vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint against Affirm, Inc. regarding an unjustified and ongoing account suspension, repeated failure to resolve the issue, and resulting financial harm due to the firms negligence. 

Beginning approximately XX/XX/XXXX, my Affirm account was suspended without explanation while I was attempting to complete a purchase through a merchant ( XXXX ). At the time, I had sufficient approved purchasing power and no delinquency, fraud notice, or adverse account activity that would justify such a restriction. 

Since XX/XX/XXXX, I have contacted Affirm customer support numerous times in an attempt to resolve this issue. Each call involves excessive hold times, repeated transfers between departments, and inconsistent or uninformed responses. Representatives routinely pass me from one department to another, with no clear ownership of the issue and no meaningful understanding of the account status. I am repeatedly told the account will be unsuspended shortly, yet no corrective action has been taken. 

As of today, XX/XX/XXXX, my account remains suspended. I am still unable to complete the purchase solely due to Affirms failure to act. This prolonged inaction constitutes negligence and a failure to reasonably administer a consumer financial product.

As a direct result of Affirms delay and mishandling : - The price of the couch I intended to purchase has increased by approximately {$700.00} ; - I lost the ability to complete the purchase at the original price despite having approved purchasing power at the time ; - I have spent many hours attempting to resolve this issue, experiencing significant stress, inconvenience, and unnecessary administrative burden.

Affirm has failed to provide transparency, a written explanation for the suspension, or timely resolution. The firms conduct reflects an unreasonable restriction on consumer access to approved credit and a breakdown in customer support and internal controls.

I respectfully request that the CFPB investigate this matter, require Affirm to provide a written explanation for the account suspension, and address the financial harm caused by their continued failure to resolve this issue.

I am prepared to provide call logs, screenshots, and documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
Debt was dispute with XXXX, and later the debt was transferred to collection agency. This debt was dispute due to fraudulent activities and charges. XXXX requested additional time to investigate but the result was to transfer to collection without resolving. The charges were dispute right from the start and a notice to XXXX to decline the charge. XXXX went ahead and approved the charges despite notifying that the charges were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am the owner of this account and accept full responsibility for it. Somehow Capital One Bank was informed to place account in identity fraud from the credit bureaus and not done by me never gave permission or informed to do so At this point my account is restricted and I can't even make payments on time as I should this is very sad to have to go through this from an error not made by me someone needs to take accountability for these actions that is possible interference on mortgage I am trying to move forward with

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I disputed several fraudulent charges on my account totaling almost XXXX. Ameris Bank refunded XXXX of the transactions, but refused to credit my account back from the other XXXX. Someone obtained my card and account information and made charges to my account. The bank failed to protect me as the consumer and my funds. 

I am requesting a refund of my funds in the amount of XXXX into my Ameris Banking account. 

The bank is refusing to take responsibly for the theft and telling me it is my responsibility to investigate. 

The thief used XXXX for the fraudulent purchases. XXXX will not discuss with me, because the fraud did not occur on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my daughter alerted me to a systematic emptying of her Frost checking account ( on which I was a secondary account holder ) through EFT 's to unknown individuals. She went to the Frost bank lobby and froze her account, alerting me and her siblings ( all of whom have Frost accounts ) to check for similar frauds. Frost froze my and my husband 's checking account and my XXXX children 's accounts to make sure they hadn't been similarly attacked. XXXX 's and my account had XXXX transfer as did my daughter XXXX. We shut down all three accounts, opened new ones, and I wiped my computer and phone to prevent further fraud. Frost " investigated '' the incidents and reported to me that all of the transactions were appropriately " authorized '', and eventually decided that they were not liable for the theft. I disagree. Upon consulting with an attorney, we had to file police reports and complaints with CFPB and FTC ; all of which have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: GA

Complaint narrative:
I enrolled with XXXX XXXX in XX/XX/year> after being referred by XXXX XXXX XXXX. I have paid a total of {$14000.00} into this program, with monthly payments of {$1300.00}. XXXX XXXX promised to negotiate with my creditors, handle any legal matters, and provide protection through their legal program. 

Despite following their directions exactly, including the guidance to ignore the first XXXX settlement offers ( which came from XXXX XXXX XXXX and was confirmed through Gitmeids representatives ), I am now facing XXXX active lawsuits and multiple creditor summonses. XXXX XXXX has failed to defend me effectively or make progress on my accounts. 

When I have contacted them for help, I have only received scripted and impersonal responses with no meaningful plan or action. I was recently told that unless I increased my payment by {$500.00} per month, they could not defend me in XXXX of the lawsuits. This contradicts the original agreement, which promised that my payment amount would remain fixed and sufficient to handle all legal matters. 

I have already paid over XXXX XXXX dollars, yet most of that money appears to have gone toward company fees rather than creditor settlements. XXXX XXXX has not provided the service promised, has not offered real solutions, and has left me in a far worse financial position than before I started the program. 

I am requesting a full accounting of all funds, immediate closure of my account, refund of remaining escrowed money, and a formal investigation into XXXX XXXX for deceptive and misleading practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: NY

Complaint narrative:
I am a sole proprietor with a Chase business checking account. On XX/XX/year>, I reported clearly fraudulent debit card charges totaling {$3000.00}. These charges were unauthorized and not made by me. 
Chase initially reversed some of the fraudulent charges, confirming that fraud had occurred. However, Chase later closed the fraud case and refused to reimburse the remaining fraudulent transactions. 
As a result of these unauthorized charges, my account became overdrawn by {$740.00}. I was left without access to my own funds and unable to operate my business or meet personal financial obligations. 
I was originally told the fraudulent charges would be reversed within XXXX hours. I was later told it could take up to XXXX  days. Ultimately, Chase closed the case without reimbursing me and without providing a clear explanation for the denial. 
Because this is a sole proprietorship, the financial harm is personal as well as business-related. The fraudulent activity directly caused overdraft fees, financial hardship, and loss of access to necessary funds. 
This fraud all started XX/XX/year> the fraudulent charges were as follows : XXXX : XXXX ( XXXX ) charges of {$100.00} each XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX - {$75.00} XX/XX/XXXX XXXX  XXXX charges : {$100.00}, {$100.00}, {$3.00}, {$4.00} XX/XX/XXXX XXXX XXXX charges XXXX charges at {$100.00}, XXXX charge at {$85.00} XX/XX/XXXX, XXXX {$600.00}, {$200.00} XX/XX/XXXX XXXX - {$100.00}, XXXX XX/XX/XXXX overdraft fee {$34.00} ( for the XXXX charge Chase did reimburse for some of the Target charges ( the XXXX {$100.00} charges and the XXXX {$3.00}, {$4.00} ) They continued to let XXXX use my card AFTER I reported it. The account had never been overdraft and aside from all of the multiple charges to the same retailer on the same day did not trigger a fraud alert. We have had to spend many hours over several days trying to resolve this and Chase keeps stonewalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, {$10000.00} was withdrawn from my Bank of America checking account and paid to a credit card that does not belong to me. I did not authorize this transaction, did not benefit from it, and did not provide my banking credentials to anyone. 

I promptly reported the transaction as fraud and filed a police report. Bank of America denied my claim twice, stating only that the transaction was completed using a device consistent with previous valid account activity. 

On XX/XX/XXXX, I sent a formal written dispute under Regulation E ( 12 CFR 1005.11 ) via certified mail, requesting a reinvestigation and documentation supporting the denial. 

As of XX/XX/XXXX, Bank of America has : Failed to respond in writing to my Regulation E dispute Failed to provide provisional credit Failed to provide documentation relied upon in its decision Verbally informed me that reconsideration was denied without explanation Bank of Americas reliance on device similarity does not establish authorization and does not satisfy Regulation Es investigation requirements. Fraudulent account takeovers commonly involve compromised devices or credentials. 

I am requesting CFPB assistance to ensure Bank of America complies with Regulation E and reimburses the {$10000.00} unauthorized electronic funds transfer.

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 2026-01-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a home equity loan with XXXX XXXX XXXX that was paid in full in 2020. 
The account shows a XXXX balance on the loan. 
After the XXXX & TTruist merger, Truist claims there is a {$250.00} balance on a new account and is refusing to release the lien unless I pay it. 

I was never notified of this charge at payoff, never billed for it, and never received any correspondence regarding an open balance. 

This fee is not principal or interest and appears to be a servicing or closure issue caused by the banks failure to properly close the loan after payoff. 

Truists refusal to release the lien unless I pay this fee is improper and is causing harm to my property title. 

I am requesting immediate release of the lien at no cost and correction of the account.

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 2026-01-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: NY

Complaint narrative:
I am requesting a full refund and additional compensation from TomoBoost for services that were not provided and for the resulting consumer harm and administrative burden incurred. 
TomoBoost has billed me {$79.00} per month beginning XX/XX/2025 through the present, totaling 12 months of charges. The total amount billed for this service is {$1300.00}. Throughout this entire billing period, TomoBoost failed to report any activity to my credit reports, despite the service being advertised, sold, and billed specifically as a credit-reporting product. 

As a result, I paid for a service that was never rendered. Beyond the direct financial loss, this situation resulted in substantial non-monetary damages, including prolonged time expenditure, repeated monitoring of credit reports, multiple attempts to resolve the issue, administrative burden, stress, and disruption to my financial and credit-building plans. 

I am therefore requesting : 1. A full refund of {$1300.00} for services not rendered 2. Additional compensation of {$2500.00} to account for consumer harm, time loss, stress, and to discourage further and future abusive billing practices 3. Immediate cancellation of any current or future billing Charging consumers on a recurring basis for a credit-related service that is not delivered constitutes unfair and deceptive business practices. I am requesting assistance in recovering the full amount owed and in preventing further harm to myself and other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/year> I received an email from Elan Financial Svcs ( EFS ) Visa credit card stating a balance transfer of {$11000.00} was being made to XXXX XXXX. I immediately called EFS and stated I did not authorize this transfer and it needed to be stopped ASAP. The rep stated that the transfer was still 'pending ' and a stop would be put on the transaction as well as suspend and close my Visa cc. An email was sent stating the 'transfer ' was being investigated and the transfer funds were on 'hold. ' However, on XX/XX/year>, I received an email stating not only did the transfer go thru but EFS was adding {$550.00} to this transaction as a 'processing fee. ' EFS recommended I file a police rpt ( I did ), I also placed fraud alerts with the XXXX consumer rpting agencies and also filed a report with the FTC. I had to call countless times and spoke to various fraud investigators, and all said the same thing, the transaction was being investigated. In the meantime, this happened as the holidays were approaching and I was unable to use said credit card because the {$11000.00} + {$550.00} still showed on my credit card statement. 
After countless phone calls I finally received a phone call on XX/XX/XXXX, about XXXX weeks after the initial email from a different investigator stating the case was closed and I was being credited the monies I was owed. Even though I called on XX/XX/year>, stating I had not authorized such a transaction, the monies were indeed transfered on XXXX XXXX, 2025. There is not much of an explanation as to why this occurred. It caused my great worry, put my credit score in low standing, and made me unable to use the credit card during the holidays.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
I opened a chime account with XXXX dollars and they closed it on me and never sent my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
My Direct Consolidation Loans were transferred from XXXX to MOHELA while I was in borrower-requested forbearance. Following the transfer, my principal balance increased significantly. 
A servicer transfer is not a capitalization event. I did not exit forbearance or leave an IDR plan. I am disputing improper capitalization and requesting reversal and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Debt was dispute with Citi, and later the debt was transferred to collection agency. This debt was dispute due to fraudulent activities and charges. Citi requested additional time to investigate but the result was to transfer to collection without resolving. The charges were dispute right from the start and a notice to Citi to decline the charge. Citi went ahead and approved the charges despite notifying that the charges were fraudulent.

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 2026-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
The Debt collector is XXXX XXXX XXXX. I called them the morning of XX/XX/XXXX to receive a paid in full letter for another loan. They let me know there was another claim in their system for me for a loan from Credit Ninja. Knowingly I had already paid this off with XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I sent the paid in full letter to the representative ( XXXX ) at XXXX XXXX XXXX. She then replied to me stating it was a different account number and the balance was still due and I would be served with documentation in two days. I called Credit Ninja and confirmed this was not a valid account number that XXXX had provided me with. The only account I have with Credit Ninja is on the paid in full letter from 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 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
lvnv company .. they have sold this debt to multiple people and im being contacted with multiple different amounts. ive ask for verification and validation, ive asked them to stop with emails etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank closed my checking account with a remaining balance owed to me. The statutory holding period has passed, yet Citibank has failed to timely disburse my funds. Despite multiple contacts, I have not received my refund check, nor have I been provided clear confirmation of issuance, mailing date, or reissue. 

Additionally, Citibank closed my associated credit card account and restricted access, which prevented me from making payments through my normal and established payment methods. During this period, Citibank reported delinquent payments to the credit bureaus, resulting in an immediate and significant credit score drop. 

Although Citibank later stated that payments could have been made by phone using another bank account, this option was not clearly communicated at the time access was restricted, and my primary payment account with Citibank had been closed. Reporting delinquencies under these circumstances is inaccurate because Citibank restricted my reasonable ability to satisfy the obligation.

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