vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA regarding my Apple Card dispute of {$190.00} of XXXX unauthorized purchase. I reported an unauthorized charge on my Apple Card and provided supporting documentation, including medical records showing that I was injured, XXXX, and had limited use of my hand during the relevant time period and beyond as I am set to have additional treatment and exams before impending XXXX as I am experiencing XXXX XXXX and other symptoms. Despite this evidence, Goldman Sachs repeatedly reinstated the charge without providing a meaningful explanation or proof that the transaction was authorized by me. I have disputed this transaction multiple times since XX/XX/year> and continue to experience the charge being reapplied to my account. I requested a proper investigation, copies of evidence relied upon, and documentation supporting the denial of my dispute, but I have not received an adequate response, just that they denied it. I believe Goldman Sachs failed to conduct a reasonable investigation as required under the Fair Credit Billing Act and applicable consumer protection laws. I am requesting : 1. Permanent removal of the unauthorized charge 2. Reversal of any related fees or interest 3. Written documentation of the investigation conducted 4. Copies of all evidence relied upon in denying my dispute 5. Correction of any negative credit reporting related to this matter Attached are copies of my medical documentation, prior dispute communications, and account records. A lot of Apple Card users have reported repeated dispute problems with Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: 1st Franklin Financial Corporation
State: MA

Complaint narrative:
First Franklin Financial Corporation is the judgment creditor on a legacy XXXX civil case out of XXXX XXXX, Alabama. On XX/XX/XXXX, First Franklin Financial Corporation, acting through its contractually designated collection law firm and agent, XXXX XXXX XXXX XXXX, executed an unlawful garnishment freeze on my XXXX deposit account. The funds targeted and seized today consist entirely of statutorily exempt public assistance benefits from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Under M.G.L. c. 118, 10, these funds are immune from any form of legal process or debt collection. First Franklin Financials authorized agent explicitly admitted over the phone that they have no legal right to touch government funds, yet they are maintaining the freeze to extort three months of unredacted personal bank statements from me. At XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX collection team was formally served via email with an official XXXX XXXX XXXX proving the absolute exemption of the balance. First Franklin Financial Corporation maintains strict vicarious liability for the unlawful, deceptive, and predatory collection practices of its agents. Weaponizing an illegal bank freeze to force an intrusive, unauthorized financial audit constitutes a gross violation of the Fair Debt Collection Practices Act ( FDCPA ).

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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG 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 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: MA

Complaint narrative:
Four unauthorized transfers were made from my PayPal account, which is linked to my bank checking account, to the same recipient, one that I do not know and have never transacted with in the past. This happened on XX/XX/year>. The amounts were {$1500.00} / {$1000.00} / {$760.00} / {$1500.00} Recipient name : XXXX XXXX. I immediately flagged these transfer on the PayPal site as unauthorized and fraudulent. My claim was denied in favor of the recipient citing " transfer authorized ''. There was no mechanism available on the PayPal website to appeal the ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My XXXX plan has significantly increased from payments of XXXX XXXX monthly to XXXX XXXX monthly. My income has remained the same. The servicer is not providing me any repayment options other than increasing my payments XXXX

Company response to consumer: Closed with explanation
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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX. I wanted a quote from the XXXX XXXX XXXX and XXXX so i can get it approved by my insurance company ( my house had fire damage insurance was paying for the appropriate repairs ) if it was going to be covered. I explained this to XXXX XXXX ( plumber and business owner ) who then took my credit card on the phone saying that its needed for the file. I then meet him in person and explained what i needed to be done and XXXX quoted me {$1700.00} for the job. which i said ok it has to be approved by the insurance first before we go ahead. He verbally said okay. He then proceeded to prematurely cut my XXXX pipes without my permission. Then i realized days after that he charged the whole thing already. I did not authorize this charge. I disputed the charge with my credit card company ( XXXX ). XXXX denied my claim despite showing multiple evidences that i did not authorize this charge. Evidence provided by the company XXXX XXXX showed and mentioned that I APPROVED and SIGNED documents in person which is physically impossible as i was on the phone with XXXX while driving my car home to meet him for the first time. I provided evidence of conversation done with XXXX XXXX and plumbing under the XXXX XXXX XXXX XXXX XXXX ) showing that the charged service was not even done. I have provided call logs and photos with time stamps to XXXX of the fraud but XXXX still said transaction was valid and i was still charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Around XX/XX/year> I kept getting phone calls HI is this? Yes this is she do you live at? I respond who is this? They say XXXX you have to verify your self first I said I don't know you why would I tell you my address. They say that's the only way I can give you any details. I said I verified my name They responded that's not enough. So I hang up on them. I tell them not to call me. I also have cussed at them XXXX time and they still call at least XXXX 's a week. This is harassment and I'm XXXX and can't take all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Climb Credit Inc.
State: UT

Complaint narrative:
I was referred to XXXX XXXXXXXX XXXX XXXX XXXX through Climb Credit financing. I began in XXXX. I was told or led to believe that Climb had vetted the program for quality and positive student outcomes, and that completing the program with certifications would lead to XXXX XXXX XXXX. I took out a {$12000.00} loan with Climb Credit to attend. The program has not delivered the job outcomes represented. I am still unemployed in XXXX 6 months in, and 4 months from completion, currently earning {$18.00} per hour in a XXXX job. The loan carries a 24 % interest rate with an interest-only period that recently ended, jumping my payment from {$250.00} to around {$500.00} per month, which I can not afford. Climb has refused to lower the interest rate. They only offered a short forbearance that does not reduce principal. This matches the deceptive practices the CFPB already sued Climb for in XXXX regarding misrepresented vetting and job outcomes at partner schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I disputed a transaction with Affirm after my order was lost in the mail and the merchant declined assistance. Affirm provided multiple days for the merchant to provide evidence. When affirm requested evidence from me, it gave me until XX/XX/XXXX to provide the evidence ; however, 7mins after the request was made, affirm decided the dispute on merchants favor based on lack of evidence on my behalf. When chatted with customer service, the reinstated the reason why the dispute was denied was because I didnt submit the evidence -in the 7mins lapsed between the request and the resolution-.

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: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
" Midland Credit Management is violating my federal bankruptcy discharge injunction and the FDCPA XXXX XXXX XXXX XXXX. They are sending monthly collection letters and harassing me at my home for an ancient XXXX XXXX debt that was legally discharged in my bankruptcy XXXX XXXX XXXX. My attorney has already notified them of the bankruptcy, but they refuse to stop XXXX XXXX XXXX I demand they cease all communication immediately. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The account in question was previously deleted from my TransUnion credit report after I disputed the accuracy and validity of the debt. However, the debt was later reinserted onto my credit profile without proper notice or certification of accuracy as required under the FCRA. Under FCRA Section 611 ( a ) ( 5 ) ( B ), if a deleted item is reinserted into a consumers credit file, the credit reporting agency must certify the information is complete and accurate and must provide written notice to the consumer within XXXX business days of reinsertion. I did not receive any proper notice from TransUnion regarding the reinsertion of this account. Additionally, XXXX XXXX XXXX has failed to provide sufficient documentation proving that they legally own the debt or have authority to collect it. I requested validation and documentation showing transfer, assignment, or ownership of the alleged debt, but XXXX XXXX XXXX did not provide competent evidence. They have continued reporting and attempting to collect the account without proper validation. I believe the actions of both companies have caused harm to my credit profile and XXXX constitute inaccurate credit reporting and improper collection activity. I am requesting the following resolution : int.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was receiving a cashier 's check from my daughter in law from her bank, XXXX XXXX. We deposited it into my account, and it was in the account and two days later they put a hold on the funds and at that time put a deposit only restriction on my account. At the same time my daughter in laws rent came out of my account, which is why we were depositing the cashier 's check so that it would cover the rent. Since this the rent payment was returned, funds in my account are over the cashier 's check amount and I can not use my own funds. Also, when I have called several times, they can not give me a reason although saying that they assume the cashier check will not be paid. XXXX XXXX has guaranteed that it is a funded cashier check. I have asked them to call and verify, and they can not as they are investigating. This was deposited on the XX/XX/year> and should have been cleared. I still have no access to my account. We are now late on the rent with eviction in the works. My bank is USAA.

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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Since XX/XX/year> I have been trying to withdraw {$100.00} of my funds that I had put into the account with Marcus Goldman Sachs and have been declined to do so multiple times. I have been told multiple different times that I can withdraw and then the next day they say I cant. They are trying to tell me that I can only transfer money out to the bank it originally came from and not the other bank I also have on my account. I then asked for a check to be mailed and close the account and that still needs to pass an approval of some sort. I cant seem to get my money out of there. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: OK

Complaint narrative:
I've been getting a phone call from them. By random XXXX numbers. They called me and asked me to verify my social security number also my address. I asked them to verify who this was. They didnt want to tell me. What it was for. They acted like a scammer. And a legitimate loan company is supposed to tell you the reason for the call by law. Also I do have a loan with them. And they call me on the phone nearly every day about my loan. I thought loan companies aren't supposed to call you every day. It's the world finance of XXXXXXXX

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: IN

Complaint narrative:
My bank said they denied my dispute because of evidence. I called XXXX and XXXX XXXX. They confirmed I dont have an account, and are now launching their own investigation into this case. They verbally told me, nobody from chime ever reached out about a dispute claim. Chime is fraudulently denying claims.

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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 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: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am disputing unauthorized activity connected to my Capital One account. The bank is attempting to hold me responsible for transactions and/or activity that I did not authorize. Capital One requested bank statements from an outside account that I do not own or control. Because the account is not mine, I can not provide those documents. Despite explaining this, my account remains restricted and unresolved. I am requesting that Capital One conduct a reasonable investigation under the Fair Credit Billing Act and Truth in Lending Act using evidence directly connected to my actual account. I am also requesting removal of the account restriction and a written explanation of the basis for denying or delaying resolution. I believe I am being improperly held responsible for fraudulent activity that I did not commit or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from an attorney stating I was eligible for insurance payment from a deceased relative. My mom just passed a month prior to this letter and I was very vulnerable and having to worry about taking care of now my sick dad. I saw letter as a blessing and fell for the scam. On XXXX I issued a cashiers check for {$52000.00}. Few days later I started to realize this is a scam. I returned to Chase branch on XXXX and advised them of fraud and scam. I was told the cashiers check was deposited in a Chase account. I was also told to report to the police and call the Chase fraud dept, which I did immediately. I just received a denial letter in the mail regarding my fraud claim and attempt to recover money I lost. Chase did not follow in house security protocol. Funds stayed within Chase and receiving account should have been flagged and funds withheld until investigation is completed.

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: CITIBANK, N.A.
State: CA

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 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: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
After numerous times I tried paying my debt via phone ... because they had an update to their system..... I paid {$720.00} several days ago. I tried to open a checking account with another bank. However, according to XXXX ...... my amount is still pending. So I'm not able to open another account with another bank. I physically drove XXXX minutes to a Truist branch where I spoke with the branch XXXX to which she told me my receipt would be sent in the mail in XXXX business days. Then I proceed to call XXXX, Truists parent company..... the rep denied any affiliation.

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: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation