vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX : PURCHASE ID:XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX View/Edit Other Payment - {$16000.00} XX/XX/XXXX XXXX XXXX XXXX : PURCHASE ID:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX View/Edit Other Payment- {$20000.00} I was charged a total of {$37000.00} in transactions I did not authorize. Later that same month, I filed a police report with local law enforcement ( XXXX police department, FL ). When I brought this up to my bank ( Bank of America ), the bank told me they will investigate it, and that I shouldn't worry at all because it was extremely likely I would get my money back. After a preliminary investigation, Bank of America told me I am liable for the cost, even though I never authorized these debits from my account. They told me they are denying my claim based on it being a billing dispute despite me CLEARLY telling them it is fraud. The bank is refusing to classify this as a fraud claim on my checking account. As I am a victim of serious fraud, the bank is refusing to cooperate and refusing to refund my stolen money. Even after filing a CFPB complaint, the bank is unresponsive and has not made any eorts to refund the money stolen from my account. This is an URGENT matter and I need my money that was stolen IMMEDIATELY. I don't know if the merchant somehow authorized these payments on my behalf without my knowledge. I never provided my debit card PIN to this merchant who charged me, and I never received any two-factor authentication notification on my phone or email prior to this amount being deducted from my bank account. The merchant did not provide any services/goods also to me so I don't know what this debit is. The email address that the merchant has on file is also not my email address. I was in possession of my debit card at the time of these two fraud transactions, so I believe I am a victim of SERIOUS IDENTITY THEFT. THE BANK HAS NOT PROVIDED ANY DOCUMENTS THAT PROVE I INDEED AUTHORIZED THESE 2 TRANSACTIONS AND CLOSED MY CASE WITHOUT RESOLUTION. THIS ISSUE HAS NOW BEEN ESCALATED AND REPORTED TO THE FOLLOWING SIX AGENCIES : Reported to CFPB : Complaint ID : XXXX Reported to Local Law Enforcement : Case Number XXXX XXXX ( Reported XX/XX/XXXX ) Reported to my Bank : Claim ID : XXXX Office of Comptroller and Currency : OMB Control No . XXXX Expiration Date : XX/XX/XXXX FTC Report Number : XXXX Reported to FBI Internet Crime Complaint Center : Submission ID : 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 monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is refusing to execute a XXXX XXXX XXXX ( XXXX ) opt-out on my credit card, despite XXXXXXXX XXXX own documentation confirming that the opt-out is submitted by the issuer on the cardholder 's behalf. I requested a replacement card from BofA recently. Because merchants are receiving my new card number automatically via XXXX, recurring charges I wanted to stop are continuing to post. I called BofA and spoke with a supervisor who told me there is 'no way ' to opt out and that XXXX needs to do it. ' This is false. XXXXXXXX XXXX official XXXX FAQ ( httpXXXX XXXX XXXX ) confirms that issuers not XXXX, not cardholders directly submit the Cardholder Opt-Out Advice code ( " O ' ). Standard XXXX card agreements direct cardholders to contact their issuing bank to request the opt-out. BofA is the issuing bank. They have both the authority and the obligation to execute this request. I'm asking CFPB to require BofA to : ( 1 ) submit the XXXX opt-out for my card, ( 2 ) confirm in writing that it has been processed, and ( 3 ) correct the misinformation their customer service staff are providing to cardholders making this request.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am filing this complaint against Credence Resource Management regarding an alleged account they are attempting to collect and/or report. I did not receive proper validation of this debt, and I was not aware that I had the right to dispute the account. I was never clearly provided documentation showing what this debt is for, the original creditor, how the balance was calculated, or proof that Credence Resource Management has the legal right to collect it. As a consumer, I should have been given notice of my rights under the Fair Debt Collection Practices Act, including the right to dispute the debt and request validation. Because that did not happen, I was denied the opportunity to address this matter in a timely manner. I am also concerned that any credit reporting tied to this account may be inaccurate or incomplete. Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus are required to report accurate information and investigate disputes reasonably. I am a North Carolina consumer and also request review under applicable North Carolina consumer protection and debt collection laws, including laws that prohibit unfair or misleading collection activity. I am requesting the following : Full written validation of the debt, including the original creditor, account history, itemized balance, and proof I am responsible. Proof of when and where any notice of dispute rights was sent to me. If they can not validate the account, removal of any credit reporting and closure of collection activity. A full investigation into whether my consumer rights were violated. My name is XXXX XXXX. I dispute this account and request a written response with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. 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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have reached out to cashapp multiple times since XXXX of XXXX. They closed my account and said i was committing " fraudulent activity '' for disputing purchases i did NOT make. I appealed the decision multiple times, reached out to customer service, and filed multiple complaints. They say I am able to withdraw my money but nothing else, but when I go to withdraw my money, they say i can not continue since my account is closed. They always say they've upped my case to a higher up and they'll get back to me but they DONT. i currently have $ XXXX dollars sitting in that account that they are not allowing me to withdraw and I refuse to wait any longer to get my account appealed to get money that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I tried to log into my account with Synchrony, the supplier of 3 of my credit cards. It wouldn't let me without verifying ID with an old phone number that I dont have access to. So I tried calling them and they have my new number but they dont seem to be able to change the access online. One person was able to get me onto the account but im still not able to add users or order new cards without access to my old phone number. It's ridiculous I spent 3 hours on the phone verifying and reverifying my info and I still can't get anything done with it. I've researched online threads about this issue and it seems like they just run you around in circles till you give up on it. I can't even lock my card without accessing my old phone number which I haven't had for over 2 years. The secure access in itself seems like a terrible security flaw. I was told on my first call in with them that I simply need to call the credit bureaus and change my phone number with them. I checked them and they have the correct number. So again that was another run around to get me off the phone on a separate wild goose chase. The problem is clearly with Synchrony as my other credit card providers do not seem to have this problem. The attachment is a screenshot of the verification I keep coming back to whenever I try to update anything to do with any of my accounts. The phone number is incorrect and they will tell me that they have the correct one updated just to get me off the phone only to try again and its still wrong. I have gotten at least 2 of these cards issued since I have gotten my new number. And have filled out my applications accordingly so they have no issue issuing new credit with what they deem incorrect information but will not allow me to access or make updates to my accounts without access to old verification that is no longer in use by me.

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 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MD

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding IQ Data XXXX XXXX XXXX for violating federal debtcollection and consumerprotection laws. IQ Data XXXX placed a collection account on my credit report without providing any prior written notice, which is illegal under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. This practiceknown as debt parkingdeprived me of my right to dispute or validate the alleged debt before it damaged my credit. IQ Data XXXX never sent me a validation letter, itemized statement, initial contract agreement, or any notice before reporting the debt. I had no opportunity to review, dispute, or request verification before the account appeared on my credit reports. This is a direct violation of federal law and has caused significant harm to my credit profile and financial stability. In addition, IQ Data XXXX prevents consumers from requesting to delete ( opt-out ) personal information from their data from their website. They continue to retain and use my data even though I never had any business relations with them. IQ Data XXXX engages in debt parking because the company is fully aware of how difficult it is for consumers to remove a collection account from all three major credit bureaus once it has been furnished. Debt parking is a tactic that relies on the fact that negative credit information can remain on a consumers report for up to seven years and is often extremely difficult to dispute or remove, even when the debt is unverified or inaccurate. By placing the debt on my credit report without providing the required written notice, IQ Data XXXX created immediate pressure and leverage, knowing that consumers often feel forced to pay a debt simply to restore their credit, regardless of whether the debt is valid. This practice is unfair, abusive, and directly contradicts the protections established under the FDCPA and Regulation F.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: CT

Complaint narrative:
I started with the law offices of Robert S. Gitmeid in XXXX of XXXX and paid them about {$6000.00} over the course of a year and one half to settle my debt. They did not even come close to settling the full amount of debt I enrolled. They only settled small debts here and there collecting massive fees. They told me to stop paying my creditors, which ruined my credit score. I left their program in XXXX because I had to declare bankruptcy due to the fees they collected and the debts they failed to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding the closure of multiple credit card accounts by Synchrony Bank. All of my accounts were in good standing, with 100 % on-time payment history and zero balances at the time of closure. I have never missed a payment, and my accounts were managed responsibly at all times. Despite this, Synchrony Bank closed all of my accounts without providing a clear or sufficient explanation. This action has negatively impacted my credit profile by significantly reducing my available credit and increasing my credit utilization ratio, which has resulted in a drop in my credit score. I respectfully request : 1. A detailed explanation for the closure of my accounts 2. Consideration for reinstatement of the accounts or restoration of my credit lines 3. That Synchrony Bank ensure accurate reporting to all credit bureaus, reflecting that the accounts were closed in good standing I believe this situation is unfair given my excellent payment history and responsible use of credit. I appreciate your assistance in resolving this matter.

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 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was notified by email from XXXX of 3 charges made to my XXXX card and asked to verify if they were legitimate. I responded and informed them that all 4 charges were not authorized by me. I now have a statement with all 4 fraudulent charges appearing on the statement as if they are legitimate. That would be one thing if I hadn't deliberately responded to their query and confirmed them to be fraudulent so why are they on my bill as if XXXX expects me to pay for them. One is from XXXX which I do not use or subscribe to. One is from XXXX in XXXX, XXXX. I have never been there and have never eaten at a XXXX XXXX restaurant. One charge is from XXXX in XXXX XXXX. I haven't been to XXXX in several years and have never shopped at or use XXXX. I do NOT intend to pay for any of these charges which amount to {$82.00}. I am locked out of my account on line and am unable to post a further dispute of any of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX I enrolled in a CareCredit ( Synchrony Bank XXXX loan program for a dental procedure. I was given a promo that stated there would be no interest on the loan if paid in full within XXXX year from the purchase. I have made good on payments since the loan was taken out. On XX/XX/XXXX of XXXX, I contacted Synchrony Bank via a phone call because I had noticed that an interest charge was added to the remaining balance. I spoke to an agent and explained my circumstances. The agent explained that it had been one year from the time of purchase and since the loan was not paid in full within a year, interest was now added on the entire amount, not simply the remaining balance. I was told by the agent that I would be given a one time 30 day extension on the promotion ( no interest if paid in full ). I asked the agent multiple times if this was 100 % accurate and correct. I was assured that I would be given a 30 day extension, bringing the entire length of the promo to a full 13 months instead of XXXX. This would bring the due date of the remaining balance to XX/XX/XXXX. I also asked the agent if I could get this extension guaranteed in writing via email or physical mail. The agent said this would not be necessary, so I took their word for it in good faith. I phoned Synchrony Bank a second time, on the XXXX day of the extension to pay the remaining balance and close the account. To my surprise, the agent told me that this was not the case and that my promotion had expired, and that I would owe not only my remaining balance ( which was {$270.00} ) but the interest on the entire loan amount ( which at the time of this note is {$450.00} and counting ). I explained to the agent that I had a verbal guarantee of a 30 day extension. I asked to speak to a supervisor who told me the same thing. I then spoke to a third person ( an " account manager '' ) that also told me that I was mistaken and that the initial conversation was inaccurate. This same person told me that they would submit an " appeal '' that could take 48 hours.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am the owner of XXXX XXXX XXXX ( XXXX : XXXX ). I am filing this complaint to dispute Chase Banks decision to freeze my business account following a technical error involving a {$1800.00} check deposit. On XX/XX/year>, while working as a long-haul truck driver, I attempted to deposit a {$1800.00} check ( issued by XXXX XXXX XXXXXXXX ) via the Chase mobile app. 1. Technical Error : My first attempt at XXXXXXXX XXXX XXXX was rejected with the message " We couldn't process your check. '' ( See Exhibit 1 ). 2. Correction in Good Faith : Following the app 's prompt to provide a clearer image, I re-scanned the check at XXXX XXXX XXXX ensuring all four corners were visible. This second attempt was accepted. ( See Exhibit 2 ). Chase has characterized this correction of a failed technical scan as " fraudulent activity '' and subsequently locked my entire business account. This action is a clear lack of due diligence, as a simple manual review of the time-stamped notifications would prove there was no intent to double-deposit, only a retry after a rejection. This unjustified freeze has caused significant harm to my trucking operations and forced me to file a tax extension. Desired Resolution : 1. Immediate Validation : Manually review and validate the {$1800.00} deposit as a legitimate business transaction. 2. Restore Access : Immediately lift the restriction on my business account or, if the account is to be closed, release all funds via a CasXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 3. Clear Records : Ensure no negative " Fraud '' flags are reported to XXXX or XXXX regarding this technical incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
I am filing a complaint because Chase Bank incorrectly posted a {$42.00} XXXX authorization hold as a completed transaction, despite the merchant confirming in writing that the hold was voided and never finalized. Currently I sent the last request to Chase on XXXX XXXX, but no reply as of now. This is not a dispute of a legitimate charge. It is a bankside processing error. 1. Summary of the Issue On XX/XX/year>, XXXX placed a {$42.00} authorization hold. On XX/XX/year>, XXXX provided an official written statement confirming : The charge was only an authorization hold The hold was voided Any remaining processing must be completed by the bank Despite this, Chase posted the transaction as a completed charge on XX/XX/year>. A voided authorization hold should never post as a finalized transaction. 2. Evidence Provided to Chase I submitted XXXX official PDF multiple times through Chases secure message center. The document clearly states : This was an authorization hold and has been voided. Chase has ignored this evidence. 3. Chases Responses Over multiple secure messages, Chase repeatedly : Ignored the evidence Ignored my explanation that this is not a dispute Sent template responses Incorrectly told me to contact the merchant Told me to file a dispute, which is inappropriate for a bankside posting error Even after escalation to the highest level, Chase has not addressed the facts. 4. Impact on Me I can not proceed with my monthly payment due to the unresolved incorrect posting I have spent significant time contacting Chase I have received no meaningful review Chases inconsistent responses have caused stress and financial uncertainty I have fulfilled all my obligations as a cardholder. 5. What I Am Requesting I request that CFPB require Chase to : Correct the incorrectly posted transaction Explain why a voided authorization hold was posted Explain why the evidence I submitted was ignored Conduct a proper review instead of sending template responses This is not a dispute of a legitimate charge. It is a request to correct a clear processing error.

Company response to consumer: Closed with non-monetary relief