vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I opened account with golden1 credit union back in XX/XX/XXXX. They sent a flier to me in mail saying Open a new checking account by XX/XX/XXXX and perform following activity For two consecutive months, receive {$500.00} in direct deposits by XX/XX/XXXX After verification your bonus will be posted no later than XX/XX/XXXX. I called them around XX/XX/XXXX and spoke to bank rep asking why my bonus isn't posted they said we will look and get back to you in one business day. Six days went by and nothing from their end. I called them again on XX/XX/XXXX enquiring about non receiving of bonus. First the rep said you had to do 3 months of direct deposit, not 2 months. I said it's clearly mentioned on the flier that I had to do 2 months of direct deposit. Then he said these are not direct deposit. I said these are direct deposit of my paycheck thru my employer which they were Then he said send me copy of the flier via email which I did Then he said you had to do 500 deposit more than three times I told him it clearly says on flier two consecutive months totalling 1000+ which I did Infact I did 3 direct deposits of XXXX each, one in XXXX and two in XXXX. Totalling {$1500.00}. I met they criteria in every way and they were finding excuses to deny and not uphold their terms of the deal

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
I was asked to verify my information with concord credit on XX/XX/year> and I did so successfully. Then because I changed my address and email I the company put a block on my card which caused me not to be able to use it for my hotel while traveling. I called the company to lift the block and they told me that I had to submit my ID again and basically that I didn't have a right to update my information as I saw fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been calling Capital One about emails and letters I received regarding confirming my account and they told me the correspondence was not from them. In addition, I filed out a phishing email form to inform them of the issue. My bank account and my credit cards are now restricted and Capital One is not actively looking into this issue. I have bills auto drafted from my credit card and I am now incurring fees due to payment failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Block, Inc.
State: OK

Complaint narrative:
So cashapp let me barrow a XXXX dollars. After paying back several times on time they increased the amount to XXXX. The account got flagged for fraud but fraud was never committed. When I tried to pay the amount back the cash app account won't let me add any money or receive any money or add a debit card at all. I feel like that is illegal because a person should be allowed to pay a loan at any time. They sent me to different numbers and emails and no response only to try to increase the interest rate. I feel like I should sue them for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
My Pay in XXXX payments through pay pal was unfortunately/accidentally reported as fraud so the initial payments and charges got sent back to card. Pay pal sent me to collections for unpaid debt. I paid off the debt to the collection agency. The agency has refused to communicate with XXXX XXXX about my debt being cleared because of that XXXX XXXX has my account in delinquency. The debt was paid XX/XX/year> to Jefferson Capital, I spoken with XXXX XXXX XXXX and they told me they don't have to communicate. XXXX XXXX just has me in circles mentioned that i need to talk to the agency because my account is still on notice so i can use the " XXXX in XXXX ''. I have a letter from XXXX confriming my debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX, I received a Capital One offer on my Capital One XXXX XXXX credit card for a XXXX points to make a XXXX purchase -I made a purchase using shopping trip XXXX XXXXXXXX and I received a confirmation that I had earned XXXX miles -On XX/XX/XXXX, I received an email that I received XXXX miles, XXXX less than expected -I called Capital One on XX/XX/XXXX to request the points and they reported they could not do so and instead would provide a statement credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
In XXXX of 2024, after 10 years of payments, the outstanding balances on my loans were forgiven through the XXXX program. When I log into studentaid.gov, it shows my loans as forgiven with {$0.00} balances. I recently tried to get a loan to purchase a house, the bank XXXX cited my student loans as a reason why they could not approve a loan for me. The loan XXXX said that my credit report showed my loans were still being reported as deliquent and in arrears. The loan XXXX mentioned Navient, but all my Navient managed loans were transferred to MOHELA. When I go to Navient 's website, it says that my loans were transferred to MOHELA and provides a link to log into MOHELA 's website. I called MOHELA and they said that my account show as {$0.00}. When I log into their site, my accounts show {$0.00}. I don't know what else to do to try to get this issue resolved. It's negatively affecting my credit by at least XXXX points ( if not more ). Your help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXX PM, a {$50.00} transaction was processed through my PayPal account. The transaction is identified only as XXXX, and I did not authorize this charge. The transaction ID is XXXX and the PayPal case ID is XXXX XXXX I reported this transaction to PayPal as unauthorized. PayPal conducted a review and denied my claim on XX/XX/year> at XXXX PM via email. PayPal stated that the denial was based on account activity showing consistent logins and no evidence of unauthorized access. However, this is not a case of unauthorized account access. I did not authorize this transaction, did not provide my debit card information for this charge, and did not approve any payment to an entity identified as XXXX. PayPals decision did not address whether proper authorization for the transaction itself was obtained. Additionally, PayPal has not provided clear identification of the merchant beyond the vague descriptor XXXX, nor have they provided sufficient documentation supporting their decision. I also transferred my remaining PayPal balance to my linked bank account. That transfer has since been successfully received by my bank. I am requesting that PayPal reopen and properly investigate this unauthorized transaction and issue a refund of the {$50.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I contacted XXXX XXXX law office to rectify an attempt to serve me over debt. The receptionist XXXX I believe told me that they understand that I want to make payments even though I didn't even have time to verify if this was my actual debt. Regardless they told me I didn't need to show up for court. With good faith I believed them. Their practices are unethical. They took advantage of my lack of knowledge. Weeks after the court date they garnished my wages as I was navigating taking care of a newborn. I am not the only person they have done this to. They need to take accountability and more importantly correspond professionally with the people they try to scam. The receptionist and lawyer should be held responsible for spreading misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have an account/credit card with this company, and am currently paying 25.49 % interest on it. I am married to an XXXX XXXX XXXX so I am also entitled to the Service Member Civil Relief Act. I have attempted multiple times to enact it with this company, with no success according to the law, they have to abide by this request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I am filing a complaint against Lendmark Financial Services regarding inaccurate credit reporting and failure to properly investigate a dispute. On XX/XX/year>, I submitted a written dispute requesting verification of this account and its reported payment history. I did not receive any documentation or evidence validating the accuracy of the account. Despite this, Lendmark Financial Services has continued to report late payments on my credit report and has continued collection activity through repeated emails and text messages. Additionally, in XX/XX/year>, I made a payment under a hardship/temporary modification program with the understanding that my account would be brought current. However, late payments continue to be reported, which is misleading and does not accurately reflect my payment status. This account is being reported inaccurately and without proper investigation, in violation of the Fair Credit Reporting Act. The continued reporting of late payments after a hardship payment, along with failure to provide documentation, makes the account unreliable and unverifiable. I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received an unsolicited letter from XXXX XXXX XXXX formerly XXXX XXXX XXXX formerly XXXX XXXX XXXX. I did not contact XXXX. XXXX contacted me at my current private home address which I never provided to them. The letter references an account number and a case number. Neither number matches any of my XXXX active CFPB complaints against Bank of America and XXXX XXXX which are all currently open and extended. I called XXXX at the phone number printed on their letter on XX/XX/XXXX. I gave their representative both the account number and the case number from their own letter. Their representative confirmed they could not find either number in their system. My property at XXXX Deer XXXX XXXX XXXXXXXX XXXX XXXX was foreclosed on XX/XX/XXXX. I have XXXX active CFPB complaints documenting that foreclosure against Bank of America and XXXX XXXX. I did not file any complaint with XXXX. I did not authorize anyone to share my information with XXXX. I am requesting the CFPB investigate the following. First who referred my information to XXXX was it Bank of America or XXXX XXXX responding to my existing CFPB complaints? Second how did XXXX obtain my current home address without my authorization? Third what is the account number in their letter and why can XXXX not locate it in their own system? Fourth whether the sharing of my information with XXXX without my authorization violated RESPA XXXX XXXX. I request that all future communications from XXXX XXXX regarding this matter be conducted through the CFPB portal only so they are monitored and on the record. I do not consent to direct contact from XXXX outside the CFPB process. The XXXX letter is dated XX/XX/XXXX and signed by XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Ombudsman. Their stated response deadline is XX/XX/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 2026-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, my mortgage loan was serviced by XXXX/Newrez ( now Newrez LLC ) . I made no payments before XXXX, but challenged the servicers claims in court and filed bankruptcy in late XXXX. In XXXX, I made over {$23000.00} in payments : {$12000.00} through a Chapter 13 trustee, and {$10000.00} paid directly to XXXX/Newrezs counsel ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). None of these payments appear in any transaction ledger XXXXNewrez has produced. Instead, XXXXNewrez fabricated activity : On XX/XX/XXXX, it recorded six backdated principal/interest entries ( to XXXX ) with no corresponding payments. Those entries matched exactly the {$3500.00} interest and {$5100.00} principal it later reported on my XXXX Form 1098 omitting the real $ XXXX in payments. It used wash transactions ( e.g., moving {$7600.00} in/out of suspense with no net effect ) to create illusion of activity. It stopped generating monthly statements from XX/XX/XXXX through XX/XX/XXXX, hiding errors. Its XX/XX/XXXX sworn bankruptcy Proof of Claim claimed {$91000.00} in arrearage derived from a XX/XX/XXXX statement, ignoring all XXXX payments. Its escrow statements for XXXX were based on estimates and projections, not actual transactions filed under penalty of perjury. It produced at least four irreconcilable transaction histories ( XX/XX/XXXX payment history, XX/XX/XXXX POC detail, XX/XX/XXXX summary ledger, and monthly statements from XXXX ). They can not be reconciled : the {$8.00} entry on XX/XX/XXXX appears as a payment, fee, suspense, and refund ; principal is static in ledgers but falsely decreasing in statements ; trustee payments are missing entirely. XXXXXXXX XXXX XXXXXXXX ( the prior trustee ) executed a XX/XX/XXXX assignment of my deed of trust to another XXXXXXXX XXXX trust. I was never notified, in violation of RESPA. I request investigation, a corrected accounting, corrected 1098, enforcement action, and referral of false bankruptcy filings to the U.S. Trustee. Additional information provided by consumer : XXXX Consumer wants to update : What company is this complaint about? Company Information NEWREZ LLC d/b/a SHELLPOINT MORTGAGE SERVICING, as successor by merger to XXXX XXXX XXXX XXXXXXXX Other information about this company Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX https : //www.shellpointmtg.com/ ( XXXX ) XXXX Change to : What company is this complaint about? XXXX XXXX NEWREZ LLC Other information about this company Shellpoint Mortgage Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, South Carolina XXXX https : //www.shellpointmtg.com/ ( 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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All above stated accounts and inquires are act of fraudulent activity which I don't recognize.Please remove all acounts from my credit reports.

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 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This still remains on credit on experian and equifax but removed from XXXX. I am requesting it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX keeps reporting collection account even though they dont sent proof of validation! Its keeps reporting to all credit bureaus'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding a denied fraud claim by USAA Federal Savings Bank. On XX/XX/year>, I was the victim of an impersonation scam in which I was led to believe I was communicating with my financial institution. Based on this deception, I was instructed to perform a transaction under the belief that I was protecting my account. The transaction amount was {$6100.00}. I did not knowingly or willingly authorize a legitimate transfer of funds to a third party. My actions were taken under false pretenses created by a scammer impersonating a trusted entity. USAA denied my dispute, stating that no error occurred. However, this conclusion fails to account for the fact that the transaction was induced through fraud and deception. This was not a standard authorized transactionit was authorized under manipulation and impersonation. I have supporting documentation, including call logs and contemporaneous messages, which demonstrate my confusion and belief that I was acting under legitimate instruction. I am requesting that USAA : 1. Reopen and fully investigate my claim under the context of impersonation fraud 2. Provide a detailed explanation of how they determined no error occurred 3. Reimburse the disputed amount of {$6100.00} I believe this situation falls under protections for electronic fund transfers where consumers are misled into authorizing transactions under fraudulent circumstances. I respectfully request regulatory review of 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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are XXXX charges on my Bank of America card that I did not make. XXXX of the charges are ATM fees. It looks like there were some cash advances charged to my account. Ive already locked my card and reported it stolen. However, I could not get through to them to dispute these charges. I have to use relay service and it would never go through. It looks like all the charges were made on XX/XX/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 2026-04-11 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: CL Holdings LLC
State: CA

Complaint narrative:
I received a collection notice stating I had until XX/XX/year> to dispute the debt or request validation. I submitted a written dispute via email within that timeframe. Despite this, the company reported the account to the credit bureaus on XX/XX/year> without providing validation of the debt. This appears to be a violation of my rights under the Fair Debt Collection Practices Act, as collection activity should cease until verification is provided.

Company response to consumer: Closed with explanation