vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: AZ

Complaint narrative:
I was charged {$6000.00} on my Apple Card ( Goldman Sachs ) for an appointment setting job that turned out to be a pay-to-work scam. I was manipulated on XXXX calls into opening a card and paying for company insurance as a good faith requirement, promising it would be wiped after booking 10 clients in 45 days. I never received appointment training, the job was impossible and unethical ( they just wanted me to recruit and dupe others into paying ), and the merchant provided false logs to XXXX. I disputed immediately after learning the truth of the scam. Ive filed reports with the FTC, IC3, Arizona Attorney General and more. In XX/XX/XXXX, a local court ruled in my favor on this misrepresentation/fraud. Despite this court judgment, Goldman Sachs continues to deny my dispute, stating you agreed to the merchants terms and conditions at the time of purchase and no refund or credit is due. Or not enough evidence or something vague with no real reason to deny me. This dispute has been ongoing since XXXX XX/XX/XXXX, XXXX. Goldman Sachs has to my knowledge failed to follow federal dispute investigation requirements under the Fair Credit Billing Act, holding me liable for charges I didnt receive goods/services for/ a defective training actually being a pay to work scam, now they are ignoring a court ruling that the merchant misrepresented the transaction. I am requesting the {$6000.00} fraudulent/misrepresented charge be removed immediately. Company with multiple alias. Names known of so far : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as main face of them ; Listed as CEO. Another name of note XXXX XXXX. Addresses of note ; XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. I did not receive appointment setter training, and if they are claiming I did it is defective. Again a pay to work scam. I should not be forced to pay this unethical charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: PA

Complaint narrative:
For an auto loan, I designed my own amortization table. My amortization table has been correct when I compare it to my PNC loan every 3-4 months until recently ( it has been accurate since XXXX ). On XX/XX/XXXX I asked PNC to provide an amortization schedule. I was told everything from " It will be mailed to you in XXXX business days '' to " We don't do that. '' I had XXXX or XXXX tickets opened requesting this information before I escalated the issue to PNC 's retail business customer service line. Around XX/XX/XXXX, I reached their retail business customer service line. I asked to have someone schedule a call to walk me through their computations and discuss why our math differs. I asked that we schedule a time because I am unable to take impromptu phone calls about financial matters at work. They refuse to leave a voicemail or to send an email with this information. I was told that they do not schedule phone calls, and they always unfortunately call at times when I am unable to speak. I've also been told that I can not drop into a PNC location to deal with this matter in person. They want me to open a XXXX ticket regarding this in hopes that I can simply get information about why my PNC balance is different than my calculations. I am simply seeking information and I have been given the run around for nearly a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CA

Complaint narrative:
XXXX Incident Description : XXXX On XX/XX/year>, at about XXXX, while reviewing my online Wells Fargo Checking Account Number XXXX statement, I noticed a fraudulent withdrawal of {$6700.00} listed as " XXXX XXXX XXXX XXXX XXXX '' on the same dayXXXX XXXX XXXX I advised the Wells Fargo Branch at XXXX XXXX XXXX in XXXX XXXX, XXXX, where I do most of my in-person banking, of the fraudulent withdrawal. I was redirected to someone in the Wells Fargo Fraud Department with whom I answered a number of fraud-related questions. I was advised that my 'old ' account would be closed and was, at that time, given a new account number, new routing numbers, and told that a new Debit card and checks would be issued to me while my fraudulent claim was being investigated. After their 10-day investigation period I received a letter from the Wells Fargo Claims Assistance Center , Online Fraud Claims XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX, www.wellsfargo.com that my claim had been " denied based on the information available. '' I was also sent an affidavit form to complete, sign, and mail back to them which I did today ( XX/XX/year> ) XXXX day after I received the form. Today, I also submitted/filed a XXXX XXXXXXXX XXXX XXXX report for theftI haven't received a report number as yet.

