vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Been a Wells Fargo customer since XXXX - Around XXXX months ago I received a letter advising that my accounts would be closed and the reason they provided was business decision - I called loss prevention and at that time I was informed that they could not locate or confirm any letters that were sent and was advised to disregard the letters. Fast forward to today. I was going to pay some bills and I go into my account and notice that the accounts were zeroed out and being closed- I called loss prevention once again and was told that they were closed due to a business decision and thats it - told me that I would need to find another institution. No consideration at that Ive been banking with them for XXXX plus years - I even stayed with Wells Fargo after all the allegations in XXXX - this is unfair, inconvenient! I have never had any fraud issues or any issues for that matter period.

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 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems regarding inaccurate information being reported on my consumer credit report. I am a victim of identity theft, and the account being reported by Jefferson Capital Systems does not belong to me. Jefferson Capital Systems is currently reporting a collection account with an alleged balance of {$860.00} associated with XXXX on my XXXX credit report. This account is fraudulent and was not opened, authorized, or used by me in any way. I have previously disputed this account and notified the credit bureaus that this account is the result of identity theft. Despite this, Jefferson Capital Systems continues to report this inaccurate information, causing significant harm to my creditworthiness, reputation, and ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to conduct a reasonable investigation when a consumer disputes fraudulent or inaccurate information. Additionally, pursuant to 15 U.S.C. 1681s-2 and identity theft protections under federal law, creditors and collection agencies are prohibited from reporting information they can not properly verify as accurate. This account is not mine, and Jefferson Capital Systems has failed to provide sufficient documentation proving I entered into any contractual relationship with them or the alleged original creditor. Continuing to report this fraudulent account after receiving notice of identity theft constitutes negligent and potentially willful noncompliance with the FCRA. I am requesting the following immediately : 1. Permanent deletion of this Jefferson Capital Systems account from all consumer reporting agencies. 2. Written confirmation that the account has been removed. 3. A complete investigation into how this fraudulent account was associated with my personal information. 4. Immediate cessation of all collection activity related to this account. I am attaching identity theft documentation and request that this matter be handled promptly in accordance with federal law. Failure to correct this inaccurate reporting may result in additional complaints being filed with the Federal Trade Commission, state attorney general offices, and potential legal action for violations of the Fair Credit Reporting Act. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint regarding a promotional savings offer advertised by Marcus by Goldman Sachs that I believe is misleading and was not honored despite my full compliance with the stated requirements. On XX/XX/year>, I opened a new savings account after seeing a promotion on the companys website offering a {$1500.00} bonus if {$100000.00} or more in new funds were deposited and maintained for XXXX calendar days. On the same day ( XX/XX/year> ), I deposited {$100000.00} into the newly opened account, exceeding the stated requirement. I have maintained this balance continuously in accordance with the promotional terms. As the XXXX period approached, I contacted customer service to confirm the expected bonus payout date. Based on the XXXX requirement, I understood that XX/XX/year> would be the eligibility date. During this inquiry, I was informed by a customer service representative that I was not eligible for the bonus because I had not activated the offer. This was the first time I was made aware of any such requirement. At no point during the account opening process-after clicking through the promotional offer on the companys website-was there any clear or explicit instruction requiring a separate activation step. I proceeded directly from the promotional page into the account opening flow and completed the deposit under the reasonable belief that I had satisfied all conditions. In reliance on this promotion, I also referred this offer to other friends and family members, further demonstrating that the promotion appeared legitimate, clearly presented, and actionable without additional undisclosed steps. I believe this constitutes misleading advertising, as the requirement to activate the offer was not clearly disclosed during the customer journey. The promotion induced me to deposit a substantial amount of funds ( {$100000.00} ) under terms that are now being retroactively modified or enforced without adequate disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a solar loan financed through GoodLeap in connection with a residential solar installation performed by XXXX XXXX. XXXX XXXX has since filed bankruptcy and failed to fulfill obligations associated with the installation, servicing, performance, and/or representations made during the sales process. I have formally disputed this matter directly with GoodLeap in writing and asserted my rights under the FTC Holder Rule because the financing is directly tied to the seller and installer involved in the transaction. Despite my dispute, I remain concerned about continued enforcement of the loan obligation while the underlying solar project and related obligations remain unresolved. I am requesting : A formal investigation into the account Copies of all loan and origination documentation Review of the lenders position regarding liability tied to XXXX XXXX conduct and bankruptcy Suspension or review of collection/enforcement activity while the dispute is investigated I have maintained documentation of contracts, correspondence, billing records, and prior dispute notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Requested action : delete/remove the disputed Capital One adverse payment information, dispute-resolved adverse remarks, and any incomplete or unverifiable Capital One tradeline fields. If adverse fields can not be removed without leaving a misleading