vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 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 am filing this complaint because Goldman Sachs Bank USA has repeatedly failed to properly investigate multiple fraud and billing error disputes on my Apple Card account over the past year. Despite numerous disputes, confirmations, and communications, Goldman Sachs has continued to deny my claims without providing any documentation or evidence supporting their decisions. I have multiple dispute case numbers dating back to XXXX, XXXX, XXXX, and XXXX. Each time, Goldman Sachs either issued a temporary credit and later reversed it, or denied the dispute outright with the same generic language : Our records indicate the transaction was authorized. At no point has Goldman Sachs provided : - Merchant records- Fraud investigation notes - Evidence that I authorized the transactions - Evidence that my device or identity was used - Any documentation supporting their verification This is a direct violation of the Fair Credit Billing Act ( FCBA ) and FCRA 623, which require a reasonable investigation and documentation when a consumer disputes unauthorized charges. My account now shows a balance of {$9100.00} on a {$5000.00} credit limit, which is mathematically impossible unless fraudulent charges were allowed to accumulate without proper investigation. Goldman Sachs repeatedly reversed temporary credits without providing any evidence or explanation beyond generic denial language. My account has been closed, yet Goldman Sachs continues to report an inflated balance and negative information to the credit bureaus. The bank has failed to provide any documentation showing how they verified the disputed transactions. I have emails confirming my disputes, including Apple Cash disputes with XXXX XXXX XXXX, showing a broader fraud pattern that Goldman Sachs ignored. My XX/XX/XXXX statement shows multiple DISPUTE REVERSAL transactions, proving that Goldman Sachs reversed credits without resolving the underlying fraud. The ongoing inaccurate reporting is causing severe harm to my credit profile and will continue to do so unless corrected. Violations : Goldman Sachs is in violation of : FCBA 161 failure to investigate billing errors FCBA 162 failure to provide documentation FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 623 ( a ) ( 2 ) failure to correct and update information FCRA 623 ( a ) ( 8 ) failure to conduct a reasonable investigation FCRA 607 ( b ) failure to ensure maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America offered me a balance transfer with 0 % interest for a 12 month period. Turns out, they only allocate the MINIMUM payment to the offer. However, BoA set the minimum so low as to ensure my balance could NEVER be paid off within the 12 month period. I called to try & make an extra payment & they said they couldn't ( or should I say wouldn't ) allocate any extra payment to the promo. They said theres nothing they can do. Why wouldn't they take the balance & divide it by XXXX? I always pay much more than the minimum, but ONLY the minimum is applied to the promo ensuring I could never get the promo paid off in time. I believe this is a scam. I'm sure I'm not the only person that they are quietly ripping off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: WI

Complaint narrative:
I am disputing this account reported by Credit Control , LLC on behalf of XXXX. I requested validation of this debt, including proof that I am legally responsible and documentation showing the amount owed. The company has not provided sufficient verification, such as a signed agreement or complete account records. The information reported appears incomplete and inaccurate. I am requesting proper validation of this account or its removal from 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 2026-04-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I disputed this account because it is being reported inaccurately. When I contacted Mariner Finance, I was told the account is no longer in-house, yet it continues to be reported and/or associated with me. There is no clear verification of the current owner, balance accuracy, or transfer details. This creates confusion and potential duplicate or improper reporting. I am requesting full validation of this account, including documentation showing ownership transfer, and correction or deletion if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota XXXX XXXX # XXXX License Plate : XXXX Ladies & Gentlemen, As of XX/XX/year> XXXX extended a apology and {$150.00} gift card to me with the promise that within XXXX business days the title of the vehicle will be released to us and that has not happened and on the contrary XXXX XXXX XXXX keeps rejecting all legal evidence of full satisfaction under chapter XXXX full payment completed plan and refuses illegally to relinquish the title. Kindly advise on what to do to escalate to secure the title on my vehicle that is dully and rightfully due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I hired a contractor, who I know and trusted, to do some work for me. I paid him in full via XXXX, and he promised to come back the next day to do the final finishes. The next day, the project began to fall apart and the contractor never came back. After making several promises to return to make repairs, he finally stopped answering my calls or responding to my texts. I went to my bank, PNC, for help, but they refuse to help because I authorized the transaction. XXXX, and the banks who allow XXXX transactions, are making it easy for consumers to be scammed and not doing enough to help people recover their money. They won't even investigate the legitimacy of the scam, they just tell you no because you authorized the payment. Scammers know this and more and more of them are taking advantage of unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: KS

Complaint narrative:
My spouse and I have recently divorced in an amicable manner. As part of the divorce, I agreed for her to keep the house, of which she is refinancing with a new mortgage company. Part of this process is my child/spousal support payments start after she closes on her new loan, which she has. I contacted PNC Mortgage to end of my existing automatic payment plan schedule- and as you can see from the attached .pdf, the service agent confirmed they did. ( see .pdf chat log " XXXXXXXX XXXX Thank you. I have removed the reoccurring payments moving forward '' ) However, when logging into my account ( image attached ), you can see the payment is still scheduled. I contacted customer service, again, and their agent said I needed to talk to a different mortgage agent. This seriously should not be this difficult ; the house goes to her, I agreed, the court agreed. All I'm trying to do is stop the existing automatic payment plan process, which they tell me they did, however my account does NOT reflect that it is stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, last four of my ss # is XXXX, my XXXX is XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following account are not mine. XXXX XXXX, Account Number : XXXX Please remove it from my credit report. The following account is not mine. XXXX XXXX, Account XXXX : XXXX. Please remove from my credit report. The following account not mine. XXXX XXXX, Account XXXX : XXXX. Please remove it from my credit report. The following account is not mine. Account XXXX : XXXX. Please remove it from my credit report. The following account is not mine. XXXX XXXX, Account XXXX : XXXX. Please remove it from my credit report. The following account is not mine. XXXX XXXX, Account XXXX : XXXX. Please remove it from my credit report. The following account is not mine. XXXX, Account XXXX : XXXX. Please remove it from my credit report. the following account is not mine. XXXX, Account XXXX : XXXX. Please remove it from my credit report. The following account is not mine. XXXXXXXX XXXX XXXX, Account Number : XXXX. Please remove it from my credit report. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: IL

Complaint narrative:
On XX/XX/XXXX I reached out to discover to dispute fraudulent Funimation charges on my credit card. They asked me if I contacted them or their new ownership ( crunchyroll/sony entertainment ) so I did. I disputed the charges with XXXX but they advised that per their company 's policy they can only charge back 1 year of payments but I have been charged twice for XXXX and they have been renaming the reoccurring charge confusing discover and myself. I already submitted a FTC complaint for Crunchyroll/funimation on XX/XX/XXXX and have not heard back from the FTC. I called discover again on XX/XX/XXXX and they advised they need XXXX buiesness days after a charge is canceled to dispute any further charges. So I called today and they told me theres no fraudulent charges and they can not help me. They reviewed my account and confirmed that I was being double charged from XXXX - XXXX and could not help since they had merged into XXXX XXXX. I still have funimation and double crunchyroll charges from XXXX even though on XXXX XX/XX/XXXX XXXX ceased services. I only recieced 1 year of refunds when I should have at least 2 years of refunds since funination ceased services on XX/XX/XXXX. I have followed the steps on XXXX website for disputing XXXX charges yet I still have charges that have not been refunded from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
I am submitting this complaint against Spring Oaks Capital LLC regarding a debt they claim I owe to XXXX XXXX in the amount of {$1000.00}. I previously disputed this debt and requested full validation including proof of authorization to collect, a copy of the original signed agreement, and an itemized account balance. The company failed to provide proper validation of this debt. Despite this, the account continues to be reported on my credit file as a collection. I am requesting this account be immediately deleted from all credit bureaus as the debt has not been properly validated as required under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by TrueAccord on behalf of XXXX XXXX. This account has recently appeared on my credit report, and I have not received any prior communication or documentation regarding this alleged debt. No validation has been provided to establish the validity of the debt, the account history, or the companys authority to report and collect. Despite the lack of documentation or prior notice, the account is being reported as a collection account with a balance. Without documentation supporting the validity and accuracy of this account, there is no basis for continued reporting. This complaint documents prior attempts to obtain validation and the companys failure to provide documentation while continuing to report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Contacted company about removing this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing a formal complaint against Citibank , N.A . regarding