vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-06 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

Complaint narrative:
I am submitting this complaint regarding the handling of a chargeback by Goldman Sachs Bank USA, as the issuing bank on a XXXX transaction, which resulted in financial harm to my small business due to a failure to properly evaluate clear and material evidence. 

The chargeback relates to XXXX # XXXX ( USD {$240.00} ) and was submitted by the cardholder under the reason code defective or damaged merchandise. The cardholder received the item as described and subsequently contacted my business solely to request a size exchange, stating that the item was too small. At no point did the cardholder allege that the item was defective or damaged. 

The cardholder returned the item for exchange. Upon receipt, the returned merchandise was inspected and confirmed to be new, unworn, and free from defects. The exchange request was approved and processed. The replacement item was temporarily out of stock, and the cardholder was informed that shipment would occur once inventory became available the following week. 

My business is a small international retailer and, as clearly disclosed at checkout, we provide free international shipping and pay duties and taxes on import to the XXXX. Our terms and conditions, which the cardholder agreed to by checking out, state that change-of-mind or sizing returns are eligible for exchange or store credit only, not refunds to the original payment method. These terms were fully transparent and accepted prior to purchase and form the basis of the contract of sale. 

Despite this, the cardholder initiated a chargeback under the reason code defective or damaged merchandise. This claim is directly contradicted by written correspondence, return inspection records, and transaction history, all of which demonstrate that the dispute concerned size only. Initiating a chargeback under an inaccurate reason code in these circumstances constitutes a misuse of the chargeback process and appears to be an attempt to circumvent agreed and clearly stated merchant policies. 

My business provided documentary evidence to the payment processor and issuing bank and requested clarification regarding how this evidence was evaluated and how the chargeback decision complied with applicable dispute resolution requirements. No meaningful explanation or documentation addressing these points was provided. 

As a result, Goldman Sachs Bank USA allowed a chargeback to proceed under an inaccurate reason code despite clear evidence to the contrary. This has caused direct financial harm to my small business, including loss of funds, chargeback fees, and unrecoverable international shipping and duty costs. 

I am requesting regulatory review of Goldman Sachs Bank USAs handling of this chargeback and its compliance with fair billing dispute resolution obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Actually, the complaint is about the CFPB. You guys are not doing your job. You keep closing my cases. Is this business as usual? Is this just how it is? Because if it is, you tell me, stop wasting your time. We're not going to do anything ; we never will do anything. When we find them, we put the money in our budget so we can all keep our jobs. 

I have no problem with you saying that. For sure, you people think I'm crazy. It's the exact opposite. I know I'm aware of and can see all the XXXX activity. 


Related to complaint. XXXX Usually, people with my intelligence and experience make more money than I do, so these things are generally not an issue. They call it the cost of doing business, even if I made more money and it didn't matter to me. The thousands of dollars that have been stolen on the type of person that fights for the little guy because I constantly ask myself, " What do regular people do? People who don't make the money that I make. People who don't know the things that I know. '' And you're supposed to be here to protect us and you. 

I'm repeating it from another complaint. You literally take the word of Goldman Sachs and Apple when they say, " We investigated. '' So, maybe the CFPB is part of the problem. I don't know ; I'm just saying if you want to be honest and just respond, sir, nothing 's ever gon na get done because we're part of this system that makes the world go around. XXXX it up, then tell me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a chase credit card for over XXXX  years. And XXXX day I was surprised they closed my account without notifying me. I had rewards accumulate over these years. I called the credit card company for the reason they closed it. They said there's no reason and the bank decided to close your account. And all the rewards I gained from the years is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I disputed an I.C. System collection account with XXXX  and XXXX XXXX completed two reinvestigations, and in both cases the furnisher failed to provide any documentation validating the debt. No contract, no itemized charges, no proof of usage or renewal, and no assignment documentation were provided. Despite thisXXXX XXXX marked the account as updated without receiving proof, and the reporting remains incomplete and inaccurate. 

XXXX reinvestigation is still pending, but the furnisher has already failed to validate the debt with XXXX Based on the furnishers repeated failure to provide documentation, I am concerned thaXXXX XXXX  may again accept unverifiable information without requiring proof. 

I requested validation of the debt during both disputes, including supporting documentation. The furnisher did not provide any of the requested information. The bureaus accepted unverifiable data from the furnisher, which does not meet the standard of a reasonable reinvestigation. 

The continued reporting of this unverifiable account is causing financial harm, including reduced creditworthiness and negative impact on credit opportunities.

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 2026-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
My XXXX  federal tax refund of {$2800.00} was seized through the Treasury Offset Program before it was ever deposited into my bank account for an alleged federal student loan that I never applied for, received, or signed. I have never completed FAFSA, signed any financial aid paperwork, or received any loan proceeds. 

After the seizure, the U.S. Department of Education contacted me regarding this supposed debt. I immediately disputed the claim as fraudulent, which appears to be the result of either identity theft or administrative error. I was provided no prior notice of the offset, which constitutes a violation of my due process rights. 

Actions Requested / Resolution Sought : A prompt, full investigation of the alleged loan and the circumstances leading to the Treasury Offset.

Immediate reversal of the offset and return of the full {$2800.00} that was withheld. 

Removal of any fraudulent loan records from my credit and federal student loan history. 

Written confirmation that my identity has been cleared and that credit reporting accurately reflects this. 

Assurance that this matter will not affect my eligibility for future federal benefits. 

Detailed Information : Date of Offset / Refund Seizure : XXXX  tax refund ( seized before deposit ) Amount : {$2800.00} Agency Involved : XXXX Department of Education XXXX Treasury Offset Program Enrollment Period ( for timeline clarification ) : XXXX ( optional ) Prior Correspondence : I formally disputed this alleged debt with the DOE immediately after receiving their notice, asserting that it is invalid.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am formally disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication to me. This is my first awareness of this alleged debt, and I have substantial concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's name, a detailed breakdown of the amount claimed, and documented proof establishing my legal obligation for this debt. All collection activities and credit reporting must stop immediately until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Complaint against : MoneyGram International , Inc. 

I am filing a complaint regarding XXXX failure to provide or complete a refund that MoneyGram has repeatedly confirmed in writing, but which my financial institution has never received. 

Transaction summary Amount : USD XXXX ( XXXX  XXXX including fee ) Financial institution : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Customer name : XXXX XXXX XXXX XXXX has issued multiple written confirmations stating that my transaction was refunded, but my bank has confirmed in writing that no refund or chargeback has ever been received. MoneyGram refuses to provide any traceable documentation ( ARN, chargeback reference, or acquiring bank details ) and has issued contradictory explanations. 

Key facts On XX/XX/year>, MoneyGram XXXX XXXX XXXX Department, case XXXX ) confirmed in writing that my transaction was rejected and that a refund of USD XXXX was processed to my original form of payment on XX/XX/year>. 

On XX/XX/year>, MoneyGram XXXX XXXX XXXX Department, case XXXX ) again confirmed in writing that the transaction was returned via chargeback in the amount of XXXX  XXXX. 

My financial institution ( XXXX ) has confirmed in writing that no refund or chargeback has been received and that they can not trace any refund without an ARN or chargeback reference. 

MoneyGram has refused to provide any ARN, chargeback reference, or documentary proof.

More recently, MoneyGram has stated that the transaction can not be found in their system, which directly contradicts their earlier refund confirmations. 

Concern A completed refund or chargeback must be traceable through standard payment network references. XXXX inability or refusal to provide such documentation, combined with contradictory written statements, raises serious concerns about record accuracy and consumer harm. 

Resolution requested I request that MoneyGram : Provide official documentation proving the refund or chargeback ( ARN, chargeback reference, acquiring bank, and processing date ) ; OR If no refund was completed, formally acknowledge the error and issue the refund without further delay. 

I am attaching copies of XXXX written refund confirmations and my banks written statement confirming no refund was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Global Tel*Link Corporation
State: HI

Complaint narrative:
On XX/XX/year> I went to XXXX website XXXX I attempted to make XXXX {$25.00} deposit into friends account and the payment came back as declined, I was puzzled as I used this website before and had no problem with my card, I re-checked my information and there was a '' TRY AGAIN '' button prompting me to try again which I did again the transaction came back as declined and again I was prompted to " TRY AGAIN ' I repeated this XXXX times before giving up and called Customer Service, and asked them why my card was being declined as I used it before with no problem, I was then told by Customer Service all XXXX transactions went through and I was charged {$25.00} XXXX times, I explained to Customer Service all payments were declined and I was prompted to retry the transaction and it was not my fault but a malfunction with the website Customer Service refuses to refund me for the duplicate charges even if it was their fault. 
I really honestly feel this was all done intentionally with malicious intent. I have contacted my bank XXXX minutes after transaction took place to DISPUTE XXXX seperate {$25.00} overcharges to my account. This is shady deceptive business practices and really theft, Can you please help me get my refund of {$75.00}! 
The transaction # for the fraudulent transaction is : XXXX. Thank you so much for your help and XXXX bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
Credit Corp Solutions Inc XXXX XXXX Filed a lawsuit in XXXX XXXX XXXX XXXX, XXXX, on XX/XX/XXXX, for old paid debt from XXXX, asking for {$2900.00} small claims court. That exceed collection statute of Limitations under the XXXX  XXXX. I recall getting this XXXX  years ago, making years of several payments. Then XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, in XXXX  for the same debt that this company is trying to collect as a third party. 

I have contacted my Attorneys at XXXX XXXX XXXX ( XXXX ) XXXX. I am no longer a XXXX  of XXXX XXXX XXXX XXXX, XXXX. And I, according Fair Debt Collection Practices Act ( FDCPA ) Filing a lawsuit and or false information misleading about my name about a debt is unlawful in a state jurisdiction where I do not reside.

The Furniture had insurance, and the Credito refused to honor the policy that they offered in-store in XXXX, XXXX. This case should be dismissed for suing in the wrong jurisdiction and violation of the Consumer Protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Charged interest or feed not properly disclosed I obtained an installment loan from willow lake lending on XX/XX/XXXX2025 in the principal amount of {$1200.00}. I have since made XXXX monthly payments of {$570.00} totaling {$4000.00}, which already exceeds XXXX times the amount borrowed. 

Despite these payments, i have learned very little principal has been reduced to be repaid under this loan is {$9200.00}, including {$8000.00} in finance charges. 

At the time I entered into this agreements, the true total case of the loan and the manner in which payments would be applied were not clearly or understandably disclosed. While an APR figure appeared in the documents, the practical effect of the payment structure was not explained, specifically that : - Monthly payments would be applied primarily to finance charges, not principal. 

- Paying for months would result in little to no reduction of the loan balance. 

- The total repayment amount would exceed XXXX times the amount borrowed. 

A reasonable consumer reviewing the payment amount of approximately {$570.00} per month would not understand that the loan was structured in a way that causes the borrow to replay thousands of dollars before meaningfully reducing principal. The disclosures did not clearly communicate this outcome in a way that allowed for informed consent. 

I believe that the loan terms were materially misleading, the payment allocation was not transparent, and the true cost of credit was not reasonably understandable at the time of signing, despite being buried in lengthy electronic disclosures. 

I have paid {$4000.00} on a {$1200.00} loan and still face a remaining balance exceeding {$5000.00}. This loan has caused significant unexpected financial harm due to the lack of clear disclosures regarding how payments would be applied and the true cost of repayment. 

Loan Number : XXXX Dates of Payment : XX/XX/XXXX XXXX XXXXXX/XX/XXXX Total Paid to date : {$4000.00} Principal Amount Borrowed : {$1200.00}

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 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any prior notification or communication. This is the first awareness I have had of this alleged debt, and I have significant concerns about whether this account is accurate or even belongs to me. Under the Fair Debt Collection Practices Act, I have the legal right to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this right and demanding that you provide full validation, including the name of the original creditor, the total amount claimed, and documented proof that I am legally obligated to pay this debt. All collection activities and credit reporting must stop immediately until proper validation is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: NC

Complaint narrative:
dailypay sent my paycheck on friday to a debit card i didnt authorize them to send my check to. it was being scheduled to be sent out in my bank account. and when i called to see if it can be reversed they refused and did t care how much of a liability my job just lost me being a night shift employee. because dailypay refusing to give correct wages and paycheck and making me wait XXXX  days to get my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am disputing a collection account from your agency that has appeared on my credit report without any prior notice or communication to me. This is my first awareness of this alleged debt, and I have significant concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's information, a detailed itemization of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must cease immediately until proper validation is furnished.

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 2026-02-06 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: Block, Inc.
State: IA

Complaint narrative:
URGENT : CASH APP/BLOCK INC. REG E VIOLATIONS IDENTITY THEFT, FAILED INVESTIGATIONS, NO PROVISIONAL CREDITS CAUSING EVICTION/WATER SHUTOFF IN FREEZING IOWA. 

1. XX/XX/year> identity theft : Hacker mirrored my phone/emails ( XXXX XXXX ), accessed as me ( $ XXXX account ), pulled checking funds, bought XXXX, sent to XXXX Bank XXXX XXXX Reported immediatelyno full investigation, no refund despite Reg E rules ( 10-day provisional if unresolved ). 

2. XX/XX/XXXX disputes ( e.g., XXXX  {$49.00} XXXX appeal # XXXX ) hit 10 business days XXXX XXXXno provisionals despite policy. Partial {$1600.00} refunds prove validity, but rest stalled/denied inconsistently ( some reps approve/ask evidence ; others ignore hack/deny ). 

3. Account closed wrongfully ( " BTC selling '' flagfalse, partials approved ). No ledger/timeline despite demands. XXXX Bank silent on XXXX complaint. 

4. Reg E violations match CFPB 's $ XXXX fine on Cash App : poor fraud probes, no timely credits, inconsistent handling. Iowa AG # XXXX active. 

Hardships : Eviction imminent, water shutoff, freezing Iowa winter, kids strugglingno heat/food. Demand : Provisional credits NOW, full refunds/ledger within 7 days, account reopen. XXXX XXXX, XXXX, XXXX IA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any prior notification or communication. This is the first awareness I have had of this alleged debt, and I have significant concerns about whether this account is accurate or even belongs to me. Under the Fair Debt Collection Practices Act, I have the legal right to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this right and demanding that you provide full validation, including the name of the original creditor, the total amount claimed, and documented proof that I am legally obligated to pay this debt. All collection activities and credit reporting must stop immediately until proper validation is furnished.

Company response to consumer: Closed with explanation