vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction of {$1400.00} was charged to my debit card via XXXX for XXXX XXXX. This occurred when someone hacked my XXXX account and used my saved payment information without my knowledge or consent. I discovered this fraudulent charge and contacted Chase immediately to report it as fraud. However, the Chase representative gave me incorrect instructions, telling me to file the claim under a " different reason '' rather than fraud. I followed their guidance, which led to Chase denying my dispute on XX/XX/XXXX, claiming the transaction was " processed according to information provided. '' When I escalated to Chase 's Executive Office, they admitted the transaction was fraud but claimed they could not help because XXXX rules state that since the items were delivered to me, it does not qualify as fraud. I explained that I am willing to return the items and do not want them, but XXXX refuses to provide a return label or assist with the return. Chase has now wasted over XXXX weeks of my time, gave false information about my claim file " not being sent, '' and continues to deny responsibility despite admitting this was unauthorized use of my account. They are blaming Visa rules while ignoring their obligations under Regulation E to properly investigate and resolve unauthorized electronic fund transfers. I have two unauthorized XXXX charges on my account approximately one month apart, indicating my payment information was compromised. Chase has failed to follow proper fraud investigation procedures and is refusing to credit my account for an admitted fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XXXX I received an email stating to make payment arrangements. I reached out to the company but was unable to receive any help I was told I would receive a call back. I called the following Monday and still no help. I set up payment arrangements on my own as I was unsure what to do! I received a letter in a mail from a firm asking if I needed help with a case being filed against me. I check and on XX/XX/year> JLaw/Midland credit management had filed a case against me the same day! This was the first time I personally had any notice from them in any way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
I wanted {$1000.00} loan and they let me do it and everything and they never showed me the interest rate so finally I was able to login and see and now theyre saying the total amount is {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
XXXX and Mohela they work together to XXXX over people that have school loans. They both were reporting the same exact loans and they were duplicated on my credit report for a year and it took months to get them corrected. They keep moving the loans around and adding money to them. I have not received any documents I have requested from either party. MOHELA took half my loans and switched over to a whole different servicer which is Aid Advantage, which I dont know if theyre much better considering they added {$10000.00} more onto the balance. All of this seems extremely fraudulent. I know them reporting on my credit report for well over a year in stopping me from getting a new house is definitely illegal. I got a hold of your company and got nowhere. I got a hold of XXXX got nowhere. I got a hold of XXXX XXXX and I got nowhere. Some of the loans sent over to Mohela were supposed to be forgiven loans/deleted and I was sent documents by the education department regarding this. And its never been fixed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SECURITY CREDIT SERVIC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: SC

Complaint narrative:
On XX/XX/year> numerous unauthorized purchases were showing up on my account. Apple Goldman Sachs contacted me as believing they were suspicious. I notified them that they were not authorized and the majority of them they removed from my account. There is only one that contained merchandise that was delivered to my address that they refuse to remove. The thief was so stupid, they did not change the address and the merchandise was sent to the address of the credit card, so therefore it was delivered to me. I turned this product over to my local police department in XXXX XXXX, South Carolina. I do not have the merchandise. I do not want the merchandise. I did not order the merchandise. It is XXXX seeds. They are illegal. I do not participate in illegal activities. I provided endless documentation to Goldman Sachs, including a police report and they still refuse to remove this theft my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am a retired customer. I have an account with apple saving backed by Goldman Sachs Bank USA for more than almost 2 years. Over the past three weeks I have spent approximately eight hours on the phone trying to transfer my funds from Goldman Sachs Apple savings account to my XXXX XXXX XXXX XXXX account. Both accounts are in my name only. So far I have managed to transfer 85 % of my funds with a huge struggle. Goldman sach Is now blocking every transfer request with absolutely no explanation or reason. No one has provided any written or verbal explanation for why they are doing so This is my money. Both accounts are verified in my name. All security information has been completed. I am retired person and this money represents my savings. I have been bouncing bask and forth by different agents for nothing. I am requesting the immediate release of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Hi there, I am submitting this complaint regarding significant, unilateral reductions in my Chase credit card limits that occurred in XX/XX/XXXX, which have caused material financial harm as given below. Despite my perfect payment history and responsible usage, Chase has refused to restore my limits or provide any explanation. Other lenders continue