vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX : Demand for Debt Verification and Deletion from XXXX XXXX XXXX XXXX Dear Sir/Madam , I am writing regarding my account ( s ) associated with Ascendium Education Solutions . My records indicate the following account ( s ) : 1. Demand for Verification Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to request verification and validation of any debt reported to a credit bureau. I formally request that Ascendium Education Solutions provide legally admissible documentation proving : That I am legally obligated to repay this debt. The original creditor and the chain of ownership of the debt. The exact amount claimed, including any interest, fees, or charges. Documentation that this debt is valid and enforceable. Until such proof is provided, you are required to cease all reporting of this alleged debt to any credit bureau. 2. Demand for Deletion Due to Discharge It is my understanding that this debt has been discharged through [ specify discharge program, e.g., Borrower Defense to Repayment ]. According to the FCRA, 15 U.S.C. 1681s-2 ( b ), reporting inaccurate or misleading information is prohibited. Continuing to report this account as delinquent, outstanding, or in default constitutes a violation of federal law. Accordingly, I demand that : Ascendium Education Solutions immediately update all credit reporting agencies XXXX XXXX XXXX XXXX ) to reflect that this debt has been discharged or completely delete the account. All records showing any balance, delinquency, or collection activity be permanently removed from my credit file. Written confirmation from Ascendium Education Solutions within 15 days that these actions have been completed. 3. Notice of Potential Legal Remedies If Ascendium Education Solutions fails to comply with this request, I am prepared to take action, including : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory authorities. Pursuing legal remedies for willful violations of the FCRA, which may include damages, attorney fees, and statutory penalties. This letter serves as a formal notice of dispute and demand for immediate correction of my credit report. Please treat this matter with the urgency and seriousness it requires. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
CFPB against Goldman Sachs Bank USA XXXX XX/XX/XXXX, a {$150.00} charge appeared on my Apple Card from " XXXX XXXX '' ( merchant : Americanbystander ). I filed a dispute ( XXXX ). Goldman Sachs denied it with a boilerplate response : " recurring payments are agreed to as part of the merchant 's terms and conditions. '' This determination ignored documentary evidence I submitted showing I never confirmed a renewal a written XX/XX/XXXX email to the merchant explicitly conditioned any new subscription on a response from the merchant that never came. I received no product and no advance renewal notice. I appealed the denial in writing and through chat. Goldman Sachs re-opened the investigation under new case XXXX ( deadline XX/XX/XXXX ) confirming their original denial was inadequate. My additional concerns with Goldman Sachs 's dispute process : - No email address exists for dispute correspondence customers are forced to use phone and chat channels that generate no customer-side audit trail - Representatives can not view documentation submitted in prior chat sessions, forcing customers to re-submit evidence repeatedly- I was transferred between multiple agents and departments within a single inquiry, each requiring me to repeat the same information Desired resolution : Permanent reversal of the {$150.00} charge and improvement of Goldman Sachs 's dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing a {$320.00} loan issued by Affirm for a purchase from XXXX. The merchant has confirmed in writing that no order exists under my account and they never received any order associated with this loan. Despite this, Affirm claims the loan was authorized and states I am responsible for repayment. I am requesting that this loan be investigated and removed, as there is no valid underlying purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OR

Complaint narrative:
XXXX in fees Out of {$95000.00} Subject : Rebuttal CFPB Complaint No. XXXX To Whom It May Concern, Your response to my complaint largely repeats internal conclusions but fails to provide the documentation that was specifically requested. Your letter states that our investigation shows that on XX/XX/XXXX, you upgraded your Cash App account to a XXXX XXXX XXXX account within the app. However, your response provides no documentary evidence supporting that assertion. If such an upgrade occurred as you claim, Cash App should be able to provide verifiable records demonstrating that I knowingly and affirmatively authorized this change. This would typically include items such as : a timestamped authorization log a record of the in-app consent prompt presented to the user confirmation that the XXXX XXXX XXXX terms were accepted device or session records showing that I initiated the upgrade None of this documentation was included in your response. Simply stating that internal records show the upgrade occurred does not constitute proof of user authorization. This documentation is particularly important because the classification of the account as a XXXX XXXX XXXX account resulted in substantial financial consequences, including approximately {$30000.00} in processing fees being assessed on transactions that were not business income. Many of the transfers referenced in the 1099-K consisted of personal transfers, reimbursements, or financial assistance between friends and family. These transactions were not business revenue. Your response also states that Cash App is not able to change a transactions value on a 1099-K form or remove a Form 1099-K once it has been generated. However, companies that issue 1099-K forms are responsible for ensuring the accuracy of the reporting and may issue corrected 1099-K forms when reporting errors occur. Directing me to reconcile the numbers myself does not address the underlying reporting issue. Additionally, your letter confirms that on XX/XX/XXXX I contacted support to downgrade the account to a personal account. While this demonstrates that I requested the downgrade, it does not provide evidence that I initiated or authorized the original upgrade. Because of these unresolved issues, I again request the following : 1. Documented proof that I affirmatively authorized the conversion of my account to XXXX XXXX XXXX on XX/XX/XXXX. 2. The internal authorization logs and audit records associated with that event. 3. A full review of all business processing fees assessed during the period the account was classified as a business account. 4. Review and correction of the 1099-K reporting if transactions were improperly categorized as business income. Until verifiable documentation of consent is provided, your response does not adequately resolve the concerns raised in my complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Opened a credit card with Chase Bank yesterday. The terms of the agreement said that if I spent {$500.00} in the first 90 days of opening the card I would get {$200.00} in a cash reward. The bank also said that I could immediately use the card when I opened my account by adding it to online pay providers like XXXX XXXX. However, this is a lie and you need the card first to do so. I chose the Chase Bank card specifically because of this since I needed to make some big purchases as soon as possible ( purchases Im able to pay back immediately ), but now I can not do that and get the advertised cash bonus because XXXX have to use my debit card. I emailed them but all they will do is ship is quicker which still will be too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
Ive gotten XXXX XXXX XXXX they repossessed in another one for {$410.00} a month

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 2026-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> for the amount of {$840.00}. The company has sent numerous documents by mail, and also telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
As I searched online, XXXX rewards card was acquired by a new company, which is XXXX. They acquired XXXX rewards card back in XX/XX/XXXX. Note that XXXX rewards card was previously owned by XXXX XXXX and XXXX XXXX. Around XXXX or XXXX of XXXX, I was notified by my credit bureau that I owe money from Barclays. I was surprised to found out that I have a XXXX account. ( I previously owned XXXX under them but that was from XXXX XXXX and it was currently closed at the time ) I called the department and reported it as XXXX. They explained to me that XXXX rewards card was recently acquired by XXXX. I told them that I did not know that my XXXX rewards card was still open and I did not know that XXXX rewards card was acquired by Barclays. Theres nothing in writing that notify their customers that theyll be the new XXXX reward card owner. A lot of factors have changed, including my phone number and address. Now the investigation has concluded and the case didnt favor me and the proof they have is my application for this card. The application of this card was verified with a drivers license which is enough proof according to the investigation department. I originally applied for XXXX Rewards card under XXXX XXXX back in XXXX ( estimated year ). I havent used that card ever since and next thing I know I owe money to XXXX. I never applied for a XXXX XXXX rewards card, if you get XXXX XXXX. The proof of what XXXX was talking about is not credible at all. I want to have a video or picture as a proof for this matter. I suggest to other people, do not get Barclays as your bank or credit bureau. Save your time and avoid the head ache. In addition, those scammers used my bank to pay their balance. I immediately froze my bank and reported to them that it was fraud. And they gave me a new bank account number.

