vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing an unauthorized {$310.00} ATM withdrawal that occurred on XX/XX/year> under physical duress/extortion. I was coerced into withdrawing these funds against my will. Under Regulation XXXX, this is an Unauthorized transaction because i did not provide actual consent. 

I have officially reported this crime : * Police Report : XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX FTC Report : Reference # XXXX Truist Bank has failed to properly investigate this incident as a crime of duress. I am requesting a full reimbursement of the {$310.00}

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 2026-02-03 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing a complaint regarding unresolved fraudulent charges on my Barclays JetBlue Credit Card, despite confirmed fraud and explicit instructions from the merchant ( XXXX XXXX ) to pursue a chargeback. 

On XX/XX/XXXX, two unauthorized transactions were charged to my Barclays JetBlue Credit Card : {$600.00} XXXX XXXX {$600.00} XXXX XXXX XXXX Confirmation # : XXXX On or about XX/XX/XXXX, my XXXX XXXX Bank account was hacked without my knowledge or authorization. I promptly reported the fraud to XXXX XXXX. JetBlue confirmed the unauthorized access, suspended my account, and blocked all access. 
A fraud case was opened by JetBlue ( Case # XXXX on XX/XX/XXXX ). 

On XX/XX/XXXX, a XXXX  customer service representative instructed me to file a dispute with Barclays Credit Card for services not rendered. I complied and filed the dispute as directed by the merchant. Barclays resolved the dispute unfavorably, and no funds were returned. 

On XX/XX/XXXX, another XXXX customer service agent explicitly instructed me to attempt to get a refund from Barclays Jetblue Credit card by filing a " chargeback '' with Barclays, confirming that XXXX would not return the funds directly. ( I have documentation/screenshots of this instruction. ) Despite : confirmed unauthorized account access, a documented fraud case opened by XXXX, and repeated instructions from the merchant to pursue a chargeback, Barclays has refused to reverse the fraudulent charges, leaving me financially responsible for funds stolen due to fraud. 

I have made continuous good-faith efforts to resolve this matter with both XXXX and Barclays since XX/XX/XXXX, with no resolution. I am requesting assistance from the Attorney Generals Office to ensure that consumer fraud protections are properly applied and that these unauthorized charges are reversed. 



The following documents are included in support of this complaint : -Original transaction receipts for the disputed XXXX charges XXXX XXXX Bank account history, including records identifying the individuals who utilized the stolen travel credits -Copies of written correspondence sent to both XXXX XXXX and Barclays Bank requesting a fair resolution

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 2026-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
We have been robbed by XXXX by Goldman Sachs. I opened a joint account with my father who is XXXX old. My father is almost completely XXXX and XXXX. We opened the account on XX/XX/year> and transfered a significant amount of money into the account to fund the savings account. Ever since opening the account at XXXX by Goldman Sachs has blocked my access to the account. I have called multiple times to unlock the account. On XX/XX/year> I spoke to a security XXXX who insisted on speaking to my XXXX XXXX XXXX father to confirm that he was the primary account holder. My father was unable to hear the individual on the phone to answer questions like what is his credentials/password, XXXX, XXXX, secret passcode. The security representative refused to XXXX me access to the account. I am a co-owner on the account. I have repeatedly told XXXX by Goldman Sachs that my father is XXXX. Now we are unable to get the account unfrozen and were told that it would be XXXX to XXXX business days before another representative will contact my father by phone to confirm that he is the primary account holder. In the mean time I am unable to access the account or monies. They have also set the statements to online only so I now have no record of the account number or any other details about the account. This is robbery as far as I am concerned and I want to get the money out of the account and close it now because of the outrageously bad service that I have gotten from XXXX by Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by { XXXX } in connection with a vehicle repossession being reported on my consumer credit file. 

Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline. 

Specifically : * The account is being reported with inaccurate and/or inconsistent information, including but not limited to the Date of First Delinquency, account status, and balance. 
* The furnisher has verified the account without providing documentation demonstrating a reasonable investigation as required under FCRA 623 ( b ). 
* No proof has been provided showing lawful repossession authority, required pre- or post-repossession notices, or compliance with applicable state law. 
* No evidence has been provided that any vehicle disposition was conducted in a commercially reasonable manner as required under UCC Article 9. 
* The continued furnishing of this information is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), as the information can not be verified as accurate or complete. 

I requested, but did not receive, copies of the original retail installment contract, repossession authorization, required notices, sale documentation, or a post-sale accounting supporting any alleged deficiency balance. Without this documentation, the continued reporting of this account is inaccurate and harmful. 

The failure to conduct a reasonable investigation and the continued reporting of unverified information violates the Fair Credit Reporting Act and has caused ongoing damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: MO

Complaint narrative:
I had a family member send me XXXX dollars to my account that I just opened and got verified but as soon as I receive the money then XXXX permanently closed my account. So now I can't login to my account where my money is and I can't access my money either nor do I even know what's going on with my money. I've called XXXX customer support every single day since the incident and it has been almost a week now and I still haven't gotten anywhere. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On or about XX/XX/year>, Robinhood informed me that my crypto transfer activity allegedly violated the Robinhood Crypto Customer Agreement, stating that due to continued transfers, Robinhood is no longer able to support crypto transfers for my account and that the decision is final.

However, Robinhood has refused to provide any specific explanation of what was violated. Despite multiple attempts to obtain clarification through customer support, no representative has been able or willing to identify : The specific provision ( s ) of the Crypto Customer Agreement allegedly violated The transaction ( s ), wallet address ( es ), or service ( s ) that triggered the restriction The factual basis for Robinhoods determination Whether any escalation or reconsideration process exists A vague assertion of violation without disclosure of the underlying reason is unacceptable and prevents me from understanding or responding appropriately. 

Accordingly, I respectfully request that Robinhood provide, in writing, within 10 business days, the following : The exact Customer Agreement section ( s ) relied upon Identification of the transaction ( s ) at issue ( dates, asset type, and amounts ) A clear explanation of what conduct Robinhood believes violated policy Confirmation of what crypto account functionality remains available Any available escalation or dispute resolution process If Robinhood refuses to provide this information, I will consider escalating this matter through appropriate regulatory and consumer protection channels, including : The Consumer Financial Protection Bureau ( CFPB ) FINRA Investor Complaint Center The State Attorney Generals Office Private legal counsel and arbitration, if necessary I request that all future communication regarding this matter be provided in writing. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: Capital Accounts, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX debit card was charged {$85.00} by XXXX XXXX XXXX XXXX for a Professional subscription. This charge occurred after I updated my card in my XXXX XXXX. I did not authorize the upgrade and never received or used the service. I disputed the charge with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX issued a provisional credit of {$85.00}. On XX/XX/XXXX, XXXX XXXX reversed the provisional credit, removing {$85.00} from my account. 
I was never provided written notice, an explanation of the decision, the merchants evidence, or any instructions on how to appeal. After noticing the credit reversal, I contacted XXXX XXXX multiple times requesting : An explanation of the dispute decision The appeal or reinvestigation process The ability to reopen the case I was told to submit proof via email, which I did. Despite submitting documentation showing no service was received, I never received any response, correspondence, or decision from XXXX XXXX. 
As of XX/XX/XXXX : I have paid {$85.00} for a service I did not receive I was not informed of the dispute outcome in writing I was not given appeal rights or timelines My attempts to reopen or appeal the dispute were ignored XXXX XXXX failed to follow required dispute resolution procedures, including proper notice and communication. I am requesting : A reinvestigation of the dispute Reversal of the {$85.00} charge XXXX explanation of the dispute handling process

Company response to consumer: Untimely response
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
XX/XX/XXXX : 5x money transfers for products & services that has transpired to be a scam. Contacted the bank ( chime ) with no avail, in the hope the could stop or chargeback. 

3x {$100.00} to XXXX XXXX 1x {$200.00} to XXXX XXXX XXXX {$400.00} to XXXX XXXX ( promising me this was a refund ) These people are claiming to be from premium wood - forestry service, in the local area of indiana. They are not. XXXX XXXX XXXX. ( texas ) are aware of this from other buyers & now are Indiana police from myself. The market place page appeared to have been set up in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: NH

Complaint narrative:
Open your eyes and read carefully. I will keep opening this dispute and this casse until i get my money back. THE EVIDENCE WAS EMAILED MULTIPLE TIMES AND ALSO ATTACHED HERE SO DONT YOU DARE THROW THAT EXCUSE AT ME AGAIN!!!! 


I have a dispute open with goldman sachs since XX/XX/year> against merchant XXXX for {$53.00}. Its been XXXX months now and the bank keeps closing the dispute in the merchant 's favor even though I have provided enough evidence. This bank is giving me hard time over {$53.00}. I had purchased a box of diapers and a bottle of vitamin D from XXXX and after I got home and opened the diaper box noticed that only half the diapers were in the box and the vitamin D bottle had a broken seal. I have sent in the evidence ( photos ) of damaged merchandise to this bank like 8 times now and they keep closing it in the merchant 's favor which makes no sense to me. I have tried to return the products to XXXX and they have refused to refund me. I am not going to let my {$53.00} go waste when its not my fault. I need justice here. I have attached pictures here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX account which contains XXXX and XXXX was hacked by someone adding a new address. My address has not changed since I have had either of these accounts. I have tried to verify using their text app and it did not work twice. I also sent in my drivers ID and using postal express mail ( which can be traced ) and they claim they haven't gotten it. So basically, they are holding two of my credit cards hostages without the ability of me to access either account, but I am being charged and still paying the balances. I have about a {$2000.00} balance in my XXXX account and XXXX balance in my XXXX account. This occurred around XX/XX/year>, and I sent the letter to My Synchrony XX/XX/year> ( which they claim they did not receive although the postal office response said they signed are received it ).

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Credit Corp Solutions on a matter that pertains to my credit. I have been a victim of fraud. I sent Credit Corp Solutions a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Credit Corp Solutions to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay Credit Corp Solutions and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe Credit Corp Solutions. You can not because this is not my debt nor do I owe Credit Corp Solutions anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDIT CORP SOLUTIONS NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint against PORTFOLIO RECOV ASSOC regarding their failure to comply with federal debt collection and credit reporting laws.PORTFOLIO RECOV ASSOC is attempting to collect an alleged debt that I formally disputed. On XXXX, I sent PORTFOLIO RECOV ASSOC a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite receipt of my request, PORTFOLIO RECOV ASSOC failed to provide proper validation of the alleged debt. 
Instead of validating the debt, PORTFOLIO RECOV ASSOC continued collection activity and continued to report and/or verify this account with consumer reporting agencies. This conduct violates the FDCPA, including but not limited to 1692g ( b ) ( continuing collection without validation ) and 1692e ( false, deceptive, or misleading representations ). It also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, by furnishing inaccurate and unverified information to credit bureaus.

I sent a follow-up Notice of Violations providing PORTFOLIO RECOV ASSOC a final opportunity to cure these violations. PORTFOLIO RECOV ASSOChas still failed to provide legally sufficient validation or correct its reporting. 
As a result of PORTFOLIO RECOV ASSOC actions, inaccurate information continues to appear on my credit reports, causing financial harm and emotional distress. 
I am requesting that PORTFOLIO RECOV ASSOC Immediately cease all collection activity on this account Permanently delete the account from all consumer reporting agencies Provide written confirmation that the matter is closed I am requesting CFPB assistance to ensure PORTFOLIO RECOV ASSOC complies with federal law and corrects the harm caused by its unlawful conduct. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete credit reporting by SBNA related to an auto loan account reported as a charge-off and repossession.

SBNA is reporting inconsistent high balance amounts across consumer reporting agencies, which is a fixed historical fact and constitutes inaccurate reporting.

Additionally, the account is reported as charged off without complete repossession reporting, including the absence of the vehicle disposition date, sale amount, and application of proceeds.

SBNA continues to report a deficiency balance without providing verifiable accounting documentation supporting how the balance was calculated following the disposition of the collateral. 

There are also discrepancies concerning the reported dates of activity and payment history, raising concerns that the Date of First Delinquency ( DOFD ) may be inaccurately reported or re-aged in violation of the Fair Credit Reporting Act.

I have disputed these inaccuracies and requested verification, including the auction date, sale amount, accounting ledger, proof of DOFD, and the Metro 2 reporting fields used. To date, SBNA has failed to provide this information.

I am requesting that SBNA either provide competent documentary evidence supporting the accuracy and completeness of its reporting or correct/delete the tradeline as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
we canceled homeowners insurance with XXXX  XXXXl & our escrow refund check was erroneously sent to a mortgage company that we do not have a mortgage with instead of us directly. The amount owed to us for escrow refund is {$3400.00} and XXXX  XXXX sent this check # XXXX to NationstarXXXXMr CooperXXXX XXXX  on XX/XX/XXXX and I have a copy of this cashed check as proof that I am bale to provide. This refund check was erroneously cashed by them XX/XX/XXXX and applied to a loan # XXXX which does not exist, because we are not a customer of Nationstar/Mr CooperXXXX Mortgage and we do not & have never had a loan with them. We have asked XXXX  XXXX multiple times to request the funds returned to them since it is their check that was sent and cashed & properly send the {$3400.00} escrow balance amount to us & they have refused to take accountability for this error & will not provide assistance in getting the funds back from Nationstar/Mr CooperXXXX XXXX  even though they sent them the money. We have directly reached out to Nationstar/Mr CooperXXXXXXXX XXXX & they have acknowledged & confirmed that they have the funds & they were cashed in error & they have said they need XXXX  XXXX to contact them to get this resolved. This matter has been going on since XX/XX/XXXX and no one will help me get back our escrow refund of {$3400.00}. This money is owed to us & everyone is aware yet no one will correct this, our money is being held hostage by Nationstar/Mr CooperXXXX XXXX XXXX  due to the error by XXXX  XXXX. We simply need help to get this escrow balance of {$3400.00} properly & swiftly returned to us as it is rightfully owed. Thank You

Company response to consumer: Closed with explanation