vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX has not responded to my dispute on XXXX. It has been more than 45 days since the credit bureau had received my dispute.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: General Mortgage Capital Corporation
State: IL

Complaint narrative:
Several weeks ago, a borrower with name XXXX XXXX asked me that he left his employer ( XXXX XXXX XXXX XXXX XXXX XXXX last XXXX and is currently unemployed, can he apply for agency loan? I said unfortunately you can not. Recently He said GMCC Loan officer taught him to bribe HR of XXXX XXXX to provide fake verification of employment to get loan approved. I think that is fraud. Maybe XXXX XXXX can provide fake XXXX paystub, but he can not provide bank statements to show income in XXXX. 

Subject Property address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, purchase price {$370000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a Chime account they claim to offer XXXX percent cashback for certain categories depending on the quarter. My current categories are apparel and general shopping. Chime refuses to give the cash back on general shopping catagory. I've followed all the instructions and called with proof. On the first call I was told I had to wait 9 days after transactions have posted. I waited the 9 days and called again. This rep proceeded to tell me basically there's nothing he can do. His supervisor said that it is only for bills and groceries. Even I told him what the chime app says he proceeded to tell me it was my fault because I have to tell the store I earn cash back. I have multiple credit and debit cards. Including the XXXX one that I'd a debit card and gives cash back and not ever with any card have I had to tell the store I earn cash back for the purchase. It is also not listed in the terms and conditions that you have to inform the store you earn cash back for shopping with them. It honestly seems like a trap to get people in and that's it. It's legit FRAUD. There are 10 pictures sent as. Proof and many more where they came from. General shopping is exactly that if you doing want to give the funds don't offer don't advertise. Once they offered and advertised they were legally obligated to do as promised. By not doing so they are committing fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Good XXXX and thanks again for your great help. 
I am reaching out because XXXX last year ( In 2025 ) I paid off the balance on a credit card I had from Paypal and had it cancelled the same day. The Issue I am having is that after closing my credit card and all credit related to PayPal.com they did not want to close my Paypal account, I called in XXXX and XXXX asking them to close my account but they always said they could not because I still have pending transactions and they could not give me a clear explanation of what it was. 
I removed all the bank accounts linked to PayPal and called again in XXXX and still I was getting the same response. While looking at my credit report in XXXX I noticed that I've lost a lot of point and discovered that the credit card I've cancelled was still accumulating Interest and because of that my credit went under delinquency for not paying for 3 Months a credit card that was closed with XXXX balance. 
I called PayPal right at that Instance and nobody was able to explain what was going on, they kept saying they did not have access to my credit account and asked me to call another number where they said the same thing. When I started saying I will report this to Consumer Protection they asked me to call an XXXX number and there they told me that my account was closed but I did not close a " Payment protection plan '' linked to it and it was accumulating fees. I told them that when the credit card was closed, they were supposed to close everything linked to it, I said I did not know there are another service linked to it and I asked how is it possible that they are adding fees to a credit card that has no balance and does not exist. Then they asked me to call " Payment protection plan '' ( they documented my request as # XXXX or so they said ) and there they started saying that I need to pay that money because the service was active and I asked how can you charge for a service on a credit card that does not exist and they said they charge for every amount of dollar I spent and I explained again that the card has been cancelled since XXXX and asked how could they charge me for an account that does not exist. 
After a long conversation they agreed to pay me US {$45.00} Dollars but my main Issue is FIRST : They caused my credit status to go to Delinquent, It toke me one year to get my credit to good status I realized all this while applying to refinance my Mortgage, I was confident my score was good but I now have a record of various late payments on this account. 
Second : Paypal does not want to close/delete my account, and I am convinced they do that to continue charging hidden fees for accounts that do not exist. 

Thanks in Advance

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAB PERFORMANCE RECOVERIES, LLC
State: GA

Complaint narrative:
On XXXX XXXX I requested a 1099-c and a payment ledger with receipt of payment that had been made towards the debt to no avail then on XXXX XXXX the head attorney threatened to go back on payment arrangements that had been made and also was hostile in email messages as of date I still have not received a payment ledger nor a 1099c. The payments I have made and their numbers do not match and once I showed proof of payments tried to insist I pay original or amount that is not accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CA

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX v. Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a credit card with Union Bank which I opened in XXXX. I had used it and always paid on time for many years, and finally closed the account in XXXX of XXXX. At some point after the card was closed, a merchant put through an annual fee and Union bank paid it without my knowledge or permission. I had brought this to their attention but they said there was nothing they could do about it. I requested the dates they put it through and they date they had on record from me closing the account but they never provided me with either. But they did end up putting it against me as a collection account. Sinde then, US Bank has taken over there accounts and claims they can not help me with this. I simply asked them to prove it was my debt and it was put through prior to the closing of the credit card and they could not do that.

