vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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 this complaint regarding a billing dispute on my Apple Card account issued by Goldman Sachs. I disputed two charges totaling {$320.00} and {$53.00}. I was informed by customer service that provisional credits were issued for both disputes. However, the account ledger does not reflect that information. My account currently shows : Total transactions : {$4900.00} Current balance : {$4500.00} The difference between these numbers is {$320.00}, which indicates that only the {$320.00} provisional credit has been applied. The {$53.00} provisional credit that customer service claims was issued in XXXX is not reflected in the balance or transaction history. I have repeatedly asked customer service to provide the transaction date or ledger entry for the {$53.00} provisional credit, but they have been unable to do so. This raises concerns that the disputed amount is still being included in my balance even though the dispute is open. Under the Fair Credit Billing Act, disputed charges should be handled properly and the account records should accurately reflect any provisional credits issued during the investigation. I am requesting that Goldman Sachs review the account ledger, confirm whether a provisional credit for {$53.00} was actually issued, correct the balance if necessary, and provide a written explanation of the account calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have tried contact business after business over this debt, it has been on my collection record for 2 years now and nobody is able to tell me who to contact to speak with. I have no recollection of this account/debt and have had no evidence reporting this debt as mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought something on the internet using paypal, didn't recieve the product, paypal tried to hold the funds for over 20 days, I reversed the transaction with my bank. Now paypal has locked my account, and demands many pieces of information I refuse to give, and then they are harassing me to give them that information by email, text message, over app messages, and then calls, and I refuse to give it to them and want them to delete my account and leave me alone forever, but they keep on harassing me despite calling them and asking them to never contact me, please get them to leave me alone forever, and possibly delete my account and never bother me again!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate, inconsistent, and unverifiable reporting by LVNV Funding LLC concerning multiple accounts they are reporting on my credit file. These accounts are being reported with conflicting and inconsistent information across credit bureaus, including : * The same accounts being reported as both collection and open account * Conflicting account statuses such as collection/chargeoff and late 120 days * Inconsistent Date Last Activity and Date of Last Payment across bureaus * Reporting that does not logically align for the same accounts These discrepancies demonstrate that the information being furnished is unreliable and not reported with accuracy. Additionally, LVNV Funding LLC, as a debt buyer, has not provided : * A signed contract or agreement bearing my signature * Complete account-level documentation from the original creditor * Proof of chain of assignment * A full payment history Despite these issues, the accounts continue to be reported as verified. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), I have the right to proper validation of the debt. Under the Fair Credit Reporting Act ( FCRA 1681s-2 ), furnishers are required to report accurate and verifiable information. At this time, these accounts are clearly inconsistent, unreliable, and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding multiple inaccurate and unverifiable accounts being reported on my credit file. These accounts are negatively impacting my ability to obtain housing and credit. The following accounts are reporting inaccurate, misleading, or unverifiable information : 1. Credit Management Company ( Medical Collection ) Issues include : Failure to properly validate debts Reporting inaccurate late payments Medical debt reporting concerns Duplicate or inconsistent balances Failure to provide original signed agreements Reporting accounts with incomplete investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/year>, I did an ACH for {$20000.00} from my XXXX XXXXXXXX XXXX Account to a business account with Truist Bank. When setting up the transfer, I go spell checked with the business name and the funds were never deposited in the account. The business name didn't match the account number so Truist didn't deposit the funds into that account. Now Truist is refusing to return the funds back to my XXXX XXXX XXXX Account. XXXX XXXX XXXX has said that they have contacted Truist to get the funds returned but no response. Truist won't reply or give me any information. I went by a Truist branch and they said they couldn't help me because I'm not their customer. XXXX XXXX XXXX says that the ACH was completed so Truist has the funds. Confirmation number from XXXX is : XXXX. Company name sent to is : XXXX XXXX XXXX, XXXX. Spell check put " XXXX '', Account number XXXX, routing number XXXX. Bank address is XXXX XXXX XXXX XXXX. Washington XXXX DC XXXX.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing in response to Cash Apps reply regarding my complaint. Cash App stated that my account was closed due to a violation of their Terms of Service or Acceptable Use Policy. However, they did not provide any specific details about what activity allegedly violated their policies. This lack of transparency makes it impossible for me to understand or address the issue. I have been a customer since XXXX and have made multiple attempts to resolve this directly with Cash App, but I have not received a meaningful explanation. I am willing to provide any documentation needed, including bank statements or identification, to clarify my account activity. I am requesting that Cash App provide a clear and specific reason for the account closure, including the exact policy or activity in question. A general statement citing a policy violation is not sufficient. If the account can not be reopened, I am requesting a more detailed explanation of the decision and confirmation that all of my funds are fully accessible without restriction. Thank you for your assistance in ensuring transparency and fair treatment. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I provided written notice to my apartment complex that I would not be renewing my lease, which was set to end in XX/XX/XXXX. This provided more than the required notice period. Despite this, the apartment later claimed I did not provide proper notice and sent my account to collections without properly validating the charges or giving me a fair opportunity to resolve the matter. I requested documentation including an itemized breakdown of charges, proof of damages, and an explanation of how the debt was calculated, but this information was not properly provided. Additionally, this lease included multiple tenants, and I do not believe the charges are being fairly or accurately assigned. The amount being claimed is inaccurate and unsupported. I am disputing this debt and requesting full validation, correction, or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased two pairs of XXXX XXXX XXXX XXXX shoes online for {$960.00}. This was a scamI never received the shoes. The seller provided XXXX tracking number XXXX to my credit card issuer ( Bread Cashback/Comenity Bank , account ending XXXX ), who used it to deny my dispute because it shows delivered. I did not receive this tracking number until today from the dispute report or Comenity. XXXX confirmed on XX/XX/XXXX, that the delivery address is not mine ( full details unavailable for privacy ). The seller blocked me after payment. I filed a XXXX Mail Fraud report on XX/XX/XXXX, and requested dispute reconsideration with this evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XX/XX/year> a collection of {$1100.00} that was never verified or sent proof of was added to my credit profiles. No steps to acknowledge or send recipes of debt was ever received by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TN

Complaint narrative:
An issue occurred at my bank ( PNC Bank ) a letter was sent out to an address that I have no association with, and I know that they have my correct address because they mailed me my debit card! My account was froze because I didn't respond to the letter that was mailed to the wrong address which is not my fault, so when I go to try to resolve the issue they proceed with saying that your account is being closed and they are making me wait for a check to receive my funds, this is every dime to my name I have went 4 days without money because of this, this has cause the more issues than just not having food to eat, gas for my vehicle or access to my funds, it has also caused problems with my job. There are no pending transactions on my bank account but they were still refused to give me access to my money I have tried nicely every route possible that I know of, and it makes it worse that everyone I talk to give me information and I call another person and they tell me no that's not true they keep giving me the runaround, I just want my hard-earned money that I worked for, I feel like this bank is trying to punish me, for a mistake on their end! This issue would have been resolved if they would have sent the letter to the correct address!! Plz help so no one else has to ever go through this again!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, I had a XXXX XXXX monthly service fee charged by Chase Bank. I have never had a service fee charged by this bank and was shocked to see the withdrawal. I called Chase Bank and was notified this new fee amount was instituted in XX/XX/XXXX. Unfortunately, they failed to notify me of the updated terms. If a bank is going to increase their service fee by XXXX times the prior amount, notifying their account holders should be paramount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WV

Complaint narrative:
Cash App account was hacked and they are denying to fix the problem. Since XX/XX/XXXX they have not contacted me besides emails stating they can not refund what was stolen. Now they are saying after investigation they can not reopen the claim to fix it. A text message was sent to me pretending to be Cash App. They got into my account and stole money from me. I want it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was a fraudulent account opened in my name and there saying it was a charge off balance with the account. I immediately contacted the fraud department to report the fraudulent account opening and the bank mailed me out a fraud packet to fill out. Despite accurately filling out the claim and submitting my identity documents, the bank sent me a letter saying the claim was denied and the account will remain with a balance. I also proved the name of the person that did this to me in the claim. This account was opened fraudulently and I had no idea about this until I went and tried to open a bank with US bank and they said I already have an account with them. I immediately told the bank teller Ive never had an account there before. Thats when I knew someone opened this account fraudulently. This account is reporting to an agency called early warning check systems and its stopping me from living a normal life because I can not open a bank account to save for my future. Each time I call the us bank fraud department they repeatedly just tell me to keep re-submit a fraud claim. At this point its very frustrating and if this account isnt closed out my name I would like to hire a attorney to help me sue us bank for attaching me to a fraudulent account opening. Please remove this off of my name. Its a fraudulent account.

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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I reached out to Fifth Third Bank early this year because I am overpaying on escrow by thousands of dollars. The bank responded, saying that my Escrow is paid, but at this point, it's overpaid by at least XXXX XXXXXXXX {$20000.00}. - Yet they keep increasing my monthly payment year over year. My insurance is {$4200.00}, and Taxes are XXXX XXXX. Escrow is charging me + XXXX XXXXXXXX. The only response is that my escrow is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-17 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: Block, Inc.
State: GA

Complaint narrative:
I placed a order on XX/XX/year> through XXXX XXXX from XXXX XXXX in XXXX Ga but I cancelled the order at least XXXX seconds after placing the order because I forgot to order fries with the wings I ordered. I cancel the order XXXX took XXXX of my {$45.00} that I spent at the restaurant because I canceled the order so I called XXXX to get a refund at first they was hesitant to give me the refund because I canceled my order and they tell me that the {$30.00} was for me canceling the order because the restaurant has started preparing my order so I called XXXX XXXX and I asked the XXXX if theyve prepared order or started to prepare the order and she tells me no because I canceled the order. I called XXXX back and let them know that she said that I spoke with the XXXX and she told me that she didnt start to prepare my order because I canceled, but they didnt want to give me a refund until I had the XXXX on the line with the XXXX representative XXXX the XXXX from XXXX XXXX told the XXXX representative XXXX I canceled my order and that he can refund my money. XXXX refunded my money of {$30.00} on XX/XX/XXXX on XX/XX/XXXX XXXX charges my card again for {$30.00} so I called XXXX to ask them why did they charge my card a second time after they already given me my refund, no one could tell me anything and it wasnt no XXXX available. They said someone will call me within XXXX to XXXX hours. I never received the call. I then call Cash app so that I can dispute the charge and submit my receipt. Cash app denied my dispute so XXXX appeals, Cash app denied my appeal. Im at a point where I just feel like Cash App is not doing a throughly investigation of my dispute because if you pull out my transaction and if you read what XXXX saying, then you will understand where the issue falls. I also have recordings between XXXX XXXX myself and the XXXX XXXX telling the XXXX XXXX representative that is fine to give me my refund. And before I started recording, I did let everyone know that I were recording for my records. My issue is with Cash App and XXXX XXXX for charging my card a second time and Cash app for not doing a thorough investigation of said dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My Business credit card has been placed under a fraud-related restriction without any notification to me for approximately eight ( 8 ) months. During this time, I have complied with all requests for documentation and verification. Despite my cooperation, Barclays has failed to resolve the matter within a reasonable timeframe and has effectively denied me access to the account and its associated services. Everytime I call they request another paypaper work to be mailed or faxed. NO notifications are sent, so unless you call, theres no way of knowing anything. even if you call, they dont tell you the reason why the account was put on hold. While the account has remained unusable due to this prolonged restriction, Barclays has assessed an annual fee. Charging a fee for an account that has been inaccessible due to the institutions own internal review process constitutes unfair billing and a failure to provide the contracted service, and denied me to cancel the card even though the balanced owed was paid in full once I learnt this card was on hold. As a small business owner Barclays actions have caused unnecessary financial harm, inconvenience, and uncertainty. The prolonged nature of the restriction, despite full compliance on my part, raises concerns regarding the adequacy and timeliness of their account review procedures. I respectfully request the following : Immediate reversal of the annual fee assessed during the period in which the account was restricted Prompt resolution of the account restriction, or alternatively, closure of the account without penalty Written confirmation that no negative information related to this matter will be reported to any credit reporting agencies I believe this situation reflects unfair treatment and request that this matter be reviewed and resolved promptly.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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