vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am submitting this complaint regarding Goldman Sachs Bank USAs handling of a billing dispute for an Apple Card transaction. The dispute involves a transaction date d XX/XX/XXXX ( merchant : XXXX ) under dispute case XXXX. Goldman Sachs denied the dispute, stating only that the determination was made based on available information and that the transaction was considered authorized. However, no explanation or supporting documentation was provided identifying what specific evidence was relied upon in making that determination. Following the denial, I requested copies of the merchant-provided documentation and any materials relied upon in determining that the transaction was authorized. Instead of providing the requested materials, Goldman Sachs sent only copies of my billing statements, which do not contain any merchant evidence or investigation findings. Goldman Sachs then sent a letter stating that it had enclosed the documentation related to this investigation. However, the only materials provided were billing statements. No merchant-provided documentation, authorization records, or investigation findings were included. The letter further stated that Goldman Sachs is unable to provide additional details related to our internal fraud protocols. My request is not for internal systems or proprietary methods, but for the actual documentation and evidence relied upon in determining that the transaction was authorized. Goldman Sachs has not provided any such evidence. Additionally, a representative stated that they could not confirm or deny whether the merchant provided any evidence at all, raising concerns that the dispute determination may not have been supported by any verifiable documentation. Goldman Sachs also provided inconsistent and shifting timelines for when documentation would be delivered : XX/XX/XXXX XXXX business days XX/XX/XXXX XXXX business days XX/XX/XXXX 7 calendar days None of these deadlines were met. Under Regulation Z, 12 C.F.R. 1026.13, creditors are required to conduct a reasonable investigation of billing disputes and explain the basis for their determination. Despite denying my dispute, Goldman Sachs has not identified or produced the specific evidence relied upon. At this point, Goldman Sachs has : Denied the dispute without identifying the specific evidence relied upon Failed to provide merchant documentation or investigation materials Provided irrelevant documents ( billing statements ) instead of evidence Represented that documentation was provided when no actual supporting evidence was included Provided inconsistent timelines and failed to meet them Indicated uncertainty as to whether merchant evidence exists Relied on references to internal fraud protocols instead of producing evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: BILL.COM, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Bill.com ( www.bill.com ), a payment processing platform, for predatory business practices I experienced as a vendor receiving payment through their platform. SUMMARY OF ISSUES : 1. UNAUTHORIZED FEE TO RECEIVE PAYMENT I was required to pay a {$60.00} fee simply to access the Bill.com platform and receive a payment owed to me. This fee was not disclosed in advance. I am a vendor not a subscriber to their service and should not be charged to receive funds already in transit. 2. REPEATED AND REDUNDANT DOCUMENT REQUESTS Bill.com requested my LLC formation paperwork multiple times despite the documents being submitted in full. These repeated requests caused significant delays in receiving payment. Notably, I was paid through this same platform in XXXX with no documentation requirements whatsoever, suggesting these demands are inconsistently applied and used to delay disbursement. 3. REPEATED DELAY OF PAYMENT DELIVERY DATE A payment of {$1700.00} was processed on XX/XX/XXXX with an original arrival date of XX/XX/XXXX. The delivery date has since been pushed to XX/XX/XXXX, then XX/XX/XXXX, with no explanation provided. As of the date of this complaint, funds have not been received. These practices charging vendors to receive their own money, demanding redundant documentation, and repeatedly delaying disbursement constitute predatory and deceptive business conduct. I am requesting a full investigation into XXXX 's vendor payment practices. Supporting documentation including screenshots of payment status, fee charges, and documentation requests is available upon request. Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: LA

Complaint narrative:
There was a deposit made to a XXXX XXXX card by Social Security on XX/XX/XXXX. I did not have an open card with XXXX XXXX at the time. Supposedly XXXX XXXX returned the payment of {$1200.00} on XX/XX/XXXX. To date Social Security has NOT received these funds back and apparently no one at XXXX XXXX can track where the payment was returned to despite having a tracking number. I have numerous RECORDED telephone conversations as well as hand written notes of lies. I have been battling this since XX/XX/XXXX and here it is almost XX/XX/XXXX and no one can tell me where this money is. I NEED HELP. SOMEONE HAS TO BE ABLE TO TELL ME WHO I NEED TO SPEAK WITH. THERE IS NO WAY A PAYMENT CAN NOT BE TRACKED. I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi is charging fees for a disputed/fraudulent charge from ali express XXXX they eventually got the money back, although I was told over a month ago by XXXX they had the money and had not applied it to the account. Per : " Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1601 ) is the primary federal law protecting consumers against unfair credit billing practices, requiring creditors to investigate disputes within 90 days, acknowledge complaints within 30 days, and halt collection on disputed amounts. It covers credit card errors like unauthorized charges, incorrect amounts, and non-delivered items. '' The account still states : disputed amount will be removed but was not. Account information is inaccurate. They illegally charged fees for fraudulent charge and customer service is useless. Unable to speak to management of any kind or the investigator apparently handling matter. XXXX XXXX refused to allow me to speak to her supervisor or manager. She says they do not have to follow the fair credit billing act and it is my problem. I have now paid the extortion fees to citi and want the money returned.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Writ of Garnishment placed on account and dissolved by court order on XX/XX/year>. Multiple phone calls were made to customer service in order to get this resolved. Only told to call the creditor when a court order should be sufficient to release the funds and reinstate the account. Multiple escalations were made allegedly by the agent on the line and on the recent calls was told that because the account was suspended, the escalations did not go anywhere past an inbox to any sort of legal department or internal affairs. Emails were also sent and the automatic response is that these are not monitored. Funds have been held for almost a month with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was told to get a signing bonus for my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the handling of my unauthorized transaction dispute and the subsequent closure of my Cash App account. I reported multiple transactions on my account that were not authorized by me after my phone was stolen and my account was accessed without my permission. I promptly reported the incident and fully cooperated with the dispute process. During the investigation, Cash App determined that some of the disputed transactions were unauthorized and issued refunds in my favor. While I appreciate that those transactions were credited back to my account, several other transactions from the same incident were denied. Because all of the disputed transactions occurred during the same time period and under the same circumstances of unauthorized access, the partial denial is inconsistent and raises concerns about the accuracy and fairness of the investigation. Adding to the impact, Cash App subsequently closed my account, which has caused additional hardship and limited my ability to access funds. This action, combined with the partial denial of the dispute, has had a significant negative effect on me as a consumer. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected from liability for unauthorized electronic fund transfers when they report the incident promptly. I reported the unauthorized activity as soon as I became aware of it and did not authorize, initiate, or benefit from the transactions that were denied. I am requesting that Cash App conduct a thorough re-investigation of the denied transactions and provide a clear explanation of how the determination was made that some of a partial refund I also request that the remaining unauthorized transactions be refunded, as they occurred during the same account compromise that Cash App has already acknowledged through the refunds issued. Finally, I request that regulators review the closure of my account in connection with this incident, as it has exacerbated the impact of the unauthorized transactions and raises concerns about Cash Apps handling of consumer accounts following fraud reports. I respectfully ask for assistance in ensuring that this matter is reviewed fairly and in accordance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing , IncXXXX regarding an alleged debt for XXXXXXXX XXXX ( Account # XXXX ). This debt is inaccurate and disputed for the following reasons : The account contains incorrect identifying information, including the wrong apartment number. My correct address is Apartment 6i, not the unit listed in their records. I do not owe the amount being claimed. I am currently in an active dispute with XXXX XXXX regarding this balance. The collection agency is attempting to collect on a debt that has not been properly validated. This inaccurate information may also be reported to credit bureaus, which is a violation if not properly marked as disputed. I have requested full validation of the debt, including a signed lease and itemized charges, but have not received sufficient proof. I am requesting : Full validation of the debt Correction of all inaccurate information Cessation of collection activity until validation is provided Removal or correction of any credit reporting related to this account This matter involves potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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 2026-03-31 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: GA

Complaint narrative:
Issue : Credit card company denied a dispute without providing sufficient information to identify or verify the merchant. What happened : I disputed a {$56.00} charge dated XX/XX/year> described as Vehicle Registration XXXX XXXX, AL. The issuer denied the dispute solely on the basis that it was a chip transaction and asserted that I benefitted from the transaction. However, they failed to provide the merchants identity, location, or any documentation tying the charge to me. The only available phone number corresponds to a different jurisdiction, and the merchant can not be identified or contacted. Why this is a problem : A chip transaction does not prove authorization. Without merchant identification or supporting documentation, I can not verify or resolve the charge. The issuers investigation is incomplete and lacks sufficient evidence. Resolution requested : Either reverse the charge or provide full merchant identification and all supporting transaction data used in the determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I am filing a complaint regarding a collection account reported by Caine & Weiner that appears on my credit reports. The account is listed as opened on XX/XX/XXXX, and was recently updated again in XX/XX/XXXX. I have reason to believe this account is being reported inaccurately and/or in violation of the Fair Credit Reporting Act. Specifically : The account has been updated in a way that may misrepresent the status and timing of the debt. I am concerned that the account may have been improperly re-aged, which is prohibited under federal law. I have not been provided sufficient validation of this debt, including documentation showing I am legally obligated to pay it. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am requesting the following : Full validation of the alleged debt, including : The name of the original creditor The original account number A complete payment and balance history Documentation bearing my signature or proof of obligation Verification that the Date of First Delinquency is accurate and has not been altered. Immediate correction or deletion of this account from all credit reporting agencies if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
With Regard to XX/XX/year> complaint XXXX XXXXXXXX Property address : XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX Select Portfolio Servicing, Inc XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX Loan XXXX XXXXXXXX I made the complaint to get the refund which I have paid to property Tax office ( also I was paying property tax monthly with my mortgage payment ). So far I didnt Get any refund from SPS. Here with I am re sending all the documents I have sent to SPS with theres confirmation email I got from them still SPS keep on telling over the phone & complaint Reply letter, they Didnt get them. If look around we see there are financial institutions doing a frauds practicing dishonest business targeting elderly money. SPS JUST GOT MONEY & THEY DIDNT UTILIZE PROPERTY TAX OFFICE WHERE IT SUPPOSED TO GO. Also I was paying Every month my mortgage Including interest {$560.00}, But SPS didnt do Theres part honestly. They were ignoring my inquiries trying to put the problem under the shrug. SPS is a dishonest & unethical & strange financial company. XXXX XXXX XXXX Here with I am sending total XXXX Pages of relevant documents Also sending my calculations work sheet. Yet mortgage calculating is not my expertise, if theyre not agreeing with me they can send Theres one, I will checkout. According to my calculations I should get {$6900.00} Refund from SPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 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: TX

Complaint narrative:
I tried to make a money withdrawal on a XXXX XXXX XXXX ATM with my Chime card and it did not dispense the cash, they are not responding. It's been almost 2 months and I haven't received my money back it's recorded on the cameras, I got evicted because that was the rent money, I have XXXX XXXX with XXXX and no job, and they are refusing to release the funds. XX/XX/XXXX XXXXXXXX XXXX ATM reference number XXXX, XXXX XXXX XXXX has not responded to charge back and I need it immediately.

Company response to consumer: Closed with monetary relief