to approve me for credit at higher limits and report excellent payment history, showing that my creditworthiness is strong as I am using approx.XX/XX/XXXXof my total Credit limit : {$130000.00} available to me. My credit score has dropped significantly, directly impacting my ability to secure credit at favorable rates. New lenders are approving me at higher interest rates due to the lower reported limits. I am losing access to competitive financial opportunities ( loans, mortgages, and premium cards ), which is ongoing financial harm caused by Chases inaction. Credit limit reductions : Credit Card Number Original Credit Limit Reduced Credit Limit Date UNITED EXPLORER ( ... XXXX ) {$14000.00} {$3800.00} XXXX SAPPHIRE PREFERRED XXXX ... XXXX ) {$10000.00} {$1700.00} XXXX FREEDOM UNLIMITED ( ... XXXX ) {$7300.00} {$1000.00} XXXX SLATE ( ... XXXX ) {$2000.00} {$1000.00} XXXX Total Chase Credit Limit : {$33000.00} {$7500.00} Total Reduction XXXX {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted an ACH payment through the companys online portal. The payment was intended to be {$360.00}, but {$3600.00} was entered and processed in error ( payment entry error ). The {$3600.00} payment posted on XX/XX/year> as a Payment Thank You transaction and cleared my bank account. After realizing the error, I contacted the company and requested a XXXX Research/EFT review to correct the payment so that only {$360.00} remains applied and the excess {$3200.00} is returned to the originating bank account ( or issued as a refund check if ACH return is not available ). I also requested a written ledger showing how the payment was applied, including the payment posting details, and written confirmation of the refund method and timeline. To date, I have not received the requested information or resolution. I am requesting that the company promptly correct the payment error and return the excess {$3200.00}, and provide written confirmation and supporting accounting of the adjustment/refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: SC

Complaint narrative:
I recently became aware that my federal student loan servicer had changed as part of the federal student loan servicing transfers. I was not properly notified that my loans had been moved to a new servicer. The contact information the servicer had on file for me was outdated, and I did not receive any correspondence or communication about the transfer of my loans or any required payments. Because I did not receive notification of the servicer change or payment requirements, my loans were reported as delinquent to the credit bureaus. This caused a significant drop in my credit score of approximately XXXX points. Once I became aware of the issue, I immediately contacted the servicer and took action to address the account. My account has now been placed in forbearance while I work with the servicer to resolve the situation. Given that I was not properly notified of the loan servicer transfer or payment obligations, I am requesting that the delinquency reporting be reviewed and corrected with the credit bureaus. The current reporting has caused substantial damage to my credit despite my efforts to resolve the account once I became aware of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
NATIONAL CREDIT ADJU is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJU 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Date : XX/XX/year> Fraud Investigation Department Goldman Sachs Issuer of the Apple Card Re : Formal Legal Demand Unauthorized Apple Card Account, Credit Reporting Violations, and Immediate Corrective Action Required To Whom It May Concern, This correspondence constitutes a formal legal dispute and demand for immediate corrective action regarding an Apple Card account issued by Goldman Sachs that has been opened and/or reported under my name without my authorization, knowledge, or consent. I did not apply for this account, authorize any credit inquiry associated with it, nor did I consent to the creation or reporting of this credit line. The presence of this account within your systems and its reporting to consumer reporting agencies constitutes materially inaccurate and potentially unlawful credit reporting activity. Your institution, as a furnisher of credit information, is legally obligated under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) to ensure the accuracy and integrity of all information reported to consumer reporting agencies and to conduct a reasonable investigation upon notice of dispute. Accordingly, you are hereby placed on formal notice that the following actions must be taken immediately : XXXX. Immediate closure and permanent deletion of the unauthorized Apple Card account from all Goldman Sachs internal systems and databases. XXXX. Immediate removal of all tradelines, inquiries, and related reporting connected to this account from the following consumer reporting agencies : o Experian o Equifax XXXX TransUnion XXXX. XXXX. Immediate removal of any internal fraud indicators, risk flags, or derogatory notations associated with my consumer profile that have arisen from this unauthorized account. XXXX. Written confirmation that all references to this account have been fully removed from both your internal records and all credit reporting agencies. Please be advised that continued reporting or failure to correct inaccurate information after receiving notice constitutes willful or negligent noncompliance with the Fair Credit Reporting Act and may subject Goldman Sachs to statutory damages, actual damages, punitive damages, and recovery of attorneys fees and costs. Should this matter not be promptly resolved, I will pursue all remedies available to me, including filing formal complaints with the : Consumer Financial Protection Bureau Federal Trade Commission and pursuing further legal remedies as permitted under federal and state law. This matter requires immediate attention. I expect written confirmation of the corrective actions taken within the statutory investigation period prescribed under federal law. Failure to remedy these violations promptly will be interpreted as willful noncompliance, and I will proceed accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am disputing a deficiency balance of {$43000.00} claimed by Ally Financial after a Maryland vehicle repossession. 