vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: PR

Complaint narrative:
I am filing a formal complaint against Goldman Sachs Bank USA for its negligent handling of my billing dispute ( Dispute No. XXXX ) for a charge of {$250.00} made on XX/XX/year>, and to report the abusive and unlawful practices of the merchant, " XXXX. '' Despite providing clear evidence that the cancellation deadline in question fell on a non-business day, Goldman Sachs has ruled in favor of the merchant for a third time, disregarding standard legal consumer protections. The bank is failing to acknowledge time-calculation precedents established in the Florida Rules of Judicial Administration , Rule 2.514 ( a ) ( 1 ) ( C ) and the Florida Rules of Civil Procedure, Rule 1.090. These rules explicitly state that if a deadline falls on a Saturday, Sunday, or legal holiday, the period runs until the end of the next day that is not a weekend or holiday. My actions were timely based on these legal standards. Furthermore, XXXX has unlawfully refused to cancel the contract, violating my consumer cancellation rights. Additionally, they were formally instructed that all communications regarding this matter must be strictly in writing. Despite this explicit legal directive, XXXX continues to harass me with constant phone calls, violating consumer protection laws regarding communication and harassment. This decision by Goldman Sachs constitutes a failure to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ). I request an immediate review of this case and a reversal of the charges. The bank is currently enabling unjust enrichment and unlawful harassment by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report, which I do not recognize and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), any company that accesses my credit report must have a permissible purpose and my authorization. I have reason to believe that the following inquiries were made without my consent and therefore violate my rights under federal law. These unauthorized inquiries are negatively impacting my credit score and overall creditworthiness. I respectfully request that you : Conduct a full investigation into these inquiries Require the companies involved to provide proof of authorization Remove any inquiries that can not be verified as authorized Please see the list of inquiries below : [ JP Morgan Chase Bank NA ] [ XX/XX/year> ] If these companies can not provide proper documentation showing that I authorized these inquiries, they must be removed immediately from my credit file. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I leased a vehicle from Kia Motors Finance ( XXXX ) in XXXX, return date XX/XX/XXXX. I received a refund check from the company at the end of XXXXbeginning of XXXX for the amount of {$550.00}. Shortly after, there was a charge-off listed on my credit report ( XXXX ) for {$550.00} from XXXX. I filed disputes with all three credit bureaus several times and each time was told the charge-off was valid and it has remained on my report. Most recently it was " re-opened '' in XX/XX/XXXX. I have since filed another dispute with the credit bureaus, as well as XXXX. XXXX responded and provided me with basic account information, then provided me with my entire account ledger from XXXX and the lease application. There is no where on the account ledger stating I owe {$550.00}, nor does it explain why I owe this amount. Additionally, there is no record of the check I received at the end of XXXX in the amount of {$550.00}. I no longer use the same bank that I deposited the check at, however I would be glad to go to the branch and see if there is record of this check and it's total.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I sent {$500.00} via Cash App to XXXX XXXX as a down payment for a vehicle. The seller promised to deliver the vehicle, but it was never provided.I contacted the seller, who said I could receive a refund, but no refund has been issued. I have provided Cash App with more than enough evidence, including screenshots of the payment and communications, but they still have not helped me resolve the issue. I have also filed a police report, and there is an ongoing investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I am filing a complaint against Arvest Bank regarding their failure to properly investigate and resolve a fraudulent transaction on my daughters debit card. On XX/XX/year>, a {$250.00} charge was made to a credit repair merchant using my daughters card. This transaction was unauthorized. Neither my daughter nor I made or approved this purchase. On XX/XX/year>, my daughter, went in person to Arvest Bank and immediately reported the transaction as fraud. The card was canceled at that time and a replacement card was issued. Despite timely reporting, Arvest Bank denied the dispute. When we followed up, we were told that the claim was denied because the merchant refuses to return the funds. We escalated the issue, and on XX/XX/year>, after speaking with a supervisor, we were again told that there was nothing further they could do because the merchant would not refund the money. This response is unacceptable. This is not a billing dispute with a merchantthis is a case of unauthorized fraud. Arvest Bank appears to have improperly handled this claim as a merchant dispute rather than conducting a proper fraud investigation. Under the Electronic Fund Transfer Act, financial institutions are required to investigate unauthorized transactions and provide appropriate protections to consumers. Simply relying on a merchants refusal to refund does not meet the requirements of a reasonable investigation. We reported this fraud immediately, took all appropriate steps, and have fully cooperated. There has been no evidence provided that this transaction was authorized. My daughter is a XXXX, and I am the one financially responsible. We maintain our accounts in good standing and expect our bank to protect us from fraudulent activity. At this point, Arvest Bank has failed to meet that responsibility.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I recently had a closed account due to discrimination with a foreign fraud rep after already visiting a branch I filed a complaint # XXXX And the response from the the bank witch was CHASE was for me to try and open another account but apon returning to the bank today it is still showing restrictions in the chase system preventing me from reopening my account, And they say that they have NO record of my complaint or a response from someone on there team. So I need help with communicating these things to the correctly to the correct people so I can go in and reopen my BUSINESS account. I do feel the restrictions were placed due to prejudice mindsets from the rep I spoke with. I took time out my day another 3/4 hours just to be told I still can not open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: OH

Complaint narrative:
i happen to look at my credit report and notice fraudulents that i would like remove

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
my complaint is that my student loans have been mishandled for several years. They automatically switch me from borrower to borrower and my paid amounts never show up with the next borrower. Recently, a check was to be issues to me for a refund apart of the XXXX lawsuit settlement refund but they wont answer their calls or respond to my email for my refund check. Phone : XXXX Website : XXXX However, more importantly is the longevity of having issues where my loans transfer from XXXX XXXX to mohella to XXXX and back to Mohella.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i called XXXX weeks ago stating that i was making payments to cover the account. ive made payments everyday to pay down the card. somehow a payment was made on a account i dont own and then they were returned. i didnt press that card I always use myXX/XX/XXXXcard. they then closed my account when i had until XXXX the XXXX. which today is. i called XXXX and now they wont help my account. they are refusing to reopen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I experienced a financial hardship beginning in late XXXX, early XXXX due to XXXX and my spouse abandoning the home and mortgage obligations. As a result, I fell behind on my mortgage payments. I contacted the mortgage company and was placed on a temporary modified payment plan, which I have followed and paid on time. On XX/XX/XXXX, I obtained and submitted a skip trace report in an effort to locate the missing co-borrower, which is required for my XXXX XXXX XXXX request. I also submitted an Affidavit of XXXX and XXXX XXXX with supporting documentation. Between late XX/XX/XXXX and early XX/XX/XXXX, I repeatedly requested written confirmation regarding : Missing Borrower Exception review Affidavit of Abandonment review Loan modification status Next steps and final decision The company has continued to call me by phone but has refused to provide a written decision. I specifically requested communication in writing for documentation purposes. On XX/XX/XXXX, I made my monthly mortgage payment in the same modified amount I have paid for the past XXXX months. I remain willing and able to continue making payments under the modified amount. Despite multiple written requests, the company has not confirmed : Whether my Missing Borrower Exception was approved or denied Whether my Affidavit of Abandonment was accepted Whether my modification request is approved What my next steps should be Instead, I was instructed to call a loan counselor and was told they would not provide further information in writing. I am requesting that the company provide a written decision and properly review my submitted documen tation. I am seeking written confirmation of the status of my request and fair review of my Missing Borrower Exception so I may continue paying and avoid unnecessary default or foreclosure.

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 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I was late on my monthly payment of {$140.00} and was charged a late fee of {$160.00} I called prepared to make the payment, and I requested that the late fee be removed or reduced. They declined They sold me all of this credit insurance for XXXX, life, and Involuntary Unemployment, but declined to help me when I was out of work for 5 months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, Bank of America placed my checking account in pending closure. I contacted customer service to request access to my remaining balance. They gave me XXXX options : XXXX. Wait for the standard account closure process, which they said would take approximately XXXX weeks before a check is issued. XXXX. Submit a fraud release request, which they said may take up to XXXX business days to be approved, but approval is not guaranteed. I am unable to access my funds immediately through either option. This delay is causing financial hardship, as I need the money to feed my children and cover essential living expenses until my next payday. I also contacted the fraud department and requested that the release of my funds be expedited, but no immediate resolution was provided. The total balance in the account is approximately {$400.00}, and I have been unable to access it since the account was placed in pending closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
I am submitting this complaint after attempting to resolve an issue directly with Exeter Finance without success. I previously sent a formal written dispute regarding the ap plication of payments on my auto loan. After receiving no response, I sent a second escalation letter. Exeter Finance did respond ; however, the response did not adequately address my concerns or provide meaningful clarification. My concern is related to multiple payments I made in excess of my required monthly payment. These additional payments were intended to reduce the principal balance of my loan. On multiple occasions, I contacted Exeter Finance and specifically requested that extra payments be applied toward principal. I was informed by representatives that this would be done. Despite this, my payment history reflects that significant portions of these extra payments were applied to interest instead. In several instances, I had to contact the company again to request reversals or corrections, indicating inconsistency in how my payments were handled. I estimate that I made approximately {$2700.00} in additional payments beyond my required monthly payments. A substantial portion of those funds were applied to interest despite my requests for principal-only application. Additionally, Exeter Finance has not provided a clear explanation of how borrower requests for principal-only payments are handled, nor have they provided a detailed breakdown sufficient to verify the accuracy of payment allocation. I am requesting the following : A full accounting of how each payment was applied ( principal vs interest ) A detailed explanation of how principal-only payment requests are processed A review of call recordings and account notes related to my requests Correction of any payments that were not applied in accordance with my instructions Adjustment of my principal balance if errors or inconsistencies are identified I have attached my loan contract, payment history, and copies of my dispute correspondence. I attempted to resolve this matter directly, but the companys response did not adequately address the issue. Additionally, as of XX/XX/2026, I am unable to access my payment history through Exeter Finances system. This prevents me from independently verifying how my payments have been applied and raises further concerns about transparency during the dispute process. I have attached a screenshot from last month when I was able to see my full payment history as well as a screenshot of my most recent payment that I am able to view on exeters website. I do also have a screen recording me making an attempt to open my full payment history and being unable to. I am seeking a full review and resolution of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OR

Complaint narrative:
On XX/XX/year> I applied for Borrowers Defense case on the XXXX XXXX XXXX loan in my name as my sons school was not accredited and there was a law suit that was settled previously he should have been included in which would have dissolved this debt. When I called the Student Aid department asking for an update, although the site says it can take up to 3 years, the agent told me there is no resolution date and they have no answer for me. This is keeping me from moving forward in life and buying a home because of the large debt on my credit. If my son starts making payments, this will essentially assume the loan when it should be resolved. We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
XX/XX/year> I was billed {$99.00} on my XXXX credit card for XXXX stores I attempted to dispute, but Goldman Sachs said it was an authorized transaction. They do not provide evidence to support claim. Dispute again, and same thing happens. No evidence, and they do not provide any additional info. Today is the third time. Ive went to XXXX support, they can not find any transaction, receipt, subscription, or product description. I am being bounced back and forth because no one knows what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I have had issues with this debt company and their tactics for years with multiple debt accounts that were fraudulently place in collections or closed due to the consumer abuse I received from the companies that debt was owed, which I am now lead to believe its all a scam by telemarketers impersonating legit companies and causing issues to create debt by hacking and altering the consumers information and violating privacy policies.

Company response to consumer: Closed with explanation