vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-04 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: AZ

Complaint narrative:
" Jefferson Capital Systems is ILLEGALLY reporting a fraudulent debt on my XXXX credit file that DOES NOT BELONG TO ME. On XX/XX/year>, I received a dispute result where XXXX deliberately ignored my consumer rights by 'verifying " false information without providing a single contract signed by me. I demand that Jefferson Capital provide physical proof of this {$2400.00} debt immediately or proceed with its TOTAL DELETION. Reporting unverified data and failing to conduct a meaningful investigation are FLAGRANT VIOLATIONS of the FCRA and FDCPA. I will not accept anything less than the immediate removal of this fraudulent account from my credit history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
" I have been systematically denied access to my bank statements and account history for nearly two years. This begaaccess to my bank statements and account history for nearly two years. This began with an email to XXXX XXXX on XX/XX/XXXX, reporting thousands of dollars in unverified overdraft fees. Despite opening this account in XX/XX/XXXX during the immediate aftermath of my husbands suicide a situation the bank was fully aware ofI have had almost no functional portal access. The banks refusal to help has been persistent and abusive. I even had to hire a lawyer to accompany me to the bank just to demand access, yet the issues remain unresolved. My repeated requests for paper statements in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX have all been denied. Instead of professional assistance, I have faced targeted harassment. The Bank Vice President personally shamed me for my spending habits, and a staff member named XXXX verbally abused and yelled at me until I was in tears. This conduct made me feel worthless and prevented me from resolving these issues. The bank has exploited my personal tragedy to withhold my financial records while continuing to charge fees I can not verify. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: NY

Complaint narrative:
I had a contract with XXXX XXXX to cancel my timeshare using an exit strategy. The contract was voided due to them, not fulfilling their contractual obligation. I explained that to them as in XXXX and opposed to them responding they sent me to a collection agency by the name of starmark. I explained to star XXXX that the contract is XXXX XXXX due to the fact that XXXX did not fulfill their contractual obligation. XXXX XXXX then sold the deck without validating the debt to Omega RMS Omega RMS they not reach out did not send a letter did not call so I could explain to them. The contractor obligation was not fulfilled. Instead they star mark sent or sold the debt thats not owed to Omega RMS.

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

Complaint narrative:
I am submitting a complaint regarding the closure of my Apple Card account issued by Goldman Sachs Bank USA. I was recently approved for an Apple Card and began using the account for normal, legitimate purchases. Within days of account opening, I received notice that spending was blocked on the account. When I contacted support, I was told that the charges appeared legitimate and that the account was under a higher-level review. I was not given a clear explanation of the issue or any specific action required from me. On XX/XX/2026, I received a notice stating that my Apple Card account had been closed and could no longer be used for purchases because there was a failure to comply with the terms of the Customer Agreement. The account balance shown was {$0.00}. My concerns are : 1. I was not given a clear explanation of what specific conduct or issue supposedly violated the agreement. 2. I was not told what information or verification, if any, was needed from me before the closure. 3. The process was opaque and did not provide a meaningful opportunity to address the issue. 4. I need clarity on how this closure will be reported to the credit bureaus. I am requesting that Goldman Sachs provide : 1. A clear written explanation of the basis for the closure, to the extent permitted by law. 2. Confirmation of whether the closure is permanent and whether any appeal or review process exists. 3. Written confirmation of exactly how the account will be reported to the credit bureaus. 4. Correction of any inaccurate credit reporting related to this account, if applicable. Timeline : * Account opened : approximately XX/XX/2026 * Spending blocked notice received : within days of opening * Closure notice received : XX/XX/2026 The account had a reported balance of {$0.00} at the time of closure. Goldman Sachs approved my Apple Card account and then closed it less than a week later without a clear explanation and without first giving me an opportunity to verify, clarify, or resolve any anlleged issue. If this action resulted from Goldman Sachs own error, an internal review issue, or a misunderstanding for which no meaningful explanation or appeal process will be provided, then I request complete removal of all Apple Card-related reporting from my credit files with XXXX, XXXX, and XXXX, including any tradeline reporting, negative account designation, and any hard inquiry tied to this account. Additional information provided by consumer : XXXX Goldman Sachs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Ok the told me the day passed to redeem my rewards which was {$250.00} they claim i never responded but they said XX/XX/year> was the last day to redeem until I went in yesterday in the evening I found this out I try to reach out the card was very hard to get to anyone I had to speak to an machine for a very long time until they give me a number to speak to someone who give the run around and then told me I forfeit my rewards and there is nothing I can do.

