vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: GA

Complaint narrative:
I am filing a complaint regarding a {$5200.00} buy-now-pay-later loan issued through Klarna for an XXXX mentorship program that was never delivered. I entered into a contract with a merchant for mentorship and coaching services related to XXXX business development. The agreement outlined a structured mentorship program. However, the merchant failed to provide access to the program and did not deliver the contracted services. After repeated attempts to contact the merchant, I was only sent a link to a single onboarding video. I was never provided login credentials, access to the mentorship platform, coaching sessions, program materials, or any of the core components of the mentorship program. I disputed this transaction with Klarna XXXX separate times, clearly stating that the service was not delivered and providing supporting evidence. Despite this, Klarna denied my disputes and continues to require payment on the loan. This is not a case of dissatisfaction with services. This is a non-delivery of service dispute. Providing a single onboarding video does not constitute fulfillment of a {$5200.00} mentorship program and does not meet the standard of material delivery under the contract. The merchants failure to provide the contracted mentorship services represents a failure of consideration in the underlying transaction. Therefore, requiring repayment of a loan tied to a non-delivered service is improper. I am requesting the following : 1. A formal investigation into the merchants failure to deliver the contracted mentorship program 2. Cancellation of the loan associated with this non-delivered service 3. Refund for any payments already made toward this loan 4. Written documentation of Klarnas investigation findings and decision-making process I am concerned about the financial and credit impact of being required to pay for services I did not receive. I am seeking regulatory assistance to ensure a fair and lawful resolution. I can provide supporting documentation, including the signed contract, communication with the merchant, and records of my disputes with Klarna upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. After reviewing my credit reports, I noticed several accounts that I am not familiar with. I requested validation of these debts from the credit reporting agencies ; however, the information has not been provided. Because my information was compromised, I submitted a complaint to the FTC reporting the accounts I do not recognize. Attached you will find a copy of my ID, the FTC complaint, documentation from the XXXX showing that my information was exposed in the national data breach, and my validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
I bank with US Bank for the last XXXX years, then XXXX day my debit card stopped working with no warning so I called the XXXX number to find out why and they said they are closing my account no reason and check is in the mail therefore I couldnt pay my bills, nor eat or anything because they are holding my money 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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: MN

Complaint narrative:
I am a victim of identity theft. Someone stole and used my personal information and identity to open up an account with Klarna. The identity thief made {$230.00} in fraudulent transactions with the fraudulent Klarna account. I have never applied for or had a Klarna account. The Klarna account is fraudulent, not my account and is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Sparrow Financial, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. Sparrow Financial opened and sent a credit card to an identity thief who made fraudulent transactions of {$250.00} on the fraudulent credit card account. I never applied for a credit card account with Sparrow Financial. The Sparrow Financial credit card account is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
I have been receiving constant phone calls of harassment, abusive and profane language and threats of being sent to jail and prison from Credit Collection Services representatives regarding a debt collection account for {$310.00}. The debt collection account is a fraudulent account, not my account and is the result of identity theft. Credit Collection Services is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law XXXX XXXX XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FISERV FINXACT CORE
State: FL

Complaint narrative:
I intended to purchase only XXXX. XXXX XXXX of XXXX sold me on that product and represented that the documents he later presented were all necessary for the XXXX setup. He also promised that he would buy out my prior agreement after installation. He later admitted that he could not do so. Because the promised buyout did not occur, I had no choice but to cancel XXXX. After reviewing the situation, XXXX cooperated in canceling my account without penalty. I later discovered charges that were not related to XXXX, including a charge of {$390.00} on XX/XX/XXXX, followed by ongoing monthly charges of {$320.00} from XX/XX/XXXX to the present. When I reviewed the documents again, I found agreements involving XXXX, XXXX, and Fiserv/XXXX that had been presented to me as necessary for XXXX setup, even though they were not. I have been trying to resolve this matter since XX/XX/XXXX. I submitted supporting documentation multiple times, explaining that the Fiserv agreement had been obtained through misrepresentation. Despite this, Fiserv continued to rely on the signed documents and the claimed absence of any internal record of the salespersons conduct, without meaningfully addressing the supporting documentation I was asked to submit. On XX/XX/XXXX, I was instructed to submit the matter directly to the Dispute Management Team at XXXX and was told that a representative would respond within XXXX business hours. I followed that instruction, but the stated response timeframe has now passed, and I have received no acknowledgment or substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: CA

