vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Onset Financial, Inc.
State: FL

Complaint narrative:
This complaint is a continuation of unresolved CFPB Case ID : XXXX, filed on XX/XX/XXXX, against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( coordinated ) regarding Loan # XXXX. In that complaint, I documented that I accepted a short-term bridge loan under the verbal assurance from XXXX that XXXX {$15000.00} in interest would be forgiven upon funding of my XXXX loan XXXX The XXXX loan progressed to underwriting and was approved, but was ultimately closed without a formal denial letter or explanation due to circumstances outside my control including a XXXX hurricane disruption affecting a required insurance document in Florida, and delays caused by a terminated accountant. I submitted all required documentation including XXXX and XXXX tax returns, YTD financials, and a signed debt schedule. I paid off the bridge loan in full to protect my credit, while simultaneously attempting to resolve the interest forgiveness issue directly with both XXXX and XXXX XXXX XXXX. Both companies were non-responsive to multiple written requests prior to the CFPB complaint being filed. Following the filing of Case XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Default Management ) responded on XX/XX/XXXX, stating they found " no support for the allegations '' and would " look to contact the customer. '' They then informed me they could only communicate through the CFPB effectively cutting off direct resolution and provided no further contact. The CFPB closed the case as " XXXX Responded, '' but no resolution, refund, credit, or substantive explanation was ever provided. The company 's CFPB response contained no documentation, no denial of the verbal agreement, and no explanation for the XXXX loan closure. It was a blanket dismissal used to close the regulatory complaint without addressing the underlying issue. I also formally disclosed an XXXX XXXX ( ADHD ) and requested written accommodations in multiple emails. This was acknowledged but never addressed. Since the case closed, I have received no contact from XXXX XXXX XXXX or XXXX despite their stated intention to reach out. The $ XXXX in interest remains unrefunded, and I have no written explanation for the XXXX XXXX denial after a XXXX process that reached underwriting approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This account is being reported with multiple inaccuracies and inconsistencies in violation of the Fair Credit Reporting Act. First, the account lists terms as 281 months, which is not applicable to a collection account and is factually incorrect. This alone calls into question the reliability of the entire reporting. Second, the account status states it is past due as of XX/XX/XXXX, yet the status updated field shows XX/XX/XXXX. This is inconsistent and misleading reporting. Third, the payment history reflects continuous monthly collection activity ( C ) across multiple years, which appears to be improper re-aging and creates a misleading impression of ongoing delinquency. Additionally, the reporting lacks sufficient validation. There is no documentation provided showing a contractual obligation between myself and the original creditor, nor any proof that the reporting agency has legal authority or ownership of this alleged debt. Due to these inaccuracies and failure to properly validate the debt, I am requesting : Immediate deletion of this account from my credit report Full documentation supporting the validity of this debt, including original contract and chain of assignment Correction of all inaccurate reporting if the account is not deleted If these issues are not resolved, I am prepared to pursue further action for violations under the FCRA and FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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:
Complaint Against Goldman Sachs Bank USA ( Apple Card Dispute Handling ) I am filing this complaint regarding the mishandling of an ongoing billing dispute by Goldman Sachs related to my Apple Card account. This dispute concerns a transaction in the amount of {$2200.00} for an order placed with a merchant that I did not receive. I initially disputed this charge in good faith after making multiple attempts to resolve the issue directly with the merchant. Since opening the dispute, I have now had to reopen the case approximately XXXX times. Each time, I have provided the same supporting evidence : direct email correspondence between myself and the merchant, clearly showing that I notified them multiple times that I never received the full order and requested assistance. The merchant failed to resolve the issue and did not provide a satisfactory outcome. Despite this, Goldman Sachs has repeatedly : Closed the dispute in the merchants favor Relied solely on tracking information indicating delivered, without addressing my claim of non-receipt Failed to meaningfully review or acknowledge the evidence I submitted Required me to repeatedly reopen the same dispute without resolving the underlying issue I do not have additional evidence beyond my documented communications with the merchant, but these communications clearly establish that : I reported the issue promptly I attempted to resolve the matter directly The merchant failed to provide adequate support or resolution This has resulted in an ongoing cycle of reopening the dispute, resubmitting the same documentation, and receiving the same outcome without proper consideration. Additionally, this reflects a broader pattern of poor dispute handling I have experienced with Goldman Sachs, including lack of responsiveness and failure to properly evaluate submitted evidence. At this point, I am requesting that : XXXX. This dispute be fully and fairly reviewed by Goldman Sachs with proper consideration of the evidence provided XXXX. The repeated closures without adequate investigation be addressed XXXX. A final resolution be issued so I am not forced to continue reopening the same claim I am seeking a permanent resolution of this matter and accountability for the handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Cypress Creek Financial, LLC
State: KS

Complaint narrative:
I received a line of credit for XXXX ( annual interest rate XXXX % ) on XX/XX/XXXX. Between XXXX XXXX I continuously tried to log onto the site to repay my loan due to the high interest to prevent my balance from being too high. The website said that my information was not recognized. So I called to make a payment but was told that I can not make a payment until the statement was generated. I continued to ask why and the representative gave no clear answer. On XX/XX/2026 I received a digital statement with a balance of XXXX I believe that this business doesnt allow you to make payments even when you call in and delays your statement in order to cause your account balance to be extremely high. Ive never had a loan or line of credit that did not allow me to pay off my balance early. I believe they also took advantage of the fact that I am a XXXX Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against LVNV Funding for reporting and attempting to collect a debt that has not been properly validated. I previously disputed this account and requested full validation, including a signed agreement, account-level documentation, and proof of ownership of the alleged debt. Despite my request, LVNV Funding has failed to provide sufficient validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, this account continues to be reported on my credit reports with inaccurate and unverified information, which is a violation of the Fair Credit Reporting Act ( FCRA ). I have made a good faith effort to resolve this matter directly with the company, but they have not responded adequately or provided the requested documentation. Due to their failure to validate the debt and continued reporting of inaccurate information, I dispute the validity of this account and assert that it is not owed. I am requesting that LVNV Funding immediately : Provide proper validation of this alleged debt, including original creditor information and a signed agreement, OR Permanently delete this account from all credit reporting agencies If they are unable to validate this debt, they must cease all collection activity and remove all related information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am disputing the account for RADIUS GLOBAL SOLUTION ( Acct # XXXX ). This debt was previously handled by XXXX XXXX XXXX ( XXXX XXXX : XXXX ) for the same original creditor XXXX XXXX XXXX XXXX ). On XX/XX/year>, XXXX confirmed via CFPB Complaint XXXX that the account was RECALLED, CLOSED, and DELETED. Radius Global Solution is now reporting an inaccurate balance of {$680.00} in violation of 15 U.S.C. 1681s-2 and 15 U.S.C. 1692e.

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 2026-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines, P.C is a collection agency hired by XXXX XXXX Bank to try to force me to pay them money for an account # XXXX that was charged off and paid in full. The company as willfully, deliberately and maliciously continued its harassment and acting in bad faith in direct and clear violation of consumer financial protection act, fair credit reporting act and fair debt collection practices act. I have repeatably informed the company to stop all communications, but they continue none the less.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been getting repetitive repetitive transactions that was not authorized by me on Chase and have been reporting it as fraud. They would be in large amounts and was being sent on another app, which was XXXX XXXX One amount was for XXXX, the next amount was for XXXX, and then another for XXXX. These transactions all took place on XX/XX/XXXX. I feel as if Chase did not properly take action to dispute these charge, as they gave closed it after even getting multiple new cards and calling about these charges. I have called XXXX XXXX myself to confirm if my card was on file or any account and they have confirmed themselves that it wasnt so Chase is the only reason reasonable branch to talk with when it comes to handling these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
