vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XX/XX/XXXX, an authorized signer was formally removed from my checking account through a signed and notarized request. In XX/XX/XXXX, a new signature card confirmed me as the sole authorized account holder. Despite this, the bank later acknowledged that the removed individual continued to have visibility into, and access to, my account information until XX/XX/XXXX. The bank further admitted that this constituted an unauthorized disclosure of nonpublic personal information. In XX/XX/XXXX, I submitted a written statement of unauthorized ACH debits and requested a stop payment. The documentation associated with this dispute included my account number but did not properly identify me as the account holder and was later mailed to a third partys address. I did not receive required correspondence related to the dispute, and the claim did not appear in the banks dispute tracking system. On XX/XX/XXXX, I submitted a formal written complaint via certified mail requesting an explanation of how unauthorized access persisted after removal of the authorized signer, details regarding the disclosure of my account information, and documentation and outcome of my dispute claim. The bank confirmed receipt but did not provide a timely substantive response. In XX/XX/XXXX, the bank issued a written response acknowledging the unauthorized disclosure and stating that account access issues had been corrected. However, the response did not provide a clear explanation of how or why the access persisted for an extended period of time, nor did it fully address the handling and resolution of my dispute claim. Additionally, after my complaint was submitted, I received replacement account materials, including a debit card and checks, with incorrect personal information, raising further concerns about the accuracy and integrity of my account data.

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 2026-04-13 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am filing a complaint regarding a dispute on my Apple Card issued by Goldman Sachs Bank USA that was denied twice. On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX for {$790.00}. This species typically lives XXXX years when healthy. Within a few months of purchase, the bird began showing symptoms including puffed feathers and lethargy and ultimately passed away in XX/XX/XXXX. These symptoms are consistent with advanced illness in birds, which are known to hide signs of illness until the condition becomes severe. I disputed this transaction as defective merchandise due to a likely pre-existing condition. However, Goldman Sachs denied the dispute on the basis that the item was received, without adequately addressing whether the merchandise was fit for sale at the time of purchase. I provided all requested information during the dispute process and cooperated fully. Despite this, the dispute was denied twice without proper consideration of the defective merchandise claim. This complaint is not about receipt of the item. It is about the failure to properly investigate and evaluate a claim involving merchandise that may have been sold with an undisclosed health condition. I am requesting that Goldman Sachs conduct a fair and thorough review of this dispute under defective merchandise guidelines and provide a proper explanation of how this determination was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: OH

Complaint narrative:
My partner and I have been loyal Volkswagen of America customers for almost two decades, In XXXX of XXXX we traded in a new vehicle with positive equity towards a leased XXXX XXXX. This lease end term was set for XXXX of XXXX. We were going to purchase this vehicle at the end of this term for XXXX ( as stated in the contract ). Unfortunately in XXXX of XXXX I was involved in an accident resulting in a total loss of the vehicle. I as the insured spoke to state farm and negotiated a higher payout from my policy for the vehicle due to putting a brand new set of tires ( {$970.00} ) on the vehicle in XXXX of XXXX. The total payment issued to Volkswagen was {$19000.00}. The payoff amount owed to Volkswagen was XXXX plus the insurance deductible of {$500.00} equal to {$18000.00}. These calculations leave a remaining balance of approximately {$1000.00}. Per the signed contract in my possession, Section 25 ( b ) states ; if the insurance settlement we receive is greater than the XXXX balance, you will receive a credit for any excess up to the amount of additional credits. Therefore my contract states I am due the remaining balance in form of a credit. When I contacted the Volkswagen XXXX XXXX department and customer service no one could answer my question or give me contact info for someone who could help with this matter. I was then directed to the supervisor of the XXXX XXXX department, XXXX who left a voicemail but was unreachable with each attempt of contact after that. I attempted to call again inquiring how the credit will be received but given no information, XXXX directed me to review a section of the contract section 24 but that does not apply to this situation. These suspicious evasive activities have led to contractual violations making this department negligent and fraudulent. I asked for specific contract verbiage stating Volkswagen gets to keep credit contractually owed to the consumer/ customer and they could not locate any. I am hoping this issue can be resolved without further implications or litigations. If any party could provide documentation negating this contractual agreement then this situation would need no escalation but unfortunately I have received no answers or resolutions, these actions have changed the credibility of Volkswagen of America 's honest business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX. I financed through onemain bank. I have never received a registration for this vehicle. The dealer went out of business. One main keeps telling me they will fix it but they have not. I have to keep paying for this car or they will ruin my credit according to them. I have XXXX XXXX dollars invested in this and a car I can not legally use. Can you please help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing this complaint because unauthorized transactions totaling {$8400.00} were withdrawn from my Chime account without my permission. When I noticed the fraudulent charges, I immediately contacted Chime, and they instructed me to file a police report, assuring me that once I submitted it, the stolen funds would be returned. I followed all instructions and provided the police report, but Chime denied my claim without explanation. When I contacted them again, they could not tell me why the claim was denied and simply told me to restart the process with new information. I resubmitted the police report and received no response. I did not authorize any of these transactions, and the charges show purchases made at multiple stores across XXXX. Chime has failed to properly investigate or reimburse me as required under Regulation E. I am requesting the CFPBs assistance in recovering my {$8400.00} and ensuring Chime complies with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/scrub>XXXX a deposit originating from the sale of company-owned stock was credited to my USAA checking account. Upon verification that the funds were available, I initiated a transfer of {$7000.00} from my checking account to my savings account. The USAA system successfully validated and executed this transfer, confirming that the funds were cleared and present in the ledger at that time. The Issue : The following day, I discovered that the {$7300.00} deposit had vanished from my transaction history. Furthermore, my account reflected an overdraft status, and the transferred funds were no longer visible in my savings account. Effectively, over {$7300.00} in capital has disappeared from the total account balance without a corresponding debit or reversal entry in the ledger. Failure of Support Escalation : I contacted USAA support on XX/XX/year> to report this missing capital. The response from both the primary representative and the escalation team was insufficient : Denial of Record : Representatives stated that because they could not " see '' the deposit in the current view, it never occurred. Systemic Logic Conflict : Support failed to address the fact that the internal transfer to savings could not have occurred had the funds not been successfully deposited and cleared initially. Refusal of Service : Leadership was cited as " not public-facing, '' and there was an initial refusal to open a security or technical investigation ticket despite a significant loss of funds. Requested Resolution : Immediate restoration of the missing {$7300.00}. A written explanation of the technical failure that allowed cleared funds to be removed from the ledger without a trace.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am filing this complaint against First Credit Services for reporting a fraudulent and unverified collection account on my credit report as a result of identity theft. The account ( Account # XXXX ) is not mine and was not authorized by me. This account is being reported as a collection/charge-off with inconsistent and misleading information, including a {$0.00} delinquent amount while still reporting a balance of {$200.00}. I am a documented victim of identity theft and have already filed an FTC Identity Theft Report and police report. Despite this, First Credit Services continues to report this fraudulent account without providing any proof that I am responsible for the debt. Under the Fair Credit Reporting Act : 605B, I have the right to have identity theft-related information blocked from my credit report 611, a reasonable investigation must be conducted 607 ( b ), all information must be accurate and complete I have disputed this account and requested verification, yet no documentation bearing my signature or proving ownership has been provided. Continuing to report this account is a violation of federal law. I am requesting : 1. Immediate deletion of this fraudulent account from all credit reporting agencies 2. Written confirmation that this account has been permanently removed 3. Documentation of how this account was verified despite my identity theft report If this matter is not resolved promptly, I am prepared to pursue further legal action for violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Klarna AB
State: OK

Complaint narrative:
On XXXX I ordered a product from XXXX, On that same day I cancelled, however I was informed the product was already sent out ( XXXX XXXX supply ). My payment method was through Klarna. I have spent the last XXXX XXXX trying to resolve this matter with Klarna. They indicate they paid the full amount and there was no refund from the vendor. However XXXX advertises, cancel anytime and money back. Now XXXX is stating there is no account for me, how does that happen when Klarna indicates they paid the full amount. To date I only received XXXX shipment, yet they want me to pay the full amount for something I never received. Klarna or the collection company will not provide me with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing a complaint against XXXX XXXX, Midland Credit Management for reporting inaccurate, incomplete, and unverifiable information. XXXX is reporting a collection and Midland Credit Management with inconsistent dates, missing XXXX, and unverifiable balances. XXXX has provided no documentation. XXXX is reporting accounts with inconsistent payment histories and unverifiable charge-off data. These actions violate : - FCRA 602, 609, 611, 623 - FDCPA 809 ( b ) - XXXX XXXX standards - Case law : XXXX, XXXX, XXXX, XXXX I request deletion of unverifiable accounts and correction of inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
That I was unaware of this bank account mt bank they accept my us treasure check forge my check and the preprer use my info to create bank account in my name file return with the Irs and the bank manger allow the preprer deposit the fund into her account that was her not mine it was credit to her account I never put that bank account info she black mail she open up bank account I never gave her permission to open it up I wan na report mt for my refund being and stolen take from my prepare the bank was involve in the fraud the bank manger also I want rebust back investgate