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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding NCB Management Services and the reporting of an alleged deficiency balance following a vehicle repossession. I requested documentation from NCB Management Services to validate the amount being reported and to identify the original account information related to this alleged debt. I specifically requested information showing the original loan agreement, the date of the contract, the repossession and sale details of the vehicle, and how the remaining balance being reported was calculated. NCB Management Services has not provided the requested documentation. Additionally, the information being reported appears to contain incorrect details regarding the date of the contract. Despite my request for information and dispute of the account, the company continues to report this account to XXXX. Without providing documentation supporting the amount owed and correcting the inaccurate information being reported, the debt can not be properly verified. A fair resolution would be for NCB Management Services to provide complete documentation showing the original loan agreement, repossession and sale details, and a full accounting of how the deficiency balance was calculated. If the company can not provide documentation verifying the accuracy of the account, I request that the account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year>, I sent {$700.00} through XXXX using the U.S. Bank mobile app. The payment was sent using the XXXX directory entry associated with a specific phone number belonging to the intended recipient. The intended recipient also banks with U.S. Bank, has used this phone number for over a year, and has had it linked to their account since obtaining it. They have never had any other bank accounts. However, the payment was delivered to an unintended recipient because the phone number was still linked to a previous XXXX user at XXXX XXXX XXXX XXXX later confirmed that the phone number had been associated with an existing account and removed it from their records after this incident ( Claim # XXXX ). We became aware of the issue when the intended recipient received an SMS notification about the XXXX transaction that they did not receive. After discovering the misdirected payment, I contacted U.S. Bank and opened a claim requesting recovery of the funds ( Claim # XXXX ). U.S. Bank denied the claim on XX/XX/year>, stating that the XXXX transaction worked as intended, despite the payment being routed incorrectly due to outdated or incorrect XXXX directory information. A second claim was opened ( Claim # XXXX ) but was denied on XX/XX/year>XXXX on the grounds that a prior investigation had already been completed. I called U.S. Bank again after the second denial, and I was informed that there was nothing further they could do. During this call, I was also told that I had done nothing wrong based on the information that was available to me through the U.S. Bank app and the XXXX XXXX. The intended recipient also contacted both U.S. Bank and XXXX XXXX on XX/XX/year>XXXX XXXX XXXX confirmed that they were able to identify the account that received the funds using the phone number and verified the amount received, but stated they could not disclose the identity of the unintended recipient. They advised that the senders bank should initiate a formal request for return of funds. U.S. Bank informed the intended recipient that the sender must file the claim. I am requesting that U.S. Bank work with XXXX XXXX to recover the {$700.00} that was delivered to an unintended recipient due to incorrect or outdated XXXX XXXX XXXX. I also request that this matter be reviewed as a potential electronic funds transfer error under applicable consumer protection 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 monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My billing address and home address on my Chase account have been repeatedly and automatically overwritten with an incorrect address without my authorization. This incorrect address does not belong to me and has been erroneously associated with my credit file. I have manually corrected my address on the Chase account multiple times over the past several months, but the account automatically reverts to the incorrect address every few months. I most recently corrected my address a few days ago. I have contacted Chase customer service by phone on multiple occasions, but representatives were unable to stop the automatic address updates or provide a permanent fix. The incorrect address has been identified and removed from two of the three major credit bureaus ( XXXX and XXXX ). However, XXXX still shows the incorrect address, which appears to be the source Chase is using to automatically overwrite my account information. I am requesting that Chase immediately stop overwriting my address with unverified third-party data, and implement a permanent account-level fix to prevent future unauthorized address changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I lease a motor vehicle from Hyundai XXXX XXXX. They were supposed to pay an excise tax bill for me last year for the remainder of the year and I was supposed to reimburse them. They claimed they never got it, so the bill went unpaid. I contacted the city hall where I live today and they notified me of this. The city hall also informed me that I could not pay the bill because the vehicle is not registered in my name. I contacted Hyundai XXXX XXXX today and asked them if they could request a copy of the bill from the City Hall where I live. I was informed by a supervisor there that it was not their job to do that. Now this excise tax bill will have penalty and interest added on it. I do not feel that I should be responsible for these penalties and interest. I do not believe that Hyundai XXXX XXXX has acted in good faith.

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased and financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. XXXX acted as both the selling dealer and the finance company in this transaction. Within four ( 4 ) months of purchase, the vehicle suffered complete motor failure. I incurred the following out-of-pocket expenses as a direct result : One week without transportation Upfront rental car costs Towing fees to three separate locations Warranty deductible for motor replacement Approximately {$1200.00} {$1500.00} in total unexpected expenses The vehicle remained in the repair shop for over sixty ( 60 ) days. Upon return, the same motor defect reoccurred within thirty ( 30 ) days, confirming the repair was inadequate. These failures violate the Texas Finance Code and constitute unfair, deceptive, and abusive acts and practices under federal consumer financial law. Additionally, because XXXX serves as both dealer and financier, they are subject to the FTC Holder Rule, making the vehicle 's defects a valid defense against the outstanding debt.

Company response to consumer: Closed with explanation