vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint regarding the handling and closure of my * * Apple Card account, which was opened on XX/XX/year>. Immediately after receiving the card, legitimate purchases were repeatedly flagged as suspicious and restricted. Each time this occurred, I contacted customer support to verify that the transactions were authorized by me. Over the course of the week, I contacted customer service approximately XXXX times to confirm my identity and verify purchases. Despite repeatedly verifying that the activity was legitimate, the account continued to be restricted. Then, on XX/XX/year>, I received an email stating that my account had been closed for allegedly violating the cardmember agreement. This explanation is extremely concerning because none of the potential violations apply to my situation. I did not : Make illegal purchases Attempt cash advances or prohibited transactions Transfer debt or engage in balance transfer activity The only activity on the account consisted of normal consumer purchases, some of which were higher-value items and multiple transactions in a short period of time. However, each of these transactions was verified by me with customer service when restrictions occurred. Customer service representatives previously informed me that the activity would be reviewed and that verifying the transactions should resolve the restrictions. Instead, the account was closed without clear justification. Impact This action has negatively affected my credit profile, including : A credit inquiry associated with the application A recently opened account now closed shortly after approval Potential negative effects on my credit score This closure appears to have occurred despite repeated verification of legitimate activity, which raises concerns about the banks internal review and fraud verification procedures. I verified the transactions multiple times with customer service and relied on their assurance that the activity was legitimate. Closing the account afterward appears inconsistent with those representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
Per the borrowers defense email XX/XX/XXXX, What are the terms of the settlement for Post-Class Applicants? The Department of Education will apply the standards for borrower defense claims in the borrower defense regulations published by Department in XXXX to make a decision on your application no later than XX/XX/XXXX. If the Department decides you are eligible for a discharge, you will receive the discharge no later than one year after that decision. If the Department does not issue a decision by XX/XX/XXXX, you will receive a discharge of the federal student loans associated with your borrower defense application and a refund of any amounts paid to the Department on those federal student loans, and the credit tradeline for those loans will be deleted from your credit report. No decision has been made and my loans are still showing due creating a hardship for me on buying a home or a car.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing this complaint regarding Wells Fargos handling of a fraud dispute involving a {$2900.00} transaction from my account. I was the victim of a bank impersonation scam. Two individuals contacted me while claiming to be part of the Wells Fargo fraud department and instructed me to transfer funds in order to secure my account. Because I believed I was communicating with Wells Fargos fraud team, I followed the instructions that were given to me. After realizing that I had been deceived, I reported the incident to Wells Fargo promptly and opened a fraud dispute. I cooperated fully with the banks investigation. I believe the investigation was inadequate and failed to properly account for the fact that the transaction occurred as part of a scam. I did not knowingly authorize a legitimate transaction with the party involved and reported the incident as soon as I realized I had been deceived. I am requesting that Wells Fargo : -Conduct a thorough reconsideration of the fraud dispute. -Provide a detailed written explanation of the investigation and denial. -Reimburse the {$2900.00} lost as a result of this scam. Supporting documentation and verification may be obtained through the following reports : XXXX Police Department case number : XXXX Wells Fargo claim number : XXXX Federal Trade Commission case number : XXXX.

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 2026-03-08 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
My landlord just reported to me that they did not receive rent checks sent via XXXX that were processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2025. These checks were reported as cashed on the XXXX app. I have tried to request copies of these checks from XXXX and after spending over an hour trying to call their customer service, I was directed that I can only send an email and await a response, with no guidance about how long it will take for a response. I have tried to call the partner banks but Im told all interactions must go through XXXX. I can not proceed with any investigations until I have the copies of the checks and the banks affadavit to have my landlord sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/year> my financial aid was direct deposited into my chime account. I tried making XXXX transactions and both were declined, updated my phone number on account in order to login my account, tried sending a payment to someone I know and nothing said not available right now, so I thought maybe because I haven't used my card for a good XXXX months maybe my virtual cards weren't working so I went ahead and replaced new cards and new virtual numbers, then i wasn't able to retrieve my virtual card numbers anymore after that. I called that day spoke to representative and responded that the system will automatically in XXXX hrs will release the block on account and I will be able to use my account, waited till the next day and same thing it didn't work, so I called again and they told me the same thing wait another XXXX hrs for the system to update. I called numerous time and all was being done was to wait XXXX hrs for the system. XX/XX/year> XXXX XXXX. I called chime again told them the same issue and Im starting to grow inpatientiently, irritated, the fact that I have money in my account and im not able to access my funds for no good reason is ridiculous, I waited more than XXXX hrs and problem should have been solved already, I should already be able to use my account with no problem. The supervisor i spoke with was rude very unprofessional because she just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had preorder books from a vendor/business using Paypal as my means of payment processing. On XX/XX/XXXX I sent one payment of {$250.00} to the vendor a second payment was made to the same vendor of {$780.00} and a final payment made to the vendor on XX/XX/XXXX for {$230.00} As on XX/XX/XXXX the vendor has become unresponsive- all emails are returning as undeliverable. they have closed their XXXX XXXX and when I looked up their information with the Texas Comptroller the XXXX has been forced to close. When I reached out to Paypal- i was denied any assistance as the have a 180 window of protection and my first payment expire on XX/XX/XXXX. I provided them information showing how i am one of dozens effected by this company and also found that they have a new XXXX that as file shortly before the window of protection expired. They refused to help. And since part of my second payment was made using Paypal Funds Balance- i am unlikely to have assistance recovering the lost money. My claims needed to be filed individually and the XX/XX/XXXX and XX/XX/XXXX were close in seller favor within XXXX minutes of filing- the only reason they gave was the outside 180 window. When I asked to have it escalated or have a MANUAL DISPUTE REVIEW performed I was denied. I then asked to speak with a manager and was told that they were unable to send my call to one- that they would be making a note to have someone call me in 24 hours. I have doubts that this will be honored. I have never had to dispute before and the fact that using Paypal funds actually provides me less protection that if I processed with my bank is shocking to me. I have also filed a complaint against the vendor with the Texas attorney general as the vendor had created a new XXXX advertising the same goods and services previously. this new business was created only days before the 180 window of protection with the last communication for ANY individual associated with the company being in XX/XX/XXXX that did not have any indication that the goods will not be made and sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting this formal complaint regarding ongoing issues with accounts connected to Capital One. These issues span from approximately XXXX through XXXX and involve unauthorized accounts, improper account restrictions, misclassification of accounts as fraud, and delays in returning secured deposits. Unauthorized Accounts ( Approx. XXXX ) Around XXXX, several accounts were opened with Capital One without my authorization, including a checking account, a savings account, an unsecured Platinum credit card, and an unsecured XXXX credit card. In XXXX, I discovered these accounts and immediately disputed them with the credit reporting agencies : XXXX XXXX XXXX XXXX. I also contacted Capital One to report that the accounts had been opened without my knowledge or authorization. Despite these disputes and communications beginning in XXXX, the matter has not been fully resolved. Even though the credit card accounts were addressed as identity theft, I continue to encounter barriers when attempting to open banking accounts with Capital One. Recent Secured Credit Card Accounts XXXX Secured Account ending XXXX Opened : XX/XX/XXXX Restricted : XX/XX/XXXX Security Deposit : {$1000.00} Resolution / Refund Issued : XX/XX/XXXX This account was restricted the day after it was opened, immediately after the first purchase. I was told the restriction was related to income verification and was informed the issue would be resolved within approximately XXXX days. However, the restriction remained in place for nearly two months before my deposit was returned. XXXX Secured Account ending XXXX Opened : XX/XX/XXXX Closed by me : XX/XX/XXXX Refund Check Issued : XX/XX/XXXX Current Status : Account still shows as restricted. Although I closed the account myself, the account status still reflects a restriction. Platinum Secured Account This account was opened and then restricted within the same general time period as the XXXX secured accounts. Due to ongoing delays and unresolved restrictions, I was forced to close the account myself. After closure, the account was reportedly classified as fraud by Capital One even though I never reported fraud on that account. Pattern of Issues Across multiple secured accounts, a consistent pattern occurred : Account approval and security deposit submission Card issued and initial purchase made Immediate restriction placed on the account Resolution promised within approximately XXXX days Extended delays lasting weeks or months Eventual closure of the account and delayed return of deposits This repeated sequence has resulted in unnecessary delays, inconvenience, and prolonged holding of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: TekCollect Inc.
State: VA

Complaint narrative:
TEK-Collect has reported a {$590.00} charge-off on my credit report related to financing through XXXX XXXX XXXX for orthodontic services from XXXX. XXXX ceased operations and filed for bankruptcy in 2023, leaving many consumers without the treatment services that were originally contracted. Because the company shut down, the treatment associated with this financing agreement could not be completed as promised. Despite the failure to provide the contracted services, TEK-Collect is reporting a collection account. I dispute the accuracy and validity of this debt. The balance being reported is inaccurate because the underlying services tied to this financing agreement were not fully delivered. I request that the company provide proper verification of this debt, including documentation showing the services were completed, a full accounting of charges and payments, and proof that TEK-Collect has the legal authority to collect this debt on behalf of XXXX XXXX XXXX XXXX If the furnisher can not provide this verification, the account should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My aunt used my personal information to start this account. I lived in XXXXXXXX XXXX at the time this account was started.

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 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting a correction to inaccurate and incomplete credit reporting on my XXXX XXXX account. The account was placed into a hardship/assistance program after I contacted XXXX to dispute a sudden and significant interest rate increase. I was advised that the account would need to enter the program to freeze the interest rate. I agreed to the program and subsequently made payments toward settlement of the account from approximately XX/XX/year> through XX/XX/year>. The account was fully resolved and the balance is now {$0.00}. However, the tradeline currently reports the account as Charged Off with the full balance written off, and it does not reflect that payments were made toward settlement of the account. This reporting is incomplete and misleading because it implies that the entire balance was written off without payment, which is not accurate. A negotiated portion of the balance was paid and the remainder was settled. The current reporting is materially harming my ability to obtain financing for a small business startup and is causing significant delays with XXXX lenders. I respectfully request that XXXX correct the tradeline to accurately reflect the resolution of the account, such as : Paid Settlement or Paid after charge-off with a {$0.00} balance, and update the payment history to reflect the payments that were made toward the settlement. I can provide documentation of the payments and settlement if necessary. Thank you for reviewing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App closed my account and banned me for life with saying I violated terms of service and will not allow me to open a new account and I dont even know what terms of service I violated or how to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b'paypal has closed my account (XXXX XXXX) and has put a hold on the funds for XXXX days.i have gone over all the policies and i have not broken any rules, laws or policies that are applicable. everytime i call they just tell me that theres nothing they can do. i need help i cant even pay my rent or provide the inventory to run my business. tis is going to ruin my life .mi just got a XXXX day pay or quit notice because of this.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by American Express concerning a charge of {$1000.00} from a rental car company XXXX in XXXX / XXXX dated XX/XX/year> ( Case number XXXX ). I disputed this charge because the merchant failed to provide the vehicle that was specifically reserved and confirmed prior to my international travel. I had reserved a XXXX XXXX XXXX XXXX XXXX and confirmed its by phone XXXX hours before arrival. I spoke directly with the rental location at XXXX XXXX XXXX XXXX before our arrival. I was assured the vehicle would be available. Although it is written on the contract or similar vehicle. I wanted to know what car is available for us. They told me the car is waiting for you and they confirmed that the XXXX is available and ready for us. Upon arrival, I was informed that the reserved vehicle was not available. Instead, I was given a XXXX XXXX a XXXX XXXXXXXX. I did not want that car but had no choice, nothing else was available. Because the vehicle was classified by the merchant as a commercial vehicle, the prepaid insurance coverage I had purchased in advance was not honored. I was required to purchase additional insurance in order to receive any vehicle and put a large deposit triple the amount due to its class. After arriving XXXX, XXXX flights, my family and luggage, I had no reasonable alternative but to accept the vehicle and the additional insurance charge in order to continue our travel. we were on a way to a wedding and family reunion. I used my American Express card with the knowledge that I can always dispute and I am safe with them. On my return to the XXXX, I contacted AMEX and provided all the documents, letter with explanation. Despite this documentation, American Express denied my dispute based solely on documents signed at the rental counter ( which I had no choice ). Those documents were signed only as part of the rental process under circumstances where no reasonable alternative transportation was available. I did not want to sign but they did not want to give me a car without the signature. The additional insurance charge resulted directly from the merchants failure to provide the contracted passenger vehicle and the refusal to honor prepaid coverage. I am requesting that American Express conduct a fair review of the dispute and reconsider the decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I found a collection account on my credit report from Source Receivables Management for {$810.00}. The account says it was opened on XX/XX/year>. It appears to be tied to a XXXX account that I did not open. I never opened this account, never authorized anyone else to open it for me, and never used any service related to it. I do not owe this debt. As far as I can tell, this account was opened fraudulently using my information. This collection is being reported on my credit file even though I am not responsible for it. I am disputing the debt and want the company to investigate how the account was opened and who opened it. I also want them to provide whatever records they have showing that I personally opened or authorized the account. If they can not show that I opened it, then this collection should be removed from my credit report and collection efforts should stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I won the lawsuit with prejudice for LVNV a few years ago. Its been more than 4 years now, the creditor ( i.e. LVNV ) still reported this debt under my credit report. It's still damaging my credit score and profile. Requesting this to be removed and should be no longer shown my account at all for future. Please stop reporting I'm still owing this debt which I was determined this debt didn't belong to me by court with court order.

Company response to consumer: Closed with explanation