vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I received notification from my bank ( chase JP Morgan ) that my account was being closed and that I have to wait for a letter telling me why it is being closed. 
I came to my nearest local bank and asked to speak to someone about the issue and they said they were not able to help me regarding the issue. 
I have not done anything wrong or submitted any false checks. 
I have been paying my loans/credit cards etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a consumer currently reviewing my Equifax credit report and disputing several inaccurate and unverified items that are being reported. I am not disputing to avoid legitimate obligations ; I am disputing because the information appears inaccurate, incomplete, or not properly verified as required under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
In 2016, I filed for bankruptcy and that debt was discharged. The company did not dispute the bankruptcy. The original company sold my debt to TransWorld and they are trying to collect the same loan that was discharged. I've explained this to them and they said too bad. They call me constantly, leave voice mail messages. I called them back and again told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
am filing this statement to document the serious and ongoing issues I have had with Apple Card, issued by Goldman Sachs Bank USA, regarding fraudulent activity on my account and their refusal to provide proper account documentation or conduct a fair investigation. 

During a period when I was physically away and had no access to my phone, financial accounts, or ability to make purchases, my Apple Card was used to make multiple transactions that I did not authorize. These charges were clearly fraudulent. I immediately notified Apple Card and Goldman Sachs as soon as I became aware of the activity. I fully cooperated with their investigation and provided detailed information, timelines, and proof showing that I could not have made these transactions. 

Despite this, Goldman Sachs and Apple Card failed to provide me with basic documentation of the account, including copies of transaction records, IP logs, device information, merchant verification, or any proof showing that I authorized or benefited from the charges. I repeatedly requested evidence that the transactions were valid, but none was provided. Instead, I was simply told that their investigation concluded the charges were mine, without any explanation, documentation, or transparency. 

Even more troubling, Goldman Sachs continued to hold me financially responsible for the fraudulent balance. They have demanded payment on charges that were not mine and have reported this alleged debt to the credit bureaus, damaging my credit and financial standing. This was done even though the charges were in dispute and no proof of liability was ever provided to me. 

Under federal law, including the Fair Credit Billing Act and the Fair Credit Reporting Act, consumers are entitled to a reasonable investigation, documentation of disputed charges, and protection from being held liable for fraud. Apple Card and Goldman Sachs failed to meet these obligations. Their refusal to provide account records and proof of authorization deprived me of my right to challenge the debt in a meaningful way. 

By reporting this account as delinquent while it was actively disputed and without providing supporting evidence, Goldman Sachs and Apple Card engaged in unfair and potentially unlawful credit reporting. Their actions have caused me financial harm, emotional distress, and damage to my credit reputation. 

I am requesting that this matter be fully investigated by the appropriate regulatory and consumer protection agencies and that Apple Card and Goldman Sachs be required to provide complete account records, reverse the fraudulent charges, correct my credit reports, and cease all collection efforts related to this disputed balance. 

This statement is true and accurate to the best of my knowledge and is being submitted to protect my legal rights and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer credit reports and identified an account being reported that does not belong to me and is the result of identity theft and/or erroneous furnishing. This account was formally disputed, and an Identity Theft Report was provided as required under the Fair Credit Reporting Act ( FCRA ). Despite clear notice, supporting documentation, and the passage of the statutory reinvestigation period, the account continues to be reported.

Under 15 U.S.C. 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation and complete it within 30 days. That deadline has been exceeded. Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy. Reporting an account that can not be lawfully verifiedespecially after an identity theft claimconstitutes a direct violation of these obligations. 

At no point was I provided with competent verification demonstrating that this account was accurate, mine, or lawfully reportable. Instead, the account has been allowed to persist through inaction and procedural failure. Continued reporting under these circumstances is not a clerical oversightit is reckless disregard for federal law and consumer rights.