Complaint narrative:
On XX/XX/year> and through Capital One Offers, I was offered {$25.00} back when spending {$25.00} or more at XXXX. I completed a qualifying purchase through XXXX. When reviewing my Capital One offers under " Shopping Trips '', I noticed that the order number and purchase amount listed by Capital One were incorrect. They did not match my actual order. I contacted XXXX directly on XX/XX/year> and they confirmed : ( XXXX ) the order number Capital One has on file does not exist within XXXX 's system, and ( XXXX ) the accurate order number has no Capital One offer attached to it. XXXX further confirmed they could not fulfill the offer, unless they receive the correct order number and charge amount. I was advised to contact Capital One about sending over the information. I then contacted Capital One with this and provided the information I had received from XXXX. I also offered to provide supporting documentation. I requested the information on my account be corrected and the correct information be sent to XXXX, which would allow the offer to be paid out. Over the course of the call, I was transferred to approximately five or six different representatives. I ultimately spoke with a supervisor who told me I would need to simply wait, as it was still showing " pending '' in their system. When I asked to escalate further, the manager stated her supervisor was admin only and unavailable for customer escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was XXXX XXXX XXXX days in XXXX for something over a year ago and I'm almost in my XXXX XXXX When I got home I got their bill and called in a made a payment on XX/XX/XXXX, for XXXX dollars and asked for the full itemized statement which said I owed XXXX and I thought I only owed XXXX remaining on it. So I wanted a statement that showed all my payments since the time of purchase in XXXX. Today they sent a man to my door with civilian clothes no name tag and no paper work violently banging on my door demanding I hand over my home my camper and I'm XXXX XXXX XXXX And I checked the mail yesterday hadn't received any article of mail from the bank and was just about to phone the bank to see where the document was. The payment was for XX/XX/XXXX and it had not even been the end of the month. I did have a scheduled payment for XX/XX/XXXX for the remaining 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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
I have been a Cash App customer for several years. They suddenly closed my account after I disputed several transactions. They said I was in violation of their terms and conditions. After reading their terms and conditions I could not find a single term I had violated. Cash App refused my appeal stating that I had to withdraw all my money. After trying to do this the app was not returning the correct information for verification making withdrawal impossible. I asked Cash App to send me a cheque and they refused to do this saying that it was up to me to transfer the funds even though I had explained that due to a technical hitch this was not possible. I then logged out of the app and could not log back in. Cash app is not holding {$700.00} of my money and I have no way to withdraw it. I need them to send me a cheque or reinstate my card and account so I can transfer the money out as they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Company. First of all I would like to being by saying that I have alert system on my account so anything higher than {$20.00} dollars I get a notification. I received no notification on transactions happening, now two charges where made two my account and according to Wells Fargo it was through digital wallet in XXXX XXXX, OH and I am from TX. They told me they were not going to cover the credit because it was made through a digital wallet, I explained that they could have easily hacked the numbers in XXXX of the places I used the card and added to digital wallet, they said they could not do anything for me and that the claim was close and all I could do was submit a complaint. I have been a customer since XXXX and not once have I made a complaint to them but they do find any reason to stay with the people 's money.

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 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a XXXX XXXX credit card through Bank of America based on a promotion offering XXXX points, free checked baggage, and no annual fee. These promotional terms were not fully honored. I received only XXXX points, was charged a {$79.00} annual fee, and paid for checked baggage. I filed a dispute in XX/XX/year> for approximately {$150.00} in charges. I was informed that a temporary {$150.00} credit would be applied during the investigation, but this credit never appeared on my account or statements. Later, I received a {$550.00} reimbursement check from XXXX XXXX related to a flight cancellation {$400.00} and {$150.00} associated charges. Bank of America later stated I had been credited twice and charged my account {$150.00}. However, no temporary credit was ever applied by Bank of America. After adjustments, I was told I still owe {$71.00}, which I do not believe is correct. This remaining balance is the result of an accounting error and incorrect handling of the dispute. I am requesting : Confirmation of whether any temporary credit was actually applied A full review of my dispute and account records Correction of my account balance to {$0.00} Review of the original promotional terms and fees

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 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
INCORRECT AMOUNT ERROR UNDER 12 CFR 1005.11 ( a ) ( 1 ) ( XXXX ) XXXX CASE # XXXX VIOLATION OF TIMELY INVESTIGATION : I NOTIFIED THE BANK WHILE THE TRANSACTION WAS PENDING AND THEIR REFUSAL TO INVESTIGATE PROMPTLY VIOLATES REGULATION XXXX REQUIREMENTS. THE BANK SEIZED THE FUNDS VIA A " RIGHT OF OFFSET '' DESPITE BEING NOTIFIED THAT THE XXXX DEPOSIT AMOUNT WAS A TECHNICAL ERROR. THEIR REFUSAL HAS LEFT ME WITH {$0.00} FOR FOOD DESPITE MEDICAL DIETARY NEEDS AND IS PREVENTING ME FROM ATTENDING A JOB INTERVIEW, CREATING A PERMANENT NEGATIVE FINANCIAL IMPACT. I HAVE ATTEMPTED TO ACT IN GOOD FAITH BY REQUESTING A FORMAL PAYMENT ARRANGEMENT ON THIS BALANCE IN XX/XX/year> WHICH NAVY FEDERAL DENIED. THEIR REFUSAL TO WORK WITH ME THEN, COMBINED WITH THEIR CURRENT REFUSAL TO REVERSE A DOCUMENTED TECHNICAL ERROR ( REGULATION XXXX ), DEMONSTRATES A PATTERN OF UNFAIR AND PREDATORY PRACTICES THAT HAVE NOWLEFT ME COMPLETELY DESTITUTE AND UNABLE TO MEET BASIC SURVIVAL NEEDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: TX

Complaint narrative:
my information was leaked or bought offline on the XXXX and several accounts were opened by way of fraud this has caused serious embarrassment and undue hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, GA XXXX XX/XX/2026 COLUMBIA DEBT RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act, I hereby request that you cease and desist all communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, text messages, emails, and letters. You may only contact me to confirm that you will comply with this request or to notify me of any specific legal action being taken. Any further attempt to contact me beyond these exceptions will be documented and may be reported to the appropriate authorities, including the Consumer Financial Protection Bureau and the Federal Trade Commission. This notice is not an acknowledgment of the debt, nor is it a refusal to pay, but a request for you to cease communication as provided by law. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against XXXX regarding my inability to recover a credit balance of {$600.00} owed to me. Since XX/XX/year>, I have been trying to retrieve a credit amount that was issued to my account after a purchase refund. However, I have been unable to access these funds. I had to close the bank account previously linked to my XXXX account. When I attempted to add a new bank account under my name, XXXX denied it for security reasons. Since then, XXXX has informed me multiple times that a check would be issued and sent to my mailing address. However, I have requested this check more than XXXX times, and it has never arrived. I also attempted to reopen my closed credit card account in order to use the available balance, but I was informed that this would require a new credit evaluation and the issuance of a new card, which has not been a viable solution. As a result, I have been unable to access money that rightfully belongs to me for several months. This situation has caused significant financial inconvenience and frustration, and I am left without any effective resolution despite repeated attempts to resolve the issue directly with XXXX. I am requesting that XXXX provide a reliable and immediate method for me to receive my funds, whether through a secure electronic transfer or a properly delivered check with tracking. I would like this matter to be investigated and resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reported fraud with some gaming transactions with the bank. They denied the claim I called back to speak with the supervisor upon speaking with the supervisor she was saying that I myself had to reach out directly to the merchant and then submit the correspondence to her in order for the claim to be reevaluated. I spoke with an alternate representative he said that the claim was being reevaluated and I think I still haven't got a positive response they charges were fraudulent I submitted a police report as well. I as well was previously a victim of identity theft and have filed with the IRS I feel I have taken the necessary steps and my claim is valid I would like for my funds to be reimbursed. Also alternate funds that were taken for my account from the same company they returned them but didn't return the other ones

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX " Official Platinum '' tickets ( Order # XXXX ) to Illenium Presents Odyssey at the Sphere in XXXX XXXX, NV XXXX XXXX date XX/XX/XXXX ) through Ticketmaster for a total of {$2100.00}, charged to my Chase Freedom card ending XXXX XXXX. When I subsequently attempted to resell my tickets on the XXXX platform, I was prevented from listing them below a mandatory minimum floor price of approximately {$500.00} per ticket a restriction imposed unilaterally by XXXX. XXXX then released additional tickets in the row directly in front of mine at prices in the {$200.00} range less than half their own imposed minimum. Because I could not competitively list on XXXX 's platform while they simultaneously sold cheaper competing inventory, I was forced to sell through XXXX, recovering only {$470.00} after fees a net loss of {$1700.00}. I filed a chargeback with Chase ( Claim ID : XXXX ). Chase denied my dispute on XX/XX/XXXX, stating the merchant provided a cancellation policy and had no record of cancellation within policy guidelines. This denial reflects a fundamental mischaracterization of my dispute. This was never a cancellation dispute I received the tickets. My dispute was based on XXXX 's deceptive resale practices : imposing an artificial price floor on my resale while simultaneously releasing competing inventory at a lower price, rendering my tickets unsellable on their platform. Chase applied an inapplicable cancellation policy framework instead of properly investigating a deceptive trade practices claim. The NC Attorney General ( complaint filed XX/XX/XXXX ) and the FTC ( Report # XXXX ) have both received complaints about this same XXXX conduct. The NC XXXX recently won a jury verdict against XXXX XXXX on all counts for exactly these types of deceptive practices. I am requesting that Chase reopen and properly investigate this dispute under the correct framework deceptive and unfair merchant practices rather than the cancellation policy framework incorrectly applied in their initial investigation. I am seeking reimbursement of my net loss of {$1700.00}.

Company response to consumer: Closed with explanation