vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding late payment reporting by Santander Consumer USA on my auto loan account. During the past year, my credit report shows XXXX late payments reported by Santander. These late payments occurred during a period when I experienced temporary financial hardship. Since that time, I have brought the account current and have continued making my payments responsibly. The account is paid off. In good faith, I contacted Santander Consumer USA and requested a goodwill adjustment to remove the late payments from my credit report. I explained my circumstances and my otherwise positive payment history. However, the company responded that they do not offer goodwill adjustments and refused to review my request further. I understand creditors are not obligated to grant goodwill requests, but I am concerned that Santander refused to review the request or consider the circumstances, instead stating it is simply their policy not to make goodwill adjustments. I am requesting that Santander conduct a fair review of my account history and reconsider the reporting of these late payments, given that the account is now current and I have demonstrated responsible repayment behavior since the issue occurred. These late payment marks are significantly impacting my credit profile and ability to obtain financing, despite my efforts to correct the issue and maintain good standing on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv is reporting negative items on my credit report that already has been deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX XXXX, 2026 at XXXX PM I called Chase at XXXX specifically to ask how to upload documentation to support my dispute against XXXX ( Claim ID : XXXX ). I have carrier-verified phone records confirming this XXXX minute call. Chase representative told me it was unnecessary because XXXX would reimburse me within 4 days. Based on that advice I did not upload evidence at that time. Chase then ruled against me on XX/XX/year>2026 based solely on XXXX account without reviewing any evidence from me. This ruling was directly caused by chase representative discouraging my evidence submission. Critically, XXXX had already voided the {$2600.00} charge themselves and rebilled at the agreed amount of {$2400.00} this is visible directly in my Chase transaction history. Terminixs own XXXX XXXX XXXX XXXX confirmed the agreed amount was {$2400.00} in a written email dated XXXX XXXX, 2026. Chase is now attempting to add back {$2600.00} for a charge the merchant themselves already voided and corrected. I have since uploaded all supporting documentation to the dispute portal on XX/XX/year>. Account ending XXXX. Claim ID : XXXX. This would result in double payment to XXXX with an extra XXXX chase could keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
My cashapp account had been restricted for years because i went to a XXXX and the employees were playing around and charged me twice on accident, i report it on cashapp do get back the second duplicated transaction but they closed and banned my cashcard. So i started using cashapp to recieve money from friends and family when i was going through my hardship to pay for gas, food and renf, then this last time i used it to XXXX my rent money andnext time i logged in my card was closed, i reached out to customer support but they werent able to provide me any detailed information besides they suspected a violation of the policy but they did not tell me what exactly was violated so i can send my proof or whatever so it can show that they are in the wrong because i find it impossible to violate any policy when all i do is transfer money to and from my cashapp since they never helped me resolve my cashcard issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
NOTICE OF CLAIM AND DEMAND FOR RESOLUTION To XXXX XXXX and the Citibank Legal Department : This letter constitutes a formal pre-litigation settlement demand and notice of claim arising from the mishandling of funds and improper actions taken by Citibank related to my Citi Strata credit card account ending in XXXX. Your correspondence dated XX/XX/XXXX, issued in response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), acknowledges that Citibank improperly processed a credit balance refund of {$1800.00} to an unrelated XXXXXXXX XXXX account ending in XXXX. Critically, your letter confirms the following facts : Citibanks agent initiated the refund request on XX/XX/XXXX Citibank erroneously transmitted the funds to a bank account I do not control The funds cleared the unauthorized account on XX/XX/XXXX Citibank failed to correct the error for several months Citibank repeatedly denied responsibility and asserted no funds were owed Only after escalation to the CFPB did Citibank acknowledge its error and issue a corrective credit. These actions constituted gross negligence, failure of internal controls, and improper handling of consumer funds, which forced me to expend significant time, resources, and legal consultation in order to resolve a matter that was clearly the result of Citibanks own operational error.

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 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Glasser and Glasser, PLC
State: NC

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices and inaccurate credit reporting. I dispute the alleged debt in its entirety. I am exercising my rights under 12 CFR 1006.34 ( b ) ( 5 ), which requires a debt collector to clearly disclose my right to dispute the debt within 30 days and to request the name and address of the original creditor. I am formally disputing this debt and requesting full validation. Pursuant to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the validation notice must include a clear statement of the consumers right to dispute the debt and obtain verification. I request complete verification of the alleged debt, including : The name and address of the original creditor The itemized accounting of the amount claimed, including interest, fees, payments, and adjustments Documentation bearing my signature showing I am legally obligated Proof of the debt collectors authority to collect Under 12 CFR 1006.34 ( d ), collection activity must cease until proper validation is provided if a timely dispute is made. Therefore, you must stop all collection efforts until you provide proper verification as required by law. Additionally, under 15 USC 1681s-2 ( a ) of the Fair Credit Reporting Act, furnishers of information to consumer reporting agencies have a duty to provide accurate information and are prohibited from reporting information that is inaccurate or that they know or have reasonable cause to believe is inaccurate. If this debt has been reported to any credit reporting agency, I demand that it be marked as disputed immediately. If you can not verify the debt, you must delete it from all consumer reports. If you fail to comply with these federal requirements, you may be in violation of federal law. I am requesting : Full validation of the alleged debt Immediate cessation of collection activity until validation is provided Correction or deletion of any inaccurate credit reporting Written confirmation of your compliance Please respond in writing within the timeframe required by law. The creditor is Glasser and Glasser in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Hello, I am requesting a manual review and resolution regarding a cancelled transaction connected to my Affirm account. On XX/XX/2025, I placed an order with XXXX ( XXXX # XXXX ) using Affirm financing. XXXX subsequently cancelled the order, and their confirmation email states that the charge associated with the order was a temporary authorization that should drop off after cancellation. However, Affirms system created a loan totaling {$560.00}, and my account reflects that a {$140.00} down payment was charged with a remaining balance of {$420.00}. My bank statement shows the {$140.00} transaction posted on XX/XX/2025, and my Affirm account reflects this amount as Paid to date. Since the merchant cancelled the order and no goods were shipped, this loan should not remain active. Because the order was cancelled by XXXX, I respectfully request that Affirm : 1. Void the loan associated with this cancelled transaction, and 2. Refund the {$140.00} down payment to my original payment method. Please escalate this matter to the appropriate team for manual loan adjustment, as the order cancellation should result in the loan being voided. Thank you for your assistance in resolving this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I placed a fraud alert on my credit file out of an abundance of caution when reviewing my credit activity. The alert was associated with the application for my Capital One credit card account. After the alert was placed, Capital One restricted the account and later closed it for new transactions. However, the three major credit bureaus XXXX XXXX XXXX, and XXXX ) completed their investigations and verified that the account and application are legitimate and belong to me. Despite the verification that the account is valid and not fraudulent, Capital One has informed me that, according to their internal policy and terms and conditions, the account can not be reinstated for use. They are requiring me to continue paying the balance but are not allowing me to access the credit line or use the card. I believe this outcome is unreasonable given that the identity concern has already been resolved and the account has been confirmed as legitimate. I placed the fraud alert as a protective measure and not because the account was actually fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year> at exactly XXXXXXXX XXXX. in the morning I was at work in XXXX Nevada up on tracking my break to pay my bills I realized I lost my physical chime bank card. While at work someone took {$940.00} off my chime bank card can apply to XXXX brokerage. And exactly XXXX XXXX I contacted chime spoke with someone. He proceeded to close out my account and send out a new card. I did this with the hopes that they will be able to stop a pending transaction I later found out they could not I would have to dispute it as an unauthorized charge. I have disputed discharge over 15 times they have denied it all 15 times. I was reaching out to the merchant it took me almost two and a half weeks to get in contact with the actual physical person merchant they told me to contest the situation as unauthorized. So I reached out to chime and started the unauthorized claim with the paperwork from the merchant State and it's unauthorized even with the merchants stating that it's unauthorized child continues to say that it's authorized I have asked them for the name of the merchant the email the phone number that they spoken with. I also asked to speak to the people who makes the decision over chimes claims but for some reason I can't get an email and or phone number if they don't contact me by email I will never get to talk to him and they never have contacted me by email so I never got to talk to them. I have done everything I'm supposed to do but yet I still do not have my phone. The best outcome for this will be to get my money back and a little bit more for the wait and the games that they play with all the paperwork that I sent in. When I asked to see the paperwork that they received from the merchant they can't give me anything but a type that paper with bullet points but never no real hardcore evidence to back it up or any names or phone numbers or emails with people I can contact to verify upon contacting XXXX brokerage again I learned that they have not reached out at all during this whole time that it's been going on but they're saying they're doing investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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 use the Apple Card, run by the horrible greedy Goldman Sachs.... someone stole my number and charged things. We realized and got a new card and disputed the charges that weren't mine. They reversed all by one but would not tell me why not reverse the one -- it was not mine. I asked for proof that it was mine ( copy of charge -- proof sent to me, my signature etc ). I asked 4 times and they never did but would not remove the charge. This is a terrible horrible greedy credit card company. I know Goldman is getting sued and should be sued for this. Fraud on my account that is not my doing is their problem not mine. Why do i have to pay for something I did not purchase?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: IN

