vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: WA

Complaint narrative:
I am submitting this complaint update to report additional concerns regarding XXXX handling of my fraud case involving XXXX XXXX After receiving a denial of my fraud claim, I contacted XXXX by phone on XXXX XXXX around XXXX to formally request escalation to a supervisor or compliance officer. During this call, I was informed that no supervisor and my request for escalation was not accommodated. This is concerning because I was attempting to escalate a legitimate fraud case. The transactions was induced by a loan scam, where I was instructed to send multiple payments under false pretenses ( including OTP code and other related fees ). I did not receive any loan or legitimate service. XXXX has repeatedly relied on the explanation that the funds were already credited while failing to address the fraud elements of this case. Additionally their refusal or inability to escalate the matter raises concerns about their internal complaint handling and fraud response procedures. I am requesting that the CFPB review : * XXXX handling and investigation of this fraud case. * Their failure to escalate a fraud complaint upon request. * Whether their response meets expected standards for fraud resolution and consumer protection. I have also reported this incident to the Federal Trade Commission and I can provide the report number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, I am writing to request the removal of the {$29.00} fee on my account. This fee appears to be related to unrecognized charges totaling {$65.00}. Based on our XXXX billing statement, we were under the impression that the account balance was {$0.00}. We were not aware of any remaining balance or pending charges at that time. I opened a dispute case for the {$65.00} in unrecognized charges. I also spoke with XXXX, ID # XXXX, regarding this matter. However, she refused to remove the {$29.00} fee while the disputed charges are still under review. I am unable to finalize my payment because the current balance includes charges and fees that I believe are unfair and disputed. Since the {$29.00} fee resulted from the unrecognized charges, I respectfully request that the bank waive the {$29.00} fee and prevent any further fees or negative action while the dispute is being investigated. Please review this matter and provide a written response regarding the status of the disputed charges and fee removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: MO

Complaint narrative:
In XX/XX/year>, I contacted Solar Servicing LLC regarding a solar loan originally financed through Mosaic that was later transferred to Solar Servicing LLC after Mosaic filed for bankruptcy. My family is an XXXX XXXX military family undergoing a required XXXX XXXXXXXX XXXX XXXXXXXX ( PCS ) relocation from XXXX XXXX XXXXi. As part of this relocation, we were under contract to sell our home in Arizona. On XX/XX/year>, I contacted Solar Servicing LLC by email to initiate the process of transferring the solar loan to the homebuyer, who was willing to assume the loan as part of the home purchase. This is a standard process for solar loans and was how the loan was originally represented to us. On XX/XX/year>, Solar Servicing LLC responded and stated that they are not processing applications for transferring solar loans to homebuyers and recommended that the loan be paid off instead. On XX/XX/year>, I submitted a formal escalation request by email, including documentation of military orders and details of the active home sale. I requested that the situation be reviewed as an exception due to the required military relocation and the fact that we have a qualified buyer willing to assume the loan. Later on XX/XX/year>, Solar Servicing LLC responded to the escalation and confirmed that they are not currently processing loan assumptions or transfers to homebuyers, regardless of the change in servicing from Mosaic. I also contacted the company by phone and requested information about loan transfer, assumption, and any hardship or relocation-based exceptions. I was informed that no such options are available and was directed to submit my request via email to the escalation team, which I did. As a result of this policy, we are unable to transfer the loan to the buyer, even though the buyer is willing and qualified to assume it. The remaining loan balance is approximately {$36000.00}, which we are not able to pay out of pocket following a required military relocation. This situation was caused by a change in loan servicing outside of our control and is now preventing us from completing the sale of our home. As a direct result of this issue, the buyer who was under contract for our home withdrew from the purchase due to the inability to transfer the solar loan. This has caused immediate and ongoing financial hardship, as our home is now back on the market and we are required to continue covering housing-related expenses while relocated due to military orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sometime in XXXX for around {$500.00} could be more or less due to it being in collections.

