vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file by XXXX XXXX regarding an account ending in XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security XXXX are XXXX. This account is currently reported as a charge-off with a balance of {$650.00} on my XXXX credit report. This information is incorrect and has negatively impacted my credit scores, which are XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On XX/XX/XXXX, I filed a dispute with XXXX to correct these inaccuracies, yet the information remains unchanged. The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must ensure accuracy in the information they report, and I believe my rights under this act are being violated. This incorrect account status has severely impacted my ability to secure new credit and has caused significant emotional distress and financial inconvenience. I am unable to move forward with my financial plans due to this erroneous information. It is crucial that I have an accurate credit report for my financial stability and future planning. I am requesting the complete removal of this account from all three credit bureausXXXX, XXXX, and XXXX this information is inaccurate and harmful. I expect this matter to be resolved swiftly and correctly to prevent further damage to my creditworthiness.

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 2026-04-28 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:
I filed a dispute ( XXXX ) in the Chime app for a {$1000.00} ATM withdrawal attempt on [ XX/XX/year> - XXXX ] using my Chime XXXX XXXX card ( which I use like a debit card since it pulls directly from my checking/spending balance ). The ATM got stuck on processing, showed an error, and dispensed XXXX cash along with no receipt but the full {$1000.00} was still charged. I requested a full investigation into the non-dispense error, reversal of the erroneous charge, and provisional credit/refund ( which they denied by the way to do ) while they investigate. I explained there was no cash received and asked them to confirm with the ATM operator/network since there is no phone number to call on the ATM, and talking to the branch manager inside basically helped me none whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
Acrisure Mortgage XXXX is requiring me to mail my mortgage payment in the form of a cashier 's check or money order. This is causing a financial and stressful burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SC

Complaint narrative:
I have filed numerous complaints about Goldman Sachs and their business practices. I have been asking repeatedly for the evidence used in determining there were no fraudulent actions on my card. Now they are saying that I knew who it was and that I authorized the transactions. Nothing could be further from the truth and I am requesting the evidence used to fabricate this blatant untrue statement. My account balance is settled with Goldman Sachs but they are still trying to hold me responsible for this debt that they claim I owe. The odd part about this is that received numerous refunds for transactions that I reported as fraudulent, while some were denied that were on the same receipt that I did receive refunds back. The only evidence, if you call it that and circumstantial at best, is my bank statements for my credit card. No evidence where I made the statement they claimed I made or any mention of the fraud investigation or report of findings after the investigation. Seems simple enough to provide unless they dont have these documents which supports what I have been saying all along. They only seem to respond to your company as I never received any correspondence until I went through you. This is another example of big businesses taking advantage of the consumer by doing exactly what they want while we, the public, are held to another standard. I have shown evidence on my part but have only received statements back which I am still trying to understand how that is determined to be justification of a consumers debt when fraud has been claimed. An investigation was allegedly done but no results were sent to the card holder after many requests. I also did not receive any evidence when requested many times, and that seems to be no issue for them, but they claim they sent me notices and placed late payments on my credit report. Seems like double standards from I am sitting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am experiencing severe financial hardship due to a Regulation E violation on a debit fraud claim reopened on the 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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I returned my XXXX XXXX at the end of my full lease term and made all XXXX payments on time. I never missed a payment. After the lease ended, over ensuing months, I logged into my online account with Hyundai XXXX XXXX to confirm that everything was settled. The portal showed a {$0.00} balance with no past-due amount. I also reviewed the View Disclaimer section, which did not mention that end-of-lease charges or final bills would be excluded from the balance shown. At the time of return, my vehicle was also substantially under the allotted mileage, so I had no reason to anticipate owing any additional balance. Around that time, I had moved and did not update my mailing address before the final bill was sent. I understand that keeping my address current was my responsibility. However, I actively checked the companys official online portalthe primary tool provided to customers to view account statusto verify whether anything was owed. That system showed a {$0.00} balance and gave no indication that an additional final bill existed or would not appear there. I later learned that a small end-of-lease balance had been assessed and that negative reporting had occurred. I was not made aware of this balance through the XXXX channel I could reliably access at the time : the online account portal. When I contacted Hyundai XXXX XXXX, a supervisor confirmed that the portal is not designed to display charges after the vehicle is returned, and that this limitation is not disclosed within the portal itself. While I acknowledge my responsibility to keep my mailing information updated, it is also the companys responsibility to ensure that its online account system accurately reflects amounts owed or clearly discloses when it does not. I fulfilled my responsibility by checking the portal. The companys system showed a {$0.00} balance with no warning, which led me to reasonably believe the account was fully settled. I am not disputing the validity of the charge itself. I am requesting the removal of the negative reporting, as it resulted from a lack of visibility and disclosure in the companys own system rather than an intentional failure to pay.

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding American Express inadequate and potentially unlawful response to my prior request submitted through the CFPB. I formally requested that American Express provide me with a copy of the XXXX ( Cancellation of XXXX form ) associated with the charged-off account ( XXXX ) in question. This document is required for tax reporting purposes and should have been issued if any debt was canceled and reported to the IRS. Instead of providing the requested XXXX, American Express XXXX XXXX mailing me : Account statements, and A copy of an application containing my full Social Security Number This response is unacceptable and raises serious concerns. First, American Express failed to comply with my request. The XXXX was not provided, nor was any explanation given as to why it has not been issued. If the debt was charged off and reported for tax purposes, I am legally entitled to that documentation. Second, and more concerning, American Express mailed highly sensitive personal information, including my full Social Security XXXX, in response to a request where such disclosure was completely unnecessary. This constitutes a failure to safeguard my nonpublic personal information. Under the XXXX XXXX, financial institutions are required to protect consumer information and limit unnecessary disclosure. Additionally, under the Fair Credit Reporting Act, companies must maintain reasonable procedures to ensure the confidentiality and proper handling of consumer data. Sending a document containing my full Social Security XXXX through the mailwhen it was not relevant to my requestdemonstrates negligent handling of sensitive information and exposes me to an increased risk of identity theft. I am requesting the following : Immediate provision of the XXXX form associated with the account ( XXXX ), or a written explanation confirming that no XXXX was filed with the IRS and why A XXXX explanation as to why my full Social Security Number was XXXX and XXXX to me unnecessarily Documentation of the policies and procedures American Express follows to XXXX XXXX personal information Confirmation that my personal information has not been improperly shared or exposed beyond this incident Any corrective actions being taken to prevent this type of incident from occurring again Also removal of these accounts from my credit report. If this matter is not resolved promptly, I will consider escalating this issue further due to the potential violations of federal consumer protection and privacy laws. I expect a complete and compliant response within the timeframe required by the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of a dispute submitted on XX/XX/year>, involving a {$450.00} refund. The merchant has provided written confirmation that a {$450.00} refund was issued. I attempted multiple times to submit this documentation to Cash App as evidence for my dispute. However, I experienced ongoing issues where my evidence was not properly accepted or added to my case, despite repeated efforts throughout the day. In addition, I have made several attempts to follow up and resolve this matter. Instead of receiving assistance or confirmation that my evidence was reviewed, I have repeatedly received generic responses stating that my case is under review and XXXX take up to XXXX days. These responses do not address my situation, do not confirm that my documentation has been received, and do not explain why no temporary credit has been issued. At this point, Cash App has failed to properly process my submitted evidence, failed to provide meaningful updates, and failed to take appropriate action despite confirmation from the merchant that a refund was issued. I am requesting : * XXXX confirmation that my documentation has been received and reviewed * Proper addition of my evidence to my dispute file * Issuance of the {$450.00} refund or a temporary credit * A detailed and specific update on the status of my dispute Cash Apps lack of support and failure to properly handle my case has caused unnecessary delay and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
i just opened my chime back XXXX days ago! and they closed it with no explanation! my rent money is on there!! i called they saying no refunds! i need my money i have to pay rent!! like its ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Requested validation of this debt and all accuracy of contracts with Zions

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an unsolicited Capital One pre-qualified/prescreened credit card offer by mail. The envelope stated Congrats! Youre pre-qualified for this credit card offer, advertised {$0.00} annual fee, and said No credit score required to apply. I did not request this offer, apply for a Capital One credit card, authorize a hard inquiry, or authorize any account to be opened in my name. I understand that prescreened firm offers of credit may be permitted under the Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ), but I am requesting written confirmation that this was only a soft prescreened marketing offer and not a hard inquiry, credit application, or account opened in my name. I also request confirmation that the offer complied with the FCRA and Regulation V, including the required opt-out notice under 12 C.F.R. 1022.54. Please remove or suppress my information from future promotional solicitations where legally possible. If any hard inquiry, application, or account exists, I dispute it as unauthorized and request immediate investigation, deletion, and written confirmation under the FCRAs permissible-purpose requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Complaint against Synchrony Bank Amazon Store Card Closure and Loss of Rewards I am filing a complaint against Synchrony Bank regarding the sudden and unexplained closure of my Amazon Store Card account and the loss of my earned rewards. My account was closed on XX/XX/year>, without any prior warning. At the time of closure, I had accumulated approximately {$1300.00} in rewards, which I am now unable to access or redeem. What is particularly concerning is the inconsistent and unclear reasoning provided for this action : - When I contacted customer service, I was told that my account was closed because I was considered a high risk to miss a payment. - However, I have never missed a payment on any of my credit accounts, including this card. My payment history has been consistently on time, and my account was in good standing. - The written letter I received provides a completely different explanation, stating that the account was closed due to unable to verify identifying information. These conflicting explanations raise serious concerns about the accuracy and fairness of the decision-making process. I have not engaged in any unusual activity, have not had any missed or returned payments, and have maintained responsible credit usage. The closure of my account under these circumstances, along with the immediate forfeiture of a substantial amount of earned rewards, appears unjustified and lacks transparency. Additionally, I was not provided any opportunity to redeem my rewards prior to account closure, resulting in a significant financial loss. Resolution Requested : I respectfully request that Synchrony Bank : 1. Provide a clear and accurate explanation for the account closure, including which specific factor led to the decision. 2. Restore my earned rewards totaling {$1300.00}, either by reinstating my account or issuing an equivalent statement credit or payment. 3. Review this matter for fairness and consistency, given the conflicting reasons provided to me. I believe I acted in good faith as a customer, maintained my account responsibly, and should not lose earned rewards without a clear and consistent justification. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
My mortgage was sold to select portfolio servicing on XX/XX/year>. I called XXXX separate times in XXXX about a property tax bill that needed to be paid by XX/XX/year> out of my escrow. The early payment would save me 2 % of the total bill. Each time I called they were unable to tell me if this would be paid. I asked to be connected to the escrow department and they would not. I asked to be connected to someone that could answer my question and they would not. I even uploaded a copy of this bill to the documents prior to my final phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year> at XXXX and XX/XX/year> at XXXX, unauthorized charges from XXXX XXXX XXXX XXXX XXXX for {$1.00} and {$29.00} totaling {$31.00} appeared on my Chime Spending Account. I filed dispute # XXXX on Monday XX/XX/year> stating fraud. Chime chat confirmed 24hr provisional credit timeline per Regulation E. As of XX/XX/year> XXXX, over 24 hours after filing, no provisional credit has been issued. Account balance is {$0.00} causing food and housing hardship. On XX/XX/year> at XXXX via chat and phone, Chime agent refused provisional credit and deflected to " Member Services representative. '' This violates Reg E 1005.11 ( c ) ( 2 ) which requires provisional credit within 1 business day of dispute notice. After filing the dispute, I received neighbor-spoofed calls from XXXX area code numbers. On XX/XX/year> I received a call where the caller repeated my exact dispute phrase " THIS IS DISPUTE '' back to me, indicating the scammer had access to my dispute information. I have screenshots of the unauthorized transactions and Chime chat deflection. All information provided is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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