vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX is violating the FCRA and my rights to privacy, by falsely representing to consumer credit reporting agencies that they own they alleged debt they are claiming is owed. This constitutes inaccurate credit reporting. This company accepted my note as cash equivalent, therefore offsetting their accounting ledger. They have caused me damage by reporting inaccurate information to my consumer reports. They failed to provide strict proof that they have a perfected security interest in the receivables, therefore has no standing to collect or report any information to the consumer credit reporting agencies. This company has already been compensated for the alleged obligation, as they used the original note as collateral security and is attempting unjust enrichment. They are not the real party in interest.

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 2026-04-01 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: CA

Complaint narrative:
Consumer : XXXX XXXX Account : Capital One Credit Card ( ending in XXXX ) Amount : {$260.00} Merchant : EconomyBookings.com Transaction Date : XX/XX/XXXX I dispute a {$260.00} charge from XXXX for services that were never rendered. Capital One improperly denied my dispute in violation of the Fair Credit Billing Act ( XXXX ), XXXX XXXX. XXXX, and its implementing regulation Z, XXXX C.F.R. XXXX. Facts : The merchant charged me for a car rental reservation that did not exist at the actual provider ( XXXX, located at XXXX XXXX XXXX, Alaska, XXXX ). I was informed directly by the provider that no reservation was on file and no vehicle was available. I canceled prior to service and received no benefit whatsoever. I was forced to obtain alternative transportation and paid {$170.00} out-of-pocket ( XXXX XXXX ; documentation provided ). This constitutes services not rendered and failure of consideration. ( See my formal dispute letter dated XX/XX/XXXX ) Capital One failed to comply with federal law by : Failing to conduct a reasonable investigation Accepted the merchants position without verifying that any service was provided. This violates XXXX XXXX. XXXX ( a ) and XXXX C.F.R. XXXX ( f ). Denying procedural fairness and due process Did not request or meaningfully consider my evidence. Refused to disclose the documents allegedly submitted by the merchant. Prevented me from rebutting the merchants claims. Issuing an unexplained determination Failed to provide the evidentiary basis for its decision, contrary to XXXX ( a ) ( XXXX ) ( B ). Engaging in unfair and deceptive practices ( XXXX ) XXXX on undisclosed evidence and refusal to provide transparency constitute an unfair practice under XXXX XXXX. XXXX. This is not a billing error involving quality or cancellation terms. This is a complete absence of service : A creditor can not lawfully uphold a charge where no goods or services were delivered and no benefit was received. Capital Ones acceptance of the merchants unsupported claims without proof of service fails the reasonable investigation standard required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I successfully completed a wire transfer from my XXXX online savings account to an external escrow account for the purchase of a new home. On XX/XX/year>, I requested a wire transfer for the full balance in my XXXX online savings account to fund the remaining due for the home purchase. I spoke with a representative at approximately XXXX XXXX XXXX, but received no notification or confirmation of an outgoing wire transfer. I called again at approximately XXXX PM XXXX, and there was no record of a request. I resubmitted my wire transfer. Less than an hour later, I received a call and have been stuck in a loop with representatives from different departments. They claimed that there were logins back in XX/XX/year> from an unrecognized IP address from several XXXX states that are outside of my residence. Due to potential fraud that XXXX claims, my wire transfer request was rejected, and my account was temporarily suspended. They are now effectively holding my money, I can't access it, and why does potential fraud matter now when it occurred back in XXXX? If this were truly about account security, this should have been addressed many weeks ago. This feels like a stall tactic to hold my money. Because my wire transfer is behind, this will delay my close date, which will affect my mortgage XXXX and reschedule all my contractors. This is a serious matter with large financial consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I am filing this complaint regarding my federal student loan account serviced by Nelnet and the apparent misapplication of the XXXX ( Saving on a XXXX XXXX ) repayment plan. I am currently enrolled in the XXXX plan with a required monthly payment of {$0.00}. Under this plan, unpaid interest beyond my required payment should not be charged to me. However, my account continues to accrue interest daily ( approximately {$7.00} per day ), and my total accrued interest now exceeds {$5900.00}. Additionally, all payments I have madetypically between {$18.00} and $ XXXX been applied entirely to interest, with no reduction in principal. This indicates that the XXXX plans interest subsidy is either not being applied or not being properly reflected in my account. As a result, I am experiencing ongoing balance growth or stagnation despite being enrolled in a program specifically designed to prevent this outcome for borrowers with low or {$0.00} payments. I previously contacted Nelnet directly to request clarification and correction of this issue but have not received a response or resolution. This situation raises serious concerns about : Failure to properly implement XXXX plan protections Improper interest accrual and lack of subsidy application Lack of transparency in account servicing Given these circumstances, I am requesting : A full audit and correction of my account Removal of any improperly accrued or unwaived interest A clear explanation of how XXXX plan subsidies have been applied Assurance that my account is being handled in compliance with federal guidelines Due to the financial harm caused and the failure to properly administer the XXXX plan, I am also requesting full discharge and forgiveness of my remaining loan balance as an equitable remedy. I am further concerned that this issue may not be isolated and could be affecting other borrowers enrolled in the XXXX plan. I request a prompt and thorough investigation into this matter and a written response detailing all findings and corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
VIN # XXXX I contacted the dealership on XX/XX/year> to request a refund for my Gap warranty and my tire/wheel warranty due to me refinancing to another company. XXXX XXXX XXXX XXXX did not explain anything on the front end or can give me any details regarding the refund. He then told me it could take weeks to get something back. He called me after I left upset and said they were sending me out payment. I get a payment for around {$750.00} for the gap ( prorated ) as I had the car for 2 years. However, I get nothing refunded for the tire/wheel warranty I paid {$1600.00} for. XXXX XXXX at the dealer ) advised since I had a few claims that I wouldn't get anything when I called on XXXX to inquire about it ( nothing explained to me when I was up there )/ I call First Class Protection Plan myself on XXXX and they stated the policy is still active ( after I was told it was cancelled ) and no one can tell me if there's a refund as there has been no quote done. I advised even if I had a few claims, I should get some type of refund as I still had time to use the warranty ( like XXXX miles left to use it ). The rep agreed, but stated I needed to complete a cancellation form ( which the dealer told me they would do and lied to me about a refund when they didn't get a quote to determine that ). Now that I've had to file a complaint and I was told misinformation, I'm looking for the full {$1600.00} back. Now I have to go through this whole cancellation process with XXXX XXXX XXXX that they were supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausXXXX, Equifax , and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under XXXX XXXX. XXXX ( a ). Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. Violations and Legal Basis : The following violations form the basis of this complaint : XXXX U.S.C. XXXX ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy XXXX XXXX. XXXX ( a ) Failure to conduct a reasonable reinvestigation XXXX XXXX. XXXX ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. XXXX. XXXX Account numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau XXXX XXXX supervisory or enforcement action and require XXXX Equifax , and XXXX to XXXX Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I was intentionally left out of the database for the lawsuit brought by the Consumer Financial Protection Bureau ( CFPB ) against the companies, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX The CFPB alleged the Navient companies illegally steered borrowers into forbearance, instead of income-driven repayment plans. The CFPB also alleged that XXXX XXXX XXXX XXXX XXXX gave wrong information to credit reporting companies about some XXXX student loans. I was serviced by XXXX during the required time and also had loans go into default & forbearance. Affected consumers are receiving a check because of a settlement in this lawsuit and the reason I was given is too many people would have brought down the value of the checks, so some people were left off intentionally, including me, which is unfair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I have been an Apple Card holder for approximately two years. During this time, I have consistently used the card and made payments as required. Despite this history, my credit limit has remained at {$250.00} since the account was opened. I have submitted multiple requests for a credit limit increase over the past two years, and every request has been denied. The denials do not provide actionable or specific guidance on what would need to change for approval. My usage pattern and payment history demonstrate responsible use of the card, yet I remain at the minimum credit limit with no path forward. A {$250.00} credit limit creates an inherently unfavorable cycle : normal use of the card results in high utilization, which then appears to be used as justification for denying increases. This effectively penalizes cardholders for using the product as intended. I am requesting that Goldman Sachs conduct a manual, individualized review of my account and provide a clear, specific explanation of what criteria I am not meeting, along with a realistic path to obtaining a credit limit increase after two years of active card membership

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: NC

Complaint narrative:
Account number XXXX I recently reviewed my credit report and noticed there was a 30 day delinquency payment reported for XX/XX/2025. I did not realize that that account became delinquent in XXXX. As a courtesy, I am requesting a goodwill adjustment for the late payment to be removed. I previously had another loan with your company which was paid off and had 100 % on TIME payments. Prior to the late payment in XX/XX/2025 I have had on-time payment history for this account. As a courtesy and as a loyal customer, I am requesting for the late payment delinquency to be deleted from the payment history. I spoke to E -Oscar customer service department and they confirmed that the creditor is allowed to make this adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank told me the account that is currently active on my online profile can not be accessed because they deemed it is inactive and need me to visit branch office to prove my identity. There is no fraud on my account and I am authenticated into my online portal with the account listed and balance.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My husband passed away on XX/XX/year>. Chime closed his account with our household 's total funds. I have fully complied with California Probate Code XXXX by providing a certified Death Certificate and a notarized Small Estate Affidavit. Chime has acknowledged receipt of these documents and confirmed a balance of {$25000.00}. Despite a promise from a Chime representative XXXX XXXX XXXX ) on XX/XX/XXXX to provide a tracking number for my refund check by Wednesday, XX/XX/XXXX, they have failed to do so. They are now claiming the documents were just 'forwarded for validation ' as a delay tactic. Chime was previously ordered by the CFPB ( Consent Order XXXX ) to stop illegally delaying consumer refunds. This ongoing delay is causing severe financial hardship, including the inability to pay rent and car payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc.
State: SC

Complaint narrative:
1ST CRD SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research 1ST CRD SRVCis 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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Cash Apps denial of my fraud claim twice. case number XXXX and case number XXXX involving {$2500.00} in cryptocurrency transactions reported on XX/XX/year>. On XX/XX/year>, I contacted what I believed was legitimate XXXX support regarding my disabled account. I was the victim of a social engineering scam in which an individual that acts like they are a legitimate company impersonated XXXX support. Soon as I clicked on the fake number that was displayed online as XXXX Support and called, they answered the phone saying Hello this is XXXX Support. How can I help you with your XXXX account with a fake voice display with other individuals in the background making it seem like its a company that can actually help so I believed it was real. I was instructed to download remote access applications ( XXXX and XXXX ), to recover my disabled XXXX account not knowing that this would lead to {$2500.00} getting taken out of my cash app balance. This allowed the scammer to gain access to my device and transfer XXXX through my Cash App account to an external wallet that I do not own or control and Cash app can trace this wallet address and transaction ID on their end and see that this does not belong to me and are refusing to. I did not understand that these actions would result in money being taken from me. I believed I was completing steps necessary to recover my account, not authorizing financial transactions or sending funds to another party. These transactions were not knowingly or legitimately authorized, but rather the result of impersonation, deception, and unauthorized access to my device. I reported the fraud to Cash App immediately on XX/XX/year> and later provided extensive evidence, including a police report, proof of impersonation, transaction records, confirmation from XXXX that the number was not legitimate, fraudulent contact information, and documentation of remote access. However, Cash App appears to have based its denial solely on internal transaction logs coming from my account without properly conducting a full investigation into the documented fraud, impersonation, and unauthorized access involved in this case. Cash App provided a transaction summary showing that XXXX was purchased and transferred from my account. However, this documentation only reflects the transaction activity and does not take into account the circumstances under which these transactions occurred. I am seeking assistance in recovering my funds of {$2500.00} and determining whether Cash App failed to properly investigate or handle my fraud claim. I am experiencing financial hardship and is currently unemployed as that were all the savings I had as a result of this unresolved fraud.

Company response to consumer: Closed with explanation