vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint regarding a disputed charge from XXXX that my bank has denied, despite clear evidence that the charge is not valid. I did not authorize or properly benefit from this charge, and after the dispute was denied, I took further action and obtained a police report documenting the issue. This report supports my claim that the charge was unauthorized and/or fraudulent. I also contacted XXXX directly in an effort to resolve the matter. XXXX indicated that a refund would be issued or acknowledged the issue ; however, they stated they are unable to process the refund due to the active bank dispute. As a result, I am being unfairly held responsible for a charge that the merchant has effectively acknowledged should be resolved. Despite providing this additional and significant evidence, including a police report, my bank has refused to reopen or properly reinvestigate the dispute. I believe this is a failure to comply with their obligations under the Fair Credit Billing Act, as they did not fully evaluate all relevant documentation. I am requesting that the CFPB require my bank to reopen this case and conduct a proper investigation, taking into account the police report and all communications with XXXX. I am also requesting that this charge be permanently removed from my account and that any related fees or interest be reversed. This situation has caused unnecessary financial harm, and I am seeking a fair and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding an unresolved unauthorized charge on my credit card processed by XXXX for services billed by XXXX. On XX/XX/year>, I was charged approximately {$200.00} by FedEx for duty and tax charges related to an international shipment. I did not authorize, initiate, or receive this shipment. The shipment originated in California and was delivered to XXXX, and both the sender and recipient names and addresses are not associated with me. Upon discovering the charge, I immediately disputed it with Discover. I also contacted XXXX directly multiple times via email and phone to investigate the matter. XXXX did not provide timely support or resolution during my initial outreach. As part of my investigation : The shipment does not appear in my FedEx account history I did not receive any shipment confirmations or tracking notifications Documentation shows the shipment sender and recipient are unrelated to me I submitted this evidence to XXXX ; however, my dispute was denied twice. Most recently, XXXX provided a written response stating : The shipper is ultimately responsible and will need to pay the charges. Despite this acknowledgment, the charge remains on my account and I have not been refunded. I believe this charge is unauthorized, and I am being held responsible for a transaction that I did not authorize or benefit from. Discover has not properly considered the evidence provided, including XXXX own statement indicating that another party is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: SC

Complaint narrative:
Since approximately XXXX, following my graduation, I have experienced a consistent pattern of servicing behavior across my federal student loans, initially with Great Lakes Educational Loan Services and later with Nelnet after my loans were transferred. Each time I contacted my loan servicer because I could not afford my required monthly payment, I was directed to request a forbearance. This occurred repeatedly over a period of many years. At no point was I clearly or meaningfully informed of income-driven repayment ( IDR ) options that could have provided a more sustainable long-term solution or allowed me to make progress toward loan forgiveness. Additionally, I was informed by my loan servicer that interest would not accrue during forbearance periods. Relying on this information, I entered into multiple forbearance periods over time. This information was incorrect for my loans. As a result, interest accrued and was later capitalized, significantly increasing my total loan balance. My loan balance has grown from approximately {$30000.00} at the start of repayment to over {$50000.00} today. This increase is largely attributable to repeated forbearance periods and the accrual and capitalization of interest, which I was not properly informed about. The pattern of being directed into forbearance, without adequate disclosure of alternative repayment options or the financial consequences, continued even after my loans were transferred from Great Lakes to Nelnet. There was no corrective guidance provided at any point during this transition or afterward. This long-term pattern of servicing caused financial harm by increasing my loan balance and delaying or preventing progress toward forgiveness programs that I may have otherwise qualified for had I been properly informed. I am requesting a full review of my account history, including all forbearance periods and interest accrual/capitalization, and appropriate corrective action to address the harm caused by this servicing. Additionally, I request that all eligible periods be credited toward income-driven repayment forgiveness under current federal adjustment programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My account was compromised and was trying to get a hold of cash app and tell them I never made a payment to a XXXX XXXX. I did a full interview explaining my situation and my history on the account. I believe my phone number or info was involved in a phising scam something that involves clicking on links and having my personal info shared. I had XXXX bucks sent to me over cash app. Didnt check the account for XXXX days went to use the money and realize it was already spent. Explained to them that I never made the transaction and that I need immediate assistance on closing the account and sending the money back to me via check or new cash app account. The only information I can give is that my account has been compromised through email or phone and am currently in the process of getting new email phone etc. Case Id number for cash app on this issue is as follow XXXX XXXXXXXX Please help me out guys! I dont want to be victim to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I obtained a loan through XXXX, and the repayment terms quickly became unmanageable due to the high interest and the size of the required payments. I contacted the company multiple times to request assistance or a hardship option. Still, I was either told no adjustments were available or given limited information that did not resolve the issue. Despite my efforts to communicate and stay current, I was unable to keep up with the payments, and the balance continued to increase. Because I can not afford the amounts being claimed and have been unable to obtain meaningful relief from the company, I am submitting this complaint so the matter can be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: SC

