vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I disputed charges for an esthetics program that I was removed from before completion. My dispute was denied despite the fact that the service was not fully rendered. I did not voluntarily withdraw. I submitted a grievance and requested resolution or a refund. The school unilaterally terminated my enrollment and prohibited my return, preventing me from completing the program I was actively paying for under a payment plan. The merchant claimed services were provided ; however, completion of the program was not possible due to their actions. Additionally, the grievance process was not handled by a neutral party. The same individual who was the subject of the grievance and the recipient of tuition made the decision to terminate my enrollment and deny a refund. I believe my dispute was not properly evaluated under services not rendered as agreed, and I am requesting a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Aidvantage assumed my loans from XXXX. The transfer occurred during the month of XXXX. I have payment confirmations from XXXX as well as a complete extract of my loans prior to transfer, and Aidvtange has made several changes regarding fees due including incorrect amounts, incorrect APR for each loan, incorrect payment history, the monthly amount due across all loans is {$560.00} per month whereas the total due between ALL loans ( both those serviced prior by Advantage and those transferred is below {$350.00} per month. I tried to correct the issue with the servicer directly, who could not provide documentation supporting the total monthly payment due across all loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of the student loan tradelines reported by Nelnet and XXXX XXXX. These accounts are reporting a status of " Forbearance '' that I never authorized. Under the Fair Credit Reporting Act ( FCRA ), reported information must be 100 % accurate ; however, these records are fundamentally flawed. Specific Violations : Forbearance Steering : Nelnet/XXXX XXXXXXXX engaged in " Forbearance Steering '' by placing my account in forbearance without my consent, knowledge, or a signed application. This deceptive practice was used in lieu of providing mandated communication regarding income-driven repayment options. Lack of Transfer Notice : My debt was transferred between entities without any formal notification for several years, depriving me of my right to manage the account. Failure of Reasonable Reinvestigation : I have previously disputed these tradelines with XXXX, XXXX, and XXXX. Their failure to correct these unauthorized statuses violates the FCRA requirement for a " reasonable reinvestigation. '' This inaccurate reporting has caused measurable financial harm, including negative impacts on my credit score that directly interfere with my ability to secure housing and business financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am a XXXX XXXX currently XXXX to XXXX for the next 12 months and Im having problems accessing my funds from chime bank multiple times. This is a very challenging situation for me because I am not able to pay my bills Ive contacted chile on multiple occasions and cant find a solution my understanding I need a state issued id or passport to confirm my identity but the situation that Im in I dont currently have any of those documents while XXXX in XXXX XXXX I do have a military issued government identification, social security card, and birth certificate the only solution that they can come up with is to be without funds for the next 12 months which is totally unacceptable I deeply need a answer in this situation also my account was flagged for suspicious activity because I logged into with my new phone

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NC

Complaint narrative:
Revco Solutions # XXXX The hospital invoice is a Workman 's Compensation Claim. XXXX XXXX XXXX is the WC handling the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2026, I went in person to Chase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding a missing disbursement check owed to me in the amount of {$56000.00}. During that branch visit, I requested that Chase place a STOP PAYMENT/void on Check No. XXXX ( Amount : {$56000.00} ) and reissue a replacement check because the original check was not received. My mailing address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today, I have not received the reissued replacement check, and Chase has not provided written confirmation of ( XXXX ) the stop payment, ( XXXX ) the date of reissuance, or ( XXXX ) tracking details for the replacement payment. The funds remain outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fulton bank. I asked for autopay. They don't give me access to their secure message or live chat because I don't have a checking account. I tried to setup autopay. I mailed in a form but they said they never got it. I emailed in a form after asking numerous times for a way to send it to their bank. Before this- they said the only way was to come in person. I can't because I live hours away. After emailing it, I was told by the rep that she would call me back to let me know if it went through and if there was anything else to do. She never did. It has been a huge waste of time for everyone involved. They don't communicate. They don't follow up. They don't make it easy to set anything up. I just want to pay my mortgage. It shouldn't be this hard.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
There are XXXX judgments against me. XXXX XXXX and XXXX. Both are from Portfolio Recovery. Both have XXXX digits of my social on display even though thats against court rules and I am a victim of ID theft. I never received any notice of these accounts being in collection let alone a lawsuit filed. If any notice would have been given I would have contested the fraud immediately and submitted this back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I sent a payment of {$280.00} to the wrong person and CashApp will do nothing about it. Twice Ive created a report about this. But no one has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
The collection agency, Eastern Account Systems, is trying to collect a debt that has been paid to the original creditor. The debt does not belong to them as it has already been paid and the balance is at {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: KS

Complaint narrative:
I called to say I have a financial hardship that I can't pay per item because it was getting up to {$300.00} a month. I asked them for a payment plan for month like XXXX to XXXX a month. They said no that they can't help me. I want to pay this off but I can't pay per item.

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

Complaint narrative:
I purchased an XXXX ticket for {$150.00} through PayPal. I arrived at the boarding location five minutes prior to departure well within the required boarding window and was denied boarding along with several other passengers, without justification or explanation. No service was rendered. I did not travel. I disputed the charge with PayPal providing clear evidence of the denied boarding. PayPal failed to conduct a fair and thorough investigation, ignored the evidence presented, and wrongfully sided with XXXX. PayPal is in violation of Regulation E ( 12 CFR Part 1005 ), the Electronic Fund Transfer Act, the Dodd-Frank Act Section 1031 ( UDAAP ), and its own Buyer Protection Policy by retaining funds for a service that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
My account is with representative XXXX XXXX. I called trying to resolve my balance and he was just rude. Cutting me off. I went and said that alcohol, the place that I have to debt with. He still kept cutting me off then said Ill provide with my number because youll be calling me back and hung up on me so I called to speak with the supervisor. I tried to explain the situation and she basically ignored me and then said that I wasnt let her talk, but I was trying to explain the situation I just happened and then she started being smart basically accusing me of not letting them talk and Im like the first thing as a manager you should do is apologize for what I want you through with the last representative and then she started getting smart because she got offended when I wasnt being smart. I was talking very communicative, very professional, but she was very rude as well and her name was XXXX I cant spell it but her last name was XXXX. So I asked to speak with someone high and she yelled ok and transferred me to a voice mail. My whole issues was to resolve my balance no get yelled at and be little about a debt. I asked about and offered and said I couldnt afford that offer and it went left with the representative. All I want to do is pay off my debt thats it but at this point its better to just let it stay there for the 7 years and leave it at that because I dont even want to deal with the agency anymore they talk to clients like we owe them money. Im highly upset

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX, I sent Select Portfolio Servicing an initial letter notifying them that I had been appointed Personal Representative of the borrowers estate. That mailing included the death certificates of both of my parents and my Letters of Authority. It was sent by certified mail, and I have the return receipts. On XX/XX/XXXX, SPS sent a letter stating that they required certain information before granting access. However, the information listed in their letter was the same information I had already provided. In fact, I had sent more than what they requested. On XX/XX/XXXX, I sent SPS a Notice of Error. That mailing included my Letters of Authority, the death certificates of both parents, a copy of my drivers license, certified mail return receipts for my prior submissions, and a copy of SPSs denial letter. On XX/XX/XXXX, SPS responded to the Notice of Error. In that response, SPS acknowledged receiving the executor documents, but still stated that additional information was required. SPS claimed that under state guidelines they needed a deed executed by the grantor describing the land conveyed, the consideration, and containing a notary acknowledgment, or a deed from the Personal Representative of the estate. I am not seeking access as the personal owner of the property. I am seeking access in my capacity as the duly appointed Personal Representative of the estate. SPS is improperly demanding proof that ownership of the house transferred to me personally before granting account access. At some point thereafter, the estate attorney contacted SPS on my behalf. I do not know the exact date, but in an email dated XX/XX/XXXX he stated that he had spoken with the loan department, obtained a payoff balance, and confirmed that the loan was not in arrears. While SPS has continued denying me account access, I have continued making the monthly mortgage payments. Because I do not have online access or account statements, I have had to send the payments with cover letters containing the account information. Those payments were sent by certified mail with return receipts, and SPS has accepted them. SPS has therefore had the documentation needed to recognize my authority, has acknowledged receiving estate documents, has accepted monthly mortgage payments from me, and yet continues to deny me access to the mortgage account as the duly appointed Personal Representative of the estate.

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

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and duplicative reporting on my consumer credit file in violation of the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ). My credit report reflects multiple late open tradelines that contain conflicting and repeated information for the same accounts, resulting in misleading and unreliable credit reporting. The XXXX XXXX account is reported with a current balance of {$9000.00} and an account opened date of XXXX, but it is inconsistently reported with a blank last activity field ( -- ) as well as XXXX, and appears multiple times as a late open tradeline with identical balances and conflicting status information. XXXX XXXX XXXX XXXX XXXX account is reported with a current balance of {$30000.00} and an account opened date of XXXX, but is also duplicated with inconsistent last activity dates of XXXX and repeated late open reporting across multiple entries, creating duplicative and conflicting tradelines for the same obligation. Additionally, XXXX XXXX XXXX XXXX XXXXXXXX is being reported with a current balance of {$290.00} and is improperly tied to both open and late status reporting across multiple entries, further contributing to inconsistent account characterization and unclear payment history. The presence of repeated tradelines with identical balances but conflicting status and activity dates indicates that the information being furnished is not being reported with maximum possible accuracy as required under FCRA 623 ( a ), and that reasonable reinvestigation procedures under FCRA 611 have not resolved these discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following accounts, which appear on my credit file but do not belong to me : LVNN FUNDING LLC {$1500.00} XXXX XXXX - XXXX - {$1100.00} I have had a police report due to a theft i had loosing my id and social security number that police case # is XXXX XXXX XXXX These accounts were fraudulently opened and should not be associated with my personal credit history. I request that these accounts be investigated immediately and deleted from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). A review of my credit history will show that I have maintained accounts with higher credit limits, consistent usage, and XXXX late payments. This pattern further confirms that these disputed accounts are inconsistent with my established credit behavior. To verify my identity and support my claim, I have included documentation, including proof of my active-duty military status through SCRA documentation, as I am a member of the XXXX XXXX XXXX XXXX These fraudulent accounts were opened without my knowledge or authorization. I respectfully request written confirmation once the investigation is complete and the fraudulent accounts have been removed. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my membership with XXXX but on XX/XX/year> I was charged {$38.00}. I contacted Cashapp for my money back and they refused. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TriVerity, Inc.
State: TX

Complaint narrative:
XX/XX/2026, I made my third and final payment on the debt owned by XXXX XXXX XXXX to Triverity, their authorized third-party debt collector. However, XXXX XXXX XXXX ( XXXX ) has consistently reported the incorrect balance owed, every month. Given that I have paid the balance off in the full amount, I contacted Triverity about the reporting discrepancy and was told that XXXX controls credit reporting and not them, so I would need to contact XXXX and that although the balance is currently paid in full and the account is resolved they would not make XXXX aware of the payoff until XX/XX/XXXX because " they have a lot of clients ''. XXXX reports once at the beginning of the month, this means that I will not see the correct reporting until XXXX, maybe. At no point this year of XXXX has XXXX reported accurate balance information so I have no faith that waiting until XXXX will resolve this. I am currently in the process for a new mortgage and the blame game between this two entities is causing me financial strain. I called XXXX to be told they were aware of 2 payments but not a third and final, however, even with that, the reported balance is still incorrect, as the second payment from 2 months ago is still not reported. I have paid, now report the accurate information promptly as you would if it were late and or unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Company Name : VyStar Credit Union Product : Checking joint Account Issue : Incorrect information on account / Identity information incorrect Complaint Description I am filing a complaint against VyStar Credit Union regarding a serious and incorrect classification of my personal status as deceased. On or about [ insert date ], I was informed by VyStar representatives at a branch and through customer service that their system reflects a deceased indicator on my profile. I was told this information allegedly originated from a Social Security record. This information is false. I immediately contacted the Social Security Administration and confirmed that : My Social Security record is active I have not been reported as deceased There is no death record associated with my Social Security number Additionally : My credit reports ( XXXX XXXX XXXX ) do not show any deceased indicator I have been actively employed and filing taxes, including receiving refunds, which would not be possible if I were reported as deceased Despite providing this information to VyStar, they have : Refused to open a formal dispute or investigation Refused to provide documentation supporting the source of the alleged death report Stated they can not provide proof because it is an internal code Required me to obtain documentation from Social Security that does not formally exist ( proof that I am alive ) This is unreasonable and places the burden on me to correct an error that originated within VyStars systems or their data providers. This situation is extremely concerning because : Being incorrectly flagged as deceased can impact access to financial services It raises serious concerns about the accuracy of data handling and reporting VyStar has not taken appropriate steps to investigate or correct the issue

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 non-monetary relief