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 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am filing a complaint regarding a misleading promotional offer from Goldman Sachs ( Marcus by Goldman Sachs ). I opened a Marcus Online Savings Account through a promotional page advertising Earn up to {$1500.00} cash bonus and deposited {$100000.00} in new funds. I maintained the balance for the required period ( approximately 90 days ), fully meeting the funding and holding requirements shown on the promotional page. However, when I followed up regarding the bonus, I was informed that my account was not eligible because I had not completed a separate enrollment step. This requirement was not clearly disclosed in a way that a reasonable consumer would understand. The promotional page prominently displays the bonus and includes a call-to-action button labeled Enroll now, which reasonably implies participation upon account opening. There was no clear and conspicuous indication that opening and funding the account would not automatically qualify me, nor that an additional manual step was required to enroll in the promotion. As a result, I relied on this promotion when making a significant financial decision to deposit {$100000.00}. Had the enrollment requirement been clearly disclosed, I would have ensured compliance or reconsidered opening the account. I believe this constitutes misleading marketing and an unfair consumer experience, as the design and presentation of the promotion create a reasonable expectation of eligibility that is not honored in practice. I am requesting that Marcus honor the {$1500.00} promotional bonus in good faith, given that I met the financial requirements and acted in reliance on their advertised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my account was compromised by fraud. I immediately contacted the fraud team, provided photo ID and all requested documentation within hours. My account was suspended for investigation ( internal case # XXXX ) and marked " high urgency. '' It is now XX/XX/year> XXXX days later and the investigation remains unresolved with no timeline provided. The company promised an update by XX/XX/XXXX over the phone but I never received an email update. I have attempted to follow up multiple times via email ( no responses ) and phone calls ( no substantive updates ). I am unable to : Make payments on the existing balance Close the account ( company refuses while " under investigation '' ) Get any written confirmation about fee/interest waivers or protection from negative credit reporting On today 's call ( XX/XX/XXXX ), I received only verbal assurances that fees would be waived, but nothing in writing and still no resolution timeline. I am the fraud victim yet have been locked out of my own account for nearly XXXX weeks with no path forward. I need immediate resolution, account closure, and written confirmation that no financial penalties or credit damage will result from this suspension period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITIBANK CLOSED MY ACCOUNT WHILE I HAD FUNDS IN MY SAVINGS AND CHECKING ACCOUNT THEY WONT TELL ME WHAT WAS THE REASON OF CLOSURE THEY WONT TELL ME WHERE IS MY FUNDS.

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 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lockhart, Morris & Montgomery Inc.
State: AZ

Complaint narrative:
I am submitting this complaint my request for immediate deletion of my personal information. The company has not verified any information associated with me, yet my personal data appears to have been collected, retained, or used without proper validation or authorization. I have not been provided with any confirmation that my identity or information was appropriately verified before being processed. I have requested that my personal data be deleted, but the company has failed to confirm that this has been completed. This raises serious concerns about improper data handling practices and the companys compliance with consumer protection and privacy obligations. I am requesting that Delete all personal information associated with me from all systems, including stored and archived data ; Cease any collection, use, or sharing of my information ; Provide written confirmation that my data has been fully deleted. I expect prompt resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
I am filing this new complaint because XXXX XXXXLaunch Servicing, LLC 's response to Case # XXXX provided deceptive information. Ascent/Launch claims that the XXXX CFPB Order ( XXXX ) covers only XXXX through XXXX. This is false. The school rebranded to " XXXX '' in late XXXX, and the CFPB findings of fraud may apply directly to my XXXX enrollment. Please see the attached Rebuttal PDF. Furthermore, Ascent/Launch is misrepresenting the FTC Holder Rule ( 16 CFR 433.2 ) by claiming it only applies to ISAs. As a Maryland resident, I am asserting my rights against these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/year> I went into cash app to pay back a loan from a friend. Went in added the person name and cash tag added the XXXX to be sent ( XXXX ). Hit send and shows it went to a totally different person! ( XXXX ) Scrambling to stop it trying to contact support. By time I was able to get to a support person of course the money had already been sent! So I follow cash app instructions and requested a refund and started an appeal. They denied my appeal and have done absolutely NOTHING to help aide in getting my money back that they had sent to someone that wasnt a contact or a suggested contact, a common name and someone I don't even know! Sure I sent them XXXX for a friend once. But they weren't even the last person XXXX cash app money to before this transaction. And why when ive been asked on lesser amounts and a contact for the last XXXX of phone number why on a common name and non contact and a large dollar amount how that isn't high risk and doesn't need verification with last XXXX of phone number just blows my mind away. Just proves cash app doesn't care about their customers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Capital One account has been under restriction/review beyond the originally stated XXXX timeframe. I submitted requested documentation and later provided additional savings documentation after being told it would not restart my review. I am now receiving conflicting information about whether my case restarted, and customer service representatives have been unable to clearly explain my case status or timeline. The in-app chat is not equipped to address account review issues, and I have been unable to obtain accurate information through normal support channels. I am requesting clarification of my review status, timeline, and next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Ive been contacted about two accounts with Jefferson capital systems. Ive never done business with them and this debt has been written off by company. When I advised them about this I was told they would remove the trade line. It has not happened. This is negatively impacting my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted BMO to report a XXXX transaction for a service that was not provided. The payment was authorized by me, and I was seeking assistance with a disputenot reporting fraud. However, the representative ( XXXX ) misclassified my report as fraud without properly clarifying the situation, which resulted in my account being abruptly closed. As a result of this error, I am now unable to receive critical incoming deposits, including my paycheck and a university reimbursement. Additionally, the funds that were already in my account have been frozen and are inaccessible to me. This has caused immediate financial hardship, including the inability to meet time-sensitive obligations such as rent. When I attempted to resolve the issue, I spoke with a supervisor ( XXXX ), who was dismissive and did not provide any meaningful assistance or escalation options. I was told there was nothing that could be done. This situation reflects a failure to properly assess a customer report, leading to inappropriate account closure and denial of access to my own funds.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to FCRA section 1681, it is illegal to report anything on my credit report without my permission. Please remove this negative item off my report. Thank you.

Company response to consumer: Closed with explanation