vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America continues to engage in a repeated pattern of delay, scripted XXXX outreach, disregard of my communication instructions, and meaningless boilerplate responses while my account continues to deteriorate. I have been attempting to resolve this matter since XX/XX/year> and proactively sought hardship assistance long before my account reached this stage. We are now well past the XXXX day delinquency stage, and I am fully aware of the seriousness of where this account stands. I am not confused about what is happening, and I am not passively allowing this to unfold without documentation. That is precisely why Bank of America has multiple active complaints from me through the CFPB, XXXX, and XXXX documenting this exact pattern of conduct. Most recently, a Bank of America XXXX XXXX representative contacted me by phone despite my explicit written communication request that all communication be conducted in writing only and that phone contact cease. That call created the appearance that my complaint was finally being meaningfully investigated. Instead, after approximately a month of delay, the so-called response consisted of nothing more than mailing generic copies of my contracts/cardmember agreement and standard boilerplate materials that do absolutely nothing to address the hardship concerns raised. This is now the third XXXX office representative involved in the same exact cycle : XXXX outreach, promises of review, weeks of delay, and ultimately the same useless copy-and-paste non-response. Sending generic agreements while an account continues deteriorating is not hardship assistance. It is not a meaningful response. It is a deflection. At this point, I have a reasonable concern that Bank of America is deliberately allowing this matter to continue deteriorating while creating the appearance of responsiveness through scripted XXXX outreach and generic responses, only to later claim they responded. Let me be clear : I am not ignoring this matter, and I am not naive about what happens when accounts continue aging. That is exactly why I have consistently documented my hardship, my requests for meaningful assistance, my written communication instructions, and every failure by Bank of America to meaningfully engage. If this matter continues escalating after months of documented good-faith efforts on my part, the record will clearly reflect Bank of Americas repeated delays, boilerplate responses, disregard of my communication requests, and failure to meaningfully address the actual issue.

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 2026-05-11 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: CO

Complaint narrative:
On XX/XX/year>, three travel-related charges appeared on my Apple Card account issued by Goldman Sachs Bank USA XXXX XXXX - {$200.00} XXXX - {$68.00} XXXX - {$110.00} I did not authorize these transactions, did not book any travel, did not receive or use any tickets, itineraries, hotel stays, or travel services, and did not benefit from these purchases in any way. My physical device and Apple Card remained in my possession at all times, and I did not share my XXXX XXXX, device, or card information with anyone. I disputed the charges multiple times. Goldman Sachs initially denied the disputes, stating the transactions were authorized. I requested supporting evidence and was eventually provided merchant evidence from XXXX. However, the evidence provided raised significant concerns and contradictions. After receiving the merchant evidence, I contacted XXXX directly through their support chat and requested confirmation of the reservations and transactions associated with the disputed charges. XXXX support informed me they could not locate the transactions or reservations tied to those charges and stated there were no transactions applied. I have screenshots of these conversations. Goldman Sachs later re-investigated the disputes a fourth time but again concluded the charges were authorized, despite the conflicting information from XXXX support and despite my continued denial of authorizing or benefiting from the transactions. I also requested documentation showing how Goldman Sachs determined the charges were authorized, including booking confirmations, reservation details, billing information, and evidence connecting me to the travel activity. XXXX evidence was not provided, and the XXXX evidence does not resolve the contradictions regarding whether the reservations actually existed or were validly authorized by me. I believe the dispute investigation was incomplete and unfair because the decisions appear to rely primarily on the existence of authorization data rather than proof that I personally authorized or benefited from the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Issue : Credit card APR and credit limit decrease Company : Barclays I am submitting this complaint regarding a credit card account with Barclays that has been managed responsibly and without any negative history. I have maintained a perfect payment record, with no late or missed payments, and I have a strong credit profile. Despite this, Barclays recently reduced my credit limit from approximately {$13000.00} to {$5000.00} without any clear justification tied to my creditworthiness or behavior. This action has negatively impacted my credit utilization ratio, which can in turn harm my credit score, even though I have done nothing to warrant such a reduction. Additionally, my account carries a 26.75 % APR, which appears excessive given my strong credit standing and history of responsible use. This rate is not competitive with current market offerings for consumers with similar credit profiles. I contacted Barclays to request : A manual review of my credit limit reduction A reconsideration of my XXXX to better reflect my creditworthiness However, I did not receive a satisfactory explanation or resolution.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: IN

