vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I obtained a loan with sunset finance. I have XXXX loans with them. I do owe them {$250.00} at the moment which is a payment on both accounts. I had a very serious XXXX and I couldnt call or get in touch. Im still in recovery. I had in my notes to call and make payment on the XXXX when I got paid and a little better situated. I did warn the management previously about this XXXX but obviously its new people in. Well the problem is when they called one of my references, they told him ( my dad ) my personal business. They gave him my pay off amount and how much owed. This happened on this morning XX/XX/year> at XXXX ; XXXX. The representative name was XXXX. She told him my payoff was {$1600.00} and bill due was {$250.00}. Which is illegal. That isnt supposed to happen. She told my personal information and that isnt supposed to go to my references. You are just supposed to ask them to get intouch. I had planned to but to tell my personal info was out of line and actually illegal.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: MI

Complaint narrative:
I received notification that my account was suspended without any explanation. They blocked me from access to my funds in my account. I sent them the requested documentation and I would like access to my funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: NY

Complaint narrative:
auto loan account. The vehicle was declared a total loss, and both my primary insurance company and XXXX ( XXXX ) insurance issued payments toward the balance. Specifically, my insurance paid {$10000.00}, and the XXXX insurance paid an additional {$9000.00}. Despite these payments, I am still being charged an outstanding balance of {$6000.00}. This situation is unacceptable. Based on the total payments made, the account should have been significantly reduced or fully resolved. I request an immediate review of the account, a detailed explanation of the remaining balance, and the removal of any improper charges or fees. Please investigate this matter urgently and correct the account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding a Nordstrom credit card account reported by TD Bank that I did not open or authorize. This account is appearing on my consumer credit reports as a charged-off store credit card account with derogatory payment history and a balance. I dispute responsibility for this account in full. Specifically : * I did not open or authorize this account. * I dispute the accuracy of the reported account ownership, balance, and payment history. * I request that TD Bank provide proof that I personally opened and authorized this account. This account is causing significant harm to my credit profile. If TD Bank can not fully verify that I opened and authorized this account, I request that the account be deleted from my consumer reports and that any inaccurate reporting associated with it be corrected. I also request that TD Bank investigate how this account was opened and why it is being reported under my name if I did not authorize it. I am requesting a full investigation and a written response. I also reserve the right to dispute this account directly with the credit reporting agencies and to request supporting account-opening documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Dear Apple Customer Relations, I am writing to formally file a complaint regarding my recent experience with my Apple Card account, which has caused significant frustration, concern, and distrust in your services. On XX/XX/XXXX, I made a payment of {$1400.00} toward my Apple Card balance. Subsequently, on XX/XX/XXXX, I received a notification that my credit limit would be reduced. Shortly after, on XX/XX/XXXX, I was informed that my account had been closed entirely. This sequence of events is both alarming and unacceptableespecially considering that my next payment was not even due until XX/XX/XXXX. I am deeply troubled by the lack of transparency and fairness in this process. How is it possible for my account to be closed prior to my due date without any indication that I would fail to meet my payment obligations? At no point was I given sufficient notice or an opportunity to address any concerns before such a drastic action was taken. On XX/XX/XXXX, I contacted your customer service team to express my frustration and to seek clarification. During that conversation, I was advised to wait for a response following an internal review of my complaint. However, on XX/XX/XXXX, I received an email stating that the investigation had been completed and that attempts were made to contact me regarding the resolution. I want to be absolutely clear : I did not receive any phone calls, voicemails, or other forms of outreach from Apple. This claim is inaccurate and further adds to my dissatisfaction. This entire experience reflects extremely poor customer service, lack of accountability, and a failure in communication. As a customer, I feel disregarded and unfairly treated. The handling of my account and subsequent complaint has left me uneasy and questioning the integrity of your processes. I am requesting the following : - A detailed explanation for the closure of my account prior to my payment due date - Documentation of any alleged attempts to contact me regarding the resolution - A formal review of how my case was handled, including customer service interactions- Clarification on whether this action has impacted my credit reporting Please treat this matter with urgency. If I do not receive a prompt and satisfactory response, I am prepared to escalate this issue further by filing formal complaints with the appropriate regulatory agencies. I expect a timely and thorough response addressing all concerns outlined above. Sincerely, XXXX XXXX XXXX Phone Number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This account with XXXX Honda is closed and paying since XXXX XXXX they have wrong information in this report as XXXX late payments There is inaccurate information on this account regarding late payments of XXXX and XXXX days, which is incorrect. I already sent a letter directly to American Honda, and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: FL

