vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On Monday XXXX of XXXX two unauthorized Transactions occured by someone totaling {$420.00} XXXX XXXX They only investigated for a day twice and denied my claim. When I had disputes under XXXX dollars they approved it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Hello- I am writing regarding an urgent issue with the American Express XXXX - Membership Rewards transfer system. I have been attempting to transfer close to XXXX points from my consumer credit card account ending XXXX, but the system has been unavailable from XXXX XXXX XXXX XX/XX/year> due to what appears to be a technical outage. This situation is particularly concerning given the announced change in transfer ratios to XXXX XXXX from XXXX to XXXX. The inability to process transfers immediately prior to this reduction materially impacts the value of my points. Experiencing a system outage on the eve of a devaluation creates the appearance of poor timing at best, and at worst feels inconsistent with the transparency and customer-first standards I associate with American Express XXXX Additionally, I did not receive any proactive email communication regarding system downtime or advance notice that would have allowed me to plan accordingly. For customers managing significant point balances, communication and system reliability are essential, especially when Amex intended to depreciate its points value. Given the scale of the transfer I was planning and the financial impact of the reduced transfer ratio, I respectfully request consideration for either honoring the XXXX transfer rate once the system is restored or providing appropriate points or cash compensation for the loss in value caused by this outage. I appreciate your prompt attention to this matter and look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XXXX at XXXX oclock I get an email from synchrony bank that they are closing my credit card with XXXX ; which Ive only had for 2 months if that ; used the card once or twice and paid off ; they run my credit and approved me for card and now close the account and Im really upset cuz its making my credit score drop for closing account ; I want my account open to help build my credit and this aint the only credit card I have with them and dont want the same thing to happen to them as well ; I take pride in building my credit and with them closing my account is dropping my score ; please help with this

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 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prog Holdings, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute a series of XXXX ( XXXX ) transactions initiated by Four Technologies XXXX XXXX on my XXXX XXXX Bank account ending in XXXX on XX/XX/year>. These transactions, totaling {$320.00}, were processed " back-to-back '' in a stacked format without my prior authorization, notice, or consent. Lack of Authorization : While I acknowledge an underlying balance, I did not authorize XXXX individual, concurrent withdrawals. This " stacking '' tactic is a violation of fair lending practices and standard payment processing protocols. Failure to Notify : I received no prior notice that the full balance would be collected via multiple micro-transactions, depriving me of the ability to ensure sufficient funds or manage my essential living expenses. Financial Harm : These actions were predatory in nature, designed to bypass daily limits or balance restrictions, and have caused me to not be able to pay for my living expenses, like groceries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Ok Finance Group INC
State: GA

Complaint narrative:
Ok finance company in XXXX XXXX rips off its customers. There are multiple testimonies online and it is misleading its customers by hiding behind Auto Star dealership. I believe both companies are most likely owned by the same person or family and is financing at high interest rates. With a high deposit and charging twice monthly and adding additional fees. After less than 30 days of non payment. In as little as 14 days they repossess your vehicle and then quickly transfer it to auction lot to keep you on the hook for the remaining balance.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
company won't close my account, has frozen it, wint provide assistance refuses to talk to me. has frozen online access and made threatening and racial comments to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: DE

Complaint narrative:
On XX/XX/year>, I made another of many payment to Klarna, on one of my open orders. Since XX/XX/year>, Klarna has been railroading my purchase power, citing rehearsed lines of paying off more orders, too many orders, etc. These are disingenuous rehearsed lines, to mask their prejudiced and predatory tactics, to collect monies from me While railroading my spending power. Ive never had this issue before, and my spending power was always visible Even if it was at {$0.00}. With the last purchase I made, I had {$250.00} spending power, and made a purchase of {$100.00}. And instead of showing my remaining balance, they blanked my balance out, until they feel like Ive paid off enough orders, to restore it. This practices are deceptive, predatory, and completely unfair to myself, as a client. I have impeccable on time history, yet Im being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Validation of Debt Request - CAINE & WEINERXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was summoned to get a police report in which this occurred in two students loans? IN XXXX. I have two accounts which had my name on these accounts Now I have to get a police report and show proof. How can I get a police report for something that happened 15 years ago. Nelnet started that it was me? .So how can I have two different loans and why i have to get a police report for an error which I don't have nothing to do with me. I didn't make this mistake Nelnet did. Coming up with to different schools and now I have to get a police report for a 2011 mistake which I have no control over?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
Current denied my dispute for a claim I had endless evidence proving. 2 nursing home employees stole XXXX .. from me in 3 XXXX XXXX transactions after using my card for several purchases and on XX/XX/XXXX changing my email to one they created so they could transfer money from savings to checking for use in purchases and finally the 3 XXXX XXXX XXXXn XX/XX/XXXX. I provided an email from the state senior protection agency stating she was trying to contact the facility about my stolen money. I proved the fraudulent email was created XX/XX/XXXX. I had no previous contact with the 2 employees. Current approved the disputes for the fraudulent purchases the 2 employees did but denied the 3 XXXX XXXX and im now homeless after leaving XX/XX/XXXX. The employees admitted tge theft and agreed to return then claimed Current took the money back when card was canceled. XXXX XXXX said successful deposit. I have no XXXX XXXX account they fraudulently attached stolen card to their accounts and transfered my money. Current has refused all attempts with valid evidence to appeal denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks refusal to allow redemption of credit card rewards after account closure. My Chase credit card accounts were closed by the company. At the time of closure, I had accumulated Chase Ultimate Rewards points that had already been earned prior to termination. After receiving notice of closure, I attempted to access and redeem or transfer these rewards within what I understand to be the legally required redemption period. Chase removed access to my Ultimate Rewards balance and informed me that the points could not be reissued or redeemed unless my closed accounts were reopened. I was further informed in written correspondence from Chases Executive Office that reopening the accounts would be required in order to use the rewards. I am not requesting account reinstatement. I am requesting the ability to redeem rewards that were earned prior to account closure. As a New York resident, New York General Business Law 520-e requires card issuers to provide cardholders at least ninety ( 90 ) days after notice of account termination to redeem, exchange, or otherwise use accumulated rewards, and prohibits program terms that waive or limit this grace period. Chases response relied on internal Rewards Program Agreement terms and did not address compliance with this statutory requirement. The company has refused to restore access to my rewards balance during this period. Actions taken After receiving notice of account closure, I contacted Chase to request redemption of accumulated rewards. Chase informed me redemption was not possible unless accounts were reopened. I submitted a written dispute to Chases Executive Office requesting restoration of rewards access for redemption only. Chase responded that rewards could not be reissued because the accounts were closed. Requested resolution I request that Chase restore temporary access to my previously earned Ultimate Rewards points solely for redemption or transfer during the applicable post-closure redemption period, without requiring reinstatement of closed credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have requested a new working debit card that I can set the pin. Not one time since opening my account XXXX months ago, have I had a proper working card. Not one single card has worked at an atm. Then, thy sent me a CREDIT card kept messaging me so " set it up '' I refuse, saying I didn't ask for it, this was sent without my request, in hopes I think that I would mistake it for the debit card I have requested. I now have been waiting nearly XXXX months for proper working card. I have spent literally XXXX hrs or more and XXXX phone calls to them. Now, I can not transfer money to my XXXX account which I opened so I could use an atm. I'm on XXXX and it's not to easy to switch bank accounts. I have like I said, spent hrs on the phone, and because I have used profanity towards them, they then emailed me threatening to close my account. But they do the opposite I ask for, they refuse to listen on the phone! I'm beyond anger, and extremely frustrated with them. I so regret greatly even starting an account at this financial institution I thought capital one was trustworthy, they are not. You spend hours playing their games. I hate them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally dispute fraudulent banking activity that has recently appeared on my XXXX consumer report involving an account opened with Bank of America in or around XXXX 2024. I want to clearly state that I did NOT open, authorize, or have any knowledge of this account. This account was opened without my consent and appears to be the result of identity theft. I only became aware of this matter after reviewing my XXXX report and discovering that an account had been opened using my personal information without my permission. At no point did I apply for, benefit from, or use any account with Bank of America during this time period. This unauthorized activity has negatively impacted my banking record through XXXX and does not reflect any action taken by me. I am requesting the following : Immediate investigation of this fraudulent account Removal of this account from my XXXX report Written confirmation that this matter has been corrected Any documentation related to how this account was opened I am a victim of identity theft and am in the process of taking the proper steps to report and resolve this matter. Please note that I did not provide consent for this account to be opened, nor did I have any knowledge of its existence until recently.

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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I'm an existing Bilt XXXX holder ( XXXX XXXX ) who tried to transition to the new Bilt XXXX XXXX XXXX ( no annual fee ) issued by XXXX XXXX XXXX XXXX. on XX/XX/year>. My application has been stuck on " under review '' for over five weeks now with XXXX resolution. On XX/XX/XXXX, a Cardless support rep named XXXX told me my case was under review and that I'd get a resolution within 5 business days. That deadline came and went with no update. I've followed up four times since then, none of which got a response : XX/XX/XXXX to XXXX XX/XX/XXXX to XXXX XX/XX/XXXX to both XXXX and XXXX XX/XX/XXXX to XXXX, XXXX, XXXX I've had the Bilt card for over a year and have never missed a payment. The whole transition was marketed as " seamless '' for existing cardholders with no hard credit inquiry. Instead, my application has been sitting in limbo for over a month. No denial, no approval, no explanation, and nobody responding to my emails. I'm asking that XXXX / XXXX XXXX. review and resolve my application immediately and explain why it took 5+ weeks and four unanswered emails to get here. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Validation of Debt Request - TRUEACCORD C ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint as a consumer disputing inaccurate and unverifiable information appearing on my Equifax credit report. Charged-Off Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Payment Accounts in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are being reported with negative information that I do not believe is accurate, complete, or verifiable. Equifax has a duty under the Fair Credit Reporting Act ( FCRA ) to ensure that information reported is accurate and properly verified. I am requesting that Equifax conduct a full investigation and require each furnisher to provide proper documentation validating these accounts and the reported balances and payment history. If the information can not be verified, I request that it be deleted or corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: PA

Complaint narrative:
I am disputing charges related to an HVAC installation financed through this account. The contractor failed to deliver the services as agreed. The installation was defective and incomplete, required multiple corrective visits, and never reached substantial completion. Several contract-required items were not installed, and the air-conditioning portion of the system was never tested or commissioned. Safety and code-related concerns were present throughout the installation. The contractor acknowledged in writing that the workmanship, repeated return visits, incomplete items, and safety concerns were unacceptable, but offered only a minimal refund unrelated to the unearned labor. I requested a full refund of installation and workmanship charges. I have obtained an independent HVAC evaluation confirming that the deficiencies are related to installation workmanship and failure to meet manufacturer installation and commissioning requirements, not equipment defects. I am requesting that the account be maintained in dispute status, that payments attributable to unearned installation and labor charges be credited or refunded, that associated interest and fees be removed, and that the balance be adjusted accordingly. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Around XXXX, my Cash App account was closed for allegedly violating the companys terms of service. I was not provided with a clear or specific explanation of what activity violated the terms. Since that time, I have been unable to open a new Cash App account. I primarily used the account to send money to family members. I have not engaged in fraud or illegal activity. I have attempted to resolve this issue but have not received a detailed explanation or meaningful assistance. I am requesting a clear explanation of the alleged violation and a review of the restriction so I can regain access to mobile wallet services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am trying to improve my credit and have been making payments to my Capital One credit card before the due date. However, when I submit a payment, the money is taken from my bank account quickly, but my available credit does not update right away. This delay has caused confusion and led me to accidentally overspend because I believed my payment had already been applied to my available balance. I am requesting faster updates to available credit once payments are withdrawn so I can better manage my account and continue building my credit responsibly.

Company response to consumer: Closed with explanation