vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing to dispute accounts that are reported on my consumer credit report referenced below that are a result of Data Breach or Fraud and any unauthorized inquiries also I demand verifiable proof bearing my signature. I am sending this letter on my behalf, not from a 3rd party, so please read it carefully. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: CITIBANK, N.A.
State: TX

Complaint narrative:
We have been traveling and still paid the statement balance in full for months, they have sent a new card to this new address on file, we called to activate and now account is locked, havent used the Citi Thank You Mastercard account in over ( XXXX ) weeks for any purchases, paid off the last statement- XX/XX/XXXX- in full, yet they claim over XXXX is owed yet will not allow us the account statement for all charges only a balance due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing regarding alleged accounts reported on my credit file by your company, Portfolio Recovery Associates, specifically : Account ending in XXXX Account ending in XXXX I dispute these accounts in their entirety. I have no knowledge of these debts, and I have never received proper documentation or verification that these accounts belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide full validation of these alleged debts. This includes, but is not limited to : Proof that I am legally obligated for these accounts A copy of the original contract or agreement bearing my signature Complete account history, including charges and payments Documentation showing your legal authority to collect on these accounts Additionally, I note that these accounts are being reported twice on my credit report as separate accounts. This may constitute inaccurate and misleading reporting under the FCRA. As I have previously disputed these accounts and have not received proper validation, you are now required to : Cease all collection activity immediately Cease reporting these accounts to all credit reporting agencies Remove any inaccurate or unverified information from my credit file If you are unable to provide proper validation, you must delete these accounts from my credit report. Failure to comply with these requests will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as consider legal action for violations of federal law. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 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: Plastiq Inc.
State: NC

Complaint narrative:
I did XXXX times dispute with the charges through my bank XXXX XXXX as well. I contact the company themselves by emails. They do not want to refund me. They provide me with product which is not what they describe in the system as well. The whole transaction was done by mistaken with somebody work with me. We cancel it in the same minute. We contact them in the same minute they delivered the items next day, which was not close boxes. It was open boxes, which mean these products can not be sell as new items. I offer them to return the items and refund me. They deny it. I offer them to pay some of the price not the whole price because the deal is not fair, they deny it the bank was not helpful to do the dispute. As well when the company get my XXXX information, they add more charges to the transaction without my permission which was not cleared out in their description. They had so much fee 's they add without my permission. I do not proceed with that I deny it I cancel it the same minute And they are not helpful. I need your help. It is serious the amount its around {$4000.00}. These company they are scammers.they have very bad reviews in XXXX. I do not know them before we need to help to stop them from their actions. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: NJ

Complaint narrative:
I needed a loan because my car broke down. So I went through XX/XX/XXXX website to prequalify for a {$2500.00} loan. XX/XX/XXXXwebsite sent me to a third party website that sent me an offer for {$2700.00} it didn't have the terms of the term only the amount. I wasn't aware of the 500 % interest rate on this loan. If I would have been aware from the beginning I would have never took the offer. Why would I want to pay {$13000.00} in interest payments for likes I an of {$2500.00}. It doesn't make sense. I didnt see that until after I made my first payment. Because there website didn't update until after I made my first payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: Chime Financial Inc
State: PA

Complaint narrative:
i discovered i was a victim of identity theft on XX/XX/year>2026 when i noticed a fraudulent Chime transaction on my Members 1st checking account. i called chime to report the issue and they were not helpful at all. i immediately reported to M1st and their fraud team. they assisted with closure of my account and recovered the funds from the fraudulent Chime transaction. i called again on XX/XX/XXXX to report the fraud and request closure of my accounts. i continue receiving account notifications from Chime, suggesting the account is still active. i submitted a written inquiry to request the account be closed on XXXX XXXX i am submitting this grievance as a cautionary measure. i will not be held financially responsible for any fraudulent, unauthorized transactions on the Chime credit and debit card that were opened by a perpetrator of an identity theft that was immediately and promptly reported to my financial institution. this Chime company is very dishonest with its business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding a collection account being reported on my credit report that has not been properly verified. This account originated from XXXX XXXX XXXX and was reportedly sold to Midland Credit Management. I previously disputed this account with the credit bureaus, and it was marked as verified. However, no documentation was ever provided to support this verification. To date, Midland Credit Management has failed to provide : - Proof of legal ownership or chain of assignment from XXXX XXXX XXXX - Any original signed agreement - A complete payment history - Documentation supporting the balance being reported Additionally, the original creditor, XXXX XXXX XXXX, is still reporting a charged-off account while Midland Credit Management is also reporting a collection for the same debt. This raises concerns of duplicate and potentially inaccurate reporting. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. Reporting a debt without proper documentation and verification is a violation of federal law. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my experience at your XXXX, California branch located at XXXX XXXX XXXX on XX/XX/year>, at approximately XXXX XXXX. I visited this location to cash a check issued by XXXX XXXX XXXX ( Check No. XXXX ) in the amount of {$450.00}. I presented a valid California drivers license that matched the name on the check, XXXX XXXX XXXX, which reflects my commonly used name, although my full legal name includes XXXX. The teller who assisted me, XXXX XXXX, refused to cash my check, stating that the absence of XXXX on the check made it invalid. I have never encountered this issue before despite cashing numerous payroll checks under the same name. During this interaction, I experienced dismissive and unprofessional behavior, including visible frustration and a lack of clear explanation. When I escalated the matter, Financial Center Manager XXXX XXXX advised me that I would not be able to cash the check at any Bank of America location under these circumstances. This statement was proven incorrect. Within minutes of leaving that branch, I visited your XXXX, California location at XXXX XXXX XXXX, where I presented the same identification and check and was able to cash it without issue. This inconsistency raises serious concerns regarding the application of your policies and the treatment I received at the XXXX branch. Given the circumstances, including the contradictory information provided, the unprofessional conduct displayed, and the overall experience, I am concerned that I may have been subjected to unfair or discriminatory treatment. This situation caused unnecessary inconvenience, embarrassment, and XXXX. I am requesting a formal investigation into this matter, including a review of employee conduct, adherence to company policy, and the discrepancy between branch decisions. I also request a written explanation of your policies regarding name discrepancies on checks and identification. Additionally, due to the inconvenience, distress, and time lost as a direct result of this incident, I am formally requesting appropriate compensation. If this matter is not addressed adequately, I am prepared to escalate my complaint to the appropriate regulatory agencies, including the Consumer Financial Protection Bureau, and to explore further legal options if necessary. I would appreciate a timely response and resolution to this matter. Sincerely, XXXX 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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a cryptocurrency fraud case involving multiple platforms, including Coinbase, XXXX, XXXX, XXXX, and XXXX. Between XX/XX/year> and XX/XX/year>, I was the victim of a cryptocurrency investment scam followed by a recovery scam. I was initially contacted via XXXX and later communicated through XXXX. I was instructed to download an application presented as EToro ( XXXX XXXX XXXX ), which I later determined to be fraudulent. All funds originated from my XXXX XXXX XXXX account and were transferred to Coinbase, XXXX, and XXXX. These funds were then converted into cryptocurrency and sent to external wallet addresses controlled by the scammers. The wallet addresses include : - XXXX - XXXX Small amounts ( approximately {$100.00} and {$120.00} ) were received prior to larger transfers, which created the appearance of legitimate activity. Based on this, I proceeded to transfer larger amounts to the same wallet addresses. Despite multiple high-value transfers to the same external wallet addresses, no warnings, transaction holds, or risk alerts were applied by the platforms. XXXX indicated a likelihood of fraud and stated they would cooperate with law enforcement if contacted. Current status : - The case is under mediation with the State Attorney Generals office - An FBI XXXX complaint has been submitted- I have not received follow-up from local law enforcement - Exchanges indicated they will respond to formal law enforcement requests Case documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that this case be reviewed for potential failures in fraud prevention, transaction monitoring, and consumer protection obligations. Approximate total transferred from my XXXX XXXX XXXX account and ultimately sent to external wallet addresses : {$130000.00} USD. Breakdown of transfers : Coinbase : {$10000.00} + {$9900.00} + {$2200.00} + {$10000.00} + {$3900.00} {$3700.00} XXXX : {$5000.00} + {$2200.00} + {$17000.00} Crypto.com : {$20000.00} + {$100.00} + {$120.00} + {$3300.00} + {$43000.00} + {$7000.00} + {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: CA

Complaint narrative:
The mgr of the XXXX XXXX office keeps wanting me to send him money to get atm card XXXX XXXX gas already received XXXX. XXXX The acct is under XXXX XXXX and XXXX XXXX This month he had me send him XXXX to receive ATM card. Saying he put my name on the on the account.. Now he wants another XXXX. Before he releases the ATM cards. Hes not putting the money I have already sent him back in the acct. I want him to release and send us the cards as promised with no extra charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Complaint Against American Express for Account Closure and Loss of Rewards Points I am submitting this complaint against American Express regarding the closure of my credit card account and the forfeiture of XXXX Membership Rewards points that I had accumulated. I maintained a strong payment history and consistently made on-time payments. While overseas, my automatic payments failed for a limited period due to being out of the country and my account was closed. As soon as I returned, I immediately paid off my full balance. My account even showed a credit balance owed back to me. Despite resolving the balance in full, American Express closed my account and confiscated all of my accumulated rewards points without warning or reasonable resolution. I made multiple attempts over several months ( over a year ) to contact American Express to resolve this issue, with my last attempt on XX/XX/2024. I was unable to reach a meaningful resolution. These points held significant personal value, as I had been saving them specifically for my future wedding and honeymoon ( happening in a few months time ). Given my good-faith efforts to resolve the situation and my prior responsible account history, I believe this action to be unfair and disproportionate. I am requesting that American Express restore my forfeited rewards points or provide appropriate compensation. Thank you for your assistance in reviewing and addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Under consumer law ( 15 U.S.C. 1681c-2 ), if a debt is not verified to be legally collected on or be able to prove I own as myself own the debt currently by providing the original contract from the original creditor, any and all debt must be removed from all credit reports within four business days or for each violation of this law I am owed {$1000.00} dollars per each violation. Remove within four business any and all negative items off of my credit report. If consumer law ( 15 U.S.C. 1681c-2 ) is not followed I will be taking legal action after the four day time limit that's legal allowed to have all negative items removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime has an overdraft portion called spot me and at the end of the month they dropped my spot me potion back down and I had to get other people to send me a spot me credit to raise it back up but if they dont send it then I just loose my money due to the fact that at the beginning of the month they drop it down. So if other participants from the app dont send me what is called a boost the I just loose my overdraft money. They also charge me for using out of network fees so Im being charged from the ATM and the Chime card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MO

Complaint narrative:
I have requested several documents from CASH APP regarding transactions, requested a detailed report of where my stock account investments went, and IRS information that was sent stating I owed taxes. I had reported several transactions that I didn't not received in my account. I requested several times for a live agent to call or a number it was not a person. It was an automation. I email and requested proof and providing documents that the information that was showing in my account and what my balance showed was incorrect. I have also had issues with stock that I purchased through the app. I had selected to cash out my stock and shortly after my request they said the management for the stock had changed ( XXXX XXXX ) in both CASH APP ACCOUNTS and they never responded with nothing. I did speak with a rep and they assured the balance I was showing was correct. {$2.00} and explained that I had a different balance amount in my account. After the merge of the ( XXXX XXXX ) I requested to cash out and it showed an available ( {$560.00} ) and after I cashed out I never received the funds. I reached out again to CASP APP SUPPORT they told me to check with my banking institution. Several attempts were made and there was no follow up or call back response. I explained to the rep at CASH APP is when my account changed and I could not cash out shares. The representative at CASH APP told me reach out to XXXX XXXX and my other stock concerns and they can help me. CASH does not broker for other companies. I requested proof the information that they sent to the IRS regarding the taxes that I owed and the balance I had was incorrect. I had to go through several audits and resulted in having to pay tax preparer for extra hours and also owing taxes. They still did not show proof of several transactions being paid out. However, after going through audits, I had to the tax preparer to help reconcile 12 months of transactions and payments for help, which cost me {$120.00} an hour for over 10 hours and refiling additional paperwork and addendums. I still owed XXXX XXXX in taxes because of what was reported. This was XXXX and XXXX year for CASH APP. After the IRS stated their office sent over a letter to CASH APP, CASH APP, then blocked my account for fraudulent and improper use of account. I lost my stock from both accounts and I was never given a direct explanation or the option to request my funds for deposit. I even sent over the XXXX files I was able to print off from the sight. I had to request those the customer rep stated that is all he had access to.

Company response to consumer: Closed with explanation