vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I am writing to file a formal complaint against American Express for failing to honor a disputed charge of {$1000.00} related to a hotel reservation I made in good faith and attempted to cancel in a timely manner due to a documented family medical emergency. Background In early XXXX I booked a XXXX-night stay ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX through XXXX ( Booking ID : XXXX ), charged to my American Express card ending in XXXX. Shortly before my scheduled arrival, my grandmother was placed in XXXX XXXX making travel to XXXX impossible. My Cancellation Attempts Upon learning I could not travel, I immediately contacted the property using the contact information provided directly within my XXXX booking confirmation email. That confirmation explicitly listed XXXX as the designated contact address for all reservation inquiries. I emailed this address on XX/XX/year> XXXX days before my scheduled check-in clearly stating my situation and requesting cancellation. Receiving no response, I followed up again on XX/XX/year>. I never received any acknowledgment, response, or denial from the property. Despite this, the hotel subsequently classified my reservation as a " No-Show '' and retained the full {$1000.00} charge. Key Facts Supporting My Dispute I contacted the property XXXX days before check-in using the contact information provided in the official booking confirmation well within a reasonable cancellation window I have timestamped email records of both cancellation attempts ( XX/XX/XXXX and XX/XX/year> ) The property never responded to either communication, depriving me of any opportunity to pursue alternative cancellation methods The property can not claim I failed to notify them when they failed to maintain or monitor the contact channel they provided in their own booking documentation The cancellation was necessitated by a documented family medical emergency ( grandmother placed in XXXX ) American Express has declined to uphold my dispute despite the submission of this supporting documentation Relief Requested I respectfully request that the CFPB investigate American Express 's refusal to honor this dispute and facilitate a full refund of {$1000.00} to my account. A merchant can not designate an unmonitored contact channel in official booking communications, ignore a guest 's good-faith cancellation attempts, and then hold that guest financially liable for a no-show. I have attached the following supporting documents : XXXX booking confirmation email showing XXXX as the designated property contact Screenshot of my XX/XX/year> cancellation email to the property Screenshot of my XX/XX/year> follow-up cancellation email to the property I am happy to provide any additional documentation upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I previously held a joint account which I believed was closed. After requesting a replacement debit card, I was issued a card linked to that joint account instead of my personal account. On XX/XX/26, I made a cash deposit intending to deposit into my personal account. Due to incorrect account linkage and/or bank error, the deposit was applied to the joint account. The funds were then withdrawn by the former joint account holder without my authorization. I contacted the bank and a case was opened but closed with the determination that the deposit was made to the correct account. I dispute this, as I did not intend to use the joint account and was unaware it was still active or linked to my profile. This situation appears to be the result of internal account misassociation and improper debit card issuance, leading to financial loss.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$510.00} for parking at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX operated by XXXX XXXX XXXX. The publicly posted maximum parking rate at this facility is {$10.00}, and the flat rate after XXXX is {$8.00}. I have provided photographic evidence of the posted pricing. The payment terminal was facing the attendant, not me, and I was not shown the transaction amount before tapping Apple Pay. I was not provided a receipt. The amount charged ( {$510.00} ) exceeds the publicly posted maximum rate by more than XXXX times and can not be mathematically calculated under the merchants pricing structure. I disputed this transaction multiple times as an incorrect amount charged under the Fair Credit Billing Act. I also provided supporting documentation, including the posted pricing and a written summary. Goldman Sachs Bank USA denied my dispute, stating there is no evidence to substantiate the claim, yet did not provide any merchant documentation, itemized calculation, or explanation demonstrating how {$510.00} complies with the merchants posted maximum rate of {$10.00}. The investigation appears to rely solely on transaction authorization, without addressing whether the charged amount is valid under the merchants pricing structure. Authorization of a transaction does not validate an amount that exceeds publicly posted pricing, particularly where the amount was not disclosed to the cardholder prior to authorization. I am requesting : Permanent removal of the {$510.00} charge Production of any merchant-submitted documentation or calculation supporting the charged amount Confirmation that the investigation