vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: NY

Complaint narrative:
I used my Goldman Sachs Apple Credit Credit card on XX/XX/year> to make a purchase for {$32.00} at XXXX XXXX, the final charge was confirmed with the employee. Over a week after my package was delivered I was charged {$170.00}, which is an extra {$140.00}. I have been disputing the extra charge with Goldman Sachs for almost XXXX years already and they refuse to resolve it. I just received a call from XXXX, who claimed to be part of their XXXX department and just said the same thing that Im receiving in the emails from Goldman Sachs. The charge is unauthorized and they will not do anything to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX XXXX $ was deposited into my acct from social security treasury.i used all except XXXX $ of it that day.i wake up the following morning and I have XXXX $ in my acct ( XX/XX/year> ) .I call Chase speak to a gentleman, I had asked if I'd gotten XXXX deposits from Social Security Treasury as XXXX payments to me were panding abd my balance went up over night, I explained because I didn't want to be over drawn and their system had glitched once already causing me to be over drawn.the man said yes.i am almost XXXX $ overdrawn due to their errors.on my dashboard it showed I had the money the representive reassured me i had the $ and had gotten XXXX deposits.thats not the case By XX/XX/year> I was overdrawn all most XXXX $ XXXXmy monthly check is being direct deposited into this account, I have rent to pay, I barely moved in to this place my first place ever.so I call chase and speak to a XXXX XXXX she said she'd not let this occur and set me up woth XXXX $ amonth payments starting XX/XX/XXXX XXXXthat was over the phone.im scared their still going to take my monthly pay then I'll be evicted with no way to pay rent.I am waiting on an advance funds from my bavk pay to pay this off from social security but I don't know when that will make ut to my acct ssi says they're working on it.im stressed out constant worry .I spoke to the XXXX office yesterday she seen the conversations I referred to during this mess said if there was an error on their end they'd fix it.its still not fixed my check is being deposited in XXXX days!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am requesting no contact and verification of this account, including docs supporting the balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency continues to report a charge-off account that has not been properly verified, despite multiple disputes and my full cooperation throughout the reinvestigation process. Although I have submitted prior disputes and complied with all documentation requests, the bureau continues to report this account without providing competent written evidence establishing that the account belongs to me, that the reported balance is accurate, or that the information has been properly verified with the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA 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: Freedom Mortgage Company
State: LA

Complaint narrative:
Freedom Mortgage is stating that VA partial claims are unavailable and is forcing an unaffordable {$2000.00} repayment plan instead of processing a permanent modification, despite an active XX/XX/year>, foreclosure sale date.

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 2026-05-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am also requesting written confirmation of the exact dates and amounts of all transactions associated with the reopening of the account, along with the names of the merchants involved. If any transactions were determined to be unauthorized, please provide the outcome of the investigation and any actions taken to prevent further activity on the account. Additionally, please confirm whether my account information or debit card details were compromised and whether a replacement card or additional security measures are recommended. I recently received notice that my closed account was reopened to process additional transactions. Please clarify whether these transactions were additional charges, dispute adjustments, provisional credits, refunds, or merchant rebills. I do have an upcoming appt with a lawyer this has been overbearing and caused me emotional stress and hardship that I dont need in my life especially after loosing my fiance and XXXX months later my dad

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CB1, Inc.
State: MT

Complaint narrative:
Received a call at work today from XXXX with the name CB1 Inc attached. The man on the phone stated that he name was XXXX. He asked for me but wouldn't tell me who he was with. He stated that it was a personal call. I told him that I thought that debt collectors weren't to call someone at work. He continued to insist that it was just a personal call. I only know a couple of XXXX and this XXXX had a pronounced accent and the XXXX I know do not. I believe that this was a collection agency. I have had them pull this before, sometimes pretending to be attorneys with criminal charges pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Block, Inc.
State: VA

