vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
My Cash App account and Cash App Card were recently deactivated. I received an email stating that my Cash App Card was deactivated and that any future paychecks sent to my account would be returned. I have had this account for approximately three years and have only used it for normal personal transactions such as sending money to friends or helping with personal expenses. When I contacted Cash App support through both chat and phone, I was told that my account violated their Terms of Service. However, no representative was able or willing to explain what specific action or transaction violated their policies. I was simply told that the decision was final. The only transaction that may have been misunderstood was a payment I sent to a friend to help them pay a pawn shop loan payment. In the payment note I wrote {$100.00} for food and {$140.00} XXXX loan payment. This wording referred to helping a friend make a loan payment on an item held at a pawn shop. I was not purchasing, selling, or transferring a firearm or any restricted item. It is possible that this wording was misunderstood by an automated system reviewing payment notes. If so, I respectfully request that Cash App review my account activity in full context. Cash App has refused to provide any explanation or details regarding the alleged violation, leaving me unable to understand or dispute their decision. I am requesting that Cash App provide a clear explanation of the alleged violation, review the closure of my account, and reinstate my account if the closure was made in error. During my contact with Cash App support, I was advised to ask a family member to link their debit card to my account in order to withdraw funds. This instruction was concerning because it involves another persons financial account and did not seem like an appropriate or secure solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 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: Cedars Business Services, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. Fraudulent credit cards accounts and or credit accounts were opened in my name with CEDARS BUSINESS SERVICAccount # : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} - XXXX XXXX Account # : XXXX Date XXXX Balance : {$2400.00} - XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} - without my knowledge or authorization. These accounts are appearing on my credit report FRAUDULENTLY. and I have no knowledge of thess accounts, its charges, or any payment activity associated with it. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report XXXX, dated XX/XX/XXXX ). I have also submitted a formal written dispute to all three major credit bureaus ( XXXX XXXX XXXX XXXX ) invoking my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which requires the bureaus to block fraudulent information within 4 business days of receiving a valid identity theft report. Despite this, the fraudulent account continues to damage my credit and financial well-being. I am requesting that the CFPB investigate this matter, ensure that XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX properly close and flag these accounts as fraudulent, and that all three credit bureaus comply with their legal obligations under FCRA Section 605B to block and remove this item from my credit report immediately. I am seeking full removal of thess accounts from all credit reports and written confirmation from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the credit bureaus that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
Due on XX/XX/XXXX, I received a toll violation notice from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) requesting payment in the amount of {$390.00}. At that time, I did not have the full amount available to pay. I contacted their office and spoke with a representative named XXXX, who adjusted the balance to {$240.00}. I informed her that I would be paying the adjusted amount soon ; however, at no point during that conversation was I informed that there was a specific deadline to pay the adjusted balance. Unfortunately, the bill was later overlooked. On XX/XX/XXXX, I received a letter from Professional Account Management ( PAM ) stating that the account had been sent to them and that I owed {$1500.00}. I contacted them that same day, and they informed me that I had 30 days to dispute the amount, which they claimed was the balance sent to them by XXXX. When I called XXXX regarding this discrepancy, the representative directed me back to PAM, stating that the account was now entirely under the collection agencys control. On XX/XX/XXXX, I sent a formal dispute letter to Professional Account Management ( PAM ). In the response letter I received from them on XX/XX/XXXX, the agency requested documentation for the original toll charges. On XX/XX/XXXX, I provided all documentation I had received from XXXX, including the final notice showing the original violation amount of {$390.00}. In my correspondence, I also expressed my willingness to pay that original amount ( {$390.00} ) to resolve the matter. Despite providing this documentation, the collection agency sent another notice on XX/XX/XXXX, for the same amount of {$1500.00} that I have been disputing. They have failed to acknowledge or respond to my most recent letter, which was sent via certified mail on XX/XX/XXXX. I am requesting that the balance be corrected to reflect the original toll violation amount of {$390.00}.

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 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was going through a time in life where we needed to bury my grandfather due to the capital one saviors card i use it to pay for funeral expenses. I never got back to the card i totally forgot about it. Called capital one cause i did not have access to my account no more they blocked me from my capital one account. Leads to me never paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: LA

Complaint narrative:
They changed me {$1500.00} and haven't done anything to repair my credit as promised and have been charging me {$60.00} a month without even telling me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report what I believe may be unfair, deceptive, and potentially fraudulent billing practices by Synchrony Bank / CareCredit regarding my account. Despite having my payments set up on automatic payment, Synchrony Bank repeatedly charged me late fees, interest, and other penalties. When I contacted them for clarification, I was told that my payments were processed late due to weekends or nonbusiness days, even though the payments were scheduled and authorized well in advance. Because of these alleged delaysdelays entirely outside of my controlI was charged fees and interest that should not have been applied. This is especially concerning because my promotional plan included six months of interestfree financing, and these improper charges caused me to lose that benefit. As a result, I was forced to pay an additional {$190.00} in fees and interest. I believe this conduct raises serious concerns, including : Charging late fees when payments were set to automatic withdrawal Blaming processing delays on weekends/holidays while still penalizing the consumer Undermining the terms of a promotional interestfree period Potentially deceptive or unfair business practices under state and 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 monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I made police report back when all this was happening I told them the company it was not me. I sent all my information to the credit card company IXXXX XXXX police report they took it off. Now I have blittandgaines saying they suing me when I never received anything in the mail saying they provided me court days I never received anything From them. They stated they gave the information to little XXXXXXXX XXXX under age XXXX, around that time. I am not a XXXX I am XXXX who is XXXX XXXX XXXX right now. I sent them police reports and lease showing I wasnt at that address that was my mailing address because I was really homeless. And right now they are taken money out my check and I am receiving XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Chime Financial Inc
State: CA