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 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
These debts were when I was married to my XXXX XXXX over XXXX years ago to XXXX XXXX!! He left me in XXXX and therefore I couldn't pay for all this myself and apparently he didn't pay for any of it when he was supposed too! He was the XXXX working. I was a stay at home mom! And this address of XXXX, TX ... thats where he worked and lived! I have never worked or lived there! I have only worked and lived in Louisiana! And my last name is not muray, XXXX, or XXXX anymore! Its XXXX. I have disputed all these several times! And I have had a few come back and say they can't be disputed! No, these are all going on XXXX XXXX XXXX, charged off, and need to be removed from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
They told me paid XXXX XXXX and something for the year only a XXXX went to principal. I ask could we refinance the they say they dont refinance. I tried other financial place the want refinance because they say the over charge for the car. I have paid my bills but Im XXXX XXXX I dont have it like that for a XXXX to go principal I tried all options no one want to help I want out of the financial deal the can have the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX RECEIVED A LETTER VIA USPS STATING AN ATTEMPT TO COLLECT A DEBT BY PENN CREDIT CORPORATION FOR FLORIDA DEPARTMENT OF TRANSPORTATION FROM XXXX IN THE AMOUNT OF {$28.00}. I RESEARCHED THIS ON XXXX XXXX WEBSITE AND CALLED XXXX XXXX XXXX NUMBER AND A REPRESENTATIVE SEARCHED BUT DID NOT FIND ANY SUCH VIOLATION OR FEE ASSOCIATED WITH MY NAME ADDRESS OR XXXX XXXX ACCOUNT NUMBER, PENN CREDIT PROVIDED IN THE LETTER. I CALLED PENN CREDIT AND WAS BEING DIRECTED TO PAY THIS DEBT IMMEDIATELY AND WAS FORWARDED TO A COLLECTION OPERATOR WHO WANTED MY BANK ACCOUNT NUMBER. I HUNG UP THE PHONE AS A SCAM. I THEN SENT A REQUEST BY EMAIL TO XXXX, REQUESTING VERIFICATION AND VALIDITY OF THIS DEBT. NO RESPONSE FROM ANYONE. I DO NOT HAVE THE ADDRESS ON THIS LETTER, SO IM NOT SURE HOW I RECEIVED IT. IN XXXX I HAD A TRANSPONDER IN MY VEHICLE WHICH WOULD HAVE COVERED ANY SUCH LEGITIMATE TOLL CHARGES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
I cancelled my XXXX membership over the phone, and in writing, yet they continued to charge me for XXXX months past my written request for cancellation. After XXXX months, they sold me a welcome back membership, which led me to realize I was still be charged for the membership I had cancelled months earlier. I then requested to cancel everything ( again ) and receive a refund. The cancellation was acknowledged, the refund was denied. Even thought the cancellation was confirmed via email, XXXX continued to bill me monthly. I then instructed XXXX XXXX to deny all charges from XXXX. I was contacted by Aldous & Associates P.L.L.C. to collect for a cancelled health club membership in XX/XX/XXXX. This membership was cancelled in writing XXXX of XXXX with no further payments due. XXXX XXXX continued to charge me $ XXXX until I disputed and blocked any request for payment from XXXX XXXX in XXXX of XXXX through my credit card company, XXXX XXXX XXXX After XXXX calls with the Aldous team in XX/XX/XXXX, XXXX of which I was threatened with damage to my credit score, I sent a document package via registered mail to the Aldous offices with the background. The firm received this on XX/XX/XXXX. The firm sent me a letter via USPS that the documents proved there was no collection here, and the case was dropped. XXXX continued to try to bill me, was denied, and I instructed XXXX to stop calling me with attempts to collect on a cancelled membership. XXXX sent this again to Aldous to collect. Aldous, despite sending me written confirmation that this collection effort had been dropped, then asked to collect {$80.00} and submitted this to the credit agencies. The health club and the collection firm are continuing a cycle of billing and collecting after multiple written confirmations of membership cancellation and confirmation from the collection agency that no debt is owed. The credit agency sent me this notification via email with no ability to reply or electronically submit and inquiry, only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: OH

Complaint narrative:
I am disputing inaccurate information on my credit report regarding my XXXX XXXX XXXX loan ( Account # XXXX ). The vehicle was stolen and crashed, and the airbags deployed. A police report was filed and provided to XXXX XXXX XXXX. The vehicle was declared a total loss on XX/XX/XXXX, and my insurance company, XXXX, paid the actual cash value. My XXXX coverage, included in my original loan contract, was supposed to cover the remaining balance in full. XXXX XXXX XXXX has already applied only {$1000.00} of my XXXX coverage, which does not satisfy the full balance. When I requested documentation, they initially provided papers that showed XXXX XXXX coverage applied. The original contract I signed does include XXXX coverage, but the copy provided to me is missing the coverage details. Additionally, Volkswagen initially allowed me to do a voluntary surrender while the vehicle claim was in process, which I signed, but later they reversed this decision. During this time, they reported late and delinquent payments to the credit bureaus even though my insurance and XXXX coverage were processing the total loss. I am requesting that the credit bureau investigate this dispute, verify the accurate XXXX coverage with XXXX XXXX XXXX, and correct my credit report to reflect the proper application of GAP insurance, effectively zeroing out the balance. Documentation from my insurance company and the original contract is available to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-04 00:00:00
Product: Credit card — Store credit 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: OH

Complaint narrative:
On XXXX XXXX of XXXX 2 purchases were made on my Citi Wayfair card totaling {$91.00}. Citi claims they have done 3 investigations into this matter all making responsible for these purchases. I spoke with a member from wayfair who with in 5 minutes was able to trace the up address for the purchases to a location in Illinois ; I live in Ohio. Citi told me that I would need to file a police report which I did. Still trying to hold me responsible.

