vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX said I was charged a utility bill during the months of XXXX through XX/XX/year>. The address shows it was somewhere in XXXX, which Ive never lived in XXXX. Ive been a full-time resident in XXXX my entire life and I have never signed up for their services or had anything to do with their services during that specific period and time I disputed this already in XX/XX/year> when it was sent to collections and tried to ding on my credit. I thought it was originally waived, but I received another letter from online information services a debt collector, stating I still owed this amount, even though it was identified as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a payment of {$11000.00} through XXXX XXXX to pay Invoice # XXXX to XXXX XXXX XXXX. The payment was linked to my Chase XXXX XXXX XXXX XXXX ending in XXXX. XXXX processed the payment and sent me a confirmation email showing the transaction as " XXXX '' with Authorization ID XXXX. When I checked my Chase account, there was no record of this transaction. Confused, I called Chase customer service on a recorded line. The representative told me multiple times that no payment had gone through, that Chase had no record of the transaction, and that this was an error on XXXX 's end. Relying on Chase 's representation that the payment had not gone through and needing to pay this invoice urgently I transferred my available Chase funds to a XXXX account and used that account to pay the invoice, which processed immediately. However, the original payment through Chase did in fact go through. Chase returned the {$11000.00} transaction for insufficient funds on the same day ( XX/XX/year> ), as confirmed by Chase 's own overdraft notice. In other words, Chase 's customer service representative gave me incorrect information on a recorded call telling me no payment existed when in reality the payment had been submitted and was returned for insufficient funds, an outcome directly caused by my moving funds out of the account in reliance on Chase 's own incorrect guidance. Additionally, when I attempted to file a complaint about this issue through Chase 's online customer portal, no complaint submission option was available. Chase 's failure to provide an accessible complaint mechanism through its portal is itself a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Company : Bank of America Product : Credit Card Claim Number : XXXX Disputed Amount : {$370.00} Description of Problem & Formal Legal Notice I am filing this complaint to formally contest Bank of Americas " false resolution '' of my fraud claim. I am prepared to legally challenge the banks determination under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the Truth in Lending Act ( 15 U.S.C. 1643 ), which limits consumer liability for unauthorized use to {$50.00}. On XX/XX/2026, I disputed unauthorized charges totaling {$420.00} ( XXXX ending in XXXX ). On XX/XX/2026, the bank issued a partial denial, retaining only {$48.00} and reinstating {$370.00}. Their stated reasonthat the " chip was read '' or a " PIN was used '' is a factually incorrect basis for determining authorization and ignores the physical evidence of my location. I am contesting this resolution based on the following : Physical Proof of Location ( Alibi ) : At the exact time of the fraudulent transactions, I and my entire family was physically present at XXXX XXXX in XXXX XXXX XXXX, followed by dinner at XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. My legitimate transaction history at these merchants serves as definitive proof that I could not have been present at the fraudulent merchant locations. Failure of " Reasonable Investigation '' : The XXXX requires a " reasonable investigation. '' By ignoring my physical location and the possibility of card skimming/cloning, and by providing a split resolution ( approving only XXXX % of the total fraud amount ), the bank has failed to conduct a logical or thorough review. Good Faith Standing : I have a consistent history of legitimate account use. I have only disputed transactions I genuinely did not perform. Demand for Evidence : I am legally requesting the documentary evidence ( signed receipts, terminal logs, or merchant data ) the bank used to conclude that I or someone I authorized was present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 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: OH

Complaint narrative:
On XX/XX/year>, I purchased medication from OrderlyMeds using my Apple Card, which is issued by Goldman Sachs. When I received the medication, I found that it was already expired. Because of this, the product was unusable and unsafe. My doctor advised me not to take the medication due to the expired date. I contacted the merchant to request a replacement or refund. My request was denied, and after that, the company stopped responding to my messages. I made multiple attempts to follow up, including asking to speak with a manager, but I did not receive any response. I then filed a dispute with Goldman Sachs for the charge. I provided evidence, including photos clearly showing the expiration date on the medication and copies of my communication attempts with the merchant. Despite this, my dispute has been denied XXXX separate times. I believe I should not be responsible for paying for a product that was expired at the time of delivery and could not be safely used. I am requesting that this charge be reviewed again and reversed, and that the evidence I submitted be properly considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: MD