Complaint narrative:
I am disputing several accounts reported by Upgrade Inc and XXXX XXXX on my credit report. These accounts state that they were sold or transferred to XXXX XXXX XXXX and show a {$0.00} balance, yet they continue to report derogatory charge-off status and negative payment history. Because the accounts were sold to another lender, the continued reporting by the original creditor appears inaccurate and misleading. I am requesting that the reporting of these accounts be investigated and corrected or removed if the information can not be fully verified. Under the Fair Credit Reporting Act, information reported to the credit bureaus must be accurate and complete. I am requesting that these accounts be corrected or deleted if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax failed to investigate my written dispute regarding the XXXX XXXX XXXX account ending in XXXX. I mailed a dispute to Equifax on XX/XX/XXXX, and XXXX tracking confirms delivery. My dispute included full identity verification ( drivers license, Social Security card, lease, and utility bill ). Despite receiving my dispute, Equifax : did not log my dispute did not code it did not forward it to the furnisher did not conduct a reinvestigation did not add the required Notice of Dispute did not provide any reinvestigation results This is a direct violation of FCRA 611 ( a ) ( 1 ), 611 ( a ) ( 2 ), 611 ( a ) ( 6 ), 623 ( a ) ( 3 ) and XXXX Civil Code 1785.16 ( a ), ( b ), ( d ). Equifaxs own reporting confirms that no dispute notation exists, no ACDV was sent, and no reinvestigation codes or results were ever generated. This proves that no investigation occurred. Additionally, Equifax failed to forward my XX/XX/XXXX and XX/XX/XXXX disputes to XXXX XXXX, even though both disputes contained identity verification and required forwarding under the FCRA. Equifax also admitted in writing that it only sent a numeric code to the furnisher for my XX/XX/XXXX dispute and did not forward any of my evidence. This is not a lawful reinvestigation. Equifaxs reporting is also inconsistent with the other CRAs. Experian and TransUnion show different high credit amounts, different payment histories, and different metadata for the same XXXX XXXXXXXX account. These inconsistencies make the data unverifiable, requiring deletion under FCRA 611 ( a ) ( 5 ) ( A ). Equifaxs failure to investigate, failure to correct inaccurate information, and failure to provide required dispute results have caused credit denials and delays in obtaining financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Company Name : Affirm , Inc . Product : Personal loan / Buy now, pay later Issue : Incorrect exchange of funds/ Billing error Description : On XX/XX/year>, I initiated a transaction via XXXX for {$210.00}. Affirm incorrectly captured an {$88.00} deposit for what was intended to be a {$1.00} temporary hold ( Card ending in XXXX ). On XX/XX/year>, the merchant ( XXXX ) officially canceled the transaction ( Thread : XXXX ). I have provided Affirm with written proof of this cancellation from the merchant. Despite this, Affirm ( Case ID : XXXX ) has refused to void the transaction or return my {$88.00} deposit. Instead of resolving the error, Affirm representatives have repeatedly " stonewalled '' the process by demanding redundant phone calls for " verification, '' despite my communicating via my verified account email. Affirm has stated they intend to hold my funds until at least XX/XX/year>, which is an unauthorized retention of consumer capital. This is a direct violation of Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to investigate and resolve errors promptly upon notification. Affirm is knowingly holding funds for a canceled transaction and has refused to process the merchant-verified void. I am seeking an immediate refund of my {$88.00} deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$3000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$6100.00} I HAVE NO ACKNOWLEDGEMENT NOR CONSENT OF THESE UNAUTHORIZED, FRAUDULENT, AND INACCURATE ACCOUNTS. PLEASE DELETE AND REMOVE FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I changed my phone number recently to be a verified number on Santander. Both on mobile and web apps. Recently, I was shopping and tried to log in to unlock my card. The XXXX keeps getting sent to my regular number, and they told me there was nothing they can do unless I visit in person, even though I have access to all my records. So I don't have access to a single dollar I made from Friday 's check. I don't know what I'm going to do because I work during banking hours. I can't afford to wait till Monday to visit in person, I have multiple payments for today, and I need to transfer money for the week.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I placed an order for some clothing from a company that calls themselves XXXX XXXX XXXX There were two transactions made in the following amounts on the same day one for {$15.00}, and another for {$31.00}. I did not get a confirmation email for my order so I looked up the company and discovered that they are a fraudulent company that probably doesn't even exist. I made these transactions with my cash app card. I disputed the transaction and the dispute was denied. I appealed the denial and provided proof that the company is fraudulent and my appeal was denied as well and I was informed that there is nothing further that I can do so I just lost my money. That is not fair and should be illegal. Please help me as I am getting nowhere with cash app for these transactions.

Company response to consumer: Closed with explanation