vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Mathew Aaron Holdings Inc.
State: MO

Complaint narrative:
After GRT Financial didnt listen to my advice to settle XXXX they got me sued for a second time. On XX/XX/year> I fired Grt by phone and also informed XXXX XXXX I was no longer working with them. I asked them to refund the XXXX that I paid in XXXX and there shouldnt have been any charges by them because there were 3 debts left and I took them back. At this time I revoked authorization for them to charge my checking account. They didnt charge XXXX but on XX/XX/XXXX they charged me XXXX. This is clearly illegal and fraudulent! They hadnt even refunded the last XXXX from XXXX and have now illegally withdrawn another XXXX without permission or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The prior statement does not truly or fully reflect my financial approach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
My account with Marcus by Goldman Sachs was closed by customer service while it contained a remaining balance of {$580.00}. I was informed that a transfer of my remaining funds was initiated. However, I have not received the funds, nor have I been provided with any confirmation of where the funds were sent, whether the transfer was successful, or if a check was issued. I have contacted customer service over XXXX times requesting clarification. Each time, I am told there is an open case, yet I am refused a case number, written confirmation, transfer details, or a timeline. At this time, my funds are unaccounted for. I have no documentation, no access to my money, and no way to verify the status of the transfer that was supposedly initiated. This lack of transparency and inability to trace my funds is unacceptable. I am requesting immediate written confirmation of : Where my funds were sent The method of transfer ( ACH, check, etc. ) The date the transfer was initiated The current status of the funds If the transfer failed or was not completed, I am requesting the immediate reissuance of my {$580.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Request proof of debt itemized and proof to collect along with monies owed, judgment was only for possession no monetary was awarded in court hearing. Asked for removal

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: WI

Complaint narrative:
Tried to do a wire transfer on XX/XX/year> to my own account at XXXX and account was put under review and my checking and savings account suspended. I have called, chatted online and i am not not getting any response. I was informed the wire was cancelled but was never notified of that. I found out when I called but still have heard from the risk department. All I am getting is the run around and this is affecting me financially as I can't pay bills and now will have late fees. I need this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ECN Platinum LLC
State: DE

Complaint narrative:
On XXXX I opened an RV loan with Source One Financial Services. The same day, the RV was totaled by high winds in a highway accident. A claim was placed with my insurance company and they paid Source One the final balance due. I received a refund due to an overpayment shortly after that. Since then I have received several statements reflecting a XXXX balance, but with a payment due. I sent a written request for clarification, called the firm several times and responded to their collection emails. I did speak with someone regarding the issue and they we supposed to research and get back to me. I believe it was on a recorded line. They never called back. Last week I received a collection voicemail that I did not return. I emailed again and received an email back that the account was paid in full with a XXXX balance. I replied that something is wrong, as I am still receiving statements and phone calls. No response. 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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
I am filing this complaint against LGM Auto Finance for their persistent refusal to provide a detailed payment ledger and their failure to provide accurate loan data through their customer portal, which is essential for my XXXX business tax filings. On XX/XX/XXXX, I requested a breakdown of interest paid for the XXXX tax year. Following a XXXX call on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXhere I addressed discrepancies regarding my loan maturation date and unexplained balance increases, I was still not provided with a ledger. On XX/XX/XXXX, I spoke with representative XXXX XXXX ( XXXX : XXXX call at XXXX XXXX XXXX XXXX XXXX admitted that my maturation date and balance were displaying incorrectly on the customer portal due to a glitch. Most critically, when I requested a formal payment ledger showing the application of principal and interest for my payments, she stated that " no one has access to that, not even the billing department or a manager. I was told I must use a basic payment history and " do the math myself '' using my original contract. This is a violation of my rights under UCC 9-210 ( Ohio Revised Code 1309.210 ), which entitles a debtor to a formal accounting of their debt. Furthermore, LGMs claim that this data is " inaccessible '' suggests a systemic failure to comply with federal information-reporting standards under IRS Notice XXXX and XXXX XXXX, which require lenders to make interest totals available to borrowers for the XXXX tax year. Their admitted system " glitch '' and refusal to provide a ledger prevent me from verifying that my payments are being legally applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NV

Complaint narrative:
I have been atempting to access my Discover acocount for almost XXXX months now. These people have cancelled my card, never sent a new one. I finally figures it out myself, withou any help from them, that they cancelled my card, so I asked them to send me a new card. I ahve recieved the new card, but am still unable to login to their system. It is concerning, especialy considering I have spent hours attempting to resolve this issue. I also wanted to ensure no payment was due, and was told my balance is XXXX due. I have no way to confirm this information, since there is no visibility when I login to my Dioscover account. I have spent an ample amount of time to resolve this, with no success. Today marks the twelvth time I have attempted to login and establish a connection with overvies and accouint summary, with no success. The issue is with the Discover system, technical difficuklties, buut these people seem to be terrible at resolving these sort of issues. * * * Confirmation of technical issues with the Discover website, attached * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute on my CareCredit account issued by Synchrony Bank. In XX/XX/year>, I was charged approximately {$5000.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX The brace failed within less than XXXX hours of initial use when the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the XXXX immediately. Replacement XXXX materials were later mailed, but these did not resolve the issue, and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, the device could not be used as XXXX. I requested a refund from the provider, which was denied. I then filed a dispute with CareCredit. CareCredit denied my dispute, relying primarily on the providers statement that follow-up visits were available. I submitted additional documentation and clarification, and the dispute was reopened and denied a second time. The core issue is that the product was defective and not usable as intended. However, CareCredit treated this as a matter of follow-up care or compliance rather than a defective goods dispute. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), consumers have the right to dispute charges for goods that are defective or not delivered as agreed. Additionally, under the Truth in Lending Act claims and defenses provision ( 15 U.S.C. 1666i ), I am entitled to assert the same claims against the creditor that I could assert against the merchant. Despite this, CareCredit failed to properly evaluate the defect in the product and instead relied on the providers position that additional visits were available, which does not address the underlying product failure. I am requesting that this matter be reviewed to determine whether CareCredit conducted a reasonable investigation and properly applied consumer protections in handling this dispute.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.

