vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
To whom it may concern I am formally disputing the following account being reported on my consumer credit report. Creditor name : SPRING OAKS CAPITAL LLC Reported Balance : {$1000.00} Date opened : XX/XX/year> I do not recognize this alleged debt and I am requesting a complete investigation into the accuracy and legality of this account pursuant to the Fair Credit Reporting Act ( FCRA ) PLEASE PROVIDE THE FOLLOWING : A signed contract bearing my signature. Full account statements and payment history. Proof of ownership and legal assignment of the debt Verification that the account information being reported is accurate and complete Proof that this debt belongs to me If you can not properly verify this account under the FCRA, I request immediate deletion of this account from all credit reporting agencies. Please also investigate whether this account was reported with complete and accurate information including dates, balances, and account history. I request written confirmation of the results of your investigation. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX Last 4 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank is engaging in unfair/predatory practices by closing an account and issuing a payout method ( a check ) that they have made simultaneously made impossible to clear due to their EWS reporting

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 2026-05-24 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: CA

Complaint narrative:
I reject Goldman Sachs dispute denial from XX/XX/year>. I have an email refund confirmation from the merchant, XXXX, dated XX/XX/year>, authorizing a full refund of {$4600.00}, which includes {$3000.00} for the missing item and {$1600.00} for the returned item. Despite this clear evidence, the full refund of {$4600.00} has still not been permanently credited to my account. In the email refund confirmation, the merchant XXXX explicitly states : XXXX XXXX, We have accepted your XXXX return and requested the bank to re-credit {$4600.00} to your credit card. This written acceptance covers the complete transaction of {$4600.00}. It demonstrates that the merchant, XXXX, accepted the return and authorized refunds for both the missing item valued at {$3000.00} and the returned item valued at {$1600.00}, totaling {$4600.00}. As of today, CHLOEs failure to follow through with this confirmation is unethical and disingenuous. Additionally, the denial of my dispute by Goldman Sachs reflects the type of dispute mishandling that resulted in regulatory action against Goldman Sachs and Apple, where the CFPB issued penalties totaling over {$89.00} million for failures related to consumer dispute handling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am disputing the following collection account currently appearing on my credit report : Creditor Name : JEFFERSON CAPITAL SYSTEMS LLC Reported Balance : {$140.00} Date Opened : XX/XX/year> I am requesting validation and verification of this alleged debt pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Please provide : Documentation showing I legally owe this debt A signed agreement or contract Complete account records Proof that your company has authority to collect Verification of the reporting accuracy to all bureaus If this account can not be fully verified, I request immediate deletion from my consumer reports. This account is being disputed due to concerns regarding reporting accuracy and insufficient verification. Please send me written results of your investigation. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Nelnet, Inc.
State: FL

Complaint narrative:
At the moment, I find it difficult to make payments month after monthand they keep increasing the loan balance every day. The only option they offer me is to stop paying until I am able to do so ; however, the interest still accumulates excessively regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally dispute the opening of a Citi AAdvantage credit card in my name ( Account Ending in XXXX ) which I received on XX/XX/XXXX. This account was opened fraudulently through identity theft. Incident Details : Unauthorized Account : I have not applied for credit with Citibank in over a decade ( since my XXXX bankruptcy ). Incorrect Name : The card was issued to " XXXX XXXX, '' which is not my legal name ( XXXX XXXX XXXX or XXXX XXXX XXXX ). Security Failure : I am deeply concerned that a {$5400.00} credit limit was issued without valid photo identification or proof of income, especially given my prior financial history with your institution. Contact History : I called on XX/XX/XXXX to report this fraud. The card was cancelled, but the representative refused to provide details regarding the application 's origin.

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 2026-05-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MS

Complaint narrative:
Its extremely complicated and messy. I was on unemployment in XXXX. I agreed to terms for a Way2Go card and account. Way2Go stopped communicating with me in late XXXX early XXXX. In XXXX, XXXX put funds in my Way2Go account on my Way2Go card. I never agreed to or was asked to agree to XXXX terms or fees until today. I entered my direct deposit information online and turned the information in - in person to MDES via a local WIN Job Center. They failed to use this information which is how my funds ended up in my Way2Go account. My contact information/preferences for Way2Go changed without my knowledge or consent. I to this day - XX/XX/XXXX - am unable to login to the account online. Fees have been charged by Way2Go without agreements or notification. I am now being asked to agree to new terms via XXXX to only use my nationwide Way2Go card at banks within a specific region of the United States. Way2Go is the card issuer/account holder not XXXX therefore the terms should be from and with Way2Go not XXXX. Way2Go issued me the card and knows when it expires. Way2Go failed to communicate with me between late XXXX XXXX and today XX/XX/XXXX regarding any changes to the account or terms although the account remained open ( funds remained in the account ) and the card has not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading reoporting related to an alleged vehicle repossession account appearing on my consumer credit reports with XXXX XXXX, and XXXX. There have been times within XXXX, XXXX, which I called and attempted to make payment arrangements, during a time which I did not have income. This account is being reported with conflicting and inconsistent information across all three credit bureaus, including inaccurate dates, misleading account statuses, and duplicate derogatory reporting that has severely harmed my credit profile and financial opportunities. The account reflects different : Dates of first deliquency Charge off dates Last payment dates Collection reporting dates Account status histories

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account originally issued by The XXXX XXXX XXXX and later serviced/collected by LVNV Funding/ Resurgent. I acknowledge the account but believe the balance became inflated due to excessive fees, interest, and overlimit charges during a period of severe financial hardship following a XXXX work-related injury and job loss. During this time, I repeatedly contacted LVNV/Resurgent via email and mail, providing hardship, termination, and medical documentation, and requesting settlement options. However, I received little to no meaningful response. I attempted to contact via mail since the last year and until the this year, the latest mail is from early of XX/XX/XXXX which included every documents to serve as the evidence for my hardship lead to the debt and how I can cooperate to show my good will to offer the settlement amount even I am a student with low income right now. I used to file the FDIC ( XXXX XXXX. XXXX ) complaint regarding the issue with this credit card because I believe it is not right to exploit the poor credit profile and hard-ship, low income consumers, however, I still would like to show my good-will to resolve this matter and rebuild my credit. I respectfully request a review of the account, consideration of hardship accommodations or fee reduction, clarification of settlement options, and an opportunity to resolve this matter in good faith. I prefer communicate thru the letter ( mail ) instead of calling because I live in different time zone and study and work, this is why I prefer official mail or email communication as showed clearly in previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am filing this complaint against American Express for deceptive practices regarding the XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) benefits on the Amex XXXX card. Amex advertises a {$600.00} annual hotel credit ( {$300.00} per half-year ) and a {$100.00} on-property credit. However, their booking portal displays misleading information, confirming benefit eligibility at checkout while silently failing to apply those benefits to the actual reservation. Consumers only discover this failure at the hotel check-in desk, when it is too late to modify the reservation without severe financial penalties. I attempted to use this benefit twice, experiencing system failures and misleading guidance both times. On my first attempt, the XXXX benefits were not applied at the hotel. Upon contacting Amex, I was told the benefits are strictly for prepaid bookings. I accepted this explanation and ensured strict compliance for my next booking. For my second attempt, I booked a stay at the XXXX XXXX XXXX XXXX for XX/XX/year>, costing over {$400.00}. Following Amex 's exact rules, I selected a prepaid rate and used my Amex XXXX card. The Amex travel portal explicitly stated on the booking screen that the XXXX benefits and credits were applicable to this exact reservation. Despite following all rules and receiving confirmation on the Amex portal, I was informed at check-in that my XXXX benefits were not applied. This resulted in an unacceptable trap. The hotel stated that because the check-in process had started, they could not modify the reservation. My only option was to cancel, pay a steep cancellation penalty, and rebook. Amex Customer Service also refused to help. During a two-hour phone call, the Amex agent claimed they could not modify the reservation or provide any support once a guest is checked in. Because Amex and the hotel pointed fingers at each other, I was left entirely out of pocket. I paid a premium prepaid rate based on the portal 's explicit promise of XXXX benefits but received absolutely none of them. Amex must be held accountable for operating a travel portal that confirms benefits at checkout but fails to deliver them at the property. I am requesting the immediate manual application of my {$300.00} half-year statement credit for the XXXX XXXX XXXX XXXX XXXX XXXX plus a {$100.00} statement credit to compensate for the lost on-property experience credit that I was wrongfully denied. I also have screenshots proving the portal confirmed my XXXX eligibility at the time of booking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
my information was part of XXXX data breach and used to open a car loan XX/XX/year> for XXXX aND UNDER SECTION 611 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) AT 15 U.S.C -1681I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of my debit card fraud claim involving unauthorized transactions totaling approximately {$680.00}. Beginning in XX/XX/year>, unauthorized transactions appeared on my checking account from merchants including XXXX, XXXX, XXXX, XXXX XXXX, and XXXX. Because some of these merchants were familiar merchants I had used in the past, I did not initially recognize the activity as fraudulent. I first noticed suspicious declined XXXX notifications that did not align with my activity, but it was not until XX/XX/year> that I fully reviewed my account and discovered a pattern of transactions that I did not authorize. I immediately contacted Navy Federal and filed a fraud claim. During the investigation process, I explained that the disputed transactions did not match my actual spending behavior. As a flight attendant, my XXXX usage is primarily transportation to and from airports and typically involves higher and less frequent charges. However, the disputed XXXX charges reflected multiple low-dollar rides occurring frequently and in patterns inconsistent with my normal ride history. I also informed XXXX XXXX that : XXXX I do not have an XXXX account and have never used XXXX for purchases * The disputed XXXX, XXXX XXXX, and XXXX transactions did not match my merchant account order histories * I submitted supporting screenshots and documentation showing these inconsistencies Despite this documentation, XXXX XXXX denied both my original claim and subsequent appeal. After requesting the evidence used in the investigation, I received a response stating only that historical and/or trusted device activity was identified. No supporting attachments, merchant verification, transaction authentication data, shipping information, IP/device logs, or other evidence were provided. I believe the institution relied primarily on generalized spending-pattern assumptions and trusted device conclusions without adequately addressing the specific inconsistencies and documentation I submitted. I am requesting that this matter be reviewed for whether the fraud investigation and claim denial were handled appropriately and whether sufficient consideration was given to the evidence provided during the dispute and appeal process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 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: Credit Karma, LLC
State: TX