Complaint narrative:
I am filing a complaint regarding a collection account that appears on my credit report that I believe is inaccurate and/or unverifiable. I previously disputed this account with the credit bureaus, but it was not properly investigated and remains on my report. The information being reported is inaccurate, including but not limited to the account details, dates, and/or balance. I am requesting that the collection agency provide full validation of this debt, including : The original creditor name A signed agreement showing I am responsible for the debt A full payment history Proof of authorization to collect in my state If this information can not be properly verified, I am requesting this account be removed immediately from my credit report. This inaccurate reporting is negatively impacting my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: TrueAccord Corp.
State: FL

Complaint narrative:
TrueAccord represented to me in writing that they would pause collections while I was experiencing hardship and looking for work. After making that representation, they still withdrew money from my account. That withdrawal caused an overdraft fee. Their communication was misleading because a reasonable consumer would understand pause collections to mean collection activity would not continue during that period. If they intended to continue taking payments, that should have been clearly stated. Because of their misleading communication and continued withdrawal, I suffered financial harm. I am requesting : - Refund of the withdrawn payment - Reimbursement of the overdraft fee - Written confirmation that all automatic withdrawals have been stopped- A written explanation of their account handling and authorization records

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding LoanCare , LLC and their handling of my mortgage account, which reflects a pattern of negligent servicing, misrepresentation, and actions that directly interfered with my ability to comply with a loan modification and avoid foreclosure. In XX/XX/XXXX, LoanCare offered me a trial loan modification requiring XXXX monthly payments of {$4300.00} beginning XX/XX/XXXX. I made the first required payment in good faith. LoanCare accepted this payment but did not apply it to my account. Instead, it remains in unapplied funds status, as reflected in my XX/XX/XXXX mortgage statement. While this trial plan was active, on XX/XX/XXXX, LoanCare force-placed hazard insurance on my property in the amount of {$49000.00}. This was a drastic and unjustified increase from my prior annual insurance cost of approximately {$9500.00}. This action caused my escrow account to become severely negative and increased my projected monthly mortgage obligation to over {$10000.00}. This made it financially impossible for me to complete the remaining trial payments. Despite creating these conditions, LoanCare then denied my loan modification on XX/XX/XXXX, stating that I failed to make all required payments. Additionally, in that same denial letter, LoanCare states that a credit score of XXXX was used in evaluating my application. A credit score of XXXX does not exist within any standard credit scoring model, which raises serious concerns about the accuracy and legitimacy of their evaluation process. I also have a prior executed deferral agreement from XX/XX/XXXX, signed by both parties, which restructured over {$91000.00} in arrears. LoanCare, as the successor servicer, has failed to properly honor or consistently apply the terms of that agreement. As a result of these actions : My trial payment was accepted but not applied My escrow was destabilized through excessive force-placed insurance My modification was denied based on conditions LoanCare created My account is now being pushed toward foreclosure This conduct appears to violate federal servicing standards and Texas debt collection laws, including misrepresentation of the character and amount of the debt and use of unfair or deceptive practices. This situation is further complicated by the fact that I am a verified survivor of XXXX XXXX, and prior adverse financial accounts related to this period have already been removed under federal protections ( FCRA 605C ). The continued financial harm and instability caused by LoanCares actions are particularly concerning in light of these circumstances.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within XXXX days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information please contact me at :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year>, JPMorgan Chase informed me that my checking account would be permanently closed as a final decision. I immediately contacted customer service by phone to understand the reason, ask whether the issue could be resolved, and request the general closure category. I was only told that it was a final decision, and no meaningful explanation was provided. On XX/XX/year>, I obtained my XXXX consumer disclosure report, which is completely clean and shows no derogatory information, no unpaid balances, no fraud-related closures, and no account abuse history. A few days before the closure, I used an authorized peer-to-peer transfer to add funds to my account so I could make a credit card payment. I am concerned this legitimate transfer may have been mistakenly interpreted as suspicious activity or may have triggered an internal compliance review. I have attached message screenshots and sender bank confirmation screenshots showing that the peer-to-peer transfer was requested, authorized, intentionally sent, and verified by both parties. I am requesting clarification regarding the general closure category and whether this authorized transfer influenced the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am disputing a charge of {$240.00} from XXXX dated XX/XX/2026. The merchant instructed me to return the item, which I did. The return was shipped and successfully delivered on XX/XX/2026 and signed by XXXX, and I have proof of delivery. I provided this documentation to Citibank during the dispute process. I was initially informed that my case would be reopened and resolved within XXXX business days. However, after following up, I was told the timeframe had passed and the dispute would not be reconsidered. Despite returning the item and providing proof, I did not receive a refund. I am requesting that the dispute be reopened and the charge be credited based on the confirmed return and delivery.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not authorize any charge or have any knowledge of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: IL