record, delete the full tradeline from the applicable bureau. This is a renewed accuracy, completeness, integrity, identity-theft, hardship, and reinvestigation rebuttal. It is not a settlement demand, not a duplicate dispute, not a request for a XXXX statement, and not an invalid third-party submission. Any prior dispute, CFPB upload, letter, or evidence submitted by me or by an authorized representative is ratified by me and reflects my position. This CFPB package covers XXXX XXXX XXXX XXXX together. It asks the CFPB to require Capital One to conduct a true field-level investigation and to delete or correct all adverse reporting that Capital One can not verify from source records. Core response defect : Capital One 's XX/XX/year> letter says it confirmed the information was accurate and declines any change, but it does not identify the source records, statements, payment postings, XXXX XXXX fields, ACDV/AUD responses, identity-theft review, or bureau-specific crosswalk that would verify the adverse reporting. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
Starting XX/XX/XXXX after graduating from XXXX XXXX XXXX XXXX XXXX, I was put on a program that guaranteed a job in XXXX months or less if I followed all the instructions laid out by my career advisor. Unfortunately I became ill due to my long-standing XXXX and could not continue continue this program. After notifying the school about my XXXX through email at this time, I was given no other option and had to leave school. As I never completed their job guarantee program due to my health problems I should not have to pay this loan. It was predatory and I was not fully given a sufficient explanation on how the billing was undertaken, nor was I told I would be paying over {$22000.00} in loans after graduating from the school. The representative before joining the school did not answer my questions thoroughly, and took advantage of my ignorance of these kinds of loans and had me sign it. I began a new job in XXXX that met their criteria for income that can be charged for 10 % of my annual earnings, but was a job that had no relation to the skills I learned at the coding bootcamp. Currently, for the month of XXXX, I am being charged for about {$3000.00} due on the XXXX for underpaying my loan because of a miscalculation on their part. I have medical records from XXXX, as well as emails from XXXX XXXX regarding my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
On XX/XX/XXXX I went to court to dispute the amount owed. We came to terms for a reduced settlement. I agreed to make the payment online. The attorneys listed ways I could make the payment- dont would not be late and I would have proof the payment was made on time. I called XXXX a day earlier since the file number they gave me wasnt working for an online payment. I was as told by XXXX - that since it was a reduced amount the payment could only be done by phone or a money order sent to the office. I shared that that wasnt even on the list of payment options. She said it was policy- I asked if I could I receive something in writing about it. She said no- and she wouldnt send anything in writing about the only payment option. I asked to escalate the call- XXXX XXXX took the call and stated that it wasnt possible- I said well - what if I waited until tomorrow to find this out, they wouldnt be enough time to get a money order - what documentation would I have that I made the payment on time? If it was online I can screenshot that a payment was made. He stated you will get mail that the settlement was made. I said but i wouldnt get proof immediately. He stated your assuming and thats not true. I said well I also believed the attorneys in court and clearly that wasnt true. He told me I have a day and hung up! I called back- when I called back the person ( XXXX XXXX XXXX that XXXX XXXX XXXX the firm director and there was no one above him to speak with- but she could take the payment. She then stated there was a cease and desist on my file so in order for her to communicate with me she needed me to remove it. I asked if XXXX XXXX put that on the file since that wasnt even mentioned before. She said he didnt. I gave her my bank information to process the payment and - there was no confirmation and no documentation to give me that the payment was made on time! Like I stated! They have several complaints on XXXX for they have several complaints online for accepting payments as final and then still seeking judgments against people. This is a way they do it! I asked for a copy of the recording as well and I was told they would not give me access to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am submitting this complaint regarding the handling and protection of my personal and financial information associated with my federal student loan account serviced by Nelnet on behalf of the U.S. Department of Education. I became aware that my personal information was exposed in a federal student loan data/privacy breach involving information maintained or serviced through Nelnet and/or the Department of Education. The exposure of my information has caused significant concern regarding identity theft, financial harm, unauthorized account activity, and long-term damage to my personal credit and financial security. The exposed information may have included sensitive personally identifiable information such as my name, address, Social Security number, date of birth, account information, and other confidential financial records associated with my federal student loans. As a borrower, I entrusted Nelnet and the Department of Education with safeguarding my sensitive information. I believe they failed to maintain adequate security measures and failed to properly protect borrower data from unauthorized exposure or misuse. Because of this incident, I am requesting : 1. A full investigation into the exposure and handling of my personal information. 2. Written confirmation identifying exactly what information was exposed. 3. Copies of all records associated with my student loan account. 4. Removal or correction of any inaccurate reporting associated with my student loan accounts. 5. Protection from collection activity while this matter is investigated. 6. Review of my eligibility for discharge, cancellation, or other borrower relief due to the breach and resulting harm. 7. Assurance that my information will not continue to be improperly shared or exposed. This situation has caused stress, fear of identity theft, and concern regarding the integrity of my financial records and student loan account history. I request prompt investigation and resolution of this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
b'Account was opened to buy Bitcoin. Deposits were made from my XXXX XXXX and XXXX accounts. I observed online transactions where money was flowed into banking and Bitcoin. Then Bitcoin account was closed then banking. I have received money XXXX XXXX XXXXransactions from but not XXXX. They will not disclose why just saying investigation is closed with no explanation of what investigation and why. I have records for XXXX transactions.\nDepositXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/year> I realized that I was the victim of a bitcoin scam which i also reported to an non-emergent police number and emailed a police officer evidence and threats. The bank customer representative is the one who helped me realize i had been scammed and that they're apparently common. They told me I had to wait for the last fake check sent to bounce around the XXXX or so. XX/XX/year> I had scheduled a XXXX meeting with a bank teller name XXXX XXXX XXXX ( XXXX, XXXX ) I told her my situation and she called a backup team of some sort to see how to handle the situation since the last person wrote no notes. Both XXXX and the back team person told me that i had 5 days to pay back the overdraft and I would be able to keep using my account or open a new account. XXXX XXXX ( XXXX, XXXX ) I came back with my boyfriend who helped pay the overdraft of almost XXXX thinking he's helping me get my account back. The guy that holds the tablet and answers question help me deposit. He also called a back team member to figure out the situation because XXXX didn't leave notes either. Both assured me it will take a few days but i would either keep my account or open a new one. XXXX XXXX I checked my app leading up to this day and decided to call chase about my account still not able to login. I was then told that they decided to close my account anyway and could only open credit cards no checking or savings. As soon they told me that i went back to the same bank right after and spoke with a different bank teller who could do nothing at that point being new to the situation and still had no notes to go off of. She said would write an appeal to the bank manger for me and said i would have to wait until whenever she checked her email basically. XX/XX/year> I went back to check and see if my appeal had been seen yet. Lady up front said she would have someone call. XXXX XXXX Chase damage and escalation team something of that nature told me because there were no notes and that their decision was permanent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Debt Settlement Group, Inc. dba Debt Rx
State: OR

Complaint narrative:
I have been working with Debt RX for an estimated XXXX months. From XXXX XXXX XX/XX/year>. XXXX made an and estimated successful XXXX payments out of XXXX payments to them thats about XXXX dollars. The payments were XXXX a month that included there fees of XXXX and the extra XXXX for a lawsuit protection plan. XXXX actually went into savings, which was drained leaving me with XXXX dollars in the end, because of overdraft fees and missed payments. So XXXX paid them an estimated XXXX dollars in total. They have not negotiated or closed any of my accounts in the past XXXX months. Today XX/XX/year> i verbally discontinued their services because they just kept taking money and havent actually done anything they promised, they told me I had to wait to talk to the closing XXXX which could take XXXX business days and its Thursday. A representative of Debt Rx contacted XXXX XXXX at XXXX, XXXX and XXXX after I verbally told a representative of Debt Rx XXXX discontinuing their services. I also want to mention prior to me telling them XXXX discontinuing my services, they warned me they were closing my account on a voicemail because of missed payments. I called the debt collection companies and confirmed that there has been no negotiations, and I wanted also to make it clear I have not signed off on any negotiations. A XXXX representative said they dont work with XXXX XXXX XXXX companies and the XXXX XXXX XXXX and XXXX XXXX there has never been any numbers discussed and they have been left on hold many times. I have paid a lot into this company, and they told me if I were to close with the debt XXXX and my credit card debt myself I would have to pay them 20 % of the negotiated amount within the year after discontinuing services. XXXX been paying fees for XXXX months. They have isolated me from actually contacting my debt XXXX, told me it would hurt the negotiations if I did. There has been no settlements and XXXX wont even accept settlements from Debt Rx. Ive tried ending contract with them in the past but they kept telling me I owe them if I negotiated my own debt and its cheaper just to use them. The contract says no fees until settlement but Ive been paying fees for XXXX months, even if it from my own savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I was checking my credit and found a collection account by the name of ability recovery services. I also saw a medical company listed as XXXX XXXX XXXX XXXX XXXX I contact them and requested information on the collection. I was in a XXXX accident in XXXX of XXXX. I have current and active insurance. just because, XXXX XXXX XXXX XXXX XXXX did not gather the correct information to submit to the insurance company is not the issues, the issues is they transferred me to 3 different companies to resolve the issue XXXX XXXX and XXXX XXXX XXXX. I requested information to show me the bill all three entities said the same thing they do not have any information that I owe any money. I decided to XXXX the source and found out that ability recovery service is a third-party collection agency and have reportted a collection to all three Bureau with absolutely no proof i owe this money. I did not sign any agreement or any contract with them. I requested proof of claim and they hang up on me. I know my rights its illegal to submit incorrect information to the credit bureau. I demand proof in any place i agreement to pay Ability recovery service any money, if they purchased the debt from XXXX XXXX XXXX XXXX XXXX then submit proof and show me where and how much they paid for the debt and demand proof not a bill from XXXX XXXX XXXX XXXX XXXX. I demand proof I owe them.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
My mother who had never co-signed anything for me was contacted by Jefferson Capital about a loan for me that I didn't even believe is mine. Her phone number should not be on anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 non-monetary relief