vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I had an Apple Card and I had some problems with some transactions through my Apple payment, and those were never solved an address. All my disputes were returned. I had to pay. They also reduced my credit score. Then they close my account without my permission and I waited for years never opened me in another account and when I approached ask for the reason, they said it is suspicious activity and when I told them that is not enough information and I will try through legal passes they said we are documenting your threats. I dont think asking for my rights through legal way is a threat

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im sorry to waste your time but capital one wont actually communicate without me so this seems like the only option. This is regarding a checking and savings account with Capital One. I have been waiting over 3 months for my funds to be released. This complaint is separate from my prior complaint. This complaint is not about the substance of the investigation but about unfair business practices in how it is being conducted. I have been repeatedly given wrong information and timelines. The representative who replied to my prior complaint has not returned my voicemail or responded to my email, rather she just copy and pasted her initial response. The company has never volunteered any method of providing supporting documentation ( I had to uncover this myself ). Every time I call for an update the investigation team is never available. I do not believe Capital One is operating in good faith to expeditiously resolve this, I request a detailed status of the investigation and steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: FL

Complaint narrative:
I am filling a complaint because chime aloud someone to compromise my account and change my account info and lock me out of the account they even ordered a card with my name on it I am disputing multiple transactions done with card number ending in XXXX I never received this card. I have filed multiple disputed that have gotten denied most of the transactions are atm withdrawals resulting in thousands of dollars taken out of my account they keep saying there was no errors done and are refusing to reopen the claims and refund my money. They closed my account after I started disputing these transactions. I've went to the police department filed report I've even reported identity theft and also lock my credit with the 3 bureaus. Chime is being very misleading and one day I am told my disputes are still open while they are not even investigating the claims..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The information I received from Nelnets representative was misleading. Relying on this guidance, I made financial decisions that I believed were in my best interest. However, the accrual of interest during this period was not accurately explained to me. As a result, my loan balance has grown to an unmanageable level. Because I trusted the accuracy of Nelnets guidance, this misinformation has caused significant financial harm. My loan balance is now disproportionately higher than expected, not due to a lack of repayment on my part, but because of interest accumulation that was never clearly communicated. This misinformation has also extended the timeline for when my loans could have been forgiven or fully repaid. Had I been provided with accurate information, I would have made different decisions to remain on track toward repayment or forgiveness. Instead, I am now burdened with both a larger balance and a longer path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service International Corp
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to CREDIT SERVICE INTL XXXX My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving [ Collection Company Name ] owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect CREDIT SERVICE INTL XXXX to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have a medical condition that I take medication for I be sleep hours at a time instantly! A ex roommate stole my and another roommate info and card purchases food etc etc I explained this to PNC BANK they only gave me 2 out of 7 transaction back I explained I need to buy My medication and food to stay ALIVE twice they DENIED MY Being express wired I NEED MY MEDICATION TO STAY ALIVE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I called the collection agency XXXX settle a balance of {$280.00}. XXXX verbally agreed XXXX a pay-for-delete XXXX stated they would email a formal settlement letter within XXXX hours, or by the following day at the latest. The agency failed XXXX do so XXXX did not actually send the document until XX/XX/year>, XXXX days later. Because of this severe delay, I missed the email notification, XXXX the short XX/XX/year>, payment deadline passed. The letter I finally received ( dated XX/XX/year> ) explicitly promised that upon payment, the agency would " request that the XXXX XXXX XXXX remove the above-referenced from your credit report ''. On XX/XX/year>, I called the agency again XXXX ask if the payment deadline could simply be extended XXXX a later date. XXXX stated yes. However, instead of just updating the date, the agency issued a revised letter on XX/XX/year>, that completely altered the core terms. They stripped out the explicit deletion/removal clause XXXX substituted it with an ambiguous phrase stating they would " request that the Credit Reporting Agencies update their records accordingly ''. When called out on this discrepancy over the phone, representatives admitted they changed the language on purpose, claiming the first letter was just an " old template. '' This is a clear XXXX tactic. The agency used their own delayed delivery XXXX force a missed deadline, then tried XXXX trick me into paying under altered, punitive terms. I am ready XXXX pay the {$280.00} immediately. I request that the agency honor their original written agreement XXXX request removal of this tradeline upon payment, or that the account be deleted entirely due XXXX deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae has been advising me that I do not have many options. I have spoken to multiple representatives that have advised different options only to be told those options are not possible. I also have a recurring payment issue where the company kept charging me a " late fee '' after I accidentally paid twice. It is listed in the account as an " returned check charge '', this is all occurring while the account is on autopay. I asked for a promissory note to which I was advised to many different teams and could not be supplied the document. They also advised no repayment options based on income and when I was told the program I was currently apart of was income based, it was brought to light the program was a " interest based program ''. It was advised to me that a repayment option is not available until after the account is past due. These then created recurring late fees after the program was applied to the account with autopay and the account in good standing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I ask that this account be removed from my credit report immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the handling of fraudulent transactions involving my accounts with Cash App and XXXX XXXX XXXX XXXX. I was the victim of a sophisticated impersonation scam in which an individual contacted me by phone from a Vermont number and falsely identified himself as XXXX XXXX with the FDIC. The caller claimed that an unauthorized individual was attempting to access my XXXX XXXX account and that immediate action was required to protect my funds. The caller possessed a significant amount of my personal information, which made the communication appear legitimate. Under this false representation, I was instructed step-by-step to provide my XXXX XXXX online banking credentials and to follow specific instructions involving my Cash App account. Believing I was protecting my funds, I complied. As a result, two transactions were initiated totaling {$630.00} ( {$260.00} and {$370.00} ). After discovering the fraud, I immediately contacted XXXX XXXX XXXX XXXX. XXXX XXXX determined that the transactions were authorized because I initiated them and advised me to contact Cash App. I then contacted Cash App, which also classified the transactions as authorized and directed me back to my bank for resolution. Cash App additionally provided transaction identifiers, including reference to The XXXX XXXX, XXXX. and a XXXX XXXX XXXX, to assist in tracing the funds, which I provided to my bank. Despite this, both institutions ultimately denied my claim and referred me back to each other. My concern is not whether the transactions were technically initiated by me, but that they were the direct result of fraud, deception, and impersonation of a federal agency. I believe I was the victim of a social engineering scam, not a voluntary transfer of funds. I am requesting : 1 ) A review of whether the financial institutions appropriately investigated the fraud after it was reported. 2 ) An explanation of what investigative steps were taken after Cash App provided transaction tracing information ( including XXXX XXXX XXXX and routing details ). 3 ) Clarification of why this case was classified strictly as authorized without further fraud consideration. 4 ) Confirmation of whether any attempt was made to freeze, recover, or trace the funds once fraud was reported. 5 ) A review of whether the handling of this case aligns with consumer protection standards for fraud and impersonation scams. I respectfully request a full review of this matter and a detailed written response explaining the basis for the denial and the investigative actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company continues to call me after I have asked them 3 times to stop. The calls are constant and never ending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Claim number : XXXX Account ending : XXXX Date of denial letter : XX/XX/year> Chase denied my Reg E unauthorized transaction claim. Their denial letter states only that the transaction was 'processed according to information provided or was authorized ' this is conclusory and does not constitute a proper Reg E investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
This company requested an excessive amount of personal information, including my online banking login credentials. After completing the bank verification process and being informed that my loan was approved, I was suddenly told that my application was denied. Since then, I have been unable to contact the company, as my calls appear to be blocked, and I have not received any denial notice or explanation as required. I am extremely concerned about the handling of my personal and financial information. If this company attempts to withdraw funds from my account or otherwise misuses my information, I will pursue all available legal remedies, including filing complaints with the appropriate regulatory agencies and seeking legal action.

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 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This complaint is related to Complaint # XXXX. Comenity Bank refused to credit my account for all the fees and interest charges associated with the payment delivered to their payment address XX/XX/2026. The payment due date was XX/XX/2026. The payment was processed and posted to my account XX/XX/2026. The XXXX is using XX/XX/XXXX as the payment due date. The United States Postal Service mail tracking system shows my payment was delivered to the payment address on XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I ask that this account be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
COMPLAINT SUMMARY : Severe Record-Keeping Error & Direct ECOA Valuation Rule ( Regulation B ) Violation. I have an active Partial Release of Security application with my servicer, XXXX XXXX, to execute a county-approved lot split to sell 5 acres of my 11-acre property. The county commissioners, the buyers, and I have already signed and notarized the required XXXX XXXX, which is stalled solely awaiting the lender 's signature. I fully paid for a required property valuation appraisal. The XXXX XXXX XXXX ( XXXX ), XXXX XXXX, officially completed, uploaded, and filed this current appraisal report directly to XXXX XXXX on XX/XX/XXXX. Under the Equal Credit Opportunity Act ( ECOA ) Valuation Rule ( Regulation B, 12 CFR 1002.14 ), a lender is legally mandated to provide the borrower with a copy of all completed valuations promptly upon completion. XXXX XXXX has failed to provide this file. When I contacted their customer service desk to demand my copy, their system experienced a severe clerical error and emailed me an obsolete, useless appraisal report from XX/XX/XXXX, claiming it was the only file on record. Because XXXX XXXX is currently transferring my mortgage to XXXX XXXX XXXX XXXX, their customer service agents are completely ignoring the XX/XX/XXXX file that sits in their XXXX XXXX vendor portal. This administrative negligence is jeopardizing my pending land sale contract and preventing me from refinancing my remaining 6-acre home ( valued independently at {$520000.00} against my remaining loan balance ). DESIRED RESOLUTION : I demand that a corporate escalation supervisor immediately retrieve the correct, completed appraisal PDF filed by XXXX XXXX on XX/XX/XXXX, and email it directly to me so I can proceed with my refinance and record my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing an emergency complaint against Capital One for the unjust XXXX bad-faith withholding of fully verified funds. On XX/XX/2026, I deposited a physical check in the amount of {$67000.00} at a Capital One XXXX branch. Because of the large size of the deposit, Capital One placed a standard hold on the bulk of the funds ( {$60000.00} ), estimating availability by Friday, XX/XX/2026. However, Capital One went a step further XXXX initiated a manual verification process. Capital One branch staff explicitly spoke with both the paying/issuing bank XXXX my attorney XXXX verify the legitimacy of the check. The issuing bank officially cleared the transaction XXXX authorized the transfer, confirming XXXX Capital One that the funds are fully valid, present, XXXX free of fraud. I have explicit, recorded admissions from Capital One branch employees confirming that the funds have been successfully verified XXXX cleared by the receiving bank. Furthermore, the branch XXXX originally outlined the exact steps required for release, all of which have been fully met. Despite having absolute, verified proof from the issuing bank that this transaction is clear XXXX authentic, the branch XXXX has arbitrarily refused XXXX release the hold or override the automated system, offering conflicting statements XXXX acting in bad faith. Capital One is currently holding {$66000.00} of my money despite knowing with XXXX % certainty that the check is valid. This is causing severe financial distress. I request that Capital Ones corporate office immediately intervene, review the branch records XXXX employee admissions, XXXX manually release the holds on the remaining pending balances of {$6400.00} XXXX {$60000.00} today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received an email from Destiny Mastercard with the subject line : We have received your application! I did not apply for this credit card. It seems this may just be a catchy line and tactic similar to being pre-approved. Given our Information Age and the inevitability of our identities being compromised through data leaks- this is highly inappropriate. I thought a real application was sent by someone trying to impersonate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: OH

Complaint narrative:
Someone has fraudulently opened a capital one credit card in my name, Ive asked family members if they did it both of them said no. Im worried about more accounts being opened and my credit being destroyed or owing a lump sum of money.

Company response to consumer: Closed with explanation