vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud complaint because my account had been hijacked for almost the entirety of the benefits period. And my claim was denied with no explanation. I did not have control of my account and every attempt to gain control was not recorded

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding a sudden and disruptive credit limit action taken on my account. On Saturday afternoon, I received notice that my credit limit would be reduced by approximately 25 %, along with a demand that I make a payment of over {$4000.00} within less than one business day in order to maintain my current limit. This provided effectively no reasonable time to respond, especially given the timing over a weekend. I have maintained a strong payment history, have never missed a payment, and have consistently paid more than the minimum due. There was no prior warning or indication that such an action was imminent. As a result, I was placed in a position where I had to urgently attempt to liquidate funds on extremely short notice. This has created unnecessary financial strain and disruption, despite my record as a responsible customer. I contacted customer service via both chat and phone immediately upon receiving the notice, but no meaningful resolution or accommodation was offered. I am requesting : 1. A review of this adverse action and the process by which it was executed 2. Consideration of reinstating my prior credit limit, or at minimum providing a reasonable timeframe to respond to such requests 3. Clarification on what specific factors triggered this decision, given my consistent payment history This experience reflects poorly on customer communication and account management practices, particularly given the lack of reasonable notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX, I purchased a multi-leg international flight itinerary through XXXX totaling approximately {$1800.00} using my debit account. The itinerary included multiple airlines and destinations. A major segment of the trip ( operated by XXXX XXXX ) was canceled by the airline, which made the overall itinerary unusable. Because this was a connected multi-leg trip, the cancellation significantly impacted the entire travel plan. I initially contacted XXXX multiple times to request a full refund. They refused and stated that the airline would determine any refund. I was then advised to contact the airline directly. I reached out to XXXX XXXX, and they informed me that because the ticket was purchased through a third-party agency ( XXXX ), I would need to resolve the issue directly with the third party. This left me unable to obtain a refund from either party. Additionally, based on the airlines pricing for the canceled segment, the refund amount should have been significantly higher ( approximately {$800.00} or more ), yet XXXX only issued a partial refund of {$400.00}. I then requested that XXXX cancel the entire itinerary and provide a full refund, which was also denied. I filed a dispute with Chase on XX/XX/XXXX for services not rendered. Chase initially provided a provisional credit of approximately {$1400.00} ( after the {$400.00} partial refund ), but later reversed the credit and denied my claim, stating that the transaction was authorized. However, the issue is not authorizationit is that the service I paid for was not fully provided. The cancellation of a key segment rendered the itinerary unusable, and I was not provided a reasonable alternative or full refund. I made multiple good-faith efforts to resolve this directly with both the merchant and the airline but was unable to obtain a resolution. I am requesting that Chase reconsider my claim and restore the disputed amount of {$1400.00} for services not rendered. The reversal of the provisional credit has also created an immediate financial hardship, as these funds were intended for essential expenses including rent and school-related costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/XXXX, our company wired XXXX XXXX via XXXXXXXX XXXX XXXX ( XXXX, XXXX ) to a XXXX vendorXXXX XXXX XXXX XXXX XXXX through their Bank of America account . Transaction reference : XXXX, XXXX XXXX : XXXX. The following day, XX/XX/XXXX, the vendor 's representative sent a written email explicitly acknowledging receipt of the payment, confirming funds would clear within XXXX to XXXX business days. Despite this written acknowledgment, no products were ever delivered, no tracking information was provided, and all follow-up attempts were ignored for over XXXX XXXX. A formal legal notice was issued by our legal counsel on XX/XX/XXXX, demanding full reimbursement within 15 days. No response or refund has been received. This matter has been reported to the FTC ( Report No : XXXX ) and XXXX ( XXXX ID : XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding two denied dispute claims for a {$1000.00} charge that should never have been settled. On XX/XX/year>, my Cash App debit card was charged {$1000.00} at XXXX XXXX as a partial payment toward a purchase. The transaction was never completed the merchant confirmed the sale was cancelled, I received no goods, and I left the store with nothing. The merchant 's assistant manager provided written acknowledgment that the transaction/quote was cancelled. Despite this evidence, Cash App denied my dispute twice without adequate investigation. Under Regulation E, I am entitled to protection for unauthorized or erroneous electronic fund transfers. A charge for a transaction that was cancelled and never fulfilled confirmed in writing by the merchant constitutes an error that Cash App is obligated to investigate and resolve. I am requesting that the CFPB require Cash App to conduct a proper investigation and issue a full refund of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute fraudulent/Inaccurate information for a collection made on my credit report. The account is listed as JEFFERSON CAPITAL SYSTEM, account # XXXX has a charge-off collection for {$540.00} from XX/XX/XXXX - XX/XX/XXXX. I believe the transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such as XXXX, XXXX, and XXXX. I have never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off/collection balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Guild Holdings Company
State: OR

