vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Their was an accident happened on XXXX of XX/XX/year> and their was a charge from XXXX XXXX and and it supposed to be paid by my insurance company or the both the drivers insurance company but Its hmgetting into me i have already give the information to the insurance company but i don't why i am getting this paper account no XXXX Invitation code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
My Credit Union, the Golden 1, in the past week updated their mobile/online banking platform. This allows multiple users to access my checking and savings account. People who are not on my account are able to see my balances, etc., etc. In addition, the mobile bill pay that I have signed up with is frozen. I am unable to edit or send out payments that I have normally scheduled with my Credit Union. I have been working with them for the last three days, but no one has been able to resolve these problems. Regarding the ability for other people to access my account, the Credit Union does not consider this to be a problem, but one of their new features. This means my former spouse can access my money from my primary account which they are not on. I do not see anything in the terms and agreements that I have given consent for them to do this. To me, this is an egregious violation of my privacy and financial security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a verified fraud victim. Around [ XXXX XXXX ], I was deceived in a scam and transferred my own funds approximately {$140000.00} USD from my XXXX account into my Bank of America XXXX account. The scammer then instructed me to complete a wire transfer through Bank of Americas online banking system, which I did before realizing that it was part of a fraudulent scheme. I reported the incident to my local police department on [ XX/XX/XXXX ] and provided the police report file number to Bank of America. However, instead of helping me recover the funds, Bank of America closed my accounts shortly afterward. I received only one email notifying me that the accounts would be closed, but I was locked out of online access immediately and could not view my balances or transaction history. When I called customer service and visited a local branch to ask about my remaining balance, the staff were rude, impatient, and unhelpful. No one would tell me how much money was left in my accounts. After many phone calls, one representative finally told me that one account had {$2800.00} and another had {$0.00}, but that these funds were being held in the system because I owe money to the bank. This statement is completely false these were my own legitimate funds. Despite my full cooperation and submission of the police report, Bank of America has not returned any portion of the {$140000.00}, nor provided a written explanation. I also sent a formal written complaint to XXXX on [ XX/XX/XXXX ], but I only received an automatic acknowledgment and no personal response. I am requesting that Bank of America : 1. Provide a written explanation of why my accounts were closed and why my funds are being withheld. 2. Release my remaining balance ( {$2800.00} + {$0.00} ). 3. Reopen and properly review my fraud case. 4. Investigate staff behavior and the handling of my complaint. This situation has caused me serious financial hardship and emotional distress. I am seeking CFPBs assistance to ensure Bank of America provides a timely, written response and a fair resolution.

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
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase charged " {$12.00} Deposit Item Returned Fee '' on XX/XX/XXXX and XX/XX/XXXX which CFPB has deemed unfair here : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Exto Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding my credit card account with Atlas. On [ insert date ], my account was abruptly closed and locked without any prior notice, explanation, email, or phone communication. Despite multiple attempts to contact the company through phone calls and voicemails, I have received no response or clarification. This sudden and unexplained account closure has caused me significant distress and anxiety. I rely on this account for financial management, and the uncertainty surrounding its closure has been deeply disruptive, affecting my ability to plan finances and creating undue emotional strain. Account Details : Company Name : Atlas Account Number ( last 4 digits ) : XXXX Date Account Locked/Closed : XX/XX/year> Current Balance ( if applicable ) : XXXX I am requesting the following : A clear, written explanation for the closure of my account. Confirmation of whether an adverse action notice was issued, and if so, a copy of that notice. Confirmation of how this account has been or will be reported to the credit bureaus. Correction of any inaccurate reporting, if applicable. If the account closure was based on information obtained from a consumer reporting agency, I request disclosure of the specific reason and the source of that information, as required under applicable federal law. The lack of communication and refusal to respond has caused significant emotional distress, and I am seeking formal intervention to ensure the company provides the information I am legally entitled to receive. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
The company provided me with documents ( through CFPB ). The address listed in the claim is not my address. I never received the smartphone or any notification of the transaction. I never authorized this purchase. The documentation provided by the company does not prove that I am responsible for this transaction. Despite my dispute, the company closed the case without addressing these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I am a confirmed victim of XXXX 's illegal steering practices ( Claimant ID # XXXX ). I received a restitution check dated XX/XX/year>, confirming this misconduct. My current servicer, Aidvantage, is violating federal record-keeping requirements by claiming they do not have my forbearance history from the XXXX transfer. This missing information/history is causing financial injury because it prevents an accurate audit of capitalized interest was added to the {$200000.00} balance during the steered periods. Under the Fair Credit Reporting Act ( FCRA ), Aidvantage must report accurate data. I am demanding a Life-of-Loan Principal Audit to remove interest that capitalized during the forbearances identified by the CFPB v. XXXX settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: OH

