vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/year> I opened a new Marcus high-yield saving account. I made this decision based on the online posting which stated the following : EARN {$1500.00} when you deposit {$100000.00} in Eligible New Funds and maintain for 90 days. Must also maintain starting balances for 90 days. AND I CLICKED ON THE " ENROLL TODAY '' BUTTON IN THIS AD. AND MARCUS IS SAYING I DIDN'T ENROLL. Because of the {$1500.00} dollar incentive I decided to move {$100000.00} dollars, which is a lot of money to me, into this Marcus Goldman Sachs saving account. I literally clicked on the Enroll Today link from above and followed all the instructions and move {$100000.00} dollars into this account. Fast forward to XX/XX/year> and I noticed they didnt put {$1500.00} into my account. I chatted and called Marcus Goldman Sachs and they told me in writing and on the phone, you never enrolled in the program and sorry for the misunderstanding, can I help you with anything else. ARE YOU KIDDING ME. This is unbelievable. I did everything they required and now they are reneging on my {$1500.00}. THIS IS A TOTAL SCAM, and I wont stop pursuing this issue until I get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Freedom Mortgage Company
State: AZ

Complaint narrative:
Its too long to describe in detail because it has been going on since XX/XX/year>. I have so much evidence to show most of the details but this complaint for will not let me upload everything. I tried to communicate with Freedom Mortgage starting back in XXXX of this year. They would not return messages, emails and phone calls leaving a voicemail. If I did get through I would get a different story from each different customer service personnel. I was lied to, I was told false and incorrect information. When I asked to be transferred to a supervisor the call would either drop or go unanswered. It took until XXXX for an actual supervisor to contact me, his name was XXXX and his identification number but over voicemail it came out XXXX XXXX. He listened to everything I said, he acknowledged that Freedom Mortgage had made serous accounting errors for months. He could not answer as to why I could not speak to a competent person from XXXX to XXXX. He apologized on behalf of his company. He told me that everything would be fixed from now on and correct. It is far from it, still so many mistakes on my account, unexplained delays on applying my mortgage payments. Withdrawing money from my checking account without my permission and no explanation for taking that money. The have the worst customer service, communication and no explanations for anything. I have so many documents that would give you the bigger picture but this form will now allow me to upload all the information to give you. To submit this document it states that not uploading a file will not make it possible to ever upload anything.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CO

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-21 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: CA

Complaint narrative:
I am filing a complaint against PayPal regarding unexplained PayPal loss recovery deductions from my U.S. PayPal account. Affected PayPal account email : XXXX On XX/XX/year>, PayPal deducted the following amounts from my XXXX balance : XXXX. USD XXXX Transaction ID : XXXX XXXX. USD XXXX Transaction ID : XXXX XXXX. USD XXXX Transaction ID : XXXX The total amount deducted was USD XXXX. I understand that the USD XXXX deduction may be related to a valid negative balance. However, I do not understand why PayPal also deducted USD XXXX and USD XXXX. These two additional deductions were labeled as PayPal loss recovery / correction transactions, but PayPal has not provided a clear transaction-level explanation showing where the funds were applied. I need PayPal to explain, in writing, for each deduction : 1. Which PayPal account, negative balance, original transaction, dispute, chargeback, or case each deduction was applied to 2. The original transaction ID, case ID, dispute ID, or chargeback ID related to each deduction 3. Whether the deductions were used to offset another PayPal account 4. The remaining negative balance after each deduction 5. Whether any part of the USD XXXX or USD XXXX deductions was duplicated or incorrect I have tried to resolve this directly with PayPal. I previously contacted PayPal support and was told to wait for an email, but about XXXX month passed and I did not receive a clear written explanation. I also tried to contact PayPal through Message Center from the affected account XXXX, but that account could not reach a human agent. I then contacted PayPal live chat from my other PayPal account, XXXX. A PayPal live chat agent named XXXX told me that he could not validate XXXX through that chat and advised me to call PayPal support. He also noted the issue on the account XXXX. The live chat record shows that I explained the issue and provided the transaction IDs. The XXXX agent confirmed that the issue would be noted on XXXX, but I still have not received a clear transaction-level breakdown for the USD XXXX and USD XXXX deductions. I am requesting that PayPal provide a written transaction-level breakdown for the USD XXXX and USD XXXX deductions. If either deduction was incorrect, duplicated, or not properly supported by an original transaction, dispute, chargeback, negative balance, or case, I request that PayPal refund the incorrect amount back to my PayPal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Chime Financial Inc
State: LA

