vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$22.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2026-04-08 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$22.00}. Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding improper escrow management and force-placed insurance on my mortgage account. My mortgage servicer collected escrow funds designated for homeowners insurance. Despite this, my long-standing insurance policy ( 17 years with XXXX XXXX ) was allowed to lapse due to the servicers failure to make payment. In XX/XX/year>, during a recorded three-way call with the servicer and XXXX XXXX XXXX the servicer admitted that they failed to pay the insurance premium. Following this error, I was placed on lender-placed insurance at a significantly higher cost ( approximately 250 % higher ), which has created financial hardship. I have already submitted Notices of Error, but no corrective action has been taken. I was recently informed that this lender-placed insurance policy will begin on XX/XX/XXXX, along with a substantial increase in my monthly payment due to the higher premium. This is causing immediate and ongoing financial harm, especially given that the lapse in coverage was caused by the servicers failure to properly manage escrow funds. I am requesting : 1. Immediate correction of escrow errors 2. Removal of force-placed insurance before XX/XX/XXXX XXXX. Reimbursement or credit for all overcharges 4. Confirmation that my proper homeowners insurance is reinstated This issue is urgent and remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Subject : Request for Reinvestigation and Merchant Evidence Unauthorized Charges from XXXX related to complaint ID XXXX I am submitting this followup complaint because Goldman Sachs did not provide the required evidence supporting their decision to deny my dispute of multiple unauthorized transactions labeled BN_Online_Services. Their previous response was incomplete and did not address the core issues. I am requesting a Regulation Z reinvestigation and disclosure of the merchant evidence used to deny my dispute. 1. I did not authorize any transactions from XXXX I have never knowingly used any service associated with this descriptor. These transactions were not made by me, nor by anyone I authorized. 2. Goldman Sachs has not identified the merchant. The descriptor XXXX does not identify a clear merchant. Goldman Sachs has refused to disclose : the merchants full legal business name the merchants contact information the merchant category code ( XXXX ) the nature of the goods/services allegedly purchased Without this information, I can not verify or validate the legitimacy of the charges. 3. I am requesting the evidence Goldman Sachs relied on to deny my dispute. Under Regulation Z and CFPB guidelines, I am entitled to the documentation used to determine that these transactions were authorized. I am specifically requesting : the email address associated with the merchant account the timestamp and method of authentication any merchantprovided proof of delivery or digital fulfillment the merchants full legal name behind the descriptor XXXX the merchants acquiring bank the merchants response to the dispute Goldman Sachs has not provided any of this information. 4. The banks explanation of no unauthorized takeover is insufficient. Goldman Sachs stated that they found no unauthorized takeover, but provided no evidence supporting this conclusion. A statement without supporting documentation does not satisfy their obligations under Regulation Z. 5. Account closure does not resolve the dispute. Goldman Sachs closed my Apple Card account citing unspecified red flags, but refused to explain what those red flags were. Account closure does not eliminate their responsibility to properly investigate unauthorized transactions. 6. I am requesting CFPB assistance to compel a proper investigation. I am asking the CFPB to require Goldman Sachs to : 1. Conduct a Regulation Z reinvestigation 2. Provide the merchants full legal identity 3. Provide the evidence used to deny my dispute 4. Provide the authentication logs associated with the transactions 5. Explain the red flags that led to account closure 6. Provide a clear justification for reversing the provisional credits Until Goldman Sachs provides the above information, their investigation is incomplete. Thank you for your assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PatientFi, Inc.
State: CA

Complaint narrative:
I opened a PatientFi account in XX/XX/year> and enrolled in autopay at account opening. Despite autopay enrollment, PatientFi began reporting my account as late starting in XX/XX/year>. I called PatientFi three times to report the autopay system failure. Each time I was told the issue was noted, but nothing was corrected and the late payments continued to be reported to the three credit bureaus. PatientFi 's own autopay system failed to process my scheduled payments, yet they have reported those months as late inaccurate reporting under FCRA 623 and California Civil Code 1785.25 ( a ). I have now sent a formal written dispute directly to PatientFi and to all three bureaus. As of this filing, PatientFi has not corrected the reporting. I am requesting CFPB intervention to ensure PatientFi conducts a legitimate investigation and corrects the inaccurate late payment notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear sir, I would like to report the suspicious account movement of my credit card of Bank of America which headquarter situates at XXXX XXXX XXXX XXXX, XXXX, XXXX. On XX/XX/year>, I purchased the grocery at the XXXX # XXXX, XXXX NJ amounted {$85.00}. I found out one processed charge of this amount yesterday and another same amounted charge by the same shop on the same date still processing. Therefore, the suspicious movement happened on the credit card transactions on the day of XX/XX/year> which happened a few years ago on the purchase at the XXXX. I ask the authority to investigate the matter of this illegal transaction for the security of my credit card that would not lead another identity theft and life-threatening incidents happened like chains after the frauds related to the credit cards in the past.

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 2026-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased an adjustable mattress from XXXX for {$550.00}. The mattress was defective and stopped functioning, so I initiated a return in XX/XX/XXXX. Due to the size of the item, XXXX arranged for a freight XXXX to retrieve it. The pickup was completed on XX/XX/XXXX, which I can confirm with security footage from my home. Simultaneously, I filed a dispute with Citibank. In XX/XX/XXXX, Citibank notified me that XXXX had disputed my claim and reversed the credit, resulting in a charge of {$550.00} to my account. I promptly submitted evidence to Citibank, including the security video confirming the freight carrier 's pickup, but received no response. In XX/XX/XXXX, I contacted XXXX 's customer service directly. A representative confirmed that a refund would be issued within 710 business days. No refund was received. When I followed up in XX/XX/XXXX, I was told the item had never arrived at the returns facility. I then contacted the freight carrier directly, and they confirmed the item had been successfully returned to the warehouse. When I contacted XXXX again in XX/XX/XXXX, I was told that too much time had passed and that they were unable to process a refund. That same month, I contacted Citibank to reopen the dispute and submitted additional documentation confirming the item 's successful return to the warehouse. Citibank has also declined to assist, citing the passage of time. To date, I have not received a refund of {$550.00} for an item that was confirmed returned by both security footage and the freight carrier. I am seeking a full refund of {$550.00}.

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 2026-04-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
Statement has been documented over communication, but would like to upload evidence of possible miscommunication, abandoment, despair, coecion, and bases to prevent Federal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Klarna AB
State: RI

Complaint narrative:
# XXXX I discovered that a Klarna financing account had been opened using my personal information without my knowledge or consent. The account included transactions that I did not authorize. I immediately contacted Klarna to report the fraud and requested an investigation. I informed them that I am a victim of identity theft and that the Social Security Number associated with the account does not belong to me. I provided supporting documentation, including a police report and identity theft report, and requested that the account be removed and marked as fraudulent. Despite this, Klarna denied my claim and stated that the account was valid, and they are attempting to hold me responsible for the balance. I am disputing this account because it was opened fraudulently, and I am requesting that it be removed immediately and that no negative reporting be made to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I received a promotional offer from Goldman Sachs stating that I would receive a {$1500.00} bonus if I deposited {$100000.00} into a savings account and maintained that balance for three months. Relying on this representation, I deposited {$100000.00} and maintained the required balance in full compliance with the stated terms. On XX/XX/year>, I contacted Goldman Sachs to confirm the bonus timeline and was informed for the first time that I was ineligible because I did not complete an additional enrollment step at the time of deposit. This requirement was not clearly, conspicuously, or transparently disclosed at any point when I received or acted on the offer. This is materially misleading and constitutes a bait-and-switch practice. The promotion induced me to transfer a substantial amount of funds under terms that were not fully or clearly presented. Had this condition been properly disclosed, I would have either complied or declined the offer entirely. I requested escalation, but the issue was dismissed without meaningful review. As a result of this deceptive experience, I withdrew my funds from the account. I am requesting that Goldman Sachs honor the {$1500.00} promotional bonus. At a minimum, this matter warrants corrective action due to the failure to clearly disclose material terms required for eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/year>, creditor company responded to my filed complaint. Stating the debt does not belong to them. However, This information is inaccurately reported on my credot report & I am requesting IMMEDIATE DELETION without further notice upon this investigation due to them not willing & able to show proof of verification or validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo failed to provide account statements and blocked my online access from XX/XX/year> through XX/XX/year>. Despite having my valid mailing address on file, the bank did not send paper statements as a backup when email communication was said to have failed on XX/XX/year>, and XX/XX/year>. This failure prevented me from accessing my accounts online, reviewing balances, scanning checks, and managing funds. Statements only resumed after I filed a BBB complaint. Wells Fargo did not specify which email address ( es ) caused the delivery failure in their previous CFPB response. Why this is problematic : I filed a fraud report with local Plains police in XX/XX/year> after discovering someone attempted to use my personal information, including a XXXX in my name, in what seems to be an attempt at ordering and shipping items out-of-state. I received multiple 2025 data breach letters and noticed an address on my credit report I did not personally use to open accounts. A credit bureau provided data indicating possible prior use of another name/address. Because I could not access my account, I was unable to : Use funds to repair my car Obtain life-sustaining medications Access full account details for ongoing financial management Set up new 2-factor authentication Obtain a new phone line linked to account security This caused significant financial disruption, time lost, and missed opportunities. Potential Violations : Based on these facts, I believe Wells Fargo may have violated : Failure to provide periodic statements under account agreements/ federal banking regulations Denial of account access Failure to provide account notices after communication failures

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am filing this complaint against Early Warning Services , LLC for reporting inaccurate, unverifiable, and damaging banking information that is preventing me from opening a bank account and accessing basic financial services. Early Warning Services is currently reporting multiple accounts and alleged negative events that I dispute as inaccurate, incomplete, misleading, and/or improperly verified under the Fair Credit Reporting Act ( FCRA ). Early Warning Services is reporting a Checking Account Fraud allegation connected to : XXXX ( Routing : XXXX, Account : XXXX ) Reported incident date : XX/XX/year> Status : Unpaid I dispute this entirely. This allegation is severely damaging and has resulted in denial of banking services. Early Warning Services has failed to provide sufficient evidence that this claim was properly investigated or verified. The following accounts are also being reported and are disputed due to inaccuracies, inconsistencies, or lack of proper validation : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX XXXX Bank Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX Account # : XXXX Account # : XXXX XXXX XXXX Account # : XXXX Additional Reported Account ( Scored Activity ) Account # : XXXX Early Warning Services is in violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i : Failure to properly investigate disputed information Reporting unverifiable or misleading information that is preventing access to financial services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I have been receiving multiple phone calls from medicredit to pay when I have made arrangements to pay {$25.00} x months. Amount they are not happy about because it will take me 0ver 10 years to pay but it is what I can afford at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Am seeing a charge for {$2900.00} I did not apply for that loan and would like if you could take the time to look into this account please. I also have an account with capital one bank for an out standing balance of {$5000.00} my ex-husband took out that account I have been paying for some time now but am frustrated is there anything that can be done protaining to that account.please if you can assist me let me know thank you. XXXX XXXX

Company response to consumer: Closed with explanation