1. Violation of Maryland Commercial Law 12-1021 : Ally has failed to provide mandatory post-repossession notices ( Notice of Right to Cure and Post-Sale Accounting ) and Commercially Reasonable Sale proof despite two formal validation requests sent via certified mail ( Received by Ally on XX/XX/XXXX and XX/XX/year> ). Ally only provided a 'Payment History, ' which does not satisfy the legal burden of proof under XXXX XXXX XXXXXXXX. Per XXXX XXXX XXXXXXXX ( k ) ( 4 ), failure to provide these notices bars the lender from collecting a deficiency. 2. Misrepresentation of Debt Amount : I have an email from Ally stating my balance was agreed upon at {$16000.00} under an extended plan I paid on for one year but I did not received signed agreement with full terms of payment and also I was also subjected to harassment from Ally, they wouldn't let me set up an automatic payment, they forced me to call them every month, and then they hung up or transferred me from one number to another. Ally is now attempting to collect {$43000.00} XXXX. Continued Collection During Dispute ( FDCPA Violation ) : Despite receiving my formal dispute on XX/XX/XXXX, Ally continued collection activity by sending a demand notice on XX/XX/XXXX and assigning the debt to a third-party collector, XXXX XXXX XXXX XXXX Notice dated XX/XX/XXXX ). This violates the FDCPA, which requires all collection activity to cease until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am filing a formal complaint regarding my auto loan lenders servicing practices. The original loan was for XXXX. The balance now is XXXX, pay off is XXXX. I believe my account has been mishandled through improper fee stacking, and unclear application of payments toward interest, principal, and fees. I have been charged multiple late fees in short timeframes and provided unclear explanations of additional charges. From the beginning of the loan in late XXXX through XXXX, I made numerous payments before or within billing cycles that, when combined, satisfied or substantially satisfied the monthly payment obligation. Despite this, Santander repeatedly : Held partial payments without timely application to principal. Continued accruing interest while payments were held. Applied payments disproportionately or entirely to interest, including large payments. Assessed late fees and miscellaneous fees even where cumulative payments were made within the billing cycle. Many payments were applied as 100 % interest, and late or miscellaneous fees were repeatedly assessed, resulting in delayed principal reduction and an inflated total cost of the loan. This pattern occurred consistently from the earliest months of the loan and is not limited to a single billing cycle. Santander represents this loan as a simple-interest loan. Under a simple-interest structure, payments received should reduce the principal balance as of the date received, thereby lowering the average daily balance used to calculate interest. Holding partial payments in suspense while continuing to accrue interest and assess fees materially increases the cost of the loan and undermines reasonable consumer expectations. I am requesting the following : A complete transactional history showing the date each payment was received, posted, and applied. A daily interest accrual ledger for each billing cycle from loan origination to present. Written explanation of Santanders policy regarding partial payments, suspense accounts, and interest application. A payment made in XX/XX/XXXX was withdrawn from my bank account but was never properly credited to my loan. Despite repeated payments over the life of the loan, I am being told my vehicle has been assigned for repossession. I have absolutely NO problem paying what I ACTUALLY OWE! The missing XX/XX/XXXX payment alone significantly affects the past-due calculation.I am asking that your office review this matter for potential unfair servicing practices and require the lender to provide a full and accurate accounting of my loan. This vehicle is necessary for getting my severely XXXX daughter to school, therapies and doctor appointments and daily living.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
XX/XX/year> : tried calling TD Bank again for fraudulent charge. Spent 20 minutes getting through phone tree and it says to go online to dispute the charge. Online it says you have to call. I tried calling and couldn't get through. I tried sending a message online and it says " task incomplete '' There's a fraudulent charge that's been accumulating interest since XXXX and they won't dispute it or investigate. I've sent documentation to their email address more than 20 times. I've called more than 30 times. I've sent 17 messages online. There is no wayt o contact them and they avoid accountability

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
I put in a dispute with XXXX XXXX XXXX two times. They first time they granted it. I canceled the policy less than a week because they failed to send me the contract after I emailed them two times. I disputed the charges with Chime bank. # XXXX dispute was granted. # XXXX dispute I have been waiting over 30 days. XXXX canceled the warrenty, I sent a copy to Chime Bank. I want the rest of my money back because I never used this service and I never received a contract. The money that I am requesting is {$140.00}.

Company response to consumer: Closed with explanation