vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Timeline of Events & Evidence of System Failure : Security Protocol Inconsistency : On XX/XX/scrub> 2026, my account correctly DECLINED a transaction of {$98.00} from merchant " XX/XX/XXXX '' because my account was over its credit limit. ( See screenshot : " Declined - Over Spend Limit '' ). 

The Authorization Failure : Despite declining the {$98.00} charge, the bank subsequently AUTHORIZED a massive transaction of {$2600.00} from " XXXX * XXXX. '' on XX/XX/year>2026. 

The Result : This erroneous authorization pushed my Total Balance to {$8800.00} against a Credit Limit of {$6800.00}, leaving me with an Available Credit of - {$2100.00}. The bank 's safety protocols failed to stop a charge that exceeded my limit by over 30 %, despite stopping a much smaller charge the day prior. 

Bank 's Admission of Error : I contacted support and spoke with XXXX XXXX. The agent reviewed the account and explicitly stated in writing : " this may be the reason of the glitch you see. '' The agent acknowledged the anomaly and stated, " the dispute is already created. '' The Compliance Violation : Despite Agent XXXXXX/XX/XXXX admission of a " glitch, '' when I requested to formalize the dispute with XX/XX/XXXXXXXX under the Fair Credit Billing Act ( XXXX ) for " Services Not Received '' ( due to merchant lockout ), the supervisor refused to proceed. 
Instead of honoring the dispute started by the previous agent, XXXX XXXX cited " legal actions '' and terminated the contact immediately without providing a Case Number or confirming the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Complaint description : In XX/XX/XXXX, I purchased a used vehicle from XXXX XXXX XXXX in good faith. The vehicle was represented and sold to me as being in good condition. The vehicle purchased was a XXXX XXXX XXXX for a total purchase price of {$27000.00}. 

Shortly after I began using the vehicle, I started noticing mechanical and structural issues that were not disclosed at the time of sale. I promptly contacted the dealer to report these concerns and returned the vehicle for inspection. After continued issues, I took the vehicle to my own trusted mechanic for a full evaluation. 

During this inspection, my mechanic discovered significant water damage underneath the vehicle, indicating prior flooding or water exposure. This condition materially affects the safety, value, and reliability of the vehicle and should have been disclosed prior to sale. At no point was I informed that the vehicle had sustained water damage, nor was this reflected in the dealers representations about the condition of the vehicle. 

I believe I was the victim of deceptive practices and false pretenses, as the vehicle was sold to me as being in good condition when, in reality, it had hidden water damage that was not observable during a standard consumer inspection. I relied on the dealers representations when making this purchase. 

I am requesting that this matter be investigated and that appropriate corrective action be taken, which may include financial relief, contract review, or other remedies deemed appropriate. I am seeking accountability for the misrepresentation and nondisclosure that occurred in this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXXsued and want to garnish wages without giving me opportunity to make payment plan. 

I just received a letter dated from XX/XX/scrub> 2025. I receivedXX/XX/XXXX months later.

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 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My XXXX credit card through Comenity Bank has been paid in full. Now they are charging me a late fee and interest on top of the previous late fee which is presently under dispute. I spent over XXXX XXXX  on the phone with them yesterday and they advised me that XXXX of the late fees were credited back to my account yesterday, but when I sign into my online account there is no such credit. This whole situation started with them saying that my XX/XX/year> payment was late. My bank mailed this payment to Comenity Bank on XX/XX/year> and I believe they were late in posting it. I've asked for written proof that they didn't receive the payment for XXXX business days, but they have yet to provide confirmation. Now they're saying there's a late fee credited back to my account but it's not showing on my account.... I don't believe anything they say and want written proof. 
I should NOT have to pay the XXXX late fee and since it's under dispute, I certainly should not have to pay interest and another late fee in XXXX. I have closed the account, but want this to be resolved and my credit corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi, I depositing a check to my Truist account on XX/XX/XXXX and they cleared the funds on XX/XX/XXXX from my other bank. 
Truist has decided to hold my funds till XX/XX/XXXX claiming confidential information. This has created financial hardship and is akin to my son who needs to pay his rent/tuition. I feel this is a terroristic activity by Truist bank.

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 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
his lender furnished information to the credit bureaus that has resulted in a XXXXpoint decrease to my credit score. The information being reported does not accurately reflect the true status of my account and is misleading and incomplete. 