Complaint narrative:
I sent a total of {$300.00} to XXXX family members. Once they repaid me through Cash App in XX/XX/XXXX I havent been able to withdraw my funds. Ive reach out to them serval times since they create a complaint ticket stating someone will reach out soon almost 7 months later nothing. The last email was XX/XX/XXXX stating they would have a resolution within 30 days. Still no follow up from Cash App as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
XXXX XXXX : This account has been closed XX/XX/XXXX. The payments have been made and still being charges fees and late fees. Please see attached letter that Comenity had provided CFPB. With the final bullet stating " We received you payment of {$9.00} on XX/XX/XXXX. As of the date of this letter, the account balance is XXXX. '' PETCO CARD : his account has been closed XX/XX/XXXX. The payments have been made and still being charges fees and late fees. Final Bullet " The account was closed as per your request on XX/XX/XXXX. We received your payment of {$1000.00} on XX/XX/XXXX. As of the date of this letter, your account balance is {$140.00}. '' - the amount of {$140.00} was paid on XXXX and an amount of {$2.00} was made on XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Chimes handling of a fraudulent/scam transaction totaling {$420.00} - XX/XX/XXXX {$170.00} & XX/XX/XXXX {$250.00} I sent funds through an instant transfer for items being advertised online. After payment was sent, the seller became evasive, failed to provide the purchased items, and ultimately blocked all communication after I requested either shipment or a refund. Further investigation revealed the individual appears to operate multiple accounts using misleading/stolen product photos and deceptive representations. The transaction appears to have been part of an intentional online scam rather than a legitimate sale dispute. I promptly contacted Chime to report the situation as fraud/scam activity and requested assistance, escalation, and investigation. However, I have not received meaningful assistance regarding recovery options or fraud protections despite evidence of deceptive conduct and financial loss. This was not buyers remorse or dissatisfaction with a legitimate purchase. The funds were obtained through fraudulent misrepresentation and deceptive online activity. I am requesting review of Chimes handling of this fraud report, clarification regarding available consumer protections for scam-related transactions, and assistance in determining whether any recovery or escalation options remain available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: HI

Complaint narrative:
XX/XX/2026 an illegal charge of {$600.00} was made at XXXX XXXX, XXXX, NY using a physical credit card sent by CitiBank by XXXX XXXX to a criminal who took over my account, and using information they could have only got from Citibank not me, that is my security questions and answers, who tricked Citibank into negligently adding them as an authorized user and sending them an new authorized user additional card in the criminal 's name to a completely illegal address then my legal address on file. I live in Hawaii and could not have received or made charges in New York State. This was on my Citi XXXX XXXX XXXX previously ending in XXXX which XXXX cancelled assuring me I would not be responsible for the charges and then sending a replacement card ending in XXXX but unfairly and deceptively still showing this clearly criminal charge still on my account with the new card. I was falsely absolutely assured by no less then XXXX different Citibank XXXX XXXX, both from the foreign fraud call centers and also by XXXX in the domestic XXXX XXXX XXXX, that I would not be responsible for the charges. Also previous to this XX/XX/XXXX criminal charge on my account I received a text message from Citibank saying a new Citi XXXX XXXX XXXX was being sent to me by XXXX XXXX and I immediately, and before the illegal charges, called the XXXX XXXX call center and was falsely, negligently, and unfairly told that Citibank never sends cards by XXXX XXXX, only by USPS, and since no card came to me by XXXX XXXX I thought it was a phone scam until I saw the illegal charges made by the criminal with the illegal new card. The criminal did not fly to Hawaii to get near my physical card or locked P.O. Box at the post office and could have only gotten my information by tricking Citibank Citibank needs to correct it's negligent and unfair security breach

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 2026-05-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing again because the XXXX account, unauthorized inquiries, incorrect name, and wrong addresses I disputed are still reporting on my credit file even after I submitted identity theft documents. I already explained that I do not recognize the account, the inquiries from XXXX, XXXX, or XXXX XXXXhe name XXXX XXXX XXXX, or the addresses listed in XXXX, but they continue showing up like my dispute was never properly investigated. Whats frustrating is that I keep getting generic responses saying everything was verified without any actual proof showing how these items belong to me. Meanwhile, my credit continues being affected by information that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of the Bank of America account listed on my credit report. The account is reporting incorrect and inconsistent open dates and account information across my credit reports. This is negatively affecting my credit and my ability to qualify for a mortgage. I am requesting a full investigation and verification of the following information : Accurate original open date of the account Complete and correct account history Confirmation that all reported information is accurate and consistent across all credit bureaus If this information can not be verified as accurate, I request that the account be corrected or removed from my credit report. Thank you for your prompt attention to this dispute. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Florida XXXX XXXX

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern : I am formally disputing the accuracy and ownership of the Capital One account ending in XXXX that is currently being reported on my consumer credit report. I have never opened, authorized, applied for, or used this account, and I believe this account may be the result of identity theft, mixed file reporting, or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information reported. Furthermore, pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of disputed information and promptly delete any information that can not be verified as accurate and belonging to me. Because this account is not mine, I demand that : 1. A full investigation be conducted regarding this account ; 2. The account be removed from my credit report immediately if it can not be properly verified ; 3. You provide me with all documentation, applications, signatures, contracts, payment records, and any other evidence used to validate this account ; 4. You cease reporting this inaccurate information to any consumer reporting agency. Please note that reporting information that is inaccurate, incomplete, or unverifiable constitutes a violation of federal law. If this account can not be verified with competent evidence proving that I opened and authorized it, it must be permanently deleted from my credit file. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax , alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lloyd & McDaniel, PLC
State: SC

Complaint narrative:
On XX/XX/2024, Lloyd & McDaniel , PLC sent me a collection notice identifying itself as a debt collector attempting to collect an alleged credit card debt on behalf of XXXX XXXX XXXX with an alleged balance of {$12000.00}. Prior to receiving this notice, on XX/XX/2024, I had already sent a written debt validation request to another collection entity, XXXX XXXX XXXX, disputing this same alleged debt and requesting validation. On XX/XX/2024, I also executed a notarized affidavit disputing the debt and questioning the validity and ownership of the account at a XXXX XXXX XXXX XXXX. Despite my written disputes, collection activity continued without documentation sufficient to resolve my validation, ownership, and authority-to-collect concerns. I also sent certified mail requests directly to XXXX XXXX XXXX seeking clarification regarding ownership of the account, but my concerns were not meaningfully resolved. I have experienced prior identity theft issues documented through a federal identity theft affidavit and later filed a police report regarding fraud and impersonation concerns associated with disputed debts and collection activity. About XXXX weeks after identifying itself as a debt collector, XXXX XXXX XXXX filed a civil lawsuit regarding this alleged debt despite my ongoing written disputes and unresolved identity theft and validation concerns. Multiple entities attempted to collect this alleged debt during overlapping periods, which increased my concerns regarding ownership and collection authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX my XXXX credit report. This account is fraudulent, I wasnt aware or authorized this account. I have tried to contact the company multiple times with the phone number provided by the credit report ( XXXX ) XXXX, but no success on reaching an agent. I have frozen my credit line to protect myself and file for identity theft through FTC. I want XXXX to be removed from my credit report.

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 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NM

Complaint narrative:
Good morning, In XX/XX/XXXX, I was in the process of getting aligners through XXXX XXXX XXXX. I was not aware that the company had filed for bankruptcy in XX/XX/XXXX ; otherwise, I would not have moved forward with the purchase. The same week I was expecting to receive the aligners, XXXX XXXX notified customers via email that they had filed for bankruptcy. As a result, I never used or received any functional services tied to the aligners following that notification. Shortly thereafter, I was unexpectedly informed that I owed a debt related to these services, despite the fact that the agreed-upon treatment and support were never provided. At this point, my health insurance has paid {$1000.00} toward aligners for which no services were ever rendered, and I personally paid a {$250.00} initial deposit. Despite this, XXXX XXXX transferred the account to XXXX XXXX XXXX which later reported the alleged nonpayment to the credit bureaus, negatively impacting my credit. I contacted the collection agency to request removal of the derogatory mark, but my request was denied. I have since disputed the account with the credit bureaus and am still awaiting a response. I also requested debt validation from XXXX XXXX XXXX and have not received any documentation to date. Please see the attached documentation, which includes the timeline of events, a news report regarding the bankruptcy, and confirmation of my refund from XXXX. XXXX refunded my {$250.00} deposit in early XXXX, which further supports that I should not be held responsible for any remaining balance for services that were never rendered as agreed between myself and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation