vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
I called XXXXXXXX XXXX XXXX XXXX XXXXXXXX office to inquire about a possible XXXX loan as advertised. The guy asked a couple of questions and then asked what I was hoping to accomplish. I said a cash out to pay for home repaired and no mortgage payments until I sell or die. As advertised. He said we dont do XXXX loans like that and we dont do free mortgages and hung up. Wow. I was shocked at his unprofessional language and attitude. 

This is the number I called from the fb page : ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Olympus1 LLC
State: FL

Complaint narrative:
This company Alleviate Financial Solutions, LLC has charged nearly {$500.00} in monthly deposits before performing services, fail to provide required disclosures and advise customers to stop paying creditors while offering no guaranteed timeline for debt resolution, leading to damaged credit scores and emotional distress. Upon cancellation of their services, and promise to return a refund, they didnt fully refunded the money. False marketing, pressuring and promising. Not providing details of taking upfront charges before the services. Unwillingness to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: MO

Complaint narrative:
The company is Cash App had it for 10 years it was hacked on XX/XX/year> whatever balance I had in there they paid out to someone in California {$380.00} for a purchase. My account has been in the Fraud dept since then weve gotten established a new account, but they have not reimburse me for what was taken out. They dont seem to understand. Can you help me explain to them what Im waiting for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
operations by providing necessary products, often, though not always, for resale. Many US States have passed privacy legislation, giving you greater control over your personal information. Depending on your state of residence, you may or may not have certain rights related to the personal information Equifax maintains about you. You have the Right to Limit the Use and disclosure of your sensitive personal information. To exercise this right and ask Equifax to limit the use and disclosure of your sensitive information, complete the form below. You also have the Right to Opt-Out of the sharing and selling of your personal information. To exercise this right and ask Equifax to stop sharing and selling your personal information, complete the form below. You also have the Right to Opt-In to the sharing and selling of your personal information. To exercise this right and ask Equifax to begin sharing and selling your personal information 18 U.S. Code 241 - Conspiracy against rights U.S. Code Notes Authorities ( CFR ) prev | next If XXXX or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If XXXX or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than XXXX years, or both ; and if death results from the acts committed in violation of this section or if such acts include kidnapping or an attempt to XXXX, XXXX XXXX XXXX or an attempt to commit XXXX XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Harris in the amount of {$320.00}. 

I have disputed this account multiple times with the credit reporting agencies. Each time, the account was verified without Harris providing proper documentation validating the alleged debt. 

To date, Harris has failed to provide : The name of the original creditor A copy of any signed agreement bearing my signature Itemized documentation showing how the {$320.00} balance was calculated Proof of legal assignment granting them authority to collect and report this debt Verification of the Date of First Delinquency Despite repeated disputes, this account continues to report without competent evidence being provided. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), furnishers are required to conduct a reasonable investigation when notified of a dispute. 

I am requesting that this account be properly validated or deleted if accurate documentation can not be produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
THIS COMPANY PREVIOUSLY STATED THEY WOULD BE REMOVING THIS ACCOUNT FROM MY CREDIT REPORTS. IT HAD BEEN ALMOST XXXX DAYS AND IT IS STIMM SHOWING ON MY REPORTS. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY OR I WILL BE SUING ALL PARTIES INVOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: DC

Complaint narrative:
A collection account has recently appeared on my credit report without warning and is causing immediate harm to my credit profile. I am disputing the accuracy and validity of this collection and requesting prompt removal. 

I did not receive proper notice of this alleged debt, and I have not been provided documentation that substantiates ( XXXX ) that I owe this debt, ( XXXX ) the amount is accurate, or ( XXXX ) that the collector has the legal right to collect and report it. Additionally, I have reason to believe the reporting may be inaccurate, incomplete, or not properly verified, including but not limited to : incorrect balance, incorrect dates, incorrect account status, and/or misattribution. 

I am requesting that the company immediately : Provide full written validation of the debt, including the original creditor, account number, date of default, an itemized breakdown of the balance, and documentation showing the companys authority to collect and report this debt. 

Delete the collection account from all credit bureaus. 

Provide written confirmation of the results of the investigation and all corrective actions taken. 

This tradeline appeared recently and I am seeking expedited resolution, including deletion, because the reporting is actively damaging my ability to access credit and/or favorable terms.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
This is a misrepresentation case. Goldman Sachs has repeatedly denied the dispute without addressing the evidence. I need this escalated to a senior specialist for manual review. '' I am filing this complaint because Goldman Sachs has repeatedly denied my dispute for a transaction that was clearly the result of a scam. I was traveling in XXXX and attempted to take an XXXX. The driver claimed the XXXX system was " not working '' and insisted that I tap to pay on his personal payment terminal inside the vehicle. 
He verbally stated the fare- would be {$50.00}. 

However, when the charge posted to my Apple Card, the amount was {$230.00}, which I did not authorize and did not agree to. This is a clear case of misrepresentation and an unauthorized amount, and it is a known scam tactic used by fraudulent drivers in XXXX. 
I immediately disputed the charge with Goldman Sachs and explained that : The driver misrepresented the price The XXXX app was not used I was forced to tap a personal terminal I agreed to {$50.00}, not {$230.00} The final amount was never disclosed on the terminal screen This was not a legitimate XXXX transaction Despite this, Goldman Sachs repeatedly denied my dispute without addressing the core issue : I did not authorize the {$230.00} amount. Their responses have been generic and do not reflect a proper investigation ur.

the Fair Credit BillingI am requesting that the CFPB require Goldman Sachs to : 1. Reopen and properly investigate the dispute 2. Acknowledge that the amount charged was not the amount agreed to 3. Provide a written explanation for their repeated denials 4. Issue a credit for the unauthorized portion of the transaction I have attempted to resolve this directly with Apple Card support multiple times, but Goldman Sachs continues to deny the dispute without addressing the facts. I am requesting the CFPB 's assistance to ensure a f nd lawful review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX  XXXX  tried suing me for damages that were not there, for rent for months AFTER I moved out, and utilities for months that I did not live there. I had photo evidence of the property when I moved out, I have emails letting them know I was moving at the end of my lease, proof of everything they asked of me. They did not respond to a majority of my communications. We went to court on XX/XX/year> and after providing all of my documentation, the judge dismissed the case against me, and stated I did not owe XXXX  XXXX any money. XXXX  XXXX notified National Credit Systems LLC of the debt, and they put a collection on my credit report. I have had the collection removed multiple times on all of my credit reports, but it keeps getting put back on immediately after removal. I have provided XXXX  XXXX  and NCS the court documents showing I do not owe the money, and asking for removal of the collection for {$10000.00}. XXXX XXXX  says NCS has to remove it, and NCS says they can not remove it until XXXX XXXX  tells them to remove it. This has destroyed my credit report, and I just want it removed immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing a formal complaint against U.S. Bank for failure to honor a business checking promotional bonus. Despite meeting all written requirements, the bank is attempting to deny the bonus by enforcing " hidden '' restrictions not found in the original disclosure. 

Facts of Compliance : Requirement A ( Balance ) : I deposited and maintained over {$25000.00}, satisfying the " New Money '' requirement within the 30-day window and maintained it for 60 days.

Requirement B ( Transactions ) : I completed 5 qualifying transactions. U.S. Banks disclosure explicitly defines " ACH credits '' as a qualifying transaction type. My records show 5 distinct ACH credits totaling over {$25000.00}. 

The Dispute ( Case # XXXX ) : On XX/XX/year>, I contacted customer service. The agent ( XXXX XXXX stated : " Making the deposits is the first requirement and therefore can not also be the second requirement. '' The bank claims that because the ACH credits were used to fund the account ( Requirement A ), they are disqualified from counting toward the 5 transactions ( Requirement B ).

Legal Violation : The written terms do not state that deposits used for the balance requirement are excluded from the transaction count. By adding this " mutually exclusive '' rule after the fact, the bank is in breach of its own disclosure. Any ambiguity in the term " also '' must be interpreted in favor of the consumer under the principle of Contra Proferentem. I have attached the chat transcript where the agent admits to this arbitrary interpretation. 

Furthermore, subsequent interactions with different agents provided conflicting and inconsistent justifications for the denial. One agent claimed the issue was the word 'also, ' while another later claimed that 'funding deposits ' are categorically excluded from being qualifying transactions. This inconsistency demonstrates that the bank is arbitrarily creating new barriers to entry that are not present in the written terms. It appears the bank is exercising unfettered 'discretionary interpretation ' to avoid paying promised bonuses, which creates an impossible and deceptive standard for consumers to follow.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX {$2000.00} Merchant : XXXX XXXX XXXX XXXX {$240.00} XXXX # XXXX I immediately filed a dispute my card was lost and stolen from me & these charges were unauthorized from my account. I made it clear I dont know who used my card and it was not me! They concluded that the charges were authorized. I replaced my card and changed my pin but I didnt get my funds 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 explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
I'm a XXXX XXXX patient who is unable to pay my loan off. I have contacted the loan company multiple times, they states not available for deferment or forbearance or public service cancellation. I have documentation proving I'm a XXXX XXXX patient this is stressful an I need some assitance.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Acting as dully appointed XXXX XXXX XXXX XXXX in NJ, and as XXXX of the XXXX XXXX, and despite presenting a certified Death Certificate, Letters Testamentary, XXXX notarized XXXX for other beneficiaries, and subsequently appearing in person with XXXX of the co-beneficiaries at the XXXX, NJ branch of Santander Bank, several times and over the course of several months starting in XX/XX/XXXX through XX/XX/XXXX with all valid documents provided and parties personally verified by the branch banker, Santander Bank and XXXX dept haev denied access to XXXX funds for at least the third time, and has refused on each occasion to provide any written legal basis for their denial. 

A formal complaint was raised on XXXX, but no written response has been received. I escalated a second complaint on XXXX to include the XXXX of Santander and XXXX XXXX XXXX Banking as well as the complaints department. 

I have requested but have not received : XXXX. Immediate release of XXXX % of each XXXX account balance by cashier 's check made out to the Estate released to me, XXXX. 
XXXX. A written, signed explanation of all prior denials. 
XXXX. Name and direct contact of the senior XXXX XXXX XXXX with authority to resolve this matter promptly. 

Under the New Jersey Blanket Waiver ( N.J.A.C. 18:26-11.16 ), Santander is legally authorized to release up to XXXX % of a decedent 's account to the estate executor without a Form XXXX, without a filed IT-R, and without any approval from the NJ Division of Taxation. The bank 's ongoing refusal has no basis in 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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Joint account. XXXX deposit a check on XX/XX/year> funds was available on XX/XX/year> for XXXX hours and then funds was taken by bank for a hold. We contacted them and info was given that Check was return by mail. XXXX got a second check and deposited inside bank by his work company assistant on XX/XX/year> funds was never available after their XXXX day period. Instead On XX/XX/year> bank had XXXX check on hold and on XX/XX/year> bank closed account with money in it. We contacted them again XX/XX/year> and we got accused of fraud and that account was going to be fully closed with No coming back Opportunity! on XX/XX/year> and the check was going back to senders. Mean while they cashed out second checked. We called on XX/XX/year> and same info was given but now changed to XX/XX/year> for account closure. We called again on XX/XX/year> and now account was closed but only amount before check was going to be return by mail and same on check its still on hold. Remark .. check has already been cashed out and information been confirm by sender. Its very frustrating to know they are accusing of fraud when they did cash check out and closing account with false info. Even though there was a complaint on behalf of work company 's bank nothing has been made or changed by bank after almost XXXX  months.

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 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I tried to close my Cash App account following their published instruction, but the instructions didn't work. I escalated with XXXX via chat who linked me to their published instructions. I explained they didn't work. After an hour of back and forth/ delayed replies, XXXX told me they couldn't close may account because of pending transactions, which was not true. I asked for further clarification and they said they logged the complaint and there was no further action needed from me.Then I was told my account couldn't be closed because I had an active line of credit. They said they would escalate and I never heard anything more. 

On XX/XX/XXXX, I reached back out to Cash App via their customer service number. I spoke to XXXX who placed me on hold for 15 minutes and then hung up on me. I called back and spoke to a rep who wouldn't give me their name. They told me that my XXXX  was active and they'd transfer me to someone who could help. They transferred me to someone named XXXX who seemed completely clueless about why I was transferred or what he was supposed to do. He said he couldn't help me and then transferred me back to customer service. I spoke to someone I believe named XXXX who said there is a technical issue that won't allow them to close my account and to try back in 24 hours. 

I am making this formal complaint now.

Company response to consumer: Closed with explanation