vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In mid-to-late XXXX, I transitioned from an XXXX to an Android device and lost access to my XXXX ID account. Despite multiple attempts to recover my account through XXXX XXXX ( via phone and online chat ), I was unable to regain access. Apple Card can only be managed through the XXXX XXXX app on an XXXX or XXXX. There is no web portal, Android app, or any alternative method for cardholders to view statements, make payments, or manage their account without an XXXX device and active XXXX ID. Goldman Sachs, as the issuing bank, provided no independent access method either. Because I was locked out of XXXX 's ecosystem, a small recurring XXXX subscription ( ~ $ XXXX ) continued billing to my Apple Card. I could not view the charges, cancel the subscription through XXXX, or make payments on the account. In XX/XX/XXXX, I contacted XXXX directly to explain the situation and request cancellation, but received only an automated response. The account was charged off on XX/XX/XXXX with a balance of {$22.00} on a card with a {$6500.00} credit limit. On XX/XX/XXXX, the CFPB took enforcement action against both Goldman Sachs ( XXXX XXXX. XXXX ) and XXXX ( XXXX XXXX. XXXX ) for exactly these failures finding that XXXX 's exclusive ecosystem requirement prevented consumers from managing their accounts, and that Goldman failed to properly investigate disputes and reported inaccurate information to credit bureaus. Goldman was ordered to pay {$45.00} million in penalties and {$19.00} million in consumer redress. My situation is precisely the pattern the CFPB identified and sanctioned. The harm has been significant. In XX/XX/XXXX, when applying for an apartment, the third-party tenant screening service XXXX flagged this {$22.00} charge-off. I was required to pay an additional security deposit exceeding {$4000.00} as a direct result. I filed a dispute with RentGrow ( Dispute # XXXX ) but the tradeline remained. Meanwhile, XXXX continues to actively bill me $ XXXX for XXXX XXXX XXXX this day proving my Apple account is active enough for Apple to collect money from me, but they will not provide any means for me to manage or pay my Apple Card balance. I have now filed formal disputes with all three credit bureaus ( XXXX XXXX, and XXXX ) via certified mail, as well as a direct dispute with XXXX XXXX. I am seeking deletion of this tradeline and redress for the financial harm caused by the practices the CFPB has already found unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Had the bathroom remodeled in XXXX of XXXX. Completion of the job was signed off on before it was finished. The remodeling company went bankrupt. Plumbers had to return and reopen the ceiling to fix a leak, which is still leaking. No final inspections were completed. Numerous calls and complaints have been filed with Service Finance company, including emails on XX/XX/XXXX, requesting Service Finance to send in writing where, in XXXX XXXX State law, it is required to begin payment of incomplete projects.. I was told the complaint department would respond to me, but they never did. I told them I will not start paying until the job is completed. They have simultaneously damaged my credit scores by continuing to report my non payment for the last XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
About a year ago a family member wrote me a check at which I deposited into my Huntington Bank they said the check looked suspicious so they held the check after a couple weeks I actually brought into the bank the people who wrote me the check and they still would not release the funds to me and they close my account and can not get any information on why they did this and they will not even talk to me about it anymore but yeah almost a year later they're still holding those funds but not return them to the person who wrote the check or give them to me with the check was written out to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: GA

Complaint narrative:
XXXX XXXX classes were canceled no fee. Then they claimed they had the wrong email when they tried to contact us. They claimed we didn't cancel and said we owed an amount. We don't owe them we canceled. They then sold our information to an unknown company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I applied for the card under a XXXX offer. I met the {$20000.00} spending requirement. However, Amex only issued XXXX points. Customer service refused to honor the offer despite me having a screenshot of the XXXX promotion on their website. This is misleading advertising for a premium card with an {$890.00} annual fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The credit acceptance account was under my XXXX XXXX bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Focus : consumer financial harm, reliance on marketing, Regulation Z. Subject : Complaint Misleading Marketing of Chase XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding materially misleading marketing by Chase Bank for XXXX XXXX XXXX credit card and the impact on the advertised XXXX welcome bonus. Issue : Marketing stated that the XXXX XXXX card could be used immediately in-store and online, including via XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. No card-specific disclosures indicated limitations requiring physical card receipt for online wallet use. I attempted multiple times to add the card to online wallets using mobile and web platforms. Across multiple merchant types ( travel, retail, clothing ), the card never appeared in my XXXX XXXX to even attempt a purchase. Their phone representatives confirmed I had added the card correctly to my wallet. It did appear in the wallet for tap to pay only, not online purchases, as advertised. A second tier Chase representative confirmed that online wallet functionality would not work until the physical card was received, while stating that certain merchants may not be supported, without disputing that it failed for all online merchants. Tier 3 escalation was due to a time-sensitive purchase. No other option to complete the purchase was provided. I was forced to use another banks card, preventing me from meeting the XXXX bonus requirement. Chases Digital Wallet Terms confirm that the issuer controls eligibility and can block transactions, meaning this limitation is the responsibility of Chase, not XXXX or XXXX. Regulatory Basis : Regulation Z ( 12 CFR 1026.16 ) : Advertising must clearly disclose material conditions affecting promotional offers. UDAAP : Misleading marketing constitutes unfair or deceptive acts. Impact : The undisclosed limitation prevented me from using the card online and earning the advertised bonus, despite reasonable reliance on Chases marketing. Sincerely, XXXX XXXX ATTACHMENT : Copy of the time sensitive purchase that I exhausted all available avenues with Chase to complete with the Sapphire Card but could not due to their undisclosed limitations that they are in fact in control of. Interaction Timeline : Called XX/XX/year> Email to CEO XX/XX/year> Complaint reply received : Reference Number : XXXX XX/XX/year> I responded to their reply via email : XX/XX/year> Final response from Chase received XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Hello, I want to request a stop on fee collections for these accounts because you charged me an exaggerated amount for the XXXX XXXX toll when I haven't lived in XXXX XXXX for years, and it's also showing up here. The amount I owe for tolls in XXXX, FL is {$570.00}. From there, they started to add charges and even for XXXX XXXX in XXXX XXXX and XXXX XXXX, when I haven't lived there for years, and when I did live there, I didn't even have that car. I will explain everything to the court, that the toll and you sent me an exaggerated amount that I shouldn't have to pay. What I am leaving you in writing, and I will do it in XXXX, and I sent you a copy of the toll from XXXX, FL for what I owe so you can see that you and the toll are charging people excessively. And after that, I stopped using tolls ; I would take the lower roads to avoid paying tolls, and they kept sending more and more. Thank you very much. I will pay the amount I have shown here through this written payment arrangement, little by little. You will have to explain to the court why you and the toll overcharged. These are unnecessary fees. Thank you very much. Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Bank failed to properly investigate dispute. I am filing this complaint because my financial institution failed to conduct a reasonable investigation as required under consumer protection standards and instead issued a conclusory denial that does not address the evidence submitted. The bank classified this as an authorized transaction ; however, that conclusion is incomplete and materially flawed because it ignores the conditions under which authorization was obtained. I provided documented message evidence showing that the merchant directly solicited my credit card information and explicitly represented that I would be able to review and approve the service prior to any charge being processed. This representation created a clear condition of consent. That condition was not honored. My card was charged without any opportunity to review or approve the service as expressly stated by the merchant. This constitutes a material misrepresentation that directly influenced my decision to provide payment information. Therefore, this transaction should not have been evaluated solely as authorized, but rather under dispute categories involving services not rendered as described and deceptive practices. The banks response fails to reference, analyze, or rebut the documented statements made by the merchant. There is no indication that this evidence was meaningfully reviewed or considered in the decision-making process. Additionally, I am unable to access or use the service, as the merchant has restricted my account, further demonstrating that the service paid for was not delivered in accordance with the representations made at the time of purchase. I am requesting a formal explanation of the investigative steps taken, including : Confirmation that all submitted evidence, including the message exchanges, was reviewed The specific dispute classification applied and justification for that classification An explanation of how the merchants written representations were evaluated and why they were disregarded I am further requesting that this dispute be re-evaluated under the appropriate standards for misrepresentation and services not rendered as described, rather than being dismissed solely on the basis that payment information was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/2026 Credence Resource Management , LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Dispute of Alleged Debt Amount {$1400.00} To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe in the amount of {$1400.00}. I have never entered into any contract, agreement, or business relationship with your company, nor do I recognize this debt. Therefore, I request full validation of this alleged obligation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically, please provide the following : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement bearing my signature 3. A complete account history, including all charges, payments, and fees 4. Proof that your company is legally authorized to collect this debt 5. Verification that the statute of limitations has not expired Until you provide proper validation, you must cease all collection efforts and communication with me regarding this matter. Additionally, if this account has