Complaint narrative:
On or about late XX/XX/XXXX, XXXX, XXXX XXXX, I submitted multiple mortgage payments to the servicer in an effort to bring my account current before the stated deadline of XX/XX/XXXX. The initial payments were sent in partial amounts due to how funds became available, but each payment was made in good faith toward the total amount due. The XXXX XXXX and XXXX payments were both returned or not accepted by the servicer. I contacted the company for clarification and spoke with a representative identified as XXXX, who advised that the payments could be intercepted or held to ensure proper processing. Based on this representation, I continued attempting to make payments to satisfy the total balance. After receiving the returned funds, I submitted the full payment of approximately {$3900.00} prior to or on the XX/XX/XXXX deadline. At that point, I was informed that partial payments were not accepted and that the full payment was required ; however, this was not clearly communicated earlier, despite my prior payment attempts. Despite my repeated efforts to make timely payments and comply with the requirements, the servicer failed to properly accept or process the payments and instead proceeded with foreclosure-related action on or about XX/XX/XXXX. The full payment was not accepted and was returned, resulting in my account being placed into default. Based on the sequence of events, it appears that my attempts to bring the account current were not reasonably accommodated, and the actions taken by the servicer directly resulted in my account being pushed into foreclosure status despite my good faith efforts to resolve the balance. I made multiple attempts to resolve this issue and requested explanations regarding the returned payments and account status, but did not receive a clear or complete response. As a result of the servicers actions, my account was placed into default and collection activity, including involvement from a third-party attorney, has been initiated based on this situation. I am requesting that the servicer conduct a full review of my account, properly apply all payments made, provide a complete account history, remove any incorrect fees or penalties, correct the default status, and cease any collection or foreclosure activity resulting from this error.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: LA

Complaint narrative:
Subject : Request for Reinvestigation of Collection Account To Whom It May Concern, I am writing to formally request a reinvestigation of a collection account listed on my credit report, as I believe this item may be inaccurate, incomplete, or unverifiable. This request is made under my rights pursuant to the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : - Collection Agency Name : MONTEREY FINANCIAL - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX I am requesting that you conduct a thorough and reasonable investigation into this account, including verification of the original signed agreement, full account history, and proof that this debt is accurately being reported under my name. If this information can not be properly verified, I respectfully request that this account be deleted from my credit report in its entirety. Additionally, please ensure that : - The account has not been reported inaccurately ( including dates, balances, or status ) - The collection agency has proper authorization to report this debt- There is no duplication or re-aging of this account Please provide me with written confirmation of your investigation results, including an updated copy of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO I PROVED I PAID FOR A AIRLINES TICKET I PROVED YOU LIED TO THE CFPB AND THEY WENT RIGHT ALONG WITH YOU. I PROVED WHAT SOCIAL SECURITY SENT ME VS WHAT APPEARED IN MY ACCOUNT. START THERE. YOU KNOW I GOT THE PROFF IVE SENT IT XXXX TIMES OVER A YEAR. DRAGGING ME WITH ALL THIS EXTRA BUT YOU STILL EXPLAN YOUR SELF FOR MY XXXX XXXX TICKET AND REFUND CASE ISSUES BY THE CFPB ...... THATS ALL I WANT XXXX FROM THERE. OR I JUST GET A CLOSED CASE BLANK ... YOU WELLS FARGO NEVER RESPONDED!!

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting a complaint regarding repeated overdraft protection fees assessed on my XXXX XXXX checking account. Over a short period of time, multiple transactions were processed while deposits and transfers were still pending. Due to the way pending transactions, authorization holds, and posted transactions were reflected, my available balance did not clearly represent my actual funds at the time. This resulted in multiple overdraft protection fees being charged in a compounding manner, which significantly impacted my account balance and caused financial hardship. I attempted to resolve this matter directly with XXXX XXXX through secure messaging and requested a review and a customer service exception. However, my request was denied despite the circumstances. This is not the first time I have experienced issues related to overdraft fees and account balance clarity. A prior situation required escalation through the CFPB in order to be resolved. I am requesting that XXXX XXXX conduct a fair review of my account activity and reconsider a refund, or partial refund, of the recent overdraft protection fees based on the circumstances. I would prefer to resolve this matter fairly and directly. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the account listed under Upgrade Inc ( Acct XXXX XXXX XXXX XXXX XXXX XXXX ), which appears on my credit report. I did NOT open this account, authorize it, or benefit from it in any way. This account is the result of identity theft. I have already taken the following actions : - Placed a freeze on my credit - Filed an identity theft report with the FTC - Identified additional fraudulent activity that has already been confirmed and removed It is extremely concerning that despite clear evidence of fraud in related accounts, this account continues to be reported as valid. If you review the transaction history, location, and usage, it will clearly show that the activity does not match my identity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting : XXXX. Immediate reinvestigation of this account XXXX. Verification of the method used to confirm this account as valid XXXX. Immediate removal of this fraudulent account from my credit report If this account is not removed, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking further legal action. Please find attached supporting documentation, including my identity theft report and police report. I expect this matter to be handled urgently. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: PA

Complaint narrative:
Between XXXX XXXX XXXX, XXXX, multiple Apple Card transactions occurred under documented coercion/extortion involving threats to my family. Police investigation ( including subpoenas and a money mule identified ) supports this. Under Regulation Z, authorization obtained under coercion is invalid. I reported this beginning XX/XX/XXXX and repeatedly provided evidence, including police reports and another issuers fraud determination on identical facts. Despite this, Goldman Sachs consistently misclassified the matter as a billing dispute and issued repeated no billing error determinations without evaluating authorization under coercion. In XX/XX/XXXX, I formally notified Goldman Sachs in writing that the account remained under dispute, that Regulation Z applied, and that dispute status was not being properly reported. Despite this notice, the same misclassification and denials continued. Additionally, the account was closed twice, with XXXX separate closure notices approximately XXXX month apart. Goldman Sachs has previously acknowledged in a CFPB complaint response that at least XXXX of these closures was in error, further demonstrating inconsistent account handling during an active dispute. Disputes were reopened multiple times but not properly investigated under the correct legal standard. The account was then closed and a payment of {$1100.00} was assessed to bring to zero, despite a prior positive balance ( ~ {$890.00} ), creating an unexplained ~ $ XXXX swing. While disputed amounts are now reflected, the account still does not reconcile mathematically. Available credit does not align with the balance, payments made, and current transactions, with an unexplained discrepancy of approximately {$200.00}. I requested a transaction-level breakdown explaining how available credit is being calculated, but none has been provided. Additionally, the account was not consistently reported as disputed to credit bureaus during the investigation, creating inaccurate reporting. This reflects failure to properly investigate unauthorized use under Regulation Z, failure after notice, and ongoing financial and credit harm. The facts of this case- including documented threats, police involvement, and lack of voluntary authorization-fall within Regulation Z protections regarding unauthorized use, including transactions made under coercion or duress. I am requesting the account be evaluated under this standard rather than as a merchant billing dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
What happened : On XX/XX/year> and XX/XX/year>, I transferred {$970.00}, {$1200.00}, and {$1400.00} from XXXX to my Western Union account. I was initially told to wait XXXXXX/XX/XXXX for the issue to be resolved, and I followed instructions. It has now been nearly XXXX month, and I was recently informed that the funds do not exist in my account. I also received a new card and all previous transaction history was deleted. I have contacted Western Union multiple times, but I continue to receive inconsistent information and different case numbers, making it impossible to track or access my funds properly. I urgently request CFPBs assistance to investigate this matter and ensure that my funds are restored and accessible immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IA

Complaint narrative:
Company : CNAC ( CarNow Acceptance Company ) Complaint : I am submitting this complaint regarding ongoing harassment, deceptive practices, and improper third-party contact by CNAC in connection with an alleged debt. CNAC has engaged in repeated and excessive telephone calls, contacting me approximately four ( 4 ) times per day. This frequency is disruptive and appears intended to harass or pressure me. Additionally, CNAC has disabled my ability to make online payments after a late payment, which interferes with my ability to bring the account current and may constitute an unfair or abusive practice. Most concerning, CNAC has contacted a third party who is not associated with my account and whose contact information I never provided. Specifically, they have repeatedly called the father of a personal acquaintance of mine, who is elderly and in poor health. During these calls, CNAC representatives falsely claimed that I had applied for a job in order to obtain information about my whereabouts. This is a knowingly deceptive tactic used to mislead a third party and is highly inappropriate. I have never authorized CNAC to contact this individual, and I have no knowledge of how they obtained his phone number. This raises serious concerns about misuse of personal data and unlawful skip tracing practices. These actions appear to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Harassment and abuse through repeated calls Communication with third parties without consent Use of false or misleading representations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: True Link Financial, Inc.
State: WA

Complaint narrative:
I am filing this complaint against True Link Financial regarding multiple unauthorized transactions on my prepaid card account, as well as their failure to provide access to account information that would have allowed me to detect the fraud earlier. I receive government benefits through a True Link prepaid card that is issued to me by my institution ( XXXX XXXX ). I am not provided with account statements, nor do I have login access to view my account activity. For most of the time I have had this card, I had no way to monitor transactions. Approximately XXXX weeks ago, I discovered a way to view my transaction history for the first time. Upon reviewing the account, I found numerous unauthorized transactions dating back to XX/XX/year>. These charges were made to a merchant listed as XXXX XXXX XXXX. I do not own a computer and have never conducted any business with this merchant, nor did I authorize any of these transactions. The total amount of unauthorized transactions is approximately {$4200.00}. I immediately contacted True Link to report the fraud, and a dispute was opened. After a few days, TruLink informed me that they would only reimburse {$580.00} of the {$4200.00} in unauthorized charges, they did confirm that the transactions where truly unauthorized, but Their justification was that I should have reviewed my account statements earlier. However, I never received any statements from True Link or from the institution that issued the card. I was not given login credentials or any reasonable way to monitor my account activity. Because of this lack of access, I had no ability to detect or report the fraudulent transactions sooner. I believe True Link failed in its responsibility to : * Provide access to account statements or transaction monitoring * Detect or prevent ongoing fraudulent activity over an extended period * Properly investigate and fully reimburse clearly unauthorized transactions As a result, I have suffered significant financial harm involving funds that are critical government benefits. I am requesting that True Link Review and correct their investigation process in this case and Refund the full amount of unauthorized transactions totaling approximately {$4200.00}.

Company response to consumer: Closed with explanation