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 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, Nationwide Credit and Collections sent me a collection notice stating that if I disputed the debt in writing by XX/XX/year>, it would stop collection activity until it provided the requested information. I timely disputed the debt by certified mail on XX/XX/year>. The dispute was received on XX/XX/year>. My dispute requested validation of the alleged debt and supporting documentation. As of XX/XX/year>, I had not received any validation or supporting documentation. Nevertheless, Nationwide Credit and Collections contacted me by telephone from XXXX regarding collection of the disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation has caused me emotional stress. I am unable to find a place to live due to this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
I had an old charge off account with XXXX XXXX for a checking account. They transferred the account to Conserve, The total amount that was due was {$200.00} I paid conserve {$100.00} on their online portal on XX/XX/year>, leaving a balance only owing {$100.00}, Right after that payment was made they sent the account back to XXXX XXXX and XXXX XXXX sent it to XXXX XXXX, collection agency, I tried calling XXXX XXXX and Conserve and they refused to acknowledge the payment that was made on XX/XX/XXXX and was cleared from my account, XXXX XXXX advise they do not have any payments for this account and they advise XXXX XXXX never received a payment. Conserve has taken my payment I have a receipt and refusing to provide me credit for the payment. This is illegal and i want all actions to be taken ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. UNAUTHORIZED INQUIRIES : XXXX XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have no knowledge of what was put on my credit report nor did i inquire or apply for anything on my behalf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
This is continued from previous communications ( CFPB XXXX ) Please reopen this complaint- it has not been resolved. Toyota has not provided proof that the alleged {$10000.00} payoff payment was returned unpaid by the financial institution. The documents provided include a letter dated XX/XX/XXXX claiming that a payment was returned, but Toyota has not provided supporting documentation from the financial institution, a return code, a copy of a dishonored payment, or a complete payment history showing the alleged reversal. In addition, the XX/XX/XXXX letter appears to have been addressed to XXXX XXXX at a XXXX XXXX XXXX XXXX XXXX he never had and he never lived in XXXX XXXX We did not receive this notice. This letter is dated a XXXX XXXX XXXX XXXX ago. Toyota has also failed to explain why Toyota XXXX XXXX released its lien, why title was issued, and why no effective notice of an alleged remaining balance was provided before the account was sent to collections and reported to credit reporting agencies. The response provided to the CFPB does not address the core issues raised in our complaint. Instead, Toyota states only that its records are correct without providing the documentation necessary to support that conclusion. I continue to request : A complete payment history for the account. Proof that the alleged {$10000.00} payment was returned unpaid. How the alleged {$10000.00} due later became {$9200.00} due. Documentation showing when Toyota first became aware of the alleged returned payment. Documentation showing all notices sent regarding the alleged returned payment, including the addresses used. An explanation of why the lien was released and title issued if Toyota believed a balance remained owing. We remain in possession of title documentation showing that Toyota XXXX XXXX released its security interest. Until XXXX provides documentation supporting its position, I continue to dispute the validity and accuracy of the alleged debt and related credit reporting. We have received letters from Toyota dated XX/XX/XXXX, stating they furnish information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are trying to harm us and not trying to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
On XX/XX/year>, Freedom Mortgage sent me an ARM rate change notice stating my interest rate would increase from 3.25 % to 6.625 % effective XX/XX/year>, with a new monthly payment of {$3300.00} due XX/XX/year>. This increase violates the 2 % annual periodic cap expressly stated in their own notice, which reads " Your rate can change each year by no more than 2.000 %. '' The maximum allowable new rate should be 5.25 % ( 3.25 % + 2 % ), not 6.625 %. The rate exceeds the cap by 1.375 %. Additionally, the payment was calculated using a loan balance of {$330000.00}. Since that notice, I made additional principal payments and the current balance on Freedom Mortgage 's own website now shows {$310000.00} a difference of {$20000.00}. The XX/XX/year> payment of {$3300.00} is incorrect on both grounds. I sent Freedom Mortgage a formal Qualified Written Request via Certified Mail on XX/XX/year> requesting correction before XX/XX/year>.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
On XX/XX/year>2025 at XXXX PM, I used my CashApp card to fund a payment through Wise in the amount of {$1200.00} to XXXX XXXX for participation in an art residency program in XXXX, XXXX. In XXXX 2025, due to political, personal, and professional reasons, I withdrew from the program and formally requested a refund from XXXX. After submitting my refund request, I made numerous follow-up attempts to obtain information about the status of the refund and to resolve the matter directly with the organization. When I was unable to obtain a resolution, I contacted XXXX and Wise and requested assistance regarding the transaction and the outstanding refund. I provided information regarding the payment and sought guidance on available options. Despite my efforts, I did not receive a satisfactory response or resolution from Wise, and XXXX kept deferring me back to Wise. Since that time, I have continued attempting to resolve this matter. More than one year has passed since my refund request, and I still have not received the refund. I have retained documentation including proof of payment, refund requests, and correspondence related to this matter. I am requesting immediate review and escalation of this case. Despite repeated efforts on my part to resolve the issue, the matter remains unresolved and the funds have not been returned. I am seeking a formal written response, accountability regarding the handling of my prior requests for assistance, and resolution of the outstanding refund issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I purchased a phone with my credit card ( Citibank ). The first phone turned out to be blocked, so the seller sent me another phone and promised that if that was ended up being blocked theyd send me another phone. After checking the new phone, it was also blocked ( that means the XXXX is reported lost or stolen ). Additionally it was repaired with non-genuine parts so I cant get insurance on it, cant get a warranty claim, and also can not trade it in. After sending the credit card company MANY MANY documents by physical mail ( as they requested ) and then via email, and after many phone calls where the representative promised to get me taken care of, I kept getting letter in the mail saying dispute too late or something similar. No one on the phone could tell me a ) is there a time limit? B ) how to get a refund. No one. They just said theyd take care of it and to send them the information. I sent warranty info from the website ( XXXX ) which doesnt really matter because XXXX refuses to provide any recourse. I sent proof from XXXX that the phone has non-genuine repairs. I sent proof that the XXXX is listed blocked ( lost or stolen ) by XXXX XXXX XXXX and proof that trade in value is XXXX. So this is clearly fraud but Citi bank wont / cant/ refuses to provide any resolution. I offered to send the phone back but they wont tell me if they would provide a refund or not. I suggested that they provide me a refund and then I would provide proof that I returned the phone. Nothing helps. And Ive already spent SO MUCH time on the phone with these guys providing documents etc Still no resolution. by the way a year ago I had over {$8000.00} in fraudulent charges and it took XXXX or so calls to get them all cleared up, they missed XXXX charge I had to prove to them that they missed it, they had to file an escalation ticket and it took weeks of me following up to get it resolved. I would not trust this company at all and as soon as XXXX done with this issue Im going to cancel my card. I spend over {$100000.00} a year with Citi cant wait to be done!

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 2026-06-01 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:
This is my second attempt at communicating with XXXX. I have not received my email confirmation of my case so I am doing this again just in case it was lost. On XX/XX/year>, I noticed a charge using XXXX XXXX was made on my account. I do not use XXXX XXXX so it stuck out to me so I called within the same day to put a stop on the charge as it still showed up as XXXX. As of XXXX XXXX it was still pending and my claim was already made. On XX/XX/year>, the charge went through even though I called to put a stop to the unauthorized charge. I never made the charge of {$310.00} and I even went to Wells Fargo to change my account numbers and information as that was a fraudulent charge I did not authorize nor do I know the source of. I hope someone can communicate back to me to resolve it. Thank You The Complaint is with Wells Fargo Wells Fargo Bank , N.A . ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX The charge was a not authorized charge with 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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems , LLC for a direct violation of the Fair Credit Reporting Act ( FCRA ) regarding illegal debt re-aging. Jefferson Capital purchased an old debt from XXXX XXXX and is reporting it on my credit files with a fraudulent 'Date Opened ' of XX/XX/XXXX. I have attached my original account ledgers directly from my XXXX app. As the evidence clearly shows, the true dates of first delinquency on these balances occurred in XXXX and XXXX of XXXX. By advancing the date to XXXX, the collector is illegally re-aging the trade line to extend the XXXX credit reporting window and obscure the fact that this debt is entirely past XXXX XXXX XXXXXXXX statute of limitations. Because Jefferson Capital Systems is willfully reporting inaccurate, deceptive, and legally non-compliant data, I demand that this trade line ( Account XXXX XXXX XXXX XXXX XXXX XXXX be completely and permanently deleted from my XXXX XXXX XXXX XXXX credit files immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Some one is applying and using my identity cars and loans in my name I never touched

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collectibles Management Resources
State: CA

Complaint narrative:
XXXX XXXX of Collectibles Management Resources is insisting that I am responsible for my late husbands debt. The Creditor is XXXX XXXX. I have written to her and also called her. My husband did not have an estate nor did he leave any money. I did not sign anything stating I would be responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is knowingly reporting aliases that are not my legal name and has refused to provide documentation establishing the validity of these aliases despite my request and despite receiving proof of my legal identity. My legal name is XXXX XXXX and they were asked to remove all inaccurate information that does not reflect my legal name. They have my drivers license and social security card stating the accurate name. According to the Fair Credit Reporting Act ( FCRA ) requires Experian to report information with the maximum possible accuracy, not simply repeat whatever a furnisher reported.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
This debt was sold off to a third party affilate I had no business or involvement with, did not authorize a sale of my debt.

Company response to consumer: Closed with explanation