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 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I asked on email if the debt was paid will it be deleted from my credit report and a rep name XXXX told me yes I have receipts of debt paid and emails of her saying that she reached out to the credit bureaus to let them know to remove debt. Im reaching out because I would like this debt removed from collections off my credit report please and thank you. Im trying to buy a house and it made my score drop

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: A-1 Premium Acceptance, Inc.
State: WI

Complaint narrative:
This is a response to the king of kash form my complaint number XXXX there has been no refund sent to my account when asking for the refund date there is no date to be given so I submitted my bank statements all the way from XXXX showing there was no refund for the money took or any money monetary damage paid to me thought my bank account they have done nothing but lie about refunding this money evertime I call it a different story one person says we sent over a message to the funding department for a a check to be mailed which was XXXX I just spoke with employee by the of XXXX who does not have a date as to when this refund was sent out its has been nothing but lies since this money was taken from me for a loan I did not own because it was never funded and all I got is the run around about my missing money I have submitted my new account information numerous times with them saying it was being rejected by the bank it's just been a back and forth and I have kept all of my evidence to prove that no refund was received or monetary relief also I'm asking for proof when this refund was sent over to my bank because your staff is unable to give me a answer and they also state that you as the funding department does not respond to them as well

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANNER CORPORATION
State: IL

Complaint narrative:
XXXX usd approximately paid for a non-incorporating service accreditation. Personal asset uses without market value exclusion from fee reports and social security number mentions.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FRA ) Please investigate the following accounts XXXX XXXX XXXX XXXXXXXX XXXX there is no account number attached The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a complaint against Midland Credit Management XXXX XXXX regarding deceptive, unfair, and inconsistent debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). This matter has already been the subject of a prior CFPB complaint ( Case # XXXX ), in which Midland responded and stated that they had ceased reporting the account to all credit reporting agencies. They also confirmed the account was marked as cease and desist. Despite this, Midland has continued engaging in improper collection activity. On XX/XX/2026, Midland Credit Management generated a pre-litigation notice stating that I was required to respond by XX/XX/2026 to avoid further legal action. However, the envelope containing this letter was postmarked XX/XX/2026, which is after the stated response deadline. I did not receive this letter until XX/XX/2026. Because the letter was mailed after the stated deadline, I was not provided a meaningful opportunity to respond prior to further action being taken. On XX/XX/2026, Midland Credit Management filed a lawsuit against me in XXXX XXXX XXXX XXXX ( Case No. XXXX ). I was formally served with the summons and complaint on XX/XX/2026 ; the same day I received the delayed pre-litigation letter. This sequence of events raises serious concerns regarding the timing and accuracy of Midland Credit Managements communications, as well as whether I was provided a fair and reasonable opportunity to respond prior to the initiation of legal proceedings. Additionally, this is not the first instance of questionable conduct related to this account. In prior correspondence, I disputed the debt and requested validation. I also documented concerns regarding inaccurate credit reporting and inconsistencies in Midlands representations about the account. Despite these prior disputes and documented concerns, Midland Credit Management proceeded with legal action following a pre-litigation notice that was not delivered until after its stated response deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, my vehicle was a total loss. I have a GAP waiver ( Contract # XXXX ) that should have covered the {$16000.00} deficiency balance. However, the administrator, XXXX XXXX, issued a denial on XX/XX/year>, alleging " Commercial Use '' of the vehicle. This denial is factually incorrect. My official Florida Vehicle Registration ( attached ) explicitly classifies the vehicle use as " PRIVATE. '' I have provided this evidence to the company, but Credit Acceptance continues to report this inaccurate balance as a delinquency on my credit report. I have opened a formal investigation with the Florida XXXX XXXX XXXX XXXX ( Case # XXXX ) regarding this bad-faith denial. Credit Acceptance is reporting a debt that is not legally owed based on the terms of the GAP contract and my actual vehicle registration. I am requesting that Credit Acceptance cease negative reporting and update the account to reflect the pending insurance correction.

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