the sudden closure of my credit card accounts ending XXXX, XXXX, XXXX following what was described only as a security investigation. On XX/XX/year>, I received a letter from Citi stating that my account had been closed due to security concerns. No specific explanation or supporting details were provided. At the time of closure : * My accounts were in good standing * I had no late payments * I maintained consistent usage and payment history * I had planned to make payments of {$1000.00} toward each account to significantly reduce my balances Despite my responsible payment behavior, Citi closed my accounts without prior notice and without providing a meaningful explanation. This action has the potential to negatively impact my credit profile, including my credit utilization and overall creditworthiness. I believe this action is unfair and lacks transparency. As a consumer, I have the right to understand the reasons behind adverse actions that affect my credit. I am requesting the following : 1. A detailed explanation of the specific reason ( s ) for the account closure 2. A full review and reconsideration for reinstatement of my accounts 3. Assurance that no negative or misleading information is being reported to credit bureaus 4. Correction of any adverse credit reporting related to this closure I am fully willing to cooperate with any verification requests and provide documentation if needed. However, I can not address unspecified security concerns without clarity from Citi. This situation has caused financial and reputational concern, and I am requesting prompt resolution. Desired Resolution : * Reinstatement of accounts OR * Written explanation + correction of any negative credit 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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: SD

Complaint narrative:
I opened a US Bank XXXX XXXX ( and savings ) account for my LLC in response to a promotional offer requiring a {$25000.00} deposit for a {$1200.00} bonus. US Bank 's own system limits business checking deposits to {$5000.00} per transaction. Despite making deposits as quickly as the system would allow, I was unable to reach the {$25000.00} threshold within the promotional window because of this bank-imposed limitation. The {$1200.00} bonus was never paid. After determining the bonus would not be honored, along with other hurdles with their antiquated system, I decided I didn't want to be a customer of US Bank and I withdrew my funds and requested account closure. The first call ended after I was transferred and disconnected, the second hung up on, the third when the person couldn't understand English. US Bank then assessed a {$30.00} low-balance/maintenance fee on the account. I called customer service again to close the account and request the fee be waived, as I am actively trying to close the account and the fee was assessed during the closure process. The representative was unable to resolve either 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 monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
This loan is from XXXX. It's old and I have disputed for it to be removed from my account over and over again, and if still showing up on my credit report. It has kept me from getting a home loan, or any loan at that, it needs to be removed. i spoke with XXXX XXXX they are disputing it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Issue : Inconsistent application of SCRA/state law protections and failure to provide a cl ear basis for denial. Summary : I submitted a request for SCRA interest ra te protections on XX/XX/year> and provided documentation confirming my XXXX XXXX status. I followed up multiple times ( XX/XX/year> and XX/XX/year> ), including requesting consideration under Louisiana law, where I entered military service and maintain my Home of Record. The company has not applied the requested 6 % interest rate cap and has instead continued to request additional documentation without clearly identifying what is missing or providing a final determination. Key Concern : I am aware that similar requests from other servicemembers have been approved under comparable circumstances, including cases involving Louisiana Home of Record and XXXX XXXXXXXX status. However, my request has not been approved, and no clear explanation has been provided as to why my situation is being treated differently. Actions Taken : * XX/XX/year> : Initial SCRA request submitted with supporting documentation * XX/XX/year> : Company confirmed receipt and stated review process * XX/XX/year> : Follow-up submitted, including clarification of Louisiana state law applicability * XX/XX/year> : Company stated documentation was insufficient but did not clearly specify deficiencies Issue with Company Response : The company has not : * Clearly identified what documentation is missing * Provided a definitive approval or denial based on eligibility * Addressed the applicability of Louisiana law in their determination Requested Resolution : * Immediate review and application of the 6 % interest rate cap if eligible * Recalculation of account balances and refund/credit of excess interest * A clear written explanation of the eligibility determination * Clarification of how similar cases are being evaluated to ensure consistent application of the law All documentation was provided I am requesting that this matter be reviewed for both compliance with SCRA and fair, consistent treatment of servicemembers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation