vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
" To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Afterpay regarding a dispute for a purchase made through their service with a merchant ( XXXX XXXX ). I attempted to cancel my order after receiving the XXXX XXXX because I was unable to complete the molds. The merchants refund policy clearly states that if the XXXX XXXX has been shipped, a cancellation is still eligible for a partial refund with a cancellation fee ( 15 % ). I explicitly requested cancellation and agreed to the cancellation fee in writing. In response, the merchant stated that they could not issue a full refund due to the XXXX XXXX being shipped, which confirms that a partial refund was applicable under their policy. However, despite this, the merchant ultimately refused to provide any refund and instead attempted to continue the order by offering additional kits and discounts. The merchants later dispute response contradicts both their policy and prior statements by claiming all sales are final and referencing a different cancellation fee, which is inconsistent with their published terms. Additionally, the merchant stated that a refund was in processing but would only be completed if I closed my dispute, which raises serious concerns. I provided all of this documentation to Afterpay, including the merchants refund policy and communication records. Despite this, Afterpay denied my dispute twice without properly addressing the evidence or these inconsistencies. I followed the merchants stated cancellation terms and am being required to pay for a product I attempted to cancel in accordance with their own policy. I am requesting that Afterpay conduct a proper review and issue a refund in line with the merchants published refund policy. I made this purchase on XX/XX/XXXX. The amount financed was {$780.00} which is {$1000.00} with interest through Afterpay. I first requested to cancel the item on XX/XX/XXXX, and then again on XX/XX/XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCF Intermediate Holdings LLC
State: NC

Complaint narrative:
Dear Debtor, We are writing to inform you of an outstanding balance on your account with XXXX XXXX / Speedy Cash. According to our records, the current balance due is {$1400.00}. We understand that financial circumstances can change, and we encourage you to contact us on or before XX/XX/year>, to discuss available payment options or possible arrangements. Account Summary

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: NE

Complaint narrative:
XXXX Debt Collector XXXX Reference # XXXX Call XXXX or XXXX I have no debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am a Chime member filing this complaint regarding two primary issues : ( 1 ) An unauthorized {$9.00} transaction from XXXX on XX/XX/year>, and ( 2 ) A failure by Chime Member Services to provide reasonable accommodations for my XXXX ( XXXX ) during the dispute process. 1. Unauthorized Transaction : I noticed a charge for {$9.00} from XXXX. I do not have a XXXX account and did not authorize this charge. When I contacted Chime support via chat to dispute this, the agents ( identified as " XXXX '' and " XXXX '' ) refused to open a formal dispute and instead repeatedly sent automated scripts telling me to call a phone number. 2. Violation of ADA / Failure to Accommodate : I explicitly informed the Chime agents that I am XXXX and required assistance navigating the dispute process via the chat interface as a reasonable accommodation. Despite this disclosure, the agents ignored my request, continued to send repetitive, non-responsive scripts, and failed to provide effective communication. This constitutes a barrier to financial services and a violation of the Americans with Disabilities Act ( ADA ). 3. Attempted Resolution : I have provided screenshots of the chat where I clearly stated my XXXX and the issue with the unauthorized charge. Chime has failed to investigate the fraud or address the discriminatory handling of my support request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Agencies, Inc.
State: TX

Complaint narrative:
Repeated calls day and night constantly. Non-stop, you answer, they coach you out. And then you hang up on you. Then, call you again constantly from XXXX XXXX in the morning. All the way to XXXX XXXX. The next morning, non-stop, multiple calls and texts from action depth of XXXX. They call from random numbers like spoof numbers. I block them all yet they still call back. I don't know this company never worked with this company. I don't understand why they're calling me constantly. One of the phone numbers XXXX. The other number is XXXX. They also have another number, which is XXXX one 's name is XXXX.The other one is XXXX XXXX and then XXXX XXXX, who keeps constantly calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
ollection XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : ending in XXXX Amount : {$210.00} Date Assigned : XX/XX/XXXX I do not recognize this account and have no knowledge of this debt. I have never entered into any agreement with this creditor. I am requesting full validation of this alleged debt, including : Signed contract or service agreement Complete payment history XXXX this account belongs to me XXXX of legal authority to collect If this information can not be provided, this account must be deleted immediately. ADDITIONAL INACCURATE ACCOUNT XXXX XXXX Collection Services Amount : {$440.00} Reported : Around XX/XX/XXXX This account is also not mine, and I dispute it in full. Please investigate and remove if it can not be verified. REQUEST FOR ACTION I am requesting that you : Conduct a full and reasonable investigation Remove all unauthorized inquiries listed above Delete all unverified collection accounts Provide written confirmation of all deletions and corrections NOTICE If these items can not be properly verified, they must be removed in accordance with the Fair Credit Reporting Act ( FCRA ). Failure to correct this inaccurate reporting will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.UNAUTHORIZED HARD INQUIRIES The following hard inquiries were made without my knowledge or authorization : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with any of these companies and did not authorize access to my credit report. Under FCRA Section 604, a company must have a permissible purpose to access my credit file. These inquiries were made without my authorization and therefore violate federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I notified the company that I was in a current XXXX XXXX gave my case number along with the attorney information. I believed this debt was included in the XXXX XXXX and the attorney also stated that any communication should be sent to them because of the automatic stay. This company did not send the information to the attorney 's office, instead, it was sent directly to me which is in violation of the automatic stay. The validation information also did not list a complete breakdown of the charges, just the last monthly statement prior to a charge off. There is no information on the account about payments being made nor if/how they were made. It only lists my name as the debtor. All of this information should of been sent to my attorneys office which they already have that info per the letter sent to them. This is NOT the only debt they have purchased that is in my name which seems fishy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
This complaint concerns my late fathers Chime checking account. My father passed away on XX/XX/year>. On XX/XX/year>, unauthorized debit card transactions totaling approximately {$1400.00} were made by a woman without permission. A police report has been filed and law enforcement is involved. I contacted Chime multiple times and was told by three representatives that the account would not be closed due to the active fraud claim and investigation. I provided the requested death certificate and identification documents. Despite this, the account was closed and only {$400.00} was acknowledged, with no reimbursement of the fraudulent transactions. I was unable to reach the fraud department and could not get clear answers. I am requesting reimbursement of {$1400.00}, release of the remaining {$400.00}, and preservation and access to account records for the police investigation. The total amount owed is approximately {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Company : Waypoint Resource Group Amount : {$610.00} Status : Disputed Not Mine I am filing this complaint after repeated failed attempts to resolve a fraudulent and unverified collection account being reported by Waypoint Resource Group. Detailed Timeline & Pattern of Noncompliance : XX/XX/2026 : Waypoint Resource Group reported a {$610.00} collection account on my credit report. I have no contractual relationship with this account. XX/XX/2026 : I disputed the account directly, clearly stating the debt is not mine and requesting validation. XX/XX/2026 : I contacted the company again and provided full identifying information to assist their investigation. No documentation or verification was provided. XX/XX/2026 : I submitted a second formal dispute demanding proof, including a signed agreement and full account history. No response or validation was received. XX/XX/2026 : Follow-up attempt made. The account remained unchanged and continued to be reported. XX/XX/2026 : I issued notice that I would escalate to federal regulators if unresolved. Waypoint Resource Group still failed to correct or validate the account. Violations & Legal Concerns : Waypoint Resource Group has demonstrated willful noncompliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by : Failing to conduct a reasonable investigation after multiple disputes Continuing to report inaccurate and unverified information Failing to provide any competent evidence that I am responsible for this debt Ignoring direct consumer disputes and escalation notices This behavior indicates a systemic failure to comply with federal law, not a simple error. Harm Caused : The continued reporting of this invalid account has negatively impacted my credit profile, financial opportunities, and overall standing. This damage is ongoing and entirely preventable.