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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

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 2026-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank and its fraudulent activity and fake investigations. I have asked them multiple times to return money in XX/XX/year> about a product I did not receive from XXXX XXXXfir about XXXX dollars, tge money was stated as returned but was not by the seller. Citibank claims it put money in accounts for adjustinments but make sure it is not coded green or labels it as an adjustment so you will not know what day or time they adjust dispute returns or rye many mistakes they make when they are adjusting pending transactions. Their investigations are fake and when they do call once a complaint comes in to this agency, they listen and just say they will investigate and write some type of lie. Tgey restricted my account for days without notice for something thru lied about they happened two months ago almost and was for a reason to restrict my accounts for complaining to this agency. This morning I get up to money missing from my savings. They stated someone called in and requested a transfer from my saving to my checking and the money is gone. I have no idea what an AUTOMATED TRANSFER IS. The simple outsourced d a $ $ outsourced people they have did not know either. I believe Citibank did that automated transfer and no one else but them and will try to make it seem as if some criminal did it. The only criminals are them. You need to get involved in this investigation and stop going message delivery. I want every detail, any recordings of this transaction yesterday. I did not authorize this s d nobody did this but Citibank trying to recover sby mistakes they made. RGEY better not ever touch my SAVINGS ACCOUNT again XXXX XXXX XXXX it on someone else. If they go not return my money INSTANT LAW SUIT.

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 2026-02-17 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: CA

Complaint narrative:
I am filing a complaint regarding an incorrect dispute resolution by Goldman Sachs Bank USA ( Apple Card ). 

XXXX. Transaction Details : Date : XX/XX/XXXX Merchant : wowtickets.com Original Disputed Amount : {$1800.00} Dispute Case ID : XXXX XXXX. The Issue : I disputed this charge because the services provided by the merchant were not fulfilled as described. Goldman Sachs investigated and recently closed the case, stating that " no billing error occurred '' based on terms and conditions. Consequently, they reversed my temporary credit and are holding me liable for the full {$1800.00}. 

XXXX. Why the Bank 's Decision is Incorrect : The bank 's investigation is critically flawed because the merchant ( wowtickets.com ) has already admitted to the issue and processed a partial refund. 

Refund Date : XX/XX/XXXX Refund Amount : {$930.00} Evidence : I have attached a screenshot from my Apple Wallet showing this refund directly linked to the original transaction. 

Despite the merchant returning nearly half the amount ( {$930.00} ) due to the service failure, Goldman Sachs closed the dispute claiming the full original charge is valid. It is illogical and unfair to enforce the full {$1800.00} charge when the merchant has already refunded a significant portion of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Synchrony bank issued me 6 different cards. I have kept up with all payments and zero late payments or overdrafts. Out of the blue they revoked credit limits without warning or opportunity to pay them down to new limits. This resulted in tanking my credit score more than XXXX points. I did nothing to warrant this and was keeping with all agreed terms. Called them and they are not willing to work with me note my credit reports nothing more or less said Oh well if I dont like it pay them off and close them which would damage my credit further

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I received an unsolicited call from someone impersonating Wells Fargo. I believed it was the fraud department. Under their instructions, I was coerced and misled into allowing an {$18000.00} cash advance and withdrawing the funds. The scammer claimed fraud on my account, directed me step-by-step to move the money, and told me to send the cash to the FBI and had multiple car at different timing to pick up the cash from my house. This was not a voluntary or informed transaction. It was induced fraud. This is an unauthorized credit card transaction under the Fair Credit Billing Act. I have the police report.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have an account with Bank of America, that account is tied to the service XXXX. Someone hacked my computer and got unauthorized access to my personal information and my password and accessed my Bank of America account and used this information to send unauthorized funds to a person named XXXX XXXX on XX/XX/XXXX XXXX unauthorized transactions. the first transaction was on XX/XX/XXXX for {$2000.00} confirmation number ( XXXX ). the second unauthorized transaction was on XX/XX/XXXX for {$1000.00} confirmation number ( XXXX ). These transactions were done using my Bank of America checking account number tied to my debit card number XXXX expiration date XX/XX/XXXX sec XXXX then without authorization were able to transfer a total of {$3000.00} dollars to XXXX XXXX who is someone I do not know. I learned of this on Sunday XX/XX/XXXX. The Bank of America was closed the XXXX of XXXX. Today XX/XX/XXXX I am going into the Bank with my documents this report and my formal investigation letter request to return my funds to my account via Regulation E ( 12 CFR Part 1005 ) implements the 1978 Electronic Fund Transfer Act, a Federal Law that protects me and my funds from Unauthorized transactions. I do not know if I am the only victim of this hacking, that is why I am filing this report to expose this hacking and Unauthorized transactions. I have written a formal letter to the Bank Of America to investigate this and stay in contact with me in regard to the timelines governed by Regulation E.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a Chime account that Ive been using as my main checking account and savings. I have received numerous calls from a fraudulent number claiming to be a chime representative and have questioned me about my account. They have called me repeatedly forcing me to abandon the account altogether as my information has been compromised. I have been unable to add funds to the account to bring it current to close it and I still receive daily phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
My phone was stolen and whomever stole my phone was able to access my cash app and spend my entire paycheck. As soon as I was able to call cash app they informed me that all of my money was in fact used at XXXX XXXX, which is an app that I have on my phone. My debit card was tied to that account as well. They informed me that they canceled my card and that when I am able to get a new phone or access my Cash App I would have to order a new card and that all of those transactions had been disputed. The next day I called for an update and was told that another card had been ordered and that more transactions had taken place to the same merchant using funds someone had sent me the previous day. Again they canceled my card and this time blocked that merchant ( XXXX XXXX ) The first dispute was on XX/XX/year> and the second was on XX/XX/year>. 
On XX/XX/year> I received approximately XXXX dollars because XXXX of my disputed transactions from XXXX had been resolved in my favor. These were all the lowest amounts that were disputed. In total approximately {$520.00} had been charged and disputed on XXXX and approximately {$50.00} was charged and disputed on XXXX. 
The transactions that they resolved in my favor were scattered amongst the transactions from that day that I had disputed and as I said were the lowest amounts. Some happened before and some after the lot of the rest. 
On XX/XX/year> I contacted Cash App and told them that I wanted to know why I had yet to be given a provisional credit for the amount of my disputed transactions or been informed of a resolution to my dispute from XXXX as it had been 10 days and federal law mandates that they do one or the other by the tenth day. An agent told me that yes I was correct that they only had 10 days to do one or the other and the agent agreed that they were now in violation. The agent said they would pass my complaint along and I should here a response in XXXX hours. I told them I did not consent to allowing anymore time for them to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I am filing this complaint because Retail Merchants Association provided inaccurate and unsupported statements in its prior CFPB response regarding validation of this alleged debt.

Retail Merchants Association stated that it mailed an Assignment of Benefits and Itemized Billing Statement on XX/XX/year>. I never received these documents by mail or email. The only correspondence I received from Retail Merchants Association was dated XX/XX/year>, and those letters explicitly stated they were requesting validation from the original creditor and would forward it upon receipt. Those letters did not include any Assignment of Benefits, itemized billing, or validation.

Retail Merchants Association also failed to upload or provide copies of these alleged validation documents in its CFPB response.

Under the Fair Debt Collection Practices Act, 15 USC 1692g ( b ), a debt collector must obtain and provide proper validation of a disputed debt and must cease collection and reporting activities until validation is provided. Additionally, under the Fair Credit Reporting Act, 15 USC 1681s-2 ( b ), furnishers of information are required to conduct a reasonable investigation and may not continue to furnish information that can not be verified.

Retail Merchants Association continues to report this account despite failing to provide the validation it claimed to have mailed. To date, Retail Merchants Association has not provided any Assignment of Benefits, itemized billing statement, or proof of assignment, nor any evidence that such documents were mailed or delivered.

If Retail Merchants Association claims these validation documents exist, they must upload copies of the exact documents referenced in their CFPB response and provide them to me by both U.S. Mail and email, which are my preferred methods of communication.

If Retail Merchants Association can not produce this validation documentation, I request immediate deletion of this account from XXXX XXXX and XXXX  due to failure to validate and continued reporting of disputed and unverified information.

Company response to consumer: Closed with explanation