vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2026, a Capital One cardholder voluntarily sent me {$40.00} via XXXX. On XX/XX/2026, the same cardholder sent me {$100.00} via XXXX. Both payments were agreed upon in advance via text message. The cardholder filed chargebacks through Capital One, falsely claiming he didnt make these payments. Capital One ruled in his favor without reviewing my evidence. Dispute XXXX ( XXXX, {$40.00}, XX/XX/2026 ) : Capital One cited no proof of shipment as the reason for ruling against me. This was a peer-to-peer personal payment, not a goods or services transaction. The proof of shipment standard is inapplicable and allowed a fraudulent chargeback to succeed due to misclassification. Dispute XXXX ( XXXX, {$100.00}, XX/XX/2026 ) : Capital One cited Other with no specific justification. I have text message evidence showing the cardholder agreed to both payments, added my XXXX account, confirmed each amount, and stated the purpose of the payments. This evidence was never reviewed before Capital One issued their rulings. I contacted XXXX, submitted the evidence, and allowed them to dispute the chargebacks on my behalf. On XX/XX/2026, XXXX issued final closure notices stating they couldnt dispute further. I have exhausted all available remedies through XXXX. As a result, {$140.00} was debited from my XXXX account due to Capital One processing these fraudulent chargebacks. I request Capital One reverse the decisions and return {$140.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I initiated XXXX ACH transfer out requests from XXXX Savings Acct XXXX : 1. XX/XX/year> Amount {$100000.00}. 2. XX/XX/year> Amount {$100000.00}. The funds were debited from my E-Trade Savings account ending-XXXX but never credited to my XXXX Checking Account. I requested reversal of both ACH transactions {$200000.00} but as of today ( over XXXX days ), the funds have not been returned and I have not received a clear explanation. This involves {$200000.00} in missing funds. I am requesting an immediate ACH trace, confirmation of the funds ' location and prompt credit back to my original saving account. I have E-Trade case number XXXX for ACH Status. The delay exceeds standard ACH processing timelines and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Complaint Regarding GS Bank USA ( Apple Card ) Improper Account Handling Due to Co-Owner Bankruptcy To Whom It May Concern, I am filing a formal complaint against GS Bank USA, the issuer of the Apple Card, regarding their handling of a jointly held credit card account following a co-owners bankruptcy filing. I am a co-obligor on an Apple Card account with an outstanding balance of approximately {$2400.00}. The other account holder has filed for XXXX XXXX XXXX. Despite my willingness and ability to continue making payments on the account, GS Bank USA has refused to accept payments from me and/or has restricted normal account activity due to the bankruptcy filing of the co-owner. As a result : Interest and penalties continue to accrue on the account. I am being prevented from fulfilling my financial obligation. My credit standing has been negatively impacted due to circumstances outside of my control - reporting late payments following the account already being closed and included in bankruptcy I believe this conduct is unfair and potentially violates consumer protection principles, as I am independently liable for the debt and should be permitted to make payments to avoid further financial harm. I respectfully request that the CFPB investigate this matter and require GS Bank USA to : XXXXAllow me to make payments on the account immediately ; XXXXFreeze or reverse interest and penalties accrued during the period I was prevented from paying ; XXXXClarify my rights and obligations as a co-obligor separate from the bankruptcy of the other party ; XXXXEnsure that my credit is not adversely affected due to this issue. I am prepared to provide any additional documentation necessary to support this complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year> a charge was made on my account to a random merchant or payment portal Ive never authorized or have any history with for {$2000.00}. I noticed the funds missing a filed a dispute on XX/XX/XXXX, the dispute was denied on XX/XX/XXXX and the reason thy gave me over the phone was for frequent locking and unlocking of card although they acknowledged the fact and asked me if it was me who changed my online profile password to the account which I did not ( the change was around the time the fraud occurred ) then shortly after I tried to appeal the dispute and then my account was closed due to fraud risks .. so they basically acknowledged my funds were fraudulently taken and closed my account for fraud after verifying I was the actual account holder through id verification and then close the account for fraud but dont give me my {$2000.00} back .. makes XXXX sense and is theft and sad they cant honor my funds or even allow me an account anymore after years of banking with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On or around XX/XX/year>, XXXX initiated transfers from my linked bank account totaling approximately {$83.00}, which were placed on hold by my bank. These transactions were not clearly visible in my transaction history at the time, making it difficult to identify their source. On XX/XX/year>, multiple additional XXXX payments were processed and marked as pending, again pulling directly from my bank account. This occurred despite the fact that I had a sufficient balance of over {$500.00} available within my XXXX account at the time of these transactions. There was no valid reason for XXXX to default to my linked bank account as a backup payment method, as I had more than enough funds available in my XXXX balance to cover these purchases. XXXX requires a linked bank account as a backup payment method, which I can not remove. However, the system appears to default to using my bank account rather than my available XXXX balance without clear or explicit consent at the time of payment. As a result, my XXXX account has been pushed into a negative balance due to these withdrawals, even though sufficient funds were available within XXXX. This has caused financial harm and exposes me to potential overdraft fees. I am requesting an explanation for why my XXXX balance was not used to fund these transactions, reimbursement for any overdraft fees incurred, and correction of this payment processing behavior to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate and potentially misleading reporting of an auto loan account from Exeter Finance LLC. This account was previously disputed and updated in XX/XX/2025. The fact that the account was modified following my dispute indicates that the information previously reported was not fully accurate. However, the account continues to contain inconsistencies : The current reported balance ( {$17000.00} ) exceeds the original loan amount ( {$15000.00} ), without clear itemization or explanation of how this balance was calculated after charge-off The account reflects continuous charge-off status ( CO ) across multiple months, which raises concerns that the account is being reported as ongoing delinquency activity rather than a single charge-off event The account contains incomplete or unclear reporting fields, including missing payment details, which are necessary for accurate credit reporting Under the Fair Credit Reporting Act, information reported must be accurate, complete, and not misleading. The continued presence of inconsistent and unclear data raises concerns regarding compliance. I am requesting : Full documentation and itemization of the balance Clarification of how the account is being reported monthly following charge-off Or removal of the account if it can not be verified as fully accurate and consistent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I am disputing a collection account reported by Fair Collections that is inaccurate and has not been properly validated. On or around XXXX, I disputed this account and requested full validation, including a signed agreement, complete accounting of charges, and proof of legal authority to collect. Fair Collections failed to provide sufficient documentation to support the alleged debt. Additionally, I obtained official court records from the State of Michigan ( Case ID : XXXX, XXXX District Court XXXXXXXX XXXX, which show the case is CLOSED with a {$0.00} balance owed. Despite this, Fair Collections continues to report an outstanding balance on my credit report. This inaccurate reporting has caused harm, including denial of housing. Fair Collections is reporting a debt that is both unverified and contradicted by court records, which is a violation of the Fair Credit Reporting Act. I am requesting immediate deletion of this account from all credit reporting agencies and a full investigation into this matter.

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 2026-04-07 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: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
Ally Financial is reporting a charged-off auto lease balance of {$6400.00} that is inaccurate and can not be properly verified. This alleged charge is based on excess mileage from a leased vehicle that I returned. At the time of return, I was not allowed to complete or sign the required XXXX Transportation Department Form 2300 ( Odometer Disclosure Statement ), despite requesting it multiple times. Because no odometer disclosure was executed, there is no verified mileage to support this charge. Additionally, the account is being reported with incorrect personal identifying information, including my name, date of birth, and address. I have disputed this with the credit bureaus, and it was marked as verified without proper documentation. I am requesting removal of this account unless Ally Financial can provide legally compliant documentation verifying the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquiries that are not mine on my report. I also have other accounts that should've been off if my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
In XXXX of XXXX XXXX pcs contacted me to offer free phones if I stay with them. I declined. XXXX came the mail was chaotic. In XXXX I was mailed a letter saying I owed them XXXX. I spoke to representative and was told the problem would be resolved quickly. It never did. Now Jefferson Capital systems and Indebted are emailing my daily about an amount they want me to pay. They haven't provided me the information I asked for. Which was my personal signature on the contract for the phones. The phones I had were paid for and sis not belong to sprint. They are damaging my credit score and causing me to get denied for many things. I would like this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting a formal dispute under FCRA 611 regarding multiple inaccuracies on my credit report. I recently reviewed my credit file and identified several issues, including inaccurate account reporting, incorrect personal information, and unauthorized credit inquiries. Specifically, there are accounts being reported with incorrect balances, statuses, and/or payment histories that do not accurately reflect my records. In addition, certain personal information listed on my report appears to be outdated or incorrect, which may be contributing to further reporting errors. I also identified several inquiries that I do not recognize and did not authorize. These inquiries may be the result of unauthorized access or improper reporting practices. Upon discovering these issues, I took immediate action by reviewing my records and initiating this dispute to request a thorough investigation. I am requesting that all inaccurate, unverifiable, or unauthorized information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act. Please ensure that all furnishers verify the accuracy of the reported information and update or delete any items that can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint because my card issuer has failed to fully resolve fraudulent charges on my account despite multiple phone calls. Between XX/XX/XXXX and XX/XX/year>, a merchant called XXXX XXXXXXXX XXXX made XXXX unauthorized charges on my card totaling {$1300.00}. I did not authorize any of these transactions. The charges were repetitive, mostly {$19.00} each, sometimes multiple per day, which is a clear pattern of fraud. After I reported the fraud, the charges continued for weeks. The issuer did not block the merchant or take any action to prevent the fraud from recurring while I was actively disputing it. On XX/XX/year>, the issuer processed a partial refund of XXXX credits at {$19.00} each, totaling {$670.00}. This only covered roughly half the fraudulent transactions. XXXX charges totaling {$630.00} remain unrefunded, including XXXX charge of {$9.00} and XXXX of {$29.00} that were not addressed at all. I have called multiple times to resolve this and each time I am met with customer service representatives who are unhelpful and difficult to communicate with, they barely speak English. Nobody seems willing or able to fix the problem. I am requesting a full refund of the remaining {$630.00} in fraudulent charges and any interest charged related to my account. The issuer has already acknowledged the fraud by issuing partial refunds but has not resolved the matter in full.

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 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patient Accounting Service Center
State: CA

Complaint narrative:
I received a letter dated XX/XX/XXXX from ARstrat for Debt collection for Debt Amount : {$380.00} ARstrat Reference Number : XXXX Date of Service : XX/XX/XXXX, XX/XX/XXXX I sent them a certified letter XX/XX/XXXX requesting debt validation and proof that XXXX XXXX was authorized to share my protection medical information with them as a third party under the Health Insurance Portability and Accountability Act ( HIPAA ). ARstrat sent a response dated XX/XX/XXXX ; however, it only provided a " payment amount '' or a settlement offer of {$45.00}, which did not constitute debt validation under the Fair Debt Collection Practices Act ( FDCPA ). They failed to provide the following items previously requested : Itemized Proof of Debt : A full breakdown of the original charges, including principal, interest, and any added fees. Contractual Evidence : A copy of the original agreement or invoice from XXXX XXXX. XXXX Authorization : Documentation proving they are legally authorized to possess my protected health information ( PHI ) and that XXXX XXXX was authorized to transfer this specific data to a third party. A certified letter was sent by me on XX/XX/XXXX giving them an additional XXXX days to provide the documentation requested in my original letter. If they couldnt provide it, I demanded they : Immediately cease all collection efforts. Close the account in your files. Ensure no derogatory information is reported to any credit reporting agencies ( XXXX, XXXX, or XXXX ). On XX/XX/XXXX, they sent another response in the mail with none of those and just requesting now {$75.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: HI

Complaint narrative:
Complaint Against Apple Card / Goldman Sachs XXXX am filing a complaint regarding the handling of a disputed charge on my Apple Card, issued by Goldman Sachs. On XX/XX/year>, I made an in-person purchase in XXXX for a vintage XXXX watch totaling {$300.00} USD. The item was defective at the time of sale. The first watch provided had a cracked face and was not functioning. After I raised this issue, the merchant exchanged it for another watch and represented that it was working. Within minutes of leaving the store, I discovered the replacement watch was also non-functional ( the hands were not moving ). I returned immediately to request a refund or exchange, but the merchant refused to assist further. I filed a dispute with my card issuer, clearly stating that the merchandise was defective and misrepresented. However, my claim was denied multiple times despite providing a detailed explanation of the situation. I believe my dispute was not properly investigated under consumer protection standards. The item was clearly defective at the time of sale, and I made a good-faith, immediate attempt to resolve the issue directly with the merchant, which was refused. Additionally : I was not provided a receipt or return policy I was not informed of any final sale terms I was unable to receive assistance from the merchant due to language barriers and dismissal The product does not function as described or expected After returning back to the states I had the battery replaced at a watch repair and it still not working Under consumer protection principles, I believe this constitutes a valid billing dispute for defective merchandise and misrepresentation, and that my claim should be reconsidered with a full and fair review. I am requesting that the charge be reversed and that my account be credited for the full amount of {$300.00} USD. Thank you for your review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
* * Complaint Against : PayPal , Inc. * * * * Issue : Failure to Honor Buyer Protection Case ID XXXX * * I am submitting a complaint regarding PayPals handling of a dispute involving a transaction processed through their platform. * * Transaction Details : * * * PayPal Case ID : XXXXXXXX XXXX Transaction ID : XXXX * Invoice ID : XXXX * Seller : XXXX XXXX ( [ XXXX ] ( XXXX : XXXX ) ) * Transaction Date : XX/XX/year> * Amount : {$89.00} USD The item I received was not what I purchased. I ordered a * * XXXX XXXX XXXX XXXX XXXX XXXX Hoodie ( Dark Grey/Black, New, Verified ) * * but instead received a * * different red hoodie that appeared worn and missing the XXXX XXXX XXXX * *, despite shipping from their verification center. This clearly qualifies as an * * Item Not as Described * * case. PayPal denied my claim citing invalid return tracking, even though : * This is not a voluntary return situation * The sellers error caused the issue * The missing verification tag ( not caused by me ) creates a high risk that any return would be rejected I provided photo and video evidence demonstrating : * The incorrect item * Missing verification tag * Condition discrepancies PayPals decision fails to properly evaluate the facts and places the burden on me to fix the sellers mistake * * Resolution Requested : * * * Full refund of {$89.00}, OR * A prepaid return label with written confirmation that the return will be accepted and no fees will be charged I request a formal review of this case and PayPals dispute practices. Reference : PayPal XXXX ID XXXX

Company response to consumer: Closed with monetary relief