vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 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:
I am submitting this complaint regarding the mishandling of XXXX dispute claims on my Apple Card account issued by Goldman Sachs, involving charges where no service was ever provided. The disputed transactions are : * {$5000.00} charge from XXXX * {$2300.00} charge from XXXX For both transactions, I did not receive any product, service, access, deliverable, or benefit of any kind. Because no service was ever provided, there is nothing that could be returned. These disputes have been mishandled from the beginning. Goldman Sachs opened the cases under incorrect dispute categories and failed to properly investigate them based on the actual facts. This is not a case of dissatisfaction or services rendered differently than expected. This is a case where no service was provided at all. Additionally, these disputes have not been handled within appropriate timeframes. I have been left without proper resolution or clear updates beyond the expected 45-day investigation period, which has caused further concern regarding compliance with dispute handling requirements. For the XXXX transaction, I was not provided any actual access, usable platform entry, or delivered service after payment. For the XXXX transaction, I similarly did not receive any service, picks, content, or access despite payment. In both cases, the merchants have been unresponsive or failed to provide any meaningful support or resolution. A critical issue is that there has been no indication of any legitimate or verifiable records tying these alleged services to me. Neither XXXX nor XXXX has provided proof of delivery, proof of access, proof of usage, or any account activity under my name to Goldman Sachs. There is no evidence showing that I ever received or used any service associated with these charges. Goldman Sachs has also failed to provide proper communication or transparency throughout this process. I have not received consistent updates, clear explanations, or a reasonable understanding of how my disputes are being evaluated. As a result, I am being financially impacted while being charged for services that were never provided. I am requesting a full resolution of this matter. Specifically : * Immediate reimbursement of the full disputed amounts totaling {$7300.00} * Confirmation that both disputes are being handled under the correct category of services not rendered * Written confirmation of the outcome and resolution If there is no verifiable evidence that any service was delivered to me or accessed by me, there is no valid basis to deny these disputes. I expect this matter to be resolved promptly and in accordance with applicable consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a trip to XXXX in which my checking account was overdrawn from a claim in which they are confused about filing they are giving provisionary credit on claims already a victim of identity theft someone is using my information filing false claims i have no idea of and they are putting into my account i have several transactions from sales of iPhones Im thinking I have told them to reverse and adjust the claim due to the identity theft and false claim they are ignoring and closing the account i have used the account with no issues and ample amount of deposits have been utilized their has been spam calls which they are acting as if their fraud on claims and it isnt their number when I go into branch which information is being provided i have made this aware to them and in regard trying to make me liable i even went to a branch and provided the numbers i been receiving and they are scam numbers under the pretense of Wells Fargo i am not liable they arent providing security for me at this institution with documents i have provided to them to open the account they have my identity theft report faxed in even before the relationship with the bank

