vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like XXXX days of no reaction. Please Update this Item. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6100.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Legal Violations and Analysis Under the FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are strictly required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. The specific legal breaches include : Facial Inaccuracy : Reporting the same account twice with different balances is a mathematical impossibility and creates a " double jeopardy '' effect on your credit score. This artificially inflates your debt-to-income ratio and collection count. Failure to Maintain Maximum Possible Accuracy : The conflicting data ( different balances for the same account ) proves that the bureau 's reporting software and the furnisher 's ( LVNV ) data stream are failing the " maximum accuracy '' test required by 15 U.S.C. 1681e ( b ) .UCC 3-301 ( Standing to Enforce ) : Under the Uniform Commercial Code, a debt buyer like LVNV must prove they are the lawful " holder '' of the debt. Reporting the same debt twice suggests a lack of proper bookkeeping and a failure to maintain a clear " Chain of Title, '' which is required to prove they have the legal right to report the debt at all. I am disputing the XXXX LVNV FUNDING LLC entries. These accounts share the same base account number but report different balances and statuses. This is a violation of 15 U.S.C. 1681e ( b ). A single debt can not legally exist as XXXX separate trade lines with different financial figures. This 'double reporting ' is misleading, inaccurate, and unfairly suppresses my credit score. Furthermore, under UCC Article 3, I demand proof of the original 'wet-ink ' contract and the specific assignment of this debt. If you can not provide a single, verified, and accurate record of this debt, both entries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: LA

Complaint narrative:
Validation of Debt Request - JEFFERSON. CAPITAL LL - 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX engaged in deceptive pricing. Online quote showed total of {$360.00} with {$170.00} due at pickup ( confirmation screenshot attached ). At pickup, they added {$100.00} 'XXXX fee ' never disclosed during booking. Final charge was {$310.00} instead of quoted {$170.00} - {$130.00} more than advertised. XXXX fees are mandatory based on age and must be disclosed in advertised prices per FTC guidelines. Rental Record : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: MAGGUILLI LAW FIRM, PLLC
State: NY

Complaint narrative:
Repeated phone calls from XXXX. Then started to argue with me telling me im wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: GA

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I owed XXXX balance at 26 % interest, a XXXX balance at 3.99 % interest and XXXX in new purchases. I paid {$5500.00} which should have went towards the highest interest balance first and then the new purchases which would become a high interest balance. Instead they paid down my 3.99 % balance to {$300.00} and charged me {$77.00} interest by misappropriating my payment. This is in violation of my terms of service.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Columbia Debt Recovery LLC. A collection account is being reported on my credit report with a balance of approximately {$9800.00}. The account lists Columbia Debt Recovery as the original creditor, even though this company is a debt collection agency. This appears to be inaccurate and misleading. I have not been provided documentation validating the alleged debt or proving the original creditor and chain of assignment. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, debt collectors must ensure the information they report is accurate and must provide validation when requested. I am requesting that Columbia Debt Recovery provide documentation verifying this debt, including the original creditor, signed agreement, and proof of assignment. If this information can not be provided, the account should be removed from my credit reports. I am requesting that the credit reporting agencies delete this account if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
I opened the business account on XX/XX/year>. A bonus of {$300.00} each month for 3 months was to be credited to my account. The first month only {$150.00} and the succeeding two months {$300.00} each for a total of {$750.00}. The online brochure/terms were misleading. I would have waited until the first of the month to receive the full {$300.00} according to their daily balance rules. I did have the account open 3 full months.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I returned my leased XXXX XXXX XXXX XXXX after completing all XXXX required monthly payments under the lease agreement. At the same time, I entered into a new lease for another XXXX XXXX XXXX, specifically relying on the lease provision stating that all termination fees would be waived if I re-leased another XXXX vehicle. Both leases were financed through XXXX XXXX XXXX, the manufacturers leasing company. In XX/XX/XXXX, when I checked my online account, it incorrectly showed that I still owed additional monthly payments. I contacted the company and was told the website was wrong, but I was then informed that I allegedly owed a {$490.00} lease termination fee. I was pressured to make an immediate payment over the phone. I refused and requested a written bill or explanation. No bill or documentation has ever been sent to me. During the call, I also reminded them that the lease agreement explicitly waives the termination fee if the customer leases another XXXX, which I did. Their representative responded that because XXXX had been taken over, they are no longer leasing XXXX vehicles and are therefore not honoring the loyalty clause in my contract. This explanation is unacceptable. I entered into the lease agreement with this provision in place, and I fulfilled the condition by leasing another XXXX. A change in their corporate structure or business practices does not allow them to unilaterally ignore a contractual provision. I am requesting that : The {$490.00} termination fee be removed immediately. My account reflect that the lease obligations were fully satisfied. Written confirmation be provided that no balance is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I got identities theft they take a loan {$1000.00} I'm not aware

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: CA

Complaint narrative:
On XX/XX/XXXX, my Apple Card was charged {$5500.00} by a merchant identified on the statement as XXXX * XXXX. After the transaction, the merchant introduced new conditions that had never been disclosed during the sales discussions, including a requirement that I open additional financial accounts and deposit between {$7500.00} and {$9000.00} in cash. These undisclosed requirements made the promised line-of-credit arrangement impossible and constituted a material misrepresentation of the services being offered. Because the transaction had been obtained through misrepresentation, I disputed the charge with Apple Card. A provisional credit was issued during the investigation. The provisional credit was later reversed without explanation. I contacted Apple Card and resubmitted my dispute. A temporary credit was again issued during a reinvestigation. On XX/XX/XXXX, Goldman Sachs again reversed the provisional credit and informed me that the charge would remain on my account because there was no evidence to substantiate the claim. No explanation was provided as to what evidence the bank relied upon, and no documentation from the merchant has been disclosed to me. I have requested copies of the documentation relied upon in reaching this determination. My concerns are : 1. The transaction resulted from material misrepresentation by the merchant. 2. The provisional credit was reversed twice without meaningful explanation. 3. Goldman Sachs has not disclosed the evidence relied upon to deny the dispute. -4. The handling of this dispute has resulted in negative credit reporting and financial harm. I am requesting that the CFPB review Goldman Sachs Bank USAs handling of this dispute, require disclosure of the merchants evidence, and ensure that my billing dispute is investigated in accordance with the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX, Lakeview Loan Servicing received two insurance checks totaling {$61000.00} for property repairs. Despite having the funds, Lakeview delayed the first payout for my home 's roof ( {$21000.00} ) until XX/XX/XXXX due to pedantic paperwork requirements. This five-week delay caused my roofing contractor to pull out of the project, leaving the remaining buildings on my property unrepaired with no labor. Since XX/XX/XXXX, Lakeview has wrongfully withheld the remaining {$40000.00}. They cited an arbitrary policy requiring a signed contract from a licensed contractor and a 100 % completion inspection. Because legitimate contractor bids at the time were approximately $ XXXX was {$25000.00} more than the remaining total insurance claimI submitted a formal application for self-repair. Lakeview denied my self-repair application, effectively trapping me in a " mathematical deadlock '' : they would not release funds to me, and no contractor would take the job for the amount held. In XX/XX/XXXX, only after I initiated formal complaints, Lakeview released a partial payment of {$14000.00} based on my personal receipts. This release proves their " Licensed Contractor '' and " 100 % Completion '' requirements are discretionary hurdles, as they bypassed them for this payment. Yet, they still withhold the remaining {$26000.00} and refuse to release it until a 100 % completion inspection is passed. A customer service agent confirmed on XX/XX/XXXX that they will not deviate from this script. This bad-faith deadlock forced me to attempt hazardous structural repairs myself to prevent building collapse, resulting in physical injury. I seek the immediate release of the remaining funds and 12 % statutory interest on the withheld principal ( {$40000.00} ) from XX/XX/XXXX to present per Neb. Rev. Stat. 45-104.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NJ

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, c ontract, 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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I tried to cancel my gym membership by phone, but was told I had to cancel online. When I went to the website, I was required to accept updated terms of service and agree to pay a cancellation fee that was never disclosed when I signed up. I refused to accept new terms and instead sent a written cancellation via email on XX/XX/year>. Despite this, the gym continued to charge my account and added a cancellation fee. I formally disputed the debt and requested proof of the agreement, the fee clause, and authorization to bill after cancellation. No documentation was provided. The debt was then sent to a collection agency while still disputed, which is illegal under the Fair Debt Collection Practices Act. I demand the charges be reversed, the debt withdrawn from collections, and my membership canceled as of XX/XX/year>. What they are doing in highly unprofessional and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account that has been placed with your agency for collection. Prior to the account being sent to collections, I made attempts to establish a repayment arrangement to resolve the balance. Unfortunately, despite those efforts, the account was transferred to collections. My intention has always been to resolve this matter responsibly. At this time, I would like to work toward a mutually agreeable resolution that allows this account to be settled. I am prepared to settle the balance ; however, because this account was sent to collections despite my prior attempts to resolve it, I respectfully request that any settlement agreement include the complete removal of this collection account from my credit reports with XXXX, XXXX, and XXXX. If your company is willing to agree to this request, please provide written confirmation on your company letterhead stating that upon receipt of the agreed settlement payment, your company will request the deletion of this account from all credit reporting agencies and report the account as resolved. Once I receive written confirmation of these terms, I will promptly arrange payment of the agreed settlement amount. Thank you for your time and consideration. I look forward to resolving this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to these inquiries, and they are inconsistent with my financial records. Please investigate and resolve this issue right away. Documentation is provided.

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 2026-03-05 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: Law Offices of Timothy M. Sullivan
State: MI

Complaint narrative:
I mailed a written dispute requesting full validation of this alleged debt. Specifically, I requested ( 1 ) the original agreement and personal guarantee, ( 2 ) a complete payment history and accounting, and ( 3 ) documentation establishing the collector 's legal authority to collect and report the account. No substantive validation has been provided. Despite the absence of competent documentation, the account continues to be reported. Continued furnishing of disputed and unvertified information violates the Fair Credit Reporting Act, including, 15 USC 1681 e ( b ), 1681 i ; and 1881 s-2 ( b ). Upon receipt of a dispute, furnishers are required to conduct a reasonable and correct or delete information that can not verified.

Company response to consumer: Closed with explanation