Complaint narrative:
LJ Ross & Associates ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX ) is reporting a collection account on my XXXX credit report for {$4300.00} allegedly owed to XXXX XXXX XXXX and XXXX XXXX ( account # # # # # XXXX, date assigned XX/XX/XXXX, date of first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress '' on my credit report as of XX/XX/XXXX. Despite this active dispute status, LJ Ross has not provided debt validation. I am an XXXX consumer and I am requesting : ( 1 ) full validation of this alleged XXXX XXXX utility debt including original account records and billing statements ; ( 2 ) proof that LJ Ross is properly licensed to collect debts in the state of Illinois under the Illinois Collection Agency Act ; ( 3 ) complete chain of ownership documentation from XXXX XXXX to LJ Ross ; ( 4 ) verification that the date of first delinquency is accurately reported as XX/XX/XXXX. LJ Ross has XXXX CFPB complaints on record with 39 % of consumers stating the debt is not theirs this is a documented pattern of failing to validate. If LJ Ross can not validate this debt in full, I demand immediate deletion of this account from my XXXX, XXXX, and XXXX credit files. I am simultaneously filing complaints with the FTC, the XXXX Attorney General, and the XXXX Commerce Commission.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My vehicle was repossessed by Chase Auto Finance after my account became approximately 4 months past due due to temporary financial hardship. I have since resolved my financial situation and now have the ability to bring the account current immediately. I contacted Chase to request the reinstatement amount in order to bring the loan current and continue making payments. However, I was informed that the only option available is to pay the full loan payoff amount to recover the vehicle. I am not disputing the delinquency or the repossession. I am requesting a reasonable opportunity to reinstate the loan by paying the past due balance, late fees, and repossession-related costs. I have funds available and am prepared to make a lump sum payment immediately to cure the default. Chase has not provided a clear reinstatement option or amount, and I am concerned that the vehicle may be sent to auction before I am given a fair opportunity to resolve the account. I am requesting an urgent review of my account for reinstatement eligibility before the vehicle is sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding and the XXXX XXXX XXXX sent a wage garnishment to my employer because they sent paperwork to an address I did not reside at so I had no chance to answer the complaint and or judgements. Highly unfair and the debt was written off by the original creditor so I asked for a XXXX and was told the debt was under XXXX so one was not needed for the IRS or myself and they are charging me over XXXX. Not accurate at all. Also I have asked for full validation of the debt and still havent received all of the required documentation they stated in letter from the court they would send.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year> at XXXX {$290.00} was taking from my cash app account unauthorized from someone unknown ( XXXX XXXX ). My phone was on my person and when I went to pay for a train ticket for work all my money was gone. I requested a refund to no avail. I have also contacted cash app support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> i received XXXX $ on chime and previously on XX/XX/XXXX i withdrew XXXX $ on mypay with chime. Usually i can receive money until a paycheck hits but they took it days after without a clear deadline, i asked and was told its automatic and undoable so i wanted to close my account but was told i wont receive any information about the company per policy. I was under the impression i got time to repay but my money was stolen/taken before i could even move to pay off the debt

Company response to consumer: Closed with explanation