vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
In XX/XX/year>, I saw a promotional offer for the American Express XXXX XXXX XXXX Credit Card. The offer stated that I would earn 70,000 bonus miles after spending {$3000.00} or more within the first 6 months, plus an additional 20,000 bonus miles after making another {$2000.00} in purchases within the same 6-month period. Based on that offer, I applied for the card. At first, the application status showed that my case was under review. On XX/XX/year>, I received an email from American Express stating that they needed additional information from me and that I should call them. On XX/XX/year>, I called American Express. During that call, I was told that because I already had an existing American Express card with my previous address on file, and I had used my current address on the XXXX XXXX application, the system did not initially recognize that I was the same person. After that was clarified, the issue was resolved and I was approved for the card. During that same phone call, which was recorded by American Express, I specifically asked the customer service representative to confirm the bonus miles offer attached to my application. The representative read the bonus offer aloud to me, and only after that confirmation did I give permission to proceed with opening the card. Today, XX/XX/year>, I am very close to reaching the first {$3000.00} spending requirement on the XXXX card, so I contacted American Express again to confirm the bonus offer. However, I was told that I do not qualify for any of the bonus miles because I already had an American Express card. This does not make sense to me, because during the XX/XX/XXXX phone call, American Express was fully aware that I already had an existing account, and the representative still confirmed the bonus offer before opening the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/year>, Bank of America withdrew approximately {$50000.00} from my business checking account to satisfy a charged-off auto loan. This withdrawal was made without any prior written notice, warning, or opportunity for me to make alternative arrangements. The funds removed were intended for essential obligations, including housing, utilities, and necessary expenses for my household and business operations. The sudden removal of the full {$50000.00} has caused immediate and severe financial hardship. I am currently at risk of not being able to meet critical financial obligations, including rent and ongoing expenses. Additionally, my household includes a dependent with serious medical needs requiring consistent care and resources, which have been directly impacted by the loss of these funds. I contacted Bank of America to request assistance, including a hardship review and reconsideration of the amount withdrawn. I was informed that no reversal would be considered unless there was a bank error, despite the significant financial harm caused by removing the full amount at once. I also requested documentation identifying the specific agreement and clause authorizing this action, as well as an explanation for why no prior notice was provided. I was not provided with any documentation or clear explanation beyond being told this action falls under general account terms and conditions. While I understand the bank may assert a right of offset, the execution of a full {$50000.00} withdrawal without notice is excessive and has caused disproportionate financial harm. There was no reasonable opportunity to prevent or prepare for this action. I am requesting : A full or partial reversal of the withdrawn funds, OR A structured repayment arrangement in place of a lump-sum offset Additionally, I request : Documentation of the specific contractual authority used to perform this withdrawal A written explanation of the banks policies regarding notice and proportionality when executing offsets of this size I am seeking an urgent and equitable resolution given the significant financial hardship and risk this action has created.

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 2026-04-01 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, my family and I arrived in XXXX for our stay at XXXX XXXX. There were four of us total : two adults and two children. On XX/XX/year>, we attended a sales presentation for the XXXX XXXX membership program. During that presentation, we were subjected to heavy sales pressure and were pushed into signing a membership agreement for approximately {$34000.00}. During that same sales process, the sales staff also pushed a so-called free presidential suite upgrade for our current stay. I did not request that upgrade. It was presented to me as free. At the same time I was signing the membership paperwork, they also pushed a separate small document related to that suite . That document stated that the presidential suite would only be free if the membership remained active, and that if the membership was canceled, I would owe approximately {$14000.00} for that suite . On XX/XX/year>, within less than 24 hours of signing, I canceled the membership and demanded a full refund. At the same time, I also clearly stated that I was declining the presidential suite , that I did not want any keys made, and that we were fine remaining in our original room. I did not want the suite , did not accept it, and did not use it. After that cancellation, XXXX XXXX did not properly resolve the matter or provide the refund I requested. Because of that, I disputed the charge with American Express. After I opened the dispute, American Express initially issued a provisional credit of approximately {$34000.00} back to my account. Later, XXXX XXXX challenged the dispute and submitted defective documentation to American Express. The document they relied on for the alleged presidential suite charge was not valid. It showed a reservation number of XXXX which indicates there was no real booking. In addition, the document showed only two adults, even though our stay involved four people total : two adults and two children. These inaccuracies show that the document does not reflect a real reservation or an actual upgraded stay. I never stayed in a presidential suite , never used one, never accepted one, and specifically declined it when I canceled the membership. Even so, American Express ultimately ruled against me and accepted the merchants defective documentation instead of properly considering the facts, my cancellation, and the inaccuracies in the documents. I am filing this complaint because I canceled the membership within 24 hours, rejected the suite , did not receive or use the alleged upgraded accommodation, and American Express failed to fairly evaluate the evidence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am raising a formal complaint regarding a collection account that has been reported under my name, which I do not recognize and have no knowledge of. This alleged debt is unverified and does not belong to me, yet I have been subjected to repeated and unwanted communications across multiple channels, including what I perceive as threatening language regarding potential legal action. This situation is extremely distressing, as it reflects inaccurate reporting and a violation of my rights as a consumer. It has caused significant emotional strain and ongoing disruption to my daily life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am filing this complaint regarding a collection account currently being reported by Jefferson Capital Systems XXXX. This account appears to be related to a prior Fingerhut/WebBank account that I previously disputed. That account was removed from my credit reports with TransUnion and Equifax after my disputes. After the removal, the account was later resolved with XXXX XXXX XXXX, and the balance was satisfied. Following this resolution, the account remained deleted from my credit reports. Despite this, a new collection account has now appeared under Jefferson Capital Systems XXXX. I have not received any documentation showing that this is a separate valid debt, nor have I been provided proof that this company has the legal right to collect on a debt that was already resolved and previously removed. This situation raises serious concerns regarding : Improper re-reporting of a previously removed account Potential duplicate or reassigned debt Lack of proper verification and ownership documentation Under the Fair Credit Reporting Act, all information reported must be accurate and verifiable. A debt that has already been resolved and removed should not reappear under a different company without proper documentation and compliance with reinsertion requirements. I am requesting : Immediate removal of this account Documentation verifying this is a separate and valid debt, if applicable Proof of compliance with FCRA requirements regarding reinsertion and reporting This account is negatively impacting my credit despite being previously resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
XX/XX/XXXX, {$53000.00}, actions by me : call the security team and ask for the reopen account and the money back ; actions by company : closes the account and returns money to nobody. The bank name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Ive called & tried to ask can I pay the balance on the credit or the settlement amount so o can close the account & they said I had to email them Ive emailed them twice & have called XXXX times its like the dont want the account closed or paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: FL

Complaint narrative:
Klarna sent XXXX different collection amounts to the credit bureaus. {$530.00} {$91.00} {$46.00} My Klarna app displays I have a {$0.00} balance. The account # I saw on my credit report does mot match my account #. Someone recently hacked all my financial info who lives in California. They have taken my email over and hacked a bunch of other accounts of mine. I did not make any of the purchases above. I notified XXXX of this and also Klarna but Klarna advised to report here. Im at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo regarding an unauthorized withdrawal of {$6000.00} from my account. On XX/XX/XXXX, I submitted a claim after discovering this unauthorized transaction. Wells Fargo denied the claim, stating that my card was used. However, I must emphasize that there were multiple transactions in other statesspecifically in XXXX and XXXX I have never been. Despite this clear evidence, Wells Fargo repeatedly denied my claim. I do not believe they conducted a proper investigation. I ask for your assistance in reviewing this case and ensuring Wells Fargo resolves it fairly. If not, I will escalate further. Thank you for your time and attention. Not to mention I have did everything in my power to prove the transaction was not me or authorized by me and wells Fargo still refuse to help me or take anything into consideration.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing this complaint against XXXX because they have repeatedly failed to conduct a reasonable investigation into a fraudulent account opened in my name due to identity theft, which is a violation of the Fair Credit Reporting Act ( FCRA ). While every other financial institution resolved my disputes promptly, Discover has subjected me to years of lost documents, broken internal processes, and arbitrary denials. Background & XXXX : XXXX : My identity was stolen and used to open multiple fraudulent credit cards, including a Discover account. XXXX : Upon discovering the theft, I filed an FTC Identity Theft Report and disputed the accounts with all creditors. All other banks investigated and removed the fraudulent accounts swiftly. Discover declined my dispute. XXXX : I reopened the dispute with XXXX Based on guidance from XXXX representatives, I compiled robust evidence they claimed would be sufficient to support my case and correct/clear the account. I also included additional documented evidence based on guidance received from experts familiar with these cases. Representatives stated they could only accept evidence via mail or fax. I mailed my dispute documents twice. Months later, Discover claimed they " never received '' either package. XXXX XXXX : I paid to fax my documents from a XXXX facility. Discover later claimed they received " less than half '' of the transmission. After repeated calls highlighting their failed receipt processes, a representative finally provided an email address. I emailed my complete evidence file in XX/XX/XXXX. XX/XX/XXXX : Upon emailing the documents XXXX informed me over the phone that my case is still " not strong enough '' to overturn their decision, despite possessing my complete evidence file. The Issue XXXX XXXX has failed to be transparent about what specific evidence is lacking, especially considering the far less documentation that was sufficient for every other major bank to identify fraud. Their processes for handling sensitive identity theft evidence are deeply flawed, and their refusal to correct this fraudulent tradeline has caused me severe distress and significant damage to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> social security sent {$3100.00} trace # XXXX and on XX/XX/year> {$990.00} to a old cash app account after I reported the card and phone stolen. I called social security office and they stated they have not received the funds back whichthey saidtheyreturnwithinXXXX days whichthey did notdo. I was able to find a old number and the cash app tag and provided all the information to cash app and the still said they could not help me but they still didn't send it back to social security office. I've given them all the information requested and no help. I get XXXX and I live on that income. I started with a representative and they sent it to a supervisor Dates i contacted cash app after finding out that social security office let me know that they sent my money to cash app. Ist date XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> & XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint because Capital One has failed to provide legally required debt validation after multiple formal requests. On XX/XX/year>, I sent a final rebuttal to their XXXX XXXX team ( Case # XXXX ) specifically demanding a copy of the original signed contract, the digital signature certificate ( metadata ), and a complete itemized statement of the account history to prove the validity of the alleged debt ( {$690.00} ). Capital One responded on XX/XX/XXXX acknowledging my dispute but purposefully withheld the requested validation documents, claiming a 'valid contract ' exists without providing the evidence. My XXXX deadline for them to produce this proof has expired as of XX/XX/XXXX. Because Capital One has failed to produce the underlying legal contract or verify the account 's accuracy as required under the Fair Credit Reporting Act ( FCRA ), I am requesting that this unverified account be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had over drafted fees, and they charged me XXXX each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
I pulled all three credit reports and saw a collection from the dept of treasury, I had also got a letter from a collection agency called conserv, to collect the same debit. i disputed with conserve and all three credit companies. the debt came from the canteen services and was opened in XX/XX/XXXX, charged of XX/XX/XXXX, closed on XX/XX/XXXX, with the first late payment in XX/XX/XXXX, i haven't worked for the federal government in no capacity since XXXX XXXX the account also has no paymeny hoistory and went from {$870.00} to {$1000.00}. The IRS put a offset on my taxes and took the funds from my tax return

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
The debt collector 's name collection Total balance : {$420.00} MIDLAND CREDIT XXXX Original creditor COMENITY BANK Balance {$420.00} Balance updated XX/XX/year> Making a statement that you I want to dispute the debt and requesting validation. Contact info Name MIDLAND CREDIT XXXX Address XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX MI XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I have a loan through affirm, making a purchase from XXXX XXXX. XXXX XXXX has sent me receipts of the refund, confirming it has been processed. My loan wasnt cancelled or refunded through affirm, though, I have contacted them XXXX different times. The returned happened on XX/XX/year>. I have paid {$380.00} but still owe XXXX, totaling {$690.00}. I have submitted disputes XXXX different times through affirm and each time responding with theres not enough evidence to refund. XXXX XXXX has told me to contact you and am currently on the phone with them. I have called XXXX XXXX and affirm on the same call at the same time and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX does not want to help me with anything yet they want to go in my savings account and take money out. I can see if it was my checking account but this was my savings account. I have told them multiple times to not not take anything willingly out my account. They don't want to help me refinance my car or offer my any hardship options. I'm getting tired of these credit unions and banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I have attached the letter explaining what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief