vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: VA

Complaint narrative:
I am writing to formally document and escalate an issue regarding a hotel booking made through the American Express travel portal for the {$300.00} hotel credit. 

On XX/XX/XXXX, I booked a hotel stay through the American Express credit card portal specifically to use my {$300.00} annual hotel credit before the end of the year. The booking was completed through the American Express website, which reasonably led me to believe that the stay qualified for the promotion. 

On XX/XX/XXXX, I reviewed my online statement and noticed that the full amount of the hotel stay of {$440.00} was charged to my account and that no portion of the {$300.00} credit had been applied. I immediately contacted American Express and was informed that the hotel was not part of the promotion. I questioned why a non-qualifying hotel was available for booking through the portal without any clear indication that it did not qualify for the credit. At that time, I requested that a ticket or claim be opened regarding this issue. 

After receiving no response or follow-up, I called again on XX/XX/XXXX, and spoke with three different customer service representatives, including a supervisor. Each advised me that nothing could be done. Notably, I was also told that many other cardmembers have experienced the same issue, which strongly suggests a systemic problem with how qualifying hotels are presented on the American Express portal. 

If multiple customers are encountering this same issue, the portal is misleading and not user-friendly. Customers reasonably expect that booking a hotel through the American Express site, especially when attempting to use a time-sensitive benefitwould clearly indicate whether the booking qualifies for the associated credit. The current setup creates confusion and leads customers to incur charges they believed would be offset by a promised benefit. 

I am requesting a formal review of this matter, including reconsideration of the {$300.00} hotel credit for this booking, and an explanation of how American Express intends to address what appears to be a widespread and misleading issue within its booking platform. 

Thank you for your time and attention. I look forward to your response..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding the above-referenced auto account, which is being reported inaccurately and inconsistently across consumer reporting agencies. The account is reported as a joint account with a voluntary repossession, yet key data fields including dates reported, verification dates, payment history, and account status materially differ between XXXX, XXXX, and XXXX. 
Despite these inconsistencies, the account continues to be furnished without documentation demonstrating maximum possible accuracy, in violation of FCRA 1681e ( b ). I previously attempted to address this issue through dispute channels, yet no evidence has been provided showing that a reasonable investigation supported by actual records occurred, as required under FCRA 1681i ( a ) ( 1 ).

Continued reporting of materially inconsistent information related to a repossession presents a high risk of consumer harm. Because accuracy has not been demonstrated and procedural obligations remain unmet, the only appropriate resolution is immediate deletion of this account from all credit reports. I respectfully request that this complaint remain on record to document ongoing noncompliance.

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 2026-01-14 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: NJ

Complaint narrative:
I am filing a complaint regarding a {$92.00} credit card transaction for merchandise that was never delivered and a dispute process that has repeatedly denied my claim despite substantial evidence. 

The purchase was made on XX/XX/year> with an online merchant named XXXX through the website XXXX. The total charge was {$92.00}. The merchant represented itself as a U.S.-based company.

After the purchase, the merchant provided tracking information through a third-party tracking service. The tracking history shows international shipment and customs processing from XXXX, which contradicts the merchants claim of being U.S.-based. The tracking ultimately marked the package as Delivered XXXX on XX/XX/year> at XXXX. XXXX is my town, not a delivery address. The tracking provides no street address, delivery photo, carrier confirmation, or any proof that the package was delivered to my residence. In my town, package deliveries do not occur at XXXX XXXX, making this delivery claim implausible. I never received the merchandise. 

On XX/XX/year>, I emailed the merchant at XXXX regarding XXXX # XXXX to request shipping information. The merchant never responded to this email or any subsequent attempts to contact them. The merchant is entirely unreachable. 

As of today, the merchants website XXXX no longer exists and displays a This store does not exist message through XXXX, indicating the business has shut down or disappeared. 

On XX/XX/year>, the same day the merchant claims delivery occurred, there were XXXX attempted charges on my credit card from unrelated merchants that I did not make. These transactions were declined and resulted in my card being replaced. I did not authorize these charges, and their timing strongly suggests my card information was compromised in connection with this transaction. 

I filed my first dispute on XX/XX/year>. It was denied. I filed the dispute again on XX/XX/year>, and it was denied again on XX/XX/year>. I filed once more on XX/XX/year>. Despite multiple filings, the dispute has been denied each time. 

There is no proof of delivery, the merchant is unreachable and no longer exists, the shipment originated from XXXX despite being advertised as XXXX, and fraudulent card activity occurred the same day as the alleged delivery. All relevant documentation, including tracking screenshots, proof of attempted merchant contact, evidence of the merchant website no longer existing, and screenshots of the fraudulent charge attempts, has been provided to the card company. 

I am requesting that this charge be reversed and that the dispute handling be reviewed for failure to properly consider evidence of non-delivery and merchant fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint against Affirm and its third-party debt collector, XXXX XXXX XXXX XXXX for fraudulent and deceptive debt collection and credit reporting practices. 

Affirm, through XXXX XXXX XXXX, is reporting inaccurate and unverified debts on my credit report for the following Affirm account numbers : XXXX, XXXX, and XXXX. 

During multiple phone calls, XXXX XXXX XXXX representatives stated that if I agreed to pay the alleged debts, the accounts would be removed from my credit report. This is a deceptive and misleading representation in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. 

Despite repeated requests, XXXX XXXX XXXX has failed to provide written debt validation for these accounts, including after agreeing to send documentation by email. This failure violates FDCPA 1692g, which requires proper validation upon request.

Affirm continues to furnish and report these accounts without ensuring accuracy or responding appropriately to disputes, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

I have requested supervisor escalation multiple times and received no response. The continued reporting of these unverified accounts is inaccurate, misleading, and harmful. 

I am requesting CFPB investigation and the immediate removal of all referenced accounts from my credit report, along with written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a former Wells Fargo customer and no longer reside in the United States. I have not lived in the U.S. for over two years.

I recently became aware of activity related to my Wells Fargo account that I do not recognize or authorize. I am concerned that my account may be compromised. 
I attempted to report this issue using Wells Fargos official fraud reporting email address. I received only an automated response and no assistance to secure or restrict my account. 
Due to my residence outside of the United States, I am unable to call U.S. phone numbers. Wells Fargo has not provided a reasonable remote method to freeze, secure, or close my account despite the potential fraud risk. 

I am requesting CFPB assistance to ensure that Wells Fargo : Immediately restricts or freezes the account Investigates potential unauthorized activity Provides a secure written process to resolve this issue and close the account if necessary

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent credit card accounts, unauthorized inquiries, and incorrect addresses that I did not open, authorize, or recognize. 

On or about XX/XX/year>, I identified several credit card accounts reporting balances ranging from approximately {$8000.00} to over {$19000.00}. These accounts were opened without my consent, and I have never had any contractual relationship with the lenders involved. 

My credit report also reflects addresses in states where I have never resided, which appear to be directly associated with the fraudulent accounts. In addition, there are credit inquiries from lenders I did not authorize. 

I promptly disputed these items with the credit reporting agencies and reported the identity theft. I provided documentation to verify my identity and requested removal of all fraudulent information. However, the inaccurate data continues to be reported, causing ongoing financial and credit harm. 

I am requesting immediate deletion of all fraudulent accounts, unauthorized inquiries, and incorrect addresses, and full correction of my credit file as required by federal consumer protection laws.

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 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally file a complaint against Bank of America Mortgage, regarding an unresolved issue related to mortgage loan application. 
On XX/XX/year>, I received conditional loan approval from Bank of America Mortgage. The escrow closing date was set to XX/XX/year>. Because the property being mortgaged is part of the XXXX XXXX XXXX Affordable Housing Program, timing on the closing was crucial. On XX/XX/year>, Bank of America sent loan information to their under-writing unit. The appraisal was ordered on XX/XX/year>. Property appraisal was completed on XX/XX/year>, and sent to Bank of America on XX/XX/year>. On XX/XX/year>, I received the closing disclosure from Bank of America and was informed that we are on track to close escrow on XX/XX/year>. On XX/XX/XXXX Bank of America informed us that they needed more time to review documents received from title company which required an extension of the closing date to XX/XX/year>. Please keep in mind that this information was provided to Bank of America near the beginning of the process. On XX/XX/XXXX loan was denied due to collateral. At this point, the sellers requested a per diem of {$83.00} per day, starting XX/XX/XXXX, for each day the closing is delayed. My realtor and I were originally informed that Bank of America would cover the per diem fee. This delay is a direct result of Bank XXXX XXXX failure to review the preliminary title report in a timely matter. I obtained a new lender and closed escrow on XXXX XXXX. The total amount of the per diem fee paid to seller is {$1200.00}. 
In the past several months Ive made several attempts to resolve this matter directly with Bank of America. Unfortunately, these efforts have not resulted in a satisfactory resolution. On XX/XX/year>, I was informed that they will not reimburse the fee as originally promised because they ended up denying the loan. This has created financial hardship as the per diem subsumed all the sellers credits received for minor maintenance needs for the home.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
The ATM withdrawal of {$180.00} occurred in Michigan, while I was physically present in California at the time of the transaction. I did not authorize this withdrawal, did not share my card or PIN, and had no knowledge of the transaction until after it posted. 
I reported the transaction promptly as fraud, provided all requested information, and filed a police report. Despite this, Cash App denied both my dispute and appeal without providing any evidence that the transaction was authorized by me. 
I reported the transaction to Cash App promptly after discovering it and clearly stated that the ATM withdrawal was fraudulent and unauthorized. I confirmed that I did not share my debit card, PIN, or account credentials with anyone, and that I did not conduct the ATM transaction in question. Despite this, Cash App denied my initial dispute and my appeal. Their responses consisted of generic denial language stating that no error was found, without providing any meaningful explanation, evidence, or documentation to support their conclusion. I specifically requested information required under Regulation E ( 12 CFR 1005.11 ), including : A written explanation of the basis for the denial, The evidence relied upon to determine the transaction was authorized, Details of how the investigation was conducted, ATM transaction logs, PIN verification data, or network review documentation. Cash App failed to provide any of this information. They did not supply transaction logs, PIN usage verification details, ATM terminal information, network-level findings, or proof that a reasonable investigation was performed. They also did not demonstrate compliance with Regulation E investigation or disclosure requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am filing this complaint against Discover Card due to its failure to provide required clarification and documentation related to a charged-off credit card account, resulting in inaccurate and potentially misleading credit reporting. 

Discover Card is reporting my account as charged off and written off on my consumer credit report, as reflected in my XXXX  credit report dated XX/XX/year>. This reporting indicates that Discover has treated the account as uncollectible or abandoned for collection purposes. 

Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, creditors are required to file IRS Form 1099-C when an identifiable event occurs evidencing the cancellation or discharge of indebtedness, including charge-off or cessation of collection activity. 

Despite this charge-off reporting, Discover Card has failed to : Provide a copy of any IRS Form 1099-C issued for the account ; or Provide written confirmation that no 1099-C was filed, along with the legal basis for continuing to report a charged-off balance. 

I submitted a formal written request to Discover Card seeking this information via email and certified mail. As of the date of this complaint, Discover Card has not provided a substantive response. 

Discover Cards continued reporting of a charged-off debt without transparency regarding its tax-reporting position raises serious concerns regarding : Accuracy and completeness under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Potential misleading or inconsistent reporting to consumer reporting agencies Ongoing consumer harm caused by unresolved and conflicting credit and tax treatment This complaint is filed to compel Discover Card to comply with federal reporting obligations and to correct or clarify its reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I got an alert on wells fargo that someone withdrawed money made in a branch. This wasn't me so I called wells fargo, and they recommended me to close that account number and reopen a new one. I changed my account number and filed a fraud claim to dispute the {$1400.00} that was withdrawed from my account. It wasn't me as this person got my information somehow including my state issue ID, the ID must of been forged, because I still have my ID on me. Fast forward to XX/XX/year>, wells fargo denied my request, and can not reimburse me due to the signature matching my signature on file, and them using my ID in the transaction. I made a police report with an active case number, but they still won't reimburse my money.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$400.00} through XXXX from XXXX XXXX, XXXX XXXX, New York to the XXXX XXXX ( XXXX XXXX XXXX ) from me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Bank account number in XXXX XXXX XXXX is : XXXX The transfer has remained in the status in transit and has never been delivered to the recipient. I also have not received any refund. 

I opened a formal investigation with XXXX on XX/XX/year>. XXXX closed the first investigation without resolving the issue. I later contacted them again, and they opened a second investigation with a XXXX timeframe. Despite this, the money is still in transit and has not been delivered or returned. 

I have made several attempts to resolve this matter directly with XXXX. They have failed to provide the service I paid for and have failed to refund my money. 

I am requesting a full refund of the {$400.00} that was never delivered, and a written explanation of what happened to my funds. 

The number of the transactions is : XXXX. 

Thank you I hope that problem will be solve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Vehicles was voluntarily repossessed because engine went out,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2026, I received notification from Bank of America that there was suspicious activity on my account. I immediately opened the application from my phone and disputed XXXX charges from XXXX XXXX XXXXXXXX XXXX XXXX XXXX  totaling {$2000.00}. The XXXX charges were {$1000.00}, {$500.00}, and {$500.00}. I received notification today ( XX/XX/XXXX ) that they were " unable to approve your recent claim ''. They stated " We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' After disputing the charges, I had the bank send me new cards which were received yesterday ( XX/XX/XXXX ). I have always had possession of the cards that can use this account and I did not make these charges listed above.

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 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America building in downtown XXXX is the only building in XXXX with burnt neon lights. Aside from being an embarrassment to a company with vast financial resources, the burned out sign also presents a branding problem and misleads the public with at least XXXX missing letters and other letters partially burned. The maintenance request was brought to the bank 's management team more than XXXX years ago only to be largely ignored.

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