vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). The account listed as Apple Card is reporting a charge-off and past due balance on my XXXX credit report. I dispute the accuracy of this information. The furnisher has failed to provide adequate verification of the debt including : A signed agreement showing I am legally responsible for the debt A complete payment history Documentation proving the reported balance is accurate Proof the creditor has authority to report this information Under FCRA 623, furnishers of information must report accurate and verifiable information to credit reporting agencies. I previously disputed this item, but the response I received did not include proper validation or documentation. Because the information can not be verified, I am requesting the following : Immediate deletion of this account from my credit report Written confirmation that the information has been corrected Proof of verification if the account will continue to be reported If the furnisher can not provide proper documentation, the account must be removed in accordance with the Fair Credit Reporting Act. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Branch Messenger, Inc.
State: VA

Complaint narrative:
I am filing a complaint regarding my Uber Pro Card account issued through Branch. My account was locked due to alleged unauthorized activity, and my balance of approximately XXXX XXXX is being held. Despite contacting support multiple times, I have only received automated responses without any clear explanation, case number, or resolution timeline. I was told that my funds would be sent via check, but I have not received any payment or tracking information. I did not commit any fraudulent activity. Any previous miscommunication was unintentional and should not justify withholding my earned income. This delay is unreasonable, and I believe my funds are being held without proper justification. I am requesting the immediate release of my funds or confirmed payment with verifiable tracking details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding a fraudulent transaction conducted through peer-to-peer payment platforms ( XXXX XXXX and PayPal ) and the failure of both companies to adequately investigate and resolve my dispute. On XX/XX/year>, I sent a total of {$3100.00} to an individual for the purchase of a vehicle. The seller represented the vehicle as reliable and in good working condition. Shortly after the transaction, the vehicle experienced severe mechanical failure, including shutting off while in operation with my children in the car. A diagnostic performed on XX/XX/year>, revealed the vehicle had serious issues, including XXXX stored trouble codes that had been cleared prior to the sale, indicating clear misrepresentation. Additionally, the vehicle was never properly transferred into my name, and the sellers name was not on the title, raising further concerns about the legitimacy of the transaction. After notifying the seller of the issues, he blocked all communication despite previously instructing me to reach out if any problems arose. This demonstrates clear fraudulent intent. I promptly filed disputes with both XXXX XXXX and PayPal, providing supporting documentation. However, I have encountered significant difficulty in obtaining a resolution. My disputes have not been handled appropriately, and I have not been provided with meaningful updates or a fair review of the evidence submitted. At this time, the funds appear to be in dispute status, and I have neither possession of a reliable vehicle nor access to my money. Meanwhile, the seller has made further attempts to intimidate me by issuing a demand for payment, falsely claiming that I have both the funds and the vehicle in working condition. I am requesting that the CFPB review the actions of these payment platforms, specifically : Their failure to adequately investigate a fraud claim Lack of consumer protection in a clearly documented scam transaction Poor dispute resolution practices and lack of transparency I am seeking a full refund of the {$3100.00} and a proper investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-03-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing a complaint against Chime regarding an unauthorized transaction from my account. On XX/XX/year>, {$200.00} was transferred from my savings account to a user identified as $ XXXX/ XXXX XXXX. This transaction shows as You paid XXXX, however I did not authorize or initiate this payment. I did not send this money and did not give anyone permission to access my account. I reported this transaction to Chime, and my claim was denied without a clear explanation or sufficient evidence. I believe my account was accessed without my permission and that this transaction was fraudulent. I am requesting that this dispute be reopened and properly investigated. I also request that Chime provide details regarding the device, IP address, and method used to complete this transaction. I am seeking a full refund of the {$200.00} and a fair resolution under consumer protection laws, as this situation has caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint about serious servicing errors by Suncoast Credit Union involving a Home Equity Line of Credit ( HELOC ) and my first mortgage. I was current on my mortgage, as shown in my XXXX payment history. Suncoast reinstated an old HELOC without notice, without sending statements, and without providing any accounting for years. I did not receive required disclosures or explanations about the balance or how it was calculated. Suncoast then initiated a lawsuit and wage garnishment even though I had no prior notice of any amount due. I repeatedly asked Suncoast for information and documentation, including a full accounting, statements, and an explanation of the reinstatement. They did not provide the required information. Because of Suncoasts actions, I was forced to refinance and pay off the loan on XX/XX/XXXX. This caused financial harm. I have documentation showing the HELOC was current in XXXX, that my mortgage was current in XXXX, and that Suncoasts actions directly led to the garnishment and forced payoff. XXXX, XXXX. Suncoast acknowledged receipt but has not provided the information required under RESPA and Regulation X. I am requesting a full servicing review, a complete accounting of the HELOC and mortgage, and correction of any servicing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a XXXX customer of Capital One currently traveling internationally and have experienced a complete failure of access to my funds due to issues with both my debit and credit cards. My debit card is entirely unusable, with no declined transactions, alerts, or visible activity, suggesting a backend restriction preventing authorization from even reaching the network. I am unable to manage or resolve this through the mobile app, as key card controls are unavailable. My credit cards are functional for purchases ; however, all attempts to withdraw cash at ATMs are being rejected with inconsistent errors ( including invalid PIN and invalid card ) despite successfully setting a cash advance PIN as instructed by Capital One. I have contacted Capital One multiple times and was explicitly told my cards should work. Despite this, the issues persist across multiple ATMs and locations. Additionally, two separate customer service representatives disconnected calls while I was attempting to resolve this issue, leaving me without assistance while abroad. This situation has left me without reliable access to cash while traveling internationally, creating significant inconvenience, financial risk, and distress. I am requesting that Capital One : Immediately restore full functionality of my debit card Confirm and enable international cash advance access on my credit cards Provide a clear explanation of why no transaction attempts or alerts are visible Investigate and address the handling of my prior support calls, including disconnections I am seeking urgent resolution due to my current international travel status and lack of access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
THESE PEOPLE ARE LYING ABOUT THE VALIDATION OF THE TRANSACTION HISTORY ON MY ACCOUNT THEY CANT PROVE THE MONEY TRANSFERS ONE BY ONE TO ACCOUNT FOR THE MONEY BEING GONE AND THIS HAS BEEN GOING ON FOR MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding my federal student loan account and the handling of my enrollment in the XXXX XXXX on a XXXX XXXX repayment plan by my loan servicer Nelnet. In XXXX, I was placed into the XXXX plan. During the subsequent litigation period, my loans were placed into administrative forbearance. At no point was I clearly informed that this forbearance period would not count toward my progress under XXXX XXXX XXXX XXXX forgiveness or XXXX XXXX XXXX XXXX. Instead, I was led to believe that I could remain in the XXXX plan without penalty, that the plan was simply paused due to litigation, and that only new enrollments were restricted while existing borrowers could remain without adverse consequences. I have now learned that this understanding was materially incorrect. Months spent in XXXX related administrative forbearance do not count toward XXXX forgiveness or XXXX XXXX XXXX XXXX. This has resulted in a significant loss of qualifying payment credit toward forgiveness. If I had been properly informed, I would have taken immediate action to switch into an eligible XXXX plan such as XXXX XXXX or XXXX to ensure continued progress toward forgiveness. Instead, I remained in a non qualifying status based on incomplete or misleading information. In addition, my account does not appear to have been properly adjusted under the Department of Educations Income Driven Repayment IDR Account Adjustment. My loans were consolidated in XXXX, but I had repayment history prior to consolidation. Under the XXXX adjustment, pre consolidation periods of repayment, as well as certain periods of deferment and forbearance, are intended to be credited toward IDR forgiveness. Based on my current qualifying payment count of approximately 140 months, it appears that substantial periods of pre consolidation repayment may not have been fully credited. I am requesting a comprehensive review of my full loan history, including all periods prior to my XXXX consolidation, to ensure that all eligible months have been properly counted in accordance with Department of Education guidance. I am also requesting that all months spent in XXXX related administrative forbearance during the recent litigation period be reviewed and credited toward XXXX forgiveness, or otherwise corrected, as I remained in that status based on the understanding that it would not negatively impact my progress toward forgiveness. This failure to provide clear, accurate, and timely information has caused material harm. I am now faced with a situation where remaining in SAVE delays my progress, and switching plans risks extending my repayment timeline by several years. This outcome is directly attributable to the lack of proper disclosure and guidance from my loan servicer and the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
I am filing this complaint regarding my E * TRADE account, held under Morgan Stanley, due to an ongoing inability to access my funds that has persisted since XXXX. Since XX/XX/XXXX, my account has experienced approximately XXXX separate restriction or verification-related incidents. Each time, I have fully complied with all identity verification and documentation requests, but the account continues to be repeatedly restricted without resolution. Despite my repeated efforts, I have not received a clear or consistent explanation for why these restrictions continue, nor have I been given a definitive timeline for resolution. Customer service interactions have been frequent, often daily, but have not resulted in meaningful progress toward restoring access. The key issues are : My account has experienced approximately XXXX restriction or verification incidents since XX/XX/XXXX The issue has persisted since XXXX with no resolution I have completed identity verification and resubmitted documentation multiple times I have contacted XXXX XXXX frequently, often daily I have not been given a clear or consistent explanation for the restrictions I have not been provided a resolution timeline or final determination My funds remain inaccessible despite full cooperation with all requested steps Harm and impact : This situation has caused ongoing and significant financial harm. I have been unable to reliably access my own funds for several months, which has directly affected my financial stability and ability to manage essential expenses. The repeated nature of the restrictions has also created substantial stress, uncertainty, and disruption, as I have been unable to obtain clarity or a stable resolution despite sustained efforts to comply with all requirements. Requested resolution : A clear and specific explanation for the repeated account restrictions A full review of my account by the appropriate compliance or risk department Immediate restoration of access to my funds if all verification requirements have been satisfied A written final determination or resolution timeline I am fully willing to provide any additional documentation required. However, after months of repeated verification requests and approximately XXXX separate restriction-related incidents since XX/XX/XXXX, I am seeking formal regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Klarna AB
State: KY

Complaint narrative:
In XX/XX/year> I received a email about a XXXX XXXX account created XXXX used with my email XXXX name ( which was spelled incorrectly, ) for a purchase at XXXX for a XXXX Film instant camera. Upon receding email I immediately contacted XXXX XXXX advised them XXXX cancel the order XXXX that it was fraudulent likely created using info from a data breach I had been a part of from XXXX XXXX XXXX many years back as they also spelt my.m name incorrectly in the same manner. XXXX XXXX told me they would look into the claim, XXXX not XXXX pay it until I received an answer. This morning XXXX months later they decided that the order was somehow mine XXXX I was responsible for the {$210.00} charge XXXX are even now charging interest. I did everything I could XXXX stop this from happening yet XXXX even XXXX prevent the loss by having them contact XXXX XXXX not allow the item XXXX be picked up, yet they did nothing for months XXXX now expect me XXXX pay the bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: PR

Complaint narrative:
Lease agreement with XXXX XXXX XXXX XXXX XXXXXXXX XXXX ended by the end of XX/XX/XXXX. On XX/XX/XXXX, I received an email from them asking me to pay {$860.00}, which I dont know why I am being charged for. I reply the email requesting more information but it was returned rejected because the email address they used doesnt progress. I then received an email from the company I had used to pay rent, XXXX, and I contacted them to ask why they are charging me when I am not longer living there and they said it was a mistake. I had received some phone calls that showed the number was a scam. Now Im getting the emails from a company that says they are a colector from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and that I have to pay {$1000.00}. Again, emails are being returned, phone number they used says they are a scam numbers. I had paid all my bills and rent, we turned in the apartment keys and all the issues with the account were closed by the end of XX/XX/XXXX. I even had tried to contact the collector but I get all messages back with an error message. I do consider this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I bought a car for {$5200.00}. I was over charged at a tune of {$7500.00}. I was financed {$3600.00} for XXXX months at XXXX percent a total of {$810.00} equate to {$7300.00} but on their paperwork it's XXXX l need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My father ( now deceased ) owed Citibank N.A. over {$4000.00} for a credit card. I never cosigned this credit card with my father and have been told numerous times that I am not liable for his debt. He became ill and was admitted to a XXXX XXXX and was forced to retire. His only source of income was his social security. The vast majority of this money ( everything except ~ {$70.00} ) was used to pay for his stay at the XXXX XXXX. I contacted Citibank XXXX to XXXX times in XXXX to explain his situation, explain he had no assets and owned nothing besides the clothes on his back. They eventually sent the case to debt collection agencies, whom I provided with the same information. My father passed on XX/XX/XXXX. I received letters from both Citibank and a company called XXXX XXXX XXXX, asking for me to contact the latter company. I called this company on XX/XX/XXXX. I explained once again that my father had no assets and what little money remained was from social security. The woman on the phone acknowledged what I had said and then proceeded to ask me if I would pay the bill, which I said no to. On Saturday, XX/XX/XXXX, I received another letter from XXXX. This letter was asking for his estate to settle the bill. I have grown weary of calling Citibank and their creditors constantly sending me mail, asking me to pay my deceased father 's debt.

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 2026-03-23 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: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
THE SOFI TECHNOLOGIES BANK STOLE MONEY FROM MY BANK ACCOUNT THEY TRANSFERRED FUNDS TO THERE OWN PERSONAL STOCK COMPANY I HAVE PROOF OF THESE TRANSFERS I AM A XXXX SINGLE TAX PAYING CITIZEN I DEMAND MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX And Shepherd Outsourcing , LLC, has been sending out extremely detailed financial information to my grandmother I have new evidence and this is primarily to XXXX outsourcing its a collection company through XXXX XXXX XXXX and they send my grandmother my name my address, who I owe debt with, how much I owe, and sending her documents that allow anyone to sign. Happened XX/XX/XXXX at XXXX. We told them to stop on text messages. This is not my number and they still skip trace to her I have absolutely no idea why. She is getting irritated and its causing me so much stress. They are harassing a XXXX XXXX XXXX woman when they most likely know its not me. Its very simple to see that this number is hers through databases. And this is a complete break of privacy. This is my second report. They never reached out to me personally and its not my job to track them down. I refuse to talk to them after what they are doing. I talked to XXXX officially XXXX time on accident XX/XX/XXXX through XX/XX/XXXX I have proof and they never sent me a letter of validation they have 5 days to send me one. I found out yesterday they had my debt since 2025 and still never reached out. I have derogatory on my record because I didnt know. And im jobless, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX complications and they are literally doing this to me. I have absolutely no income Im dealing so much so why are they continuing contacting third parties about my private information. If I new about this I would have take steps to correct this instead Im extremely behind my credit is way behind. The pictures I sent are sent to my grandmothers phone and I have more evidence that I am keeping to show an attorney until its time to deal with this.

Company response to consumer: Closed with explanation