been reported to any credit reporting agencies, I demand that it be immediately marked as disputed. If you are unable to provide the requested validation, you must immediately delete and remove this account from all credit reporting agencies and cease any further collection efforts. Failure to do so will result in immediate legal action being taken against your company for violations of federal law, including but not limited to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Failure to respond with the requested documentation within XXXX days of receipt of this letter will constitute your inability to validate this debt and your obligation to remove it. I request that all future correspondence be conducted in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Dear Freedom Mortgage XXXX XXXX XXXX, I am writing in response to your recent email notification regarding my annual Escrow Analysis. While I appreciate being informed of its availability, I have encountered significant difficulties attempting to access this information through your online portal and subsequently through your customer support channels. Upon receiving your notification, I attempted to log in to my account to review the analysis. Unfortunately, I experienced persistent issues with the website, including difficulties with password resets and the non-delivery of access codes, which consumed a considerable amount of my time without successful resolution. Following these online access problems, I contacted your customer service team for assistance. Regrettably, the representative was unable to help me resolve the technical login issues. Furthermore, I was informed that the necessary escrow analysis documents were not readily available within their system, preventing them from providing me with the required information directly. A support ticket was subsequently opened to address these concerns. These cumulative experiences have left me feeling quite dissatisfied with the level of service and the functionality of your digital platform. As a customer, I expect a seamless and efficient process for accessing important financial documents, especially when prompted by your company to do so. The lack of integrated information between your online system and customer service resources is particularly concerning. I believe it would be beneficial for Freedom Mortgage to conduct a thorough review of its customer-facing systems and support protocols to ensure a more consistent and high-quality experience for its clients. Providing accessible and reliable service for critical financial information like escrow analyses is paramount. I look forward to a resolution to my access issues and receiving my escrow analysis. Please advise on the status of my support ticket and how these matters will be addressed. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
Account closed due to bankruptcy XXXX XXXX and I have not received my check for the balance left in account XXXX XXXX account balance I have called many times and was told they will send me a check

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account XXXX To Whom It May Concern, I am requesting validation of the debt referenced above. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that your company provide proof that this debt is mine and that you have the legal right to collect on it. Please provide : - The original creditors name - The full account number- The amount owed and how it was calculated - Documentation showing I agreed to this debt - Proof that your agency is authorized to collect Until this information is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and their collection agency, Shepherd Outsourcing, regarding a debt currently reporting on my credit report. I have made multiple good-faith attempts over several weeks to resolve this account. I requested written confirmation of a settlement agreement that includes deletion of the account from my credit report upon payment. Despite repeated emails and follow-ups, I have not received a meaningful response. The only reply I received directed me to call or visit a portal, which does not address my written request. I am willing to resolve this account immediately, but only upon receiving written confirmation of the agreed terms, including deletion from my credit report. Their failure to respond is delaying resolution and causing ongoing harm to my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
every time I visit TD bank to pay my credit card, I always asked the teller what is my minimum, they tell me a fee that is less than the minimum which would be a dollar off, which gives me a XXXX dollar late fee, when I noticed this has been an on going thing I asked for a copy of all my statements since I opened up a credit card with TD bank which was XXXX to XXXX, when I looked over the statements I couldn't believe the charges and high interest rates that's has been changing through out the years and the late fees and other suspicious unknown charges that I see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
We signed loan disclosures and were told that we would be eligible for a home equity ( second mortgage ) but today we were told that our loan would not be approved and they are not returning the XXXX payment of {$500.00}. We feel this is insult after injury and they should be ashamed of themselves for trying to drain us of more money when we were turning to them for help. We no longer wish to speak with them and feel that we may need to hire an attorney if they are not willing to refund us the money they took from us. Amerisave has been misleading us and putting us through so much work having our daughters and XXXX XXXX XXXX aunt having to submit financials only to be told that our debt to income is too high now!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief