vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Over 12 phone calls taking up over 3 hours of my time to Goldman Sachs ( GS ) XXXX XXXX beginning in early XXXX. 

I have sent in documents repeatedly to GS - copies of the will, executor docs, & Letter of Intent. 

Most recently I submitted a certified copy of the will and executor docs in XXXX. GS returned the will as requested but not the executor docs. 

Since then, XX/XX/XXXX, the following has happened four times : I receive a recorded call asking me to call GS back. I call back. A rep tells me that the certified executor docs I submitted are insufficient and that they would escalate the issue to the 'back office '. 

Then I get the recorded call asking me to call back. I call back. A rep tells me that the certified executor docs I submitted are insufficient and that they would escalate the issue to the 'back office '. 

Again & again. it's like XXXX XXXXThe reps can not provide any more detail, no contact info for the back office, no copy of the notes of previous phone calls, no other higher-level person to talk to. 

This has happened over and over. I get the recorded call. The rep reads me the same script about the docs being insufficient without explanation. They escalate the issue to the back office. They tell me I will receive a call from the back office with clarification. I get the recorded call to call back. 

I have provided the name & number of my attorney twice in XX/XX/XXXX. He has not heard from GS. But I keep getting those recorded calls to call back, and I keep hearing the same nonsense from the reps. 

No one can tell me what happened to the certified copy of the executor of the estate docs that I submitted and asked to be returned. 

My mom died last year, XX/XX/XXXX. I have followed every instruction from GS. Including when reps gave me wrong addresses for the docs I need to send in, and including when I have had to send in paperwork again because my paperwork can not be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Hello, I am filing this complaint regarding a Chase credit card promotional offer and inconsistent representations made by Chase supervisors. 

I activated a Chase Offer for XXXX percent cash back at XXXX XXXX  and made a single purchase consisting of XXXX items. Without my knowledge or control, the merchant split the purchase into XXXX transactions. As a result, the automated Chase Offer credit applied only to the smaller of the XXXX charges. 

I contacted Chase shortly after the transaction posted. In early XX/XX/XXXX, the first supervisor I spoke with reviewed the situation and advised me that a manual credit could be added to account for the remaining portion of the purchase. I was instructed to wait until XXXX and follow up if the credit did not post. 

After waiting as instructed and seeing no adjustment, I contacted Chase again in the first week of XX/XX/XXXX and spoke with a second supervisor. She reviewed the prior call notes, opened a formal case on my behalf, and explained that the request would be sent to the back office so the remaining promotional credit could be applied manually. I was given a case number and told the issue would be reviewed. 

I have now been notified that this request was denied. Chases written response states that only one credit can be applied based on the offer terms and that the credit must apply to the first posted transaction. 

My concern is not with the merchant charge itself, which I am not disputing, nor with the general terms of the offer. My concern is that Chase supervisors explicitly indicated that a manual adjustment was appropriate, instructed me to wait, opened a formal case, and then reversed course after I relied on those representations. 

Had I been told initially that no accommodation would be possible, I would have canceled the transaction or used an alternative card offer of comparable value. By relying on Chases instructions, I lost that opportunity and spent significant time following Chases prescribed process. 

I am requesting that Chase honor the supervisor-approved accommodation or otherwise provide a clear explanation for why supervisors were authorized to promise and initiate a manual credit that Chase later refused to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Spoke with debt collector ; Debt collector requested that I get information from original creditor which was, XXXX  ; XXXX requested proof of documented insurance that I had at the time, which was XXXX XXXX ; XXXX XXXX XXXX to request documentation ; Sent documentation to Progressive ; XXXX investigated matter and concluded that account was not mine ; Progressive provided statement saying that the investigation had been completed and it was a result of identity theft ; Provided documentation to XXXX XXXX XXXX ; Caine & Weiner emailed letter stating that they requested tradelines be deleted from from credit report Experian updated dispute and said the information was verified and will stay on XXXX report. 
Account still shows on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I purchased tickets for the XXXX Open on XX/XX/year> through XXXX ( Order # XXXX ) for {$4200.00} using my Chase XXXX XXXX XXXX. The tickets were never delivered to me. I contacted XXXX multiple times, but they refused to refund me. I then contacted Chase to dispute the charge, but they denied my dispute solely because it was past 120 days, even though I provided all available documentation and attempted to resolve the issue promptly. I am requesting that Chase resolve this billing dispute and reimburse the full amount of {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Company : Comenity Bank XXXX : Credit Card Issue : Incorrect fees/ billing dispute / unfair collection practices Complaint Narrative : I am submitting this complaint regarding Comenity Banks refusal to remove a late fee and finance charge that resulted from circumstances outside my control during the first billing cycle of a newly opened credit card account ( ending in XXXX ). 

I made a single purchase of {$110.00}. The initial billing statement was mailed before I received the physical credit card and did not include sufficient account information to allow payment through my banks online bill pay system. The credit card arrived after the payment due date, making timely payment impossible. 

I paid the full purchase amount immediately upon receiving the card on XX/XX/XXXX. 

Despite multiple written disputes, Comenity has refused to remove the late fee and finance charge. I have received XXXX separate letters dated XX/XX/XXXX, XXXX stating my request was denied and another stating the matter is under a XXXX review, which is contradictory. 

In addition, Comenity continues to place collection calls while a written dispute and XXXX review are pending. During a recent call, I was told that the decision was already made, despite written correspondence stating otherwise. 

I also maintain other Comenity-issued credit card accounts through different merchants, all in good standing with no late payments or unpaid balances, demonstrating that this was not a payment default. 

Comenitys position ignores the lack of notice, delayed card delivery, conflicting determinations, and continued collection activity during a dispute. I am requesting regulatory assistance to have the late fee and finance charge removed and to stop improper collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried to closing account with CITI Bank- XXXX XXXX XXXX  XXXX XXXX they issued a check # XXXX to me without signature, I was not able to deposit the check to my other bank account. Called the branch many times to have this resolved, they do not want to take care of this issue. Citi Bank makes it hard for customers try to close the account, and they charge unreasonable amount of fees for checking account.

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 2026-01-30 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: NY

Complaint narrative:
XXXX Account I opened business account with chase in XXXX, after funds was deposited chased advised me that fund will be released on XX/XX/XXXX. Upon receiving a letter from chase they requested additional information I called and verified that without any problems agent advised me that they were able to validate me. Next day account was placed on hold again and I spent several hours on the phone with them after numerous dropped calls, I went to the branch and spoke to the agent who stated that everything in my paperwork is legit and correct as she opens business accounts on daily basis. Chase closed the account stating that they cant validate me as a business owner and will not be returning the funds. I have called XXXX  XXXX XXXX  XXXX XXXX, and they said my name will be reflected there when I file biennial statement which happens two years from opening the Corporation. They said they are familiar with what the Chase is doing and that I was not the first called and this is ongoing situation. On Legislative site it states that only after XXXX years I can update on XXXX that information. Chase has seized the funds and is refusing to return them to me. Vendors check was deposited and this is a new business I simply will not survive if they freeze the funds. I can provide notarized letter from vender what the payment was for along with the contract which we signed for services I will be providing to them. 
XX/XX/XXXX of XXXX  Amount held by Chase is {$60000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am in receipt of the lease document you provided. While this appears to be a copy of a lease template, it does not constitute validation of the alleged debt.

The document provided does not contain my signature or initials confirming execution of the lease. Additionally, a copy of a lease agreement alone does not demonstrate that a balance is owed or explain how the amount you are attempting to collect was calculated. 

You have still not provided : A signed lease agreement bearing my signature A complete, itemized move-out statement A full ledger of charges and payments Documentation showing how the final balance was calculated Proof that all payments made were properly credited Providing general lease terms does not verify that I owe the amount being claimed. I continue to dispute this debt in its entirety. 

Until proper validation is provided,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a letter saying that my credit card dispute was declined and the charges went back to my credit card balance. Credit card ending in XXXX. The only problem is I do not have a credit card with Wells Fargo. So the correspondence they sent me was completely made up and inaccurate. I called the number on the correspondence and I got connected with someone at the Wells Fargo fraud department. They kept transferring me. Until they finally transferred me to a department that was closed. No one at Wells Fargo can give me answers. And I am extremely concerned about this letter. I have attached this letter for review. I do not have a credit card with Wells Fargo. I dont know why they would send me a correspondence like this. I will take legal action if it happens that Wells Fargo is trying to open fake accounts again at my expense.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks repeated and improper denial of my fraud claim involving XXXX unauthorized transactions totaling {$16000.00}, which occurred in rapid succession on XX/XX/year>, in my business accounts while I was traveling in XXXX  XXXX 
I timely reported the fraudulent activity by phone on XX/XX/year>, and again in person on XX/XX/year>, at my local Chase branch in XXXX, at which time I initiated the formal dispute process. I cooperated fully with Chase and provided supporting documentation, including evidence that I was physically in XXXX XXXX at the time of the transactions ( airline records and contemporaneous expenditures ). 
Despite this, Chase has denied my fraud claim XXXX times, asserting only that the transactions appear to have been made by me. This assertion does not meet the legal standard for authorization under the Electronic Fund Transfer Act ( EFTA ) and related federal regulations. Chase has improperly conflated technical access or account use with customer authorization. 
I did not provide informed consent or intent for any of the disputed transactions. Under federal law, authorization requires knowledge and intent, neither of which existed in this case. The mere use of an account, credentials, or device does not constitute authorization. 
Further, the transaction pattern itselfnine consecutive transactions in a compressed time periodis a recognized indicator of fraud. Chase also failed to provide any alerts or notifications whatsoever, despite the highly unusual and high-risk activity, depriving me of the opportunity to mitigate losses in real time. 
Chase has not provided written documentation explaining what evidence it relied upon to conclude that I authorized these transactions, nor has it adequately addressed the absence of consent or intent. Instead, it has relied on conclusory, system-based assumptions that are insufficient under federal consumer protection laws. 
Due to Chases prolonged failure to resolve this matter appropriately, I have filed police and FBI reports. I am requesting regulatory review of Chases handling of my fraud claim, including whether its investigation and denial practices comply with the FCBA, EFTA, and applicable federal banking regulations. 
I respectfully request assistance in obtaining : Reversal of the denied fraud claim and reimbursement of the {$16000.00} in unauthorized transactions Written disclosure of the evidence Chase relied upon in denying my claim Confirmation that my complaint has been reviewed at the appropriate supervisory and compliance level

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am unable to open checking or savings accounts due to information reported by Early Warning Services , LLC. 

I disputed inaccurate information in my Early Warning consumer file. Early Warning completed a reinvestigation and stated the information was verified. 

After receiving the verification response, I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), including the name of the furnisher contact, how the information was verified, and the documents relied upon.

Early Warning Services did not respond to this request and failed to provide the required information. 

As a result of this failure to comply with the Fair Credit Reporting Act, I continue to be prevented from opening bank accounts. 

I am requesting that the disputed information be deleted or that Early Warning Services provide full compliance with the FCRA by disclosing the Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: FL

Complaint narrative:
This is a follow-up complaint regarding Fair Collections and Outsourcing ( FCO ). 
Account number : XXXX The response provided by Fair Collections & Outsourcing does NOT address the substance of my complaint. My complaint is not whether FCO " owns '' the debt or whether a consumer report may be furnished under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). The issue is whether FCO was legally authorized to collect and furnish information in my state at the time it began collection activity and credit reporting Under Florida statutes 559.553, any person engaging in Florida must be registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior to engaging in collection activity. 
This requirement applies regardless of whether the collector owns the debt or is acting on behalf of a third party. 
FCO began collection activity on or about XXXX. In response to my prior CFPB complaint, FCO asserted that it is " properly licensed in all states that require licensing '' However, no license number, issuing authority, or proof of licensure was provided for my state despite my explicit rebuttal requesting this information. 
A conclusory statement of compliance does NOT satisfy Florida law.

If FCO is licensed to collect debts in my state, it should be readily to provide : 1. The state-issued license number 2. The issuing regulatory authority 3. The effective dates covering the period beginning XX/XX/year>. 
Absent this information FCO has failed to demonstrate that it had legal authority to collect or to furnish information to consumer reporting agencies. Any collection activity or credit reporting conducted without proper registration constitutes unlawful debt collection and renders the reporting inaccurate under the Fair Credit Reporting Act. 
Additionally, stating that the account has been " verified to the address provided '' does not address the licensing violation raised in my complaint.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: LA

Complaint narrative:
I had a collection put on my credit report I paid this collection in full immediately within XXXX days of the amount of {$420.00} they refuse to do a goodwill retraction bc I used foul language I emailed and faxed them multiple apology letters to no resolve. They reported I owed XXXX but my balance was XXXX even states in the receipt thy gave me confirming that I paid that amount resulting in my balance being XXXX I filed dispute for the inaccuracies to no resolve

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing a rental collection being reported by IQ Data XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX 

I never signed a lease or rental agreement and never agreed to be financially responsible for this alleged debt. Despite this, the account is being reported as a joint account without any contractual documentation proving liability. 

I have formally requested validation, including a signed lease, proof of responsibility, and an itemized ledger establishing how I am legally responsible. No such documentation has been provided. 

Reporting and attempting to collect a rental debt without proof of contractual obligation violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting immediate deletion of this account unless legally binding documentation is produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief