timeline The company has failed to respond to these requests after multiple follow-ups. 

Why this is a problem Fees are being claimed without proof they were earned Escrow funds are being withheld without justification The company has failed to respond to written disputes The conduct appears inconsistent with consumer protection requirements governing debt relief services What I want the company to do Provide a full written accounting of escrow funds held on my behalf Return all escrow funds not legally earned Waive any unearned or unsupported fees Cease attempting to collect fees without contractual basis Additional notes I am not refusing to pay legitimately earned fees. 

I am requesting documentation and compliance with the enrollment agreement and applicable consumer protection rules. 

The companys failure to respond has left me with no option other than filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$2200.00} {$2200.00} {$2200.00} XXXX XXXX XXXX XXXX Collection XXXX Closed : XX/XX/XXXX XXXX Collection Department XXXX Agency XXXX Attorney / CollAcct / CREDITOR : MEDICAL PAYMENT DATA The child was taken to XXXX XXXX  on XX/XX/XXXX. From there, the decision was made to take the child to the emergency room. The staff called SECOND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, without informing anyone. This company then sent a bill for {$2900.00}. The child has full insurance coverage. The insurance company paid {$660.00} and stated that the amount charged by the company for the service exceeded the allowable amount. And they were right. After that, I contacted the organization asking for an explanation of the situation. They responded rudely and that was it. A complaint was filed against them on XXXX. 
After that, I received no further messages or letters. Now we wanted to buy a house, and it turned out that debt XXXX had opened a case against me! For a child 's medical bill. As far as I know, children can not be held responsible for debts, and they have no right to put the debt in my name. 
A letter to the company was sent today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One gives cash rewards and on XX/XX/XXXX, I went on line to apply {$270.00} of my rewards to my balance of about {$1000.00}. My on-line account showed my balance of anout XXXX was lowered immediately by the {$270.00} and I now owed about {$700.00}. 
Today, I tried to pay my balance on line but it showed my balance was again, about {$1000.00} and the {$270.00} in rewards was nowhere to be found! I called and was told by customer service that my {$270.00} would be applied to next month 's balance! I asked why did it show up on my phone as being applied to my current balance? I even talked to a supervisor, who was unable to explain it. I wish I had taken a screen shot of my balance when it showed the {$270.00} applied to my current balance as now they deny it. It's extremely difficult trying to understand what happened because they talk in circles. They don't understand that, I actually saw my amount due decrease by {$270.00} on my payment of {$1000.00}. Seems very SHADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I was notified by the three credit bureaus of a collection regarding an apartment complex I have never signed a lease or rental agreement for this complex nor have i ever stepped foot at this place. This collection agency Columbia Debt Recovery never contacted me. I have reached out to them and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Rent Recovery Solutions. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Rent Recovery Solutions to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Rent Recovery Solutions.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Date : XXXX XX/XX/XXXX Amount : XXXX I used chime to do my federal tax refund for XXXX and the account number and routing number I put on my return was correct my funds was transferred out by chime and was placed into another chime account that wasnt mines now its been XXXX days since I didnt a check trace and chime will not release my money back to the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX : JPMorgan Chase Bank , N.A . 
Product : Checking account / XXXX  Issue : Unauthorized electronic transfer / improper denial of fraud claim Complaint Narrative : I am disputing JPMorgan Chase Banks determination that a XXXX transfer from my account was authorized. I did not authorize this transaction and I did not share my login credentials with anyone. Chase has not identified what specific act, device, or authentication method it relies upon to conclude that this transaction was authorized. 

Chase denied my fraud claim and has repeatedly asserted that the transaction was authorized, yet Chase has failed to provide me with the documentation or evidence relied upon to reach that conclusion. 

During a call on XX/XX/year>, from approximately XXXX p.m. to XXXX p.m., I spoke with multiple Chase representatives, including a supervisor. During this call, a Chase supervisor accused me of having shared my sign-in credentials, without providing any evidence to support this accusation. I expressly denied sharing my credentials. 

Chase XXXX stated that a denial letter was mailed to me twice, and that a third denial letter was mailed again on the following day. I did not receive any of these letters. Despite repeated requests, Chase refused or failed to provide the denial letter or supporting documentation electronically or during my calls. 

I was told by Chase representatives to contact authorities, which I have already done, and a police report has been filed. However, Chase continues to rely on conclusory statements rather than evidence and has not conducted a meaningful investigation. 

This complaint is not a request to reopen a claim without basis. Rather, it is a dispute of Chases failure to : Provide the documentation supporting its denial Properly investigate an unauthorized electronic transfer Provide effective notice of its determination Refrain from making unsupported accusations against the account holder I am requesting that Chase be required to provide the documentation and evidence relied upon in determining that this transaction was authorized and to conduct a proper review consistent with federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS LATE PAYMENT INDICATOR IS REPORTED IMPROPERLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On or around XX/XX/year>, I discovered multiple unauthorized transactions on my Uber Pro Card ( ending in XXXX ). These included : {$14.00} at XXXX XXXX on XX/XX/year> {$70.00} at an unspecified merchant, previously reversed XXXX ATM withdrawals of {$200.00} each at XXXX XXXX Bank XXXX on XX/XX/year> I did not authorize, perform, or benefit from any of these transactions, and I was not present at the ATM or merchant locations at the time. 
Upon discovering the fraud, I immediately : Locked my card Submitted disputes for all unauthorized transactions Requested a replacement card The Uber Pro Card Disputes Team has denied the ATM withdrawal disputes citing PIN usage as authorization. However, Regulation E ( Electronic Fund Transfer Act ) explicitly protects consumers from unauthorized debit card or ATM transactions, and a dispute can not be denied solely because a PIN was used, especially when the cardholder promptly reports the fraud and did not authorize the transactions. 
This complaint covers all of the above transactions, as they are part of the same fraud incident. I have documentation of each transaction, communication with the disputes team, and proof of the previously reversed {$70.00} charge, which confirms a pattern of unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am submitting this complaint to request regulatory review and intervention regarding the continued reporting of an unverifiable and inaccurate collection account by Jefferson Capital Systems LLC.

Summary of the Issue Jefferson Capital Systems LLC, a third-party debt buyer, is reporting a collection account on my consumer credit report without providing competent evidence that : Jefferson Capital Systems LLC lawfully owns the alleged debt, I have a valid and enforceable contractual obligation to Jefferson Capital Systems LLC , The reported balance, account history, and delinquency dates are accurate, complete, and supported by documentation.

As a debt buyer, Jefferson Capital bears the burden of establishing ownership, accuracy, and consumer liability. That burden has not been met.

Legal Violations Identified Furnishing Inaccurate or Unverifiable Information Jefferson Capital Systems LLC is furnishing credit information without substantiating ownership, accuracy, or consumer liability, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Failure to Establish Chain of Title Jefferson Capital has not produced documentation establishing a complete chain of assignment from the original creditor through all intermediate transfers to Jefferson Capital Systems LLC. Without proof of lawful assignment, the account is not verifiable under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Incomplete and Misleading Credit Reporting The tradeline lacks material information, including original creditor documentation, itemized accounting of the alleged balance, and records supporting the reported delinquency dates. Reporting incomplete information is misleading and violates the accuracy requirements of the Fair Credit Reporting Act.

Risk of Continued Harm to the Consumer Continued reporting of an unverified collection account exposes consumers to reputational and financial harm and undermines the integrity of the consumer reporting system mandated by federal law.

Requested Resolution I am requesting that the CFPB require Jefferson Capital Systems LLC to : Conduct a documented and substantive investigation into the accuracy and ownership of this account, and Permanently delete the tradeline from all consumer credit reporting agencies if competent evidence can not be produced, and Provide written confirmation of the corrective action taken.

This complaint is submitted in good faith to ensure compliance with federal consumer protection laws governing debt buyers and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
edence Resource Management has been calling me every day for the past several weeks. When I returned their call to find out the reason, I was toldmuch to my surprisethat they are a debt collection agency, even though I am unaware of having any debt. When I explained this, the representative stated that it was good to check, which was confusing, as I believed they were calling because they already had a debt associated with me. Wanting to understand what this could be, I provided confidential information, including my name, phone number, address, email, and the last four digits of my Social Security number, believing there was a legitimate debt in my name. The representative then asked for a payment method and explained that they use a third party to check for debt. I did not provide any payment information. I believe this interaction was extremely misleading and potentially a scam, as a legitimate debt collection agency should already be aware of the debt they are attempting to collect. I am now concerned because they have my personal information, which is why I am filing this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
The company National Credit Systems reported a debt. There was no written notification, no telephone contact, no attempts to make contact with us before this was even reported to the credit bureaus. The original date of reporting was XX/XX/year>, there is no account number listed & the amount they are reporting is {$2700.00}. The debt was never validated and just randomly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I am filing a complaint against Prosperity Bank for failing to properly investigate a fraudulent ACH debit and for refusing to escalate my claim to the banks fraud department despite clear notice of merchant fraud and non-delivery of goods. 

In XX/XX/year>, {$4800.00} was withdrawn from my checking account via ACH to fund a XXXX transaction for the purchase of a XXXX XXXX XXXX XXXX advertised on XXXX. The seller never delivered the item. Instead, the seller provided false and fraudulent tracking information that did not show delivery to my address. The item continued to be advertised for sale up untial XX/XX/year>, confirming that it was never shipped. 

I initially contacted Prosperity Bank to place a hold on the ACH debit however I was told that since the transaction was in process at a clearing house nothing could be done. 
On an in-person visit to a Prosperity Bank branch , I specifically requested escalation to the ACH fraud department. XXXX XXXX, the branch manager refused to escalate the matter or initiate a fraud review and stated that the bank could not assist further despite providing documentation and explaining that no goods were received, Prosperity Bank refused to open a formal ACH fraud investigation.

The funds were withdrawn from my account for goods never received based on false representations by the merchant. This constitutes a fraudulently induced ACH debit. Prosperity Banks refusal to investigate or escalate this matter leaves me without meaningful recourse and raises serious concerns regarding the banks compliance with consumer protection obligations and XXXX rules governing ACH transactions. 

I am requesting that the CFPB review this matter and require Prosperity Bank to : 1. Open and conduct a formal ACH fraud investigation 2. Reconsider the disputed {$4800.00} ACH debit 3. Provide a clear written explanation of their dispute handling and escalation procedures I am submitting this complaint in good faith and request assistance in obtaining a fair and timely resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful.

Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard.

I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed.

If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I applied for an auto loan through XXXX XXXX XXXX. The dealer submitted my credit application to Wells Fargo with employment information that was not accurate, listing an employer I did not work for at the time. 

I later switched jobs and the loan defaulted, leading to repossession. Wells Fargo continues to report and attempt to collect on the loan. I am concerned the loan was approved and originated based on false information submitted by the dealership, which caused financial harm to me. 

I am requesting that the CFPB review this matter, investigate the lenders reliance on inaccurate dealer-submitted information, and ensure proper reporting and resolution of 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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I am submitting this complaint regarding a CareCredit account issued by Synchrony Bank and the application of retroactive deferred interest after a promotional period. 

I was approved for a CareCredit account and auto enrolled in automatic payments for the required monthly amount at the time the account was opened. Because autopay was established immediately, I reasonably believed that making the required monthly payments would keep the account in good standing. I was not made aware, at the time of approval or through proactive communication, that a separate promotional payoff deadline required full repayment of the balance to avoid retroactive interest. 

While promotional language may have appeared on periodic statements, I did not receive any clear, proactive notification, reminder, or alert that the promotional period was ending or that failure to pay the full balance by a specific date would result in retroactive interest being applied. I continued to make all required payments in good faith and missed the payoff deadline by only 5 days. 

As a result, over {$2100.00} in deferred interest was retroactively applied to my account, increasing the total balance to approximately {$4800.00}. I believe this charge is disproportionate given the short delay, the use of automatic payments, and the lack of clear disclosure or reminder of the promotional deadline. 

Upon discovering the charge, I immediately contacted CareCredit and offered to pay the principal balance in full if the deferred interest could be removed as a one-time courtesy. This request was denied. 

I am requesting removal of the retroactive deferred interest and the opportunity to pay the original principal balance in full to resolve and close 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 monetary relief