vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had opened another account $ XXXX before closing out my other account $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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:
I am filing a complaint against Goldman Sachs Bank USA regarding an unresolved dispute on my Apple Card for {$520.00} charged by XXXX XXXX by XXXX XXXX XXXX XXXX on XX/XX/year>. My stay was prepaid via Booking.com for {$190.00}. Upon check-in, my card was charged {$520.00} an amount belonging to a completely different guest 's reservation. The hotel 's General Manager, XXXX XXXX, confirmed in writing via email that the {$520.00} charge belongs to a reservation under XXXX XXXX for a 3-night stay. I did not occupy that room and do not know this individual. The hotel 's own Front Office Manager also previously stated in writing that they had no record of the charge. I submitted all evidence to Apple Card including the GM 's written admission, the original XXXX receipt for {$190.00}, and the property 's contradictory emails. Despite this evidence Apple Card has closed the dispute in the merchant 's favor multiple times over 6 months. A merchant can not claim a valid charge when their own General Manager confirmed in writing the charge belongs to a different guest. I am requesting Goldman Sachs review this evidence and permanently reverse the {$520.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I received an notice after logging in my account to USAA on XXXX XXXX, XXXX that my account was restricted. I reached out to USAA customer service to understand the reason my account was restricted. I then learned that My account was being closed and USAA will no longer do business with me and was informed a letter was sent to me which I never received. I spoke with the representative further, who first informed me it was due to me missing disclosure information, however I did submit the disclosure information. Afterward the rep tried to find out more information through their XXXX and internal help number, was then told the issue was not related to disclosures of information. Still the information provided to me was the account is closed and decision is irreversible and future business is not welcomed. I believe this was a mistake in closing my account. I am not sure what was the reason of closing my USAA banking account which I've used since 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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Several calls several dates asked for information on how they evene received any debt of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Asset Recovery Bureau LLC
State: OK

Complaint narrative:
This company continues to call me looking for my mother and I have asked them 3 times.. XX/XX/XXXX at XXXX said to stop calling XXXX XXXX XXXX I asked them to stop calling today XX/XX/XXXX XXXX asked them to stop calling. This is NOT MY DEBT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a second complaint via CFPB. The first was Complaint ID - XXXX filed on XX/XX/XXXX. I received an email and text message on XX/XX/XXXX from XXXX XXXX XXXX Bank of America indicating that she was XXXX XXXX of contact and left number XXXX ext XXXX. However, after calling this number I get a voicemail of a man identified as XXXX ( XXXX ) XXXX and he hasn't returned any of the XXXX calls made to the number. I also responded to the email sent by XXXX XXXX without a response. If Bank of America is serious about resolving my initial complaint I need to be able communicate with them.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: NY

Complaint narrative:
I am filing a complaint regarding a disputed transaction on my Apple Card issued by Goldman Sachs Bank USA. Transaction details : Merchant : XXXX Amount : {$210.00} Date : XX/XX/year> I reported the issue immediately on the same day ( XX/XX/year> ) when I noticed the transaction was declined and placed under review in XXXX XXXX. I contacted the bank right away to stop the charge. However, the merchant later claimed that the dispute was first raised on XX/XX/year>, which is factually incorrect. My XXXX XXXX records clearly show that the transaction was already under review on XX/XX/year>. I did not receive any goods or services related to this transaction, nor did I authorize or redeem any voucher. Despite this, Goldman Sachs denied my dispute multiple times, relying solely on the merchants statements without providing verifiable proof that I received or used the product. The bank failed to properly investigate the discrepancy in the timeline and did not require sufficient evidence from the merchant to prove delivery or usage. I am requesting that Goldman Sachs : 1. Provide full documentation and evidence used to support their decision 2. Reinvestigate the dispute based on accurate timeline evidence 3. Refund the disputed amount of {$210.00} I believe the investigation was incomplete and relied on inaccurate information provided by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Dishonest company to do business with. My closing was scheduled for several weeks. I had spoken with closing team and received verbal and written documentation on who needed to be present at closing. On closing day, Rocket Mortgage created a new document for a 4th party to sign that was not scheduled to be at closing. This was 11 days ago. Rocket Mortgage has given me at least 6 excuses. None of them fix the problem they created. I have paid closing costs in full, signed all documents provided, yet my closing is not complete, not accurate and my house is in jeopardy due to negligence of Rocket Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I have been making payments totaling to over {$14000.00} from a {$20000.00} loan which included interest totaling to {$22000.00}. only {$2500.00} have been applied to principal and the rest has been applied to interest and fees. they have been applying payments to just the interest and fees I have been unaware of and nothing towards the principal. it's been XXXX years and now it still shows I owe {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I was shopping at a TJ MAX store. They wanted me to apply for a credit card which I did. I have had excellent credit for over XXXX ( XXXX ) years. It was OVER XXXX until Sychrony Banks 's inquiry! While in the store they advised me the application was NOT approved in the store and was pending. This defeated the entire purpose of me applying for credit since I would have received a discount on the purchase I was making right then. I have other Synchrony credit cards, one that I have had for nearly twenty ( 20 ) years ) which is a Care Credit Card. I contacted Synchrony Bank and was advised they could not approve my credit at that time because additional information was needed. The representative could not come up with anything other than that Synchrony Bank had some type of BLOCK on my credit. I have never at any time put ANY block that would not allow the approval for a small store credit card. I had the representative withdraw my application, however I want to know HOW a block appeared and WHY Synchrony Bank chose to take it upon themselves to decide who I get a credit card with.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I can not overstate how frustrating and overwhelming this situation has been. To suddenly discover a debt that I do not recognizeone that is unverified and clearly not minehas been both shocking and XXXX. I have been subjected to repeated communications across multiple platforms, often using aggressive and intimidating tactics, including threats of legal action. This is deeply unsettling and completely unacceptable, especially as a law-abiding consumer whose rights are being disregarded. This situation has taken a serious toll on my XXXX well-being, causing ongoing XXXX and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Westlake Services, LLC
State: NY

Complaint narrative:
STOP TRYING TO SHUT ME DOWN! You ask for evidence and I provided. To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. Your response is unacceptable and reflects a failure to comply with your legal obligations under federal law. I have already notified Westlake Financial Services that this account is the result of identity theft and fraudulent activity. Despite this, you have failed to conduct a reasonable investigation and instead continue to request documentation that has already been provided or is not required under the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation upon receiving notice of a dispute. Additionally, pursuant to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, you are required to block and remove all fraudulent information from my credit file. You are also prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) from reporting information you know or have reasonable cause to believe is inaccurate. Your claim that additional documentation is required is both excessive and indicative of noncompliance. The law does not permit indefinite delays or repeated requests for the same information as a substitute for a proper investigation. Furthermore, your placement of a cease and desist on this account confirms that you are aware of the dispute and potential fraud, yet you continue to allow this account to be reported. This action is inconsistent and may constitute willful noncompliance with federal law. If you are unable to provide verifiable evidence bearing my signature or proof that I authorized or benefited from this account, you are required to delete it immediately. Demand for Resolution : I am demanding the following actions within 15 days of receipt of this letter : - Immediate deletion of this account from all consumer reporting agencies- Written confirmation that the account has been permanently removed - Cessation of all collection activity related to this account - Copies of any and all documents used to verify this account, including the original signed contract Failure to comply will result in further action, including additional regulatory complaints and potential legal claims for willful violations of the FCRA and other applicable laws. This is my final attempt to resolve this matter directly with your company. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
. IMMEDIATE DISPUTE : UNAUTHORIZED T-MOBILE CHARGES I am a 100 % XXXX veteran and a vulnerable adult. I have provided Chime with an official Federal Identity Theft Report ( # XXXX ) regarding unauthorized recurring charges by XXXX. Under Federal Regulation E ( 12 CFR 1005.11 ), Chime is required to provide provisional credit within 10 business days if an investigation is not complete. XXXX XXXX XXXX ( Ticket # XXXX ) explicitly denied this legal right on XXXX XXXX, 2026. I am demanding this credit be applied today to prevent imminent homelessness. 2. CASH ADVANCE ( MYPAY ) ALGORITHM FAILURE On XXXX XXXX, 2026, my qualifying direct deposits from the XXXX totaled over {$4300.00} ( Regular : {$3900.00} ; Retroactive : {$290.00} & {$120.00} ). Despite this increase in income, Chime 's faulty automated system decreased my cash advance limit. This is the second instance of your algorithm failing to recognize verified federal benefits. Chime 's refusal to manually override this " system error '' is a direct cause of my current negative balance of - {$24.00}. 3. HISTORY OF SYSTEMIC NEGLIGENCE * XX/XX/year>2026 Incident : I paid off an Instant Loan early to increase my limit, yet Chimes system failed to reset my eligibility, forcing me to wait an entire pay period without access to essential funds. Your refusal to provide genuine customer service has devalued my life and service. I am currently unable to pay for an official college transcript for Full XXXX XXXX ( where I was scheduled to start last XXXX ) and can not afford water or medication this week. I have filed a formal complaint now and if this does nothing today, then next i am alerting XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I just got a copy of my consumer report and I noticed that Fraudulent accounts are listed by LVNV FUNDING LLC. In my previous complaint I informed them that the information regarding those accounts was the result of identity theft and yet they listed another account without validation. 15 use 1692G requires that a debt collector validate any alleged debts before furnishing it on my consumer report. I want these accounts removed. I have never entered into a consumer contract with LVNV FUNDING nor have I received any documentation with my wet ink signature to validate these 2 accounts. What's also troubling for me is that The debt collector is not furnishing the accounts with all 3 credit bureaus which indicates that its misleading and false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: IN

Complaint narrative:
I was contacted by LVNV Funding LLC regarding an alleged debt in the amount of {$630.00} on or about XXXX. I timely disputed the debt and requested full validation under the Fair Debt Collection Practices Act. I specifically requested documentation including a copy of the original signed agreement, a complete account history showing all charges and payments, and proof of the chain of ownership establishing LVNV Funding LLCs legal right to collect this debt. LVNV Funding LLC responded with only limited or summary information and did not provide sufficient documentation to properly verify the debt. The response did not include adequate proof of the original agreement, full account history, or complete ownership records. Despite my dispute and request for validation, the account has continued to be reported and/or collected without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
i received a check from the IRS on XXXX/2026 under my company name the check was for XXXX the check was deposited at the bank, the bank told me that they were going to close my account but now they are saying that they need to verify the check, I already send all paperwork but they are nor releasing the funds or returning back to the IRS its been 45 days now

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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: GA

Complaint narrative:
My mortgage loan was recently transferred to Selene XXXX on XX/XX/XXXX. Since the transfer, I have been unable to access my online account in order to make my monthly mortgage payment. I have made multiple attempts to contact the servicer using the provided customer service numbers ( XXXX and XXXX ). Each time, I am placed on extended hold and eventually prompted to request a callback, however no callback is ever received. As a result, I am unable to complete my mortgage payment through any available channel despite making repeated attempts prior to the payment deadline. My payment is due, and I am actively trying to pay on time, but I have been prevented from doing so due to servicing access and communication failures. I am requesting immediate assistance to restore account access and provide a reliable method to submit my mortgage payment to avoid any late fees or negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
I am filing a complaint regarding PayPals failure to resolve an unauthorized endorsement / check fraud matter involving funds owed to me. XXXX posted rental proceeds in the amount of {$670.00} to my PayPal XXXX / PayPal digital wallet account on XX/XX/XXXX. Those funds remained in my PayPal account until I requested that PayPal issue a check rather than keep the funds on the card/account. PayPal states the check was mailed on XX/XX/XXXX. The check number was XXXX. I never received this check. PayPal later informed me that the check was paid/cashed on XX/XX/XXXXXXXX and deposited into a XXXX XXXX account that is not mine. I did not receive, endorse, sign, or deposit this check. PayPal provided the following transaction details : - Check Number : XXXX - Amount : {$670.00} - Date Funds Originally Credited by XXXX : XX/XX/XXXXXXXX - Date Check Mailed by PayPal : XX/XX/XXXX - Date Paid/Cashed : XX/XX/XXXX - XXXX XXXX : XXXX - Internal Processing Numbers Provided by PayPal : XXXX XXXX - XXXX On XX/XX/XXXX, PayPal opened internal investigation / reference number XXXX after I demanded escalation for fraud / unauthorized endorsement investigation. On XX/XX/XXXX, PayPal confirmed the matter had been escalated and advised the investigation would take up to 30 days. More than 30 days have passed and PayPal has provided no written findings, no copy of the negotiated check, no investigation results, and no reimbursement. I never received this check and never endorsed it. Because the check was issued in my personal name and deposited into an account that is not mine, this appears to be an unauthorized endorsement / fraudulent negotiation of the check. PayPal has retained control of my funds since XX/XX/XXXX, and I still do not have access to money owed to me. During multiple prior contacts, PayPal repeatedly advised me to contact the bank that accepted the check myself, despite the fact that PayPal, as the issuer of the check, is the party responsible for initiating any interbank fraud / unauthorized endorsement investigation. I request that PayPal : 1. Complete the fraud / unauthorized endorsement investigation immediately ; 2. Provide written findings of the investigation ; 3. Reimburse or reissue my {$670.00} without further delay if the endorsement was unauthorized.

Company response to consumer: Closed with explanation