vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
Subject : Complaint Against The LGM Company , Inc. XXXX LGM XXXX XXXX I am submitting a complaint regarding The LGM Company, XXXX XXXX doing business as LGM XXXX XXXX, concerning the servicing and collection of my auto loan for a XXXX XXXX XXXX. I maintained my payments on the vehicle and did not begin missing payments until I became seriously ill and experienced financial hardship due to substantial medical expenses, including the ongoing cost of necessary medications. LGM was aware of my hardship and financial situation. Despite being informed of these circumstances, I received repeated collection calls and text messages. Communications were also directed toward members of my family. The frequency and manner of these contacts caused XXXX XXXX emotional distress, and hardship during an already difficult medical period. I have retained evidence and records of these communications. I am also concerned about the loan terms and the balance later claimed after repossession. I request a full accounting of the account, including all payments received, fees, interest charges, credits, refunds, repossession sale proceeds, and how any remaining balance was calculated. I request that the CFPB investigate the following : XXXX. Collection and communication practices XXXX. Hardship handling and servicing conduct XXXX. Accuracy of balance calculations after repossession XXXX. Application of all credits, refunds, and sale proceeds XXXX. Any unfair or deceptive lending or servicing practices I am requesting a written response and complete account documentation. XXXX XXXX XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am disputing an alleged rental debt that is being collected by two separate debt collectors, Resident Advocate and Hunter Warfield , Inc . In XX/XX/XXXX, I reported a bed bug issue to my apartment management. The response was delayed, including a scheduling error that resulted in an inspection not occurring as initially promised. The infestation was confirmed on XX/XX/XXXX, and preparation instructions were not provided until XX/XX/XXXX. Treatment began on XX/XX/XXXX, with additional treatment on XX/XX/XXXX. Despite these efforts, bed bug activity continued throughout XXXX. Due to ongoing infestation and health concerns, I provided written notice of lease termination on XX/XX/XXXX and vacated the unit on XX/XX/XXXX. After vacating, I was charged a total of approximately {$5800.00}, including early termination fees, post-vacate rent, and bed bug-related charges. I dispute these charges in full because the lease was terminated due to uninhabitable conditions and the charges are not legally valid. On XX/XX/XXXX, I submitted a written dispute to Resident Advocate requesting validation of the debt, including a full itemization and explanation of how the amount was calculated. On XX/XX/XXXX, they acknowledged my dispute and stated that an investigation was ongoing. However, they did not provide meaningful documentation or a clear explanation of the charges. Instead, I later received a response stating that validation had already been provided and that they would not respond further, without identifying when validation was sent or what documentation supported the amount claimed. The account was then transferred or reassigned to a second collection agency, Hunter Warfield , Inc., who is now attempting to collect the same amount. I am concerned that : * The debt was disputed in writing, but no meaningful validation was provided * The amount appears inflated and lacks clear justification * The collector refused to engage further after the dispute * The account was transferred to another collection agency while still disputed I am seeking proper validation of the debt and an explanation of the legal basis for the charges being collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint against Comenity Bank for taking adverse action ( increasing the APR on my credit card ) based on demonstrably false information. XXXX. The Problem : On XX/XX/2026, I received a notice from Comenity Bank stating that my APR was being increased. The notice cited information obtained from an XXXX credit report as the basis for this decision. Specifically, the 'Key Factors ' listed were : Risk Reason XXXX : TOO MANY BANKCARDS WITH A HIGH BALANCE Risk Reason XXXX : TOO HIGH PROPORTION OF BALANCES FROM BANKCARDS XXXX. Evidence of Inaccuracy : These claims are factually incorrect and are not reflected in my actual consumer report from XXXX. I have pulled a current copy of my XXXX credit report ( dated XX/XX/2026 ), which shows : Total credit utilization is less than 1 %. Individual card utilization across all accounts is between 0 % and 1 %. There are no accounts with 'high balances ' as alleged by the bank. XXXX. Fair Credit Reporting Act ( FCRA ) Violation : Under the Fair Credit Reporting Act ( FCRA ), creditors must provide accurate principal reasons for adverse actions. By citing non-existent risk factors that contradict the source report ( XXXX ), Comenity Bank has failed to provide a valid legal basis for increasing my APR and has relied on inaccurate data to justify higher interest charges. Desired Resolution : I request that Comenity Bank : Immediately reverse the APR increase. Reinstate my original APR effective from the date of the change. Provide a written apology and a corrected notice that accurately reflects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: OK

Complaint narrative:
Approx a month ago i refered my friend to join Coinbase based on the advertisement of a refer bonus. It said, refer friend, and when they deposit {$20.00} or more.You both will receive XXXX dollars in XXXX. We follow these guidelines within a XXXX hour period yet did not receive the bonus when they called, they told my friend, they did not meet the eligibility requirements but then later gave it to him. when I called, I was told I didn't meet the eligibility requirements yet, I did and they After talking to XXXX different people could not tell me specifically what requirement I didn't meet and would not give me the advertised bonus. I'd like this company to be reprimanded for false advertising.And I would love for them to be required to give me the bonus I earned and was eligible for according to their criteria. They did tell my friend when he called that. The reason he wasn't eligible was because he didn't make the required deposit, which was {$20.00}. However, they would not let him upload from his card more than {$5.00} at a time, basically preventing him from making the required deposit. So he did XXXX deposits of {$5.00} each, which it also did not outline. Did it have to be in XXXX deposit or anything like that? Just XXXX dollars period uploaded with a timeframe would receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: KY

Complaint narrative:
I am disputing a collection account reported by IQ Data International Inc related to an alleged rental debt from XXXX XXXXXXXX XXXX CA. I previously sent a written request for validation of this debt via certified mail on XX/XX/year>. The company failed to provide any response or documentation validating the debt. Despite this, the account continues to be reported on my credit reports with an increased balance. No itemized statement, signed lease, or proof of authority to collect has been provided. Additionally, in my case, the certified mail sent was returned as unclaimed and unable to be forwarded, yet the company continues to report this account without validating the debt. I am disputing the accuracy and validity of this account and the balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I authorized an international wire transfer from my Chase Bank account in the amount of {$40000.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ). Immediately upon discovering that this transaction was fraudulent, I contacted Chase Bank on XX/XX/year> to report the fraud and requested an urgent Recall/Cancellatoin of the wire. It has now been approximately 9 days since my initial report, and Chase 's handling of this case has been unacceptable. Despite my repeated requests, the bank staff has : XXXX ) Refused to provide the XXXX XXXX ( Proof of payment ), which is essential for tracking the funds and reporting to international authorities. XXXX ) Refused to provide the XXXX XXXX ( Recall Request ), making if impossible for me to verify if Chase actually attemped to stop the payment. XXXX ) Failed to provide any substantive updates on the status of the recall or the communication with the receiving bank in XXXX. Chase 's lack of transparency and refusal to provide standard banking documentation has severely hindered my ability to recover these funds and has protected the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my consumer credit files. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$26000.00}, opened XXXX, is being reported as a late closed- account showing multiple severe delinquencies including 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 90 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). This tradeline carries substantial negative impact on my credit profile ; however, the reporting appears inconsistent and suggests possible aggregation or improper classification that raises serious concerns regarding whether the account is being accurately categorized, properly separated from other reporting structures, and independently verified as required under the Fair Credit Reporting Act. Under FCRA 609 and 611, I requested full disclosure and a reasonable reinvestigation, yet the continued reporting indicates that the bureaus may be relying on automated verification rather than a documented review of competent evidence. Furthermore, pursuant to FCRA 623 ( b ), the furnisher is legally required to conduct a thorough investigation and provide complete, accurate, and verifiable documentation supporting the status, balance accuracy, payment history, and account classification. The burden of verification rests entirely with the credit reporting agencies and the furnishernot with me as the consumer. Reporting information that is inaccurate, incomplete, misleading, or unverifiable constitutes noncompliance with federal law and continues to cause significant harm to my credit standing, financial opportunities, and overall financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax regarding inaccurate, incomplete, and potentially unverifiable information currently being reported on my consumer credit files. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$26000.00}, opened XXXX, is being reported as a late closed- account showing multiple severe delinquencies including 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), 90 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). This tradeline carries substantial negative impact on my credit profile ; however, the reporting appears inconsistent and suggests possible aggregation or improper classification that raises serious concerns regarding whether the account is being accurately categorized, properly separated from other reporting structures, and independently verified as required under the Fair Credit Reporting Act. Under FCRA 609 and 611, I requested full disclosure and a reasonable reinvestigation, yet the continued reporting indicates that the bureaus may be relying on automated verification rather than a documented review of competent evidence. Furthermore, pursuant to FCRA 623 ( b ), the furnisher is legally required to conduct a thorough investigation and provide complete, accurate, and verifiable documentation supporting the status, balance accuracy, payment history, and account classification. The burden of verification rests entirely with the credit reporting agencies and the furnishernot with me as the consumer. Reporting information that is inaccurate, incomplete, misleading, or unverifiable constitutes noncompliance with federal law and continues to cause significant harm to my credit standing, financial opportunities, and overall financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
I had a previous loan that was paid this loan was much more and the payment amount is something I cant make .The amounts are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have a credit card account with Navy Federal thats closed but money is still being collected the terms of this credit card wasnt clear and the interest isnt correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally dispute a collection account that is currently being reported on my credit file by Columbia Debt Recovery, LLC ( on behalf of XXXX ). This account contains multiple factual inaccuracies and must be investigated and removed immediately under the Fair Credit Reporting Act ( FCRA ). Reason for Dispute : XXXX. Incorrect Move-Out Date & Charges I vacated the apartment in XX/XX/XXXX. However, the collection agency is referencing charges and requesting proof of payment for XX/XX/XXXX through XX/XX/XXXX, a full year after I had already moved out. These charges are invalid and do not belong to me. XXXX. False Unit Information The collection agency claims the debt is tied to XXXX # XXXX, which I have never occupied. This is a clear reporting error and calls into question the validity of the entire account. XXXX. Final Payment Made Any remaining balance I had at the time of move-out was paid on XX/XX/XXXX. I have no outstanding obligation beyond that date. XXXX. Inaccurate and Misleading Reporting The response provided by the debt collector contains multiple inconsistencies, including incorrect dates, unit number, and timeline of charges. These inaccuracies indicate a failure to properly verify the debt before reporting it. XXXX. Improper Data Handling The apartment complex appears to have furnished inaccurate information tied to my identity. Reporting unverifiable or incorrect data to a third-party collector without proper validation raises serious compliance concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/year>, my wife and daughter went in person to the XXXX warehouse in, California, to change the XXXX membership into our daughters name so she could obtain contact lenses near her college in a different state. At the time of that membership change, we were not clearly and prominently informed that the associated Citibank credit card would be closed or that cash back rewards already earned on the account would be forfeited. Citi later sent messages indicating that the card would be closed because the membership was no longer active. However, those communications did not clearly inform us that approximately {$170.00} in cash back already earned through prior purchases would be lost, and we were not given a meaningful opportunity to preserve or redeem those rewards before the account stopped working. On XX/XX/year>, when we contacted Citibank after neither the primary card nor the authorized-user card could be used, we were told that the cash back had been forfeited because the account was closed. Citis forfeiture of already-earned rewards without clear, timely, and prominent notice was unfair and misleading. We request that CFPB require Citi to promptly investigate this matter, restore the approximately {$170.00} in earned cash back, and resolve this issue without further delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a solar financing agreement with GoodLeap that is currently under active dispute. I was explicitly informed by a representative that billing would be paused and that my account would not be placed into default while this matter was under review. Despite this, I have received both written communication from collections and multiple collection calls. The underlying dispute involves : Property damage caused during installation Incomplete and substandard repair work Delays and unresolved issues A request for system removal that remains under escalation The continued collection activity directly contradicts prior assurances and is occurring while the dispute remains unresolved. I have made multiple attempts to resolve this matter directly with the company and have not received consistent or complete responses. I am requesting : Immediate cessation of all collection activity Written confirmation that my account will not be reported as delinquent or negatively impact my credit while this dispute is ongoing Proper review and resolution of the dispute Supporting documentation is attached, including written confirmation of my understanding that billing would not result in default during review, as well as confirmation that automatic payments were canceled. Despite this, collection activity has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This debt shows account closed on XXXX report charged off. That means they're seeming to report the acct debt uncollected and therefore receive full tax benefit. I'm under the impression that this account should be closed not w debt collectors. I thought that debts cards closed more than XXXX years ago should protect me from collection calls. They continue to harass me as early as XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank unauthorized transaction made on XX/XX/year> at XXXX in XXXX, CA for {$58.00}. I disputed it and was denied. Asked for documentation and all I got was a monthly statement and details of my filing the dispute. No receipt or signature of the transaction was provided. Online or in store purchase? Nothing was provided that I asked for. Ive never been to XXXX in XXXX and had the debit card in my possession and never gave PIN number to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I am a victim of identity theft. The following accounts are not mine : XXXXXXXX XXXX / XXXX ( XXXX XXXX ) opened on XX/XX/XXXX, balance of {$2000.00} This account shows a balance and delinquency that I do not recognize. I did not open or authorize this account. XXXXXXXX XXXX XXXX ( Account opened XX/XX/XXXX ) in the amount of {$18.00} Although this account shows a long history, I did not open or authorize it. I have no knowledge of this account and did not benefit from any activity associated with it. Additional XXXX account opened on XX/XX/XXXX. I request the immediate blocking and removal of these accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ). Please also remove all associated inquiries, payment history, and balances.

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