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to formally dispute the derogatory status of an account reported by FEB-RETAIL on my XXXX credit report. The account number ending in XXXX currently shows a balance of {$0.00} but is incorrectly marked as derogatory. This incorrect information is significantly impacting my credit score, as evidenced by my current XXXX score of XXXX. I have verified that this account should not have a derogatory status, and I am requesting a correction. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and expect that the credit bureau will investigate and correct or remove any inaccuracies. The derogatory status of this account is unjustified and continues to affect my ability to secure favorable credit terms. I have contacted XXXX to dispute this information once before, but no corrective action has yet been taken. The continued reporting of this erroneous status constitutes a failure to adhere to the FCRA guidelines, which require credit reporting agencies to maintain accurate and up-to-date information. The impact of this error is significant. It has led to a lower credit score, which in turn affects my ability to obtain credit, potentially increases the interest rates on any new credit I may qualify for, and undermines my financial reputation. This situation is causing undue stress and financial harm. I am requesting the complete removal of this account from my credit reports with all three major credit bureaus : XXXX XXXX XXXX XXXX. I trust that FEB-RETAIL will address this issue promptly and ensure compliance with FCRA regulations .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I filed a complaint with comenity bank and the information was incorrect. An investigation was done and found that I was correct. Late fees and interest rates were shown adjusted under the new statements and XXXX account which is XXXX credit card account is trying to be purchased back because that account was incorrect. Even though you refunded late fees and interest back according to what your records shown, you destroyed my credit. One bad reporting on an account can hurt someone in just XXXX month, let alone several accounts for months at a time. I have emails from the collection department stating that I could put my taxes to good use getting caught up when I wasnt even behind. Not to mention the endless phone calls that I kept before you tried to even look at this. I saved everything because the emotional state you put me in is Ridiculous. I have XXXX XXXX and I must try my best to not be stressed. You sent and stated that it was a bank glitch so what does that mean to me? You didnt only hurt me with your reporting, my auto insurance rates is higher and Ive never had a speeding ticket or accident in my entire life. With all of the evidence that I have, I am willing to get an attorney at this point. If you want to entertain more than the adjustments you made and send me monetary compensation for the trouble you caused me, I am willing to move on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, unauthorized charges were made on my Capital One account without my knowledge or consent resulting from identity theft. I am disputing charges on my Capital One account that were made without my authorization as a result of identity theft. I formally disputed these charges directly with Capital One in 2024 and requested an investigation. Capital One failed to conduct an adequate investigation and failed to remove unauthorized charges as required under the FCRA. Capital One has now filed a lawsuit against me for Case No. XXXX in XXXX XXXXXXXX XXXX for charges I formally disputed as unauthorized. I am requesting a full investigation of this account and removal of all unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Beyond Finance regarding their mishandling of my account and failure to properly manage their role as my alleged representative. While I previously enrolled in their debt management program, I later experienced financial hardship and ceased participation. Despite this, Beyond Finance never provided clear written notice that my account was no longer active or that they were no longer acting on my behalf. XXXX XXXX XXXX, XXXX, a debt collection law firm, later claimed they were communicating with Beyond Finance as my authorized representative regarding alleged debts. However, Beyond Finance never notified me of these communications, never forwarded any correspondence, and never took any action to protect my interests. As a result, I was completely unaware of collection activity and was later served with a lawsuit. Even after I contacted Beyond Finance following the lawsuit, they only then sent a power of attorney revocation to XXXX, confirming that they had allowed themselves to be treated as my representative without actively managing or terminating that role. Their failure to communicate, act, or properly revoke authority created confusion, allowed third parties to bypass me directly, and contributed to legal action being filed against me without my knowledge. I believe Beyond Finance failed in their duty to properly manage my account, failed to notify me of critical developments, and failed to timely revoke any authority that allowed third parties to treat them as my representative. I am requesting a full investigation into their practices and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CarMax, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a complaint regarding incorrect information reported by CarMax on my credit reports with XXXX and XXXX. My date of birth is not provided, but the last four digits of my Social Security Number are XXXX. I reside at XXXX XXXX XXXX, XXXX, GA, XXXX. The account in question ends in XXXX and is currently reported as a charge-off with a balance of {$5900.00}. I have reviewed my credit reports from XXXX and XXXX, and both display this account as charged off. However, I believe this reporting is incorrect and does not accurately reflect my credit history or the current status of the account. This erroneous reporting has severely impacted my credit scores, which are XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX As a result, I have faced difficulties in obtaining credit, higher interest rates, and challenges in financial transactions that require a good credit standing. In compliance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report. Incorrect reporting of account statuses, especially those that negatively impact credit scores, is a violation of my rights under this law. I have attempted to resolve this matter by contacting CarMax directly, but the issue remains unresolved. I am requesting the complete removal of this account from all three major credit bureaus : XXXX XXXX XXXX XXXX This action will correct the misinformation and allow my credit reports to accurately reflect my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: IN

Complaint narrative:
Capital one closed my secured credit card because of a faulty electronic system. I understand that payments were returned with because I used the wrong acct or they auto paid when it wasn't supposed to but I dont feel I violated their terms badly enough to have my acct closed and cause me to be unable to take care of my family. I use that card for medical payments for my XXXX year old child. They could've talked to me first to resolve the issue instead of mailing a letter on the XXXX which I have yet to receive. I am hurt by the handling of their companies choices and honestly if I didn't need the accts I would walk away from this bank. Other then the XXXX payments this month I've paid on time and been careful with this acct. I know that they said there was XXXX in XXXX as well but what I remember is I got an autopay notice that I couldn't cancel taking from a linked acct that they can see doesn't have funds in it. I am waiting to see if they actually help their customers and rethink the closure but I want other families to know their credit cards and accts can just get closed with no warning and will be told they can't be reopened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX Citi XXXX closed my account XX/XX/year> due to late payments however all balances/minimums were paid on time with only 2 late payments in a 12 month span. I had gathered {$300.00} plus in rewards from Citi XXXX that was expected to be paid via a check in the mail at the closure of XX/XX/year> statement. However my rewards were forfeited due to closure. Closure of account was not communicated to me and did not allow me to re-open account to continue earning rewards. I believe they closed the account on the month I was suppose to receive my rewards check of $ XXXX USD.

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 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: MO

Complaint narrative:
Village Capital is my mortgage holder. When I went through my divorce I fell behind a couple of payments but have not missed a payment in years. They erroneously charged me a returned check fee of {$30.00} and refused to waive a XXXX XXXX old late fee. They are a terrible company to deal with that mismanages the escrow account and charges illegal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NJ

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX XXXX ) I do not have a contract with ( resurgen capital services ). They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Back in XXXX, during the COVID-19 pandemic, I was offered the option not to pay the car payment for three months. The customer service representative 's orientation was that the loan would be extended from XX/XX/XXXX to XX/XX/XXXX. My understanding was that this was an aid during the COVID-19 pandemic. No instruction or orientation ; not paying for those three months would still require paying interest, and if interest were not paid, it would continue to grow throughout the years. This was not really a relief ; a relief is when you consider a crisis and pause interest, just like everybody else did, like student loans and other entities that really did offer aid. Still, First Bank took advantage of a crisis to charge more and provide misleading information. If I had known this was the case, I would never have chosen to stop paying. Who in their right mind would pay triple pay interest for those three months and also pay interest on the extended month? This is not good-faith practice. It is very disappointing to learn that First Bank is deceiving and had no intention of helping ; instead, it saw an opportunity in a crisis to make more money. This should not even be offered to people going through a crisis because, in the long run, it becomes worse than no help at all. There was no good faith. Bad faith occurs when information is misleading, leading the consumer to believe it is helpful when it is not, or when details are left out. So disappointing to know that these practices are done to hard-working people who get in debt for a car, not for a luxury, but rather as a necessity, because XXXX XXXX is hard to find a good used car, so people are forced to get in debt and then misled on loans in collusion with the dealers to make money. It's not fair that I paid triple for this car and now I am being forced to pay an additional XXXX, plus more interest. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
( Cash App ) - Ive had an account with Cash App since approximately XXXX one of those years. Somehow my account was closed, and Im not sure why. I kept reaching out to them for information and they still wont say why. I havent done anything fraudulent on Cash App and etc,. Every time I reached out, they never gave me a direct answer nor information on why my account was closed. I would like to know why was my account closed, and what did I do wrong for them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have contacted Citibank multiple times over the past a week ago to resolve this issue. I visited the branch in person and called their customer service line on XX/XX/year>. I explicitly requested a recall of the fraudlent wire and asked for the XXXX XXXX and XXXX documents as proof of the bank 's recovery efforts. However, the Citibank staff flatly refused to provide any substantive update on the status of my funds.

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