vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Description of Incident : I am filing this complaint against JPMorgan Chase Bank ( Chase ) regarding a failed internal transfer of {$1500.00} that has resulted in a loss of funds. Despite acknowledging the error, Chase has failed to return the money or apply it to my account. Timeline of Events : XX/XX/year> : Opened Chase checking account ; linked to existing Chase mortgage. XX/XX/year> : Initiated a {$1500.00} principal payment to my mortgage via internal transfer. XX/XX/year> : Chase Mortgage records show this payment was " Canceled '' almost immediately. XX/XX/year> : Despite the cancellation, Chase XXXX Banking debited {$1500.00} from my checking account. The funds were neither sent to my mortgage as requested nor were the funds returned to my bank account. Chase can not locate the funds. XXXX XXXX XXXX : Contacted Retail banking department and Mortgage department via telephone and bisited a Chase branch. A joint conference call between departments confirmed a " deadlock '' : Retail alleged funds were sent ; Mortgage confirms funds were never received. XX/XX/year> ( AM ) : Claim XXXX XXXXXXXX was opened for research. XX/XX/year> ( PM ) : Received a letter stating the claim was " Resolved. '' No funds were returned, and no explanation of said resolution was provided. Regulatory Concerns : Chase is in violation of standard banking practices by debiting funds for a transaction they marked as " Canceled. '' Furthermore, by closing an investigation ( Claim XXXX XXXX ) without returning the missing {$1500.00} or providing a detailed explanation of the " resolution, '' the bank has failed to fulfill its duty to correct a documented billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA has reported a XXXX late payment since XX/XX/year>. I was never late, and it is now just a few months short of XXXX years.

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 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXX. On XX/XX/year>, at XXXX PM XXXX, I had a telephone conversation with a representative from XXXX XXXX XXXX regarding these debts. XXXX. On XX/XX/year> at XXXX AM XXXX, called me regarding these debts following the above conversation. XXXX. On XX/XX/year> I sent XXXX certified letters via XXXX. XXXX to XXXX XXXX XXXX and the other to Resurgent Capital XXXX. Both of which were signed for and received. In these letters I referenced the Regulation XXXX violation in addition to the referenced accounts and calls. I requested to only be contacted via written letter. I also emailed both customer care departments that evening to request the same thing. XXXX. On XX/XX/XXXX, XXXX and XXXX I received multiple text messages before replying stop. In addition to the text messages I received emails on the XXXX, XXXX and XXXX of XXXX. Despite multiple formal notices, the company has ignored my request for written-only communication, continued to send unauthorized texts and emails and has failed to respond to my settlement offer or mark the debt as disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

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 2026-02-26 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: NV

Complaint narrative:
XXXXI am filing this complaint against Goldman Sachs Bank USA regarding my Apple Card account. My current balance of approximately XXXX is materially inaccurate due to three issues.XXXXISSUE 1 - UNEXPLAINED PAYMENT REVERSALS (XXXX): Goldman Sachs reversed approximately XXXX in previously cleared payments with no explanation or notification. On XXXX XXXX XXXX XXXX XXXX payment reversals totaling approximately XXXX appeared on my statement, reversing payments made and cleared between XXXX and XXXX XXXX. On XXXX XXXX XXXX XXXX "Payment Reversal" entries totaling approximately XXXX appeared, reversing payments made between XXXX and XXXX XXXX some as old as XXXX months. I did not request or authorize any of these reversals. These are the primary reasons my balance escalated from approximately XXXX to nearly XXXXISSUE XXXX - APPLE TRADE-IN FRAUD (XXXX: In XXXX XXXX I purchased XXXX iPhone 15 Pro Max devices with XXXX trade-in credits each (Orders XXXX XXXX XXXX). I shipped all XXXX trade-in devices using Apple\'s prepaid XXXX labels within the required timeframe. Apple confirmed receipt in XXXX XXXX, then falsely claimed in XXXX XXXX that I "rejected revised values." I was never contacted about any revision. Apple cannot provide tracking numbers to prove that the devices were returned to me. They kept all three phones without providing credits or returning the devices. Goldman Sachs denied my disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXISSUE XXXX - XXXX RETURN LOST BY MERCHANT\'S CARRIER (XXXX): I returned merchandise using XXXX mandatory prepaid XXXX label. XXXX tracking confirmed the package entered their system on XXXX XXXX XXXX. The package was lost in XXXX custody. XXXX confirmed in XXXX XXXX that only XXXX, as the label purchaser, can file a claim. Goldman Sachs denied my disputes XXXX XXXX XXXX repeatedly through XXXX XXXX XXXX XXXX XXXX I sent Goldman Sachs a formal XXXX dispute letter via XXXX Certified Mail (tracking XXXX XXXX XXXX XXXX XXXX XXXX Despite this active dispute, Goldman Sachs continues to report my account as delinquent, which appears to violate 15 U.S.C. 1666a(b).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am submitting a complaint regarding a {$320.00} debit card transaction for merchandise not received. The merchant, XXXX, instructed me in writing to dispute the charge with my bank if I could not file a police report. I followed this instruction and filed a dispute with Wells Fargo. Wells Fargo denied the dispute and refuses to reopen it, despite the fact that I never received the merchandise and I have documentation showing the merchant told me to dispute. I have filed a police report with the XXXX XXXX XXXX Police Department for the missing package. Police Report Number : XXXX Order Number : XXXX I am requesting a formal reinvestigation under Regulation XXXX ( Electronic Fund Transfer Act ) and a refund of {$320.00} for merchandise not received.

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 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
CFPB Complaint Goldman Sachs XXXX Apple Card XXXX Company : Goldman Sachs Complaint : Goldman Sachs is reporting inaccurate and internally inconsistent charge-off data on my Apple Card account. The account is reported as charged off while simultaneously reporting ongoing delinquency and a disputed balance that is not accurate. I disputed the account and requested : Full payment history Date of First Delinquency Documentation supporting charge-off calculation Explanation of continued past-due reporting The company has failed to correct or properly substantiate the reporting. This constitutes violations of : 15 USC 1681s-2 ( b ) 15 USC 1681e ( b ) 15 USC 1681c ( a ) I request immediate correction or deletion and regulatory review of their reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: U.S. BANCORP
State: WA

Complaint narrative:
I sent my complaint to you about Elan credit card case number XXXX. Today XX/XX/XXXX I received your decision to close case. I m absolutely disagree and requesting reopen investigation with XXXX. First of all, I sent them proofs but they prefer better-formatted proofs from XXXX XXXX APC. I I sent my proofs in time, I fax to XXXX XXXX pages of emails and correspondence and phone numbers where main conversations were recorded. But XXXX didnt want to open phone conversations and XXXX XXXX XXXX like concealed it. Then after XX/XX/XXXX I received email from Elan with instructions to see letter from XXXX website on my account. I tried to several times it was impossible to open. I called to technical support and technician couldnt help with it .then I call to Elan for hope they tell me what is a letter about because I have issues to open and representative tell me that case in process and I should wait. After XX/XX/XXXX I open my XXXX account and see that XXXX $ out. I called to Elan, talk to supervisor and ask her how it could happen and how to fix situation. She said that we should describe more detail what XXXX XXXX did and what wasnt done. It was on the end of XXXX when we were talking.Supervisor of Elan gave me new dispute XXXX XXXX Supervisor said they has to receive it no later than XX/XX/XXXX. So My daughter wrote new explanation of situation and the same day I went to XXXX and fax to Elan this detailed letter. It was XX/XX/XXXX .I have confirmation from fedex XXXX On the next day I call again to Elan and ask if they got new proof, their representative confirmed it. Today XX/XX/XXXX and I received from Elan letters that they didnt receive after XX/XX/XXXX any proof. I call Elan again today and they said they didnt receive anything. Sounds for me that Elan play game with me I request to reopen investigation. Elan can not relied on merchant representation. Service of XXXX XXXX performed and I ask to reconsider a dispute. I attached my proof from XXXX and new document

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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I've been in and out of contact for the past few years with CashApp regarding fraud, identify theft, etc due to being a XXXX and XXXX XXXX XXXX XXXX XXXX. I've several times asked for assistance and help in undoing my ban that was falsely initiated. I've several occasions asked for referrals of contact information and have a dozen times mentioned having LEGAL paperwork to provide and prove my innocence and truth in my sex/human trafficking claims. I've been ignored, disrespected, disregarded and denied several times, especially whenever requested appeals. Now with this CashApp settlement, that I received several notifications for, I'm dealing with the same issues from CashApp and the settlement administrator. This has been going on for over 3 to 4 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MoneyLion Inc.
State: NC

Complaint narrative:
This is too much stress for me and it is damaging my credit and I can't buy a car to get back and forth to work. Because this company is violating my rights Under 15 U.S.C. 1618s 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of XXXX 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 2026-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Experian, Transunion, and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I disputed a collection account that contains multiple material inaccuracies including a geographically unrelated address, a balance discrepancy, and inconsistent open date reporting. Despite these inaccuracies, the account was verified as meeting FCRA requirements. I requested substantiation including chain of title, charge-off balance, identity linkage documentation, and itemization of the reported balance. No competent documentation has been provided. Verification of a debt buyer containing inaccurate personal identifying information and inconsistent financial data raises concerns under the Fair Credit Reporting Act, including 1681e ( b ), 1681i, and 1681s-2 ( b ). I am requesting deletion of this account unless full documentation substantiating identity linkage and balance accuracy can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

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 2026-02-26 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: Klarna AB
State: GA

Complaint narrative:
On ( XX/XX/XXXX ) at XXXX a.m., Klarna sends an email about a purchase from XXXX XXXX that I didn't authorize. On ( XX/XX/XXXX ) at XXXX p.m., I called Klarna to dispute and report fraud about this transaction. However, I have asked Klarna 's agent for the merchant 's information and was provided the company 's name " XXXX XXXX '' and email address. As a result, I sent an email to XXXX XXXX at " XXXX '' on ( XX/XX/XXXX ) about the unauthorized charged on a renewal subscription and received no response from the merchant - email is attached for your review. On ( XX/XX/XXXX ) Klarna charged/deducted {$35.00} from my XXXX XXXX XXXX XXXX XXXX ) checking on an unauthorized transaction from XXXX XXXX XXXX On ( XX/XX/XXXX ) at XXXX p.m., I called Klarna to dispute the charge to my checking account. I disputed it with my bank via claim number XXXX - account credited on ( XX/XX/XXXX ) by XXXX. Accordingly, I reported the unauthorized purchase to Klarna and there security team was suppose to investigate and resolve this fraudulent issue in XXXX approximately ( XX/XX/XXXX ). Unfortunately, Klarna attempted to charge/deduct {$71.00} on ( XX/XX/XXXX ) after I reported this matter fraud notwithstanding a message relating to late fees. So, I'm reaching out to the Better Business Bureau for professional assistance in this matter while Klarna 's customer service and/or their investigation department is mishandling my fraudulent claim and insist on deducting the unfraudulent charge to my checking account. I did not authorize XXXX to renew the subscription nor charge my card/ The merchant XXXX never responded to my email that was sent to the company or provided me any documentation that shows that I authorized it. This matter is fraud and I will file a police report and have filed a complaint against XXXX because the company never responded to my email and I did not authorized the renewal or used the product and Klarna 's investigation department continued to charge my debit card because they are going by a prior service in the past, but not the fact that I did not authorize the renewal of that subscription with XXXX. I never received a response from XXXX nor Klarna about the investigation or any documents that were product by XXXX to Klarna that showed that I authorized the renewal. I did not authorize the renewal of the subscription but XXXX XXXX and Klarna continued to charge me. XXXX never responded to my email inquiring about this fraudulent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you may have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, THE BUREAUS, has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt collectors never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under 15 USC 1692g. However, there is one way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within 5 days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt collectors get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. So, if you want to free yourself from the heinous acts of the debt collectors in this complaint, simply delete the accounts below and I will drop my claim :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
b'BankofAmerica froze my account for depositing a check. The check cleared and was processed. The money went into my checking account. I cannot make withdrawls, use debit card, or purchase anything anywhere though. I have no money too pay the electric bill or rent because of this and may end up homeless and when I did nothing illegal or wrong.\nTransaction ID: XXXX XXXX XXXX XXXX\nTransaction Date: XXXX XXXX XXXX XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc

Complaint narrative:
on XX/XX/year> sent {$2500.00} using XXXX XXXX Abound app to send money to XXXX. The app showed funds sent to XXXX on XXXX XXXX but transaction was delayed due to some issues with the apps banking partner. I tried their customer support to get an estimated date, was told to wait a few more days. On XX/XX/XXXX their customer support gave me a XXXX number and said the money was transferred. I gave the XXXX to my bank and asked them to verify, my bank said no transaction existed for the XXXX and no money was deposited. The abound customer support asked for by bank statement which I provided. The app shows money has been transferred but I have received no money and their customer support refuses to give me a phone number to call. I've asked them several times to re-check the XXXX but they have not done so.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: NV

Complaint narrative:
This transaction is a clear case of deceptive business practices. On XX/XX/year>, the store accepted my payment and signature for an XXXX via Apple Card. They only requested my physical ID after the transaction was completed. Because I did not have my ID on me, they kept the XXXX but refused to reverse the charge immediately, promising a refund in XXXX days which never arrived. I have the official receipt and the device 's IMEI : XXXX Serial # : XXXX Since the device is legally tied to my purchase but remains in the store 's possession, I demand that the carrier disconnect/blacklist this specific device to prevent it from being sold to another customer while I am still being charged for it. A company can not collect payment from two different customers for the same device. You can get in touch with XXXX and report the phone as lost/stolen. I am requesting an immediate full refund and a formal investigation into this fraudulent handling of my transaction.

Company response to consumer: Closed with monetary relief