Complaint narrative:
I talk to a company name XXXX XXXX about a motor they had one so I paid for it and never received the motor so they text me saying the shipper not responding to them so they was refund my money back in 24 hours I should have it so after 24 hours I tried calling them and never answer my call well I call chime bank and disputed to get my {$1400.00} back i sent the information from the company that was texting me on my refund so they denied it then I reported it to the police department and they gave me a a fraud stolen report on that company i turned it in to chime reopened my dispute.They denied it again with the police report so im trying to see how can I get my money back thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NM

Complaint narrative:
In XX/XX/year>, I purchased a vehicle from XXXX financed through American Credit Acceptance. The vehicle purchase price was approximately {$40000.00}. My monthly payment was set at {$1300.00}. I later discovered the loan carried 28 % interest rate, which I do not believe was clearly or properly explained to me before I agreed to the financing terms. Since the start of the loan, I have paid approximately {$74000.00} toward this account, yet I still reportedly owe approximately {$49000.00}. Based on the amount already paid compared to the original purchase price and current balance, I believe this loan should be reviewed for potentially predatory, deceptive, or unfair lending practices. I do not believe I was adequately informed of : the true APR, the total finance charge, how payments would primarily apply toward interest, or the long-term cost of the loan. Additionally, the account has negatively impacted my credit reporting despite the substantial amount paid toward the loan. I am requesting a full investigation into the loan origination, disclosures, interest calculations, payment application history, and credit reporting practices associated with this account. I respectfully request : A complete accounting/audit of the loan and all payments made, verification that all required disclosures were properly provided before signing, Investigation into potentially deceptive or predatory lending practices, Review for interest reduction, principal reduction, settlement, or other hardship resolution options & Review and correction/removal of any inaccurate or unfair negative credit reporting I am attaching supporting documentation including the finance agreement, payment history, payoff balance, and credit reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I spoke with XXXX XX/XX/XXXX at XXXX XXXX who told me hed contact their attorney and call me back to explain the balance being reported. A week passed and I never heard back and called he then said the balance is what they hadnt received from the court. I have court documents showing dates and amounts I paid according to what the court ordered me to pay. When we went back to court I was told if I paid a final payment of {$970.00} and vacate the premises by XX/XX/XXXX the eviction would be sent for dismissal. XXXX attorney XXXX XXXX XXXX XXXX XXXX sent me the final court document signed XX/XX/XXXX by XXXX XXXX XXXX and the documents showing each payment up to me moving out which shows a XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, currently XXXX at XXXX XXXX XXXX , hereby state under penalty of perjury that the XXXX account appearing on my consumer credit report is fraudulent and was not opened, authorized, used, or benefited from by me. At the time this alleged account was established and/or incurred, I was in XXXX XXXX and physically unable to personally initiate residential utility or telecommunications services associated with this account. Because of my XXXX status, I could not legally or physically enter into any service agreement, activate services, install equipment, or utilize the alleged account being reported. I have reason to believe this account resulted from identity theft, unauthorized use of my personal information, mixed-file reporting, or negligent verification procedures by the furnisher and/or credit reporting agencies. The reporting of this account is inaccurate and harmful to my credit reputation and violates protections afforded under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy, 15 U.S.C. 1681i requiring reasonable reinvestigation of disputed accounts, and 15 U.S.C. 1681s-2 prohibiting the reporting of inaccurate information. I did not authorize any person, company, or third party to open or use this account on my behalf. Any contract, signature, electronic authorization, or service agreement connected to this account is disputed and believed to be unauthorized or fraudulent. I respectfully request : Immediate classification of this account as identity theft/fraud ; Immediate blocking and removal of the fraudulent tradeline from my consumer reports pursuant to 15 U.S.C. 1681c-2 ; A complete investigation into the source of the fraudulent activity ; Copies of all applications, signatures, IP logs, service records, and verification documents connected to this account. I further request that this statement be attached to all relevant fraud and identity theft reports associated with this matter. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX KY 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 non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a CFPB complaint against LVNV Funding LLC along with a formal validation and accuracy dispute regarding an alleged debt they are reporting and/or attempting to collect. In my dispute, I specifically requested competent documentary evidence supporting the legality, ownership, and accuracy of the alleged account. This included the original signed agreement, proof of assignment or ownership, purchase or transfer documentation, complete account history, and information necessary to verify the accuracy and completeness of the information being furnished to consumer reporting agencies. I also specifically requested the Date of First Delinquency ( DOFD ), which is a critical reporting field under the FCRA and Metro 2 reporting standards because it determines the lawful reporting period of the account. LVNV Funding LLC responded to the complaint but failed to adequately address several material issues raised in my dispute. The response did not provide competent documentary evidence establishing lawful ownership of the account, a complete chain of assignment, or sufficient proof verifying the accuracy and completeness of the information being furnished to the credit bureaus. Additionally, LVNV Funding LLC failed to provide : 1. The actual Date of First Delinquency ( DOFD ) ; 2. Documentary proof substantiating the DOFD being used for reporting purposes ; 3. Complete assignment or transfer documentation identifying this specific account ; 4. A complete accounting/payment history ; 5. The original signed agreement bearing my signature ; 6. A description of the procedures used to investigate and verify the disputed information. Simply providing generalized account information or internal records does not fully establish that the account has been reasonably investigated or accurately verified under the FCRA and FDCPA. Because the requested information and supporting documentation were not fully provided, the account remains disputed as inaccurate, incomplete, and insufficiently verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX 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 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
I keep receiving notifications by mail of a debt that Im disputing, and I have responded to the debt collection agency that it is being disputed and to not contact me anymore and they continue sending me notifications. Ive warned them multiple times and they dont stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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
Consumer complaint received 2026-05-21 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 regarding Goldman Sachs handling of a dispute involving my Apple Card. On XX/XX/year>, while traveling in XXXX, XXXX, I purchased an item at the XXXX XXXX department store that I later discovered had already been opened and appeared tampered with. Within approximately one week of returning home to XXXX XXXX, I contacted the merchant to request a return or exchange within their return period. The merchant acknowledged they would accept the item for refund or exchange only if I physically returned it to the XXXX store. They refused to allow a return by mail, stating they could not accept liquids through the mail. Because I reside in New York, requiring international travel to XXXX in order to process a return made the return effectively impossible. I filed a dispute with Goldman Sachs/Apple Card as a defective or tampered merchandise dispute. However, the dispute was repeatedly denied for reasons unrelated to my actual claim. Initially, the issuer stated I signed for the purchase, even though I never disputed making the purchase. After speaking with a supervisor and clarifying that the issue was defective/tampered merchandise, the dispute was reopened multiple times. Each subsequent denial stated that the item was not returned within the return period, despite my submission of extensive documentation proving I attempted to return the item within the merchants stated return window. I submitted emails, screenshots, text communications, and phone records demonstrating timely attempts to resolve the issue directly with the merchant. Goldman Sachs appears to have ignored or failed to properly evaluate this evidence. I am requesting that Goldman Sachs conduct a proper investigation under the Fair Credit Billing Act for defective merchandise and reconsider the denial of my dispute based on the actual facts and documentation provided.

Company response to consumer: Closed with explanation