vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
b'Dear Sir/Madam,\n\nI am still waiting for communication from TD Bank\'s wire department as to the status of a regular domestic wire which is being held for more than XXXX XXXX regular days without explanation.\n\nI initiated a domestic wire from XXXX XXXX to my TD bank checking account on XXXX XXXX XXXX XXXXFunds were withdrawn and I received a confirmation from XXXX XXXX that the wire was completed on XXXX XXXX XXXX XXXX XXXX XXXXI went into a TD Bank branch on XXXX XXXX XXXX and was told that there is no indication of an incoming wire.XXXXI called TD Bank on XXXX XXXX XXXX and was there is no indication of an incoming wire and I would have to contact XXXX XXXX to run a "trace"; as this can only be done by the party which initiated the transferXXXX XXXX ran a trace on XXXX XXXX XXXX as funds were still missing.\n\nI called TD Bank on XXXX XXXX XXXX and a representative was able to find the wire and informed me that it is on hold and an email was sent to the Wire Department for clarification as this is a new procedure.\n\nI called TD Bank on XXXX XXXX XXXX as I did not receive any information as to why there is a hold and when it would be released.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: TX

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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
I am a victim of fraud and identity theft! I reported the company and individuals involved. I have no knowledge of this account. This was not opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IA

Complaint narrative:
Thursday XX/XX/XXXX at XXXX a.m. I called US Bank XXXX and asked to speak with the authorization team or the floor manager. I was put on the phone with someone and explain that XXXX had taken the liberty of charging my card 2 days early, I had canceled the subscription, and that they were holding my funds when there was no valid purchase to hold them. They told me there was nothing they could do, even though I know very well there is, and that I would need to ask XXXX for a refund. But XXXX is not going to give me a refund because they do not have the money because it's being held in Limbo by the bank. I explained this to the gentleman that answered, and he gave me the usual runaround. I am tired of banks making money off holding our funds for one day to 10 days depending on how greedy they are. How many people go into debt because of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX overdraft fees because of funds being held that they have no idea about. This needs to stop. I am tired of my money not being my money. And I'm tired of the banks acting like they do us the favor. When in actuality we are the ones doing the favor by allowing them to hold our money.

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 2026-03-26 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: CA

Complaint narrative:
Company : Goldman Sachs Bank USA XXXX : Credit card -> Problem with a purchase shown on your statement I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card XXXX regarding Dispute Case # XXXX. Goldman Sachs has failed to conduct a reasonable investigation under the XXXX Credit Billing Act by ignoring documentary evidence of a merchant 's failure to deliver services and a mathematical billing error. Key Dates & Amounts : Purchase Date : XX/XX/year> Original Charge : {$850.00} ( XXXX XXXX ) Incident Date : XX/XX/year> Partial Credit Issued : {$85.00} Disputed Amount : {$760.00} The Problem : On XX/XX/year>, my familys visit to XXXX was cut short ( within XXXX hrs after successfully entering the park ) due to a severe ride malfunction that trapped my children at XXXX feet, causing extreme distress. We immediately went to XXXX XXXX. A XXXX XXXX and I formed a new verbal agreement : in exchange for surrendering my family 's physical admission tickets, XXXX would refund the XXXX park tickets and XXXX day of parking. I handed over the physical tickets, and they were permanently confiscated by the merchant. However, XXXX made a processing error. They only refunded the parking fee ( {$85.00} ) and kept the {$760.00} for the tickets they had confiscated. Goldman Sachs has repeatedly closed my dispute, claiming " you agreed to the merchant 's terms and conditions at the time of purchase. '' This automated response ignores my core legal argument and the submitted evidence : a merchant can not enforce a " no refund '' policy after they have physically confiscated the goods ( the tickets ), thereby completely revoking my access to the service. Evidence Ignored by Goldman Sachs ( Attached ) : The Math Error ( Receipt ) : An itemized receipt proving XXXX only voided XXXX " General Parking '' items ( {$85.00} ). They failed to refund the XXXX Park Tickets ( {$760.00} ) as agreed. The Confiscated Goods ( Vouchers ) : XXXX falsely told Goldman Sachs I still have " electronic access. '' The attached electronic vouchers explicitly state in red letters : " THIS IS NOT A TICKET. '' Because the merchant confiscated the physical cardboard tickets, I possess no valid entry media. XXXX Communications : Email threads with the merchant proving my clear rejection of their alternative offers and their refusal to correct the partial refund. Goldman Sachs is allowing a merchant to keep {$760.00} for services not rendered and goods that were physically confiscated. I request a permanent credit of {$760.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/XXXX in XXXX XXXX XXXX XXXX my card was compromised and multiple purchases made at XXXX ( {$7.00} ), XXXX XXXX XXXX ( {$11.00} ), XXXX 's ( {$7500.00} ) and XXXX ( {$8600.00} and {$12000.00} ) totaling {$280000.00}. I noticed these charges on XX/XX/XXXX an immediately reported them to Bank of America ( BOA ). On XX/XX/XXXX BOA denied my claim. I went to BOA on XX/XX/XXXX and asked them to help me with this. The banker tried to call but the dept was closed, so she gave me a number to call, which I called on the XXXX. I requested the claim be reopened and asked for additional investigation including for someone to interview me. Was told charges would be removed and it would take 20-25 days to get a response. Charges were never removed and I received no correspondence. On XX/XX/XXXX I called to follow up and was routed to 3 different people, One person told me the case was reopened. The third person told the fraud charge was denied because it was done from a mobile wallet and the person had my address.To my knowledge I have never had this card in my mobile wallet. I then requested the investigation information be sent to me and was told it would take 5 days to be submitted and 5-7 days to receive. I have not received anything. On XX/XX/XXXX I went to BOA and had them fax a letter I had written describing my activities that day and including my XXXX timeline showing I was nowhere near the store. I received another notification of denial on XX/XX/XXXX. Called fraud line again. This person identified two other potential fraud charges. I knew about them but in the big picture they were so small I did not care. She added those two. One was a XXXX card in New York. I received a notification the NY charge had been accepted but the XXXX charge was not.?? So they admit my card was compromised.I received a letter dated XX/XX/XXXX denying my other claims. This letter included a copy of the letter I had faxed to them that detailed my day and requested investigation information including proof I had ever made a charge before this day using my mobile wallet. There is no indication anything was done with this letter. As of today, I have not received any information requested. I also note that the charges on my bank statement have moved from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I was on a 14 hour tour outside of XXXX. The charges also all now say they occurred in NY. The original charges indicated they were in 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 monetary relief
Consumer complaint received 2026-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DEAR SIR/MADAM, I am submitting this complaint as a consumer to formally dispute inaccurate, incomplete, and unverified information being reported on my credit files. Despite prior efforts to address these issues, the credit reporting agencies have failed to ensure the accuracy and integrity of my credit report as required under the Fair Credit Reporting Act ( FCRA ). Charged-Off Accounts : XXXX XXXX , Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX , Account # XXXX, Date : XX/XX/XXXX, Balance : {$31000.00} XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX, Account # XXXX, Date : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX , Account # XXXX, Date : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX , Account # XXXX, Date : XX/XX/XXXX, Balance : {$20000.00} Inquiries : XXXX, XX/XX/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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: CA

Complaint narrative:
I was offered loan terms to refinance my vehicle, received approval message then the loan was cancelled. The terms changed after the loan offer was approved stating I would need to pay over {$4000.00} to get that offer. This is deceiving and bait and switch practices. I wasted my time on this uploading documents only to find out the terms changed. Plus this marked a credit check on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CFPB Complaint Update Ongoing Dispute and Improper Collection Activity I am submitting this update regarding my ongoing complaint involving my PayPal Credit account serviced by Synchrony Bank. After submitting a formal billing dispute and requesting verification of the account balance due to conflicting information between PayPal and Synchrony Bank, I have now received a letter from Synchrony Bank dated XX/XX/year> stating that this is an attempt to collect a debt. This is concerning because the account remains actively disputed and has not yet been investigated or resolved. To date : PayPal continues to display a {$0.00} balance and does not show the PayPal Credit account Synchrony Bank continues to report a balance of approximately {$5700.00} I have been unable to access or manage the account through PayPal I submitted a formal dispute requesting a full account ledger and payment verification Synchrony Bank has not provided the requested documentation or completed an investigation Despite this, Synchrony Bank has initiated collection activity and is attempting to collect on a balance that has not been verified. I believe this is improper because the balance is disputed and the underlying account records are inconsistent between PayPal and Synchrony Bank. This situation has placed me in a position where : I can not verify the balance I can not access the account through PayPal The creditor is attempting to collect on the balance while the dispute remains unresolved I am requesting that Synchrony Bank : Complete a full investigation of the disputed account and provide a complete account ledger Cease collection activity on the disputed balance until the investigation is complete Ensure the account is reported as disputed to all credit reporting agencies Correct or remove any inaccurate balance or reporting if it can not be verified Additionally, I request that PayPal coordinate with Synchrony Bank to resolve the discrepancy where PayPal displays a {$0.00} balance while Synchrony Bank reports a balance. I am seeking resolution so that the account can be properly verified, corrected if necessary, and accurately reported. Thank you for your assistance.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: PA

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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My mortgage company Carrington mortgage services LLC, is preventing me from being made whole by not releasing my insurance funds that have been paid since December even though a certified property inspector has confirmed inspection is complete over 50 %. I also uploaded receipts which I paid out my pocket to the contractors. Repairs were seized due to lack of funds. My floors are now bare. I have exposed pipes and wires.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX handling of my mortgage payoff. On XX/XX/year>, I wired a payoff amount based on the lenders online instant payoff quote. The lender confirmed receipt of the funds but failed to apply them to my loan for approximately 10 days. I have made multiple phone calls, was assigned XXXX XXXX XXXX since they had noted that I had made multiple phone calls. He had stated that he will I was later told the payoff was {$78.00} short. However, instead of applying the funds and requesting the small remaining balance, the lender continued accruing interest, increasing the balance to approximately {$380.00}. When I disputed the improper interest accrual, I was then told the funds were not accepted and wired payment had been returned today. This is after she had told me minutes earlier that the account could be paid off by paying the {$380.00}. she The name of the supervisor that I spoke with is XXXX XXXX. This is u nacceptable. The lender : Failed to timely apply received payoff funds Continued to accrue interest due to internal delay Provided inconsistent and conflicting explanations Returned funds instead of properly applying them and requesting any small shortage I am requesting : Reinstatement and application of the original payoff funds effective XX/XX/year> Waiver of all additional interest accrued after that date A corrected payoff statement reflecting only any legitimate small shortage Confirmation that the loan will be properly closed without further improper charges I have documentation of the wire transfer, and communications.

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 2026-03-26 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: GA

Complaint narrative:
I am filing a complaint regarding XXXX withholding my funds after the completion of a stated XXXX hold period. My account was deactivated, and I was informed that my funds would be released and deposited within XXXX business days after the hold expired on XX/XX/year> However, despite this communication, I have not received my funds and have not been given a clear timeline for release. I have contacted XXXX multiple times and was told the matter has been escalated, but I am now being informed that no decision has been made regarding my funds. At this point, I am requesting the immediate release of my funds or a clear explanation for the continued delay, as this contradicts the timeframe previously provided. This delay is causing financial hardship, and I am seeking resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I am submitting this complaint regarding an erroneous collection account reported by RADIUS GLOBAL SOLUTION, account number XXXX, with a current balance of {$1200.00}. This account is inaccurately listed under my name and is affecting my credit scores significantly, currently reported as XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. On multiple occasions, I have disputed this debt with all three major credit bureaus. My disputes, filed on XX/XX/year>, and again on XX/XX/year>, were based on the fact that this debt does not belong to me. Despite these efforts, the account remains on my credit report, and I am continuously being pursued for a debt I do not owe. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit reports, and credit reporting agencies are required to investigate disputes within 30 days. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors verify debts they are attempting to collect. RADIUS GLOBAL SOLUTION has failed to provide any valid documentation or evidence to support their claim that this debt is mine. The presence of this account on my credit report is causing me undue stress and financial harm, as it negatively impacts my creditworthiness and my ability to obtain favorable credit terms. This unwarranted collection account is a significant blemish on my credit history, which I am not responsible for. I am seeking the complete removal of this account from my credit reports with XXXX XXXX and XXXX. It is imperative that this issue is resolved promptly to prevent further damage to my financial standing.

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