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 2026-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XXXX I was using the ATM at US Bank in XXXX, Wa. The Deposit container kept spitting out one of the XXXX XXXX bills So I would make sure the bill was flat and replace it for the deposit. After the fourth try the ATM machine shut down and spit out a receipt stating a machine error has occurred your account or return some of the items you attempted to deposit. It only gave me credit for trying to deposit {$500.00} instead of the {$600.00} I deposited and didn't give me back any money at all. I immediately went inside and talked with the US Bank Manager XXXX XXXX and she said I would have to call the XXXX bank fraud # and talk with them. I did this and filed a complaint. I am DEMANDING my {$600.00} back. There is no excuse for this. NONE. I've been banking with US Bank for over 55 years. I want ATM to review the security cameras to show I'm telling the truth and see if the customer that used the atm after me was given my money. I watched him through the glass window while waiting for bank management. It occurred XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US Debit # XXXX. I also have the serial # of each {$100.00} bill deposited. XXXX XXXX XXXX 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 2026-04-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: OK

Complaint narrative:
this is an app called albert. i downloaded their app on XX/XX/26. i immediately realized they were going to charge me money so i began the process to cancel the account. they do banking and account management. i have gone through all their processes and they keep stalling on closing my account. they've also charged my account twice - XXXX for XXXX, the other for XXXX XXXX. i have followed all steps to sever the business from my account and close the account but they keep saying i can't. there is no clear unsubscribe or delete option and they refuse to allow me to unlink my bank account or debit card which gives them free access to my account. i have called XXXX XXXX, sent and email and chatted multiple times without resolution. their ai and text messaging is not helpful and takes you in circles just repeating the same steps. i have demanded unsubscribing and for my bank and debit card to be unlinked and my account deleted and they refuse to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
I am submitting this complaint against Synergetic Communication Inc. for attempting to collect a debt that was discharged in my bankruptcy. I filed for XXXX XXXX bankruptcy protection, and my case was successfully discharged in 2024. The debt that Synergetic Communication Inc. is attempting to collect was included in that bankruptcy and is no longer legally enforceable. Despite this, the company has continued its collection efforts. This includes attempts to collect payment on a discharged debt, which is a direct violation of the bankruptcy discharge injunction under federal law. Once a debt is discharged, creditors and debt collectors are permanently prohibited from attempting to collect that debt. Their actions have caused confusion and distress, as I have already received a lawful discharge relieving me of personal liability for this obligation. Continuing to pursue collection after discharge is improper and unlawful. Additionally, if this account is being reported on my credit report as an active or collectible debt, it may constitute inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ), as discharged debts must be reported accurately ( typically as discharged in bankruptcy with a XXXX balance ). Requested Resolution : I respectfully request that Synergetic Communication Inc. : Immediately cease all collection efforts related to this discharged debt Update any credit reporting to reflect that the debt was discharged in bankruptcy with a {$0.00} balance Provide written confirmation that the account has been closed and no further collection will occur Ensure full compliance with the bankruptcy discharge injunction and all applicable federal laws If these actions are not taken, I reserve the right to pursue further remedies for violations of the discharge injunction and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been trying to fix my credit up for years I'm a victim of identity theft people have property in my name in Florida so someone please help me to get my credit straighten out because I'm a victim of identity theft

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 2026-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I applied on XX/XX/year> for a capital one savor card with incentive spend XXXX get XXXX. The company switched me to a savor card that had no incentive. I only applied for incentive card, not the one they switched me too. They refused to work with me. It is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Resurgent capital services. Original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current owner LVNV funding LLC reference ID XXXX. Trying to collect for a Utility bill from XX/XX/year> that was fraudulent do to identy theft. I disputed it. I sent paperwork. I did everything to prove it was not me. I've never lived in texas.This is a fraudulent case.They said they would take care of it and send me more paperwork to verify it's fraudulent. got paperwork sent it back never heard from this company again. And now they're sending me more paperwork, saying that I owe them money.This issue should have already been taken care of and closed due to identity theft, which I made a report with the f t c. I am afraid they're going to try and ruin my credit like they did In the past. I had to correct that issue with the bureaus. I am tired of them sending me a bill when this was never me due to identity theft. Resurgent capital services only wants money does not want to resolve the issue that my identity was taken and the company they represent allowed someone to open up an account without a credit check which would have shown that my accounts are frozen due to identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Old landlord ( XXXX XXXX ) sent our debt to a collection agencey ( after delibertly ignoring my requests for information and contact in a timely manner, causing the debt to go to collections ). The company, National Credit Systems ( NCS ) refuses to send us anything other than an auto generated system letter on occasion. They claim they do not have the ability to email or send paper mail. They also ( on their paymen portal ) do NOT have ANY move out documents uploaded. We already paid a settlement, after this we want the negative remarks removed from our ( myselfand XXXX XXXX ) credit histories

Company response to consumer: Closed with explanation