Complaint narrative:
* * COMPLAINT LETTER XXXX Jefferson Capital LLC ( Debt Collector ) * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint against Jefferson Capital LLC Identity Fraud Debt Not Mine Dear CFPB : I am writing to file a formal complaint against * * Jefferson Capital LLC * * for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting and attempting to collect a debt that does not belong to me. This account is the result of identity theft/fraud. * * Account Details ( original creditor XXXX, opened XX/XX/XXXX ) : * * - Account Name : JEFFERSON CAPITAL LLC - Current Balance : {$1100.00} - Status : Collection account I have never had any account or contract with XXXX, nor have I ever authorized Jefferson Capital LLC to collect any debt on my behalf. I did not incur this debt in any way. This is a clear case of identity fraud. I request that the CFPB : XXXX. Immediately investigate this matter. XXXX. Require Jefferson Capital LLC to cease all collection activity. XXXX. Require Jefferson Capital LLC to delete this fraudulent account from all three major credit bureaus ( XXXX XXXX XXXX ). XXXX. Require written confirmation to me that the account has been removed and that no further reporting or collection attempts will occur. I have attached copies of my XXXX XXXX XXXX XXXX credit reports. I am available at the address above to provide any additional information needed. Thank you for your assistance. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/year>, I attempted to withdraw funds from my Bluebird account, which I had been using to save for a vehicle purchase. I followed the fee-free ATM locations listed on Bluebirds official website, but each location attempted to charge fees. Because of this, I canceled those transactions and continued searching for a legitimate fee-free ATM, as advertised. At a subsequent ATM, I made XXXX attempt, then tried again and was blocked with a message instructing me to contact my financial institution. I immediately called Bluebird ( American Express ) customer service and was informed by a representative that my card had been flagged for a security breach. I requested that the restriction be lifted so I could access my funds. The representative confirmed that the lock had been removed and that my money was accessible. However, when I attempted another withdrawal, the ATM returned error code XXXX and I was still unable to access my funds. I continued contacting Bluebird into the following day, ultimately requesting that my account be closed and that a check for my remaining balance ( approximately {$1500.00} ) be mailed to my address. This experience caused significant disruption, especially given that I was attempting to use my own funds for a time-sensitive purchase. Between inaccurate ATM fee information and inconsistent account access due to internal security actions, I was effectively denied access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
I received XXXX XXXX card in my name with out my consent on XX/XX/year>. I am a victim of identity theft. There are no credit card numbers on the card. It's a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc.
State: FL

Complaint narrative:
This company is contacting my mother for some business regarding XXXX XXXX. I have never lived at her address and also they have constanly called her

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing a formal complaint against Marcus by Goldman Sachs regarding my inability to access my funds and the lack of clear communication or resolution. I opened a savings account on XX/XX/year>, and deposited {$8000.00}. Prior to this, I had a savings account with XXXX XXXX, which I closed after transferring my funds to Marcus. On XX/XX/year>, I attempted to transfer {$75.00} to my XXXX checking account, which is a linked external account on file. The transfer was declined, with the explanation that my account was new. There is no clear disclosure outlining any restriction period for accessing funds, and when I contacted customer service, I was told they could not provide a timeframe for when transfers would be allowed. After reviewing the Deposit Account Agreement, I was unable to find any disclosed policy stating that withdrawals or transfers are restricted due to a new account status, nor any defined holding period. The explanations provided by Marcus representatives are inconsistent with the written agreement. Due to being unable to access my funds, I requested that my account be closed on XX/XX/year>, and that my full balance be transferred to my linked XXXX checking account. On XX/XX/year>, I was notified that the transfer was declined again. I was then informed that the transfer could not be completed because it was not being sent back to the original funding account ( my XXXX savings account ), which has already been closed. Despite having an active, linked XXXX checking account on file, Marcus has failed to transfer my funds to that account. At this time, Marcus by Goldman Sachs continues to hold {$8000.00} of my money without providing access, a clear explanation, or a viable solution. Their refusal to transfer funds to a valid, linked external accountwhile also being unable to return funds to a closed accounthas effectively left me without access to my money. I am requesting the immediate release of my funds to my linked XXXX checking account and a written explanation for these restrictions and failed transfer attempts. If this issue is not resolved promptly, I will pursue further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Consumer Complaint : Capital One Travel / Capital One Bank Product/Service : Credit Card / Travel Services Issue : Problem with a purchase or service/ Failing to process a refund for a cancelled service. Description of Complaint : I am filing this complaint against Capital One Travel regarding their failure to process a mandatory refund for a cancelled flight, resulting in a financial loss of {$1400.00} ( consisting of {$1100.00} in cash and {$300.00} in travel credits ). XXXX. Incident Timeline : Booking Date : XX/XX/XXXX. Original Flight : XX/XX/XXXX. Cancelled by the airline due to a snowstorm. Rescheduled Flight : XX/XX/XXXX. Cancelled again by the airline due to conflict/war. Refund Attempt : I have contacted Capital One Travel over XXXX times since XX/XX/XXXX, to request a full refund for these non-performed services. XXXX. The Conflict and Agency Negligence : Capital One Travel claims to have sent emails to the airline since early XX/XX/XXXX but states they have received no response. Despite my repeated follow-ups ( over XXXX calls ), Capital One refuses to escalate the matter beyond passive email inquiries. They have not attempted to call the airline or use secondary industry channels to resolve this, effectively placing the entire burden of the delay on me, the consumer. I have independently contacted the airline to accelerate the process. The airline explicitly stated that they can not issue a refund to me directly because Capital One is the " Merchant of Record. '' Crucially, the airline maintains that the refund must be initiated by Capital One Travel. XXXX. Consumer Harm : It has been over XXXX days since the final cancellation. Capital One has failed to provide a timeline for the refund or take the necessary steps to retrieve the funds from the airline. Furthermore, {$300.00} of the purchase was made using a " Travel Credit '' with an expiration date of XX/XX/XXXX. Because Capital One has delayed the refund process past this expiration date, I am now at risk of losing the value of this credit through no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
The XXXX XXXX XXXX has closed, and I was misled about information and Aid advantage is the server of the loan and there is a refund for the borrow defense loan and it is hard to get in contact with anyone. I have reach out several time and each time I am told different information concerning this process. My loans are at a XXXX balance since XX/XX/year> with a credit XXXX. This school closed and I was charged and I am trying to see what is going on with this process. They told me to reach out to the education department and they are saying this process is all done with aid advantage because they are the service the loans. Can anyone help with this process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo won't let me open a checking account despite telling them I was a victim of Identity theft. I have never Authorized or opened an account with Wells Fargo and They reported me to ( XXXX ) I need any information that Wells Fargo has to be remove and to allow me to open an account. I have tried to call and I have not gotten no were to have this resolved. I am being treated unfairly and being accused of doing Wrong doing wrongfully when I am in the Victim.

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 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I disputed an Apple Card account reported by Goldman Sachs, and the credit bureau updated the account but failed to correct inaccurate information. The account continues to report multiple " invalid date '' entries, which is clearly incomplete and inaccurate reporting under the Fair Credit Reporting Act. Additionally, the account reflects continuous monthly charge-off reporting with no changes in balance or activity, which is misleading and does not accurately reflect the account status. I requested proper verification, including the original agreement, full payment history, and validation of the balance, but no documentation has been provided. This account is being reported inaccurately and without proper verification. I am requesting that this account be corrected or removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
I've reach out to Cash App on many occasions regarding their handing handling of my pending {$100.00} payment ( Transaction # XXXX ), which has remained unresolved for 41 days despite my full cooperation and numerous attempts to contact their team. TIMELINE OF EVENTS : XX/XX/year> : A {$100.00} payment ( Transaction # XXXX ) was flagged by Cash App Compliance. I contacted support the same day and was told a refund would be issued by XX/XX/year>. XX/XX/year> : I responded via email confirming this was a legitimate domestic peer-to-peer payment to a recipient in Virginia. The XXXX flag emoji referenced in the compliance inquiry was used inadvertently and had no bearing on the nature or destination of the payment. XX/XX/year> : No refund was issued. I contacted support again. XX/XX/year> : I was told the case had been escalated and I would receive my funds within one week. XX/XX/year> : A representative named XXXX confirmed the transaction meets Cash App 's terms of service, that the case remained under escalated review, and that I would receive a response within two business days. XX/XX/year> : No response received deadline missed. XX/XX/year> : No email, no phone call, no resolution. XX/XX/year> : 41 days have passed since the original compliance inquiry with no resolution. Cash App has now missed at least four separate resolution deadlines : XX/XX/XXXX, approximately XX/XX/XXXX, XX/XX/XXXX, and the two-business-day window promised by XXXX on XX/XX/XXXX XXXX This pattern of delay, combined with the complete absence of any written resolution, constitutes a clear violation of Regulation E ( 12 CFR 1005.11 ), which requires Cash App to investigate promptly, complete its review within the legally mandated timeframe, and correct any identified error within one business day of determination. I first notified Cash App of this issue on XX/XX/year> 41 days ago. The continued delay and lack of written resolution constitutes a potential violation of federal consumer protection law, specifically the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ).

Company response to consumer: Closed with explanation