vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 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: VA

Complaint narrative:
About 30 days ago I filed a complaint with the Apple card owners which are Goldman sacks. There were several fraudulent charges on my card, the majority of which stemming from only fans account which I never had. There were four additional charges from the XXXX company which I never ordered either. These charges exceeded {$300.00} in total the many of these charges were temporary. Refunded to my card. A few days ago they went ahead and put all these charges back onto my card stating that they had already been refunded and was never the case. I just need these Fraudulent charges removed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a new complaint based on Capital Ones written CFPB response and transaction confirmation letter. My prior CFPB case was closed without Capital One providing required Regulation E evidence. 

1. Unauthorized XXXX Transfers - On XX/XX/year>, six XXXX transfers totaling {$1500.00} were sent from my Capital One 360 Checking account to XXXX XXXX. I did not authorize these transactions, do not know this person, and received no benefit. 

Capital One issued a XX/XX/year>XXXX  letter confirming these XXXX transfers posted to my account. However, Capital One later denied my fraud claim without providing : Device or IP data XXXX  enrollment records Login or authentication logs Proof that I authorized the transfers Under the Electronic Fund Transfer Act ( Regulation E ), Capital One must prove authorization. They have not. 

2. Promotional Bonus Misrepresentation Capital One also denied my {$300.00} 360 Checking bonus after accepting multiple direct deposits from me in XXXX, XXXX, and XXXX. Capital One now claims a 75-day deadline applied, but : This deadline was not clearly disclosed I was never warned Capital One continued accepting deposits The rule was only revealed after denying the bonus This constitutes deceptive inducement and unfair treatment. 

3. What I Am Requesting I request that Capital One be required to : Provide full Regulation E evidence Reopen the {$1500.00} XXXX fraud investigation Credit my account for unauthorized transfers Honor the {$300.00} promotional bonus Provide all responses in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am unable to identify the current holder or servicer of a federal student loan that originated at the XXXX of XXXX. StudentAid.gov lists the XXXX XXXX XXXX as the loan holder ; however, I contacted the XXXX of XXXX directly and was informed that they do not hold or service this loan. 

I have also contacted XXXX, a common servicer for campus-based and XXXX loans XXXX and confirmed that this loan is not serviced by them. 

In addition, I contacted the Federal Student Aid XXXX XXXX XXXX, and they confirmed that this loan is not assigned to them and is not currently in default resolution. As a result, I have been unable to determine who currently owns or services this loan, how to resolve its status, or how to bring it into good standing. 

I previously submitted a complaint seeking clarification regarding the loans status and ownership and did not receive a response. Due to inaccurate or incomplete reporting and the inability to identify the responsible entity, I can not access repayment options, dispute the loan status, or ensure compliance. 

I am requesting that the Department of Education investigate this loan record, correct any inaccurate reporting, and clearly identify the current loan holder or servicer so that I may resolve the loan appropriately.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit XXXX XXXX XXXX XXXX a collection account on my credit reports ( e.g., shown as a collection tradeline with derogatory status and Late 120 Days ), yet I have not been provided enough information to verify that this debt is mine, that the balance is accurate, or that Midland has XXXX authority to collect. The tradeline shows inconsistent and questionable reporting details ( including dates that do not logically match, such as a reported Date Opened after the reported last payment activity ), and the account is harming my credit. 

I disputed the account and requested full written validation, including the original creditor information, itemized balance breakdown, account statements, proof of my legal obligation, and complete chain-of-title/assignment showing Midlands ownership/authority for my specific account XXXX Midland has not provided the documents needed to verify the debt, but the collection tradeline continues to appear on my credit reports. 

I am requesting that Midland provide complete validation or, if they can not, that they close their file and request deletion of the collection tradeline from all consumer reporting agencies, and stop furnishing/updating any information until the debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year> I received an email and an in app notification stating my account would be closed on XX/XX/year>, so I contacted the company requesting information as to why my account was being closed, all they said was the rules and policies were violated/broken, I asked which rules were broken, they were unable to provide the information, I asked if I could speak to someone higher up that could provide that information, the representative stated that theres no-one else and the decision was made through their AI/system and sometimes the computer cant provide the proper information. 

I love using this company and dont know why this decision was made because I havent violated any terms and havent used the company for any inappropriate activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Applied for the loan to be forgiven when Biden was still President and before everything happened with the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I HAVE SENT IN SEVERAL PAYMENTS OVER THE LAST 2 YEARS, I HAVE ASKED FO RMY ACCOUNT TO BE RETITLED TO MY TRUST AND NEITHER HAVE BEEN COMPLETED. THEY CONTINUE TO BREAK THE LAW AND COMMIT SECURITY FRAUD AGAINST ME AND VIOLATION OF UCC3-603/3604. WHYYYYYYYYYYYYYYYYYYYYYYYYYYY? FIX IT PEOPLE. THEY SHOULD BE ACCEPTING MY PAYMENTS AND THE TREASURY IS ACTUALLY RECEIVING A COPY OF ALL OF THEM AS WELL. I EXPECT THE TREASURY TO DO THEIR JOB BUT I ALSO EXPECT YOU TO DO YOURS AND HOLD THIS COMPANY ACCOUNTABLE!! IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a {$4800.00} credit card charge on my Citi Preferred account. I timely disputed the charge on XX/XX/year>, within the 60-day window under the Fair Credit Billing Act.

The merchant has confirmed in writing that the transaction never settled and no funds were received. Because the charge never settled, no refund or credit slip exists. I paid the merchant through an alternate payment method on XX/XX/year>. 
Citi closed the dispute due to a missed documentation email and is now refusing to correct the billing error, stating that more than 60 days have passed and that California law requires a credit slip. This is incorrect, as a credit slip can not exist for a transaction that never settled. 
Citi is attempting to hold me responsible for a charge that the merchant confirms was never paid.

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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had fraud charges in my bank account for checking and I was able to give many items for proof of the fraud activity and they knew that someone was trying to scam my account and they were trying to get money and they sent us notifications for a few transactions and the largest amount they did not even send us a notification for it and they took over {$1000.00} and I Immediately notified them that the transaction they made had went through and I found out the name and address of who did this and the email address that they used. This also happened on XXXX XXXX whie I was spending XXXX with my family in Colorado. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Went to in network ATM on XX/XX/year> to withdraw funds, during transaction ATM froze, restarted and presented an Out of Service Message. Funds were taken out of my account but I never received the cash. 

Bank states that I did receive funds but did not provide any supporting evidence to the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint was noted to several Truist management representatives regarding my Business  Credit Card payment being denied due to bank system indicating " NO PAYMENT '' is due at this time, however the Bank continues to accumulate late fees and interest per month. Upon mentioning that a complaint was being filed Truist Bank sent a letter stating this situation were resolved, however I continue to receive harassment calls and accumulations of late fees and interest continues to increase which the remaining balance owed is accruing beyond unreasonable amount.

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 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EdFinancial Services
State: NY

Complaint narrative:
The item appeared on my credit report and I have never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: MI

Complaint narrative:
A debt collector, XXXX XXXX XXXX, sent a text message to my mother regarding an alleged overdue consumer loan that is in my name, not hers. This incident occurred on Sunday, XX/XX/year>. 

The text disclosed the existence of the alleged debt, identified the sender as a debt collector, referenced an overdue account, and included a payment link. 

My mother is not a co-signer, joint obligor, or otherwise responsible for this debt, and I did not provide consent or authorization for third-party communications.

This communication constitutes an unlawful third-party disclosure in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ).

I am requesting that the company be held accountable for this violation and that appropriate corrective action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. Please review the inaccurate information being reported.

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 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well being. I am aware of my rights under the fair credit report act and I request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute may be mishandled in a similar manner. Please review the inaccurate information being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Hello, XXXX XXXX is not my debit account and does not belong to me. I have never opened or authorized this account. 

Please remove this inaccurate information from my personal credit history immediately. I have already submitted documentation regarding this matter. 

If additional information is required from me to complete this correction, please let me know. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am submitting a dispute regarding a collection account being reported by Online Information Services with an alleged balance of {$1400.00}. I dispute this debt in its entirety and am requesting full validation. 
Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the debt collector must cease collection activity until proper validation is provided. I am requesting documentation showing I am legally responsible for this debt, including the original agreement with the original creditor, XXXX XXXX, an itemized breakdown of the amount being claimed, and proof that Online Information Services has the legal right to collect this debt. 
Additionally, reporting a collection account without proper validation may violate 15 U.S.C. 1692e regarding false or misleading representations and 15 U.S.C. 1692f regarding unfair collection practices. Reporting inaccurate or unverifiable information also violates the Fair Credit Reporting Act, 15 U.S.C. 1681s-2. 
If Online Information Services can not provide proper validation, I request that this collection account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo damaged my vehicle while it was in its custody during repossession. Prior to repossession, the vehicle was fully operable and had no electrical or mechanical issues. When I received my car back on XX/XX/XXXX my vehicle was damaged and undrivable. On XX/XX/XXXX I was mailed a settlement that does not cover the damages on the vehicle. 

Upon release from the storage facility, I immediately documented the vehicle 's condition. The vehicle was not drivable and had to be towed due to significant damage, including electrical failures that were not present before repossession. XXXX independent body shops have inspected the vehicle and confirmed the damage, providing written repair estimates that were submitted to Wells Fargo. I also have emails from the repossession company that admits to damaging my vehicle. I also sent that to Wells fargo. 

Due to my vehicle, not being drivable, I have had to tow it from the repo facility to my home, from my home to the first repair shop to get an estimate. From the repair shop to a second repair shop because Wells fargo wanted XXXX different estimates. And lastly, the fourth toe was from the last repair shop to my home. There is also extensive electrical problems to the vehicle due to the repossession company, hooking the car, not in the proper place and damaging the car. XXXX of them being the AC not working anymore. 

Both repair facilities stated that the damage is consistent with improper towing and handling during repossession. Wells Fargo had a duty to exercise reasonable care while the vehicle was in its possession and breached that duty. 

Wells Fargo offered a settlement of approximately {$8500.00}, which does not fully compensate me for : * Full repair costs * Towing expenses * Loss of use * Rental vehicle expenses * Diminished value of the vehicle I formally rejected this offer in writing and requested reconsideration for full compensation. Despite this, Wells Fargo continues to contact me by phone attempting to pressure me into accepting the settlement rather than responding in writing. 

I am requesting that Wells Fargo : XXXX. Provide full compensation for all damages and related losses, and XXXX. Cease phone pressure and communicate in writing regarding resolution of this claim. 

If you need any pictures, emails between Wells fargo and I or the repossession company. As well as the estimates, please let me know. I am more than willing to give them. Thank you

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 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
Below is the final notice email I sent to MoneyGram in attempt to resolve this matter. This best explains the issue. 

To the MoneyGram Dispute Resolution Team, I am writing to formally reopen a dispute regarding a transfer of {$130.00} initiated from my MoneyGram Spend account on XX/XX/XXXX. 

I previously contacted support regarding this missing transaction. I was informed that your internal investigation concluded the money was " sent. '' This is incorrect. As of today, XX/XX/XXXX, these funds have never arrived in my XXXX checking account. 

Please review the following transaction details : Transaction Date : XX/XX/XXXX Transaction Amount : {$130.00} Source : MoneyGram Spend Account Destination : XXXX  Checking Account ( Ending in XXXX  ) MoneyGram XXXX ID : XXXX Previous Case Number : XXXX Evidence Attached : I have attached my official XXXX  monthly statements for XXXX and XXXX. These documents prove that no deposit of {$130.00} was ever received from MoneyGram. 

PDF XXXX-Checking-Statement-Nove PDF XXXX-Checking-Statement-Dece My Request : Since the funds are not in my account and XXXX  has confirmed no pending deposits match this amount, I request one of the following actions be taken immediately : 1. Immediate check or ACH deposit : Mail the {$130.00} to my current address or ACH deposit into my account 2. Provide Trace Number : If you insist the funds were sent, you must provide the XXXX Federal Reference Number or the Trace Number. With this specific number, I can force XXXX to locate the funds. Simply claiming " it was sent '' is not sufficient proof. 

If this issue is not resolved within 3 business days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). I will submit this email chain and my bank statements as evidence that MoneyGram has lost my funds and failed to rectify the situation. 

I await your immediate reply. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation