vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 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: Zip Co US Inc.
State: CT

Complaint narrative:
I am filing this as my third complaint regarding a duplicate charge error by Zip related to an XXXX purchase in the amount of {$330.00}. XXXX has confirmed in writing that I only placed and received XXXX order for {$330.00}. I am attaching screenshots as evidence. Despite this confirmation from the merchant, Zip continues to bill me for a duplicate transaction and has failed to correct the error. Zip previously responded to my complaint but did not meaningfully address the documentation provided. Instead of correcting the duplicate charge, they closed the complaint and continue to treat this balance as valid. I have also been notified that the account may be sent to collections, which is extremely concerning given that this balance is disputed and supported by merchant confirmation. This matter has caused unnecessary stress and risk to my credit. I am requesting : Immediate removal of the duplicate charge. Written confirmation that this account will not be sent to collections. Confirmation that no negative credit reporting will occur related to this disputed and erroneous charge. I am submitting clear proof from XXXX showing only XXXX valid order for {$330.00}. Zips refusal to correct this error despite merchant confirmation demonstrates a failure to properly investigate a disputed billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I reached out to AMEX several weeks ago about canceling my card & requested a prorata refund on the annual fee for the XXXX card. I had not finished the year out & wanted part of my annual fee back. My only option was to transfer that remaining fee to another credit card under AMEX. I did not want to get another credit card & again requested the prorata refund on the annual fee. I was told by an agent that they were not required to return the funds & all I could do was to get another credit card at AMEX. I attached a copy of a the XXXX XXXX AMEX rules on closing the account XXXX XXXX AMEX customers receive a prorate refund. I believe it is tremendously predatory of AMEX to just take the rest of my annual fee. I requested numerous times a complaint be filed & that a copy of said complaint be sent to me. The AMEX agent ended up leaving the instant message chat without ever sending me the complaint I had made on this matter. I then emailed XXXX XXXXXXXX XXXX office ( my Senator in XXXX ) about this matter & they referred me to this website. Please look into the predatory practices of AMEX. They should not be able to pocket my unused annual fee if I do not choose to open another card with them. Thank you! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-03 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: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Fidem Baltimore Holdings LLC
State: PA

Complaint narrative:
Ignite credit card No email response Online account was locked and I want to make a payment so my credit doesn't suffer.... I've been calling customer service XXXX for days ... says call can not be completed application error..... phone number no good and no email response.... I have no way to contact them.... don't know if they went belly up..... I need to hear from them or someone so I can pay them.... Thank you.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have not order anything on my account and I have not purchased anything from the stores that was send to my address. I never ever even got a notification on my end and Bank of America denied my fraud because it was delivered to my address but I never order anything and also there are credit card transactions that wasnt purchased by me

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: PA

Complaint narrative:
This is now the second time I have filed a complaint with the cfpb concerning discover banks Bank 's methods of allowing people to use their funds. This is now the second time in 30 days where discover has prevented me from using my own money to find my XXXX bet account or my XXXXXXXX XXXX sportsbook account. I need to remind you I am responsible for my own money in the state of Pennsylvania. I'm allowed to gamble on sports. Therefore discover should not prevent me from allowing me to use my own XXXX money. I literally can not even sign into the account. Most accounts you're able to sign into on the XXXX or XXXXXXXX XXXX Discover is not even giving me the option to sign in. As you can see in the screenshot they purposely allow their system to time out so they don't have to accept my login credentials even though my login credentials are correct because it's my XXXX money

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

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
im writing because ally finacial has not fixed my account because I do not owe for XXXX ive made that payment in the repossession fee I have my proof on my account I only owe XXXX for XXXX which is this month

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: SD

Complaint narrative:
I help friends & relatives and use CashApp for my transactions. CashApp has been charging me a fee upfront before I even have the opportunity to choose on how I want to receive the funds, e.g., instant for a fee OR recommended for no charge & receive the funds XXXX days later. XXXX latest examples : XX/XX/year> XXXX proceeds {$300.00} ; recd {$290.00} XX/XX/year> XXXX proceeds {$1300.00} ; recd {$1200.00} Both examples I chose the recommended option but still charged a fee. CashApp rep states CashApp doesn't take fees and check with my bank or the senders bank. We did visit with both banks & they don't charge fees for CashApp transactions. Attempted to call CashApp back to talk to a manager but not taking my calls. These unauthorized fees been going on for past couple years and I'm requesting an audit of my CashApp account and a refund of the unauthorized fees.

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

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CO

Complaint narrative:
I was using this card as a way to not overspend. And unfortunately, it wasnt super accurate when it came to spending money so you might overspend, but as well as I received multiple phone calls over the balance on the card and they called me every single day until I paid it, but they have been sending me emails left and right up until that point so today I decided to just close the account because I dont see it really useful for me anymore as well as the constant phone calls. I waited in line to speak to a person and they stated that it was going to take a long time to close the account because I had to wait in a line for a different team member. I stated to them that thats kind of ridiculous and that I was going to file a complaint due to the fact that it shouldnt be that hard to close the account. They dont have any easier way to do it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am formally disputing the late payment history being reported by XXXX on my credit file. This account has been paid in full and is closed. Despite this, XXXX continues to report late payments that are inaccurate and unverifiable. Under 15 U.S.C. 1666b, payments must be properly credited as of the date received. Additionally, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681e ( b ) ), furnishers of information are required to report only accurate and verifiable information and must ensure maximum possible accuracy. Because this account is paid and closed, any inaccurate late payment reporting is misleading and damaging to my credit profile. I am requesting the following : A complete payment history from account inception to closure. Documentation showing how any alleged late payment was calculated. Immediate correction or deletion of all inaccurate late payment entries being reported to all credit reporting agencies. If XXXX can not provide competent documentation validating these late payments, I am requesting immediate deletion of the negative reporting from my credit file. Please complete your investigation within the timeframe required by the FCRA. Failure to correct these inaccuracies will leave me no choice but to escalate this matter through a formal complaint with the Consumer Financial Protection Bureau and other appropriate regulatory authorities. on multiple accounts with account numbers account number : XXXX account number : XXXX account number : XXXX account number : XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had someone fraudulent use my card to play games with XXXX XXXX I contacted my bank Truist in XXXX Georgia and they started an investigation. They are not refunding my fraudulent charges cause they are believing the company saying I have been with them since the XXXX of XXXX. I was at the time moving from XXXX to XXXX. When I asked the bank what supposed proof they had they said they couldn't tell me. I even filed a complaint with the bank manager. They say I have to have proof but when you have never dealt with a company what proof would they need. They were very sketchy about it all. I am praying you can help me to get my money back. I even sent an email to Truist Corporate Office and have yet to hear back from them. The amounts is around XXXX dollars please I need your help with this. This bank already has issues. 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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: TN

Complaint narrative:
XX/XX/XXXX Thank you for reaching out today. This live chat is now closed, and our team will follow up with you via email soon. XX/XX/XXXX No one has reached out to me regarding this ticket. Your request # XXXX has been received and escalated to the appropriate team. We will follow up with you shortly via email to resolve the issue. Thanks, XXXX. Ive passed this to a specialist using the email you provided ( XXXX ) and your note about XXXX CT. Youre all setyou can leave the chat if needed. A specialist will follow up here within 24 hours. XX/XX/XXXX No one has been reviewing my ticket Thanks, XXXXyour case has been escalated. A specialist will follow up here in this chat within 24 hours. Youre free to leave the chat; well notify you when theres an update. If you can, please drop the asset name ( s ) and the exact hold message to help them start faster. XX/XX/XXXX My funds are still on hold and I never got an email. Its been weeks Thanks, XXXX. Ive escalated this chat and linked it to ticket # XXXX so a specialist can review the hold and missing communications. What to expect : - This chat is now with our support team. - You can leave the chat ; well follow up here within 24 hours. If you can, please add : - What the held funds are from ( XXXX deposit/card/bank transfer/trade ) , currency, method, amount, date sent, bank/provider, and any reference used. - A receipt screenshot if its a XXXX deposit. Appreciate your patience. XX/XX/XXXX Escalate. Its been months of no help. No one has reached out to me regarding this ticket. Your request # XXXX has been received and escalated to the appropriate team. We will follow up with you shortly via email to resolve the issue.

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 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made a purchase at Zales with my store credit card. I was promised a promotion of no interest for 12 months. Unbeknownst to me, I was charged 2 % or XXXX for a " PROMOTIONAL PLAN FEE ''. This fee was never discussed with me at no time. I've made many purchases in the past and received many " no interest '' promotions and I was never charged a " PROMOTIONAL PLAN FEE '' ever before. I called customer support twice and was told my the representative that this is a new charge. I asked to speak to a supervisor both times I called, and both times I was disconnected before be allowed to speak to a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The issue is with Synchrony, a company that manages XXXXXXXX XXXX XXXX Credit card. On XX/XX/year> I received a text message asking if the charges that I made were correct and to give a XXXX or XXXX response. I texted XXXX then received a reply saying that the response was not recognized. I called the company XXXX and spoke to a representative. She said that she would correct the issue. About XXXX XXXX later I received a call stating that since I did not respond correctly that my account would be restricted and I could not make purchases. I asked to speak to a manager and was transferred to a man named XXXX. He put me thru a " validation '' process where I had to scan my face and then the back of my driver 's license, which I did. I was told by XXXX that they received the information but could not read the bar cXXXXe on the license and they would send a letter that could take XXXX days to arrive. I asked if there was anything else that could be done and he said " no '. Later that evening I called again and was told by another representative that there was a hold on my account and that often the driver 's license information verification did not work with an XXXX. I looked at the XXXX for this company and found they are not a member and that they had thousands of unresolved complaints. Essentially their validation process is faulty, and the consumer has no recourse. Then I found that there were XXXX charges by the same company on my account, but they could not resolve it because my account was on hold. Congressional hearings or governmental investigation seems 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