I am filing a complaint against Current regarding the improper closure of my account and the withholding of my funds. Current instructed me to update my address by a specific deadline. I complied with this request and updated my address before the deadline. I also contacted their support team and was informed that my account was compliant and up to date. Despite this, my account was later closed for the stated reason that I failed to update my address, which is incorrect. I contacted Current to dispute this and requested copies of all chat transcripts and records related to my account. I have only received an automated response and have not been provided the requested information. As a result of this closure, approximately {$3000.00} of my funds are currently being held, and I have been told I must wait up to XXXX days to receive a check. I have multiple bills due within the next XXXX days, and this situation is causing imminent risk of financial harm, including late fees and potential credit damage. I am requesting the following : - A full review of the account closure decision - Copies of all chat transcripts and internal records related to my account - Reimbursement for any late fees, penalties, or damages caused by this situation - A clear explanation of how the decision to close my account was made despite my compliance I believe this situation is the result of an error and lack of proper review by Current. This issue is time-sensitive as I have multiple payments due within the next XXXX days and do not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DISPUTE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DID NOT AUTHORIZE OR ENGAGE IN THESE ACCOUNTS.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I am filing a complaint against Transworld Systems Inc and XXXX regarding inaccurate and unverified information being reported on my credit report. I disputed an account reported by Transworld Systems Inc with XXXX. The account continues to be marked as verified and updated, yet no documentation has been provided to support the accuracy of this account. I have requested validation directly from the furnisher, including the original signed agreement, chain of assignment, and date of first delinquency. To date, this information has not been provided. XXXX has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). Instead, they appear to rely solely on automated responses from the furnisher without reviewing actual documentation. Additionally, the failure to provide the Date of First Delinquency raises concerns about improper reporting and potential violations of FCRA 605 ( c ). I am requesting : Immediate deletion of this account from my credit report Documentation showing how this account was verified Investigation into Transworld Systems Inc for furnishing unverified information This matter has caused ongoing harm to my creditworthiness. If not resolved, I will pursue further legal remedies for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am writing to report deceptive marketing practices by SoFi Bank regarding their " XXXX XXXX '' subscription service and the associated XXXX Credit Card. As of XX/XX/year>, XXXX has implemented a $ 10 monthly ( {$120.00} annual ) fee for " SoFi XXXX '' benefits. To encourage enrollment, SoFi uses an " Annual Value '' calculator on their website that I believe intentionally misleads consumers about the actual financial benefit of the subscription. Specifically, the calculator ( see attached screenshot ) includes the total interest earned on a savings balance as a " SoFi XXXX XXXX XXXX. '' For a {$10000.00} balance, it claims {$450.00} in " value. '' This is deceptive because : Market Standards : XXXX % APY is a standard market rate currently available for free at numerous other financial institutions. SoFi frames the entire interest yield as a benefit granted by the subscription, rather than comparing it to their own lower non-subscription rate or the market average. Net Loss Masking : By inflating the " Annual Value '' with interest the consumer would likely earn elsewhere for free, SoFi masks the fact that for many usersincluding those spending $ XXXX on the credit cardthe {$120.00} annual fee actually results in a net financial loss. Credit Card " Boost '' Confusion : The calculator emphasizes a " XXXX % boost '' on credit card rewards. This phrasing is likely to lead a reasonable consumer to believe they are receiving a significant percentage back on their spending, when in reality, it is a XXXX % increase on the rewards earned ( e.g., increasing a XXXX % rate to XXXX % ). This marketing strategy creates a " net impression '' that the $ XXXX/month fee is easily recouped, when the math relies on including standard interest yields that are not unique to this paid service. I believe this violates the CFPA 's prohibition on deceptive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Applied to leave XXXX forberance and switch to a new XXXX plan on XX/XX/year>. Proceeded to receive numerous documents that contained incorrect information. Received letters stating incorrect repayment amount showing prior SAVE payment, as well as stating repayment would start XX/XX/year>. This was followed by letters stating repayment would not start until XX/XX/year>, while their website still shows XX/XX/year> for my forbearance ending. Additional letter received still showing SAVE repayment amount. Why is MOHELA instantly sending inaccurate information when they also sent a letter stating they are processing my new XXXX application request? This is massively confusing.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Complaint Summary : Bridgecrest is reporting an account ending in XXXX as both a chargeoff and a repossession, which is contradictory, inaccurate, and misleading. Bridgecrest has failed to provide verification of the repossession details, auction information, deficiency balance, or chargeoff accuracy. This violates 15 U.S.C. 1681e ( b ) and 1681s2 ( b ). I am requesting deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation