vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been trying to dispute a charge made on my credit card from Goldman Sachs since XX/XX/XXXX. I received a product from merchant XXXX that claims to be authentic but was found to be an unauthentic item. I requested to return the product so I can receive a refund. The merchant never sent return instructions so I file a dispute with Goldman Sachs. Goldman Sachs claims the charge is valid but was not able to provide details as to why they found the charge valid. They continue to reissue the dispute from XX/XX/XXXX until XX/XX/XXXX multiple times but each time they claim the charge is valid without providing proof from the merchant as to why the charge is valid. I have returned the product to the merchant yet the charge still remains on my credit card. I feel Goldman Sachs is not doing their due diligence in actually investigating my dispute case. On XX/XX/XXXX while questing the dispute outcome indicating the charge is valid and will stay on my card, I asked the representative on the phone if any supporting evidence was requested from the merchant, he told me NO. So without supporting evidence they already made the decision I am responsible for the charge? Also, on XXXX XXXX, XXXX I called again to speak with a XXXX in the dispute department. The woman on the phone was rude, unprofessional, and was not able to tell me why the disputed charge remains on my card. I requested to speak to another XXXX for assistance but she would not transfer me to anyone and was even yelling at me over the phone. I told her I would like to file a complaint, but she would not assist me with that either. I am seeing a lot of other complaints online regarding Goldman Sachs not helping customers disputes and they have a terrible reputation with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal grievance to put you on notice : I have repeatedly attempted to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to correct blatant inaccuracies on my credit report, and your agency has met me with nothing but unlawful obstruction. Whether through " technical difficulties, '' " verification loops, '' or systemic incompetence, you are failing to fulfill your statutory obligations. This ends now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal grievance to put you on notice : I have repeatedly attempted to exercise my rights under the Fair Credit Reporting Act ( FCRA ) to correct blatant inaccuracies on my credit report, and your agency has met me with nothing but unlawful obstruction. Whether through " technical difficulties, '' " verification loops, '' or systemic incompetence, you are failing to fulfill your statutory obligations. This ends now.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX was bought/assumed by Rocket Mortgage XX/XX/XXXX from XXXX XXXX. On XXXX XX/XX/XXXX, instead of the traditional XXXX auto payment of {$5700.00} ( {$4400.00} additional principal ), I made a one-time payment on their website of {$30000.00} ( anticipating an additional principal payment of {$28000.00} ). This was due to the need to pay off the home early due to discontinuation of my contracting job. When I checked on XXXX XX/XX/XXXX, the money had been spread out to unapplied future payments until XX/XX/XXXX, with an additional unapplied amount of {$22000.00}. Obviously, there is no benefit to the homeowner to do this, but a huge benefit to the mortgage company. No notification was provided that this was done. I called on XXXX XX/XX/XXXX ( Conversation # XXXX ) and after waiting over XXXX minutes, was told the {$28000.00} would be reapplied to principal within XXXX hours. After the XXXX hours elapsed, no change. Called back on XXXX XX/XX/XXXX ( Conversation # XXXX ) and after waiting XXXX minutes, was told the change would not occur until XXXX XX/XX/XXXX. I asked to speak to a supervisor, but " he is in a meeting ''. I have no confidence in getting this resolved, and do not understand how changes in the computer database can not be made instantly. I now understand this scam is perpetrated by other mortgage companies as a way to not reduce the principal, keeping interest rates higher, and using clients money for their own purposes. This greatly hurts average Americans struggling to pay a mortgage and should be illegal. Next stop my elected representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding a disputed transaction of {$29.00}. I reported the issue to Cash App and was told the investigation would take 10 business days. However, it has now been 31 days, and I have not received a resolution or reimbursement. Cash App has failed to provide a timely investigation or meaningful update regarding my claim. This delay and lack of response appear inconsistent with the error-resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Because of these failures, my account was left vulnerable and I suffered financial loss and significant inconvenience. I am requesting that Cash App conduct a proper investigation and reimburse the disputed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am requesting reconsideration of the dispute regarding a {$170.00} charge from XXXX XXXX. I previously received a provisional credit that was later removed. I was physically present at XXXX XXXX XXXX for my scheduled flight, but XXXX self-service kiosk was malfunctioning and unable to process my check-in. As an XXXX service member traveling with luggage that required check-in, I approached a XXXX agent twice to request assistance. Despite explaining the situation and the malfunctioning machine, the agent refused to assist me. Because XXXX failed to provide a functioning check-in method or staff assistance, I was unable to check my luggage and subsequently missed my flight. I was then forced to purchase another ticket at a significantly higher cost. Navy Federal removed my provisional credit without allowing me to review the merchant evidence or submit a rebuttal. I respectfully request the CFPB to require Navy Federal to reconsider this dispute and provide the merchant evidence so I can respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Loan South Finance & Tax Service of Troy, LLC
State: TX

Complaint narrative:
SERVICE SOUTH LOANS, WHO TOOK OVER THE COLLECTION OF MY LOAN FROM XXXX XXXX, THAT ORIGINATED IN THEIR LOCATION OF XXXX, TEXAS, KEEP CALLING ME. FIRST, THEY DO NOT LEAVE A COMPANY NAME, SO I DON'T KNOW WHO THEY ARE. SO, ON XXXX, XXXX CALLS ME AT XXXX XXXX, AND I PICK UP. I ASK XXXX TO STOP CALLING ME, OR I WOULD FILE A COMPLAINT AGAINST HER AND HER BUSINESS. I THEN TOLD XXXX DIRECTLY THAT I DO NOT KNOW WHEN I COULD MAKE MY PAYMENT AND I WOULD CALL BACK TO NOTIFY HER OF THE DATE BEFORE HANGING UP WITH HER. I ASKED XXXX BEFORE HANGING UP ON XXXX, DO NOT CALL MY PHONE. I ASKED HER TO SEND ALL CORRESPONDENCE VIA WRITTEN COMMUNICATION. AND THIS MORNING AT XXXX XXXX I GOT ANOTHER CALL FROM XXXX, SO NOW I AM IRRITATED BECAUSE I JUST INFORMED HER YESTERDAY, LESS THAN XXXX HOURS AGO, THAT I WOULD CONTACT HER WHEN I WOULD LET HER KNOW ABOUT PAYMENTS. I INFORMED XXXX AGAIN THAT NOW I WILL BE FILING A COMPLAINT AGAINST HER AND HER COMPANY BECAUSE SHE SAYS SHE CAN NOT STOP CALLING ME. I HUNG UP AND IMMEDIATELY STARTED FILING THIS COMPLAINT. I TOLD THIS COMPANY THAT I WOULD CONTACT THEM AND TO SEND CORRESPONDENCE IN WRITTEN COMMUNICATION. I WANT THE CALLS TO STOP ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GFS II, LLC
State: MI

Complaint narrative:
Ive been out of this car for 3 years now and Im being harassed about a vehicle that I dont even have anymore they took it after a no fault accident that i didnt even cause they snatched it from the impound and have been trying to charge for the vehicle for years now Im getting harassed with letters and debt collectors calls they have been contacting my job and everything for a vehicle i legally dont have anymore I really think Im not supposed to be being charged for this and they said its out for garnishment for the state income tax which there not getting at all from me and I told them there not getting it at all. Because they are wrong for still trying to collect on a vehicle that they sold and it shows as a closed account on my credit so legally I dont know why XXXX getting contacted about a XXXX XXXX XXXX XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diverse Funding Associates LLC
State: IN

Complaint narrative:
I am writing to address a collection account that continues to appear on my credit report even though it has already been paid in full. The debt has been satisfied, yet the account is still being reported, which is unfairly affecting my credit standing. A paid obligation should not continue to appear in a way that suggests the balance remains unresolved. The continued reporting of this account is creating unnecessary harm to my credit profile and does not accurately reflect my current financial status.

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 2026-03-11 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint against Webster Bank regarding their failure to honor or provide any information about Growth Savings Bonds originally issued by XXXX XXXX XXXX XXXX XXXX XXXX, which was subsequently acquired by Webster Bank. I am in possession of three ( 3 ) original physical Growth Savings Bonds issued by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a maturity date of XX/XX/XXXX. The bonds are held in the name of XXXX XXXX, Bond No. XXXX ( and two others ), face value {$50.00} each, issued at 9.03 % per annum compounded daily. I contacted Webster Bank at both the branch level and corporate headquarters. Neither was able to locate any records or provide guidance on redeeming these bonds. I also searched the XXXX XXXX State Unclaimed Property database and found nothing. Per the bond terms, upon maturity these accounts should have converted to regular savings accounts. The funds have never been returned to me, nor reported as unclaimed property, nor can Webster Bank account for them. I am requesting that Webster Bank investigate their legacy records from XXXX XXXX XXXX XXXX XXXX XXXX and either honor these bonds with accrued interest, or provide documented proof of what happened to these funds. I have the original bond certificates available as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
5 minute taxi ride in XXXX XXXX charged me {$110.00} US. Its not {$110.00} XXXX. Bank charge shows {$110.00} US. I disputed the charge and it was denied. Today XX/XX/year> i notified XXXX XXXX SOFI account manager the taxi fare amount was inconsistent with the duration and distance of the ride. I asked for them to provide the itemized receipt or meter record showing how the {$110.00} charge was calculated. He refused and said SOFI sent me an email but no email was received. SoFi is not handling this situation properly and they are not really investigating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding the unexpected closure of my bank account with Chase. I used my account in good faith to manage my finances and recently made a rent payment through XXXX, which initially processed successfully. However, approximately three days later, I was informed that my account was being closed and the transaction was reversed. I did not receive any prior warning or explanation for this action, and when I contacted the bank for clarification, I was told that the decision to end the banking relationship had been made but no specific reason could be provided. I have not knowingly engaged in any fraudulent or suspicious activity and have always attempted to use my account responsibly. The sudden closure of my account without transparency has caused confusion and financial disruption, particularly regarding my rent payment and access to my funds. I am requesting a review of this matter and a clear explanation for why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
As of XX/XX/XXXX my mortgage company ( NewRez, XXXX. ) P.O. Box XXXX, XXXX, TX. XXXX has not mailed me my billing statements. In XXXX per their request during communication they requested my email address for verification. Since this date I have not received any bill statements and I have called and written to them asking why I am not receiving them, why they are only emailing me my bill statements as I had never signed up for that. I have made it very clear that I only want my statements to be mailed to me that I have never signed up for paperless. I have had my mortgage with this company for nearly XXXX years and all of a sudden once they knew my email address they stopped sending me my statements. I called their customer service number at XXXX on XX/XX/XXXX at XXXX. and spoke to customer service for XXXX minutes asking where my bill was as it was due? They said they had mailed it, they never did. I called again to their customer service number at XXXX on XX/XX/XXXX at XXXX. and spoke to customer service for XXXX minutes. On XX/XX/XXXX, a supervisor from their billing department called me from XXXX at XXXX. for XXXX minutes telling me that all my information was correct and that I was not in their system under paperless. She wasn't sure why the system was only emailing me them and no longer mailing them. She ensured me that I would be getting my statements from then on by mail. I still have not received any statements via mail. I called again to their customer service number at XXXX on XX/XX/XXXX at XXXX. Yet, they will mail me junk mail to refinance, take out a XXXX mortgage, or to pay my current one off. I am looking to have this resolved that the company mail me my monthly statements so that I don't have to constantly go into their system look through everything to finally find my bill to be able to pay on time. I have been having to go to my local library to print these statements out which costs me money and to buy envelopes too.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I sent a {$500.00} Zelle payment via XXXX XXXX XXXX XXXX app. The transfer failed ( recipient issue/technical error ) and was supposed to automatically return. XXXX XXXX confirmed it failed but said it requires manual processing by Zelle. They keep changing refund dates : first today, now Friday at latest ( past 10 business days ). Federal law ( Regulation E, 12 CFR 1005.11 ) requires : Investigation within 10 business days of error notice Provisional credit if they need more than 1XXXX days Timeline : Transfer XX/XX/XXXX Today XX/XX/XXXX is Day XXXX. No credit provided.

Company response to consumer: Closed with explanation