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 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I have yet to receive any notifications from XXXX XXXX via mail. I never received the odometer report of resell of the vehicle, the letter of repossession with the date, or balanced owed. They are reporting to the credit bureaus that I own {$10000.00} plus which seems very suspicious. My residents have changed in the last 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
To recount the situation for the record : I received an email that appeared to be from Robinhood about a security breach on my account. I was connected with individuals who presented themselves as Robinhood security representatives. They informed me that an unauthorized user from XXXX had been added to my account and that they were escalating the investigation. To build trust, they explicitly told me that Robinhood would never ask for my account information over the phone. After speaking with the person, I was instructed to move my investments from the Robinhood app to the Robinhood Wallet app, their legitimate cryptocurrency platform. I was told not to share my seed phrase at any time. Because my transfer limit was {$5000.00}, I transferred {$4900.00} USDC on XX/XX/XXXX. I was then told to upgrade to Robinhood Gold to increase my transfer limit, so I could move the remaining funds to safety before the alleged scammers could reach them. The caller contacted me again, and I transferred an additional {$6600.00} USDC to the Robinhood Wallet. No other action from me was done in furtherance of the scam. I had every reasonable expectation that funds held on Robin Hood 's platform were secure. The wallet that I moved my money to was my own personal wallet. The scammer on the phone did not provide me with this wallet. Furthermore, I did not provide them with any information regarding my crypto wallet. I did not provide them with the blockchain address in any way, which would have been the only way for a person to access my account and take my cryptocurrency. Moreover, I did not provide the scammer with any of my login credentials, click on any links, or download any malware that would have given them access to my account. After moving my cryptocurrency to your Robinhood cryptocurrency platform, my account was drained on XXXX XXXX XXXX XXXX. The wallet that the scammer transferred money to was XXXX. This is not my wallet address, and I did not personally send any money to this wallet. I did not initiate or authorize this outgoing transaction. The funds were taken from my Robinhood Wallet without my knowledge or consent. Once I found out I had been scammed and that my account had been drained, I contacted Robinhood immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK
State: TN

Complaint narrative:
I'm a victim of identity theft. I have sent written requests to be removed from the COMMERCE BANK {$24000.00}. They have received that certified letter. I have already filed with the FTC as well, and I have yet to hear from them, and my credit is still being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a highly sophisticated spoofing and account manipulation scam resulting in a fraudulent transfer of {$1700.00}. The scammers perfectly spoofed Navy Federal Credit Union 's official customer service number. Crucially, simultaneous to this call, there was anomalous security activity on my account. My trusted mobile banking app suddenly dropped its biometric login token, forcing a hard manual login. The scammers used this exact system anomalywhich Navy Federal 's backend security clearly detected but failed to lock downto convince me that my account was actively being breached by a third party. Because my app was acting erratically, corroborating their exact story, I was placed under extreme duress. Believing I was following official Navy Federal IT protocols to protect my money, I was manipulated into transferring {$1700.00} out of my checking account via a third-party transfer app linked to my debit card. I immediately reported the fraud to Navy Federal. On XX/XX/year>, Navy Federal officially denied my claim, stating the transaction was 'authorized. ' They are completely ignoring the fact that my account 's security state was actively being tampered with prior to the transfer, which allowed the scammers to manipulate me in the first place. Following the denial on XX/XX/year>, I submitted a formal request to Navy Federal for the complete investigation report. I specifically demanded the backend security and login logs from XX/XX/year>, to prove my trusted device 's biometric token was dropped immediately prior to the disputed transfer. I am requesting a full reversal and courtesy refund of {$1700.00}, as the bank 's security protocols detected an anomaly but failed to protect my account from a highly coordinated attack.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
transfer funds from discover savings account to XXXX savings account but went to the wrong account XXXX number. amount of {$21000.00} is to be transfer on XX/XX/year> to the wrong account. would like to action taken before the actual transfer on XXXX. XXXX XXXX can freeze the account if they have the full account number but discover refused to supply the full account number because it is a security matter. please advise me the steps I should take the funds recover. addition info : discover account ending : XXXX XXXX account XXXX wrong account ending : XXXX ( fund went to this account which is not our account )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Since opening a complaint last week ( complaint # XXXX ) the mortgage company has sent me another statement correcting the past due for XX/XX/year>, showing it as paid but still attempting to charge me now {$1100.00} in advances made on my behalf while in a XXXX XXXX bankruptcy. There is no proof of any payments made on my behalf, nor are there any approved charges/fees/advance payments and such approved by the XXXX XXXX bankruptcy court which is a violation of the bankruptcy Rule 3002.1 in an active XXXX XXXX, which specifically governs mortgage claims in a XXXX XXXX. They can't just not notify me, bypass filing with the court any mortgage changes or quietly increase my payments. I object this improper and false charge and request an itemized statement of the " advance '' with dates and reasons for each charge, proof of payment ( tax bill, insurance invoice, etc. ) I have proof of all my court filings.

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