vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account appears to have been attributed to me without any documentation that I can identify or verify.

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 2026-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OK

Complaint narrative:
Subject : Unauthorized/Unresolved Transaction Refund Not Received After Merchant Initiated Refund Complaint : I am filing a complaint regarding a transaction made using my Cash App Card. I purchased an item from XXXX and later returned it successfully. XXXX confirmed that the return was completed and that the refund was initiated by the seller. However, I never received the refund in my Cash App account. I contacted Cash App to dispute the transaction and provide proof that the refund was initiated but not received. My dispute was denied, and my appeal was also denied. I was instructed to open a new dispute ; however, the Cash App application does not allow me to do so, and support has not provided a way to reopen or properly escalate the case. At this point, I have exhausted Cash Apps internal dispute and appeal process without resolution. I am requesting a full investigation into this transaction and a reversal of the charge or confirmation of where the refund was processed, since the merchant confirms it was issued but the funds were never received. Resolution requested : I am requesting that the transaction be fully investigated and that I receive the refund or a chargeback credit, as the refund was initiated by the merchant but never posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am submitting this complaint regarding Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA, which is part of The Goldman Sachs XXXX XXXX XXXX. In XXXX, I received an email advertisement from Marcus by Goldman Sachs promoting a {$1500.00} bonus if I deposited {$100000.00} into a Marcus XXXX Savings Account and maintained the required balance for three months. I signed up through the promotional link provided in the email and deposited over {$100000.00} in reliance on the terms advertised to me. The promotion, as presented to me, did not clearly state that I needed to enter a separate promotional code. It also did not mention that I needed to confirm eligibility through a bonus tracker or take any additional action beyond opening the account through the promotional link, depositing at least {$100000.00}, and maintaining the funds for the required period. Based on the email and sign-up process, I reasonably understood that using the promotional link and meeting the deposit requirement would qualify me for the {$1500.00} bonus. After contacting Marcus customer service, I was told that my account was not eligible for the promotion. I believe this represents a bait-and-switch. Marcus advertised a substantial {$1500.00} bonus to induce me to open and fund an account with over {$100000.00}, but after I moved my money and satisfied the advertised requirements, Marcus denied the bonus based on an unclear or undisclosed technicality. If a promotional code, bonus tracker, or additional enrollment step was required, that requirement should have been clearly and prominently disclosed in the email, the promotional landing page, and the account-opening process. I moved a significant amount of money into Marcus in reliance on the advertised {$1500.00} bonus. I met the core advertised condition : depositing more than {$100000.00} and leaving the funds in the account for the required three-month period. Marcus should not be able to deny the bonus based on a hidden, unclear, or insufficiently disclosed technical requirement that was not obvious to me when I opened and funded the account. I am requesting that Marcus by Goldman Sachs/Goldman Sachs Bank USA honor the advertised promotion and pay the {$1500.00} bonus. I am also requesting that the CFPB review whether Marcuss marketing and enrollment process for this promotion was misleading, deceptive, or structured in a way that caused consumers to believe they qualified for a bonus while later allowing Marcus to deny payment based on undisclosed or poorly disclosed conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, following approval of my plan change from SAVE to Income-Based Repayment ( IBR ), I submitted a message through MOHELA 's secure portal requesting written confirmation on four specific account questions : ( 1 ) that my qualifying IDR payment count of 84 payments was preserved and not reset to zero following the plan change ; ( 2 ) that I am enrolled under postXXXX XXXX, XXXX IBR terms requiring 240 qualifying payments for forgiveness, not 300 ; ( 3 ) clarification on why my repayment schedule shows a payment amount of {$1900.00} beginning XX/XX/XXXX and whether this will adjust to reflect my actual income-based payment amount ; and ( 4 ) that my recertification date of XX/XX/XXXX remains unchanged. On XX/XX/XXXX, MOHELA responded with a generic template message confirming only that my IBR plan was approved and my payment is {$0.00}. None of my four questions were addressed. I resubmitted all four questions on the same date, explicitly requesting individual written responses to each. On XX/XX/XXXX, MOHELA responded again with a generic template citing the court injunction affecting SAVE as a reason payment count information is temporarily unavailable. However, three of my four questions have no relation to the court injunction whatsoever. I have filed a concurrent complaint with XXXX XXXX XXXX, case number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing a formal complaint against LVNV Funding, LLC for a direct violation of the Fair Credit Reporting Act ( FCRA ) regarding illegal debt re-aging. LVNV Funding purchased a defaulted XXXX XXXX credit card account and is reporting a fraudulent 'Date Opened ' of XX/XX/XXXX on my credit files. I have attached irrefutable email evidence directly from my records proving the account was opened in XX/XX/XXXX and was already severely past due and facing transfer by early XXXX. Because I never made a single payment on this account, the true original date of delinquency is early XXXX. By advancing the date to XX/XX/XXXX, the collector is illegally re-aging the trade line to make it look younger. Furthermore, as a resident of Mississippi at the time, this XXXX default is completely past Mississippi 's strict 3-year statute of limitations and is legally extinguished under Miss. Code Ann. 15-1-3. Because LVNV Funding is reporting an inaccurate opening date and entirely incomplete data blocks ( Worst Status and Late Counts are blank ), I demand this non-compliant trade line ( Account # XXXX XXXX XXXX XXXX XXXX ) be completely and permanently deleted from my XXXX, XXXX, and XXXX credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX for deceptive sales practices ( Bait and Switch ). The salesperson initially showed me an Out-of-the-Door ( OTD ) price ( {$29000.00} ) and promised my vehicle financing would be around {$24000.00}, after I paid {$5000.00} by credit card. However, the Finance Manager stealthily altered the contract and inflated my loan principal to {$30000.00}. They preyed on the fact that I was distracted with my young child at the dealership, withholding clear disclosures and failing to provide me with copies of the documents. When I confronted them today ( XX/XX/XXXX ), they admitted to the padding and agreed to cancel {$3900.00} worth of optional products through XXXX XXXX, but they still refused to refund an unauthorized {$700.00} charge ( real contract list {$25000.00} ) sneaked into the vehicle price. Also, that day was a walk-in purchase, the car was physically already there, I tried to tell the financing manager I can not justify paying {$1200.00} for a service that I didn't use. He says it is dealer fee. If it is, he should told me that day, not until I strongly ask for paper contract and find out today ( XX/XX/XXXX ) They never give me e-contract or paper contract even I request until I go back to XXXX today to ask a print copy. Since the dealership refused to give me a complete copy of the final purchase contract, I request the CFPB to order XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX to produce the signed contract and investigate this bait-and-switch financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted the necessary consent release forms on XX/XX/XXXX in order to lift the legal hold. The law firm confirmed on the same day that they transmitted them to your legal department. As of XX/XX/XXXX, I still have no access to my funds. I was informed that funds would be released 24-48 hours after submission. However, I am now told you only acknowledge receiving the document recently and that I must wait up to 10 more business days. This delay has left me unable to buy groceries, pay rent, or cover transportation, all while my direct deposit continues to be routed to this account. I request immediate resolution and full release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX collection account past due XXXX from XX/XX/year> have me in debt collection and I tried to dispute it but was not successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I am submitting this complaint regarding a mortgage servicing error involving an improper escrow disbursement and PennyMacs failure to correct the issue after being notified. PennyMac used funds from my escrow account to pay property taxes on a parcel that I sold in XX/XX/year>. I no longer own this parcel, and it is not part of the collateral securing my loan. I notified PennyMac of this error on or about XX/XX/year>. Despite that notice, the issue has not been corrected, and I have not received a meaningful explanation. On or about XX/XX/year>, PennyMac disbursed escrow funds to pay property taxes for the aforementioned parcel. This parcel was transferred out of my ownership in XX/XX/year> and is no longer associated with my mortgage. Even so, PennyMac treated it as if it were still part of the secured property and paid the taxes using my escrow funds. I notified PennyMac of this issue on or about XX/XX/year> through their secure messaging system and subsequently via phone on the same day. In that message and conversation, I : * Identified the incorrect tax payment * Explained that the parcel had been sold * Requested that my escrow account be corrected More than 30 days have passed, and the issue remains unresolved. As a result of this error, I have experienced : * An improper withdrawal of escrow funds for property I do not own * An inaccurate escrow account balance * Ongoing concern that future tax payments may also be misapplied * Time and effort spent trying to resolve the issue Based on the circumstances, it appears that PennyMac has not : * Properly administered escrow disbursements as required under 12 C.F.R. 1024.17 ( k ) * Adequately responded to or corrected a reported servicing error under 12 C.F.R. 1024.35 * Updated its internal records or tax servicing systems after being notified of the sale This loan is VA-guaranteed, which carries additional expectations for accurate and responsible servicing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Complaint against Truist Bank for XXXX XXXX XXXX XXXX XXXX, Unlawful Denial of XXXX XXXX, and Violation of Regulation E Document Disclosure Mandates ( 12 CFR 1005.11 ). Description of the Event : I am filing this formal complaint against Truist Bank regarding their egregious and unlawful handling of a debit card dispute. Truist has fundamentally failed to protect my consumer rights under Federal Regulation E ( Electronic Fund Transfer Act ) and Visa network operating regulations, and has actively blocked my right to an appeal. The dispute involves two specific debit transactions pulled directly from my checking account via my XXXX XXXX XXXX ending in the XXXX. These purchases occurred on XX/XX/XXXX Due to an issue with the order, I physically cancelled the service to the store on XX/XX/XXXX. The merchant accepted the return, processed it according to their corporate policy, and issued formal merchant refund slips ( credit vouchers ) proving the return cycle was completed. Despite submitting these physical receipts as irrefutable evidence during the initial claim, Truist summarily denied the dispute. Truists Regulatory Violations and Mismanagement : Unlawful Denial of a Valid Regulation E Claim : Truist closed the case under Visa Debit Dispute Reason Code 13.7 ( Credit Not Processed ) despite possessing clear, physical proof that the merchant acknowledged the debt and initiated the credit cycle. Denial of Due Process and Second Review : Following the wrongful denial, I contacted Truist 's dispute department to request a formal " Second Review '' ( arbitration escalation ), as the merchant 's corporate billing team explicitly verified that the funds are cleared on their end and the posting failure resides strictly with Truist. Truist frontline management flatly refused to grant me a secondary review, effectively terminating my right to appeal. Violation of Federal Disclosure Mandates ( 12 CFR 1005.11 ( d ) ( 1 ) ) : Truist failed to provide me with the documentation, system logs, or investigative findings upon which it relied to reject my claim. Under 12 CFR 1005.11 ( d ) ( 1 ), a financial institution is strictly required by federal law to provide the consumer with copies of all documents and evidence utilized during its error-resolution investigation. Truist has willfully withheld these documents.

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 2026-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Items were purchased from XXXX on XX/XX/XXXX, {$22.00} & XX/XX/XXXX, {$93.00}. Items were never received, and disputes were submitted on the following dates requesting to launch an investigation : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XXXX has failed to acknowledge that the merchant XXXX has not delivered the items in question although the proof has been submitted from the Merchant 's behalf. XXXX indicates that the shipper has provided them and that has not been the case at all. Reaching out to TEMU is never possible since this merchant does not provide U.S Customer Service and their Customer Service Support is non-existent. I purchased items during this time from other merchants and I have paid for these items purchase. I will not pay for something that I have not received since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I applied for XXXX instalment loans, on XX/XX/XXXX and XX/XX/XXXX respectively. I had excellent payment history with affirm at XXXX percent apr in the past but most recently those XXXX loans have apr percentages above XXXX percent. I inquired Affirm about this and the XXXX as well as rs XXXX, they told me to gather a commander 's letter, my orders, and a letter from my housing office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CA

Complaint narrative:
I disputed a transaction on XX/XX/year> for the amount of {$820.00} from the merchant XXXX XXXX for XXXX {$100.00} Visa Gift Cards to be distributed among my employees. The visa gift cards arrived and were NOT activated, I checked the support options and because the order were physical gift cards, they were not returnable. As shown on the images I submitted of the live chat, I contacted live chat support immediately and the first agent checked the gift cards and agreed they were defective and offered to refund the items for the full amount of {$820.00}, I agreed and accepted the refund of the full amount back to my credit card. After some time, I still had not received the refund confirmation for the full amount so I contacted again and the second agent also offered a refund to the original payment method, and I agreed for the second time. The second agent stated and I quote " the complete refund have been successfully back to the same card that you have been paid using it will be credited within next 3-5 days '' This is shown in the one of the screen shots I provided to the disputes team. This is two different agents agreeing that my order was defective and offered to refund the full amount, both screenshots of the live chat from both agents are uploaded. After some time, I still have not received the email confirmation again. That is when I decided to call Citi bank disputes to dispute the transaction. After two months of no update, I finally get an update that the dispute was resolved in my favor and the temporary credit was permanently credit. I have a copy of the resolution in my favor provided by Citi, however, the next day the resolution was overturned and sided with the merchant. The merchant 's rebuttal was that I did not initiate a return, HOWEVER as previous stated, these items were not eligible for return and the merchant did not ask for the gift cards back and offered to refund to instead. These are all documented in the screenshots I provided. I am confused why I am losing a dispute based off the merchant saying there was no return request received, when two separate employees and one of the two employees stating on record that the refund was already successful and neither employees asked for the order back.

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 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I completed a vehicle trade transaction with XXXX XXXX XXXX XXXX, trading in my XXXX XXXX XXXX toward purchase of a XXXX XXXX XXXX, as reflected in my Illinois XXXX Sales Tax Transaction Return. Despite this completed trade transaction, Westlake Financial continues reporting the traded vehicle account as delinquent with 13 missed payments and a charge-off. This reporting appears inconsistent with the dealerships acceptance of the trade-in and raises concerns that payoff, title transfer, or lender notification obligations were not properly completed. I request investigation into whether XXXX XXXX properly processed the trade payoff and related lender/account closure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit bureau placed it on my account after I called them about another case. It dropped my score and it wasn't my account. I found out about it from XXXX XXXX. Help me remove this account ASAP.

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