vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XX/XX/year> : Letter mailed from XXXX asking to collect a debt of approximately $ XXXX ; I confirmed via telephone that the debt was not mine XX/XX/year> : Second letter mailed from XXXX confirming my inquiry. XX/XX/year> : Spoke to XXXX agent and she confirmed again that the debt is not mine and that XXXX would open up a case to investigate. XX/XX/year> : Spoke to XXXX XXXX at XXXX, explained that the debt was still showing on XXXX and now was also showing on XXXX ; she requested a copy of both credit reports from XXXX and XXXX showing that they debt was added to my credit report. XXXX also confirmed that the address connected to the $ XXXX debt is connected to an address in XXXX. I confirmed I have never lived in XXXX. XX/XX/year> : I uploaded both credit reports to XXXXXXXX XXXX customer portal for further investigation. XX/XX/year> : Spoke to XXXX and reported possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
XX/XX/year> : Letter mailed from Resurgent asking to collect a debt of approximately XXXX XXXX ; I confirmed via telephone that the debt was not mine XX/XX/year> : Second letter mailed from Resurgent confirming my inquiry. XX/XX/year> : Spoke to Resurgent agent and she confirmed again that the debt is not mine and that Resurgent would open up a case to investigate. XX/XX/year> : Spoke to XXXX XXXX at Resurgent, explained that the debt was still showing on XXXX and now was also showing on XXXX ; she requested a copy of both credit reports from XXXX XXXX XXXX showing that they debt was added to my credit report. XXXX also confirmed that the address connected to the XXXX XXXXXXXX debt is connected to an address in AL. I confirmed I have never lived in AL. XX/XX/year> : I uploaded both credit reports to Resurgent 's customer portal for further investigation. XX/XX/year> : Spoke to XXXX and reported possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.

Complaint narrative:
To Whom It May Concern, I am writing to formally request immediate assistance regarding my Citibank account, which has remained locked for the past four months. Despite making numerous attempts to contact Citibank by phone, I have not received a resolution. Each time I have called, I was informed that I needed to wait for a letter containing an unlock code required to regain access to my account. During my most recent communication, I was advised that the letter had been mailed on XX/XX/XXXX. However, as of today, I have not received this letter. I find this especially concerning because I have successfully received other correspondence from Citibank at my current address, which indicates that the address on file is accurate. Unfortunately, after four months of repeated follow-ups and no meaningful progress, this matter remains unresolved. This situation has caused significant frustration and inconvenience, and I respectfully request that Citibank investigate this issue immediately and provide an alternative solution to restore access to my account without further delay. Citi Reference Number : XXXX Account Number : XXXX I have also attached copies of the letters I have received from Citibank for reference. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Best regards 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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a notification from Cash App that my card was deactivated. Upon opening the app on my phone, I was given a notice that my account was deactivated. I appealed and asked for clarity as to what I was being accused of, and repeatedly received the response of " Terms and Conditions violation '' followed by " Check the Terms and Conditions ''. When I asked in support chat and calling the number, they repeatedly told me the same thing, even going as far as saying they can't get anyone to tell me the reason. On XX/XX/year>, I received an email saying the deactivation appeal failed, and once again did not give me a transparent reason for my account deactivation. I called the support number again to ask for someone who can give me the transparent reason to send an email, but was told the support staff can't even do that. This has made my life difficult, and I don't appreciate them giving me the cold shoulder. Not the support staff, though, they are trying at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: KY

Complaint narrative:
My federal student loans were first disbursed in XXXX and XXXX, from XXXX XXXX XXXX and from XXXX XXXX XXXX, and I have been enrolled in an XXXX XXXX ( XXXX ) plan for over XXXX years. Under the forgiveness timelines established in 34 C.F.R. 685.209 ( XXXX XXXX ) and XXXX C.F.R. 685.221 ( XXXX requirements ), I should have already reached the XXXX forgiveness threshold.Based on my disbursement dates and longterm participation in XXXX, my loans were set to be discharged more than a XXXX XXXX. Despite this, my servicer has not processed forgiveness, has not provided an accurate XXXX payment count, and has not given a clear explanation for the delay.I requested a full XXXX payment count audit from my servicer, but I have not received a complete or satisfactory response. I am concerned that my servicer has miscounted qualifying months or failed to apply federal guidance correctly.I am requesting the XXXX XXXX XXXX assistance in reviewing my account and determining whether I have already met the forgiveness requirement. However they all keep sending me blanket forms requesting the same information which has been provided multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A fraudulent individual tried to open a new credit card using my stolen personal information with XXXX XXXX on XX/XX/year>, and XXXX XXXX used TransUnion to do a Hard Inquiry on my Credit Report.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/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 2026-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I made an {$8200.00} purchase from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) using my XXXX XXXX XXXX XXXX XXXX, issued by Capital One. The product was a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( item # XXXX, XXXX XXXX ), delivered XX/XX/XXXX. Within less than 12 months of delivery, under ordinary residential use and despite regular application of a commercial leather care kit, the leather upholstery became dry, cracked, and pilled across the sectional. XXXX XXXX markets this sectional as " Contract Grade, '' a designation the company applies to furniture built to withstand heavier-than-residential use. On XX/XX/XXXX, I opened claim case # XXXX with XXXX XXXX and submitted photographs. After internal escalation to XXXX corporate , the company 's Floor Supervisor of Customer Care and Quality Team reviewed the matter and issued a final written refusal stating they " must respectfully decline your request for return and consider this matter closed. '' I then filed a chargeback dispute with Capital One ( Case # XXXX ) under the " merchandise not as described / defective merchandise '' category. Capital One denied the dispute, stating : " We have a limited amount of time to reverse a charge on our customer 's accounts. Unfortunately, that timeframe has expired for this particular charge. If you want to dispute a charge in the future, please let us know within 60 days of receiving the statement that shows the disputed charge. '' This denial applies the 60-day billing-error window which governs situations like unrecognized charges or wrong amounts to a defective merchandise dispute. Under XXXXXXXX XXXX published chargeback framework, " merchandise not as described / defective merchandise '' claims are timely if filed within 120 days of discovery of the defect, with a 540-day cap from the transaction date. I discovered the defects shortly before opening the merchant case on XX/XX/XXXX, and filed my chargeback promptly after the merchant 's final written refusal. By XXXXXXXX XXXX framework, my dispute is timely. I am asking Capital One to re-evaluate this dispute under the correct reason code for defective merchandise and reverse the {$8200.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A fraudulent individual tried to open a new credit card using my stolen personal information with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used TransUnion to do a Hard Inquiry on my Credit Report.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my ChexSystems consumer file by multiple financial institutions, including XXXX XXXX XXXX XXXX These accounts are being reported in a manner that is incomplete, inconsistent, and potentially inaccurate. I dispute all of the listed accounts and have requested proper verification and supporting documentation ; XXXX XXXX XXXX XXXX XXXXACCT # : XXXX / XXXX Original Charge Off Amount : {$1000.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Misrepresented Product and Dispute Handling I am filing a complaint regarding a purchase made through PayPal where I believe I was misled by a merchant XXXX after using XXXX to make a purchase from them, and subsequently denied a fair resolution through PayPals dispute process. The product I purchased was advertised as a set of XXXX fully assembled hanging floral arrangements, including decorative baskets and a hanging mechanism. However, the items I received were completely different. Instead of hanging baskets, I received loose artificial flowers wrapped in plastic, with no baskets or hanging components included. The items do not match the advertised product in appearance, functionality, or value and are unusable for their intended purpose. I disputed this transaction with PayPal multiple times, providing photo evidence of the items received and explaining that the product was significantly not as described. Despite this, my claims were repeatedly denied. The reason provided was that the item was received, which does not address the core issue that the item delivered is materially different from what was advertised. This reflects a failure to properly evaluate disputes involving misrepresentation and places consumers at a disadvantage when dealing with deceptive sellers. I believe this situation constitutes false advertising and inadequate dispute resolution practices. I have attached supporting documentation, including images of the item received and, if needed, can provide the original product listing for comparison.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called chime on XX/XX/year>. I told them I need bank statement to provide to Irs. They say they cant see nothing from that old account. Then they have records but cant provide it me because I closed it and it was said on the closing terms. I ask for a letter explaining they cant provided and they say they cant. I. told them that is federal reason for IRS and they still denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Bank Failed to Properly Investigate Unauthorized Hotel Charge Dispute I am filing a complaint regarding my banks handling of a disputed transaction. On XX/XX/year>, a charge for {$270.00} from XXXX appeared on my account. I did not use these hotel services, and any reservation associated with this transaction had been canceled. I immediately disputed the charge and provided supporting documentation. The dispute was opened on XX/XX/year>. Since then, I have uploaded multiple files and evidence on several occasions, including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The banks system continues to show that the dispute is in progress, but I have received no meaningful updates, no explanation of the investigation, and no resolution. I am concerned that the bank has failed to conduct a timely and reasonable investigation as required under consumer protection regulations. Despite providing substantial supporting documentation, the bank has effectively ignored my evidence and has not communicated its findings. I am requesting that the CFPB require the bank to : 1. Conduct a full and fair investigation of this disputed transaction. XXXX Review all documents and evidence I submitted. XXXX. Provide a written explanation of their findings. XXXX. Refund the unauthorized charge if the investigation confirms that the transaction was not valid. XXXX. Communicate with me in writing so that a complete record is maintained. I have been the victim of identity theft and have previously reported related issues. Given these circumstances, I believe this matter deserves careful review. Thank you for your assistance. XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am not a XXXX customer but someone has tied my personal email address to their financial account. I have attempted to resolve this, but XXXX XXXX public support email is unmonitored and their other digital support channels are entirely inaccessible if you do not have an active account login.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing a formal complaint against American Honda Finance Corporation for severe credit reporting errors and administrative negligence. My vehicle was a total loss in XX/XX/year>. Primary insurance paid Honda approximately {$27000.00} in XX/XX/year>, and the remaining balance is a pending GAP insurance claim with XXXX, which I have been actively managing and going back and forth with for months. To protect my credit profile during this multi-month GAP process, I paid {$1700.00} out of my own pocket across XXXX, XXXX, and XXXX. On XX/XX/year>, a Honda representative named XXXX told me on the phone someone needs to come in handle the paperwork in person at the dealership. Because I was dealing with a personal emergency, my parents went to the dealership that exact same day ( XX/XX/year> ) to comply in good faith. On XX/XX/year>, I spoke with a Honda manager named XXXX, who reviewed my file and explicitly admitted on record that the instructions and paperwork XXXX provided on XX/XX/XXXX were completely incorrect, causing severe administrative delays. Despite this being 100 % an internal Honda documentation error, Honda is actively reporting this account as XXXXXXXX XXXX XXXX to XXXX. Today, XX/XX/year>, a phone supervisor refused to update my account status to 'Insurance Pending ' and stated I must mail a letter to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, but refused to guarantee that Honda would remove the negative marks caused by their own employee 's error. Desired Resolution : I want Honda 's corporate compliance team to review manager XXXXXXXX XXXX XXXXXX/XX/XXXX notes, accept accountability for their administrative delay, and submit a retroactive credit deletion to XXXX to completely erase all past-due marks from XX/XX/year> to the present. I require a full refund check for my out-of-pocket overpayments once the XXXX check lands and closes the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
So before XX/XX/XXXX came, almost a week before, I was mostly doing my own thing. Getting paid by certain people on cashapp and even helping a friend ( sending them XXXX along the way! ). So it was going well and I guess the AI filter ( which I researched about cashapp actually having that ), doing its usual searching for suspicious stuff which didnt really happen. Plus, for some reason going towards a day before this happened, XX/XX/XXXX. It started to act up : the app kept on canceling payments for a bit and acting weird! Thats until XX/XX/XXXX came around and got an email XXXX in the morning saying my account was closed and NOTHING was said on there. I never gone against the XXXX on there! After that I called support and they said my account was suspected of gambling and fraud. Which I NEVER DONE nor did, Im not sure if the AI system overreacted about my account doing that money take in ( the {$1000.00} in the screenshot provided below ). I tried to contact them again today ; ( XX/XX/XXXX as of writing this complaint ) contacting Cashapp support. And they said they couldnt do anything about it, which was pretty strange to me. Because Im not sure where the rules were broken, further more, they send me to the higher ups ( the manger ). Which theyre contact by emails and nothing else! I tried to speak to the manger about it, and she said she couldnt do anything about it! Im still confused as in how my account even got suspended/closed, what even triggered the AI so bad that they immediately closed without warning, and why they can not do anything after I stated the fact I dont do fraud nor gambling on Cashapp. And they only told me to transfer the savings ( {$170.00} ) I had in there to my XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Fay Servicing, LLC
State: ID

Complaint narrative:
We closed on our home late in XXXX after confirming with Fay Servicing, XXXX XXXX, XXXX XXXX and all other interested parties we had additional debt sent to the title company aftwr closing, not included in original closing documents and after title requested payoff 4 times. After the home closed and was recorded with the county, title received a letter with a payoff amount demanding it be paid. We have title insurance and XXXX title is refusing to pay using title insurance and errors and omissions insurance, as they were aware of this possible lein 12 days before closing. I have mailed a certified letter to credit bureaus, CFPB, mortgage company, title company, attorney generals office, office of insurance inspector and department of financial institutions demanding this be resolved immediately and Fay Servocong and XXXX XXXX be investigated.

Company response to consumer: Closed with explanation