vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 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: AR

Complaint narrative:
This filing documents retaliatory conduct by Goldman Sachs Bank USA ( Apple Card ) following my exercise of protected billing-dispute rights and escalation to the CFPB. 

Prior to XX/XX/year>, my Apple Card account had perfect payment history, no balance, no delinquencies, and no prior disputes. The adverse actions described below did not precede dispute activity they followed it, escalated as regulatory scrutiny increased, and culminated in account closure while CFPB review was active. 

After Goldman Sachs ignored XXXX certified XXXX billing-error notices, I filed a CFPB complaint. Only after CFPB involvement did Goldman Sachs initiate internal disputes and issue substantial provisional credits, acknowledging that the transactions were active and unresolved. Those credits posted to a statement and left me owed money.

Approximately nine days into the CFPB investigation, Goldman Sachs reversed all provisional credits in bulk, rebilled the disputed charges, and later attempted to justify the action using conclusory statements and a claimed holistic review, without producing transaction-level findings, investigative records, or documentary evidence. 

When I challenged the rebilling and filed a formal document demand requesting proof of investigation including merchant legality review, authorization evidence, and documentation underlying the claimed holistic review Goldman Sachs escalated adverse actions : My available credit was reduced to {$0.00} A spending block was placed on the account I was prevented from using the account despite having previously been owed funds These restrictions occurred immediately after I demanded investigation records and without any delinquency, misuse, or credit-risk trigger. 

Finally, while multiple CFPB complaints and the document demand remained open, Goldman Sachs closed my Apple Card account entirely. The closure was not preceded by default, nonpayment, dispute abuse, or investigative findings. It was preceded only by certified disputes, CFPB complaints, exposure of procedural failures, and demands for compliance documentation. 

The sequence is unmistakable : protected activity regulatory escalation demand for records escalating adverse actions account closure. 

This is not a dispute over outcome. It is evidence of retaliation and interference with statutory dispute rights under the Fair Credit Billing Act and Regulation Z, and raises serious concerns under the Consumer Financial Protection Act. Goldman Sachs did not correct errors or complete a compliant investigation ; it punished escalation and attempted to suppress accountability. 

I respectfully request supervisory review to determine whether Goldman Sachs Apple Card dispute operations reflect systemic non-compliance and whether corrective or enforcement action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
After checking my Early Warining INC., Account, i found inquiries that done whit out my XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bank XX/XX/XXXX. XXXX XXXX bank XXXX XXXX XXXX XXXX  XXXX bank XX/XX/XXXX XXXX XXXX Bank XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX. XX/XX/XXXX .. XXXX Those inquiries are not mine they are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Payday America Inc.
State: MN

Complaint narrative:
Incorrectly reporting collection of {$280.00}. By law unable to do so. I am disputing this on this on my credit report. 

Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be accurate and complete. I am requesting that the creditor fully investigate this matter and correct or remove the inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: ME

Complaint narrative:
I had submitted my previous CFPB complaint against ALDOUS AND ASSOCIATES and was told that they'd take action, verify the debt, and update my credit report accordingly. I've spoken to workout anytime and was told they have no record of my membership anymore as it's been over 10 years. 

ALDOUS AND ASSOCIATES left the dispute unanswered and it resulted in my report showing that the 'new ' collection is " paid off '', but the incorrect dates that were reported BY ALDOUS AND ASSOCIATES to illegally add this item back to my credit report were not updated. 

This item needs to be removed from my credit report entirely, not just updated to say " paid ''. This is violating fair credit reporting rights afforded to me. ALDOUS AND ASSOCIATES can not provide ANY information showing my default with workout anytime and needs to remove this false entry entirely from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
I had used " Abound By XXXX XXXX XXXX '' remittence App also called " TClub Inc '' to have a money transfer to XXXX Account From US Date initiated : XXXX XXXX Amount : XXXX $ Date app showed delivered : XX/XX/year> The App showed " delivered '' on XX/XX/XXXX whereas the recipient never got the amount credited. I raised a ticket with them on XX/XX/XXXX ( complaint id- XXXX ), they asked for the recipient bank statements which i provided. They bought some time and on XX/XX/XXXX they reverted back saying they had some technical issues and will refund. I am waiting for their reply in spite of multiple email follow-ups on the refund. They are just buying time. 

Kindly help as i feel cheated and scammed of the hard earned money. XXXX group is a trusted brand and i never thought i will be XXXX of such a XXXX.I read many posts where users faced similar issue Attaching the screenshot of the APP which says delivered but never credited and also the email chain with the company.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( Crypto.com ) for bad-faith obstruction of a theft investigation and failure to fulfill their Worldwide Account XXXX XXXX XXXX XXXX ) obligations. 
The end of XX/XX/year>- XXXX, an unauthorized withdrawal of [ XXXX XXXX ] was sent to address XXXX. Despite a XXXX chain of communication and my submission of a Federal FTC Identity Theft Report, the company has refused to conduct a forensic audit of the Device ID/Hardware XXXX associated with the transaction. 
They continue to reject my identity verification videoswhich include my ID, verbal statement, and current datewithout specific technical feedback. The company is using an automated 'verification loop ' to avoid investigating a documented security breach. I am seeking a full restoration of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
It was a account through XXXX XXXX  being used by texas unemployment during covid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A company by the name of Caine & Weiner claim to have a collection of {$230.00}, and I have NEVER heard of this company yet they claim to be the original creditor, Ive done research and attempted to pay the debt anyways through XXXX XXXX however this company has failed to reach out to me, I have tried to dispute in the past and still never heard an answer from this company nor have i received any notice that i ever owed {$230.00} so I believe the collection is false and isnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, as I was reviewing the past month of transactions on my business checking account, I noticed 12 charges from XXXX using my debit card. I have XXXX XXXX account and checked each one against my purchases. All 12 were unauthorized and not on my account. 

I called Chase and they cancelled the debit card and issued two temporary claims. The following day on XX/XX/XXXX, I received a letter from Chase saying their research shows that the transactions " were processed according to the information you provided or was authorized. '' This was for XXXX of the transactions totalling {$990.00}. 

They did reverse XXXX of the original XXXX charges plus my monthly fee. 

I called Chase again on XX/XX/XXXX to better understand what information they were using to determine that these charges were authorized. They said they reached out to verify that the charges were valid and I approved them. I asked them to tell me how they did this and when, as I never received a call, text, email or other form of communication requested verification. 

I do not delete any bank information I receive, in any form, as it is rare to get these. I have a series of Chase XXXX SMS messages which date back to XX/XX/XXXX and none of these relate to any XXXX charges. 

Since they would not provide any additional assistance in reversing these charges, I asked what recourse I have. They suggested that I reach out directly to XXXX to have them investigate. 

I have tried multiple times, without success, to submit a claim with XXXX. They have discontinued their Customer Service page, which just goes in a loop of " the page does not exist. '' I tried using their XXXX XXXX XXXXXXXX, and could not make any progress there was well. 

After searching online, I finally found that I could submit a complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 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: Klarna AB
State: OH

Complaint narrative:
Decrease in credit limit based on antiquated credit report from 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My XXXX XXXX account was on Autopay. Due to a bank-link error, two payments failed. Synchrony provided ZERO notification of these failures via email, mail, or phone. Upon discovering the error myself, I immediately paid the principal balance in full in XX/XX/year> ( {$90.00} ), 3 months early. 

Synchrony is now reporting this account as " delinquent '' based solely on {$110.00} in disputed fees and interest. They failed to provide " Reasonable Notice '' of payment failure despite a long-standing autopay arrangement. This inaccurate reporting has caused a " cascading adverse action '' on my other Synchrony accounts, including a massive credit limit decrease on my Mastercard. I have attempted to resolve this, but Synchrony refuses to acknowledge their notification failure or my 7-year history of perfect payments across 6 accounts.

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 2026-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One did not provide a billing statement, despite my account being set up to send email and text notifications when bills are due. My standard practice is to pay all balances at the end of each month before interest accrues. Despite this, Capital One assessed approximately {$60.00} in charges on a balance of less than a few thousand dollars that was not even a month old. The payment was only a few days late, yet they refused to remove the charge. As a result, I canceled all of my Capital One accounts and paid all outstanding balances in full. I am now receiving new charges, even though all of my accounts had been brought to a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am submitting this complaint regarding Ally Banks reporting of my checking account to XXXXXXXX following its closure. My account was closed after overdraft-related issues, and the account has been reported in a manner that continues to prevent me from opening any checking account, including second-chance accounts and credit union accounts. 

I attempted to resolve this matter directly with Ally Bank and to understand how the account activity was being classified and reported. Despite these efforts, Ally Banks investigation did not correct or update the information being furnished to XXXX, and the negative entry remains. 

I am not disputing that the account was closed ; however, I am disputing the accuracy and ongoing impact of the reporting and the failure to reasonably investigate or correct it. As a result, I am experiencing continued loss of access to basic banking services. 

I am requesting that Ally Bank conduct a proper review of this matter and correct any inaccurate or misleading information being reported to XXXX so that it accurately reflects the circumstances surrounding the account closure.

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, myself and kids were flying back to XXXX from XXXX, GA from visiting and terminally ill relative. As I was getting my kids together, I quickly sat my purse down to tend to my XXXX small kids. As I turned back around, my entire purse was gone! Like vanished. Everything from my wallet to car keys to house keys along with phone was in my purse. As I was checking my account information on a relatives phone to make sure that I had no money missing. Well it showed XXXX transactions totaling to over {$1500.00} from the theif that he sent to himself on Pay Anyone option. He was able to figure out my phone password and my chime app password from my drivers license which both are my date of birth. I instantly filed a police report and called Chime to file a claim. Provided the police report and called and poured my XXXX out to Chime that XXXX in need of my money. Absolutely no regards to my situation and within XXXX day, my dispute was denied. I am now reaching out to you all for assistance to make sure my claim is not denied again. XXXX desperate and a single mother. I did not see this coming and didnt ask for this happen. I need help with getting my money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and inconsistent entries on my credit reports from Experian, Equifax, and TransUnion, including XXXX accounts ending in XXXX that report incorrect balances, opening dates, and last payment dates. Specifically, my reports show open accounts with balances of {$100.00}, {$270.00}, {$610.00}, and {$550.00} with last payments on XX/XX/XXXX, as well as late-closed accounts opened on XX/XX/XXXX showing {$0.00} balances with the same last payment date. These entries do not accurately reflect my payment history and account activity, and the discrepancies are reported differently across the three bureaus. Additionally, my personal identifying information and account histories are inconsistent, and multiple accounts appear with conflicting balances and dates, which may mislead creditors or other users of my credit report. I request that these inaccuracies be reinvestigated and corrected to reflect my true credit history under the Fair Credit Reporting Act ( FCRA 1666, 1666a, 1681i, 623 ( a ) ( 2 ), 623 ( b ) ).

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and inconsistent entries on my credit reports from Experian, Equifax, and TransUnion, including XXXX accounts ending in XXXX that report incorrect balances, opening dates, and last payment dates. Specifically, my reports show open accounts with balances of {$100.00}, {$270.00}, {$610.00}, and {$550.00} with last payments on XX/XX/XXXX, as well as late-closed accounts opened on XX/XX/XXXX showing {$0.00} balances with the same last payment date. These entries do not accurately reflect my payment history and account activity, and the discrepancies are reported differently across the three bureaus. Additionally, my personal identifying information and account histories are inconsistent, and multiple accounts appear with conflicting balances and dates, which may mislead creditors or other users of my credit report. I request that these inaccuracies be reinvestigated and corrected to reflect my true credit history under the Fair Credit Reporting Act ( FCRA 1666, 1666a, 1681i, 623 ( a ) ( 2 ), 623 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX veteran and began the XXXX XXXX program in XX/XX/XXXX, financing the program through Affirm for approximately {$5800.00}. At the time of enrollment, I disclosed that I already hold a XXXX XXXX in XXXX. Based on my background, XXXX XXXX represented that the program would provide structured, advanced training aligned with my experience, focus on certification preparation, and include assistance with applying to approximately XXXX jobs. 
After enrolling, I discovered that the program materially differed from what was represented. The content was largely focused on entry-level XXXX XXXX topics, which was inconsistent with my educational background and the representations made prior to enrollment. The program length and structure changed after I started, classes were inconsistent, and one core course ( XXXX ) was inactive for several weeks. 
Instruction primarily consisted of informal question-and-answer sessions rather than structured teaching. Additionally, much of the instructional content relied on pre-recorded videos and materials dated from XXXX, which were not updated and did not reflect current industry standards. 
After identifying these discrepancies, I requested clarification regarding the program length, curriculum, expectations, and refund and cancellation policies, and asked whether I could cancel due to the programs failure to match what was represented at enrollment. 
XXXX XXXX refused to allow cancellation or termination and stated that refunds were not available, despite the material differences between what was promised and what was delivered. I made a good-faith effort to resolve this matter directly with the company before disputing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NJ

Complaint narrative:
I have been trying to reset my Direct Express PIN. Multiple representatives gave me incorrect information. XXXX instructed me to email copies of my Social Security card and birth certificate and provided an incorrect email address. This put my personal information at risk and delayed my access to my benefits. I am concerned about improper handling of sensitive data and poor customer service. I am requesting investigation and immediate resolution. Currently without any funds and every time i call XXXX getting the run around!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing a debt being collected and reported by Transworld Systems XXXX regarding an alleged XXXX XXXX account.

Company response to consumer: Closed with explanation