Complaint narrative:
My checking account was hacked and as a result, Credit Karma Money closed my account. After closing my account they forwarded what was left in my account to another account. They had on file and I proceeded to dispute the transactions. After they finished their investigation, they did send checks with the funds. However, I had a very hard time cashing them. There was one in particular that I could not cash {$850.00}. Im not exactly sure what the issue was, but that one check in particular my current bank could not accept it after I had already endorsed the back for mobile deposit. I had a difficult time with all of the checks some of them my bank wouldnt take a night took them to XXXX and that worked but this one I had already written on, so XXXX wouldnt take it. I proceeded to call Credit Karma Money for them to re-issue another check. The people on the phone told me that it had to be escalated to an apartment that did not have a phone number. So they took notes and someone emailed me later that day. I immediately responded to the email and they did not respond. I called back. I got an email from a different person. I responded to that email. They did not respond. I emailed again asking why no response. Finally they responded asking me to void the check and send pictures so I did. A few days later I got an email that said it was an automated response wondering why I had not replied and asked if the issue was resolved. I responded that. No it was not resolved and resent the voided checks. I never heard anything back. A few days later I emailed again they still acted like they had never got the voided checks. I proceeded to send the pictures again for a third time and they did email me back, saying that they were going to escalate it to the appropriate department. That was on Thursday, XX/XX/XXXX and I havent heard anything since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate and disputed collection reporting appearing on my Equifax credit report. Equifax is reporting a collection account from XXXX XXXX XXXX XXXX allegedly connected to XXXX XXXX. The account is currently reporting as unpaid with a balance of {$240.00}. I disputed this account because I do not believe the information has been properly verified and I requested a reasonable reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Despite this, Equifax continues reporting the account while only adding the comment Consumer disputes reinvestigation in progress, without providing evidence that a proper investigation or verification was completed. I am requesting that Equifax and XXXX XXXX XXXX XXXX provide full documentation supporting the reporting of this collection account, including : * Proof I am legally responsible for the debt; * Complete account statements and billing history from XXXX XXXX; * Documentation showing the account was properly assigned or transferred to XXXX XXXX XXXX XXXX; * Proof of the date of first delinquency pursuant to 15 U.S.C. 1681s-2 ; * Any signed service agreements, applications, or contracts connected to the account; * The method of verification used during the investigation; * Documentation establishing permissible collection activity under the Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, furnishers of information and consumer reporting agencies are prohibited from reporting information they can not verify as accurate and complete. Continuing to report disputed information without competent verification may constitute violations of 15 U.S.C. 1681e ( b ) and 1681i. If the account can not be fully verified with competent documentation, I request immediate deletion of the collection account from my Equifax credit report. I also request that Equifax comply with its obligations under federal law by conducting a reasonable reinvestigation instead of continuing to report disputed information without adequate verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, we first discovered fraudulent charges on our account and immediately reported the fraud to the bank. On XX/XX/year>, we filed a Declaration of Fraud regarding XXXX unauthorized transactions. Within approximately XXXX weeks, the bank refunded all disputed charges except for XXXX transactions that remained denied : Maniac Cards {$280.00} posted XX/XX/year> Maniac Cards {$280.00} posted XX/XX/year> XXXX XXXX XXXX XXXX {$130.00} posted XX/XX/year> We immediately disputed these remaining XXXX charges and filed another Declaration of Fraud. The bank denied the claim. After contacting the bank by phone, we were instructed to submit another dispute. On XX/XX/year>, we filed a third XXXX of XXXX regarding the same XXXX unauthorized transactions. On the same date, we formally requested copies of the documents and evidence the bank relied upon in denying the claims. Also on XX/XX/year>, we received an email from the bank stating the denial was based on an XXXX purchase. However, we never disputed any XXXX transactions, as those purchases were authorized by us. On XX/XX/year>, the bank acknowledged receipt of our dispute for the third time. On XX/XX/year>, we received another denial email stating : Our investigation concluded that the disputed transactions are consistent with your historical purchasing activity and there was no persuasive evidence of changes to your account credentials, card status, or account activity that is consistent with unauthorized use of your card. As a result, no credit will be issued to your account. On XX/XX/year>, we again formally requested copies of all documents and evidence used in denying the claim. We also contacted the bank by phone and were informed that resolution could take up to 30 days. On XX/XX/year>, we received another email again referencing XXXX purchases as the basis for denial, despite the fact that no XXXX transactions were ever disputed. The bank denied the claim again without providing the requested supporting documentation related to the actual disputed charges. Despite multiple disputes, repeated requests for documentation, and clarification that the disputed transactions were not XXXX purchases, the bank continues to deny the claims while relying on irrelevant transactions and has failed to provide adequate supporting evidence for its determinations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I disputed an alleged XXXX XXXX account in writing on XX/XX/year> and informed Harris & Harris that the account was under formal dispute with the Public Utility Commission of Texas ( Docket No. XXXX ). I requested that collection efforts cease while the matter was under review. Despite this, Harris & Harris continued sending collection emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. On XX/XX/year>, I sent an additional written notice specifically requesting validation of the alleged debt, including a breakdown of charges and proof of authorization to collect. Despite this request, Harris & Harris sent another collection email on XX/XX/year> without providing validation. These communications demanded payment but did not provide sufficient documentation validating the alleged debt. I am requesting that Harris & Harris cease collection activity until proper validation is provided and the Public Utility Commission matter is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My account was randomly closed by PayPal in XX/XX/year>. They were unable to give me a reason why my account was closed and have not allowed me to access my money that is available in the account. I have over {$1000.00} in my account that I cant withdraw. They stated they would hold my funds for up to 6 months in the case of a chargeback which is absolutely ridiculous! Most banks dont even allow any disputes after 60 days so 180 days is 3x that timeframe. PayPal is a terrible business, they are based on foreign policies and they are essentially robbing their patrons. If my account was closed, I should be able to withdraw my money completely. Please assist me with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I am the victim of identity theft involving a XXXX XXXX XXXX home improvement financing account opened fraudulently in my name for approximately {$5000.00} in Michigan. I noticed a hard inquiry on my credit on XX/XX/XXXX and then noticed the balance on my report a couple days later around XX/XX/XXXX. I discovered the account immediately after it appeared on my credit reports and promptly disputed it with XXXX and all three credit bureaus. The credit bureaus removed the tradeline from my reports. Despite my immediate dispute and identity theft claim, XXXX later concluded that the account was not fraudulent based primarily on the fact that the application contained my personal information such as my phone number, mailing address, and email address. The use of my personal information by an unauthorized party does not establish that I opened or authorized the account. XXXX has not provided sufficient evidence demonstrating that I personally applied for or authorized this financing account. I have already filed an FTC Identity Theft Report and provided supporting documentation. I have requested that XXXX provide the complete application, signature records, merchant information, IP/device logs, contracts, invoices, and all documentation relied upon during its investigation. I am requesting that XXXX : 1. Conduct a reasonable reinvestigation 2. Provide all documentation used to verify the account 3. Cease any reporting or collection activity related to this fraudulent account 4. Permanently remove and block the account from any future credit reporting This account was not opened by me, and I am seeking assistance in resolving this identity theft matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Westlake Financial is engaging in systemic telephonic harassment. I have documented over 130 calls since XX/XX/XXXX, including 'blitzes ' of 20+ calls per week, violating Regulation F 's " 7-in-7 ' rule. Harassment occurred on federal holidays ( XXXX, XXXX XXXX ) and during my XX/XX/XXXX hospitalization. I am current on this loan with a perfect 2.5-year payment history. I have officially revoked consent for telephonic contact via Certified Mail ( Tracking # XXXX ) on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
In XXXX someone fraudulently opened a Best Buy credit account under my name and information without my knowledge or consent. Without knowing the account went delinquent and was sent to collections. In XXXX a judge ordered in favor the collections company garnish my wages for the charges. I still at this time didnt know of any charges or lawsuit due to my address being different from the card. Now here in XXXX the court is still trying to garnish my wages.

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 2026-05-11 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I went to an XXXX XXXX ATM located on XXXX XXXX XXXX XXXX XXXX, Ga, XXXX. I tried to withdraw {$300.00} but the ATM declined my transaction. {$0.00} was dispensed. {$300.00} was subtracted from my balance! XXXX customer support gives little to no details on my claim. XXXX of the speakers were rude and rushing to end conversation. I was first told the transaction was pending and was going to be reversed. The transaction then posted, no emails sent to me but I have to rely on this untrustworthy company to provide me what is rightfully mine. Im going to continually call even though my experience is disappointing to say the least, thats the only way I can find somewhat of an answer.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a secured credit card with Discover Card. I sent {$200.00} security deposit and I made payments over the past XXXX years automatically from XXXX XXXX in my checking account. I found out recently that my card was closed by Discover to sue suspected fraudulent activity. They continued to take my automatic payments even through the card was closed and now they owe me thousands of dollars, but they have neglected to provide a refund to Chase Bank. I have called several times trying to get this handled, but they just keep transferring me and telling me to take it up with Chase Bank. Chase Bank tells me its Discover Card that needs to handle it. Please help me get my refund of money that they never should have processed after closing the credit card.

Company response to consumer: Closed with explanation