complied with Fair Credit Billing Act requirements for billing errors involving incorrect amounts This is a billing error involving an incorrect amount charged, not a service dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I repeatedly make legitimate high-value payments and my account keeps getting frozen for fraud verification. Customer service keeps telling me the system can't change it, but this is disrupting normal account use. Every time make a payment, they immediately release the credit back onto the card, only for it to disappear by the next business day. Then that payment is placed on a XXXX day hold on suspicion of fraud. I have to call in, speak with a XXXX, do a XXXX way call with my bank so that they can tell them that it had already cleared, and then they release the hold. They will not escalate this to be taken care of. Examples 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: MO

Complaint narrative:
On XX/XX/2026, I borrowed approximately {$17000.00} from Reprise Financial at an interest rate of about XXXX % after negotiating the terms. I paid origination and related fees on this loan. Shortly after, I received an email stating that I had additional funds available from my existing loan ( approximately {$4400.00} ) and asking if I would like to access those funds. Based on this communication, I believed I was accessing additional funds from my current loan. Instead, on XX/XX/2026, less than XXXX days later, the company paid off my original loan and created a new loan for approximately {$21000.00} at about XXXX % APR with a monthly payment of {$700.00} for XXXX months. This refinance and the significant increase in interest rate and payment were not clearly explained to me. I had already paid origination fees on the original loan and was not made aware that I would be entering into a completely new loan at a much higher interest rate. As a result of this refinance, I will pay approximately {$42000.00} on a {$21000.00} loan. I contacted the company twice by phone and was told someone would follow up, but I did not receive a response. I also submitted a written complaint by email and attempted to send a certified letter, which has been delayed in transit. I am requesting a formal review of this loan and an adjustment to terms closer to my original loan. I am also concerned that this refinance may constitute loan flipping, as it occurred within XXXX days of the original loan and resulted in a significantly higher interest rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
Someone that had a phone number had sent money from my account that got on there from my taxes to a unknown number and now I cant get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXXXX/XX/XXXX I went to a XXXX XXXX ATM where I tried to withdraw {$1000.00}. It would not allow me to. I tried withdrawing XXXX was not able to. I then tried to withdraw XXXX remembering that USAA has limits on their accounts and it would not allow me to change the amount of the account withdrawal. I received an error code as well. I thought it was the ATM that I was trying to use at XXXX XXXX bank so I went about my day after stopping for ice cream with my son at XXXX. Try to use the card again for {$11.00} and some change and was declined. I contacted the financial institution who proceeded to tell me that the account had been frozen for XXXX hours due to an investigation of fraud. I informed the representative that there was no fraudulent activity on my account That there were no charges that have been made by anyone else other than myself and asked if the freeze could be lifted, she informed me that it could not be until the XXXX hours had passed if I did not suspect fraud on my account if I notified the financial institution at all charges that were made were my charges it does not make sense that my account is still frozen and I do not have access to my funds when I have had a relationship with this financial institution for XXXX years. I also have homeowners insurance that Im inquiring about through the same financial institution as as well as auto insurance and property insurance. I have sent emailed the XXXX of the financial institution while awaiting a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I have an email that says that a new login on a different device in Illinois which I live in Missouri this person proceeded to change my PIN number change the phone number they linked their email address to my account and unlinked mine and then I received XXXX notifications stating there was payments made plus I still have money on the card that was mine and I can't even get it off the card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I am submitting a follow-up complaint regarding a {$3000.00} wire transfer that I previously reported as fraudulent. This matter remains unresolved despite my prior complaint. I have made it clear that I was induced into sending this wire under deceptive circumstances. SoFi has failed to conduct a reasonable investigation or provide meaningful documentation explaining their determination. Specifically, I am requesting : A detailed explanation of the investigative steps taken Any evidence relied upon in denying my claim Confirmation of whether a recall or recovery attempt was initiated on the wire Under federal consumer protection expectations, I am entitled to a reasonable investigation and transparent communication. Simply closing the complaint without addressing these points is not sufficient. If this matter is not properly addressed, I will continue escalating through the CFPB and other appropriate regulatory channels, including the Office of the Comptroller of the Currency ( OCC ). I am requesting a formal review and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX Subject : URGENT Cross-Border Fraud Involving XXXX XXXX Bank Account ( Immediate Action Required ) XXXX XXXX Dear Sir/Madam, I urgently report a cross-border fraud involving approximately USD {$360000.00} routed CHASE BANK through XXXX XXXX bank accounts ( including XXXX ) XXXX The funds were transferred as part of a fraudulent scheme ( XXXX XXXX XXXX ), and no goods were delivered. Communication has ceased. This case involves multiple victims and appears to be an organized fraud operation. I urgently request immediate action to trace and freeze any remaining funds. Supporting evidence is available upon request. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I am filing this complaint against Resurgent Capital Services, LP regarding their failure to properly validate an alleged debt in accordance with federal law. On XX/XX/year>, I submitted a written debt validation request concerning the account they claim I owe. In response, the company failed to provide proper validation of the debt. Instead, they merely sent a billing statement, which does not meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ). To date, Resurgent Capital Services has not provided : A copy of the original signed contract or agreement bearing my signature Documentation proving I have a legal obligation to pay this debt A complete chain of title showing their legal authority to collect ( assignment from the original creditor ) Itemized accounting showing how the balance of {$770.00} was calculated Providing a simple statement or summary is not sufficient validation of a debt. As such, the debt remains unverified and disputed. Additionally, despite failing to properly validate the debt, this account is being reported on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), as only accurate and verifiable information may be reported. Because Resurgent Capital Services has failed to meet their legal obligation to validate this debt, I am requesting the following : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed Cessation of all collection activity related to this account If the company can not provide proper validation as required by law, they must remove this account from my credit file. I expect this matter to be investigated and resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I have XXXX disputes : XXXX with LVNV Funding for the amount of {$790.00}, and another with XXXX XXXX XXXX for {$1000.00}. These accounts are not mine ; I own my own home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I transferred funds from my XXXX account to my XXXX checking account XXXX XXXX XXXX in the amount of {$4900.00} and XXXX in the amount of {$1000.00} ) in XX/XX/year>. Because at the time my XXXX is using my XXXX name XXXX XXXX and XXXX had my XXXX name XXXX XXXX, XXXX decided to flag the transactions for fraud, closed my account, and refuses to send me back the money. XXXX claims the only way I can get the funds back is having XXXX file a " hold harmless claim '' on behalf on me. I've called XXXX customer service many times and they refuse to help me with XXXX. The only thing they did was file an internal dispute and temporarily gave me back the money but now wants it back and my account is frozen until I send them money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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 am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I purchased XXXX prepaid visa gift cards on XX/XX/XXXX. I placed an online order and immediately cancelled the order, never picked it up and the funds was withdrawn from the prepaid card in error as the merchant confirmed that payment should never have been processed until the merchandise was picked up. I immediately filed a refund request for the amount owed on XX/XX/XXXX and provided all necessary documentation confirming the transaction was cancelled & went through the merchant as well to attempt to get a refund. Both cases : XXXX and XXXX were finally marked as RESOLVED by Blackhawk w/ XXXX resolved w/ Blackhawk stating a check was issued and to allow XXXX business days to receive via priority mail. The check was not received boy XX/XX/XXXX which is XXXX business days and when I opened yet another dispute, I received a response today, now XXXX business days stating " your check was issued on XXXX. please allow XXXX business days which does not include weekends. '' IT HAS BEEN XXXX BUSINESS DAYS. XXXX XXXX stated a refund was issued to the card. The card in which the COMPANY DEACTIVATED on XX/XX/XXXX and I no longer have. I disputed that as well on XX/XX/XXXX and have not received any response. I am demanding a digital card be issued for the full amount of both dispute cases of {$190.00} within XXXX calendar XXXX. I have been dealing with this for over XXXX months and the customer service is abysmal. This company is nothing but fraudulent.

Company response to consumer: Closed with explanation