vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I ordered food on XXXX  for my family and I spent {$42.00}. I paid using my cash app account which I have all proof. The XXXX XXXX came to my drop off location took a picture of my food sitting on the ground and then left with my food. I called the store originally to ask for a refund after 2 days they rejected my refund even with the pictures I sent them for proof. I then made an dispute with Cash App and I also showed them all the proof they sent me an email on XX/XX/XXXX Today saying my dispute was denied and as I explained to them they did not fully review the proof I sent to them because they would have seen that it says refund rejected from the merchant which I dont believe is fair because I never received what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding XXXX  D & A Services , LLC for attempting to collect a debt that I do not owe and have never owed. 

In XX/XX/XXXX, I received a phone call from XXXX D & A Services , LLC claiming that I owed a debt. I clearly informed the caller that I did not recognize the account, that I have never opened or used such an account, and that no such debt appears on my credit reports. Despite this, the representative used coercive and intimidating language, repeatedly suggesting that I might want to check and implying that I owed the debt, even after I denied it. 

I formally requested written validation of the alleged debt. In response, XXXX D & A Services , LLC provided documents described as a Bill of Sale, Assignment, and Summary Account. These documents do not constitute proper debt validation and do not demonstrate that I legally incurred this debt. 

Specifically, XXXX  D & A Services , LLC failed to provide : Any signed credit agreement or contract bearing my signature Any original application for credit Any evidence that I opened, authorized, or used the alleged account The documents provided appear generic and do not establish any legal connection between me and the alleged debt. I believe this is an attempt to collect nonexistent or zombie debt using misleading or insufficient documentation. 

I am concerned that XXXX  D & A Services , LLC is misrepresenting debt ownership and attempting to pressure consumers into paying debts they do not owe. This conduct is deceptive, intimidating, and potentially unlawful. 

XXXX  D & A Services , LLC also provided purported account statements dated as recently as XXXX, described as year-to-date activity. If this alleged account were legitimate and associated with me, it would reasonably be expected to appear on my consumer credit reports. However, no such account or tradeline has ever appeared on any of my credit reports. 

The absence of this alleged debt from my credit history, despite claimed recent activity in XXXX, further supports my position that I did not open, authorize, or use the account in question. This discrepancy raises serious concerns regarding the accuracy and legitimacy of the documents provided and the validity of the alleged debt itself. 

Summary of FDCPA Violations Likely Present 1. Harassment / intimidation ( XXXX ) implied threats of you might want to check 2. False representation ( XXXX ) claiming debt you do not owe 3. Failure to validate ( XXXX ) sending insufficient proof documents after a written dispute 4. Misrepresentation of legal status ( XXXX ( XXXX  ) ) using official-looking documents to imply validity 5. Attempting to collect zombie debt ( XXXX ( XXXX ) ) pursuing debt that may be unenforceable or nonexistent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: CA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for continuing to bill and report delinquent payments on an Apple Card Monthly Installment Plan for merchandise that was fully refunded by Apple and never received. 

On XX/XX/year>, XXXX delivered an XXXX XXXX XXXX to my parents residence in XXXX without obtaining the XXXX signature confirmation. No one was home, and the package was left unsecured. The phone was never received and is not in my possession. 

I immediately contacted Apple, and Apple conducted an investigation and issued a full refund on XX/XX/year>, in the amount of {$1000.00}, which included the financed amount of {$770.00} and a {$320.00} trade-in credit. Apple confirmed that the transaction was fully reversed and that the installment plan associated with this purchase should no longer be active. 

Despite this, Goldman Sachs began charging monthly installment payments of {$32.00} starting on XX/XX/year>. Since XX/XX/year>, I have contacted Goldman Sachs approximately XXXX times, formally disputed the charges multiple times, and participated in several three-way calls with Apple and Goldman Sachs representatives , during which Apple directly confirmed that the transaction was fully refunded and that no balance should exist. 

Nevertheless, Goldman Sachs has continued to : Charge monthly installment payments for merchandise that was fully refunded and never received Fail to properly close the installment plan Report late payments to credit bureaus Cause severe and unjustified damage to my credit profile As a result of Goldman Sachs actions, my XXXX  XXXX XXXX dropped from approximately XXXX to XXXX. This credit damage is entirely unjustified and is the direct result of Goldman Sachs failure to properly process the refund and close the installment plan. 

I have acted in good faith at all times and have made extensive efforts over the past XXXX months to resolve this matter directly with Goldman Sachs. Despite providing documentation and Apples confirmation of the refund, Goldman Sachs has failed to correct their error. Goldman Sachs failure to correct this issue despite clear evidence constitutes inaccurate billing and improper credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing a complaint regarding a residential solar loan connected to a system sold by XXXX XXXX XXXX and financed through Mosaic. 

The solar system was sold to me during an in-home presentation with explicit representations that : My XXXX XXXX would be eliminated The system would generate excess power and financial benefit The loan payment would replace my prior electric costs Federal tax credits would make the system financially advantageous These representations were materially false. 

Prior to solar, my electric bill averaged under {$200.00} per month. After installation, my electric bill alone now reaches approximately {$300.00} {$360.00} per month, and I must also pay a solar loan payment of {$210.00}. 

My combined energy cost is now roughly triple what I paid prior to solar. 

I relied on these financial representations when entering the loan agreement. Had accurate financial performance been disclosed, I would not have entered this financing. 

I am requesting investigation of this loan and assistance in obtaining discharge of the obligation due to deceptive sales practices tied directly to the financing arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Someone got into my account deposited {$4000.00} into my account by checks fraudulently. The bank XXXX ) Released entire amount- which they never do. Once put a check for {$500.00} and they held {$250.00} for XXXX  days. 
XXXX ) When you do online banking they send a email or text that they received your deposit -did n't happen in this episode. I always get emails. Which could have put me on alert, was told was going to be electronically no checks. 
XXXX ) Checks did not have business name on it and back off check had someones signature on it which clearly wasn't me. 

I applied for a loan ( have fake loan agreement which didn't know at time. ) If bank had taken the steps they have done for years banking with them we could have stopped it day XXXX. 

The name the checks came from I have no idea who they are, I think if research was done on these checks, who are these people, who could have access to these checks. They never crossed my hands I never saw them till the bank loaded them in m account the next day and I Immediately closed this account. I did file a claim with the bank and I got attitude. I thought this was a loan and it wasn't. Iv ' e made every attempt to communicate with the bank to fix this. I think a investigation should happen. I've have also filed a complaint with the XXXX Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding an account being reported by The Bureaus on my XXXX credit report. I dispute the accuracy and validity of this alleged debt. This account does not appear consistently across all credit reporting agencies, which raises concerns regarding the reliability and verification of the information being furnished. 

I previously disputed this account, yet it continues to be reported without proper validation or supporting documentation demonstrating that I have a legal obligation for this debt. Under the Fair Credit Reporting Act ( FCRA 1681 ), furnishers are required to report only accurate and verifiable information. 

I am requesting that The Bureaus provide competent evidence of the debt, including the original signed agreement, complete account history, chain of assignment, and proof of their legal authority to collect. If they can not provide this documentation, the account must be permanently deleted from my credit report. 

I am seeking immediate removal of this account from all credit reporting agencies to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received a call ( XX/XX/year> ) from individuals impersonating officials from the XXXX XXXX, followed by someone claiming to be a prosecutor and an XXXX from the XXXX XXXX XXXX ( XXXX ). 
They falsely informed me that my XXXX ID was implicated in a major XXXX crime and XXXX XXXX case. To 'clear my name ' and protect my assets, they instructed me to issue a specific security code and transfer my assets into a 'fixed/secured ' status. 
Under this XXXX XXXX, I transferred {$73000.00} ( XX/XX/year> ) to a XXXX XXXX XXXX account. 
The next day, I became suspicious and searched for information online. I found an official notice from the XXXX XXXX warning citizens about scammers impersonating their staff with the exact same names used in my case. 
I am reporting ( XX/XX/year> ) this to Bank of America XXXX hours after the initial transfer to request an immediate wire recall and a fraud investigation.

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 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: MI

Complaint narrative:
I want to file complaint about Vero credit. They keep putting XXXX cars under XXXX while its falsein formation. I disputed the XXXX accounts with the bureau of credit with prooves and won the dispute everytime. I never missed a payment and cars never been XXXX  but XXXX by defaulted seized the cars for investigation Im not involved in then released them to Vero credit. While the cars were with XXXX I still made my payments. I kept communicating with Vero credit to help me getting the cars back from XXXX and when XXXX released cars to them they refused to give it back to me even though I didnt make any defaults on the loan and forced me to sale the car while it was in their possession. I lost so much money because they only gave me XXXX days to find a buyer after all when the cars was sold and loan was closed they ruined my XXXX XXXX by claiming that the cars was XXXX. I need help to stop them reporting this in my credit report its affecting my life and ruining my XXXX XXXX. Im not able to do anything getting a loan or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
( Capital One Illegal Debt Collection / PostAuction Damage Claim ) Subject : Capital One Attempting to Collect TimeBarred and PostAuction Damage Claim I am filing a complaint against Capital One Auto Finance for attempting to collect an invalid and timebarred vehicle XXXX claim related to a XXXX vehicle. 
Capital One alleges that I failed to repair damage from XX/XX/XXXX. Under XXXX XXXXXXXX XXXX, any action for injury to personal property must be brought within XXXX years. This means any claim related to alleged XXXX damage expired in XX/XX/XXXX. 
The vehicle was XXXX XXXX  and XXXX in XX/XX/XXXX, giving Capital One full possession and the opportunity to inspect it. They later auctioned the vehicle, which legally finalizes the collaterals value under XXXX XXXX XXXX and XXXX. After auction, a lender may only pursue a deficiency balance, not new damage charges. 
Despite this, Capital One is nowyears laterattempting to pursue an insurance claim for alleged damage they never repaired, long after the statute of limitations expired and after the collateral was disposed of. 
This appears to be : - An attempt to collect timebarred debt - A violation of UCC Article 9 postauction rules - A deceptive practice by misrepresenting what I owe - An improper attempt to obtain insurance funds for a legally extinguished claim I am requesting that the CFPB require Capital One to cease all attempts to pursue this invalid claim and correct any records associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
We use a company called square for our XXXX and they have failed to sen us over XXXX dollars of credit card transactions that rightfully owed to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted Current Bank via the chat feature regarding my credit builder account having funds reserved to pay off my balance. I was unaware that I would have funds automatically taken out of purchases and the bank refuses to release my funds from my credit builder card. Their reasoning has been copied and pasted below : I completely understand where you're coming from. I'd like to personally apologize for the inconvenience this has caused you. This is definitely not the experience we would love you to have here. Reserved funds are the amount set aside from your account to cover the purchases made with your XXXX card. When you use your XXXX card, the amount of the purchase is deducted from your account balance, just like with your debit card. Current covers the purchase and reserves those funds until the end of the billing cycle. 

At the end of the cycle, we use these reserved funds to pay off your balance and report this as positive credit history. 

My issue revolves around not being able to have an informed choice to pay off my credit balance manually and my inability to have those funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The issuer reduced my credit limit and later sent an adverse action notice dated XX/XX/year>. I did not receive the notice until after the credit limit reduction had already occurred. On XX/XX/year>, before receiving any written explanation, I sent a written request under ECOA / Regulation B seeking the specific reasons for the credit limit reduction and related disclosures. The issuer did not respond to my written request. The XX/XX/XXXX notice does not provide the information I requested, including details of the consumer report inquiry and scoring model used. I am requesting full compliance with ECOA / Regulation B and related disclosure obligations.

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 2026-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Trust Management LLC
State: TX

Complaint narrative:
Emailed me on XX/XX/year> about this alleged debt. Email only contains how to pay. Doesnt provide much information of the alleged debt. Now XX/XX/year> and havent received the right of written notice. Been 9 business days. This is second violation and of my rights as they called 8 times in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Reason for MLA denial. I am a spouse of an XXXX XXXX XXXX XXXX. I asked AMEX to accept my proof of enrollment in XXXX, MLA, and a photocopy of my military ID so I would receive MLA benefits through AMEX. AMEX denied these requests. 

I have my XXXX XXXX XXXX  enrollment, my military ID, and my XXXX XXXX XXXX XXXX Military Lending Act ( MLA ) Status Report Certificate with Certificate ID all ready to send to AMEX to prove my status. 

For almost a year ( XXXX ), I've been requesting AMEX to confirm my MLA status. Each time, they make me wait 2 months before sending me a denial letter, saying I am not MLA eligible. However, this is false. I've requested multiple times to send AMEX the documentation proof of my MLA status. They will not let me send it. I've also requested to know why I was denied from MLA benefits. They refuse to tell me. They simply say I'm denied and can try again and wait another 2 months to find out. 

My XXXX benefits XXXX apply to two credit cards- XXXX XXXX XXXX XXXX XXXX  ( ending in XXXX ) and my Delta SkyMiles XXXX XXXX ( ending in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
On XX/XX/XXXX, I was granted by my Capital One quicksilver card a balance transfer with 12 months 0 % APR interest for {$9400.00} with a XXXX time transfer fee totaling {$370.00}, which I paid. I signed a contract and the funds were removed from my account XX/XX/XXXX. I made my first payment towards the {$9400.00} on XX/XX/XXXXXXXX  of {$100.00}. At this point, I still had not cash the balance transfer check and it was already negatively impacting my credit score. On XX/XX/XXXXXXXX  I called Capital One and spoke with them requesting a new check be sent out as I no longer had access to the check that they had sent me that I would need a new one printed and mailed. I spoke with two representative that day and I confirmed with the second one that the check was being mailed out and I confirmed my name and mailing address of which the check was being mailed to XX/XX/XXXX. I noticed that the balance transfer amount was once again available on my credit card line, the transfer amount appeared to have been returned. I promptly called Capital One, where they informed me that the agent had made a mistake and had canceled my balance transfer. I confirmed with them that this was not what I had wished and I wanted to continue with my balance transfer offer that I had already signed the contract for, they stated there was nothing further that they could do. They acknowledge that it was their mistake and apologized. They informed me that they could not issue another balance transfer, and that the offer was no longer valid. This took a drastic financial hardship on my end not only did I already make a payment towards the amount, but I had told my other bank account holders that I would be paying off my loan and I had made purchases on my credit card to pay bills with the intent of paying off that credit card with the balance transfer offer of {$9400.00}. This also has caused a drastic drop in my credit score that has still not recovered.

Company response to consumer: Closed with explanation