Specifically, the lender reported the account in a manner that fails to reflect my actual payment activity and added fees that do not represent the true balance history. This reporting creates a false and damaging representation of my credit profile. 

Under federal consumer protection requirements, furnishers are obligated to provide information that is accurate, complete, and not misleading. The information being reported by this lender fails to meet these standards. 

Because of this inaccurate reporting, I have suffered material harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
Since last year, I have fallen behind in my mortgage payments due to financial issues. I have been in touch with Planet Home Lending multiple times, and they acknowledged they had the information on file. I was advised I owed a total of {$2700.00} that needed to be paid by XX/XX/year>. I confirmed we would have that amount by then and would be caught up on the payments. Also, if I thought I would not be able to do so, call the last week of XXXX and they would see what could be done. 
On XX/XX/XXXX, I received a call at XXXX XXXX from XXXX id XXXX and was advised I now owed {$3900.00} which included past payments, legal fees and miscellaneous charges, all which had to be paid by XX/XX/XXXX and that my forbearance expired at XXXX on XX/XX/year> and there was nothing else that could be done. I told him that I could make one payment on XX/XX/XXXX, when my SSA check is deposited. Late that day I spoke with XXXX id XXXX, and he gave me the same information. 
On XX/XX/year>, I was informed by phone that my account was submitted for forbearance review and that payments were on hold pending a decision. I requested a letter, text or email confirming this information and I was told this will not happen. He did confirm that all calls are logged and kept on file, but company policy states the customers never get copies. I then advised all correspondence must be done by letter, text or email as I no longer trusted the calls were being documented correctly. I then terminated the call. 
I have sent a letter to the ligation department via their email and also mailing a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year>, I received notice that my checking account was overdrawn in the amount of {$150.00}. I deposited {$160.00} at the US Bank branch. However, without my knowledge, I had been charged two separate overdraft fees of {$36.00}, totaling {$72.00}. These charges were dated XX/XX/year>, the same day as my deposit, and should not be valid. US Bank put my account in arrears, and did not inform me. 

Two further charges were placed on the account, a charge of {$10.00} on XX/XX/XXXX and a charge of {$39.00} on XX/XX/XXXX. Without informing me, US Bank placed two overdraft charges, again totaling {$72.00}, which is greater than the actual charges. 

I was not notified my account was overdrawn until XX/XX/XXXX, when I was informed I needed to deposit {$200.00} to bring the account current. 

On XX/XX/XXXX, I called US Bank 's customer service, but was told I was ineligible for a " courtesy '' reversal of the overdraft charges. I tried to explain that the overdraft charges were invalid, and was transferred to a different line, then disconnected. 

I deposited {$200.00} into the account at a local branch, then closed my accounts, in order to avoid further surprise overdraft charges.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have provided an official FTC Identity Theft Report ( # XXXX ) to the credit bureaus and Portfolio Recovery Associates. Under 15 U.S.C. 1681c-2, once a consumer reporting agency receives this report and proof of identity, they MUST block the information within 4 business days. 
The company has willfully refused to honor this federal block, citing " incorrect account numbers '' or " formatting '' as an excuse. This is a bad-faith stall tactic. The FCRA does not grant bureaus the authority to reject a Federal Affidavit over clerical formatting when the account ( Portfolio Recovery # XXXX ) has been clearly identified. 
II. ADMISSION OF MIXED FILE ERROR : The original creditor, XXXX XXXX XXXX, has already explicitly admitted that the data for this account belongs to an individual named " XXXX XXXX. '' I am not XXXX XXXX. By continuing to report this data after being informed of the misattribution, the company is failing to follow " reasonable procedures to assure maximum possible accuracy '' under FCRA 607 ( b ). 
III. FRAUDULENT BALANCE REPORTING : Furthermore, reporting a {$690.00} balance on a {$300.00} secured card is a mathematical impossibility and a violation of the Fair Credit Billing Act ( FCBA ). The company is reporting inflated, unauthorized fees and interest on an account that isn't even mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
ON XX/XX/year>, THE BANK ISSUED THE AMOUNT FOR SSI. ON XX/XX/year>, THE BANK ASSIGNED A NEW BANK CHECKING ACCOUNT NUMBER USING XXXX XXXX XXXX ( XXXX ). THERE WAS A CREDIT OF XXXX THAT IS SHOWING OVERDRAFT FEES AND OTHER TRANSFERS. THE BANK IS NOT ALLOWING ME DISPUTE THE CHARGES. WHEN EXPLAINING TO THE BANK THERE IS CURRENTLY DISTRICT ( XXXX XXXX ) CHARGES THAT ARE BEING TAKEN OUT THE BANK TELLER STATED FOR TO CONTINUE TO TAKE OUT CHARGES EVEN THOUGH THE BALANCES ARE NOT SHOWING THE SAME AMOUNT. THE COURT ORDER WAS TODAY 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 2026-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I attended a XXXX  meeting with XXXX ( a XXXX platform ). Before I subscribed to their service I asked the rep about their refund policy, and he specifically told me I have 7 days to request for a full refund. That said, I subscribed to their service. He scheduled me for an onboarding so I can learn how to use the system on XX/XX/XXXX. The next day, the onboarding agent spent 20 to 25 minutes and cut off short. He didn't even cover half of the materials. He then said he'll reschedule for the following week, which would have meant that I would be outside of my refund period. I didn't feel comfortable at all with this platform, and not knowing how to use it and operate it, etc. So I canceled the service on XX/XX/XXXX by both calling, texting and emailing XXXX, which at this point I'm well within the refund period. on XX/XX/XXXX a rep name XXXX emailed me and confirmed that he had received my request to refund, but he wants to talk to me some more to address my concerns. I replied and said I just wanted to cancel my subscription. later that day, XXXX started posting on my social media via their automated AI system. That was not my doing at all, I had not even signed on to their platform. Everything including my information and picture was taken on XX/XX/XXXX by the sales rep and XX/XX/XXXX by the onboarding agent while setting up my account. In fact I have not been on since XXXX. I sent proof of all communications to Bank of America credit card XXXX, and they did not resolve but instead they choose to side with XXXX when it is very clear that I had already canceled the subscription the day before. When I spoke to the dispute department they claim that XXXX had sent them proof that I had used the system on XX/XX/XXXX, this is a blatant lie, and I asked them ( BofA reps ) for proof and was denied. This was a very expensive charge for not receiving any service ( {$1200.00} to 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 monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: OH

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I opened a XXXX Credit line. I paid my balance ahead of time and they still processed my set auto pay for XX/XX/XXXX that resulted in a negative balance of {$1300.00}. I asked for a refund either on paypal balance, to the card, other card or bank and they state that the only option is true a mailed check. The issue is I'm a service member in the XXXX XXXX currently XXXX at the XXXX XXXX XXXX area and my mail cut-off is next month which will result in the check not getting here ln time. I wouldn't be able to receive this check in at least 4 or 5 months which is when I'm set to go back. They stated that's the only way they're willing to process it. They made a mistake of double charging me and now they're holding a large amount of money from me with no legitimate reason. The reference number for the case is : XXXX. No care or attempt to correct their mistake. I paid on time and cleared my debt conveniently and fast. I expect them to have the same decency.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

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 2026-02-18 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: Chime Financial Inc
State: NH

Complaint narrative:
On XX/XX/XXXX, at XXXX, I was charged for 2, {$100.00} purchases from XXXX XXXX 

On XX/XX/XXXX, I filed a dispute for one of these charges. Since they have identical times, I wasn't sure which one I disputed so I added additional info and disputed the 2nd {$100.00}. The 2nd dispute was acknowledged by Chime. 

On XX/XX/XXXX, I was given a provisional {$100.00} deposit. 

On XX/XX/XXXX, Chime concluded that no errors were found and were closing the case. 

On XX/XX/XXXX, I called XXXX and asked about these charges. The girl I spoke with said it appears that my card may have been compromised. A purchase was made by XXXX XXXX but the payment was not received by XXXX. She gave me a case number to give to Chime and encouraged me to follow up to have this person apprehended as soon as possible. 

On XX/XX/XXXX, I called Chime and spoke with a girl who said the case would be reopened. I also told her that I had 10 or 11 attempts to charge my account for {$39.00} on Sat XX/XX/XXXX from XXXX through XXXX all from the XXXX store XXXX 

On XX/XX/XXXX, at XXXX I received an email stating that no error occurred and therefore my case was closed.

Company response to consumer: Closed with explanation