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a credit card with best buy which was citi bank for some new appliance I needed for my new home. When I made the purchase they never told me about any yearly renewal. I made a XXXX purchase paid in full when around XX/XX/year>. Second purchase was paid in full about XXXX. XXXX was the renewal of XXXX XXXX yearly renewal which I wasn't aware of or had my consent to for this membership. They gave me the entire refund I told them to report the issue to the credit agencies they didnt and it dropped my credit score XXXX points and the credit limit on that card went from XXXX plus credit limit to XXXX $ credit limit. NOW they are trying to do it again with another renewal some total care package which again I had to knowledge of nor did I consent to it. They haven't done a full refund yet nor have they even attempted to reach out to the credit agencies to restore my credit. I've never missed a payment in my life. And they are trying to defraud me again. Please help

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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I am on the OPT out list to not receive mailing for credit card offers, etc. I have previously contacted Bank Of America telling them I am on this list, I do not want their credit card offers in my mail, yet they continue to send them. Despite telling me they will address the issue. It has been months, so mailings are not ones that were sent before they could address issue. I do not have any card with their company, nor have I ever asked for one, or any information to get one. I spent almost a half hour on their phone system just trying to get through to talk to someone. Their fraud department which I tried one of the attempts put me on hold for XXXX minutes, when I finally hung up. I can't even imagine how bad it would be if I wanted to report fraud with a card. They need to follow the OPT out requirements & stop sending me various credit card offers. The last one was for their XXXXXXXX XXXX XXXX XXXX  came in mail XXXX days ago. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
The first part of XX/XX/year> I submitted for a credit line increase on my bread financial XXXX and they said I would get a letter in 10 days I never received a letter and when I called him, they told me that it was because my phone number was not on my credit report, but I submitted screenshots to their message app showing that it was on each and every credit report. To date they still have not provided a reason for denial. When I called in today, I was hung up on twice and when I finally got to a supervisor, I was on the phone for over XXXX minutes. He told me the reason for denial was because I had previously had a credit limit increase, but I found out during the call which I have recorded he said that letter was from XXXX not XXXX. He was also going through all my messages in the app, and he deleted every single message. ( I have them screenshotted ). He kept contradicting himself, and I still have yet to receive a denial letter. By law, its my right to know why I was denied if I was denied. Ive never had an issue with synchrony bank doing this or anything. If XXXX  XXXX  cant approve my credit limit increase immediately they send a letter asking me to call in and verify myself. Ive also sent in numerous pictures showing their website is not working, and their app is having issues!!! Which I will include in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Round Up Ventures, L.P.
State: HI

Complaint narrative:
I revoked authorization on XX/XX/XXXX for Lendly and they replied that they removed my account from automatic debit, but on XX/XX/XXXX they still debited my account without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: IN

Complaint narrative:
ZIONSDEBTHOL is falsely reporting on my credit. I have never had any accounts with them. Per my research ZIONSDEBTHOL 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 public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I am submitting this request as a new CFPB case, as my prior complaint ( XXXX XXXX. XXXX ) has been closed. 

According to the companys response, the referenced account was closed and returned to the original creditor, and Wakefield & Associates , LLC has confirmed that it no longer owns or services the account. Since the account is no longer being collected and has been returned, there is no permissible purpose for the tradeline to continue reporting on my consumer credit reports. 

Accordingly, I am requesting that Wakefield & Associates , LLC direct all credit reporting agencies to delete the tradeline associated with this account, as the company no longer has an interest in the debt and has ceased collection activity. 

Please provide written confirmation that deletion requests have been submitted to XXXX XXXX XXXX XXXX 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: IN

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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received and email on XX/XX/year> that I had a hard-inquiry to open a Credit Card Account file at XXXX 

I called Synchrony Bank and they forwarded me to XXXX and XXXX told me that they submitted a fraud report to TransUnion. Said it might take up to 60 days to have the New Inquiry report removed. 

I received this email on XX/XX/year> : " XXXX XXXX, You have a new credit alert A change has been identified on your TransUnion credit report. Its important to review updates and take any necessary actions. 

See alert details ''

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 2026-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have already filed this complaint, but it was closed when the credit card company came back, saying that there are no bonuses with the XXXX XXXX credit card that I have, I have never signed up for a XXXX XXXX credit card or do I have a XXXX XXXX credit card .. this is about the XXXX  XXXX credit card that when I signed up for it approved me for the {$500.00} spin bonus. If because I had a good enough credit. It wouldnt let me dispute the last case so XXXX making a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am disputing an inaccurate collection account being reported on my credit by XXXX related to XXXX XXXX XXXX XXXX in the amount of approximately {$190.00}. 

My service agreement with XXXX XXXX XXXX XXXX was a XXXX contract that began in XX/XX/XXXX and ended in XX/XX/XXXX. Any alleged service billed in XX/XX/XXXX occurred after the contract expired and was not requested, authorized, or agreed to by me. I have uploaded a text notification showing this account was last billed and settled in XX/XX/XXXX. No further services were rendered after completion of contract. The invoice that was sent in XXXX shows a false date and transaction. 

I notified XXXX XXXX XXXX XXXX via text that I no longer lived at the service address and requested that services stop. No further services were authorized after XX/XX/XXXX. 

The contract language being cited by the collector regarding cancellation fees applies only to cancellations during the initial XXXX period and does not apply here. My contract was not canceled early ; it simply expired. 

This account has already been reviewed by a prior collection agency, XXXX XXXX XXXX, which determined that I was not responsible for the debt and discontinued collection efforts. 

Despite this, XXXX  is continuing to report this invalid debt on my credit reports with XXXX and XXXX. I have disputed this account multiple times over the past XXXX years and provided documentation, yet the inaccurate information remains. 

I believe this constitutes the reporting of inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and improper collection activity under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting immediate deletion of this collection account from all credit bureaus and written confirmation that the account has been closed with no balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an escrow account disbursement that occurred after my mortgage was paid in full, which I believe was unauthorized. 

My mortgage loan was paid in full and closed on XX/XX/year>, and I received written confirmation from the lender that the loan was satisfied on that date. Once the loan was paid off, the escrow account should have been closed and no longer capable of debits. 

However, I subsequently received a final escrow statement from the lender showing a property tax disbursement dated XX/XX/year>. This disbursement occurred after the loan payoff date, at a time when the lender no longer had legal authority to withdraw funds from escrow. 

At the closing of the property sale, the title company withheld and paid the full amount of property taxes, resulting in a duplicate funding of the same tax obligation. The lender has stated that the escrow payment was part of an internal bulk payment process initiated prior to payoff, but this does not explain or justify why escrow funds were debited after the loan was satisfied. 

My concern is not when the taxing authority received payment, but that : The escrow account was debited after payoff The payoff statement did not clearly disclose or reconcile this pending disbursement The escrow account should have been closed and frozen as of XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. I received a bill from XXXX XXXX acct # XXXX in XXXX. I contacted XXXX XXXX dept and submitted a XXXX Police report and contact info as to whom created the acct in my name. XXXX XXXX case filed again today XXXX XXXX online case XXXX over the phone as well XXXX case # XXXX both cases opened today XX/XX/XXXX. I also contacted XXXX XXXX collection co acct. ID XXXX contact XXXX to correct the problem. They referred me back to XXXX who reopened the case again on XXXX XXXX wrote a complaint with supporting docs on XXXX XXXX to no avail. Please assist me in closing down this acct and correcting my credit history with all three credit bureaus especially XXXX XXXX XXXX XXXX XXXX  Please send me a letter or email stating my request has been honored. Thank in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I used my Care Credit card for a XXXX XXXX XXXX that was done by XXXX XXXX XXXX. I was charged over {$3700.00}. I had so many problems and issues with the office in regards to my treatment. I was not able to eat for days because the XXXX  kept coming out. Once he put the new XXXX XXXX in... it was never placed in correctly. I was not able to bite down on foods because I was afraid that my teeth were going to fall out. The XXXX XXXX XXXX was on my XXXX XXXX. 

I then went to another dentist because I went in to see him for something else and he was more concerned about how poorly my XXXX  was put it. There was a gap between the XXXX XXXX and my XXXX. The new dentist had to re do the XXXX  that had only been in less than 6 months. 
I explained to care credit that a XXXX  should at least last 5 years and this XXXX  was so poorly done and put in place, that it had to be re done. I want my money back.

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 monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX {$140.00} XXXX XXXX  {$120.00} I am not aware of these accounts.

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