Complaint narrative:
I signed up for credit card for intro offer. Card was not sent in timely manner for 3 to 4 months, this way I could not use the card to get intro offer. Card arroved after intro expired. They extended one week the offer. I spent my money by extension date, then they refused to honor intro offer. I requested chat transcripts, case file number, employees and customer service refused me, also used profanity in documented chat. Want my original offer honored, plus miles for the hassle. Turns out after looking online that this is systemic.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received letters from JPMorgan Chase Bank informing me that my accounts were being closed. The closure letters specifically stated that the accounts were being closed due to a publicly reported financial investigation. I held multiple accounts with Chase, including personal accounts and accounts held in the name of a revocable living trust of which I am the trustee. All accounts were closed. The XX/XX/XXXX closure letter stated that I would have access to transfer your account balance before the closure date above ( XX/XX/XXXX ) and that I could write a check from your Chase account or initiate an online wire transfer using chase.com. On XX/XX/XXXX, I attempted to transfer {$100.00} from my Chase account ending in XXXX to my Chase account ending in XXXX. The Chase mobile application returned an error message : XXXX of your accounts is not eligible for this transaction. Chase denied me access to my own funds XXXX ( XXXX ) days before the stated closure date of XX/XX/XXXX, in direct contradiction of its own written representation. By XX/XX/XXXX, all accounts were closed and balances zeroed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
First the credit agencies have errors on my formal name which XXXX XXXX. They have an initial XXXX in my name i bee trying to rectify for a while now. There bills under the XXXXXXXX XXXX attached to my credit record. I send request to all the XXXX bureau to fix that, but never been fixed. There is a big collection by a XXXX party company that keep on reporting my name to the credit bureau. I never gave them concent to do any of that because I didnt do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am unable to access my PayPal account due to a failed phone verification system that prevents me from authenticating my identity. This issue has completely locked me out of my account and prevents access to my funds. I have attempted multiple times to contact PayPal support during their stated business hours, but I can not reach a representative because the verification system blocks access. There is no alternative method provided to verify my identity or regain access to my account. This situation is effectively denying me access to my funds without due process or adequate customer support. I am requesting that PayPal restore access to my account or provide a functional alternative verification method immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally request an investigation into the LVNV Funding LLC account reporting on my credit file ( Account No : XXXX ), with the original creditor listed as XXXX XXXX XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including but not limited to the account balance, payment history, dates of delinquency, and any remarks currently being reported. I also request disclosure of the method of verification used to confirm the accuracy of this account, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), please provide documentation supporting your authority to collect on this alleged debt, including proof of assignment or ownership, as well as evidence that I was properly notified of this debt in accordance with 15 U.S.C. 1692g. I am also requesting copies of any notices allegedly sent to me regarding this account. If this account can not be verified as accurate, complete, and compliant with the above-referenced laws within the investigation period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( 30 days ), I request that it be corrected or removed from my credit report accordingly. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: AL

Complaint narrative:
TRUEACCORD C is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD C 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 2026-03-24 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 is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is xxxxx XXXX is falsely reporting XXXX my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I disputed this alleged debt with the debt collector and requested proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). In response, the company only provided a billing statement dated XX/XX/year> showing a balance of approximately {$1600.00}. This documentation is insufficient to establish that I am legally responsible for this debt. The company failed to provide a signed agreement, proof of authorization, or any documentation showing that I opened or agreed to this account. They also failed to provide a complete account history or documentation establishing their legal authority to collect this debt. Despite my dispute and request for validation, the company continues to treat this debt as valid and may be reporting it to consumer reporting agencies. Reporting a debt that has not been properly verified is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). The company has not met its burden to validate this debt. As a result, this account remains unverified and should not be subject to collection or credit reporting. I am requesting that this account be immediately deleted from all consumer reporting agencies and that all collection activity cease unless proper validation can be provided in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
I made a purchase to XXXX for $ XXXX change also {$35.00} after receiving the merchandise it was not what i ordered and I returned and no other purchase was made. I didn't notice my statements in the mail because of a address XXXX XXXX issue, we have a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX street in XXXX XXXX XXXX Md XXXX If there's a new mail person my mail will go in another mail box or another address. I received my bank statement around the end of XXXX and XXXX when I notice a charge on XX/XX/year> for XXXX, I contact the bank to do a dispute / fraud charge on my bank card of Atlantic Union. I was told that the charge was over XXXX and the money was released to the merchant with no investigation because of their policy which I wasn't aware until XX/XX/XXXX, after speaking to the Manager stating he was sorry about releasing my funds for merchant I never purchased. All he could say was he was sorry and I should check my statements after I explained the mailing issue. The banks are taking XXXX funds out of their accounts with out their knowledge. I'm not aware of a XXXX charge on a account has to be reported. I explained to him, I had a charge from XXXX coming out of my account with out my knowledge after the investigation my money was return to my account with no issue. The manage of Atlantic Union stated all banks have the same rule, there's no other number or manager I can give you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
car was XXXX XXXX XXXX loan should not be on there, als oon XXXX they fin this with gap ins, still not paid off

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