Complaint narrative:
Validation of Debt Request - PLAZA SERVICXXXX XXXX XXXX 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 disp ute 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: WI

Complaint narrative:
I contacted this company in writing to request validation of the alleged debt and to attempt good-faith resolution. The company has not responded to my written requests and continues reporting my account on my credit reports. I am requesting that the company either provide proper validation of the debt or remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - ONLINE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAG/XXXX XXXX - XXXX * XXXX XXXX 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 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: GA

Complaint narrative:
Obtained a personal loan for $ XXXX, received approval, signed loan documents, when the loan wasn't funded as was told it would be reached out and then and only then did they tell me the loan was denied. Inquired, and they simply said, It doesn't appear there was any mistake, the loan can be declined at any time in the process for any reason. I apologize for the inconvenience, if there is anything else I can do please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX Synchrony Bank ) closed my account on Friday afternoon XX/XX/year> without warning or reason. All charges on the card were paid except for the most recent charge of approximately {$13.00} ( which was not due ) and the card had a more than {$300.00} bonus yet to be applied. The card had never been in arrears. When I made a payment on the card, the account would show the payment, but the available credit would not be reflected for seven days. They had previously told me this is standard practice. Had I not been checking available credit before I paid a bill I would not have known the account was closed. When I called to ask why I was told the letter regarding why had not yet been printed. I asked for a supervisor. The supervisor reiterated the letter had not been printed yet and it would come in 7-10 days. I said I had bills on autopay that would need to be paid on Sunday XX/XX/year>. They said too bad. I asked for a supervisor higher up. After a long wait another person picked up the line. [ I am not sure it was a different person or the same one coming back on the line. ] The above exchange was repeated for the third time with the same response from the third person. The third person additionally said I should have read the fine print on the agreement as they are allowed to close any account they want, any time they want, without warning or reason or explanation. They can close an account just because. When I said Oh my XXXX! and cried the person said if I did not stop she would hang up. When I said I felt sick and had chest pain, she said I better get myself some help. The second and third persons seemed almost happy/gleeful about the situation. I spent the evening and half the night emergently transferring all my accounts to a different credit card so as to not have payments go overdue. With the account closed I will no longer have a monthly discount on my XXXX phone bill or the earned premium. And there is no indication of how the money they owe me will be returned. Also because of the closure my credit score, which is usually between XXXX and XXXX dropped approximately XXXX points to below 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In XXXX, I paid a payment of {$1100.00}. My normal payment is {$1100.00} {$40.00} of that payment was for a late fee {$10.00} per month, I paid the late fee on the statement balance then was told that it went towards my normal monthly payment. The fee doesnt go away. This isnt the first time Ive had this with this company I had to dispute with them a {$50.00} reoccurring late fee that kept showing up on the payment that was resolved but still i had to keep asking them why?. Now even after multiple attempts to pay it when I asked about it, they said it goes on your statement balance, but when it goes on the statement balance, you pay it and then the late fees are still attached to the next months balance every phone call Ive made has either been well put in a request. The request has been denied. You have to pay an additional {$40.00} make your payment today and well get rid of it. Multiple solutions that ultimately lead me to a dead end and I believe that theres something wrong here because any other company I deal with if theres a late fee theres an option to pay the late fee and it doesnt get attached continuously to the next month statement balance after multiple attempts to pay it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I contacted this company in writing to request validation of the alleged debt and to attempt good-faith resolution. The company has not responded to my written requests and continues reporting my account on my credit reports. I am requesting that the company either provide proper validation of the debt or remove the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: LA

Complaint narrative:
Validation of Debt Request - XXXX 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
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 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Validation of Debt Request - CAINE & WEINER/XXXX XXXX XXXX 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