Complaint narrative:
There were multiple charges that were taken from XXXX in my account, they refused to give back the charges that were taken and have failed attempts at taking people funds even after their subscription have been canceled the amount that has been taken is $ XXXX from their service I disputed with Credit Karma and they denied my claim and also denied me a investigation and refused to send my money back they then froze my account and gave me the run around then withdrew my funds out of my account and closed it if nothing is resolved I will be looking forward to suing XXXX and Credit Karma ran by a bunch of scammers and hackers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
I made a mortgage payment of {$4900.00} on XX/XX/XXXX to the prior loan servicer ( XXXX ) before my loan transferred to XXXX. XXXX. The payment cleared my bank on XX/XX/XXXX and I possess proof of payment. Since the transfer, the current servicer, XXXX XXXX has failed to credit the payment despite multiple calls, emails, and online inquiries. In addition they have threatened late fees and negative reporting to credit agencies, all illegal in a loan transfer situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The estate of XXXX XXXX formally requests the XXXX XXXX XXXX, which is associated with XXXX XXXX XXXX XXXX XXXX We have diligently pursued the settlement of my mother 's estate for 17 years, and we have recently identified the specific trust that was transferred into a XXXX XXXX on XX/XX/year>. We assert that Bank of America has obstructed our efforts to locate this trust and have engaged in deceptive practices from the outset. We possess all necessary documentation to substantiate our claims. Furthermore, we confirm that we have not received any documentation or pertinent information regarding a XXXX XXXX. We also have never received any benefits from Bank of America except checks that were a complete deception and had no value.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
On XX/XX/year>, I received correspondence from JEFFERSON CAPITAL SYSTEMS LLC, stating they were the current creditor and that I have an alleged debt amount of {$2100.00}. JEFFERSON CAPITAL SYSTEMS LLC also included three different payment plan options to pay the alleged debt. JEFFERSON CAPITAL SYSTEMS LLC also failed to provide the required notice of my right to dispute the alleged debt within thirty days. On XX/XX/year> at XXXX, JEFFERSON CAPITAL SYSTEMS LLC received my request for validation of the alleged debt as well as a statement that I am disputing this alleged debt. ( Please review attachments for specific documents I requested from JEFFERSON CAPITAL SYSTEMS LLC to validate alleged debt ) Between XX/XX/year> and XX/XX/year> I received a letter from JEFFERSON CAPITAL SYSTEMS LLC that they are in receipt of my earlier request for validation of the alleged debt. The only thing attached was a statement from T-mobile with an alleged balance of {$2100.00}. JEFFERSON CAPITAL SYSTEMS LLC failed to provide validation of the alleged debt. On XX/XX/year> at XXXX JEFFERSON CAPITAL SYSTEMS LLC received a letter from me that I recently became aware through credit monitoring ( XXXX XXXX ) that JEFFERSON CAPITAL SYSTEMS LLC reported and/ or are reporting the alleged account to consumer reporting agencies without providing proper validation of the alleged debt. I also stated that if JEFFERSON CAPITAL SYSTEMS LLC is unable to provide competent validation as the alleged current creditor, they are required to cease collection activity and request deletion of the account from all consumer reporting agencies. Between XX/XX/year> and XX/XX/year> I received a letter from JEFFERSON CAPITAL SYSTEMS LLC that they are acknowledging receipt of my communication concerning the alleged debt of {$2100.00} and are confirming that they have closed their file and terminated collection action. On XX/XX/year> at XXXX XXXX, JEFFERSON CAPITAL SYSTEMS LLC received a Cease and Desist letter from me demanding JEFFERSON CAPITAL SYSTEMS LLC to cease all communications with me regarding this alleged debt including any false information reported to any consumer reporting agency within 10 days of receipt of this communication.

Company response to consumer: Closed with non-monetary relief