vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a navy federal account but the information on this report is completely inaccurate and all inaccuracies by law must be removed immediately as its hindering me from opening any accounts or getting any loans in my name. 
The dates being XXXX to XXXX for this account is absolutely wrong I had an account before XXXX. Year being XXXX. There was also no discrepancies on this account that would have caused it to get closed and it needs to be removed from my account immediately. Under FCRA law 605B it states identity theft law which means it needs to be removed immediately as this is listed twice and both arent correct it is absolutely a fraud ent account showing up the one I actually had with navy federal was done over 7 years ago as my son is XXXX and it was opened before I had him so this is something different and wasnt opened with my knowledge at all I did not open this account. Remove it immediately. Thanks also FCRA Law 611 states that all innacurate reporting must be removed within a 30 day period however since this isnt the first time I am attempting to remove it and since its fraudulent it must be removed within the 4 day period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Bridge IT, Inc.
State: ND

Complaint narrative:
I did a transfer card debid on XX/XX/year> howeber the app shows an error occurred and they were unable to complete my transfer of {$2600.00} XXXX contact support team after XX/XX/XXXX to get a solution i need my money for my family we are in crisis now and they dont give me an answer i need my money please help me. XXXX most give a fast solution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This listed on my report .. its FRAUDULENT. And I guess they discovered that and just closed it after a few days as the report just states account closed after a couple dollars was added to the account listed however its not mine! Im not sure but thats what it looks like but the fact of the matter is its listed on MY name and thy have yet to remove this even though its FRAUDULENT and I didnt open this account!

I am a victim of identity theft and am formally disputing the account from TRUIST BANK listed on my XXXX  report. I did NOT authorize or initiate this account. Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies must block information identified as resulting from identity theft within four business days of receipt. I have attached my official Identity Theft Report and proof of identity. I demand the immediate removal of this fraudulent information from my file.

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 2026-01-26 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: SC

Complaint narrative:
I let Dillard's/CITI know that I had noticed a charge on my card that was not mine. I let them know that my card had been cloned and that I had filed the correct paperwork and noticed that charge was on there. They sent me a new card and said it was resolved. I received a package in the mail dated XX/XX/year>, but did not arrive till XX/XX/year> stating they had verified the information that I made the charges. The information they provided says that my email address, that I don't have. If they had checked there information, they would know that I don't have that as an email address. And that the order came from XXXX and I don't live in XXXX. This however, is insufficient for them to prove that I didn't charge it. 

There is valid proof that the phone with the card information on it was cloned. Yes, my card number is/was out there for people to use. The proper notice and paperwork has been completed. The evidence they sent shows that addresses were changed and that I don't have an account with heydude to have prior orders, which the company alleges I have.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have been unable to access my Bridgecrest auto loan account online for several months. 

Each attempt to register or log in results in an error stating my account number and personal identifying information are already associated with another profile. 

I have contacted customer service numerous times and have been told there are system issues or that my prior account would be deleted so I could re-register. Despite these assurances, the problem has never been resolved. 

As a result, I am unable to view statements, confirm payment history, or manage my loan electronically. This limits my ability to monitor my account and presents potential risks to my credit reporting and financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, there were transactions made from XXXX to an unrecognized name and number. on the XXXX {$500.00} and on the XXXX {$300.00}. I did not authorize these transactions. I was out with a group of people and others at a celebratory event that weekend. I only had my smart phone with me. I submitted a claim to Chase bank and immediately changed all of my passwords and username. I was denied claim because they couldn't get a hold of the funds and I was told a separate time it seemed like I had authorized due to no trouble getting into my account. I am not sure who could have done this as this event was full of people and apparently no friends of mine. I no longer have communication with anyone that was present, nobody knew about how could this have happened when XXXX was trying to figure it out. The issue with smart phones is that once you're in or know the initial password you can add face id and its not listed as to how many faces are registered. the smartphone also has a password app where all passwords are listed. I submitted whatever proof I can gather but they keep telling me XXXX will help. I have been going back and forth with them, XXXX then tells me they only accept report but can not file claims but that the bank will help, at the end no help at all. I waited so long for chase to review my supporting documents only for them to tell me no matter the submissions they can not do anything for me. I have basically reset my phone face id, passwords, all apps have been changed, recently I got locked out of my chase app. someone was trying to get in, i asked for the bank to make note of this on my claim. I dont know what else proof to provide nor what else to do, as these transactions where not made by me nor I gave authorization for anyone else to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: IL

Complaint narrative:
On XX/XX/XXXX, I purchased goods from XXXX using Affirm installment financing. The merchant never shipped the item. 
The XXXX  tracking number provided by the merchant ( XXXX ) shows only Label Created/ Awaiting XXXX  Pickup. The package was never tendered to XXXX, never entered transit, and was never delivered. An estimated delivery date of XX/XX/XXXX passed with no shipment or delivery. As of XX/XX/XXXX, no delivery has occurred. 
Before disputing, I attempted multiple times to contact the merchant by phone, email, and their website contact form and received no response. The merchant only replied after being notified of the dispute and still did not provide proof of shipment or delivery. The merchant later claimed that waiting for XXXX pickup and an estimated delivery date constituted proof of delivery, which is incorrect. 
I filed a dispute with Affirm for non-delivery of goods. The dispute was resolved in the merchants favor after the merchant claimed they provided proof of delivery. When I contacted Affirm customer service to request this proof, I was informed that they could not view any proof of delivery. No carrier-verified delivery confirmation exists. 
A shipping label and estimated delivery date do not constitute proof of delivery. Affirm accepted a merchant claim that directly contradicts the carriers tracking records and resolved the dispute without verifying delivery. I am being required to pay for goods that were never shipped or received. 
I am requesting a re-review of this dispute, requiring carrier-verified proof of delivery or reversal of the charge due to non-delivery of goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
DESCRIPTION : I am filing this complaint against Chase Bank for refusing to honor my rights under Regulation E ( 12 CFR 1005.10 ) to revoke authorization for preauthorized ACH debits. 

Timeline : XX/XX/XXXX : I submitted a request via Chase Secure Messages to revoke authorization for ACH debits from " XXXX XXXX XXXX XXXX XXXX XXXX amount {$47.00} ) from my checking account ending in XXXX. 

Chase responded with a canned response treating this as a " stop payment order '' ( which costs {$30.00} ) rather than an ACH authorization revocation ( which is free under federal law ).

I sent multiple follow-up messages clearly citing Regulation E, 12 CFR 1005.10 ( c ), explaining that I am exercising my right to revoke authorization for preauthorized electronic fund transfers, NOT requesting a stop payment order.

Chase then suggested I close my checking account ( which I've had for approximately 10 years ) rather than honor my basic consumer protection rights.

When I sent a detailed message explaining the distinction between ACH revocation and stop payment orders and calling out their unreasonable suggestion to close my account, Chase completely ignored my message and responded with the exact same canned response from their first reply - literally going back to square one as if I had never explained anything.

Chase is violating my rights under Regulation E by : 1. Refusing to process ACH authorization revocations without charging stop payment fees.

2. Treating mandatory consumer protections as optional services.

3. Suggesting account closure rather than honoring federal banking regulations.

4. Using canned responses and ignoring detailed customer explanations of their legal rights I am requesting CFPB intervention to ensure Chase processes my ACH authorization revocation as required under federal law, without imposing unauthorized fees.

I have documentation of all secure message exchanges and can provide them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/25 I ordered a coffee table from XXXXXXXX XXXX XXXXXXXX. I used Klarna to pay for that order. I realized immediately after getting of the phone, upon getting email confirmation from XXXXXXXX XXXX XXXX, that I had an old shipping address attached to the order and I called to change that. I was told by XXXXXXXX XXXX XXXXXXXX customer service, on that date, that due to some issue with how Klarna works, I could not change the shipping address and the only way to have the table shipped to the correct address would be to " return '' the item. If I did not " return '' the table, it woudl be shipped to the incorrect address. Before doing so I called Klarna to find out if I could rectify the situation and have the shipping address changed and they told me that wasn't possible. I called XXXXXXXX XXXX XXXXXXXX back and proceeded to authorize a " return ''. I then proceeded to order the table again, with the proper shipping address and I paid for it with my XXXX  credit card this time. Klarna kept the loan in force and was paid the full amount. XXXXXXXX XXXX XXXXXXXX was contacted to notify Klarna that the item had been returned and they ( XXXXXXXX XXXX XXXXXXXX  ) authorized a full refund and notified Klarna of that, according to XXXXXXXX XXXX XXXXXXXX 's customer service. I have pursued this for some months and Klarna refuses to credit me with a refund for this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I was the victim of fraud in which the offenders convinced me that they were my bank and I transferred XXXX to them thinking they were the bank 's fraud department. My bank, Bank of America, issued me a temporary credit while they conducted an investigation and now XXXX months later they are concluding that I was at fault and they will be withdrawing the XXXX that was taken through fraud and then credited back temporarily by them. This will have extreme adverse consequences on my financial health and family, and it is completely unwarranted and unsound, as I was very much a victim of fraud! I want my money back.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am disputing a fraudulent charge in the amount of {$8000.00} that appeared on my Navy Federal account in XX/XX/year> on my card ending in XXXX. This transaction is not mine. 

Upon discovering the charge, I immediately contacted the merchant, XXXX. XXXX informed me that they have no transaction of this charge tying to me or no charged at all. I provided this information to Navy Federal.

Despite this, Navy Federal has continued to hold me responsible for the charge. I have repeatedly requested proof that the transaction was authorized by me, and Navy Federal has admitted that they do not have proof that the charge is mine. Nevertheless, they stated they are keeping the charge on my account due to my history. 

My history with Navy Federal has been positive for over 32 years. I have never had issues of fraud or disputes before this incident. Any overdraft fees, if ever incurred, were automatically paid, and my account has otherwise remained in good standing.

I have complied fully with all requests from Navy Federal and submitted all required documentation, including a police report, FTC identity theft affidavit, and any additional forms requested. I have been disputing this charge for nearly a year. 

Navy Federals decision to hold me liable for a charge they can not prove is mine, especially after receiving documentation from both myself and the merchant ( XXXX ) stating there is no proof of authorization, is unreasonable and unfair. Basing their decision on an alleged history rather than evidence violates fair dispute resolution practices. 

I am requesting that this fraudulent charge be removed from my account and that Navy Federal correct my account records accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, we entered into a home improvement financing agreement with GreenSky through XXXX XXXX of Michigan ( XXXX ), for a residential project located at XXXX XXXX XXXX, XXXX, Michigan. The financing was set up in person by the contractor at the time of the sale. 
On XX/XX/XXXX, GreenSky processed a down payment of {$8800.00}. The project was not completed, and significant issues arose regarding performance and resulting damage to the home. 
On XX/XX/XXXX we formally opened a dispute with GreenSky for contractor non-performance and incomplete work. GreenSky assigned Case # XXXX and confirmed the dispute was under review. During this period, we repeatedly communicated in writing that the project was incomplete, damages were alleged, and no authorization was granted for release of additional funds. 
Despite the active dispute on XX/XX/XXXX the contractor attempted to submit an additional payment request for {$27000.00} which we explicitly rejected in writing and exceeded the contractual balance. GreenSky confirmed the transaction was blocked. 
On XX/XX/XXXX we contacted GreenSky solely to confirm whether the payment block remained in place. In response GreenSky stated that the transaction was blocked and that " this case is closed, '' without providing any written dispute determination, explanation, or notice of resolution. 
At no time did we request closure of the dispute, and the underlying issues of contractor non-performance, incomplete work and alleged damaged, remain unresolved. The dispute was closed without clear justification or documentation, creating uncertainty regarding billing status, dispute handling, and consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: IL

Complaint narrative:
LEAFY FINANCIAL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research LEAFY FINANCIAL LLC 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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App denied my unauthorized transaction claim ( Case # XXXX ) without providing evidence of authorization. 

The disputed transaction is {$2500.00} from XX/XX/2022, tied to a federal tax refund. I did not authorize this transfer, did not share credentials, and did not approve debit card linkage. 

Cash App claims authorization but has refused to provide authentication logs, IP/device data, or transaction verification evidence. 

I am requesting CFPB escalation for unfair claim handling, lack of transparency, and improper denial, and I request reimbursement or enforcement review

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I lost my Macys Star Rewards Platinum Card and received a replacement card via mail in early XXXX. I was told by a Macys Representative that along with the card, I would receive a few days a later, a letter via mail with a reference number. Once I receive the letter, I am to call Macys back with the reference number. I never received the letter and have since receiving the card called their XXXX telephone number to attempt to resolve the issue 3 times. All 3 times the representative has told me that they are unable to activate my card without the reference number contained in the letter that i never received. XXXX times, they have told me that they are resending the letter and that I would receive it within 7-10 business days. When i ask to speak to a supervisor, they say that they are the ones who resolve these issues and have escalated my issue. I have stated that I am calling from the telephone number on file and can't that serve as verification or my email address which is also on file, but none of these attempts and requests have resulted in the activation of my card. I have also stated that due to this issue, I've lost my star rewards, can't shop at Macys and also am about to lose my star rewards again, but the representative just says, " I'm sorry, but without the letter, unfortunately we can't do anything ''. It is extremely frustrating. I need my card to be activated. I have never been behind on my payments and have been an account holder for over 20 years.

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