Complaint narrative:
This complaint is a follow-up and includes new evidence of dual tracking. On or about XX/XX/XXXX, I requested a VA buyback review from Guild Mortgage, and they confirmed a processing timeline of approximately two weeks. Despite this, foreclosure proceedings were initiated shortly after, which is a violation of CFPB prohibitions against dual tracking i was also intentionally steered by XXXX XXXX the loss mitigation officer towards liquidation with their preferred real estate company smart sale and have had my house listed with XXXX XXXX XXXX for over a month now. While only a few days ago I received a foreclosure avoidance packet and to contact HUD to arrange a meeting. I can provide the foreclosure documents upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Dispute of Unauthorized Debt Sent to Collections by XXXX XXXX I am submitting this complaint regarding an unauthorized debt that has been sent to collections by XXXX XXXX ( XXXX ). While contacting XXXX to update my internet service due to a move, I was repeatedly offered XXXX XXXX by the representative. I clearly declined and stated I would consider it at a later time. Despite this, a mobile account was created without my knowledge or authorization. I never activated, used, or agreed to this service. I later noticed charges associated with this unauthorized account and contacted XXXX customer service. I was assured that the issue had been resolved. However, I subsequently discovered that my card had been charged, which I disputed with my bank. Now, I have received notices that this unauthorized account has been sent to collections. This is deeply concerning, as I did not authorize this account and should not be held responsible for any related charges. This appears to be a case of unauthorized account creation and billing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I paid off my capital one credit card ( > {$9000.00} ). I closed the account on the same day. Now in XXXX I have been charged and interest rate after paying off my balance and closing the account with a late fee. It is u fair to a customer who have never missed payment and I was not aware that interest rate was being charged daily. I was misinformed all along. Capital one bank credit misinformed me about this. I would like to make a formal complaint about this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ; ( XXXX ) XXXX and I purchased a XXXX XXXX XXXX XXXX phone. On XX/XX/XXXX, I received a phone call from a female stating she was from the boost mobile fraud department. She requested my email address and stated someone was attempting to order XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I provided her with my email address and she hung up. I immediately contacted XXXX XXXX and requested there fraud department and the representative lecture me about giving out my personal information. I was advised that XXXX XXXX fraud would not contact you by phone. The purchase price was {$620.00}. I received an alert on my phone that there was an attempted purchase for clothing. I immediately contacted my bank to stop transaction of {$56.00}. So the bank placed a stop payment and reverse the charge of {$56.00}. I reported this issue to XXXX on XX/XX/XXXX advising I never placed order for the XXXX XXXX XXXX. I saw the address where phones were being delivered and that was : XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX. XXXX XXXX XXXX. I advised XXXX & XXXX that I did not make this purchased and they are not listening. XXXX has sent me to collections with True Accord trying to collect {$580.00} that I do not owe. So XXXX XXXX stated that I was responsible for the fraud because I provided my email address to the lady that claimed she was calling from XXXX XXXX Fraud Department and XXXX XXXX XXXX in return took the {$56.00} from my bank account and paid it to XXXX. This has been a nightmare because I told them I didn't place that order and they still shipped the items and holding me responsible for paying back {$580.00}. I would like to also be reimburse for my {$56.00} that XXXX XXXX XXXX returned to XXXX. I also asked XXXX XXXX to trace this transaction and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This is a follow-up to my previous complaint ID # XXXX submitted on XX/XX/XXXX. The bank denied my dispute on XX/XX/XXXX ; however, this decision was made before critical new evidence became available. Since that time, XXXX has completed its investigation and ruled fully in my favor, closing the loan associated with this transaction. This is a key independent determination that was not considered by the bank and directly impacts the validity of their decision. The transaction involves products that remain completely unopened and services that were never rendered. I contacted the merchant within the stated 14-day period requesting return instructions, but no clear or actionable instructions were provided. Additionally, I was not provided with any clear or transparent pricing breakdown at the time of purchase. The productstwo eye creams, one serum, and a small devicewere sold as a bundled package without individual pricing. The receipt itself contains inconsistencies, including listing products at {$0.00}, which makes it impossible to verify what I was actually charged for. Based on my research, the total amount charged appears significantly inflated compared to the market value of similar products, raising serious concerns about pricing transparency and potential misrepresentation. I am concerned that the initial investigation may not have fully considered all relevant facts. I am requesting that the bank reopen and reconsider my case in light of this new evidence and conduct a fair and complete review.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
back on XX/XX/year>. Someone use my personal information without my consent to gain access to my Capital One account and open a savings account and authorize the transfer of {$2800.00} from my linked external checking account over to the savings account. I reported everything right away, The account was frozen and under an investigation and I was told repeatedly that we are working on getting the money sent back to my XXXX account. Nearly XXXX months later I noticed that he withdrawal was a made on XX/XX/XXXX for the full amount, and the bank is refusing to tell me where the funds went and would not reimburse the money back to me even though it was sitting it in capital ones accounts for many months. This is not how customers should be treated and this is borderline theft, they refused to give me my money back and will not tell me where the money has gone. I have also submitted a claim with XXXX but they can not credit me back because I commonly do business with capital one, the denial letter is attached to this. I also have an identity theft police report attached stating everything I have described in this form.

Company response to consumer: Closed with explanation