Complaint narrative:
I got an email from Chime on XX/XX/year> that my account was closed. I didn't understand why, and then after a few weeks I received a new credit card issued by Chime ( with a mail forwarding service I requested from the XXXX ) someone opened a new account in my name using the address I moved from 1 year ago. I asked them to fix my personal data on the account, and close it. I experienced a credit card fraud about a year ago ( someone opened another credit card in my name with XXXX ), and I froze my credit report back then. So, the person who created a new account for me couldn't issue a credit card in my name because of the credit freeze I imposed. Yet, they did issue a debit/secured credit card. After, I recovered access to my account, I realized that they had been using it for almost XXXX XXXX for various transactions mostly some online casino or sports betting platforms. I asked Chime to close the accounts but they couldn't because there was some balance on the card and if they closed it, the check would go to my old address, and, potentially, to the person who was conducting the fraud. So, I updated the address to my current one & froze all cards I had on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: IDAHO CENTRAL CREDIT UNION
State: TX

Complaint narrative:
A fair resolution would be for Idaho Central Credit Union to provide a written explanation of how a balance of {>= $1,000,000} was reported on an auto loan with an original balance of approximately {$28000.00}. I am requesting confirmation of what error or failure in reporting procedures caused this balance to be furnished to the credit bureaus and what steps have been taken to ensure that inaccurate information is not reported again. I am also requesting that Idaho Central Credit Union review the current reporting associated with this account and provide full documentation supporting the deficiency balance that is now being reported following repossession of the vehicle. If the current balance or reporting can not be fully verified and supported with documentation, I am requesting that the account be corrected or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
CASE TYPE : URGENT APPEAL OF FRAUD DENIAL & ILLEGAL CREDIT REVERSAL. AMOUNT IN DISPUTE : {$49000.00} ( Original Claim ) + {$6600.00} ( Clawed-back Provisional Credit ). THE INCIDENT : On XX/XX/XXXX, American Express denied my fraud claim stating " our previous decision stands. '' On XX/XX/XXXX, Amex removed a previously issued provisional credit of {$6600.00}. This is an immediate appeal of that decision. THE PROCEDURAL ERROR : The " previous decision '' referenced by Amex was rendered without reviewing mandatory federal evidence that was inadvertently routed to a decommissioned fax line/portal during the initial submission. Therefore, the previous decision was based on an incomplete file and is legally invalid. The " XXXX XXXX '' rationale relies on the premise that a " XXXX XXXX '' equals " Authorization. '' This is legally incorrect. Possession of my username/password allowed a hacker to access my saved profile, but access does not equal authorization. THE PHYSICAL POSSESSION DEFENSE : I possess the physical credit card. For any transaction flagged as " In-Person '' or " Service Establishment, '' Amex is relying on " Chip Security '' or " Merchant Logs '' to prove my presence. However, I was physically in possession of the card at the time of these charges. Therefore, these transactions were executed via cloned hardware ( XXXX XXXX ), not by me. Amex can not use " XXXX XXXX '' to override the fact that I hold the original card. THE VIOLATION : Amex ignored mandatory federal evidence submitted on XX/XX/XXXX : FTC Identity Theft Report ( Ref # XXXX ) : Per 15 U.S.C. 1681e ( k ) ( 1 ), this carries the full legal weight of a police report. It is prima facie evidence of identity theft. XXXX XXXX XXXX XXXX : Documenting my XXXX ( XX/XX/XXXX ). By denying this claim without reviewing this evidencespecifically the XXXX explanation for the timelineAmex is violating the Americans with XXXX XXXX ( XXXX ). THE DEMAND : Immediately reinstate the provisional credit of {$6600.00} that was removed. Re-open the investigation for the full {$49000.00}. Escalate to the XXXX XXXX. The standard " XXXX XXXX XXXX '' team failed to review the evidence and incorrectly applied " XXXX XXXX '' logic to a shimming/XXXX case. I am unable to resolve this via phone as representatives ignored the XXXX documentation and failed to understand the physical possession doctrine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account sold to a third party company and so i requested documentation about accuracy of records regarding the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: NJ

Complaint narrative:
I am submitting this complaint regarding a transaction in the amount of {$580.00} charged by XXXX on XX/XX/year>. I returned the items in person on XX/XX/year> to the merchants store located at XXXX XXXX XXXX, XXXX XXXX XXXX within the merchants stated return policy. The merchant accepted the return and issued a confirmation email stating Your return is confirmed, which includes refund details indicating that {$510.00} would be refunded to my American Express card ending in XXXX. Documentation of the return confirmation and return receipt has been provided to American Express. I have reviewed the merchants response during the dispute process, and it incorrectly references a return by mail. This statement is inconsistent with the documentation submitted. The return was not completed by mail ; it was completed in store, as shown on the merchants own return confirmation email and return documentation identifying the store location at XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX and the return date of XX/XX/year>. The documentation clearly establishes that the merchant accepted the returned merchandise at the store location and confirmed that a refund would be issued to my American Express card. Because the merchant accepted the returned merchandise and confirmed that a refund of {$510.00} would be issued to my American Express account, the merchant can not retain both the returned items and the payment. Despite the merchants written confirmation that the refund would be issued to my card, no such credit has appeared on my account. I therefore respectfully request that American Express conduct a reasonable investigation and issue a permanent credit of {$510.00} if the corresponding refund transaction can not be located. Because the documentation establishes that the merchandise was returned and accepted by the merchant yet the corresponding refund has not been credited, this constitutes a billing error under the Fair Credit Billing Act and requires a reasonable investigation and correction by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have over {$6000.00} in unauthorized charges from XXXX, an offshore site which I believe processed illegal gambling deposits, on my Chase credit card. The charges are approximately {$2000.00} each and have appeared over the past two weeks. I attempted to dispute these charges as unauthorized through the Chase app and was not given the option to classify them as fraudulent. The app forced me into a workflow that did not allow me to properly characterize the transactions. Chase then directed me to call, rather than allowing me to submit my dispute in writing. I submitted review requests on their website, and have not received a timely response. This is completely unacceptable. Chase is accepting purchases to my credit card from illegal offshore gambling websites and not identifying and reversing the charges. I have locked my card, but the damage is already done. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I have the right to dispute charges in writing. Chase 's app and processes are effectively preventing me from exercising that right by funneling me into a phone call and restricting how I can categorize disputed transactions. I am requesting that Chase : 1. Investigate and reverse all XXXX charges on my account. 2. Block XXXX as a merchant on my card. 3. Accept and process written disputes without requiring a phone call. Desired resolution : Full refund of all XXXX charges and merchant block applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Unauthorized Withdrawal, Misrepresentation of Credit Card Terms, and Request for Refund To Whom It May Concern, I am writing to file a formal complaint regarding my credit card account with U.S. Bank. When I opened this credit card account at the branch located at XXXX XXXX XXXX, XXXX, CA XXXX, the bank teller informed me and clearly promised that the account would include rewards and a XXXX XXXX interest promotional period. However, shortly before the one-year mark of the account, the bank began charging interest and additional fees that were not consistent with what was promised to me at the time the account was opened. The account was also charged over-limit fees even though my balance did not exceed the credit limit. I contacted customer service multiple times to request that the bank review the account and honor the original terms that were promised when I opened the account. Customer service representatives refused to waive the fees or correct the interest charges. I also attempted to contact the branch where the account was opened to speak with the bank XXXX, but my calls and messages were not returned. Additionally, on XX/XX/year>, a payment of {$1500.00} was withdrawn from my money market account without my authorization. The credit card department claims that I authorized this payment, but I did not authorize any such withdrawal. This unauthorized transfer has caused me significant financial hardship. I respectfully request the following : A full investigation into my credit card account and the terms that were promised when the account was opened. A refund of the unauthorized withdrawal of {$1500.00} from my money market account. Removal and refund of any improper interest charges and over-limit fees applied to my account. Written confirmation of the outcome of this investigation. I believe the bank has failed to honor the terms that were represented to me and has processed a withdrawal from my account without my permission. I request that this matter be resolved as soon as possible. The bank has refused to help me and by filing a claim on my behalf and the fail to file my fraud claim thru my insurance on my bank account as they promised me when I open my bank account. If this issue is not resolved promptly, I will consider filing formal complaints with appropriate financial regulatory agencies. Sincerely, XXXX XXXX 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 2026-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Thrift Investment Corp.
State: NJ

Complaint narrative:
I requested a payment deferment from the company due to financial hardship and was informed by their representative that my request was approved. I was told that my payments would be deferred and that my account would not be reported as late during the approved hardship period. Despite this agreement, the company reported late payments to the credit reporting agencies during the time my deferment was in effect. This reporting is inaccurate because I followed the instructions given to me and relied on the companys approval of the deferred payment arrangement. As a result of these incorrect late payment reports, my credit score has been negatively impacted, and lenders now view my credit history as delinquent, which has caused me financial harm. I am requesting that the company investigate this matter, correct the inaccurate late payment reporting, and update all credit reporting agencies to reflect the approved deferment agreement.

Company response to consumer: Closed with explanation