vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 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: DISCOVER BANK
State: NY

Complaint narrative:
Subject : Formal Complaint : Discover Banks Failure to Conduct a Reasonable Investigation & FCBA Violations Description of Complaint : I am filing this formal complaint against Discover Bank for a clear violation of my rights under the Fair Credit Billing Act ( FCBA ) regarding two disputed charges for items returned to XXXX. 

The Facts of the Case : Conclusive Proof of Return : I returned two items to XXXX via XXXX Dropoff. I provided Discover with the XXXX Tracking Numbers [ Insert Numbers ], which explicitly confirm delivery to the merchants facility. 

Merchant Acknowledgment : I provided Discover with documentation proving that XXXX acknowledged receipt of these items by issuing a full refund. 

The Error : XXXX subsequently and erroneously reversed these refunds, claiming non-receipt despite their own prior confirmation and the XXXX delivery data. 


Discover Cards Failure to Investigate : Discover claims to have " investigated '' these disputes, yet they have consistently refused to provide any basis, logic, or evidence for their decision to deny my claim. They have failed to produce any evidence from the merchant that contradicts my XXXX tracking data. 

On XX/XX/2026, I spoke with two representatives at Discover, including a Billing Department Supervisor, XXXX XXXX XXXX # XXXX ). During this hour-long call, the supervisor : - Refused to reopen the disputes despite being presented with conclusive proof of delivery. 
- Refused to provide a written summary or explanation of Discover 's " investigation '' findings. 
- Refused to send a confirmation letter acknowledging my formal request to appeal the denial. 

Regulatory Violation : Discover is attempting to shift the entire burden of proof onto me, forcing me to perform the investigative work they are legally required to conduct under the FCBA. By refusing to honor valid tracking data and refusing to provide a written explanation for the denial, Discover is in breach of federal consumer protection laws.

Desired Resolution : I am no longer in possession of these items, as they were successfully returned to the merchant. I refuse to pay for items that have been documented as delivered. I request that your agency compel Discover Bank to : - Reopen both dispute cases immediately.

- Conduct a proper investigation that acknowledges the XXXX tracking proof. 
- Permanently resolve these charges in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received a notification about a new account on my credit reports, and I noticed a company I didnt recognize. Caine & Weiner placed negative information on my credit reports. I do not know this company nor have I entered into any contractual agreements with them nor did I agree to do any business with them. This company has illegally placed an alleged debt on my credit profile without providing any letter of validation or any other documentation signed by me with my original signature agreeing to do business with them. Caine & Weiner has created a hardship in which has negatively impacted my livelihood and has made it difficult for me to establish new relationships with other businesses which is preventing me from properly providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
On XX/XX/year>, I checked my mobile Santander app and noticed a overdraft. Then, I looked into the transactions and found a {$4000.00} dollars check that was cashed out from my account. The check was wrote and signed pretending it was me, but it looked completely different to the others I write. 
On the same day, I contacted my bank via phone and open a claim reporting the fraud.

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 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Fund
State: CA

Complaint narrative:
I am submitting this complaint concerning XXXX XXXX XXXX  reporting of late-payment information that has not been properly verified. XXXX XXXX XXXX is reporting late payments on Account XXXX for the months of XX/XX/year> through XX/XX/year>. I requested confirmation that the reported late-payment history aligns with XXXX XXXX XXXX  internal payment records and that the delinquency was calculated accurately based on the account balance and status during the disputed months. 

Despite this request, XXXX XXXX XXXX  has not provided documentation or a clear explanation supporting the accuracy of the reported late payments. Furnishers are required by the Fair Credit Reporting Act to ensure that reported information is accurate, complete, and verifiable. Reporting late payments without substantiating how the delinquency was determined fails to meet these obligations and continues to cause harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2026-01-08 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 against Goldman Sachs Bank USA regarding their handling of an Apple Card transaction dispute. 

On XX/XX/XXXX, I made a purchase with XXXX XXXX  ( XXXX ) in the amount of {$1100.00}. Due to excessive delivery delays and defective merchandise, the merchant agreed in writing to issue a refund once the items were returned. 

I complied fully with the merchants return policy and paid for international return shipping. The merchandise was shipped via XXXX XXXX XXXX and delivered to the merchant in XXXX, XXXX on XX/XX/XXXX, as confirmed by official XXXX  proof of delivery and a signed receipt. 

Despite providing Goldman Sachs with merchant emails approving the refund, XXXX tracking, and official proof of delivery, Goldman Sachs repeatedly denied my dispute and stated there was no evidence to substantiate the claim. This statement is factually incorrect. 

Goldman Sachs failed to properly evaluate clear documentary evidence that the returned merchandise was received by the merchant and that a refund was contractually owed. The disputed balance was left on my account even after the account was closed. 

I am requesting that Goldman Sachs : XXXX. Reverse or remove the disputed balance of {$1100.00} 2. Correct any inaccurate credit reporting 3. Provide a written explanation of how my documented evidence was evaluated I have attached a complete evidence packet including merchant correspondence and official XXXX  proof of delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year> I had a call from my bank in XXXXXXXX XXXX XXXX XXXX the person said hi XXXX this is XXXX from XXXX ( whom I knew to be the XXXX  ) said we really need your help.. we have an inside scam going on with an employee at our branch and the XXXX XXXX  XXXX and the XXXX Chase Bank XXXX If you could help we can catch these people today. He said he wanted me to take {$25000.00} out of my account and deposit it into a account that they put on my phone deposit it at XXXX XXXX ask for receipt I told him after the second request I didnt feel comfortable .. he said I had to withdraw & deposit another {$25000.00} from the XXXX XXXX I XXXX for XXXX XXXXXXXX cant I use the banks moneyand he said because they would catch on if it came from their bank so I deposited another {$20000.00} into same account at XXXX depositing I XXXX feeling like I was caught up in something scamish especially when XXXX then asked me to wire money to someone I said no and I believe Ive been scammed and went to the XXXX branch then and spoke to XXXX who I XXXX I had been talking to and he said no XXXX ( aka XXXX ) .. youre being scammed! I asked what could I do and he said to go to Chase Bank to speak with them and was met with icy stares and told they could do nothing to help me. XXXX XXXX mind you, trying to put in/pay for a XXXX  home because I dont have a home. I got this money out of my XXXX  to pay for my home. Chase Bank said they have nothing to do with their ATM .. that the main office takes care of it maintains it etc so I was out of luck!! I called the local police ( XXXX XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
Sent timely debt validation request. The collector only responded with a portal/link. No mailed or substantive validation was provided.The account continued to report to Credit bureaus. They have failed to comply with FDCPA 809 ( b ) and continued collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NV

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the reporting of late-payment information on my account in XXXX. XXXX is reporting late-payment activity for XX/XX/XXXX and for the period of XX/XX/XXXX through XX/XX/XXXX. These reported delinquencies do not clearly align with my payment records, account balance, or account status during the periods in question. Due to these inconsistencies, the accuracy of the reported late-payment information can not be reasonably verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: ME

Complaint narrative:
I revoked ach access. They told me no. I put a stop payment at my bank but they used a different id number. Then I tried asking them to unlink my Checking account they told me no

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Sent debt validation letter I have yet to receive those documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
I am filing this complaint against United Wholesale Mortgage for failing to properly verify and accurately report alleged late payments on my credit file for the account identified as XXXX XXXX XXXX, covering the periods of XXXX, XX/XX/year>, and XXXX. Despite my formal request for verification, United Wholesale Mortgage has not provided competent evidence demonstrating that the reported late-payment history matches its actual internal payment records or that the delinquency calculations were accurate in relation to the account balance and status at the time of reporting. This constitutes a violation of the Fair Credit Reporting Act, including 623 ( a ) and 623 ( b ), as furnishers are required to report only complete, accurate, and fully verifiable information. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding SYNCB/PPCs reporting of late-payment information that has not been properly verified. SYNCB/PPC XXXX reporting late payments on Account XXXX for the months of XX/XX/year> and XX/XX/year>. I requested confirmation that these reported late payments accurately reflect SYNCB/PPCs internal payment records and that the delinquency calculations align with the account balance and account status during the periods in question. To date, SYNCB/PPC has failed to provide documentation or a clear explanation demonstrating how the reported delinquency was calculated or verified. 

Under the Fair Credit Reporting Act, furnishers are required to ensure that information they report is accurate, complete, and verifiable. Reporting late payments without substantiating how the delinquency was determinedparticularly in relation to the accounts balance and statusraises concerns regarding the accuracy of the information being furnished. This unresolved reporting continues to negatively impact my credit profile.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Never got no emails from this company. Just a text message. The company name is XXXX XXXX. They threatened to contact a law firm. I dont even have any money to pay whatever debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OR

Complaint narrative:
On XX/XX/XXXX, Columbia Debt Recovery LLC, doing business as XXXX, notified me of an alleged debt in the amount of {$330.00}, stating it was for unpaid utility charges related to my move-out from XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX has confirmed that I do not owe any outstanding balance. Upon moving out, I received a refund from XXXX XXXX. My final move-out statement clearly shows that all charges were paid in full at the time of move-out and that a refund was issued. 

I contacted Columbia Debt Recovery by phone to dispute the debt and requested verification. They provided an itemized statement of the charges they claim are owed. When I asked who could verify the validity of the charges, I was told XXXX XXXX XXXX. However, I have never received any notice, invoice, or communication from XXXX XXXX indicating that I owe them any money. 

Columbia Debt Recovery instructed me to submit documentation to their compliance department at XXXX to support my dispute. I submitted my final move-out statement on XX/XX/XXXX. Despite this, the debt was still reported to the credit bureaus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I went to a US bank atm machine at XXXX, located in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. I went up to the atm machine and it showed no errors or problems so I proceeded to insert my debit card and deposit my cash. The machine then proceeded to say it had an error and they would withhold my deposit for security reasons. The funds were not in my account and not given back to me. I left and called the number on the receipt wheats I then spoke to many employees who were not able to help or understand my frustration. This is the second time the same exact thing happened using XXXX banks atm machines. The last time it happened they told me it would take up to XXXX business days for a claim to be made and for my funds to reflect in my account. I expressed that my money was needed to pay bills that would not wait XXXX business days and every person I spoke to just said there was nothing more that can 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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had my wallet stolen while I was traveling to XXXX and my credit card was used fraudulently to make XXXX transactions. I file the dispute with the credit card company and they closed the card and provided a provisional credit. After several weeks on XX/XX/year> I received a letter from the credit card company closing the case and making me liable for the transactions because they have determined the activity is valid because the card was identified as being in your possession and chip card technology was used, which can not be counterfeited. Knowing that the card was stolen with my wallet.

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 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute a fraudulent account currently being reported on my credit file. The account in question is being reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I did not authorize for this auto loan to be on my report. 
This account is the result of fraudulent activity, and I am formally requesting that it be investigated and removed from my credit report immediately in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under : FCRA 611 ( 15 U.S. Code 1681i ) Procedures in case of disputed accuracy Please consider this my official dispute and request for deletion. I have included the following documentation as evidence and to verify my identity : A copy of my government-issued photo ID A copy of my Social Security card A copy of the FTC Identity Theft Report I request that you conduct a thorough reinvestigation of this account with XXXX. 
Provide proof of application and contract bearing my signature, if any. 
Remove this fraudulent account from my credit report if it can not be fully verified as belonging to me. 
Please send me a confirmation of receipt and a written response with the results of your investigation within the 30 days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: KS

Complaint narrative:
My phone was stolen on XX/XX/year> while I was working out at the gym. My virtual debit card was attached to my XXXXXXXX XXXX and my card was charged {$480.00} at XXXX XXXX. A PURCHASE I DID NOT AUTHORIZE OR MAKE. I have now disputed this transaction with CHIME 4 TIMES. XX/XX/XXXX, XXXX, XXXX, & XXXX. They are refusing to give my money back to me as I have submitted documentation verifying the purchase of a new phone, an email from XXXX with details of fraudulent transaction information involving my debit card and STILL NO RESOLUTION from chime nor have they sent me information as to why theyre denying my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing a charge from a fraudulent travel company who took my American Express Bread credit card and my existing XXXX XXXX booking number with the promise to pay in full the existing booking number and refund the difference to said card. 
I disputed this charge as services were never rendered. The merchant accepted my payment XX/XX/XXXX to fund my existing cruise for a sailing XX/XX/XXXX, but failed to remit the payment to XXXX XXXX. My mother and I were forced to pay XXXX XXXX separately with our own funds to avoid losing the cruise. 
The original merchant did not provide the service purchased. 
I have provided documentation showing every payment to XXXX XXXX by us and the other credit card statements showing the matching payments. 
The American Express Bread Credit card company refuses to find this dispute in my favor. I have asked American Express Bread Credit card to show merchant proof that they paid XXXX XXXX for this existing booking number and they can not provide this proof nor can the merchant. I have 18 pages of documentation supporting my claim. The merchant phone number on the Bread statement when called, does not know who I am in their system, nor do they know the person who took my card ( XXXX ). The people at this merchant number who answered told me to file a dispute.

Company response to consumer: Closed with explanation